CN114331765A

CN114331765A - Online transaction method and system

Info

Publication number: CN114331765A
Application number: CN202210201591.3A
Authority: CN
Inventors: 王磊; 潘林
Original assignee: Beijing Jiaodian Xinganxian Information Technology Co ltd
Current assignee: Beijing Jiaodian Xinganxian Information Technology Co ltd
Priority date: 2022-03-03
Filing date: 2022-03-03
Publication date: 2022-04-12

Abstract

The invention provides an online transaction method and system, which are used for sending project configuration information of a target activity to a mobile terminal for displaying; generating a to-be-processed order and feeding back the to-be-processed order to the mobile terminal according to user information and project configuration information prestored in the mobile terminal; generating a first electronic contract according to the order to be processed and the user information and feeding the first electronic contract back to the mobile terminal; generating a second electronic contract by utilizing the first electronic contract and the signature picture of the target user, and freezing funds in the target bank account of the target user, which are the same as the activity amount, if the house property pre-sale certificate of the target activity is obtained; sending the second electronic contract to a management background for signing to obtain a final electronic contract fed back by the management background; and transferring the frozen funds in the target bank account to the bank account of the house property developer corresponding to the target activity according to the final electronic contract. The user can learn the house purchasing activity information and perform house purchasing operation on line, so that the user experience is improved, and the time of the user is saved.

Description

Online transaction method and system

Technical Field

The invention relates to the technical field of data processing, in particular to an online transaction method and system.

Background

Currently real estate related regulations dictate that a real estate developer must open a market within 10 days of acquiring a pre-sale certificate, and the real estate developer or third party organization cannot collect certified funds to the user before opening the market. In this case, the user needs to pay attention to the opening of the house property developer at any time while participating in the house purchase activity. When the user learns that the house property developer opens the house, the user needs to go to a building selling place to carry out house purchasing operation.

On one hand, however, the user needs to pay attention to the opening situation all the time, and when the user misses or learns the information of the opening of the house property developer later, the house purchasing plan of the user is affected, and the user experience is poor. On the other hand, the user needs to go to the building to purchase the house, which consumes more time.

Disclosure of Invention

In view of this, embodiments of the present invention provide an online transaction method and system, so as to solve the problems of poor user experience, more time consumed by a user, and the like in the current manner in which the user participates in a house purchasing activity.

In order to achieve the above purpose, the embodiments of the present invention provide the following technical solutions:

the first aspect of the embodiment of the invention discloses an online transaction method, which comprises the following steps:

receiving a project browsing instruction which is sent by a mobile terminal and used for browsing a target activity, and sending project configuration information of the target activity to the mobile terminal for displaying, wherein the project configuration information is configured in advance through a management background and at least comprises detailed information of the target activity, activity amount and a payment mode;

receiving a confirmation instruction which is sent by the mobile terminal and used for confirming participation in the target activity, generating a to-be-processed order according to user information of a target user and the project configuration information which are pre-stored in the mobile terminal, and feeding the to-be-processed order back to the mobile terminal for displaying;

responding to an execution instruction which is sent by the mobile terminal and used for executing the to-be-processed order, generating a first electronic contract according to the to-be-processed order and the user information, and feeding the first electronic contract back to the mobile terminal for display, wherein the first electronic contract at least comprises a fund transfer confirmation;

generating a second electronic contract by using the first electronic contract and the signature picture of the target user sent by the mobile terminal, if a property pre-sale certificate of the target activity is obtained, freezing funds in a target bank account of the target user, which are the same as the activity amount, wherein the target bank account is uploaded by the target user through the mobile terminal in advance, the funds in the target bank account are transferred to the target user through a payment mode in the item configuration information, and the property pre-sale certificate is uploaded through the management background in advance;

sending the second electronic contract to the management background for house property developer signing to obtain a final electronic contract fed back by the management background;

and transferring the frozen funds in the target bank account to a house property developer bank account corresponding to the target activity according to the final electronic contract, wherein the house property pre-sale certificate and the house property developer bank account are uploaded through the management background in advance.

Preferably, the generating a second electronic contract by using the first electronic contract and the signature picture of the target user sent by the mobile terminal, and if the house property pre-sale certificate of the target activity is obtained, and the freezing fund with the same amount as the activity amount in the target bank account of the target user includes:

according to the user information, carrying out identity verification on the signature picture of the target user sent by the mobile terminal;

if the signature picture passes the identity authentication, generating a second electronic contract by using the first electronic contract and the signature picture;

and if the house property pre-sale certificate of the target activity is obtained, calling a bank interface, and freezing funds in the target bank account of the target user, which are the same as the activity amount.

Preferably, the responding to the execution instruction sent by the mobile terminal for executing the to-be-processed order generates a first electronic contract according to the to-be-processed order and the user information, and feeds the first electronic contract back to the mobile terminal for display, and the method includes:

responding to an execution instruction which is sent by the mobile terminal and used for executing the order to be processed, and performing identity verification on the target user;

and if the target user passes the identity authentication, generating a first electronic contract according to the to-be-processed order and the user information, and feeding the first electronic contract back to the mobile terminal for display.

Preferably, the transferring the frozen funds in the target bank account to the house property developer bank account corresponding to the target activity according to the final electronic contract includes:

and submitting the final electronic contract and the user information to a bank, so that the bank transfers the frozen funds in the target bank account to the house property developer bank account corresponding to the target activity.

Preferably, the process of acquiring the target bank account includes:

if the card number of the bank card which is sent by the mobile terminal and is opened by the target user in advance is received, taking the card number as the target bank account;

and if an account opening protocol signed by the target user and sent by the mobile terminal is received, calling a bank interface to perform account opening operation according to the user information, and opening the target bank account of the target user.

Preferably, after freezing the fund with the same amount as the activity amount in the target bank account of the target user, the method further includes:

and if a canceling instruction which is sent by the management background and used for canceling the order to be processed is received, calling a bank interface, and unfreezing the frozen fund in the target bank account.

Preferably, the method further comprises the following steps:

and acquiring the orders to be processed of all the target users, sequencing the orders, and sending the sequencing result to the management background for display.

A second aspect of the embodiments of the present invention discloses an online transaction system, including:

the mobile terminal comprises a first receiving unit, a second receiving unit and a display unit, wherein the first receiving unit is used for receiving an item browsing instruction which is sent by the mobile terminal and used for browsing a target activity, and sending item configuration information of the target activity to the mobile terminal for displaying, the item configuration information is configured in advance through a management background, and the item configuration information at least comprises detailed information of the target activity, activity amount and a payment mode;

a second receiving unit, configured to receive a confirmation instruction sent by the mobile terminal and used to confirm participation in the target activity, generate a to-be-processed order according to user information of a target user and the project configuration information, which are pre-stored in the mobile terminal, and feed the to-be-processed order back to the mobile terminal for display;

a generating unit, configured to respond to an execution instruction sent by the mobile terminal and used for executing the to-be-processed order, generate a first electronic contract according to the to-be-processed order and the user information, and feed back the first electronic contract to the mobile terminal for display, where the first electronic contract at least includes a fund transfer confirmation;

the freezing unit is used for generating a second electronic contract by utilizing the first electronic contract and the signature picture of the target user sent by the mobile terminal, freezing funds in a target bank account of the target user, which are the same as the activity amount, if the property pre-sale certificate of the target activity is obtained, wherein the target bank account is uploaded by the target user through the mobile terminal in advance, the funds in the target bank account are transferred to the target user through a payment mode in the project configuration information, and the property pre-sale certificate is uploaded through the management background in advance;

the signing unit is used for sending the second electronic contract to the management background for house property developer signing to obtain a final electronic contract fed back by the management background;

and the transfer unit is used for transferring the frozen funds in the target bank account to the house property developer bank account corresponding to the target activity according to the final electronic contract, and the house property developer bank account is uploaded through the management background in advance.

Preferably, the freezing unit includes:

the verification module is used for verifying the identity of the signature picture of the target user sent by the mobile terminal according to the user information;

the generation module is used for generating a second electronic contract by utilizing the first electronic contract and the signature picture if the signature picture passes the identity authentication;

and the freezing module is used for calling a bank interface and freezing funds in the target bank account of the target user, which are the same as the activity amount, if the house property pre-sale certificate of the target activity is obtained.

Preferably, the generating unit is specifically configured to: responding to an execution instruction which is sent by the mobile terminal and used for executing the order to be processed, and performing identity verification on the target user; and if the target user passes the identity authentication, generating a first electronic contract according to the to-be-processed order and the user information, and feeding the first electronic contract back to the mobile terminal for display.

Based on the above-mentioned online transaction method and system provided by the embodiments of the present invention, the method is: sending the project configuration information of the target activity to the mobile terminal for displaying; generating a to-be-processed order and feeding the to-be-processed order back to the mobile terminal for displaying according to user information and project configuration information of a target user pre-stored in the mobile terminal; responding to an execution instruction which is sent by the mobile terminal and used for executing the order to be processed, generating a first electronic contract according to the order to be processed and the user information, and feeding the first electronic contract back to the mobile terminal for display; generating a second electronic contract by using the first electronic contract and the signature picture of the target user sent by the mobile terminal, and freezing funds in the target bank account of the target user, which are the same as the activity amount, if the house property pre-sale certificate of the target activity is obtained; sending the second electronic contract to a management background for house property developer signing to obtain a final electronic contract fed back by the management background; and transferring the frozen funds in the target bank account to the bank account of the house property developer corresponding to the target activity according to the final electronic contract. The user can learn the house purchasing activity information and perform house purchasing operation on line, so that the user experience is improved, and the time of the user is saved.

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 embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

Fig. 1 is a flowchart of an online transaction method according to an embodiment of the present invention;

FIG. 2 is a flow chart of freezing funds in a target bank account according to an embodiment of the present invention;

fig. 3 is a schematic diagram of a connection and functional architecture between a mobile terminal, a management background, a monitoring platform, and a server according to an embodiment of the present invention;

fig. 4 is a block diagram of an online transaction system according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In this application, 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 an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

As is known in the art, according to the relevant regulations, a property developer must open a market within 10 days of acquiring a pre-sale certificate, and the property developer or a third party organization cannot collect a certified fund for a user before opening the market. When a user participates in house purchasing activities, the user needs to pay attention to the opening condition of a house property developer all the time, and the user needs to go to a building selling place after opening the house property developer to purchase the house property, so that the user experience is poor, and the time consumed by the user is long.

Therefore, the embodiment of the invention provides an online transaction method and system, which are used for sending the project configuration information of the target activity to the mobile terminal for displaying, generating the order to be processed according to the user information and the project configuration information prestored in the mobile terminal, and feeding back the order to be processed to the mobile terminal. And generating a first electronic contract according to the order to be processed and the user information, feeding the first electronic contract back to the mobile terminal, generating a second electronic contract by using the first electronic contract and the signature picture of the target user, and freezing funds, which are the same as the activity amount, in the target bank account of the target user if the house property pre-sale certificate of the target activity is obtained. And sending the second electronic contract to a management background for signing to obtain a final electronic contract fed back by the management background. And transferring the frozen funds in the target bank account to the bank account of the house property developer corresponding to the target activity according to the final electronic contract. The user can learn the house purchasing activity information and perform house purchasing operation on line so as to improve the user experience and save the time of the user.

It should be noted that the online trading method provided by the embodiment of the present invention is suitable for an online trading system (operable on a server), and a property developer and a user (i.e. a customer who needs to purchase a house) perform information interaction with the online trading system in a specified manner, for example: the house property developer performs information interaction with the online trading system through the management background, and the user performs information interaction with the online trading system through the mobile terminal (capable of supporting the WeChat applet). For details, reference is made to the following examples.

Referring to fig. 1, a flowchart of an online transaction method provided by an embodiment of the present invention is shown, where the online transaction method includes:

step S101: and receiving an item browsing instruction which is sent by the mobile terminal and used for browsing the target activity, and sending the item configuration information of the target activity to the mobile terminal for displaying.

It should be noted that, the project configuration information of the target activity is configured in advance through the management background, and the project configuration information at least includes detailed information of the target activity, the activity amount, and the payment method.

It can be understood that the property developer can configure different check-out activities (including target activities) of a certain property item through the management background, and configure item configuration information corresponding to each check-out activity, where the item configuration information at least includes detailed information (including item name, building sale telephone number, activity check-out information, and the like) corresponding to the check-out activities, activity amount (i.e., check-out amount), and payment modes (payment modes such as POS machine transfer-in, online transfer-in, and internet banking transfer-in).

Meanwhile, the house property developer can also select whether to configure (realize by corresponding function keys) the employment advisor corresponding to the qualification testing activity through the management background. Wherein, the business consultant has a corresponding client program, and the functions thereof are as follows: providing the functions of the details of the target activity and contacting the client, etc.

It should be noted that, when the house property developer configures the payment mode through the management background, the house property developer may set a payment mode of only using "transfer to POS", or may set three payment modes of "transfer to POS", "transfer to online", or "transfer to online banking", and the specific implementation process is as follows: and arranging a function key in the management background, wherein the function of the function key is to turn on or turn off the 'POS machine money transfer only' function.

Similarly, when the house property developer configures activity research information through the management background, the activity amount of each different qualification testing activity can be adjusted in real time; a function key can also be arranged, whether the user can modify the activity amount is determined by controlling the on or off of the function key, and when the user can modify the activity amount, the user can modify the activity amount in the verification activity.

In some specific embodiments, a monitoring platform needs to be used in advance to open an account and a password for a property developer, where the account and the password can log in a management background, and the specific opening mode is as follows: the monitoring platform is used for inputting basic information such as telephone, mailbox, name and the like of the house property developer, generating a corresponding account and a corresponding password according to the basic information, sending the account and the password to the house property developer (through the mailbox and/or the telephone), and logging in a management background by the house property developer according to the allocated account and the password.

In the above description, the property developer configures the project configuration information of each qualification testing activity according to the management background, it should be noted that when the property developer establishes the qualification testing activity through the management background, the property developer needs to submit the examination information such as the property pre-sale certificate of the property project through the management background first, and the supervision platform is used to audit the submitted examination information such as the property pre-sale certificate, and only after receiving the instruction fed back by the supervision platform to indicate that the examination passes, the property developer can be allowed to establish the corresponding qualification testing activity through the management background.

In the process of implementing step S101 specifically, the target user may select to browse each verification activity created by the management background through the mobile terminal, specifically, browse through scanning a two-dimensional code corresponding to the verification activity, or browse through clicking a link corresponding to the verification activity, which is not limited herein. And when the mobile terminal browses the target activity by scanning the two-dimensional code of the target activity, receiving an item browsing instruction which is sent by the mobile terminal and used for browsing the target activity, and sending the item configuration information of the target activity to the mobile terminal for displaying.

It should be noted that, a target user needs to log in a mobile terminal by using a pre-registered account and a password (or a mobile phone verification code), when the target user registers the account and the password for logging in the mobile terminal, the target user is required to upload user information, the user information at least includes an identification card photo, and the identification card information (including a name, an identification card number, a certificate expiration date, a pinyin surname, a pinyin name, a certificate address and a certificate issuing authority) of the target user is verified for the identification card photo uploaded by the target user, and only after the target user passes the identification card information verification, the corresponding account and the password are allocated to the target user.

It can be understood that, when the target user uploads the user information through the mobile terminal, the card number of the bank card (the bank card is a bank second-type account) which is opened in advance can be uploaded, that is, the card number of the bank card which is opened in advance by the target user and sent by the mobile terminal is received, and the card number is used as the target bank account. Similarly, if the target user does not upload the card number of the pre-opened second-class bank account, the target user can sign the account opening protocol, and at this time, if the account opening protocol signed by the target user and sent by the mobile terminal is received, the bank interface is called to perform account opening operation (open the second-class bank account) according to the user information, and the target bank account (namely the second-class bank account) of the target user is obtained through opening.

The process of specifically opening the target bank account of the target user is as follows: the user information and the account opening agreement are sent to a designated bank (such as an optical large bank), and the designated bank opens the target bank account for the target user.

Step S102: and receiving a confirmation instruction which is sent by the mobile terminal and used for confirming participation in the target activity, generating a to-be-processed order according to the user information and the project configuration information of the target user which are pre-stored in the mobile terminal, and feeding the to-be-processed order back to the mobile terminal for displaying.

In the process of implementing step S102 specifically, after the mobile terminal displays the project configuration information of the target activity to the target user, the target user may participate in the target activity through the mobile terminal (the target user may select a job advisor and an activity amount of the target activity, and may fill in remark information), at this time, receive a confirmation instruction sent by the mobile terminal for confirming participation in the target activity, generate a to-be-processed order according to the user information of the target user in the mobile terminal and the project configuration information of the target activity, and feed back the to-be-processed order to the mobile terminal for display, where the to-be-processed order includes the user information of the target user and the project configuration information of the target activity, and store the to-be-processed order in the database of the server.

It can be understood that the target user may participate in a plurality of target activities through the mobile terminal, at this time, the pending orders corresponding to each target activity may be generated for a plurality of times, and the remark information filled by the target user may be stored in the database of the server, and the remark information may be used to manage the pending orders corresponding to each target activity.

It should be noted that, the above-mentioned content is that the target user participates in the target activity through the mobile terminal related to the online transaction system of the embodiment of the present invention, and similarly, the target user may also participate in the target activity through the mobile terminal related to another system, and the specific participation mode is: when the target user participates in the target activity through a mobile terminal related to other systems, the other systems send the item number of the target activity and the identity number of the target user to the online trading system of the embodiment of the invention, the online trading system searches the item configuration information of the target activity according to the received item number, and after the identity number of the target user is confirmed to pass verification, the online trading system sends the item configuration information of the target activity to the other systems, and interaction with the other systems is realized.

Step S103: and responding to an execution instruction which is sent by the mobile terminal and used for executing the order to be processed, generating a first electronic contract according to the order to be processed and the user information, and feeding the first electronic contract back to the mobile terminal for display.

It should be noted that the first electronic contract at least includes a fund transfer confirmation, which is used to indicate that the target user agrees to transfer the relevant fund to the property developer.

In the process of specifically implementing step S103, after the to-be-processed order is fed back to the mobile terminal, the target user may view and process the to-be-processed order through the mobile terminal, and when the target user views the to-be-processed order through the mobile terminal, the mobile terminal displays the item configuration information of the target activity to the target user, so that the user confirms the item configuration information of the target activity.

And when the target user determines to execute the order to be processed, sending a mobile phone verification code to the target user, if the mobile phone verification code filled by the target user is determined to be the correct mobile phone verification code, determining that the target user executes the order to be processed, responding to an execution instruction sent by the mobile terminal for executing the order to be processed, generating a first electronic contract according to the order to be processed and user information, feeding the first electronic contract back to the mobile terminal for display, and storing the executed order to be processed into a database.

That is, the mobile terminal responds to an execution instruction sent by the mobile terminal for executing the to-be-processed order, performs identity verification on the target user (in the above mentioned verification method for sending the mobile phone verification code), and if the target user passes the identity verification, generates a first electronic contract according to the to-be-processed order and the user information, and feeds the first electronic contract back to the mobile terminal for display.

It should be noted that, as can be seen from the above, the target user may participate in a plurality of target activities (that is, there are a plurality of pending orders), and the target user may view a plurality of pending orders corresponding to the target user through the mobile terminal and select (click an order number to select) a pending order to be executed.

Step S104: and generating a second electronic contract by utilizing the first electronic contract and the signature picture of the target user sent by the mobile terminal, and freezing funds in the target bank account of the target user, which are the same as the activity amount, if the house property pre-sale certificate of the target activity is obtained.

It should be noted that, as can be seen from the content in the step S101, the target bank account (i.e., the bank class ii account) is uploaded by the target user through the mobile terminal in advance, the funds in the target bank account are transferred from the target user through the payment method in the project configuration information of the target activity, and the house property pre-sale certificate is uploaded by the house property developer through the management background in advance.

That is, the payment method is specified in the project configuration information of the target activity, and the target user can only transfer funds into the target bank account according to the specified payment method. For example: and if the payment mode specified in the project configuration information is POS machine transfer or online banking transfer, the online transaction system inquires out a target bank account and sends the target bank account to the mobile terminal, and the target user needs to transfer funds into the target bank account through the payment mode. If the payment mode specified in the project configuration information is online transfer, the online transaction system calls a bank interface, and the bank transfers the fund into the target bank account by using another bank card bound by the target user.

In some embodiments, the target user may query the balance in the target bank account through the mobile terminal (e.g., a personal hub page), that is, when receiving an instruction sent by the mobile terminal to check the balance of the target bank account, call the bank interface to query the balance of the target bank account and feed the balance back to the mobile terminal for display.

In the process of implementing step S104 specifically, after the first electronic contract is fed back to the mobile terminal, the target user may view and confirm the first electronic contract through the mobile terminal. When the target user determines that the first electronic contract is correct, the target user can sign the name of the user through the signature board of the mobile terminal and upload the signature picture to the online transaction system, and at the moment, the second electronic contract is generated by using the first electronic contract and the signature picture of the target user sent by the mobile terminal.

As can be seen from the content of the step S103, the first electronic contract at least includes a fund transfer confirmation, and after the user signs the first electronic contract, the target user agrees to transfer the relevant fund to the property developer. That is, after the second electronic contract (the first electronic contract signed by the target user) is generated, if the property pre-sale certificate of the target activity is acquired (it is determined that the property developer has uploaded the property pre-sale certificate of the target activity through the management background), information such as the second electronic contract and the property pre-sale certificate is sent to a bank (a bank corresponding to the target bank account), a bank interface is called, and the fund in the target bank account of the target user, which is the same as the activity amount specified by the target activity, is frozen, that is, the target user cannot operate the frozen fund in the target bank account, but the frozen fund is still in the bank account of the target user.

It will be appreciated that the precondition for freezing funds in the target bank account that are the same amount as the activity amount is: the property developer obtains the property pre-sale certificate for the target activity and the target user signs the first electronic contract (i.e., generates the second electronic contract).

It should be noted that before the first electronic contract and the signature picture of the target user are used to generate the second electronic contract, the signature picture needs to be verified by using user information in a picture identification manner, that is, whether the signature picture is the signature of the target user himself needs to be verified, and after the signature picture passes verification, the first electronic contract and the signature picture of the target user are used to generate the second electronic contract, and at the same time, the signature picture is stored in the database.

In some embodiments, the target user may perform cash withdrawal operation on the un-frozen funds in the target bank account through the mobile terminal, and transfer the un-frozen funds in the target bank account into a bank card designated by the target user. In specific implementation, if an instruction for withdrawing the non-frozen funds in the target bank account sent by the mobile terminal is received, a bank interface is called, and the funds to be withdrawn (the non-frozen funds) are transferred from the target bank account to a bank card designated by a target user.

Preferably, after the step S104 is executed to freeze the fund with the same activity amount in the target bank account, the target user may apply for thawing the frozen fund in the target bank account to the property developer through the mobile terminal, and in a specific implementation, if a cancellation instruction for canceling the to-be-processed order sent by the management background is received, the bank interface is invoked to thaw the frozen fund in the target bank account.

Step S105: and sending the second electronic contract to a management background for house property developer signing to obtain a final electronic contract fed back by the management background.

In the process of implementing step S105 specifically, the second electronic contract is sent to the management background for display, and the property developer can check and examine the second electronic contract through the management background and determine whether to sign the second electronic contract. And after the house property developer signs the second electronic contract through the management background, receiving the final electronic contract (the second electronic contract signed by the house property developer) sent by the management platform.

It should be noted that the property developer can view all the order information (including the order of the generated second electronic contract) on the order detail page in the management background, and can select the second electronic contract to be signed according to the actual situation to perform the signing operation of the property developer.

Step S106: and transferring the frozen funds in the target bank account to the bank account of the house property developer corresponding to the target activity according to the final electronic contract.

It should be noted that the house property developer bank account is uploaded through the management background in advance, and the house property developer bank account is the bank account corresponding to the target activity.

In the process of implementing step S106 specifically, the final electronic contract is sent to the monitoring platform, so that the monitoring platform checks the final electronic contract according to the preset checking rule. And after receiving an instruction which is sent by the supervision platform and used for indicating that the final electronic contract passes the audit, submitting the final electronic contract and the user information of the target user to a bank, so that the bank transfers the frozen funds in the target bank account to a house property developer bank account corresponding to the target activity.

In a specific implementation, a list containing user information of a target user can be derived, the list and a final electronic contract corresponding to the target user are submitted to a bank together, and the bank transfers the frozen funds in the target bank account to a house property developer bank account corresponding to a target activity.

The term "transfer" means: and transferring the frozen funds in the target bank account into a pair of public accounts, namely the bank account of the real estate developer.

Preferably, a signing time limit can be set for specifying that the final electronic contract is obtained within the signing time limit and stored in the database. And when receiving an instruction sent by any one of the requesters (the management background, the mobile terminal or the supervision platform) for downloading the final electronic contract, sending the final electronic contract to the requesters.

It should be noted that different target users correspond to different orders to be processed, and a plurality of orders to be processed (which may correspond to different target activities) may exist for the same target user, and each successfully executed order to be processed (the order that can finally complete the frozen amount transfer) relates to a corresponding transaction amount (the amount transferred to the bank account of the house property developer), so that the house property developer can better manage, preferably, the orders to be processed of all the target users are obtained, all the orders to be processed are sorted according to the orders and the dimensions of the users, and a sorting result is sent to the management background for display.

That is, the house property developer can intuitively know the execution condition and the transaction amount of each order to be processed through the sequencing results of all the orders to be processed displayed by the management background.

Meanwhile, according to the execution condition and the transaction amount of all the orders to be processed, the sales condition of each target activity is determined and fed back to the management background for display, so that a house property developer can visually know the sales conditions corresponding to different target activities.

In the embodiment of the invention, the project configuration information of the target activity is sent to the mobile terminal for displaying, and the order to be processed is generated and fed back to the mobile terminal according to the user information and the project configuration information which are prestored in the mobile terminal. And generating a first electronic contract according to the order to be processed and the user information, feeding the first electronic contract back to the mobile terminal, generating a second electronic contract by using the first electronic contract and the signature picture of the target user, and freezing funds, which are the same as the activity amount, in the target bank account of the target user if the house property pre-sale certificate of the target activity is obtained. And sending the second electronic contract to a management background for signing to obtain a final electronic contract. And transferring the frozen funds in the target bank account to the bank account of the house property developer corresponding to the target activity according to the final electronic contract. The user can learn the house purchasing activity information and perform house purchasing operation on line, so that the user experience is improved, and the time of the user is saved.

In the above embodiment of the present invention, referring to fig. 2, a process of freezing funds in the target bank account of the target user that is the same as the activity amount mentioned in step S104 in fig. 1 is shown as a flowchart of freezing funds in the target bank account, which is provided by the embodiment of the present invention, and includes:

step S201: and according to the user information, carrying out identity verification on the signature picture of the target user sent by the mobile terminal.

In the process of implementing step S201 specifically, the signature picture of the target user sent by the mobile terminal is subjected to picture recognition, and it is determined whether the picture recognition result is consistent with the user information of the target user. And if the images are consistent, determining that the signature images pass the identity authentication, and if the images are not consistent, determining that the signature images do not pass the identity authentication.

Step S202: and if the signature picture passes the identity authentication, generating a second electronic contract by using the first electronic contract and the signature picture.

In the process of implementing step S202 specifically, if the signature picture of the target user passes the identity authentication, the first electronic contract is signed by using the signature picture to obtain a second electronic contract, where the second electronic contract is the contract signed by the target user on the first electronic contract.

Step S203: and if the house property pre-sale certificate of the target activity is obtained, calling a bank interface, and freezing the fund with the same amount as the activity amount in the target bank account of the target user.

The precondition for freezing the funds in the target bank account that are the same as the activity amount is: the target user has signed the first electronic contract (i.e., acquired the second electronic contract) and the property developer has uploaded the property pre-sale for the target activity. In the process of implementing step S203, if the property pre-sale certificate of the target activity is obtained, the property pre-sale certificate and the second electronic contract are sent to the bank, and the bank interface is invoked to freeze the fund in the target bank account of the target user, which is the same as the activity amount.

In the embodiment of the invention, the target user performs identity verification on the signature picture of the target user sent by the mobile terminal while signing the first electronic contract. And only after the signature picture passes the verification, signing the first electronic contract by using the signature picture to obtain a second electronic contract fed back by the management background, and further freezing the fund with the same activity amount in the target bank account of the target user on the premise of obtaining the house property pre-sale certificate of the target activity, so that the compliance and the accuracy of the fund with the same activity amount in the frozen target bank account are ensured.

As can be seen from the contents in fig. 1 in the embodiment of the present invention, the mobile terminal, the management background, and the monitoring platform have multiple functions, and corresponding information interaction processes exist among the mobile terminal, the management background, the monitoring platform, and the online transaction system, and the functions of the mobile terminal, the management background, and the monitoring platform, and the connection architecture among the mobile terminal, the management background, the monitoring platform, and the online transaction system are illustrated through the contents shown in fig. 3, and it should be noted that the server in fig. 3 is the online transaction system in the embodiment of the present invention.

Referring to fig. 3, a schematic diagram illustrating a connection and functional architecture between a mobile terminal, a management background, a monitoring platform, and a server according to an embodiment of the present invention is shown, where the schematic diagram includes: a management background 100, a server 200 (i.e. an online transaction system according to an embodiment of the present invention), a mobile terminal 300, and a supervision platform 400.

The server 200 is connected to the management background 100, the mobile terminal 300 and the supervision platform 400, and the functions of the management background 100, the mobile terminal 300 and the supervision platform 400 are described below with reference to the contents shown in the steps in fig. 1 in the embodiment of the present invention.

First, a description is given of functions provided in the management background 100.

The functions of management backend 100 include, but are not limited to: the system comprises a home page function module, a project management function module, a user management function module, a transfer management function module, an order management module and a job-placement consultant function module.

Home page function module: the brief data statistics of all activities in the whole are displayed in a front page of a management background, the brief data statistics show the related data of the participation situation of the activities of this day (equivalent to research), the progress process of the activities and the participation situation of historical activities, and the related data are respectively: the number of newly added users and the total amount frozen today, the number of users and the total amount frozen in the process of activity progress, and the number of users and the total amount frozen in the historical activity participation situation.

The project management function module: the method is used for configuring different qualification testing activities in a certain project and configuring project configuration information corresponding to each qualification testing activity.

A place consultant function module: for adding a place consultant and selecting whether to present the place consultant.

An order management module: order information used for displaying the order to be processed comprises the following steps: order number, user name, phone, identification number, campaign amount, target campaign name, place consultant, and a button to unfreeze the frozen funds. The types of orders to be processed are: pending orders in execution (i.e. orders in credit), pending orders cancelled (i.e. orders that have thawed frozen funds), pending orders completed executed (i.e. orders that have transferred frozen funds to a property developer bank account), pending orders refunded (orders that return received funds to the user).

A user management function module: for presenting user information of users participating in the activity and may provide functionality for deriving user lists.

A transfer management function module: used for uploading house property pre-sale certificates and government public pictures.

Second, a description is given of functions provided in the mobile terminal 300.

The functions of the mobile terminal 300 include, but are not limited to: the system comprises a login function module, an account opening function module, a fund transfer-in function module, an activity participation function module and a personal center function module.

A login function module: the user inputs an account and a password (or an authentication code) through the login function module, and logs in the mobile terminal 300.

An account opening function module: the user uploads the related information of the identity card to the server through the account opening function module, and uploads the professional information, the e-mail box, the bank card number, the bank card reserved mobile phone number, the verification code and other information filled by the user to the server.

And the fund transfer function module: and the user transfers the fund into the target bank account in a payment mode in the project configuration information through the fund transfer function module.

The activity participation function module: and the user utilizes the activity participation functional module to scan the two-dimensional code corresponding to the target activity and determines to participate in the target activity. Meanwhile, the activity participation function module displays the balance of the electronic account of the target user, the available balance, project configuration information, a service consultant and the like.

Personal central function module: the user can access the personal center page by using the personal center function module, the personal center page displays the total amount and the non-frozen amount in the target bank account of the user, and provides a function of cashing the non-frozen amount in the target bank account. A user can enter a historical order page by utilizing the personal center function module, the historical order page provides the order state of each order to be processed, and simultaneously provides the functions of contacting a employment consultant corresponding to each order to be processed and signing a first electronic contract corresponding to the order to be processed; when signing the first electronic contract, the user transfers to a designated interface, inputs the verification code and can sign the first electronic contract after verification. The user can fill in the remark information of each order to be processed by utilizing the personal center function module. The user can enter a personal information page by utilizing the personal center function module, the name, the identification number, the account information of the target bank account and the like of the user can be displayed in the personal information page, and the function of replacing the target bank account is provided.

Third, description of functions provided by the administration platform 400.

The supervisory platform 400 is used to audit material provided by the property developer and to monitor the performance of pending orders.

Corresponding to the above-mentioned online transaction method provided by the embodiment of the present invention, referring to fig. 4, the embodiment of the present invention further provides a structural block diagram of an online transaction system, where the online transaction system includes: a first receiving unit 401, a second receiving unit 402, a generating unit 403, a freezing unit 404, a signing unit 405, and a transferring unit 406;

the first receiving unit 401 is configured to receive an item browsing instruction sent by the mobile terminal and used for browsing the target activity, and send item configuration information of the target activity to the mobile terminal for displaying, where the item configuration information is configured in advance through a management background, and the item configuration information at least includes detailed information of the target activity, an activity amount, and a payment method.

The second receiving unit 402 is configured to receive a confirmation instruction sent by the mobile terminal for confirming participation in the target activity, generate a to-be-processed order according to user information and project configuration information of a target user pre-stored in the mobile terminal, and feed back the to-be-processed order to the mobile terminal for display.

The generating unit 403 is configured to generate, in response to an execution instruction sent by the mobile terminal and used for executing the to-be-processed order, a first electronic contract according to the to-be-processed order and the user information, and feed back the first electronic contract to the mobile terminal for display, where the first electronic contract at least includes a fund transfer confirmation.

In a specific implementation, the generating unit 403 is specifically configured to: responding to an execution instruction which is sent by the mobile terminal and used for executing the order to be processed, and performing identity verification on the target user; and if the target user passes the identity authentication, generating a first electronic contract according to the order to be processed and the user information, and feeding the first electronic contract back to the mobile terminal for display.

The freezing unit 404 is configured to generate a second electronic contract by using the first electronic contract and the signature picture of the target user sent by the mobile terminal, and freeze funds in a target bank account of the target user, which are the same as the activity amount, if a property pre-sale certificate of the target activity is obtained, the target bank account is uploaded by the target user through the mobile terminal in advance, the funds in the target bank account are transferred from the target user through a payment method in the item configuration information, and the property pre-sale certificate is uploaded through the management background in advance.

In a specific implementation, the freezing unit 404 for acquiring the target bank account is specifically configured to: if the card number of the bank card which is sent by the mobile terminal and is opened by the target user in advance is received, the card number is used as the target bank account; and if an account opening protocol signed by the target user and sent by the mobile terminal is received, calling a bank interface to perform account opening operation according to the user information, and opening the target bank account of the target user.

And the signing unit 405 is configured to send the second electronic contract to the management background for signing by the property developer, so as to obtain a final electronic contract fed back by the management background.

And the transfer unit 406 is configured to transfer the frozen funds in the target bank account to the house property developer bank account corresponding to the target activity according to the final electronic contract, where the house property developer bank account is uploaded through the management background in advance.

In a specific implementation, the scaling unit 406 is specifically configured to: and submitting the final electronic contract and the user information to a bank, so that the bank transfers the frozen funds in the target bank account to the bank account of the house property developer corresponding to the target activity.

In the embodiment of the invention, the project configuration information of the target activity is sent to the mobile terminal for displaying, and the order to be processed is generated and fed back to the mobile terminal according to the user information and the project configuration information which are prestored in the mobile terminal. And generating a first electronic contract according to the order to be processed and the user information, feeding the first electronic contract back to the mobile terminal, generating a second electronic contract by using the first electronic contract and the signature picture of the target user, and freezing funds, which are the same as the activity amount, in the target bank account of the target user if the house property pre-sale certificate of the target activity is obtained. And sending the second electronic contract to a management background for signing to obtain a final electronic contract fed back by the management background. And transferring the frozen funds in the target bank account to the bank account of the house property developer corresponding to the target activity according to the final electronic contract. The user can learn the house purchasing activity information and perform house purchasing operation on line, so that the user experience is improved, and the time of the user is saved.

Preferably, in conjunction with the content shown in fig. 4, the freezing unit 404 includes: the device comprises a verification module, a generation module and a freezing module, wherein the execution principle of each module is as follows:

and the verification module is used for verifying the identity of the signature picture of the target user sent by the mobile terminal according to the user information.

And the generating module is used for generating a second electronic contract by using the first electronic contract and the signature picture if the signature picture passes the identity authentication.

In the embodiment of the invention, the target user performs identity verification on the signature picture of the target user sent by the mobile terminal while signing the first electronic contract. And only after the signature picture passes the verification, the signature picture is utilized to sign the first electronic contract to obtain a second electronic contract, and then the fund with the same activity amount in the target bank account of the target user is frozen on the premise of obtaining the house property pre-sale certificate of the target activity, so that the compliance and the accuracy of the fund with the same activity amount in the frozen target bank account are ensured.

Preferably, in conjunction with the content shown in fig. 4, the online transaction system further includes:

and the unfreezing unit is used for calling a bank interface and unfreezing the frozen fund in the target bank account if a canceling instruction which is sent by the management background and used for canceling the order to be processed is received.

and the sequencing unit is used for acquiring the orders to be processed of all the target users, sequencing the orders and sending the sequencing result to the management background for display.

In summary, embodiments of the present invention provide an online transaction method and system, where the item configuration information of the target activity is sent to the mobile terminal for displaying, and a to-be-processed order is generated and fed back to the mobile terminal according to the user information and the item configuration information pre-stored by the mobile terminal. And generating a first electronic contract according to the order to be processed and the user information, feeding the first electronic contract back to the mobile terminal, generating a second electronic contract by using the first electronic contract and the signature picture of the target user, and freezing funds, which are the same as the activity amount, in the target bank account of the target user if the house property pre-sale certificate of the target activity is obtained. And sending the second electronic contract to a management background for signing to obtain a final electronic contract fed back by the management background. And transferring the frozen funds in the target bank account to the bank account of the house property developer corresponding to the target activity according to the final electronic contract. The user can learn the house purchasing activity information and perform house purchasing operation on line, so that the user experience is improved, and the time of the user is saved.

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

Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. An online transaction method, the method comprising:

2. The method according to claim 1, wherein the generating a second electronic contract by using the first electronic contract and the signature picture of the target user sent by the mobile terminal, and if a house property pre-sale certificate of the target activity is obtained and a fund in a target bank account of the target user, which is the same as the activity amount, is frozen, comprises:

3. The method according to claim 1, wherein the generating a first electronic contract according to the to-be-processed order and the user information in response to the execution instruction sent by the mobile terminal for executing the to-be-processed order and feeding back the first electronic contract to the mobile terminal for display comprises:

4. The method according to claim 1, wherein transferring the frozen funds in the target bank account to the property developer bank account corresponding to the target activity according to the final electronic contract comprises:

5. The method of claim 1, wherein obtaining the target bank account comprises:

6. The method of claim 1, wherein after freezing funds in the target bank account of the target user that are the same as the activity amount, further comprising:

7. The method of claim 1, further comprising:

8. An online transaction system, the system comprising:

9. The system of claim 8, wherein the freezing unit comprises:

10. The system according to claim 8, wherein the generating unit is specifically configured to: responding to an execution instruction which is sent by the mobile terminal and used for executing the order to be processed, and performing identity verification on the target user; and if the target user passes the identity authentication, generating a first electronic contract according to the to-be-processed order and the user information, and feeding the first electronic contract back to the mobile terminal for display.