CN113743923A - Merchant cash withdrawal method based on e-commerce platform - Google Patents
Merchant cash withdrawal method based on e-commerce platform Download PDFInfo
- Publication number
- CN113743923A CN113743923A CN202111048685.3A CN202111048685A CN113743923A CN 113743923 A CN113743923 A CN 113743923A CN 202111048685 A CN202111048685 A CN 202111048685A CN 113743923 A CN113743923 A CN 113743923A
- Authority
- CN
- China
- Prior art keywords
- client
- server
- information
- cash
- bank card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 37
- 230000002159 abnormal effect Effects 0.000 claims abstract description 15
- 230000006870 function Effects 0.000 description 5
- 238000007689 inspection Methods 0.000 description 4
- 238000012545 processing Methods 0.000 description 4
- 230000009286 beneficial effect Effects 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 238000012550 audit Methods 0.000 description 1
- 230000006399 behavior Effects 0.000 description 1
- 238000010276 construction Methods 0.000 description 1
- 238000005034 decoration Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000014509 gene expression Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000008447 perception Effects 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
Images
Classifications
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/23—Updating
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- 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
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses a merchant cash withdrawal method based on an e-commerce platform, which comprises the following steps: a client initiates a cash withdrawal request to a server; after the server and the client interactively determine that the information of the bank card is correct, the client transmits the cash withdrawal amount to the server; the server receives the cash withdrawal amount, creates a new cash withdrawal record and carries out transaction when the account balance of the client login account is judged to be more than or equal to the cash withdrawal amount, and sends a successful cash withdrawal message to the client; after creating the new withdrawal record, the server inquires all withdrawal records of the client login account, judges whether the withdrawal amount exceeds a preset threshold, if so, the client login account is abnormal, and lists the client login account in an abnormal list. By setting the threshold value, whether the cash withdrawal amount in the newly added cash withdrawal record is increased by 10 times or more compared with the cash withdrawal amount in all the cash withdrawal records can be screened out, and the cash withdrawal amount is audited.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a merchant cash withdrawal method based on an e-commerce platform.
Background
Along with the rapid development of the e-commerce industry, various application scenes are more and more in-depth. When each merchant resides in one e-commerce platform, the financial condition of the merchant needs to be known, and the profits obtained by selling commodities can be timely extracted to the account of the merchant. In the prior art, the invention patent of application publication No. CN106897869A discloses a cross-border electronic commerce platform bank-enterprise direct connection method, which includes that an electronic commerce platform checks a cash withdrawal application, if the cash withdrawal application meets the cash withdrawal condition, the electronic commerce platform calls a bank-enterprise direct connection front-end processor to remit a request account number, and the electronic commerce platform saves a cash withdrawal record. The prior art can complete the function of withdrawal, but cannot audit withdrawn funds and screen out malicious list-swiping behaviors.
Therefore, it is an urgent problem to provide a method for bringing out a business based on an e-commerce platform.
Disclosure of Invention
In view of this, the present invention provides a method for bringing up cash of a merchant based on an e-commerce platform, including:
the method comprises the steps that a client side obtains data from a server, wherein the data comprises account balance;
the server sends the data to the client;
the client receives the data and initiates a cash withdrawal request to the server;
the server receives the cash withdrawal request initiated by the client, judges whether a login account of the client has a history record of successfully withdrawing a bank card, and if the login account does not have the history record, the server sends information without the bank card to the client;
when the client receives the information without the bank card, the client adds the information of the bank card and checks whether the information of the bank card meets the format rule, and if the information of the bank card meets the format rule, the client transmits the information of the bank card to the server;
the server receives the information of the newly added bank card, checks whether the information of the newly added bank card is real and effective and sends the information to the client;
when the client receives the information of the newly added bank card, the client transmits the cash withdrawal amount to the server;
the server receives the cash withdrawal amount, judges whether the account balance of the client login account is larger than or equal to the cash withdrawal amount, creates a newly added cash withdrawal record and conducts transaction if the account balance is larger than or equal to the cash withdrawal amount, and sends a cash withdrawal success message to the client;
and after creating the new withdrawal record, the server inquires all withdrawal records of the client login account, judges whether the withdrawal amount exceeds a preset threshold, if so, the client login account is abnormal, and lists the client login account in an abnormal list.
Preferably, when the server receives the cash-out request initiated by the client, the method further includes,
the server acquires the model of the login equipment through the client, judges whether the login equipment is the common login equipment or not, and sends a reminding message to the client if the login equipment is not the common login equipment;
the client acquires identity certification information after receiving the reminding message and calls basic information of a client login account to the server;
the server sends the basic information of the client login account to the client;
the client side judges whether the identification information is consistent with the basic information of the client side login account number or not, and if so, the server judges whether the client side login account number has a history record of successfully presenting to a bank card or not.
Preferably, if the client login account is inconsistent with the current withdrawal function of the client login account, the server freezes the current withdrawal function of the client login account.
Preferably, the data further includes a frozen amount, a refund amount, a commission amount.
Preferably, the data further comprises a pie chart showing the proportions of the account balance, the frozen amount, the refund amount and the commission amount.
Preferably, the server updates the data once every preset time period, and stores the updated data into a Redis queue.
Preferably, the determining whether the client login account has a history of successful cash withdrawal to the bank card further comprises,
if the history records exist, the server sends the bank card information bound with the client login account to the client;
and when the client receives the bound bank card information, the client transmits the cash withdrawal amount to the server.
Preferably, the checking whether the information of the newly added bank card is real and valid and sending the information to the client further comprises,
and when the client receives the information of the newly added bank card and is invalid, the client corrects the information of the newly added bank card.
Preferably, the client sends a request of the quota amount to the server;
and the server receives and stores the request of the quota amount, and the server sends the message that the quota amount is successfully set to the client.
Preferably, the page of the client is written by html, css and js.
Compared with the prior art, the merchant cash withdrawal method based on the E-commerce platform provided by the invention at least realizes the following beneficial effects:
1. according to the merchant cash-withdrawal method based on the E-commerce platform, after the server creates the newly-added cash-withdrawal records, all the cash-withdrawal records of the client login account are inquired, whether the cash-withdrawal amount exceeds a preset threshold or not is judged, if the cash-withdrawal amount exceeds the preset threshold, the client login account is abnormal, and the client login account is listed in an abnormal list. Through setting up the threshold value, can screen out and increase 10 times or more than the increase number of money.
2. According to the merchant cash-withdrawal method based on the E-commerce platform, the client side obtains data from the server, the data comprise account balance, the server sends the data to the client side, the account balance can be checked in real time, and the business condition of a store can be known.
3. In the merchant cash-withdrawal method based on the e-commerce platform, when the client receives information without the bank card, the client adds the information of the bank card and checks whether the information of the bank card meets the format rule, and if the information of the bank card meets the format rule, the client transmits the information of the bank card to the server. The client side firstly carries out format rule inspection on the newly added bank card information, and then transmits the newly added bank card information to the server after the newly added bank card information is qualified, so that the problem that the format rule of the newly added bank card information is wrong is avoided, and the processing capacity of the server is increased.
Of course, it is not necessary for any product in which the present invention is practiced to achieve all of the above-described technical effects simultaneously.
Other features of the present invention and advantages thereof will become apparent from the following detailed description of exemplary embodiments thereof, which proceeds with reference to the accompanying drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description, serve to explain the principles of the invention.
FIG. 1 is a flow chart of a merchant cash withdrawal method based on an e-commerce platform provided by the invention;
FIG. 2 is a flowchart of the server determining whether the login device is a regular login device;
FIG. 3 is a schematic view of a pie chart.
Detailed Description
Various exemplary embodiments of the present invention will now be described in detail with reference to the accompanying drawings. It should be noted that: the relative arrangement of the components and steps, the numerical expressions and numerical values set forth in these embodiments do not limit the scope of the present invention unless specifically stated otherwise.
The following description of at least one exemplary embodiment is merely illustrative in nature and is in no way intended to limit the invention, its application, or uses.
Techniques, methods, and apparatus known to those of ordinary skill in the relevant art may not be discussed in detail but are intended to be part of the specification where appropriate.
In all examples shown and discussed herein, any particular value should be construed as merely illustrative, and not limiting. Thus, other examples of the exemplary embodiments may have different values.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, further discussion thereof is not required in subsequent figures.
Example 1
Fig. 1 is a flowchart of a method for a merchant cash-out based on an e-commerce platform provided by the present invention, and a specific embodiment of the method for a merchant cash-out based on an e-commerce platform provided by the present invention is described below with reference to fig. 1, and includes:
s11: the client acquires data from the server, wherein the data comprises account balance;
s12: the server sends the data to the client, so that the account balance can be checked in real time to know the operating condition of the shop;
s13: the client receives the data and initiates a cash withdrawal request to the server;
s14: the server receives a cash withdrawal request initiated by the client, judges whether a login account of the client has a history record of successfully withdrawing the bank card, and if the login account does not have the history record, the server sends information without the bank card to the client;
s15: when the client receives the information without the bank card, the client adds the information of the bank card and checks whether the information of the bank card meets the format rule, if so, the client transmits the information of the bank card to the server, thereby avoiding the problem that the format rule of the information of the bank card is failed to increase the processing capacity of the server.
S16: the server receives the information of the newly added bank card, checks whether the information of the newly added bank card is real and effective and sends the information to the client;
specifically, the server may connect to a bank to perform third-party verification, and determine whether an account exists in the newly added bank card information, whether the account and the name of the cardholder are in a corresponding relationship, and the like.
S17: when the client receives the information of the newly added bank card, the client transmits the cash sum to the server;
s18: the server receives the cash withdrawal amount, judges whether the account balance of the account logged in by the client is larger than or equal to the cash withdrawal amount, creates a newly added cash withdrawal record and carries out transaction if the account balance is larger than or equal to the cash withdrawal amount, and sends a cash withdrawal success message to the client;
s19: after creating the new withdrawal record, the server inquires all withdrawal records of the client login account, judges whether the withdrawal amount exceeds a preset threshold, if so, the client login account is abnormal, and lists the client login account in an abnormal list. Through setting up the threshold value, can screen out and increase 10 times or more than the increase number of money.
Specifically, the preset threshold may be set to an exact number, the preset threshold is 500000, the server queries all the withdrawal records of the client login account, if the withdrawal amount in all the withdrawal records is between 5000-.
In some embodiments, the preset threshold is set as follows:
A＝σB，
wherein A is a preset threshold, sigma is a coefficient, and B is the average of the withdrawal amounts in all withdrawal records.
If the client logs in the account and is successfully promoted for 5 times, the first cash-out amount is 10000, the second cash-out amount is 8000, the third cash-out amount is 15000, the fourth cash-out amount is 11000, and the fifth cash-out amount is 20000, the average number B of the cash-out amounts in all the cash-out records is 12800 through calculation. Setting the coefficient σ to 10, the preset threshold is 128000. And when the withdrawal amount in the newly-added withdrawal record is 1000000 and exceeds a preset threshold, judging that the login account of the client is abnormal.
The above setting of the preset threshold is merely illustrative, but not limited thereto, and other setting methods of the preset threshold are also within the scope of the present invention.
Example 2
Referring to fig. 1, fig. 2 and fig. 3, fig. 1 is a flowchart of a merchant cash-out method based on an e-commerce platform according to the present invention; FIG. 2 is a flowchart of the server determining whether the login device is a regular login device; FIG. 3 is a schematic view of a pie chart. Another specific embodiment of the method for providing a customer cash register based on an e-commerce platform according to the present invention includes:
s21: the client acquires data from the server, wherein the data comprises account balance;
the data also includes a frozen amount, a refund amount, a commission amount.
The data also comprises a pie chart which displays the proportion of the account balance, the frozen amount, the refund amount and the commission amount, and the account balance can be checked in real time to know the operating condition of the shop.
The frozen amount is the amount of sold articles but not receiving the payment, and the consumer does not confirm the completion of receiving the goods, and the merchant can receive the payment only after the goods are sent out for 15 days and then automatically confirm the receipt of the goods.
S22: the server sends the data to the client;
and the server updates the data once every preset time period and stores the updated data into the Redis queue. The client data updating needs to access the server continuously, the access amount of the server is increased, after a Redis queue is built, the server obtains the latest data and stores the latest data into the queue, when the client requests the data, the corresponding data is directly obtained from the Redis queue, the data is cleared from the Redis queue after the data is obtained, and the next time the server data is changed and stored, static non-perception changed data can be achieved, the real-time performance of the data is guaranteed, the interaction with the server is reduced, and therefore the access pressure of the server is reduced.
S23: the client receives the data and initiates a cash withdrawal request to the server;
s24: the method comprises the steps that a server receives a cash withdrawal request initiated by a client, the server obtains the model of login equipment through the client and judges whether the login equipment is common login equipment or not;
s241: if the login equipment is not the common login equipment, the server sends a reminding message to the client;
s2411: after receiving the reminding message, the client acquires identity information and calls basic information of a client login account to the server;
s2412: the server sends the basic information of the client login account to the client;
s2413: the client judges whether the identity information is consistent with the basic information of the client login account;
s24131: if the account number is consistent with the historical record of the bank card, the server judges whether the login account number of the client has the historical record of successfully presenting the bank card.
S24132: and if the user account is inconsistent with the current account, the server freezes the cash withdrawal function of the login account of the client. The security of the account can be protected by the arrangement, and when the client logs in the account and is stolen, funds are frozen in time, so that property loss is avoided.
S242: if the login account is the common login equipment, judging whether the login account of the client has the history of successfully cashing the bank card;
s2421: if no history record exists, the server sends information without the bank card to the client;
s24211: when the client receives the information without the bank card, the client adds the information of the bank card and checks whether the information of the added bank card meets the format rule; if the format rule is met, the client transmits the information of the newly added bank card to the server, the client performs format rule inspection on the information of the newly added bank card first and transmits the information of the newly added bank card to the server after the information of the newly added bank card is qualified, and the problem that the format rule of the information of the newly added bank card is failed is avoided, so that the processing capacity of the server is increased.
S24212: the server receives the information of the newly added bank card, checks whether the information of the newly added bank card is real and effective and sends the information to the client;
s242121: when the client receives the information of the newly added bank card, the client transmits the cash sum to the server;
s242122: checking whether the information of the newly added bank card is real and effective and sending the information to the client, and further comprising,
and when the client receives the information of the newly added bank card and is invalid, the client corrects the information of the newly added bank card. And retransmitting the corrected information of the newly added bank card to the server for inspection.
S2422: judging whether the client login account has a history record of successfully presenting the bank card, and if so, sending the information of the bank card bound with the client login account to the client by the server;
s243: and when the client receives the bound bank card information, the client transmits the cash withdrawal amount to the server.
S244: the server receives the cash withdrawal amount, judges whether the account balance of the account logged in by the client is larger than or equal to the cash withdrawal amount, creates a newly added cash withdrawal record and carries out transaction if the account balance is larger than or equal to the cash withdrawal amount, and sends a cash withdrawal success message to the client;
s245: after creating the new withdrawal record, the server inquires all withdrawal records of the client login account, judges whether the withdrawal amount exceeds a preset threshold, if so, the client login account is abnormal, and lists the client login account in an abnormal list. Through setting up the threshold value, can screen out and increase 10 times or more than the increase number of money.
S246: the client sends a request of the quota amount to the server;
the server receives and stores the request of the quota amount, and the server sends the message that the quota amount is successfully set to the client. The set limit can be set according to the requirement, and property loss caused under special conditions can be avoided.
The page of the client is written by html, css and js. Webpage construction is carried out through html, webpage decoration is carried out through css, webpage interaction is carried out through js, and the client side page is complete in function and attractive in appearance.
According to the embodiment, the merchant cash withdrawal method based on the e-commerce platform provided by the invention at least has the following beneficial effects:
1. according to the merchant cash-withdrawal method based on the E-commerce platform, after the server creates the newly-added cash-withdrawal records, all the cash-withdrawal records of the client login account are inquired, whether the cash-withdrawal amount exceeds a preset threshold or not is judged, if the cash-withdrawal amount exceeds the preset threshold, the client login account is abnormal, and the client login account is listed in an abnormal list. Through setting up the threshold value, can screen out and increase 10 times or more than the increase number of money.
2. According to the merchant cash-withdrawal method based on the E-commerce platform, the client side obtains data from the server, the data comprise account balance, the server sends the data to the client side, the account balance can be checked in real time, and the business condition of a store can be known.
3. In the merchant cash-withdrawal method based on the e-commerce platform, when the client receives information without the bank card, the client adds the information of the bank card and checks whether the information of the bank card meets the format rule, and if the information of the bank card meets the format rule, the client transmits the information of the bank card to the server. The client side firstly carries out format rule inspection on the newly added bank card information, and then transmits the newly added bank card information to the server after the newly added bank card information is qualified, so that the problem that the format rule of the newly added bank card information is wrong is avoided, and the processing capacity of the server is increased.
Although some specific embodiments of the present invention have been described in detail by way of examples, it should be understood by those skilled in the art that the above examples are for illustrative purposes only and are not intended to limit the scope of the present invention. It will be appreciated by those skilled in the art that modifications may be made to the above embodiments without departing from the scope and spirit of the invention. The scope of the invention is defined by the appended claims.
Claims (10)
1. A merchant cash withdrawal method based on an e-commerce platform is characterized by comprising the following steps:
the method comprises the steps that a client side obtains data from a server, wherein the data comprises account balance;
the server sends the data to the client;
the client receives the data and initiates a cash withdrawal request to the server;
the server receives the cash withdrawal request initiated by the client, judges whether a login account of the client has a history record of successfully withdrawing a bank card, and if the login account does not have the history record, the server sends information without the bank card to the client;
when the client receives the information without the bank card, the client adds the information of the bank card and checks whether the information of the bank card meets the format rule, and if the information of the bank card meets the format rule, the client transmits the information of the bank card to the server;
the server receives the information of the newly added bank card, checks whether the information of the newly added bank card is real and effective and sends the information to the client;
when the client receives the information of the newly added bank card, the client transmits the cash withdrawal amount to the server;
the server receives the cash withdrawal amount, judges whether the account balance of the client login account is larger than or equal to the cash withdrawal amount, creates a newly added cash withdrawal record and conducts transaction if the account balance is larger than or equal to the cash withdrawal amount, and sends a cash withdrawal success message to the client;
and after creating the new withdrawal record, the server inquires all withdrawal records of the client login account, judges whether the withdrawal amount exceeds a preset threshold, if so, the client login account is abnormal, and lists the client login account in an abnormal list.
2. The e-commerce platform based merchant cash-out method of claim 1, wherein when the server receives the request for cash-out initiated by the client, further comprising,
the server acquires the model of the login equipment through the client, judges whether the login equipment is the common login equipment or not, and sends a reminding message to the client if the login equipment is not the common login equipment;
the client acquires identity certification information after receiving the reminding message and calls basic information of a client login account to the server;
the server sends the basic information of the client login account to the client;
the client side judges whether the identification information is consistent with the basic information of the client side login account number or not, and if so, the server judges whether the client side login account number has a history record of successfully presenting to a bank card or not.
3. The e-commerce platform based merchant cash-out method according to claim 2, wherein if the client login account number is inconsistent with the e-commerce platform based merchant cash-out function, the server freezes the cash-out function of the client login account number.
4. The e-commerce platform based merchant cash-out method of claim 1, wherein the data further includes a frozen amount, a refund amount, a commission amount.
5. The e-commerce platform based merchant cash-out method of claim 4, wherein the data further comprises a pie chart showing a ratio of the account balance, the frozen amount, the refund amount, and the commission amount.
6. The e-commerce platform based merchant cash-out method according to claim 5, wherein the server updates the data once every preset time period and stores the updated data in a Redis queue.
7. The e-commerce platform based merchant cash-out method of claim 1, wherein the determining whether the client login account number has a history of successful cash-outs to a bank card further comprises,
if the history records exist, the server sends the bank card information bound with the client login account to the client;
and when the client receives the bound bank card information, the client transmits the cash withdrawal amount to the server.
8. The e-commerce platform based merchant cash-out method as claimed in claim 1, wherein the step of verifying whether the information of the newly added bank card is true and valid and sending the information to the client further comprises,
and when the client receives the information of the newly added bank card and is invalid, the client corrects the information of the newly added bank card.
9. The e-commerce platform based merchant cash-out method of claim 1, further comprising the client sending a request for a quota amount to the server;
and the server receives and stores the request of the quota amount, and the server sends the message that the quota amount is successfully set to the client.
10. The e-commerce platform based merchant cash-out method of claim 1, wherein the page of the client is written in html, css and js.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111048685.3A CN113743923A (en) | 2021-09-08 | 2021-09-08 | Merchant cash withdrawal method based on e-commerce platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111048685.3A CN113743923A (en) | 2021-09-08 | 2021-09-08 | Merchant cash withdrawal method based on e-commerce platform |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113743923A true CN113743923A (en) | 2021-12-03 |
Family
ID=78736948
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111048685.3A Pending CN113743923A (en) | 2021-09-08 | 2021-09-08 | Merchant cash withdrawal method based on e-commerce platform |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113743923A (en) |
Citations (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH10162089A (en) * | 1996-12-02 | 1998-06-19 | Oki Electric Ind Co Ltd | Electronic transaction system |
| WO2000046769A1 (en) * | 1999-02-03 | 2000-08-10 | Toman Paul M | System and method for monitoring a credit account |
| JP2006139433A (en) * | 2004-11-11 | 2006-06-01 | Casio Hitachi Mobile Communications Co Ltd | Mobile terminal device and program |
| CN101408969A (en) * | 2008-11-13 | 2009-04-15 | 中国工商银行股份有限公司 | Server and system for monitoring bank risk data |
| KR20110023955A (en) * | 2009-09-01 | 2011-03-09 | 이상원 | System and method for verifying identity of user |
| CN103532797A (en) * | 2013-11-06 | 2014-01-22 | 网之易信息技术（北京）有限公司 | Abnormity monitoring method and device for user registration |
| CN103714479A (en) * | 2012-10-09 | 2014-04-09 | 四川欧润特软件科技有限公司 | Intelligent centralized monitor method and system for bank personal business fraudulent conducts |
| CN106897869A (en) * | 2017-02-22 | 2017-06-27 | 世纪禾光科技发展（北京）有限公司 | The direct-connected method and system of cross-border e-commerce platform bank |
| CN107146076A (en) * | 2017-04-10 | 2017-09-08 | 广州智造家网络科技有限公司 | Method for secure transactions and system |
| CN107623687A (en) * | 2017-09-13 | 2018-01-23 | 乐蜜有限公司 | A kind of illegal method, operation detection method, device and electronic equipment |
| WO2018231671A2 (en) * | 2017-06-16 | 2018-12-20 | Nec Laboratories America, Inc. | Suspicious remittance detection through financial behavior analysis |
| CN112182546A (en) * | 2020-09-15 | 2021-01-05 | 珠海格力电器股份有限公司 | Account number protection method and device, terminal equipment and storage medium |
| US10949863B1 (en) * | 2016-05-25 | 2021-03-16 | Wells Fargo Bank, N.A. | System and method for account abuse risk analysis |
-
2021
- 2021-09-08 CN CN202111048685.3A patent/CN113743923A/en active Pending
Patent Citations (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH10162089A (en) * | 1996-12-02 | 1998-06-19 | Oki Electric Ind Co Ltd | Electronic transaction system |
| WO2000046769A1 (en) * | 1999-02-03 | 2000-08-10 | Toman Paul M | System and method for monitoring a credit account |
| JP2006139433A (en) * | 2004-11-11 | 2006-06-01 | Casio Hitachi Mobile Communications Co Ltd | Mobile terminal device and program |
| CN101408969A (en) * | 2008-11-13 | 2009-04-15 | 中国工商银行股份有限公司 | Server and system for monitoring bank risk data |
| KR20110023955A (en) * | 2009-09-01 | 2011-03-09 | 이상원 | System and method for verifying identity of user |
| CN103714479A (en) * | 2012-10-09 | 2014-04-09 | 四川欧润特软件科技有限公司 | Intelligent centralized monitor method and system for bank personal business fraudulent conducts |
| CN103532797A (en) * | 2013-11-06 | 2014-01-22 | 网之易信息技术（北京）有限公司 | Abnormity monitoring method and device for user registration |
| US10949863B1 (en) * | 2016-05-25 | 2021-03-16 | Wells Fargo Bank, N.A. | System and method for account abuse risk analysis |
| CN106897869A (en) * | 2017-02-22 | 2017-06-27 | 世纪禾光科技发展（北京）有限公司 | The direct-connected method and system of cross-border e-commerce platform bank |
| CN107146076A (en) * | 2017-04-10 | 2017-09-08 | 广州智造家网络科技有限公司 | Method for secure transactions and system |
| WO2018231671A2 (en) * | 2017-06-16 | 2018-12-20 | Nec Laboratories America, Inc. | Suspicious remittance detection through financial behavior analysis |
| CN107623687A (en) * | 2017-09-13 | 2018-01-23 | 乐蜜有限公司 | A kind of illegal method, operation detection method, device and electronic equipment |
| CN112182546A (en) * | 2020-09-15 | 2021-01-05 | 珠海格力电器股份有限公司 | Account number protection method and device, terminal equipment and storage medium |
Non-Patent Citations (1)
| Title |
|---|
| 肖成志等: "人民币国际化背景下跨境电子商务 和跨境支付业务的发展思考", 《货币时论》, no. 8, pages 18 - 26 * |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| EP2122896B1 (en) | Detecting inappropriate activity by analysis of user interactions | |
| US8548858B2 (en) | Method and system for detecting fraud | |
| US7096192B1 (en) | Method and system for detecting fraud in a credit card transaction over a computer network | |
| EP2410484A1 (en) | Systems and methods for notifying a consumer of changes made to a credit report | |
| US8712888B2 (en) | Methods and systems for assessing sales activity of a merchant | |
| CN107491973A (en) | Product false proof management system and method | |
| KR20200108066A (en) | Fraud Prevention Device and Method | |
| CA2557132C (en) | Computer-implemented method, system and apparatus for the dynamic verification of a consumer engaged in a transaction with a merchant and authorization of the transaction | |
| EP2845153A1 (en) | Systems and methods for preventing fraudulent purchases | |
| US20160300232A1 (en) | Monitoring assistance device | |
| US20030120777A1 (en) | Forms auditing systems and methods | |
| Smith | Technology advancements for service marketing and quality improvement: multi-firm case study | |
| US20170316411A1 (en) | Transaction verification and authorization | |
| JP2003216804A (en) | Bankruptcy prediction system using qualitative data | |
| CN111986001A (en) | Order financing method, device and system based on block chain | |
| CN113743923A (en) | Merchant cash withdrawal method based on e-commerce platform | |
| KR101587325B1 (en) | Intellectual property right collateral loan method and server performing the same | |
| US7970711B2 (en) | Warranty management system and method | |
| JP2005339281A (en) | Trustworthiness calculating apparatus, trustworthiness calculation method, and program therefor | |
| CN113902553A (en) | Risk identification method and device based on knowledge graph, computer equipment and medium | |
| Kingston | Representing, reasoning and predicting fraud using fraud plans | |
| KR20150050106A (en) | Intellectual property right collateral loan method and server performing the same | |
| WO2013126982A1 (en) | System and method of facilitating payday loans | |
| US20240037571A1 (en) | Classifying fraud instances in completed orders | |
| JP2007188312A (en) | Program, system and method for questionnaire, and program, system and method for contacting card company |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |