CN113435889B

CN113435889B - Transaction processing method and device based on credit

Info

Publication number: CN113435889B
Application number: CN202110780218.3A
Authority: CN
Inventors: 唐皓; 吴超; 余毅
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-07-09
Filing date: 2021-07-09
Publication date: 2023-12-29
Anticipated expiration: 2041-07-09
Also published as: CN117709955A; CN113435889A

Abstract

The embodiment of the specification provides a credit-based transaction processing method and a credit-based transaction processing device, wherein the credit-based transaction processing method comprises the following steps: creating a trade order according to an order placing request submitted by a user, and calling a payment platform to carry out payment processing of the trade order; sending a prepayment request of the transaction order to a credit platform, and acquiring a prepayment order returned by the credit platform; transmitting a verification request to the credit platform upon detecting that a prepaid condition of the prepaid bill is triggered; and if the verification result returned by the credit platform is that the verification is passed, calling the payment platform to carry out the prepaid processing of the prepaid bill.

Description

Transaction processing method and device based on credit

Technical Field

The present document relates to the field of credit-based transaction processing technologies, and in particular, to a credit-based transaction processing method and device.

Background

With the development of internet technology and the popularization of mobile terminals, more and more services start to extend to online scenes, such as online transactions of payment, repayment or transfer, and the like, the online scenes become more frequent and convenient, and with the wider application range and application scene of the online transactions, the diversification of online transactions of all parties participating in the online transactions is higher, and the online transaction platform provides higher test for the providers of the online transaction platform.

Disclosure of Invention

One or more embodiments of the present disclosure provide a credit-based transaction processing method, applied to an order platform, including: creating a trade order according to an order placing request submitted by a user, and calling a payment platform to carry out payment processing of the trade order. And sending a prepayment request of the transaction order to a credit platform, and acquiring a prepayment order returned by the credit platform. Upon detecting that a prepaid condition of the prepaid ticket is triggered, a verification request is sent to the credit platform. And if the verification result returned by the credit platform is that the verification is passed, calling the payment platform to carry out the prepaid processing of the prepaid bill.

One or more embodiments of the present disclosure provide a second credit-based transaction processing method, applied to a credit platform, including: and creating a prepaid order of the trade order according to the prepaid request of the trade order sent by the order platform and returning the prepaid order to the order platform. And checking the prepaid bill based on the checking request of the transaction order sent by the order platform. Updating the state of the prepaid bill and returning a verification result to the order platform.

One or more embodiments of the present disclosure provide a third credit-based transaction processing method applied to a paymate, including: and responding to the payment processing call of the order platform, creating a payment order corresponding to the transaction order and performing payment processing. A prepaid order for the transaction order is acquired in response to a prepaid process call from the order platform. And according to the prepaid amount recorded in the prepaid bill, transferring prepaid funds from the guarantee account to the account of the seller corresponding to the transaction order.

One or more embodiments of the present disclosure provide a credit-based transaction processing apparatus, operable on an order platform, comprising: and the transaction order creation module is configured to create a transaction order according to an order placing request submitted by a user and call a payment platform to carry out payment processing of the transaction order. And the prepayment request sending module is configured to send a prepayment request of the transaction order to the credit platform and acquire a prepayment order returned by the credit platform. And the verification request sending module is configured to send a verification request to the credit platform when detecting that the prepaid condition of the prepaid bill is triggered. And the prepayment processing calling module is configured to call the payment platform to perform prepayment processing of the prepayment list if the verification result returned by the credit platform is verification passing.

One or more embodiments of the present disclosure provide a second credit-based transaction processing device, operable on a credit platform, comprising: and the prepaid list creation module is configured to create a prepaid list of the trade order according to the prepaid request of the trade order sent by the order platform and return the prepaid list to the order platform. And the verification processing module is configured to perform verification processing on the prepaid bill based on the verification request of the transaction order sent by the order platform. And the verification result return module is configured to update the state of the prepaid bill and return a verification result to the order platform.

One or more embodiments of the present disclosure provide a third credit-based transaction processing device, operable on a paymate, comprising: and the payment processing module is configured to respond to the payment processing call of the order platform, create a payment order corresponding to the transaction order and perform payment processing. A prepaid order acquisition module configured to acquire prepaid orders for the transaction orders in response to prepaid process calls by the order platform. And the prepayment processing module is configured to transfer prepayment funds from the guarantee account to the account of the seller corresponding to the transaction order according to the prepayment amount recorded in the prepayment list.

One or more embodiments of the present specification provide a credit-based transaction processing device, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: creating a trade order according to an order placing request submitted by a user, and calling a payment platform to carry out payment processing of the trade order. And sending a prepayment request of the transaction order to a credit platform, and acquiring a prepayment order returned by the credit platform. Upon detecting that a prepaid condition of the prepaid ticket is triggered, a verification request is sent to the credit platform. And if the verification result returned by the credit platform is that the verification is passed, calling the payment platform to carry out the prepaid processing of the prepaid bill.

One or more embodiments of the present specification provide a second credit-based transaction processing device, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and creating a prepaid order of the trade order according to the prepaid request of the trade order sent by the order platform and returning the prepaid order to the order platform. And checking the prepaid bill based on the checking request of the transaction order sent by the order platform. Updating the state of the prepaid bill and returning a verification result to the order platform.

One or more embodiments of the present specification provide a third credit-based transaction processing device, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and responding to the payment processing call of the order platform, creating a payment order corresponding to the transaction order and performing payment processing. A prepaid order for the transaction order is acquired in response to a prepaid process call from the order platform. And according to the prepaid amount recorded in the prepaid bill, transferring prepaid funds from the guarantee account to the account of the seller corresponding to the transaction order.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: creating a trade order according to an order placing request submitted by a user, and calling a payment platform to carry out payment processing of the trade order. And sending a prepayment request of the transaction order to a credit platform, and acquiring a prepayment order returned by the credit platform. Upon detecting that a prepaid condition of the prepaid ticket is triggered, a verification request is sent to the credit platform. And if the verification result returned by the credit platform is that the verification is passed, calling the payment platform to carry out the prepaid processing of the prepaid bill.

One or more embodiments of the present specification provide a second storage medium for storing computer-executable instructions that, when executed, implement the following: and creating a prepaid order of the trade order according to the prepaid request of the trade order sent by the order platform and returning the prepaid order to the order platform. And checking the prepaid bill based on the checking request of the transaction order sent by the order platform. Updating the state of the prepaid bill and returning a verification result to the order platform.

One or more embodiments of the present specification provide a third storage medium storing computer-executable instructions that, when executed, implement the following: and responding to the payment processing call of the order platform, creating a payment order corresponding to the transaction order and performing payment processing. A prepaid order for the transaction order is acquired in response to a prepaid process call from the order platform. And according to the prepaid amount recorded in the prepaid bill, transferring prepaid funds from the guarantee account to the account of the seller corresponding to the transaction order.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are needed in the description of the embodiments or of the prior art will be briefly described below, it being obvious that the drawings in the description that follow are only some of the embodiments described in the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art;

FIG. 1 is a process flow diagram of a credit-based transaction processing method provided in one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a credit-based transaction processing method for use in a transaction scenario provided by one or more embodiments of the present disclosure;

FIG. 3 is a process flow diagram of a second credit-based transaction processing method provided in one or more embodiments of the present disclosure;

FIG. 4 is a process flow diagram of a third credit-based transaction processing method provided in one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of a credit-based transaction processing device provided in one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of a second credit-based transaction processing arrangement provided in one or more embodiments of the present disclosure;

FIG. 7 is a schematic diagram of a third credit-based transaction processing arrangement provided in one or more embodiments of the present disclosure;

FIG. 8 is a schematic diagram of a credit-based transaction processing device provided in one or more embodiments of the present disclosure;

FIG. 9 is a schematic diagram of a second credit-based transaction processing device provided in one or more embodiments of the present disclosure;

fig. 10 is a schematic structural diagram of a third credit-based transaction processing device provided in one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

The present specification provides an embodiment of a credit-based transaction processing method:

referring to fig. 1, a processing flow chart of a credit-based transaction processing method provided in this embodiment is shown, and referring to fig. 2, a processing flow chart of a credit-based transaction processing method applied to a transaction scenario provided in this embodiment is shown.

The credit-based transaction processing method provided in this embodiment is matched with the two credit-based transaction processing methods provided in the two method embodiments provided below in the execution process, so that reference is made to the corresponding contents of the two method embodiments provided below in this embodiment.

Referring to fig. 1, the credit-based transaction processing method provided in the present embodiment is applied to an order platform, and specifically includes steps S102 to S108.

Step S102, creating a trade order according to an order placing request submitted by a user, and calling a payment platform to carry out payment processing of the trade order.

In the credit-based transaction processing method provided by the embodiment, in a guarantee transaction system, on the basis of signing a prepayment agreement by a seller, an order platform, a credit platform and a payment platform, in the process of carrying out payment processing on a transaction order of a user and the seller, a prepayment list of the transaction order is created, and under the condition that the prepayment condition of the prepayment list is detected to be triggered, the prepayment list of the transaction order is checked, and finally, the prepayment processing operation of the prepayment list is finished under the condition that the check is passed, in particular, the order funds paid by the user in the guarantee account are transferred to the seller, so that the seller can obtain the order funds in the guarantee transaction system in advance without waiting until the user confirms the receipt in the guarantee transaction system, thereby reducing the fund pressure of the seller.

In a vouching transaction system, order funds paid by a user for a transaction order are deposited into a vouching account, and after the user confirms receipt or confirms that the transaction is completed, the deposited order funds in the vouching account can be transferred to a corresponding seller. The prepayment process refers to a process of transferring funds stored in a guarantee account to a seller in advance before a user confirms receipt or confirms that a transaction is completed.

When the method is implemented, after receiving an order placing request submitted by a user, the order platform creates a trade order according to the order placing request submitted by the user, and invokes the payment platform to carry out payment processing of the trade order. Specifically, in the process of carrying out payment processing of the trade order, the payment platform firstly responds to the call of the order platform to create a payment order corresponding to the trade order, then pays for the created payment order, returns a payment result to the order platform after the payment is completed, and the order platform updates the state of the trade order into a paid state according to the payment result.

It should be noted that, in this embodiment, the prepayment processing process in the guarantee transaction system is guaranteed to be implemented through an agreement, and the corresponding agreement is signed by the seller and the order platform, the credit platform and the payment platform, so as to promote the experience of the seller in the agreement signing process, in an optional implementation manner provided in this embodiment, the order platform is used as a medium to perform the agreement signing process, and the seller does not need to perform multiple agreement signing with the order platform, the credit platform and the payment platform respectively, so as to promote the convenience of the seller in the agreement signing process, and the implementation of the agreement signing process is as follows:

According to the agreement signing instruction submitted by the seller, invoking the credit platform and the payment platform to sign the prepayment agreement of the seller;

wherein the prepaid agreement includes at least one of: a service authorization agreement signed by a seller with a credit platform, a service agreement signed by a seller with an order platform, a receipts/payments agreement signed by a seller with a payment platform, and a substitute deduction agreement signed by a seller with an order platform, a credit platform and a payment platform.

Based on the signed deduction agreement, when the seller does not perform the unfulfilled event of paying the funds to the credit platform, the credit platform can deduct money from the account of the seller for paying the funds, so that the loss of the credit platform is reduced, and the funds safety in the prepayment process is ensured.

Further, on the basis that the seller signs a prepaid agreement with the order platform, the credit platform and the payment platform, after creating a trade order according to the order placing request submitted by the user and calling the payment platform to perform payment processing of the trade order, the order platform performs detection processing on the seller corresponding to the trade order, so that the seller not signed by the agreement is prevented from being submitted to the credit platform, thereby improving the effectiveness and processing efficiency of prepaid processing in a guarantee transaction system, and performing detection processing on the seller corresponding to the trade order, and the method specifically comprises the following steps: judging whether the seller corresponding to the transaction order signs a prepayment agreement or not;

If yes, indicating that the seller corresponding to the transaction order processed currently has signed a prepayment agreement, allowing the prepayment processing to be performed on the transaction order processed currently, executing the following step S104, sending a prepayment request of the transaction order to a credit platform, and obtaining a prepayment order returned by the credit platform;

if not, the seller corresponding to the transaction order processed currently is not signed with the prepayment agreement, the prepayment processing of the transaction order processed currently is not allowed, and the processing is not performed.

In addition to the above detection processing of the seller corresponding to the transaction order through the order platform, avoiding that the transaction order of the seller not signed by the agreement is submitted to the credit platform, in order to further improve the effectiveness and processing efficiency of the security and prepayment processing in the security transaction system, and in order to ensure the fund security in the prepayment processing process, in an optional implementation manner provided in this embodiment, an evaluation request of the transaction order is sent to the credit platform, an evaluation result returned by the receiving platform is received, and the evaluation result returned by the credit platform is used as a basis for enabling the prepayment processing;

specifically, if the evaluation result returned by the credit platform is that the evaluation is passed, which indicates that the prepaid processing is allowed for the currently processed transaction order, the following step S104 is executed to send a prepaid request of the transaction order to the credit platform, and obtain a prepaid order returned by the credit platform; if the evaluation result returned by the credit platform is that the evaluation fails, the credit platform indicates that the prepayment processing is not allowed to be performed on the transaction order which is currently processed, and the processing is not performed.

After receiving the evaluation request of the trade order sent by the order platform, the credit platform performs evaluation processing on the trade order, and specifically includes: judging whether the seller corresponding to the transaction order signs a prepayment agreement or not; if signed, checking whether the credit information of the seller corresponding to the transaction order meets a preset credit condition; for example, checking whether a default record exists in the credit records of the merchant of the transaction order, or checking whether the credit state of the merchant is a normal performance state; if yes, returning an evaluation result passing the evaluation to the order platform; if the evaluation result is not met, returning an evaluation result which is not passed to the order platform; if the order is not signed, returning an evaluation result that the evaluation fails to pass to the order platform.

Step S104, a prepayment request of the transaction order is sent to a credit platform, and a prepayment list returned by the credit platform is obtained.

In particular, the credit platform is requested to perform the prepayment processing of the trade order by sending a prepayment request of the trade order to the credit platform, and after receiving the prepayment request, the credit platform creates a prepayment order of the trade order and returns the prepayment order to the order platform. The prepaid bill refers to a recorded bill of a prepaid process for carrying out the transaction order.

It should be noted that, the foregoing prepaid request for sending the trade order to the credit platform is performed after the payment platform is called to perform the payment processing of the trade order, and in addition, the prepaid request for sending the trade order to the credit platform may also be sent before or during the payment processing of the trade order is called to the payment platform.

For example, firstly, creating a trade order according to an order placing request submitted by a user, sending a prepayment request of the trade order to a credit platform, acquiring a prepayment order returned by the credit platform, and then calling a payment platform to carry out payment processing of the trade order; or firstly creating a trade order according to an order placing request submitted by a user, sending a prepayment request of the trade order to a credit platform, secondly calling a payment platform to carry out payment processing of the trade order, and then acquiring a prepayment order returned by the credit platform; or creating a trade order according to the order placing request submitted by the user, sending a prepayment request of the trade order to a credit platform, calling a payment platform to carry out payment processing of the trade order, and acquiring the prepayment order returned by the credit platform.

Optionally, in the prepaid ticket in this embodiment, a prepaid interval is recorded, where the prepaid interval refers to a time interval during which the prepaid process is performed, for example, a recorded prepaid interval in the prepaid ticket is 12-24 hours, which indicates that the prepaid process is performed during a time interval of 12-24 hours during which the transaction order completes the payment process; for example, a recorded prepaid interval of 3 days in a prepaid bill indicates that prepaid processing is initiated after the transaction order has completed payment processing for 3 days.

In an alternative implementation manner, the prepaid interval is determined according to the commodity attribute of the trade commodity, for example, the corresponding prepaid interval is determined according to the commodity type or trade order classification;

alternatively, the prepaid interval is determined according to the credit information of the seller or the credit rating determined by the credit information, for example, the higher the credit rating of the seller, the smaller the determined prepaid interval is, that is: the shorter the time interval between the determined prepaid interval and the payment time of the transaction order, whereas, for example, the lower the credit rating of the seller, the larger the determined prepaid interval, namely: the longer the time interval between the determined prepaid interval and the payment time of the transaction order;

or, according to the determination of the return fee grading recorded in the prepaid agreement signed by the seller, particularly, providing a plurality of return fee (the commission returned by the seller to the order platform or the credit platform or other fees) grading to the seller when the agreement is signed, wherein each grading corresponds to a corresponding prepaid interval respectively, if the demand of the seller for funds is urgent, the return fee grading corresponding to the prepaid interval more favorable for funds backflow can be selected when the agreement is signed, such as the return fee grading corresponding to the prepaid interval with the payment time of the transaction order being closer; on the other hand, if the seller's demand for funds is not urgent, a fee-preferred return fee ranking may be selected at the time of signing up for the agreement, such as a return fee ranking with a minimum return fee.

In addition to the 3 ways of determining the prepaid interval recorded in the prepaid ticket provided above, the prepaid interval may be determined in combination with any two or 3 of the 3 ways provided above, for example, the prepaid interval being determined based on the commodity attributes of the transaction commodity and the credit information of the seller, or the prepaid interval being determined based on the commodity attributes of the transaction commodity, the credit information of the seller, and the return fee ranking recorded in the prepaid agreement.

It should be noted that, the prepaid interval may also be adjusted according to the actual scenario, optionally, the prepaid interval is adjusted according to the credit rating and/or performance record of the seller, for example, if the credit platform detects that the seller has an unfunctioned event (such as a fund event that does not pay funds to the credit platform), the prepaid interval is increased, that is: the longer the time interval between the prepaid interval and the payment time of the transaction order is adjusted, the more the credit rating of the user is increased, the prepaid interval is decreased, i.e.: the shorter the time interval between the prepaid interval and the payment time of the transaction order is adjusted.

And step S106, when the prepaid condition of the prepaid bill is detected to be triggered, a check request is sent to the credit platform.

The prepaid conditions of the prepaid ticket in this embodiment refer to conditions for triggering prepaid processing, and optionally include: whether the expected interval recorded in the prepaid ticket expires. Specifically, if the expected interval recorded in the prepaid ticket expires, a prepaid condition of the prepaid ticket is triggered.

In a specific implementation, after the verification request is sent to the credit platform, the credit platform performs verification processing on the prepaid bill, and in an alternative implementation provided in this embodiment, the following method is specifically adopted to perform verification processing on the prepaid bill:

judging whether the seller corresponding to the transaction order signs a prepayment agreement or not;

if signed, checking whether the time information carried in the check request meets the triggering condition of the prepayment interval recorded in the prepayment order and/or whether the credit information of the seller corresponding to the transaction order meets the preset credit condition; the time information comprises at least one of the following: transaction time, a duration from the transaction time to the current time;

if yes, determining that the verification result is a verification result passing the verification;

if the result is not satisfied, determining that the verification result is that the verification is not passed;

If not, returning the reminding information of the transaction order to the order platform

And step S108, if the verification result returned by the credit platform is verification passing, calling the payment platform to carry out the prepaid processing of the prepaid bill.

After the verification request of the prepaid list of the transaction order is sent to the credit platform, the credit platform performs verification processing on the prepaid list and returns a verification result, and if the verification result returned by the credit platform is verification passing, the payment platform is called to perform prepaid processing on the prepaid list; if the verification result returned by the credit platform is that the verification is not passed, the credit platform does not process the credit platform.

Specifically, in the process of calling the payment platform to carry out the prepayment processing of the prepayment order, after the order platform initiates the prepayment processing call to the payment platform, the payment platform acquires the prepayment order of the transaction order, so as to respond to the prepayment processing call of the order platform; and transferring prepaid funds from the vouching account to the account of the seller corresponding to the transaction order according to the prepaid amount recorded in the prepaid bill.

In the implementation, for a trade order of a trade between a user and a seller, after the trade order is paid, the user confirms receipt after receiving a trade commodity, and in an optional implementation provided in this embodiment, a confirmation receipt instruction submitted by the user for the trade order is received and forwarded to a credit platform; after receiving the confirmation receiving instruction of the trade order forwarded by the order platform, the credit platform judges whether the prepaid order of the trade order is executed or not; if yes, updating the state of the prepaid bill, and returning a confirmation receipt response of the prepaid processing to the order platform; if not, returning a confirmation receiving response which is not subjected to prepayment processing to the order platform;

Correspondingly, if the confirmation receipt response returned by the credit platform is that the prepaid processing is completed, updating the state of the prepaid bill based on the processing result;

and if the confirmation receiving response returned by the credit platform is that the prepayment processing is not performed, calling a payment platform to perform the money transfer processing of the transaction order. And in the process of money transfer processing, the payment platform transfers the order money from the guarantee account to the account of the seller corresponding to the transaction order based on the call of the order platform.

In practical application, after a user makes a transaction order with a seller, the user can apply for a refund before receiving a transaction commodity or after receiving the transaction commodity, and in a guarantee transaction system, the user needs to perform corresponding refund processing after applying for the refund, for this, in an optional implementation manner provided in this embodiment, the refund processing is performed in the following manner:

performing refund auditing processing of the transaction order according to the refund application submitted by the user;

if the refund auditing process is passed, a reminding message that the refund auditing is not passed is sent to the user;

if the refund auditing process is passed, judging whether the prepaid list of the transaction order is subjected to prepaid process;

If yes, sending a refund decision request of the transaction order to the credit platform; receiving a refund strategy of the credit platform, which returns the transaction order, and calling the payment platform to refund based on the refund strategy;

and if not, calling a payment platform to carry out refund processing according to a reverse link corresponding to the payment link of the order funds. Specifically, in response to the call of the order platform, the payment platform carries out refund processing according to a reverse link corresponding to a payment link of order funds of the trade order in the refund processing process, and specifically includes transferring the order funds of the trade order from the guarantee account to the account of the user.

Optionally, the refund policy includes at least one of:

if the residual funds in the account of the seller are greater than or equal to the order funds corresponding to the transaction order, deducting money from the account of the seller to carry out refund processing;

and if the residual funds in the account of the seller are smaller than the order funds corresponding to the transaction order, carrying out fund refund by the credit platform.

The following describes the refund process under the two refund strategies provided above, respectively:

if the refund policy returned by the credit platform is the first refund policy, namely: if the residual funds in the account of the seller are greater than or equal to the order funds corresponding to the transaction order, deducting money from the account of the seller to carry out refund processing; based on the above, in the process of calling a payment platform to refund, when the residual funds in the account of the seller corresponding to the trade order are greater than or equal to the order funds corresponding to the trade order, the order platform carries out refund processing according to the reverse link corresponding to the prepayment link of the order funds of the trade order, and specifically comprises the steps of transferring the order funds of the trade order from the account of the seller to a guarantee account and transferring the order funds from the guarantee account to the account of the user.

If the refund policy returned by the credit platform is the second refund policy, namely: if the residual funds in the account of the seller are smaller than the order funds corresponding to the transaction order, carrying out fund refund by the credit platform; based on the above, in the process of calling the payment platform to refund, the order platform transfers the paid funds provided by the credit platform to the guarantee account and transfers the paid funds from the guarantee account to the account of the user under the condition that the residual funds in the account of the seller are smaller than the order funds corresponding to the transaction order.

Optionally, in the case that the refund policy is the second refund policy, a bill to be refund of the seller is created, credit rewards or credit punishments are performed on the seller based on the performance condition of the bill to be refund, specifically, the credit punishments are performed when the seller fails to fulfill the bill to be refund according to the term, for example, the seller is added to a credit ash list, the credit rating of the seller is reduced, or the prepaid interval of the seller is adjusted, and the prepaid interval is increased, namely: the longer the time interval between the prepayment interval and the payment time of the trade order is adjusted;

And, in the event that the seller performs the bill to be returned according to terms, credit rewards, such as decreasing the credit rating of the seller, or adjusting the prepaid interval of the seller, decreasing the prepaid interval, namely: the shorter the time interval between the prepaid interval and the payment time of the transaction order is adjusted.

The following further describes the credit-based transaction processing method provided in this embodiment, referring to fig. 2, and specifically includes steps S202 to S236, and the following description describes the order platform execution steps.

Step S202, creating a trade order according to an order placing request submitted by a user.

Step S204, an evaluation request of the trade order is sent to the credit platform.

Step S210, calling a payment platform to carry out payment processing of the transaction order.

In step S214, if the evaluation result returned by the credit platform is that the evaluation is passed, a prepayment request of the transaction order is sent to the credit platform.

Step S218, obtaining the prepaid bill returned by the credit platform.

Step S220, when it is detected that the prepaid condition of the prepaid bill is triggered, a check request is sent to the credit platform.

Step S226, if the verification result returned by the credit platform is verification passing, triggering the call to the payment platform.

Step S228, receiving a confirmation receiving instruction submitted by a user for the transaction order, and forwarding the confirmation receiving instruction to the credit platform.

The second credit-based transaction processing method embodiment provided in this specification:

referring to fig. 3, a processing flow chart of a credit-based transaction processing method provided in this embodiment is shown, and referring to fig. 2, a processing flow chart of a credit-based transaction processing method applied to a transaction scenario provided in this embodiment is shown.

Referring to fig. 3, the credit-based transaction processing method provided in the present embodiment is applied to a credit platform, and specifically includes steps S302 to S306.

Step S302, according to the prepayment request of the trade order sent by the order platform, a prepayment order of the trade order is created and returned to the order platform.

In particular, after receiving a prepaid request for a trade order sent by an order platform, a prepaid order for the trade order is created and returned to the order platform. The prepaid bill refers to a recorded bill of a prepaid process for carrying out the transaction order.

In order to improve the effectiveness and processing efficiency of the guarantee transaction system and the prepayment process and also to ensure the fund security in the prepayment process, in an optional implementation manner provided in this embodiment, the following manner is adopted to evaluate the transaction order:

receiving an evaluation request of the trade order sent by the order platform;

if signed, checking whether the credit information of the seller corresponding to the transaction order meets a preset credit condition; for example, checking whether a default record exists in the credit records of the merchant of the transaction order, or checking whether the credit state of the merchant is a normal performance state; if yes, returning an evaluation result passing the evaluation to the order platform; if the evaluation result is not satisfied, returning an evaluation result which is not passed by the evaluation to the order platform;

If the order is not signed, returning an evaluation result that the evaluation fails to pass to the order platform.

Step S304, performing verification processing on the prepaid bill based on the verification request of the transaction order sent by the order platform.

In a specific implementation, after receiving a verification request of the transaction order sent by the order platform, the prepaid order is verified, and in an alternative implementation provided in this embodiment, the verification is performed specifically in the following manner:

if signed, checking whether the time information carried in the check request meets the triggering condition of the prepayment interval recorded in the prepayment order and/or whether the credit information of the seller corresponding to the transaction order meets the preset credit condition;

if yes, returning a verification result passing the verification to the order platform;

if the verification result does not meet the verification requirement, returning a verification result which does not pass the verification to the order platform;

if not, the reminding information of the trade order is returned to the order platform.

Step S306, updating the state of the prepaid bill and returning a verification result to the order platform.

After the verification processing of the transaction order is completed, updating the state of the prepaid bill, and returning a verification result to the order platform, specifically, updating the state of the prepaid bill into a prepaid processing state if the verification result is verification passing.

When the method is implemented, for a trade order of a trade between a user and a seller, after the trade order is paid, the user confirms receipt after receiving trade goods, and in an optional implementation provided by the embodiment, a confirmation receipt instruction of the trade order forwarded by the order platform is received; and determining whether a prepaid order for the transaction order has been executed; if yes, updating the state of the prepaid bill, specifically updating the state of the prepaid bill to be a prepaid finished state, and returning a confirmation receipt response of finishing prepaid processing to the order platform; and if not, returning a confirmation receiving response which is not subjected to the prepayment processing to the order platform.

In practical application, after a user makes a transaction order with a seller, the user can apply for a refund before receiving a transaction commodity or after receiving the transaction commodity, and in a guarantee transaction system, corresponding refund processing needs to be performed after the user applies for the refund, specifically, a credit platform responds to an order platform to perform refund decision processing in the refund processing process, and for this, in an alternative implementation provided in this embodiment, the refund decision processing is performed in the following manner:

Receiving a refund decision request of the trade order sent by the order platform;

and determining a refund strategy of the trade order based on the refund decision request, and returning the refund strategy to the order platform.

Optionally, the refund policy includes at least one of:

if the refund policy returned by the credit platform to the order platform is the first refund policy, namely: if the residual funds in the account of the seller are greater than or equal to the order funds corresponding to the transaction order, deducting money from the account of the seller to carry out refund processing; correspondingly, after receiving the refund policy, the order platform invokes the payment platform to refund, and in the process, if the residual funds in the account of the seller corresponding to the trade order are greater than or equal to the order funds corresponding to the trade order, the refund processing is performed according to the reverse link corresponding to the prepaid link of the order funds of the trade order, which specifically includes transferring the order funds of the trade order from the account of the seller to a guarantee account and transferring the order funds from the guarantee account to the account of the user.

If the refund policy returned by the credit platform to the order platform is the second refund policy, namely: if the residual funds in the account of the seller are smaller than the order funds corresponding to the transaction order, carrying out fund refund by the credit platform; correspondingly, after receiving a refund strategy, the order platform calls a payment platform to carry out refund processing, and in the process, under the condition that the residual funds in the account of the seller are smaller than the order funds corresponding to the transaction order, the custody funds provided by the credit platform are transferred to the guarantee account and transferred from the guarantee account to the account of the user.

The following further describes the credit-based transaction processing method provided in this embodiment, referring to fig. 2, and specifically includes steps S202 to S236, and the following description describes the credit platform execution steps.

Step S206, according to the evaluation request of the trade order sent by the order platform, evaluating the trade order.

Step S208, returning an evaluation result of passing the evaluation to the order platform.

Specifically, if it is determined in the evaluation process that the seller corresponding to the transaction order signs a prepaid agreement, and the credit information of the seller meets the preset credit condition, an evaluation result passing the evaluation is returned to the order platform.

Step S216, according to the prepay request of the trade order sent by the order platform, a prepay order of the trade order is created and returned to the order platform.

Step S222, checking the prepaid bill based on the checking request of the trade order sent by the order platform.

Step S224, returning a verification result of passing the verification to the order platform.

Specifically, when the time information carried in the verification request meets the triggering condition of the prepayment interval recorded in the prepayment list, a verification result of verification passing is returned to the order platform.

Step S232, based on the confirmed receipt instruction of the trade order forwarded by the order platform, it is determined whether the prepaid order of the trade order has been executed.

If yes, the following step S234 is performed.

Step S234, a confirmation receipt response is returned to the order platform that the prepaid process has been completed.

A third credit-based transaction processing method embodiment provided in the present specification:

referring to fig. 4, a processing flow chart of a credit-based transaction processing method provided in this embodiment is shown, and referring to fig. 2, a processing flow chart of a credit-based transaction processing method applied to a transaction scenario provided in this embodiment is shown.

The credit-based transaction processing method provided in this embodiment is matched with the two credit-based transaction processing methods provided in the two method embodiments in the execution process, so that reference is made to the corresponding contents of the two method embodiments provided in this embodiment, and this embodiment is not repeated here.

Referring to fig. 4, the credit-based transaction processing method provided in the present embodiment is applied to a payment platform, and specifically includes steps S402 to S406.

Step S402, in response to the payment processing call of the order platform, a payment order corresponding to the transaction order is created and payment processing is carried out.

Step S404, obtaining a prepaid order for the transaction order in response to a prepaid process call from the order platform.

Receiving an evaluation request of the trade order sent by the order platform;

And step S406, the prepaid funds are transferred from the guarantee account to the account of the seller corresponding to the transaction order according to the prepaid amount recorded in the prepaid bill.

In practical application, after a user makes a transaction order with a seller, the user can apply for a refund before receiving a transaction commodity or after receiving the transaction commodity, and in a guarantee transaction system, corresponding refund processing is required after the user applies for a refund, in this process, a payment platform responds to the call of an order platform to perform refund processing, and in an optional implementation provided in this embodiment, the refund processing is performed in the following manner:

Responding to the call of the order platform, and transferring the order funds of the trade order from the account of the seller to a guarantee account and transferring the guarantee account to the account of the user under the condition that the residual funds in the account of the seller corresponding to the trade order are greater than or equal to the order funds corresponding to the trade order;

or,

responding to the call of the order platform, and transferring the paid funds provided by the credit platform to the guarantee account and transferring the paid funds from the guarantee account to the account of the user under the condition that the residual funds in the account of the seller are smaller than the order funds corresponding to the transaction order;

or,

in response to a call by the order platform, order funds for the trade order are transferred from the vouching account to the user's account.

The following further describes the credit-based transaction processing method provided in this embodiment, referring to fig. 2, and specifically includes steps S202 to S236, and the following describes the execution steps of the payment platform.

Step S212, in response to the payment processing call of the order platform, a payment order corresponding to the transaction order is created and payment processing is carried out.

Step S228, a prepaid order for the transaction order is acquired in response to the prepaid process call of the order platform.

In step S230, prepaid funds are transferred from the vouching account to the account of the seller corresponding to the transaction order in accordance with the prepaid amount recorded in the prepaid bill.

An embodiment of a credit-based transaction processing device provided in the present specification is as follows:

in the foregoing embodiments, a credit-based transaction processing method applied to an order platform is provided, and a credit-based transaction processing device running on the order platform is provided correspondingly, which are described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of a credit-based transaction processing device according to the present embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The embodiment provides a transaction processing device based on credit, which is operated on an order platform and comprises:

A trade order creation module 502 configured to create a trade order according to an order placing request submitted by a user, and call a payment platform to perform payment processing of the trade order;

a prepaid request delivery module 504 configured to deliver a prepaid request for the transaction order to a credit platform and obtain a prepaid order returned by the credit platform;

a check request transmitting module 506 configured to transmit a check request to the credit platform when it is detected that a prepaid condition of the prepaid bill is triggered;

and a prepaid processing calling module 508 configured to call the payment platform to perform prepaid processing of the prepaid bill if the verification result returned by the credit platform is verification passed.

The second credit-based transaction processing device embodiment provided in this specification is as follows:

in the foregoing embodiments, a credit-based transaction processing method applied to a credit platform is provided, and a credit-based transaction processing device operating on the credit platform is provided correspondingly, which is described below with reference to the accompanying drawings.

Referring to fig. 6, a schematic diagram of a credit-based transaction processing device according to the present embodiment is shown.

The embodiment provides a transaction processing device based on credit, which is operated on a credit platform and comprises:

a prepaid order creation module 602 configured to create a prepaid order for a trade order based on a prepaid request for the trade order sent by an order platform and return to the order platform;

a verification processing module 604 configured to perform verification processing on the prepaid bill based on a verification request of the transaction order sent by the order platform;

a verification result return module 606 configured to update the status of the prepaid bill and return a verification result to the order platform.

The third credit-based transaction processing device embodiment provided in this specification is as follows:

in the foregoing embodiments, a credit-based transaction processing method applied to a paymate is provided, and a credit-based transaction processing device operating on the paymate is provided correspondingly, which is described below with reference to the accompanying drawings.

Referring to fig. 7, a schematic diagram of a credit-based transaction processing device according to the present embodiment is shown.

The embodiment provides a transaction processing device based on credit, which is operated on a payment platform and comprises:

the payment processing module 702 is configured to respond to the payment processing call of the order platform, create a payment order corresponding to the transaction order and perform payment processing;

a prepaid order acquisition module 704 configured to acquire prepaid orders for the transaction orders in response to prepaid process calls by the order platform;

the prepaid processing module 706 is configured to transfer prepaid funds from the vouching account to the account of the seller corresponding to the transaction order in accordance with the prepaid amount recorded in the prepaid ticket.

corresponding to a credit-based transaction processing method applied to an order platform as described above, one or more embodiments of the present disclosure further provide a credit-based transaction processing device, based on the same technical concept, for performing the credit-based transaction processing method provided above, and fig. 8 is a schematic structural diagram of a credit-based transaction processing device provided by one or more embodiments of the present disclosure.

The credit-based transaction processing device provided in this embodiment includes:

as shown in fig. 8, credit-based transaction processing devices may vary considerably in configuration or performance, may include one or more processors 801 and memory 802, and may have one or more stored applications or data stored in memory 802. Wherein the memory 802 may be transient storage or persistent storage. The application program stored in memory 802 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in a credit-based transaction processing device. Still further, the processor 801 may be configured to communicate with the memory 802 to execute a series of computer executable instructions in the memory 802 on a credit-based transaction processing device. The credit-based transaction processing device may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input/output interfaces 805, one or more keyboards 806, and the like.

In one particular embodiment, a credit-based transaction processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the credit-based transaction processing device, and configured to be executed by one or more processors, the one or more programs including computer-executable instructions for:

Creating a trade order according to an order placing request submitted by a user, and calling a payment platform to carry out payment processing of the trade order;

sending a prepayment request of the transaction order to a credit platform, and acquiring a prepayment order returned by the credit platform;

transmitting a verification request to the credit platform upon detecting that a prepaid condition of the prepaid bill is triggered;

and if the verification result returned by the credit platform is that the verification is passed, calling the payment platform to carry out the prepaid processing of the prepaid bill.

corresponding to a credit-based transaction processing method applied to a credit platform as described above, one or more embodiments of the present disclosure further provide a credit-based transaction processing device, based on the same technical concept, for performing the credit-based transaction processing method provided above, and fig. 9 is a schematic structural diagram of a credit-based transaction processing device provided by one or more embodiments of the present disclosure.

as shown in fig. 9, the credit-based transaction processing device may be configured or configured differently to provide a relatively large variance, and may include one or more processors 901 and memory 902, where the memory 902 may store one or more storage applications or data. Wherein the memory 902 may be transient storage or persistent storage. The application programs stored in the memory 902 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in a credit-based transaction processing device. Still further, the processor 901 may be arranged to communicate with the memory 902 to execute a series of computer executable instructions in the memory 902 on a credit-based transaction processing device. The credit-based transaction processing device may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input/output interfaces 905, one or more keyboards 906, and the like.

according to the prepayment request of the trade order sent by the order platform, creating a prepayment order of the trade order and returning the prepayment order to the order platform;

based on the verification request of the transaction order sent by the order platform, verifying the prepaid order;

updating the state of the prepaid bill and returning a verification result to the order platform.

corresponding to a credit-based transaction processing method applied to a paymate as described above, one or more embodiments of the present disclosure further provide a credit-based transaction processing device for performing the credit-based transaction processing method provided above, based on the same technical concept, and fig. 10 is a schematic structural diagram of a credit-based transaction processing device provided in one or more embodiments of the present disclosure.

as shown in fig. 10, credit-based transaction processing devices may vary considerably in configuration or performance, may include one or more processors 1001 and memory 1002, and may have one or more stored applications or data stored in memory 1002. Wherein the memory 1002 may be transient storage or persistent storage. The application programs stored in memory 1002 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in a credit-based transaction processing device. Still further, the processor 1001 may be configured to communicate with the memory 1002 to execute a series of computer executable instructions in the memory 1002 on a credit-based transaction processing device. The credit-based transaction processing device may also include one or more power supplies 1003, one or more wired or wireless network interfaces 1004, one or more input/output interfaces 1005, one or more keyboards 1006, etc.

Responding to the payment processing call of the order platform, creating a payment order corresponding to the transaction order and performing payment processing;

obtaining a prepaid order for the transaction order in response to a prepaid process call by the order platform;

and according to the prepaid amount recorded in the prepaid bill, transferring prepaid funds from the guarantee account to the account of the seller corresponding to the transaction order.

An embodiment of a storage medium provided in the present specification is as follows:

corresponding to the credit-based transaction processing method applied to the order platform, one or more embodiments of the present specification further provide a storage medium based on the same technical concept.

The storage medium provided in this embodiment is configured to store computer executable instructions, where the computer executable instructions when executed implement the following procedures:

It should be noted that, in the present specification, the embodiment about the storage medium and the embodiment about the credit-based transaction processing method applied to the order platform in the present specification are based on the same inventive concept, so that the specific implementation of the embodiment may refer to the implementation of the corresponding method, and the repetition is omitted.

The second storage medium embodiment provided in the present specification is as follows:

corresponding to the credit-based transaction processing method applied to the credit platform, one or more embodiments of the present disclosure further provide a storage medium based on the same technical concept.

It should be noted that, in the present specification, the embodiment about the storage medium and the embodiment about the credit-based transaction processing method applied to the credit platform in the present specification are based on the same inventive concept, so that the specific implementation of this embodiment may refer to the implementation of the foregoing corresponding method, and the repetition is omitted.

A third storage medium embodiment provided in the present specification is as follows:

corresponding to the credit-based transaction processing method applied to the paymate, one or more embodiments of the present disclosure further provide a storage medium based on the same technical concept.

It should be noted that, in the present specification, the embodiment about the storage medium and the embodiment about the credit-based transaction processing method applied to the paymate in the present specification are based on the same inventive concept, so that the specific implementation of this embodiment may refer to the implementation of the foregoing corresponding method, and the repetition is omitted.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can 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 are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

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

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable credit-based transaction processing device to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable credit-based transaction processing device, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable credit-based transaction processing device to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable credit-based transaction processing device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer implemented process such that the instructions which execute on the computer or other programmable device provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A credit-based transaction processing method, applied to an order platform, comprising:

If the verification result returned by the credit platform is that the verification is passed, calling the payment platform to carry out the prepaid processing of the prepaid bill;

wherein the verification passing includes: the time information carried in the check request meets the time interval recorded in the prepaid list for executing the prepaid processing; the time interval is determined according to commodity attributes of the commodity and/or credit information of the seller;

the method further comprises the steps of: after the payment platform is called to carry out payment processing of the transaction order, corresponding refund processing is carried out according to a refund application submitted by the user; wherein the refund process comprises: receiving a refund strategy of the transaction order returned by the credit platform, and calling the payment platform to carry out refund processing based on the refund strategy;

wherein the refund policy comprises: if the residual funds in the account of the seller are smaller than the order funds corresponding to the transaction order, carrying out fund refund by the credit platform; creating a bill to be returned of the seller, and giving up credit rewards or credit punishments to the seller based on the performance condition of the bill to be returned.

2. The credit-based transaction processing method of claim 1, further comprising:

3. The credit-based transaction processing method of claim 2, wherein after the creating a transaction order according to an order placing request submitted by a user and invoking a payment platform to perform a payment processing step of the transaction order, and before the sending a prepayment request of the transaction order to a credit platform and acquiring a prepayment single step returned by the credit platform, further comprising:

if yes, executing the prepayment request for sending the transaction order to the credit platform, and acquiring the prepayment order returned by the credit platform.

4. A credit-based transaction processing method according to claim 1, the credit platform verifying the prepaid bill by:

if yes, checking whether the time information carried in the checking request meets the triggering condition of the prepayment interval recorded in the prepayment order and/or whether the credit information of the seller corresponding to the transaction order meets the preset credit condition;

if the result is not satisfied, determining that the verification result is that the verification fails.

5. The credit-based transaction processing method of claim 1, wherein after the step of creating a transaction order according to an order placing request submitted by a user and invoking a paymate to perform a payment processing of the transaction order, further comprising:

if yes, sending a refund decision request of the transaction order to the credit platform;

receiving a refund strategy of the credit platform, which returns the transaction order, and calling the payment platform to refund based on the refund strategy;

And if not, calling the payment platform to carry out refund processing according to a reverse link corresponding to the payment link of the order funds.

6. The credit-based transaction processing method of claim 5, the refund policy comprising:

and if the residual funds in the account of the seller are greater than or equal to the order funds corresponding to the transaction order, deducting money from the account of the seller to carry out refund processing.

7. The credit-based transaction processing method of claim 1, wherein if the verification result returned by the credit platform is that verification is passed, the step of calling the payment platform to perform the prepaid processing of the prepaid bill further comprises:

receiving a confirmation receiving instruction submitted by the user for the transaction order, and forwarding the confirmation receiving instruction to the credit platform;

if the confirmation receipt response returned by the credit platform is that the prepaid processing is completed, updating the state of the prepaid bill based on the processing result;

and if the confirmation receiving response returned by the credit platform is that the prepayment processing is not performed, calling the payment platform to perform the money transfer processing of the transaction order.

8. The credit-based transaction processing method of claim 1, said sending a prepaid request for said transaction order to a credit platform and prior to obtaining prepaid single step execution returned by said credit platform, further comprising:

Sending an evaluation request of the trade order to the credit platform;

receiving an evaluation result returned by the credit platform; and the step of sending the prepaid request of the transaction order to the credit platform and acquiring the prepaid order returned by the credit platform is executed when the evaluation result is that the evaluation is passed.

9. A transaction processing method based on credit is applied to a credit platform and comprises the following steps:

updating the state of the prepaid bill and returning a verification result to the order platform;

wherein the verifying the prepaid bill includes: if the time information carried in the verification request meets the time interval recorded in the prepaid list for executing prepaid processing, determining that the verification result is verification passing; the time interval is determined according to commodity attributes of the commodity and/or credit information of the seller;

the method further comprises the steps of: after a prepaid order of the trade order is created and returned to the order platform, determining a refund strategy of the trade order according to a refund decision request of the trade order sent by the order platform, and returning the refund strategy to the order platform;

10. The credit-based transaction processing method of claim 9, the verifying the prepaid bill based on the verification request of the transaction order sent by the order platform, comprising:

and if the verification result is not satisfied, returning a verification result which is not passed by the verification to the order platform.

11. The credit-based transaction processing method of claim 10, wherein after creating the prepaid single-step execution of the transaction order from the prepaid request for the transaction order sent by the order platform, further comprising:

12. A credit-based transaction processing method as in claim 11, the refund policy comprising:

13. The credit-based transaction processing method of claim 9, after the updating the status of the prepaid bill and returning the verification result to the order platform, further comprising:

receiving a confirmation receiving instruction of the transaction order forwarded by the order platform;

judging whether a prepaid order of the transaction order is executed or not;

if yes, updating the state of the prepaid bill, and returning a confirmation receipt response of the prepaid processing to the order platform;

and if not, returning a confirmation receiving response which is not subjected to the prepayment processing to the order platform.

14. The credit-based transaction processing method of claim 9, wherein the creating a prepaid single step execution of the transaction order based on a prepaid request for the transaction order sent by an order platform further comprises:

Receiving an evaluation request of the trade order sent by the order platform;

if yes, checking whether the credit information of the seller corresponding to the transaction order meets a preset credit condition;

if yes, returning an evaluation result passing the evaluation to the order platform;

and if the evaluation result is not satisfied, returning an evaluation result which fails to pass the evaluation to the order platform.

15. A credit-based transaction processing method, applied to a paymate, comprising:

when called by the order platform to perform the prepaid processing of the prepaid bill, the prepaid funds are transferred from the vouching account to the account of the seller corresponding to the transaction order according to the prepaid amount recorded in the prepaid bill;

the order platform calls the payment platform when the check result of the prepaid bill is that the check is passed; the verification passing includes: the time information requested by the order platform meets the time interval recorded in the prepaid bill for executing the prepaid processing; the time interval is determined according to commodity attributes of the commodity and/or credit information of the seller;

The method further comprises the steps of: performing refund processing in response to the call of the order platform, and performing refund by the credit platform when the residual funds in the account of the seller corresponding to the transaction order are smaller than the order funds corresponding to the transaction order, transferring the refund funds provided by the credit platform to the guarantee account and transferring the refund funds from the guarantee account to the account of the user; creating a bill to be returned of the seller, and giving up credit rewards or credit punishments to the seller based on the performance condition of the bill to be returned.

16. The credit-based transaction processing method of claim 15, further comprising:

or,

17. A credit-based transaction processing device, operative on an order platform, comprising:

The transaction order creation module is configured to create a transaction order according to an order placing request submitted by a user and call a payment platform to carry out payment processing of the transaction order;

a prepay request sending module configured to send a prepay request of the transaction order to a credit platform and obtain a prepay order returned by the credit platform;

a check request transmitting module configured to transmit a check request to the credit platform when it is detected that a prepaid condition of the prepaid bill is triggered;

the prepaid processing calling module is configured to call the payment platform to perform prepaid processing of the prepaid bill if the verification result returned by the credit platform is verification passing;

after the payment platform is called to carry out payment processing of the transaction order, corresponding refund processing is carried out according to a refund application submitted by the user; wherein the refund process comprises: receiving a refund strategy of the transaction order returned by the credit platform, and calling the payment platform to carry out refund processing based on the refund strategy;

18. A credit-based transaction processing apparatus, operable on a credit platform, comprising:

a prepaid order creation module configured to create a prepaid order for a trade order based on a prepaid request for the trade order sent by an order platform and return to the order platform;

the verification processing module is configured to carry out verification processing on the prepaid bill based on a verification request of the transaction order sent by the order platform;

the verification result return module is configured to update the state of the prepaid bill and return a verification result to the order platform;

After a prepaid order of the trade order is created and returned to the order platform, determining a refund strategy of the trade order according to a refund decision request of the trade order sent by the order platform, and returning the refund strategy to the order platform;

19. A credit-based transaction processing device, operable on a paymate, comprising:

the payment processing module is configured to respond to the payment processing call of the order platform, create a payment order corresponding to the transaction order and perform payment processing;

a prepaid order acquisition module configured to acquire prepaid orders for the transaction orders in response to prepaid process calls by the order platform;

a prepaid processing module configured to transfer prepaid funds from a vouching account to an account of a seller corresponding to the transaction order in accordance with prepaid amounts recorded in the prepaid ticket when invoked by the order platform to perform prepaid processing of the prepaid ticket;

performing refund processing in response to the call of the order platform, and performing refund by the credit platform when the residual funds in the account of the seller corresponding to the transaction order are smaller than the order funds corresponding to the transaction order, transferring the refund funds provided by the credit platform to the guarantee account and transferring the refund funds from the guarantee account to the account of the user; creating a bill to be returned of the seller, and giving up credit rewards or credit punishments to the seller based on the performance condition of the bill to be returned.

20. A credit-based transaction processing device, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

21. A credit-based transaction processing device, comprising:

22. A credit-based transaction processing device, comprising:

the order platform calls a payment platform when the check result of the prepaid bill is that the check is passed; the verification passing includes: the time information requested by the order platform meets the time interval recorded in the prepaid bill for executing the prepaid processing; the time interval is determined according to commodity attributes of the commodity and/or credit information of the seller;

23. A storage medium storing computer-executable instructions that when executed implement the following:

24. A storage medium storing computer-executable instructions that when executed implement the following:

25. A storage medium storing computer-executable instructions that when executed implement the following: