CN113627924A - Transaction method, platform, system and storage medium based on account hanging protocol - Google Patents
Transaction method, platform, system and storage medium based on account hanging protocol Download PDFInfo
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- CN113627924A CN113627924A CN202110893369.XA CN202110893369A CN113627924A CN 113627924 A CN113627924 A CN 113627924A CN 202110893369 A CN202110893369 A CN 202110893369A CN 113627924 A CN113627924 A CN 113627924A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Abstract
The invention discloses a transaction method, a platform, a system and a storage medium based on a hanging account protocol, wherein the method comprises the following steps: acquiring a commodity account-hanging purchase request of a user, wherein the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price; judging whether the user signs an account-hanging protocol and whether the acquisition time of the commodity account-hanging purchase request is within the effective date of the account-hanging protocol or not according to the user ID, wherein the account-hanging protocol comprises the effective date and a settlement limit amount; and when the user signs the account-hanging agreement and the acquisition time of the commodity account-hanging purchase request is within the effective date of the account-hanging agreement, realizing account-hanging settlement according to the price of each commodity in the at least one commodity attribute information, the settlement limit and the account-hanging amount within the effective date. The transaction is realized through account hanging, the auditing requirement is low, and the order can be rapidly formed.
Description
Technical Field
The invention belongs to the technical field of transaction methods, and particularly relates to a transaction method, a transaction platform, a transaction system and a transaction storage medium based on a hanging account protocol.
Background
Electronic commerce is a modern business mode in the process of high-speed development, is rapidly developed from 95 years, and shows great modern business value. People can do online transactions at any time and any place without the time limitation, the space limitation and the multiple limitations of traditional shopping. Electronic commerce has made this world very small, and one merchant may face consumers worldwide, while one consumer may shop at any merchant worldwide.
The existing e-commerce platform is built by a merchant or a third party, a plurality of merchants are registered on the platform, the transaction payment modes between the merchants and users are all online payment, or the platform provides some white-stripe services, and the service mode needs to obtain the third party financial qualification requirements and check credit investigation of platform users. The transaction mode has the defects of high auditing requirement and complicated transaction process.
Disclosure of Invention
In order to solve the problem that the existing transaction mode has high auditing requirement, the invention provides a transaction method, a transaction platform, a transaction system and a storage medium based on a hanging account protocol, which realize transaction through hanging account, have low auditing requirement and can quickly form a bill.
The invention is realized by the following technical scheme:
the invention provides a transaction method based on a hanging account protocol in a first aspect, which comprises the following steps:
acquiring a commodity account-hanging purchase request of a user, wherein the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price;
judging whether the user signs an account-hanging protocol and whether the acquisition time of the commodity account-hanging purchase request is within the effective date of the account-hanging protocol or not according to the user ID, wherein the account-hanging protocol comprises the effective date and a settlement limit amount;
and when the user signs the account-hanging agreement and the acquisition time of the commodity account-hanging purchase request is within the effective date of the account-hanging agreement, realizing account-hanging settlement according to the price of each commodity in the at least one commodity attribute information, the settlement limit and the account-hanging amount within the effective date.
In one possible design, the determining whether the user has signed a posting agreement and the acquisition time of the goods posting purchase request is within an effective date of the posting agreement according to the user ID includes:
judging whether the user ID signs the account hanging protocol or not, and if so, verifying whether the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not; if the account hanging protocol is not signed, judging whether the user ID is verified in real name or not;
after the user ID real name is verified, receiving a posting application of the user, wherein the posting application comprises a posting contract;
acquiring the effective date and the settlement limit amount of the account hanging contract, generating a merchant signing contract version and sending the merchant signing contract version to the user terminal;
and acquiring the contract version signed by the user so as to enable the account-hanging agreement corresponding to the account-hanging contract to be valid within the valid date.
In one possible design, the performing the account-checking according to each commodity price, the settlement limit amount, and the checked-out amount within the effective date in the at least one commodity attribute information includes:
calculating a difference T1 between the settlement limit amount and the account amount posted in the effective date;
calculating a sum T2 of prices of each commodity in the at least one commodity attribute information;
comparing the difference value between T1 and T2, and if the difference value between T1 and T2 is greater than or equal to 0, directly checking out accounts and updating the checked amount in the effective date; if the difference value between the T1 and the T2 is less than 0, calculating the amount T which is T2-T1;
and sending information to be paid to the user terminal, wherein the information to be paid comprises the amount T due.
The invention provides a transaction method based on a hanging account protocol in a second aspect, which comprises the following steps:
acquiring a commodity account-hanging purchase request of a user, wherein the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price and a shop ID corresponding to a commodity;
judging whether both parties sign an account hanging protocol and whether the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not according to the user ID and the shop ID corresponding to the commodity, wherein the account hanging protocol comprises the effective date and a settlement limit amount;
and when the two parties sign the account hanging agreement and the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging agreement, realizing account hanging settlement according to the price of each commodity in the at least one commodity attribute information, the settlement limit amount and the account hanging amount within the effective date.
In one possible design, the determining whether both parties have signed a posting agreement and the acquisition time of the goods posting purchase request is within the effective date of the posting agreement according to the user ID and the shop ID corresponding to the goods includes:
judging whether a posting protocol is signed between the user ID and the shop ID corresponding to the commodity, and if the posting protocol is signed, verifying whether the acquisition time of the commodity posting purchase request is within the effective date of the posting protocol; if the account hanging protocol is not signed, judging whether the user ID is verified in real name or not;
after the user ID real name is verified, receiving a posting application of the user, wherein the posting application comprises a posting contract;
acquiring the effective date and the settlement limit amount of the account hanging contract, generating a merchant signing contract version and sending the merchant signing contract version to the user terminal;
and acquiring the contract version signed by the user so as to enable the account-hanging agreement corresponding to the account-hanging contract to be valid within the valid date.
The invention provides a transaction platform based on a hanging account protocol, which comprises an information acquisition unit, an authentication unit and a settlement unit which are in signal connection in sequence;
the information acquisition unit is used for acquiring a commodity account-hanging purchase request of a user, wherein the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price or the commodity attribute information at least comprises a commodity price and a commodity-corresponding shop ID;
the authentication unit is used for judging whether the user signs an account hanging protocol and whether the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not according to the user ID and the shop ID corresponding to the commodity, wherein the account hanging protocol comprises the effective date and the settlement limit amount, or is used for judging whether the two parties sign the account hanging protocol and the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not according to the user ID and the shop ID corresponding to the commodity, and the account hanging protocol comprises the effective date and the settlement limit amount;
and the settlement unit is used for realizing account-hanging settlement according to each commodity price, settlement limit amount and the account-hung amount in the effective date in at least one commodity attribute information when the user signs the account-hanging protocol and the acquisition time of the commodity account-hanging purchase request is in the effective date of the account-hanging protocol.
A fourth aspect of the present invention provides a transaction platform based on a hanging account protocol, including a memory and a controller, which are sequentially connected in communication, where the memory stores a computer program, and the processor is configured to read the computer program and execute the transaction method based on the hanging account protocol according to the first aspect and any one of the possibilities.
The fifth aspect of the present invention provides a transaction system based on a hanging account protocol, which includes a user terminal, a merchant terminal, and a transaction platform that implements information interaction with the user terminal and the merchant terminal, where the transaction platform is the transaction platform based on the hanging account protocol according to the third aspect or the fourth aspect.
A sixth aspect of the present invention provides a computer readable storage medium having stored thereon instructions which, when run on a computer, perform the method of a posted protocol based transaction as described in the first aspect and any one of its possibilities.
Compared with the prior art, the invention at least has the following advantages and beneficial effects:
according to the invention, the account-hanging protocol is signed between the user and the merchant, so that the user only needs to carry out account-hanging in the settlement limit amount corresponding to the account-hanging protocol when the corresponding merchant shops, the auditing requirement is low, and the order can be rapidly formed.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart of the transaction method of the present invention.
Detailed Description
The invention is further described with reference to the following figures and specific embodiments. It should be noted that the description of the embodiments is provided to help understanding of the present invention, but the present invention is not limited thereto. Specific structural and functional details disclosed herein are merely illustrative of example embodiments of the invention. This invention may, however, be embodied in many alternate forms and should not be construed as limited to the embodiments set forth herein.
It should be understood that, for the term "and/or" as may appear herein, it is merely an associative relationship that describes an associated object, meaning that three relationships may exist, e.g., a and/or B may mean: a exists alone, B exists alone, and A and B exist at the same time; for the term "/and" as may appear herein, which describes another associative object relationship, it means that two relationships may exist, e.g., a/and B, may mean: a exists independently, and A and B exist independently; in addition, for the character "/" that may appear herein, it generally means that the former and latter associated objects are in an "or" relationship.
It should be understood that specific details are provided in the following description to facilitate a thorough understanding of example embodiments. However, it will be understood by those of ordinary skill in the art that the example embodiments may be practiced without these specific details. For example, systems may be shown in block diagrams in order not to obscure the examples in unnecessary detail. In other instances, well-known processes, structures and techniques may be shown without unnecessary detail in order to avoid obscuring example embodiments.
As shown in fig. 1, a first aspect of the present invention provides a transaction method based on a hanging account protocol, where the transaction method may be, but is not limited to, executed by a transaction platform, where the transaction platform may be software, or a combination of software and hardware, and the transaction platform may be integrated in an intelligent device such as a smart mobile terminal, a tablet, a computer, and the like. Specifically, the trading method provided by the first aspect of the present invention is suitable for a trading platform directly built by a merchant, and the trading method includes the following steps S11-S13.
Step S11, a commodity account-hanging purchase request of a user is obtained, the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price.
When a user consumes a merchant transaction platform supporting account hanging shopping, if the account hanging shopping transaction mode is selected, a commodity account hanging purchase request is sent to the merchant transaction platform through a user terminal, if the user selects a plurality of commodities, the commodity account hanging purchase request comprises a plurality of commodity prices, and if the user selects only one commodity, the commodity account hanging purchase request only comprises one commodity price. The user terminal may be a mobile phone, tablet, computer or other smart device.
Step S12, according to the user ID, judging whether the user signs the account hanging agreement and whether the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging agreement, wherein the account hanging agreement comprises the effective date and the settlement limit amount.
Specifically, after receiving the above-mentioned commodity account checking purchase request, the transaction platform of the merchant checks the commodity account checking purchase request, checks whether the user corresponding to the user ID in the commodity account checking purchase request signs an account checking protocol with the merchant, and if the account checking protocol is signed, verifies whether the acquisition time of the commodity account checking purchase request is within the effective date of the account checking protocol, and at this time, if the user signs the account checking protocol and the acquisition time of the commodity account checking purchase request is within the effective date of the account checking protocol, the transaction platform enters step S13.
If the account hanging protocol is not signed, whether the user ID is real-name verified or not is judged, if the user ID is not real-name verified, a real-name verification step is carried out, and a real-name verification request is sent to the user terminal. If the user is an individual, real-name verification can be based on the existing face recognition and identity card recognition modes; if the user is an enterprise, verification can be performed based on a consistent mode of company real-name authentication and enterprise real-name authentication.
After the user ID real name is verified, a posting application is submitted through a user terminal, and the transaction platform receives the posting application of the user, wherein the posting application comprises a posting contract.
The merchant checks the account hanging contract and the real name information through the merchant terminal, whether the account hanging application passes or not can be selected, and if the merchant selects to refute the account hanging application, a refute prompt is sent to the user terminal; if the merchant selects to pass the hanging account application, the merchant sets the effective date and the settlement limit amount of the hanging account contract, the transaction platform receives the effective date and the settlement limit amount of the hanging account contract, generates a merchant signing contract version and sends the merchant signing contract version to the user terminal.
And after receiving the contract version signed by the merchant, the user terminal confirms the correct signature and sends the contract version signed by the user to the transaction platform until the user and the merchant sign an account-keeping agreement which is only valid within the valid date set by the merchant. At this time, the process proceeds to step S13.
And step S13, realizing account posting and settlement according to each commodity price, settlement limit amount and account posted amount in the effective date in at least one commodity attribute information.
At this time, the difference T1 between the settlement limit amount and the posted amount in the effective date and the total T2 of each commodity price in at least one commodity attribute information are calculated; comparing the difference value between T1 and T2, and if the difference value between T1 and T2 is greater than or equal to 0, directly checking out accounts and settling accounts and updating the checked amount in the effective date; if the difference value between the T1 and the T2 is less than 0, calculating the amount T which is T2-T1; and finally, sending information to be paid to the user terminal, wherein the information to be paid comprises the amount T due.
For example, if the account limit amount in the account-keeping agreement signed by the user and the merchant is 20 ten thousand, and the account-kept amount in the effective date is 15 ten thousand, T1 is 5 ten thousand. If the total sum T2 of the prices of all the commodities in the commodity attribute information is 3 ten thousand, the account is directly posted and settled, and the posted amount in the effective date is updated to 18 ten thousand. If the total price T2 of all commodities in the commodity attribute information is 8 ten thousand, the amount of money posted in the effective date is updated to 0, and information to be paid is sent to the user terminal, wherein the amount of money due is 3 ten thousand.
Based on the transaction method, credit assessment is not needed for the user, the problems of credit and trust between the merchant and the consumer are solved, effective transaction can be carried out between the merchant and strange clients without worrying about the problem of money return under the guarantee of a trust system of a third party, and the transaction amount between the merchant and the consumer can be increased. The hanging account protocol can also be used for storing the evidence and the like in three ways based on the block chain technology, so that the hanging account protocol can provide effective evidence according to the evidence.
The second aspect of the present invention provides a transaction method based on a hanging account protocol, and also, the transaction method may be, but is not limited to, executed by a transaction platform, where the transaction platform may be software, or a combination of software and hardware, and the transaction platform may be integrated in an intelligent device such as an intelligent mobile terminal, a tablet, a computer, and the like. Specifically, the trading method provided by the second aspect of the present invention is suitable for a trading platform built by a third party, and includes the following steps S21 to S23.
Step S21, a commodity account-hanging purchase request of a user is obtained, the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price and a shop ID corresponding to a commodity. The specific steps of the method are substantially the same as those of step S11 in the first aspect, and only the commodity attribute information is different, which is not described herein again.
And step S22, judging whether both parties sign an account hanging protocol and whether the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol according to the user ID and the shop ID corresponding to the commodity, wherein the account hanging protocol comprises the effective date and a settlement limit amount.
Specifically, after receiving the above-mentioned goods hang-up purchase request, the transaction platform of the third party verifies the goods hang-up purchase request, verifies whether the user corresponding to the user ID in the goods hang-up purchase request signs the hang-up agreement with the merchant corresponding to the shop ID corresponding to the goods, if the hang-up agreement is signed, verifies whether the acquisition time of the goods hang-up purchase request is within the effective date of the hang-up agreement, at this time, if the user corresponding to the user ID and the merchant corresponding to the shop ID corresponding to the goods already sign the hang-up agreement and the acquisition time of the goods hang-up purchase request is within the effective date of the hang-up agreement, step S23 is entered.
If the account hanging protocol is not signed, whether the user ID is real-name verified or not is judged, if the user ID is not real-name verified, a real-name verification step is carried out, and a real-name verification request is sent to the user terminal. If the user is an individual, real-name verification can be based on the existing face recognition and identity card recognition modes; if the user is an enterprise, verification can be performed based on a consistent mode of company real-name authentication and enterprise real-name authentication.
After the user ID real name is verified, a posting application is submitted through a user terminal, and the transaction platform receives the posting application of the user, wherein the posting application comprises a posting contract.
The merchant checks the account hanging contract and the real name information through the merchant terminal, whether the account hanging application passes or not can be selected, and if the merchant selects to refute the account hanging application, a refute prompt is sent to the user terminal; if the merchant selects to pass the hanging account application, the merchant sets the effective date and the settlement limit amount of the hanging account contract, the transaction platform receives the effective date and the settlement limit amount of the hanging account contract, generates a merchant signing contract version and sends the merchant signing contract version to the user terminal.
And after receiving the contract version signed by the merchant, the user terminal confirms the correct signature and sends the contract version signed by the user to the transaction platform until the user and the merchant sign an account-keeping agreement which is only valid within the valid date set by the merchant. At this time, the process proceeds to step S23.
And step S23, realizing account posting and settlement according to each commodity price, settlement limit amount and account posted amount in the effective date in at least one commodity attribute information. This step is the same as step S13 in the first aspect, and is not described herein again.
The invention provides a transaction platform based on a hanging account protocol, which comprises an information acquisition unit, an authentication unit and a settlement unit which are in signal connection in sequence;
the information acquisition unit is used for acquiring a commodity account-hanging purchase request of a user, wherein the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price or the commodity attribute information at least comprises a commodity price and a commodity-corresponding shop ID;
the authentication unit is used for judging whether the user signs an account hanging protocol and whether the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not according to the user ID and the shop ID corresponding to the commodity, wherein the account hanging protocol comprises the effective date and the settlement limit amount, or is used for judging whether the two parties sign the account hanging protocol and the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not according to the user ID and the shop ID corresponding to the commodity, and the account hanging protocol comprises the effective date and the settlement limit amount;
and the settlement unit is used for realizing account-hanging settlement according to each commodity price, settlement limit amount and the account-hung amount in the effective date in at least one commodity attribute information when the user signs the account-hanging protocol and the acquisition time of the commodity account-hanging purchase request is in the effective date of the account-hanging protocol.
The operation principle of the trading platform in the third aspect is detailed in the detailed description of the first aspect and the second aspect, and is not described herein again.
A fourth aspect of the present invention provides a transaction platform based on a hanging account protocol, including a memory and a controller, which are sequentially connected in communication, where the memory stores a computer program, and the processor is configured to read the computer program and execute the transaction method based on the hanging account protocol according to the first aspect and any one of the possibilities. For example, the Memory may include, but is not limited to, a Random-Access Memory (RAM), a Read-Only Memory (ROM), a Flash Memory (Flash Memory), a First-in First-out (FIFO), a First-in First-out (First Input Last Output, FILO), and/or a First-in Last-out (First Input Last Output, FILO), etc.; the processor may not be limited to the use of a microprocessor of the model number STM32F105 family. Furthermore, the computer device may also include, but is not limited to, a power supply unit, a display screen, and other necessary components.
The fifth aspect of the present invention provides a transaction system based on a hanging account protocol, which includes a user terminal, a merchant terminal, and a transaction platform that implements information interaction with the user terminal and the merchant terminal, where the transaction platform is the transaction platform based on the hanging account protocol according to the third aspect or the fourth aspect.
A sixth aspect of the present invention provides a computer readable storage medium having stored thereon instructions which, when run on a computer, perform the method of a posted protocol based transaction as described in the first aspect and any one of its possibilities. The computer-readable storage medium refers to a carrier for storing data, and may include, but is not limited to, floppy disks, optical disks, hard disks, flash memories, flash disks and/or Memory sticks (Memory sticks), etc., and the computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices.
The above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: modifications may be made to the embodiments described above, or equivalents may be substituted for some of the features described. And such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (9)
1. A transaction method based on a hanging account protocol is characterized by comprising the following steps:
acquiring a commodity account-hanging purchase request of a user, wherein the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price;
judging whether the user signs an account-hanging protocol and whether the acquisition time of the commodity account-hanging purchase request is within the effective date of the account-hanging protocol or not according to the user ID, wherein the account-hanging protocol comprises the effective date and a settlement limit amount;
and when the user signs the account-hanging agreement and the acquisition time of the commodity account-hanging purchase request is within the effective date of the account-hanging agreement, realizing account-hanging settlement according to the price of each commodity in the at least one commodity attribute information, the settlement limit and the account-hanging amount within the effective date.
2. The transaction method based on the hanging account protocol as claimed in claim 1, wherein the determining whether the user has signed the hanging account protocol and the time of acquiring the commodity hanging account purchase request is within the effective date of the hanging account protocol according to the user ID comprises:
judging whether the user ID signs the account hanging protocol or not, and if so, verifying whether the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not; if the account hanging protocol is not signed, judging whether the user ID is verified in real name or not;
after the user ID real name is verified, receiving a posting application of the user, wherein the posting application comprises a posting contract;
acquiring the effective date and the settlement limit amount of the account hanging contract, generating a merchant signing contract version and sending the merchant signing contract version to the user terminal;
and acquiring the contract version signed by the user so as to enable the account-hanging agreement corresponding to the account-hanging contract to be valid within the valid date.
3. The transaction method based on the posting agreement, as claimed in claim 1, wherein the implementing the posting settlement according to each commodity price, the settlement limit amount and the posted amount within the effective date in the at least one commodity attribute information comprises:
calculating a difference T1 between the settlement limit amount and the account amount posted in the effective date;
calculating a sum T2 of prices of each commodity in the at least one commodity attribute information;
comparing the difference value between T1 and T2, and if the difference value between T1 and T2 is greater than or equal to 0, directly checking out accounts and updating the checked amount in the effective date; if the difference value between the T1 and the T2 is less than 0, calculating the amount T which is T2-T1;
and sending information to be paid to the user terminal, wherein the information to be paid comprises the amount T due.
4. A transaction method based on a hanging account protocol is characterized by comprising the following steps:
acquiring a commodity account-hanging purchase request of a user, wherein the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price and a shop ID corresponding to a commodity;
judging whether both parties sign an account hanging protocol and whether the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not according to the user ID and the shop ID corresponding to the commodity, wherein the account hanging protocol comprises the effective date and a settlement limit amount;
and when the two parties sign the account hanging agreement and the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging agreement, realizing account hanging settlement according to the price of each commodity in the at least one commodity attribute information, the settlement limit amount and the account hanging amount within the effective date.
5. The transaction method based on the hanging account protocol as claimed in claim 4, wherein the determining whether both parties have signed the hanging account protocol and the time for acquiring the commodity hanging account purchase request is within the effective date of the hanging account protocol according to the user ID and the shop ID corresponding to the commodity comprises:
judging whether a posting protocol is signed between the user ID and the shop ID corresponding to the commodity, and if the posting protocol is signed, verifying whether the acquisition time of the commodity posting purchase request is within the effective date of the posting protocol; if the account hanging protocol is not signed, judging whether the user ID is verified in real name or not;
after the user ID real name is verified, receiving a posting application of the user, wherein the posting application comprises a posting contract;
acquiring the effective date and the settlement limit amount of the account hanging contract, generating a merchant signing contract version and sending the merchant signing contract version to the user terminal;
and acquiring the contract version signed by the user so as to enable the account-hanging agreement corresponding to the account-hanging contract to be valid within the valid date.
6. A transaction platform based on a hanging account protocol is characterized by comprising an information acquisition unit, an authentication unit and a settlement unit which are in signal connection in sequence;
the information acquisition unit is used for acquiring a commodity account-hanging purchase request of a user, wherein the commodity account-hanging purchase request comprises a user ID and at least one commodity attribute information, and the commodity attribute information at least comprises a commodity price or the commodity attribute information at least comprises a commodity price and a commodity-corresponding shop ID;
the authentication unit is used for judging whether the user signs an account hanging protocol and whether the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not according to the user ID and the shop ID corresponding to the commodity, wherein the account hanging protocol comprises the effective date and the settlement limit amount, or is used for judging whether the two parties sign the account hanging protocol and the acquisition time of the commodity account hanging purchase request is within the effective date of the account hanging protocol or not according to the user ID and the shop ID corresponding to the commodity, and the account hanging protocol comprises the effective date and the settlement limit amount;
and the settlement unit is used for realizing account-hanging settlement according to each commodity price, settlement limit amount and the account-hung amount in the effective date in at least one commodity attribute information when the user signs the account-hanging protocol and the acquisition time of the commodity account-hanging purchase request is in the effective date of the account-hanging protocol.
7. A transaction platform based on a hanging account protocol comprises a memory and a controller which are sequentially in communication connection, wherein the memory is stored with a computer program, and the transaction platform is characterized in that: the processor is configured to read the computer program and execute the hanging protocol based transaction method of any one of claims 1-5.
8. A transaction system based on the hanging account protocol, comprising a user terminal, a merchant terminal and a transaction platform for realizing information interaction with the user terminal and the merchant terminal, wherein the transaction platform is the transaction platform based on the hanging account protocol according to claim 6 or 7.
9. A computer-readable storage medium having instructions stored thereon, characterized in that: the method of any of claims 1-5 when executed on a computer to perform a hanging protocol based transaction method.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110893369.XA CN113627924A (en) | 2021-08-04 | 2021-08-04 | Transaction method, platform, system and storage medium based on account hanging protocol |
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| CN202110893369.XA CN113627924A (en) | 2021-08-04 | 2021-08-04 | Transaction method, platform, system and storage medium based on account hanging protocol |
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| CN113627924A true CN113627924A (en) | 2021-11-09 |
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