CN115545925A - E-commerce transaction data processing method, device, readable storage medium and transaction system - Google Patents

E-commerce transaction data processing method, device, readable storage medium and transaction system Download PDF

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CN115545925A
CN115545925A CN202211253193.2A CN202211253193A CN115545925A CN 115545925 A CN115545925 A CN 115545925A CN 202211253193 A CN202211253193 A CN 202211253193A CN 115545925 A CN115545925 A CN 115545925A
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commerce
buyer
data
account
terminal
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金翔
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China Steel Yintong Electronic Commerce Co ltd
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China Steel Yintong Electronic Commerce Co ltd
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    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q40/06—Asset management; Financial planning or analysis

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Abstract

The invention provides a method, equipment, readable storage medium and transaction system for processing E-commerce transaction data, which combine a purchase program flow and a fund processing program flow, so that an E-commerce platform can provide not only purchase and sale services but also financial services, thereby realizing one-stop transaction, financing and repayment functions of bulk commodities, and a buyer can carry out purchase, financing and repayment operations only through the E-commerce platform, thereby simplifying the operation of the buyer.

Description

E-commerce transaction data processing method, device, readable storage medium and transaction system
Technical Field
The invention belongs to the technical field of transaction data processing, and particularly relates to an e-commerce transaction data processing method, e-commerce transaction data processing equipment, a readable storage medium and a transaction system.
Background
For bulk commodities, such as steel products, when the funds of a buyer are weak, financing is often required to a bank, the current bulk commodity e-commerce platform only can provide the buying and selling services of bulk commodities for buyers and sellers, and the buyer can carry out purchasing operation through the e-commerce platform, but the e-commerce platform cannot provide financial services for the buyer, so that the buyer needs to carry out purchasing operation through the e-commerce platform and also needs to carry out financing and repayment operation through bank online banking, which is very inconvenient.
Disclosure of Invention
Based on the above, the technical problem is solved by providing an e-commerce transaction data processing method, device, readable storage medium and transaction system.
The technical scheme adopted by the invention is as follows:
as a first aspect of the present invention, there is provided an e-commerce transaction data processing method, including:
a first account corresponding to an e-commerce and a second account corresponding to a user are set on a transaction platform and a payment platform of the e-commerce;
receiving a purchase request for a specified commodity sent by a buyer terminal, wherein the purchase request comprises the purchase quantity of the specified commodity;
generating first data according to the purchase request, and sending the first data to the buyer terminal, wherein the first data comprises financing contract information agreed among a buyer, an e-commerce and a bank and access address information for the buyer terminal to enter a borrowing interface of a bank system to draft a loan contract, and the financing contract information comprises the total amount of specified commodities, the pre-payment amount of the buyer and the financing amount and interest rate of the bank, which are calculated according to the purchase quantity and the unit price;
determining whether the first account receives a prepayment paid by a buyer according to the financing contract information and a debit issued by a bank according to the borrowing contract, and if the prepayment and the debit are received, transferring accounts of the seller of the specified commodity through the first account;
receiving a goods picking request for the specified goods sent by a buyer terminal, wherein the goods picking request comprises the goods picking quantity of the specified goods;
generating second data according to the goods withdrawal request, and sending the second data to the buyer terminal, wherein the second data comprises principal, bank interest and e-commerce service charge calculated according to the goods withdrawal quantity, the unit price and the interest rate;
and receiving and responding to a payment request sent by a buyer terminal, transferring the principal and the bank interest part to a bank from a second account of the buyer according to the second data, and transferring the e-commerce service charge part to the first account.
As a second aspect of the present invention, there is provided an e-commerce terminal device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement the e-commerce transaction data processing method of the first aspect.
As a third aspect of the present invention, there is provided a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the above-described e-commerce transaction data processing method of the first aspect.
As a fourth aspect of the present invention, there is provided a transaction system comprising:
the electronic commerce terminal device of the second aspect;
a seller terminal configured to: responding to the operation of a user, and sending a commodity release request to the E-commerce terminal equipment;
a buyer terminal for: responding to the operation of a user, and sending a purchase request for a specified commodity to the E-commerce terminal equipment, wherein the purchase request comprises the purchase quantity of the specified commodity; receiving first data sent by the E-commerce terminal equipment, and displaying the first data; sending a goods picking request for the specified goods to the E-commerce terminal equipment, wherein the goods picking request comprises the quantity of the specified goods; receiving second data sent by the E-commerce terminal equipment; and responding to the operation of the user, and sending a payment request to the e-commerce terminal equipment.
The invention combines the purchasing program flow and the fund processing program flow, so that the e-commerce platform can not only provide purchasing and selling services, but also provide financial services, realize one-stop transaction, financing and repayment functions, and the buyer can perform purchasing, financing and repayment operations only through the e-commerce platform, thereby simplifying the operation of the buyer, the buyer does not need to perform financing and repayment through bank online banking by oneself, the experience is good, and in addition, because the fund processing is completed by the e-commerce platform, the e-commerce platform can also obtain profits from the transaction.
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The invention is described in detail below with reference to the following figures and embodiments:
FIG. 1 is a flow chart of a method for processing E-commerce transaction data according to the present invention;
FIG. 2 is a schematic diagram of a transaction system according to the present invention;
FIG. 3 is a flow chart of the merchandise transaction of the present invention;
fig. 4 is a block diagram of the structure of the e-commerce terminal device of the present invention.
Detailed Description
The embodiments of the present invention will be described below with reference to the drawings. It should be noted that the embodiments mentioned in the present description are not exhaustive and do not represent the only embodiments of the present invention. The following examples are given for the purpose of clearly illustrating the inventive contents of the present patent application and are not intended to limit the embodiments thereof. It will be apparent to those skilled in the art that various changes and modifications can be made in the embodiment without departing from the spirit and scope of the invention, and it is intended to cover all such changes and modifications as fall within the true spirit and scope of the invention.
As shown in fig. 2, the method is applied to an e-commerce terminal device 110, the e-commerce terminal device 110 provides a transaction platform for a buyer and a seller to trade a large quantity of commodities, such as steel products, the seller can issue the commodities on the transaction platform through a seller terminal 120, the buyer can browse commodity selling information on the transaction platform through a buyer terminal 130 and specify the commodities desired to be purchased, the e-commerce terminal device 110 further provides a payment platform for fund processing, and the seller terminal 120 and the buyer terminal 130 can be mobile phones, computers, or the like.
Fig. 1 shows a flowchart of a method according to an embodiment of the present disclosure, and for ease of understanding, fig. 3 shows a flow of a steel coil transaction, and with reference to fig. 1 and fig. 3, a specific flow of the method according to the embodiment of the present disclosure is as follows:
s101, the E-commerce terminal device 110 sets a first account corresponding to the E-commerce and a second account corresponding to the user on a transaction platform and a payment platform of the E-commerce terminal device.
The e-commerce terminal device 110 may open a first account, which can be commonly used on the transaction platform and the payment platform, for the e-commerce and open a second account, which can be commonly used on the transaction platform and the payment platform, for the user, or the e-commerce terminal device 110 may open a first account on the transaction platform and a first account on the payment platform for the e-commerce and associate the two first accounts, open a second account on the transaction platform and a second account on the payment platform for the user, and associate the two second accounts.
Wherein, the buyer and the seller are users of the transaction platform and the payment platform.
S102, after the seller sends a commodity publishing request to the e-commerce terminal 110 through the seller terminal 120, the e-commerce terminal 110 receives the commodity publishing request sent by the seller terminal 120, publishes the commodity specified by the seller on the transaction platform, and associates the commodity with the second account of the seller.
S103, after the buyer sends a purchase request for the specified commodity to the e-commerce terminal 110 through the buyer terminal 130, the e-commerce terminal 110 receives the purchase request for the specified commodity sent by the buyer terminal 130, where the purchase request includes the purchase quantity of the specified commodity.
S104, the E-commerce terminal device 110 generates first data according to the purchase request and sends the first data to the buyer terminal 130.
The first data includes financing contract information agreed among the buyer, the e-commerce and the bank and access address information for the buyer terminal 130 to enter a borrowing interface of the bank system to draft a borrowing contract.
The financing contract information may agree to: the total amount of the specified goods, the prepaid amount of the buyer, the financing amount of the bank and the interest rate, for example, 20% of the prepaid total amount of the buyer, and 80% of the total amount of the bank financing amount, the e-commerce device 110 may calculate the total amount according to the purchase quantity and the unit price.
In a preferred embodiment, the first data is first checked by the e-commerce and bank auditors, respectively, for example, the e-commerce auditor checks whether the commodity value is in a normal interval, the bank auditor checks the repayment capability of the buyer, and the like, the e-commerce terminal device 110 obtains the checking results of the e-commerce and the bank on the first data, if the checking results of the e-commerce and the bank on the first data are both passed, the first data is sent to the buyer terminal 130, otherwise, the first data is not sent.
The buyer terminal 130 receives the first data and then displays the first data to the buyer, and the buyer pays a prepayment to the first account after agreeing on the agreement in the financing contract information, if the buyer user can use the buyer terminal 120 to complete the payment, which is not limited herein.
For the access address information, the buyer terminal 130 may display the address to the buyer in a link manner, and the buyer clicks the link to enable the buyer terminal 130 to enter a borrowing interface of the banking system, so as to draft a borrowing contract, and also display the borrowing contract in a two-dimensional code manner, and the buyer scans the code through a mobile phone and then enters the borrowing interface of the banking system.
After the borrowing contract draft is finished, the bank system can distribute the borrowing to the first account.
S105, the E-commerce terminal device 110 determines whether the first account receives advance payment paid by the buyer according to the financing contract information and debit sent by the bank according to the debit contract, if yes, the first account transfers the money to a collection account of the seller of the specified commodity, and the seller is paid with the total amount of the contract.
Wherein the payment account of the seller may be a second account of the seller. The seller receives the money and then handles the right transfer of the appointed goods.
And S106, after the account is transferred to the collection account of the seller of the specified commodity, the e-commerce terminal device 110 disassociates the specified commodity from the second account of the corresponding seller and associates the specified commodity with the second account of the corresponding buyer, so that the buyer can be used as the seller to sell the commodity on the transaction platform.
After the buyer obtains the payment from the next house, the payment can be paid to the corresponding second account. If the specified goods are associated with the second account of the buyer, the buyer can sell the goods in the transaction platform as the seller, and the collection account can use the second account on the transaction platform, so that the next payment for the goods can be paid to the second account by the e-commerce terminal device 110.
S107, after receiving the next goods payment, the buyer sends a goods picking request for the specified goods to the E-commerce terminal device 110 through the buyer terminal 130, and the E-commerce terminal device 110 receives the goods picking request sent by the buyer terminal 130, wherein the goods picking request comprises the goods picking quantity of the specified goods.
And S108, the E-commerce terminal device 110 generates second data according to the goods-withdrawal request and sends the second data to the buyer terminal 130, wherein the second data comprises principal, bank interest and E-commerce service charge which are calculated according to the goods-withdrawal quantity, the unit price and the interest rate.
The buyer terminal 130 receives the second data, displays the second data to the buyer, and sends a payment request to the e-commerce terminal 110 through the buyer terminal 130 after the buyer confirms the second data.
And S109, the E-commerce terminal device 110 receives and responds to the payment request sent by the buyer terminal 130, transfers the principal and the bank interest part to the bank from the second account of the buyer according to the second data, and transfers the E-commerce service charge part to the first account.
It can be seen from the above that, the method of the embodiment of the present specification combines the purchase program flow and the fund processing program flow, so that the e-commerce platform can not only provide the purchase and sale services, but also provide the financial services, and realize one-stop transaction, financing and repayment functions of bulk goods, and the buyer can perform the purchase, financing and repayment operations only through the e-commerce platform, thereby simplifying the operation of the buyer, the buyer does not need to perform financing and repayment through bank online banking by himself, and the experience is good.
Based on the same concept, fig. 4 shows a schematic block diagram of a structure of an e-commerce terminal device provided in an embodiment of the present specification.
Illustratively, the e-commerce terminal device includes a memory 11, a processor 12 and a computer program stored on the memory 11 and operable on the processor 12, and the processor 12 implements the steps according to various exemplary embodiments of the present invention described in the above-mentioned e-commerce transaction data processing method section when executing the computer program.
It should be understood that the processor 12 may be a Central Processing Unit (CPU), and that the processor 12 may be other general purpose processors, digital Signal Processors (DSPs), application Specific Integrated Circuits (ASICs), field Programmable Gate Arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Wherein a general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The e-commerce arrangement may further comprise a communication interface 13 for communicating with the user equipment.
Also provided in embodiments of the present specification is a computer-readable storage medium having stored thereon a computer program, which when executed by a processor, performs the steps according to various exemplary embodiments of the present invention described in the above-mentioned part of the electronic commerce transaction data processing method.
It will be understood by those of ordinary skill in the art that all or some of the steps of the methods, systems, functional modules/units in the devices disclosed above may be implemented as software, firmware, hardware, and suitable combinations thereof. In a hardware implementation, the division between functional modules/units mentioned in the above description does not necessarily correspond to the division of physical components; for example, one physical component may have multiple functions, or one function or step may be performed by several physical components in cooperation. Some or all of the physical components may be implemented as software executed by a processor, such as a central processing unit, digital signal processor, or microprocessor, or as hardware, or as an integrated circuit, such as an application specific integrated circuit. Such software may be distributed on computer readable storage media, which may include computer readable storage media (or non-transitory media) and communication media (or transitory media).
The term computer-readable storage medium includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules or other data, as is well known to those of ordinary skill in the art. Computer-readable storage media includes, but is not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital Versatile Disks (DVD) or other optical disk storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can be accessed by a computer. In addition, communication media typically embodies computer readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism and includes any information delivery media as known to those skilled in the art.
Illustratively, the computer-readable storage medium may be an internal storage unit of the electronic business end device of the foregoing embodiment, such as a hard disk or a memory of the electronic device. The computer readable storage medium may also be an external storage device of the e-commerce device, such as a plug-in hard disk, a smart card (SMC), a Secure Digital (SD) card, a flash card (FlashCard), and the like provided on the e-commerce device.
It can be seen that the e-commerce terminal device and the computer readable storage medium provided in the foregoing embodiments combine the purchase program flow and the fund processing program flow, so that the e-commerce platform can provide not only the purchase and sale service but also the financial service, thereby realizing one-stop transaction, financing and repayment functions for bulk commodities, and the buyer can perform the purchase, financing and repayment operations only through the e-commerce platform, thereby simplifying the operation of the buyer, and the buyer does not need to perform financing and repayment through bank banking, and the experience is good.
Based on the same concept, as shown in fig. 2, an embodiment of the present specification further provides a transaction system, including:
the e-commerce premises equipment 110 in the above embodiments.
A seller terminal 120 for: in response to the user's operation, a commodity issuing request is sent to the electronic commerce side device 110.
A buyer terminal 130 for:
in response to the user's operation, a purchase request for a specified commodity is sent to the e-commerce terminal 110, the purchase request including a purchase quantity of the specified commodity.
And receiving the first data sent by the e-commerce terminal device 110, and displaying the first data.
A pick-up request for the specified goods is sent to the e-commerce premises equipment 110, the pick-up request including the quantity of the specified goods.
And receiving second data sent by the E-commerce terminal equipment.
In response to the user's operation, a payment request is sent to the e-commerce premises equipment 110.
As shown in fig. 1 and fig. 3, the transaction process of the transaction system of the embodiment of the present specification is as follows:
1. the e-commerce terminal device 110 sets a first account corresponding to the e-commerce and a second account corresponding to the user on both the transaction platform and the payment platform.
The e-commerce terminal device 110 may open a first account, which can be commonly used on the transaction platform and the payment platform, for the e-commerce and open a second account, which can be commonly used on the transaction platform and the payment platform, for the user, or the e-commerce terminal device 110 may open a first account on the transaction platform and a first account on the payment platform for the e-commerce and associate the two first accounts, open a second account on the transaction platform and a second account on the payment platform for the user, and associate the two second accounts.
Wherein, the buyer and the seller are both users of the transaction platform.
2. The seller sends an article issuance request to the electronic commerce terminal 110 through the seller terminal 120.
3. The e-commerce terminal 110 receives the goods publishing request sent by the seller terminal 120, publishes the goods designated by the seller on the transaction platform, and associates the goods with the second account of the seller, so that the buyer can be used as the seller to sell the goods on the transaction platform.
4. The purchaser transmits a purchase request for a specified commodity to the electronic commerce side equipment 110 through the purchaser terminal 130.
5. The e-commerce terminal 110 receives a purchase request for the specified goods sent by the buyer terminal 130, wherein the purchase request includes the purchase quantity of the specified goods.
6. The e-commerce terminal 110 generates the first data according to the purchase request.
7. The first data is first checked by the auditors of the e-commerce and the bank, the e-commerce terminal device 110 obtains the checking results of the e-commerce and the bank on the first data, if the checking results of the e-commerce and the bank on the first data are both passed, the first data is sent to the buyer terminal 130, otherwise, the first data is not sent.
The first data includes financing contract information agreed among the buyer, the e-commerce and the bank and access address information for the buyer terminal 130 to enter a borrowing interface of the bank system to draft a borrowing contract.
The financing contract information may have agreed: the total amount of the specified goods, the prepaid amount of the buyer, the financing amount and interest rate of the bank, for example, 20% of the prepaid total amount of the buyer, and 80% of the financing amount of the bank, the total amount can be calculated by the e-commerce terminal device 110 according to the purchase amount and the unit price.
8. The buyer terminal 130 receives the first data and then displays the first data to the buyer, and the buyer pays a prepayment to the first account without disagreement with the agreement in the financing contract information, if the buyer user can complete the payment by using the buyer terminal 120, the payment is not limited herein.
For the access address information, the buyer terminal 130 may show the address to the buyer in a link manner, and the buyer clicks the link to make the buyer terminal 130 enter a borrowing interface of the banking system, so as to draft a borrowing contract, and the buyer terminal 130 may also show in a two-dimensional code manner, and the buyer scans the code through a mobile phone and enters the borrowing interface of the banking system.
9. After the borrowing contract draft is finished, the bank system can distribute the borrowing to the first account.
10. The e-commerce terminal 110 determines whether the first account receives the advance payment paid by the buyer according to the financing contract information and the debit issued by the bank according to the debit contract, and if both are received, transfers the money to the collection account of the seller of the specified commodity through the first account, and pays the seller with the total amount of the contract.
Wherein the payment account of the seller may be a second account of the seller.
11. The seller receives the money and handles the right transfer of the appointed goods.
12. After transferring the account to the collection account of the seller of the specified commodity, the e-commerce terminal 110 disassociates the specified commodity from the second account of the corresponding seller and associates the specified commodity with the second account of the corresponding buyer.
After the buyer obtains the payment from the next house, the payment can be paid to the corresponding second account. After the specified goods are associated with the second account of the buyer, the buyer can sell the goods in the transaction platform as the seller, and the payment account can use the second account on the transaction platform, so that the next payment for the goods can be paid to the second account by the e-commerce terminal 110.
13. After receiving the payment for the next commodity, the buyer sends a delivery request for the specified commodity to the e-commerce terminal 110 through the buyer terminal 130.
14. The e-commerce facility 110 receives a pick-up request including a pick-up quantity of a specified item.
15. The e-commerce terminal device 110 generates second data including principal, bank interest, and e-commerce service charge calculated according to the quantity of the goods to be picked, the unit price, and the interest rate, according to the goods pick-up request, and transmits the second data to the purchaser terminal 130.
16. After receiving the second data, the buyer terminal 130 presents the second data to the buyer, and after the buyer confirms the second data, the buyer terminal 130 sends a payment request to the e-commerce terminal 110.
17. The e-commerce terminal 110 receives and responds to the payment request sent by the buyer terminal 130, transfers the principal and the bank interest part to the bank from the second account of the buyer according to the second data, and transfers the e-commerce service charge part to the first account.
It can be seen that, the transaction system of the embodiment of the present specification combines the purchase procedure and the fund processing procedure, so that the e-commerce platform can not only provide the purchase and sale services, but also provide the financial services, thereby realizing the one-stop transaction, financing and repayment functions of bulk goods, and the buyer can perform the purchase, financing and repayment operations only through the e-commerce platform, thereby simplifying the operation of the buyer, the buyer does not need to perform financing and repayment through bank online banking, the experience is good, in addition, because the fund processing is completed by the e-commerce platform, the e-commerce platform can also take profits from the transaction.
However, those skilled in the art should recognize that the above-described embodiments are illustrative only, and not limiting, and that changes and modifications can be made to the above-described embodiments without departing from the true spirit and scope of the invention, which is defined by the following claims.

Claims (11)

1. An e-commerce transaction data processing method, comprising:
a first account corresponding to the e-commerce and a second account corresponding to the user are set on a transaction platform and a payment platform of the e-commerce;
receiving a purchase request for a specified commodity sent by a buyer terminal, wherein the purchase request comprises the purchase quantity of the specified commodity;
generating first data according to the purchase request, and sending the first data to the buyer terminal, wherein the first data comprises financing contract information agreed among a buyer, an e-commerce and a bank and access address information for the buyer terminal to enter a borrowing interface of a bank system to draft a loan contract, and the financing contract information comprises the total amount of specified commodities, the pre-payment amount of the buyer and the financing amount and interest rate of the bank, which are calculated according to the purchase quantity and the unit price;
determining whether the first account receives a prepayment paid by a buyer according to the financing contract information and a debit issued by a bank according to the borrowing contract, and if the prepayment and the debit are received, transferring accounts of the seller of the specified commodity through the first account;
receiving a goods picking request for the specified goods sent by a buyer terminal, wherein the goods picking request comprises the goods picking quantity of the specified goods;
generating second data according to the goods delivery request, and sending the second data to the buyer terminal, wherein the second data comprises principal, bank interest and e-commerce service charge calculated according to the goods delivery quantity, unit price and interest rate;
and receiving and responding to a payment request sent by a buyer terminal, transferring principal deposit and bank interest part from a second account of the buyer to a bank according to the second data, and transferring e-commerce service charge part to the first account.
2. The method of e-commerce transaction data processing of claim 1, wherein the sending the first data to the buyer terminal further comprises:
respectively obtaining the auditing results of the first data from the electricity merchant and the bank;
and if the first data are approved by the e-commerce and the bank, sending the first data to the buyer terminal.
3. The e-commerce transaction data processing method of claim 2, further comprising:
receiving a commodity publishing request sent by a seller terminal;
issuing a seller-specified commodity on the transaction platform and associating the commodity with a second account of the seller.
4. The method of eCommerce transaction data processing according to claim 3, wherein the collection account of the seller is a second account of the seller.
5. The e-commerce transaction data processing method of claim 4, further comprising:
and after the transfer is carried out to the collection account of the seller of the specified commodity, the specified commodity is disassociated from the second account of the corresponding seller, and the specified commodity is associated with the second account of the corresponding buyer.
6. An e-commerce arrangement comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method according to any one of claims 1 to 5 when executing the computer program.
7. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-5.
8. A transaction system, comprising:
the e-commerce premises equipment of claim 6;
a seller terminal configured to: responding to the operation of a user, and sending a commodity release request to the E-commerce terminal equipment;
a buyer terminal for: responding to the operation of a user, and sending a purchase request for a specified commodity to the E-commerce terminal equipment, wherein the purchase request comprises the purchase quantity of the specified commodity; receiving first data sent by the E-commerce terminal equipment, and displaying the first data; sending a goods picking request for the specified goods to the E-commerce terminal equipment, wherein the goods picking request comprises the quantity of the specified goods; receiving second data sent by the E-commerce terminal equipment; and responding to the operation of the user, and sending a payment request to the electronic commerce side equipment.
9. The transaction system of claim 8, wherein said exposing said first data further comprises:
and generating a two-dimensional code according to the access address information.
10. The transaction system of claim 9, wherein the buyer terminal is further configured to: and responding to the operation of the user, and paying the prepayment to the first account.
11. The transaction system of claim 10, wherein the buyer terminal is further adapted to: and entering a borrowing interface of the bank system according to the access address information in the first data.
CN202211253193.2A 2022-10-13 2022-10-13 E-commerce transaction data processing method, device, readable storage medium and transaction system Pending CN115545925A (en)

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