CN115859238B - Electronic settlement system and method for agricultural product remote transaction - Google Patents
Electronic settlement system and method for agricultural product remote transaction Download PDFInfo
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Abstract
The invention provides an electronic settlement system and method for remote transaction of agricultural products, wherein the system comprises: the acquisition module is used for acquiring a remote transaction order input by a first user of the agricultural product remote transaction platform; the estimating module is used for analyzing the remote transaction order, carrying out cost estimation and determining the estimated total cost; the docking module is used for sending the estimated total cost to a merchant of the remote transaction order, notifying the merchant to dock with the first user, and determining the payment amount; and the settlement module is used for carrying out electronic settlement based on the payment amount. According to the electronic settlement system for agricultural product remote transaction, the remote transaction order of the user is obtained through the agricultural product remote transaction platform, the user does not need to go to a transaction place in person, and convenience is improved; the docking module is introduced to automatically conduct bargaining with the user, so that the labor cost is reduced; and the payment amount required to be paid by the user is determined to be subjected to electronic settlement, so that manual accounting is not required, and manual errors are reduced.
Description
Technical Field
The invention relates to the technical field of settlement, in particular to an electronic settlement system and method for agricultural product remote transaction.
Background
At present, the transaction mode of agricultural products in the market is mainly face-to-face transaction, a transaction party needs to go to a transaction place in person, convenience is low when the transaction party is far away from the transaction place, meanwhile, in the process of transaction of two parties or multiple parties, special people are needed to butt joint when clients bargaining, labor cost is high, and the transaction cost, payment amount and the like need to be manually checked during transaction, so that mistakes are easy to occur.
Thus, a solution is needed.
Disclosure of Invention
The invention provides an electronic settlement system and method for agricultural product remote transaction, which are characterized in that a remote transaction order of a user is obtained through an agricultural product remote transaction platform, the user does not need to go to a transaction place in person, and the convenience is improved; the docking module is introduced to automatically conduct bargaining with the user, so that the labor cost is reduced; and the payment amount required to be paid by the user is determined to be subjected to electronic settlement, so that manual accounting is not required, and manual errors are reduced.
The invention provides an electronic settlement system for remote transaction of agricultural products, which comprises the following components:
the acquisition module is used for acquiring a remote transaction order input by a first user of the agricultural product remote transaction platform;
the estimating module is used for analyzing the remote transaction order, carrying out cost estimation and determining the estimated total cost;
The docking module is used for sending the estimated total cost to a merchant of the remote transaction order, notifying the merchant to dock with the first user, and determining the payment amount;
and the settlement module is used for carrying out electronic settlement based on the payment amount.
Preferably, the acquisition module performs the following operations:
attempting to acquire a login request of a first user;
if the attempt is successful, analyzing the login request to obtain a first login ID and a first login key of the first user;
obtaining a preset login verification library, wherein the login verification library comprises: a plurality of groups of second login IDs and second login keys which are in one-to-one correspondence;
matching the first login ID with the second login ID, and taking the matched second login ID as a third login ID;
acquiring a second login key corresponding to the third login ID and taking the second login key as the third login key;
judging whether the first login key is consistent with the third login key;
if yes, the corresponding first user passes login verification, and the corresponding first agricultural product input by the first user and the first agricultural product quantity corresponding to the first agricultural product are obtained;
integrating the first agricultural products and the first agricultural product quantity corresponding to the first agricultural products, generating a remote transaction order of the first user, and completing acquisition.
Preferably, the estimation module performs the following operations:
analyzing a second agricultural product in the remote transaction order and the second agricultural product quantity corresponding to the second agricultural product;
obtaining a preset standard price base, wherein the standard price base comprises: multiple groups of third agricultural products and first agricultural products which are in one-to-one correspondence are monovalent;
determining the unit price of a first agricultural product corresponding to a third agricultural product consistent with the second agricultural product in the standard price base, and taking the unit price of the first agricultural product as the unit price of the second agricultural product;
determining a total price of the second agricultural product based on the second agricultural product unit price of the second agricultural product and the second agricultural product quantity corresponding to the second agricultural product, and as a first estimated cost;
acquiring a first geographic position of a user and a second geographic position of a merchant;
based on a preset logistics cost estimation model, estimating the logistics cost of the remote transaction order according to the first geographic position, the second geographic position and the second agricultural product quantity of the second agricultural product, and taking the logistics cost as a second estimated cost;
and accumulating the first estimated cost and the second estimated cost to obtain the estimated total cost, and completing the estimation.
Preferably, the docking module determines the payment amount, including:
acquiring a first price of a remote transaction order set by a merchant, and transmitting the first price to a first user;
Acquiring first reply information corresponding to a first user;
extracting a plurality of first reply semantics in the reply information, and determining the generation time of the first reply semantics;
based on the generation time, expanding the first reply semantics on a preset first time axis;
sequentially traversing the first reply semantics on the first time axis, and simultaneously taking the first reply semantics currently traversed as second reply semantics;
matching the second reply semantics with the bargained semantics in a preset bargained semantics library, and judging whether the corresponding second reply semantics can determine the down-regulating amount if matching coincidence exists;
if yes, determining the amount to be adjusted downwards, and stopping traversing;
if the first reply semantics cannot be obtained, the preset number of first reply semantics corresponding to the second reply semantics are obtained and used as third reply semantics;
determining a down-regulated amount based on the third reply semantics;
calculating the ratio of the down-regulating amount to the first price to obtain a down-regulating ratio;
if the down-regulating amount is smaller than or equal to a preset first threshold value and the price reduction ratio is smaller than or equal to a preset second threshold value, the corresponding first price is down-regulated based on the down-regulating amount, and a second price is obtained;
otherwise, the corresponding first price is taken as a second price;
And taking the second price as the payment amount to finish the determination.
Preferably, the settlement module performs the following operations:
acquiring payment binding information of an online account of a first user;
resolving payment binding information to obtain a plurality of payment nodes;
acquiring a historical payment record of a first user;
analyzing the historical payment record to obtain the corresponding payment times of the payment node;
arranging the payment nodes from more to less according to the number of the corresponding payment times to obtain a payment node sequence;
storing the payment node sequence into a preset empty data table to obtain a payment node selection list;
pushing a payment node selection list to a first user;
acquiring a target payment node selected by a first user from a payment node selection list;
sending a payment request to a target payment node, and simultaneously, acquiring third reply information of the target payment node;
analyzing the third reply information and judging whether the request is passed or not;
if the payment is passed, the payment is allowed to finish the electronic settlement;
if not, the settlement fails.
Preferably, the parsing the third reply message to determine whether the request is passed includes:
analyzing account balance information and payment verification information in the third reply information to obtain account balance and payment verification results of the first user;
If the account balance is greater than or equal to the payment amount and the payment verification result is passing verification, judging that the request is passed;
otherwise, obtaining a user-credit line library;
querying a first subscriber's credit line in a subscriber-credit line library;
if the credit line of the first user is greater than or equal to the payment amount, judging that the request is passed;
otherwise, not pass.
Preferably, obtaining a subscriber-credit line library comprises:
acquiring a plurality of first historical order payment modes of a preset second user, wherein the payment modes comprise: instant payment and credit payment;
when the payment mode is instant payment, acquiring an order amount corresponding to the first historical order, and associating with the corresponding first historical order;
accumulating and calculating the order amount associated with the first historical order to obtain the historical payment sum of the second user;
acquiring a first credit value corresponding to the historical payment sum, and associating with a corresponding second user;
when the payment mode is credit payment, acquiring a first contracted payment moment corresponding to the first historical order, and simultaneously acquiring an actual payment moment corresponding to the first historical order paid by the second user;
acquiring a preset second time axis, and marking the first appointed payment time and the actual payment time on the second time axis;
Determining the relative positions of the first appointed payment moment and the actual payment moment on a second time axis;
calculating a first time length between a first contracted payment moment and an actual payment moment;
based on a preset credit value determining rule, determining a second credit value according to the relative position and the first time length corresponding to the first agreed payment time and the actual payment time, and associating with a corresponding second user;
accumulating and calculating a first credit value and a second credit value associated with a second user, obtaining a credit value sum, and taking the credit value sum as a credit line;
associating the credit line with the corresponding second user to obtain an association pairing group;
acquiring a preset blank database, and storing the association pairing group into the blank database;
and after all the association pairing groups to be stored are stored in the blank database, the acquisition is completed.
Preferably, acquiring a plurality of first historical orders of the second user includes:
acquiring a second historical order of a second user on the agricultural product remote transaction platform;
acquiring an association relation of a remote transaction platform of agricultural products;
analyzing the association relation and determining an association platform of the agricultural product remote transaction platform;
acquiring a third historical order of the second user provided by the association platform;
The second historical order and the third historical order are used as the first historical order.
Preferably, the electronic settlement system for remote transaction of agricultural products further comprises:
the reminding module is used for attempting to acquire the credit payment order of the first user, judging whether the corresponding first user needs to be reminded based on the credit payment order if the acquisition attempt is successful, and carrying out corresponding reminding if the corresponding first user needs to be reminded;
the reminding module performs the following operations:
analyzing the credit payment order to obtain a second contracted payment moment, and simultaneously, obtaining the current moment;
if the current time exceeds the second appointed payment time, acquiring a preset first reminding period;
based on the first reminding period, reminding a corresponding first user to pay a corresponding credit payment order, and simultaneously acquiring the payment state of the corresponding credit payment order in real time;
analyzing the payment state, and if the payment of the corresponding credit payment order is not detected to be completed within a preset second time length, downwards regulating the first reminding period based on a preset downwards regulating rule to obtain a second reminding period;
based on the second alert period, the corresponding first user is alerted to pay the corresponding credit payment order.
The invention provides an electronic settlement method for remote transaction of agricultural products, which comprises the following steps:
Step 1: acquiring a remote transaction order input by a first user of a remote transaction platform for agricultural products;
step 2: analyzing the remote transaction order, performing cost estimation, and determining estimated total cost;
step 3: sending the estimated total cost to a merchant of the remote transaction order, informing the merchant to dock with the first user, and determining the payment amount;
step 4: and carrying out electronic settlement based on the payment amount.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims thereof as well as the appended drawings.
The technical scheme of the invention is further described in detail through the drawings and the embodiments.
Drawings
The accompanying drawings are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate the invention and together with the embodiments of the invention, serve to explain the invention. In the drawings:
FIG. 1 is a schematic diagram of an electronic settlement system for remote transactions of agricultural products in accordance with an embodiment of the present invention;
Fig. 2 is a flowchart of an electronic settlement method for remote transaction of agricultural products according to an embodiment of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described below with reference to the accompanying drawings, it being understood that the preferred embodiments described herein are for illustration and explanation of the present invention only, and are not intended to limit the present invention.
The present invention provides an electronic settlement system for remote transaction of agricultural products, as shown in fig. 1, comprising:
the acquisition module 1 is used for acquiring a remote transaction order input by a first user of the agricultural product remote transaction platform;
the estimating module 2 is used for analyzing the remote transaction order, carrying out cost estimation and determining estimated total cost;
the docking module 3 is used for sending the estimated total cost to a merchant of the remote transaction order, notifying the merchant to dock with the first user, and determining the payment amount;
and a settlement module 4 for performing electronic settlement based on the payment amount.
The working principle and the beneficial effects of the technical scheme are as follows:
the remote trade order is: the type of agricultural product and the quantity of the agricultural product purchased by the first user, such as: 50kg of sweet potato. The remote trade order is parsed and an estimated total cost (e.g., 800 yuan) is determined. The estimated total cost is sent to a merchant of the remote transaction order, who interfaces with the first user, to agree on the payment amount of the remote transaction order (the amount of the remote transaction order the user needs to pay). Based on the payment amount, electronic settlement is carried out on the online account of the first user, wherein the online account of the first user is specifically: the first user is in a platform account of the agricultural product remote transaction platform.
According to the application, the remote transaction order of the user is obtained through the agricultural product remote transaction platform, the user does not need to go to a transaction place in person, and the convenience is improved; the docking module is introduced to automatically conduct bargaining with the user, so that the labor cost is reduced; and the payment amount required to be paid by the user is determined to be subjected to electronic settlement, so that manual accounting is not required, and manual errors are reduced.
The application provides an electronic settlement system for remote transaction of agricultural products, which comprises an acquisition module, a storage module and a transaction module, wherein the acquisition module executes the following operations:
attempting to acquire a login request of a first user;
if the attempt is successful, analyzing the login request to obtain a first login ID and a first login key of the first user;
obtaining a preset login verification library, wherein the login verification library comprises: a plurality of groups of second login IDs and second login keys which are in one-to-one correspondence;
matching the first login ID with the second login ID, and taking the matched second login ID as a third login ID;
acquiring a second login key corresponding to the third login ID and taking the second login key as the third login key;
judging whether the first login key is consistent with the third login key;
if yes, the corresponding first user passes login verification, and the corresponding first agricultural product input by the first user and the first agricultural product quantity corresponding to the first agricultural product are obtained;
Integrating the first agricultural products and the first agricultural product quantity corresponding to the first agricultural products, generating a remote transaction order of the first user, and completing acquisition.
The working principle and the beneficial effects of the technical scheme are as follows:
the login request (such as login time, login account number and the like) of the first user is obtained in real time. The method comprises the steps of analyzing a login request to obtain a first login ID (unique ID of the first user logging in the agricultural product remote transaction platform) of a first user and a first login key (verification password input by the first user logging in the agricultural product remote transaction platform, wherein the verification password is set by the user when the first user is registered as the user of the platform), specifically, a plurality of groups of second login IDs and second login keys which are in one-to-one correspondence are arranged in a preset login verification library, the second login IDs are user ID stored in the platform, the second login keys are verification passwords of the login IDs of the platform user stored in the platform, matching the first login ID and the second login ID (the first login ID and the second login ID can be realized based on a string matching technology, the principle of the string matching technology is not repeated in the prior art), determining whether the second login key matched with the second login ID is identical with the third login key, and if so, obtaining the corresponding first agricultural product input by the first user and the first corresponding first agricultural product through verification.
According to the application, the login verification library is introduced to verify the login request input by the user, the first user passing the login verification is determined, the corresponding first agricultural products and the number of the first agricultural products are acquired, the reliability of acquiring the transaction demand is improved, and meanwhile, the efficiency of acquiring the remote transaction request is higher.
The application provides an electronic settlement system for remote transaction of agricultural products, wherein an estimation module executes the following operations:
analyzing a second agricultural product in the remote transaction order and the second agricultural product quantity corresponding to the second agricultural product;
obtaining a preset standard price base, wherein the standard price base comprises: multiple groups of third agricultural products and first agricultural products which are in one-to-one correspondence are monovalent;
determining the unit price of a first agricultural product corresponding to a third agricultural product consistent with the second agricultural product in the standard price base, and taking the unit price of the first agricultural product as the unit price of the second agricultural product;
determining a total price of the second agricultural product based on the second agricultural product unit price of the second agricultural product and the second agricultural product quantity corresponding to the second agricultural product, and as a first estimated cost;
acquiring a first geographic position of a user and a second geographic position of a merchant;
based on a preset logistics cost estimation model, estimating the logistics cost of the remote transaction order according to the first geographic position, the second geographic position and the second agricultural product quantity of the second agricultural product, and taking the logistics cost as a second estimated cost;
And accumulating the first estimated cost and the second estimated cost to obtain the estimated total cost, and completing the estimation.
The working principle and the beneficial effects of the technical scheme are as follows:
the remote trade order for the first user is resolved to obtain a second agricultural product (e.g., radish) and a second agricultural product quantity (e.g., 50 kg). The preset standard price library is as follows: a plurality of sets of third agricultural products (all agricultural products sold by the agricultural product remote transaction platform) and first agricultural product unit prices (unit prices of agricultural products sold by the agricultural product remote transaction platform, for example, 1 yuan/kg) which are in one-to-one correspondence. The first agricultural product unit price of the third agricultural product identical to the second agricultural product in the standard price base is determined as the second agricultural product unit price of the second agricultural product (unit price of the agricultural product purchased by the user). And multiplying the unit price of the second agricultural product by the corresponding number of the second agricultural product, and summing and calculating the obtained results to obtain a first estimated cost.
A first geographic location of a user (e.g., city B, province a) and a second geographic location of a merchant (e.g., city D, province C) are obtained. The preset logistics cost estimation model specifically comprises the following steps: training a neural network model by utilizing a plurality of records for manually estimating logistics cost according to the position relation between a destination and an origin, the product types and the quantity of transported products and the like, training the neural network model to a converged neural network model, determining the logistics cost of a remote transaction order according to a first geographic position, a second geographic position and the second agricultural product quantity based on the logistics cost estimation model, and taking the logistics cost as a second estimation cost.
The first estimated cost and the second estimated cost are calculated in an accumulated manner to determine an estimated total cost.
According to the method, a standard price library is introduced, and the unit price of the second agricultural product corresponding to the second agricultural product is determined, so that the pricing of the agricultural product is more standard; determining a first estimated cost based on the number of second agricultural products and the unit price of the second agricultural products is more reasonable; and a logistics cost estimation model is introduced to determine the logistics cost, so that the accuracy of logistics cost determination is improved.
The application provides an electronic settlement system for agricultural product remote transaction, wherein a docking module determines payment amount, and the electronic settlement system comprises:
acquiring a first price of a remote transaction order set by a merchant, and transmitting the first price to a first user;
acquiring first reply information corresponding to a first user;
extracting a plurality of first reply semantics in the reply information, and determining the generation time of the first reply semantics;
based on the generation time, expanding the first reply semantics on a preset first time axis;
sequentially traversing the first reply semantics on the first time axis, and simultaneously taking the first reply semantics currently traversed as second reply semantics;
matching the second reply semantics with the bargained semantics in a preset bargained semantics library, and judging whether the corresponding second reply semantics can determine the down-regulating amount if matching coincidence exists;
If yes, determining the amount to be adjusted downwards, and stopping traversing;
if the first reply semantics cannot be obtained, the preset number of first reply semantics corresponding to the second reply semantics are obtained and used as third reply semantics;
determining a down-regulated amount based on the third reply semantics;
calculating the ratio of the down-regulating amount to the first price to obtain a down-regulating ratio;
if the down-regulating amount is smaller than or equal to a preset first threshold value and the price reduction ratio is smaller than or equal to a preset second threshold value, the corresponding first price is down-regulated based on the down-regulating amount, and a second price is obtained;
otherwise, the corresponding first price is taken as a second price;
and taking the second price as the payment amount to finish the determination.
The working principle and the beneficial effects of the technical scheme are as follows:
the first price is specifically: the merchant transmits a first price to the first user based on the price set by the estimated total cost for the remote transaction order. The first reply message is: the user replies to the statement for the first price. The first reply semantics (e.g., cheaper) in the reply sentence are extracted based on semantic analysis technology (the semantic analysis technology belongs to the prior art, and the principle thereof is not repeated). The generation time (for example, X time and X time) of the first reply semantic is acquired, and the first reply semantic is unfolded on a first time axis based on the generation time. And traversing the first reply semantics in sequence, and taking the first reply semantics currently traversed as second reply semantics. The preset bargained semantic library is as follows: a database storing a plurality of bargained semantics, for example: too expensive, less expensive, etc.). Matching the second reply semantics with the bargained semantics, and if the matching is met, judging whether the corresponding second reply semantics can determine the down-regulating amount (for example, if the second reply semantics have numbers, the down-regulating amount can be determined). If the amount of the downturn can be determined, stopping traversing.
Generally, if the bargained semantics have already occurred, the semantics of the user about the amount of the down-regulation will follow the bargained semantics, so if the amount of the down-regulation cannot be determined, a preset number (e.g. 5) of first reply semantics after the corresponding second reply semantics are obtained and used as third reply semantics. Determining a down-regulating amount (e.g., 1000 yuan cheap) based on the third reply semantics, calculating a ratio of the down-regulating amount to the first price, and obtaining a down-price ratio, for example: 10%. If the amount of the downturn is less than or equal to a preset first threshold (e.g., 400 yuan) and the reduction ratio is less than or equal to a preset second threshold (e.g., 5%), a second price after the downturn is determined. Otherwise, the down-regulating amount is too high or the price is relatively large, so that the price is not reduced for ensuring the profit.
According to the application, the bargained semantic library is introduced, the second reply semantic is matched with the bargained semantic in the bargained semantic library, the down-regulating amount is determined, and the suitability of determining the down-regulating amount is improved; based on the down-regulating amount and the price-reducing ratio, whether to regulate the price of the order is judged, so that the method is more reasonable.
The application provides an electronic settlement system for remote transaction of agricultural products, which comprises the following steps:
acquiring payment binding information of an online account of a first user;
Resolving payment binding information to obtain a plurality of payment nodes;
acquiring a historical payment record of a first user;
analyzing the historical payment record to obtain the corresponding payment times of the payment node;
arranging the payment nodes from more to less according to the number of the corresponding payment times to obtain a payment node sequence;
storing the payment node sequence into a preset empty data table to obtain a payment node selection list;
pushing a payment node selection list to a first user;
acquiring a target payment node selected by a first user from a payment node selection list;
sending a payment request to a target payment node, and simultaneously, acquiring third reply information of the target payment node;
analyzing the third reply information and judging whether the request is passed or not;
if the payment is passed, the payment is allowed to finish the electronic settlement;
if not, the settlement fails.
The working principle and the beneficial effects of the technical scheme are as follows:
binding information (account-bound payment nodes, specifically, financial accounts, local payment accounts of agricultural product remote transaction platforms and the like) of a first user online account (an account of a user of the platform) is obtained.
When the first user makes a payment selection payment mode, the first user needs to present a payment node selection list, and when the payment node selection list is presented, the payment node most likely to be selected by the first user needs to be presented preferentially, so that the first user needs to be solved.
The historical payment record of the first user is specifically: the first user's historical payment record at the present platform includes the payment amount and the payment node. The number of payments corresponding to the payment node is calculated (e.g., 10). The method comprises the steps of sorting payment nodes from more to less according to the number of payment times to obtain a payment node sequence (the payment nodes are sorted in a descending manner according to the number of payment times), storing the payment sequence in a preset empty data table, namely a blank data table, sequentially, obtaining a payment node selection list (a payment node selection data table pushed to a first user), determining a target payment node (for example, an XX bank) selected by the first user in the payment node selection list, sending a payment request (for example, requesting for payment of 1 ten thousand yuan) to the target payment node, obtaining third reply information (for example, allowing payment) of the target payment node, judging whether the payment is allowed, if the payment is allowed, completing electronic settlement, and if the payment is not allowed, failing to pay.
The application is based on the introduction of the payment node selection list, and is more intelligent and humanized for the user to select when the first user pays; it is preferable to construct the payment node selection list based on historically how frequently the first user paid using the payment node.
The invention provides an electronic settlement system for remote transaction of agricultural products, which analyzes third reply information to judge whether the request is passed or not, and comprises the following steps:
analyzing account balance information and payment verification information in the third reply information to obtain account balance and payment verification results of the first user;
if the account balance is greater than or equal to the payment amount and the payment verification result is passing verification, judging that the request is passed;
otherwise, obtaining a user-credit line library;
querying a first subscriber's credit line in a subscriber-credit line library;
if the credit line of the first user is greater than or equal to the payment amount, judging that the request is passed;
otherwise, not pass.
The working principle and the beneficial effects of the technical scheme are as follows:
the account balance information is specifically: the account balance of the first user at the payment node, and the payment verification information specifically comprises: verification results of the first user when the payment node performs payment verification, for example: the payment password is incorrect and is not verified. If the first user is authenticated by the payment and the account balance of the first user at the payment node is greater than the payment amount, then the payment request is passed.
Some users may have insufficient funds in the bound payment account during payment, but the user is considered to have good credit and follow-up repayment capability, and is not required to purchase easy-missing orders.
The subscriber-credit line library is specifically: and if the credit line is greater than or equal to the payment amount, deducting the credit line of the corresponding line (such as 5000) and passing the request.
Otherwise, not pass.
The application introduces the user-credit amount library, determines the credit amount of the user with insufficient funds in the account, judges whether to respond to the user payment request based on the credit amount, and improves the flexibility of transaction.
The application provides an electronic settlement system for agricultural product remote transaction, which acquires a user-credit line library, comprising:
acquiring a plurality of first historical order payment modes of a preset second user, wherein the payment modes comprise: instant payment and credit payment;
when the payment mode is instant payment, acquiring an order amount corresponding to the first historical order, and associating with the corresponding first historical order;
accumulating and calculating the order amount associated with the first historical order to obtain the historical payment sum of the second user;
acquiring a first credit value corresponding to the historical payment sum, and associating with a corresponding second user;
When the payment mode is credit payment, acquiring a first contracted payment moment corresponding to the first historical order, and simultaneously acquiring an actual payment moment corresponding to the first historical order paid by the second user;
acquiring a preset second time axis, and marking the first appointed payment time and the actual payment time on the second time axis;
determining the relative positions of the first appointed payment moment and the actual payment moment on a second time axis;
calculating a first time length between a first contracted payment moment and an actual payment moment;
based on a preset credit value determining rule, determining a second credit value according to the relative position and the first time length corresponding to the first agreed payment time and the actual payment time, and associating with a corresponding second user;
accumulating and calculating a first credit value and a second credit value associated with a second user, obtaining a credit value sum, and taking the credit value sum as a credit line;
associating the credit line with the corresponding second user to obtain an association pairing group;
acquiring a preset blank database, and storing the association pairing group into the blank database;
and after all the association pairing groups to be stored are stored in the blank database, the acquisition is completed.
The working principle and the beneficial effects of the technical scheme are as follows:
The first historical order is specifically: historical orders of all users recorded in databases of the agricultural product remote transaction platform and the sharing platform are paid in the following modes: instant payment (payment by the payment node after issuing the payment request) and credit payment (payment by the credit line after issuing the payment request). When the payment mode is instant payment, the order amount (for example, 1.5 ten thousand yuan) of the first historical order is obtained and is associated with the corresponding first historical order. The amount of the order is accumulated to obtain the total historical payment amount (for example, 15 ten thousand yuan), the first credit value corresponding to the total historical payment amount is determined (the higher the total historical amount is, the larger the first credit value is), and the first credit value is associated with the corresponding second user.
When the payment mode is credit payment, a first appointed payment time (for example: XX year, XX month and XX day) corresponding to the first historical order is obtained, an actual payment time (for example: XX year, XX month and XX day) corresponding to the first historical order is obtained for the second user, the first appointed payment time and the actual payment time are marked on a preset second time axis, and the preset second time axis is specifically: recording systems in series in time sequence. Determining a relative position of the first contracted payment moment and the actual payment moment, the relative position comprising: the first promissory payment time is either before the actual payment time or after the actual payment time. A first length of time (e.g., 2 days) between the first contracted payment moment and the actual payment moment is calculated. The preset credit value determining rule specifically comprises the following steps: the longer the first length of time before the actual payment moment, the smaller the second credit value, and the longer the first length of time after the actual payment moment, the larger the second credit value, the second credit value is determined based on the relative location and the first length of time and associated with the corresponding second user.
The first credit value and the second credit value associated with the second user are accumulated and calculated, and the obtained credit value is taken as a credit line. The association pairing group specifically comprises: and a plurality of groups of second users and credit line in one-to-one correspondence. The preset blank database specifically comprises the following steps: and the blank database stores all the associated pairing groups into the blank database to finish the acquisition, and the credit line has the following calculation formula:
wherein Z is the credit line, delta i is the ith order amount, n 1 D, the total number of the order amount t For a corresponding first time length, n, of the t first contracted payment moment before the actual payment moment 2 For the total number of the corresponding first time lengths before the actual payment time of the first contracted payment time, dj is the corresponding first time length after the actual payment time of the j-th first contracted payment time, n 3 For the total number of first time lengths after the actual payment time for the first contracted payment time, gamma 1 ，γ 2 And gamma 3 Is a preset weight coefficient.
The application determines the first credit value based on the total amount of the historical orders paid by the second user in time, introduces a credit value determining rule, determines the second credit value according to the relative position of the first agreed payment moment and the actual payment moment on the time axis and the first time length, and improves the accuracy of credit value acquisition.
The application provides an electronic settlement system for remote transaction of agricultural products, which acquires a plurality of first historical orders of a second user, and comprises the following steps:
acquiring a second historical order of a second user on the agricultural product remote transaction platform;
acquiring an association relation of a remote transaction platform of agricultural products;
analyzing the association relation and determining an association platform of the agricultural product remote transaction platform;
acquiring a third historical order of the second user provided by the association platform;
the second historical order and the third historical order are used as the first historical order.
The working principle and the beneficial effects of the technical scheme are as follows:
the second historical order is specifically: and the second user is in the history order of the agricultural product remote transaction platform. The association relation of the agricultural product remote transaction platform is specifically as follows: association between platforms, for example: cooperative relationships, organizational relationships, and the like. An associated platform for the remote transaction platform for the agricultural product (e.g., XX remote transaction platform) is determined. A third historical order for the second user provided by the correlation platform is obtained (which may be obtained from a historical database of the correlation platform). The second historical order and the third historical order are used as the first historical order.
According to the method and the system for acquiring the first historical orders of the second user, the first historical orders of the second user are acquired from the platform and the associated platform, and the comprehensiveness of acquiring the first historical orders is improved.
The invention provides an electronic settlement system for remote transaction of agricultural products, which further comprises:
the reminding module is used for attempting to acquire the credit payment order of the first user, judging whether the corresponding first user needs to be reminded based on the credit payment order if the acquisition attempt is successful, and carrying out corresponding reminding if the corresponding first user needs to be reminded;
the reminding module performs the following operations:
analyzing the credit payment order to obtain a second contracted payment moment, and simultaneously, obtaining the current moment;
if the current time exceeds the second appointed payment time, acquiring a preset first reminding period;
based on the first reminding period, reminding a corresponding first user to pay a corresponding credit payment order, and simultaneously acquiring the payment state of the corresponding credit payment order in real time;
analyzing the payment state, and if the payment of the corresponding credit payment order is not detected to be completed within a preset second time length, downwards regulating the first reminding period based on a preset downwards regulating rule to obtain a second reminding period;
based on the second alert period, the corresponding first user is alerted to pay the corresponding credit payment order.
The working principle and the beneficial effects of the technical scheme are as follows:
after the user makes the credit payment, the user forgets to pay the credit payment order, so that the user needs to solve the problem.
The second contracted payment moment is specifically: the contracted payment time of the credit payment order of the first user, the current time (e.g., 2022, 1 month, 1 day) is obtained. If the current time exceeds the second appointed time, taking the condition that the user forgets into consideration, acquiring a preset first reminding period (for example, reminding once a day). Reminding the first user according to the first reminding period, and meanwhile, acquiring the payment state of the credit payment order, wherein the payment state comprises the following steps: paid and unpaid. If the credit payment order payment is not detected within a preset second time length (for example, within 3 days), determining a second reminding period after the down adjustment based on a preset down adjustment rule (for example, the longer the current time is from the second appointed time, the more the first reminding period is reduced), and reminding the user of completing the credit payment order payment based on the second reminding period.
The application reminds the user to pay the unfinished credit payment order payment, improves the timeliness of reminding, reduces the bad account rate, introduces a down-regulation rule to regulate the reminding period, and improves the rationality of the determination of the reminding period.
The application provides an electronic settlement method for remote transaction of agricultural products, which is shown in fig. 2 and comprises the following steps:
Step 1: acquiring a remote transaction order input by a first user of a remote transaction platform for agricultural products;
step 2: analyzing the remote transaction order, performing cost estimation, and determining estimated total cost;
step 3: sending the estimated total cost to a merchant of the remote transaction order, informing the merchant to dock with the first user, and determining the payment amount;
step 4: and carrying out electronic settlement based on the payment amount.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (3)
1. An electronic settlement system for remote transactions of agricultural products, comprising:
the acquisition module is used for acquiring a remote transaction order input by a first user of the agricultural product remote transaction platform;
the estimating module is used for analyzing the remote transaction order, carrying out cost estimation and determining the estimated total cost;
the docking module is used for sending the estimated total cost to a merchant of the remote transaction order, notifying the merchant to dock with the first user, and determining the payment amount;
The settlement module is used for carrying out electronic settlement based on the payment amount;
wherein the estimation module performs the following operations:
analyzing a second agricultural product in the remote transaction order and the second agricultural product quantity corresponding to the second agricultural product;
obtaining a preset standard price base, wherein the standard price base comprises: multiple groups of third agricultural products and first agricultural products which are in one-to-one correspondence are monovalent;
determining the unit price of a first agricultural product corresponding to a third agricultural product consistent with the second agricultural product in the standard price base, and taking the unit price of the first agricultural product as the unit price of the second agricultural product;
determining a total price of the second agricultural product based on the second agricultural product unit price of the second agricultural product and the second agricultural product quantity corresponding to the second agricultural product, and as a first estimated cost;
acquiring a first geographic position of a user and a second geographic position of a merchant;
based on a preset logistics cost estimation model, estimating the logistics cost of the remote transaction order according to the first geographic position, the second geographic position and the second agricultural product quantity of the second agricultural product, and taking the logistics cost as a second estimated cost;
accumulating and calculating a first estimated cost and a second estimated cost to obtain an estimated total cost, and finishing estimation;
wherein the docking module determines the payment amount, comprising:
Acquiring a first price of a remote transaction order set by a merchant, and transmitting the first price to a first user;
acquiring first reply information corresponding to a first user;
extracting a plurality of first reply semantics in the reply information, and determining the generation time of the first reply semantics;
based on the generation time, expanding the first reply semantics on a preset first time axis;
sequentially traversing the first reply semantics on the first time axis, and simultaneously taking the first reply semantics currently traversed as second reply semantics;
matching the second reply semantics with the bargained semantics in a preset bargained semantics library, and judging whether the corresponding second reply semantics can determine the down-regulating amount if matching coincidence exists;
if yes, determining the amount to be adjusted downwards, and stopping traversing;
if the first reply semantics cannot be obtained, the preset number of first reply semantics corresponding to the second reply semantics are obtained and used as third reply semantics;
determining a down-regulated amount based on the third reply semantics;
calculating the ratio of the down-regulating amount to the first price to obtain a down-regulating ratio;
if the down-regulating amount is smaller than or equal to a preset first threshold value and the price reduction ratio is smaller than or equal to a preset second threshold value, the corresponding first price is down-regulated based on the down-regulating amount, and a second price is obtained;
Otherwise, the corresponding first price is taken as a second price;
taking the second price as the payment amount to finish the determination;
wherein, the settlement module executes the following operations:
acquiring payment binding information of an online account of a first user;
resolving payment binding information to obtain a plurality of payment nodes;
acquiring a historical payment record of a first user;
analyzing the historical payment record to obtain the corresponding payment times of the payment node;
arranging the payment nodes from more to less according to the number of the corresponding payment times to obtain a payment node sequence;
storing the payment node sequence into a preset empty data table to obtain a payment node selection list;
pushing a payment node selection list to a first user;
acquiring a target payment node selected by a first user from a payment node selection list;
sending a payment request to a target payment node, and simultaneously, acquiring third reply information of the target payment node;
analyzing the third reply information and judging whether the request is passed or not;
if the payment is passed, the payment is allowed to finish the electronic settlement;
if not, the settlement fails;
the analyzing the third reply message, judging whether the request is passed, includes:
analyzing account balance information and payment verification information in the third reply information to obtain account balance and payment verification results of the first user;
If the account balance is greater than or equal to the payment amount and the payment verification result is passing verification, judging that the request is passed;
otherwise, obtaining a user-credit line library;
querying a first subscriber's credit line in a subscriber-credit line library;
if the credit line of the first user is greater than or equal to the payment amount, judging that the request is passed;
otherwise, not pass;
wherein obtaining a subscriber-credit line library comprises:
acquiring a plurality of first historical order payment modes of a preset second user, wherein the payment modes comprise: instant payment and credit payment;
when the payment mode is instant payment, acquiring an order amount corresponding to the first historical order, and associating with the corresponding first historical order;
accumulating and calculating the order amount associated with the first historical order to obtain the historical payment sum of the second user;
acquiring a first credit value corresponding to the historical payment sum, and associating with a corresponding second user;
when the payment mode is credit payment, acquiring a first contracted payment moment corresponding to the first historical order, and simultaneously acquiring an actual payment moment corresponding to the first historical order paid by the second user;
acquiring a preset second time axis, and marking the first appointed payment time and the actual payment time on the second time axis;
Determining the relative positions of the first appointed payment moment and the actual payment moment on a second time axis;
calculating a first time length between a first contracted payment moment and an actual payment moment;
based on a preset credit value determining rule, determining a second credit value according to the relative position and the first time length corresponding to the first agreed payment time and the actual payment time, and associating with a corresponding second user;
and accumulating and calculating a first credit value and a second credit value associated with a second user to obtain a credit value sum which is used as a credit line, wherein the credit line has the following calculation formula:
wherein Z is the credit limit, delta i For the ith order amount, n 1 D, the total number of the order amount t Payment for t-th first agreementThe corresponding first time length, n, of the moment before the actual payment moment 2 For the total number of corresponding first time lengths before the actual payment moment of the first contracted payment moment, d j For the corresponding first time length, n, of the j-th first contracted payment moment after the actual payment moment 3 For the total number of first time lengths after the actual payment time for the first contracted payment time, gamma 1 ，γ 2 And gamma 3 The weight coefficient is preset;
associating the credit line with the corresponding second user to obtain an association pairing group;
acquiring a preset blank database, and storing the association pairing group into the blank database;
after all the association pairing groups to be stored are stored in the blank database, the acquisition is completed;
the method for acquiring the plurality of first historical orders of the preset second user comprises the following steps:
acquiring a second historical order of a second user on the agricultural product remote transaction platform;
acquiring an association relation of a remote transaction platform of agricultural products;
analyzing the association relation and determining an association platform of the agricultural product remote transaction platform;
acquiring a third historical order of the second user provided by the association platform;
taking the second historical order and the third historical order as the first historical order;
wherein, an electronic settlement system for agricultural product remote transaction, still include:
the reminding module is used for attempting to acquire the credit payment order of the first user, judging whether the corresponding first user needs to be reminded based on the credit payment order if the acquisition attempt is successful, and carrying out corresponding reminding if the corresponding first user needs to be reminded;
the reminding module performs the following operations:
analyzing the credit payment order to obtain a second contracted payment moment, and simultaneously, obtaining the current moment;
If the current time exceeds the second appointed payment time, acquiring a preset first reminding period;
based on the first reminding period, reminding a corresponding first user to pay a corresponding credit payment order, and simultaneously acquiring the payment state of the corresponding credit payment order in real time;
analyzing the payment state, and if the payment of the corresponding credit payment order is not detected to be completed within a preset second time length, downwards regulating the first reminding period based on a preset downwards regulating rule to obtain a second reminding period;
based on the second alert period, the corresponding first user is alerted to pay the corresponding credit payment order.
2. An electronic settlement system for remote transactions of agricultural products as claimed in claim 1, wherein the acquisition module performs the operations of:
attempting to acquire a login request of a first user;
if the attempt is successful, analyzing the login request to obtain a first login ID and a first login key of the first user;
obtaining a preset login verification library, wherein the login verification library comprises: a plurality of groups of second login IDs and second login keys which are in one-to-one correspondence;
matching the first login ID with the second login ID, and taking the matched second login ID as a third login ID;
acquiring a second login key corresponding to the third login ID and taking the second login key as the third login key;
Judging whether the first login key is consistent with the third login key;
if yes, the corresponding first user passes login verification, and the corresponding first agricultural product input by the first user and the first agricultural product quantity corresponding to the first agricultural product are obtained;
integrating the first agricultural products and the first agricultural product quantity corresponding to the first agricultural products, generating a remote transaction order of the first user, and completing acquisition.
3. An electronic settlement method for remote transaction of agricultural products, comprising:
step 1: acquiring a remote transaction order input by a first user of a remote transaction platform for agricultural products;
step 2: analyzing the remote transaction order, performing cost estimation, and determining estimated total cost;
step 3: sending the estimated total cost to a merchant of the remote transaction order, informing the merchant to dock with the first user, and determining the payment amount;
step 4: performing electronic settlement based on the payment amount; wherein, step 2: analyzing the remote trade order, performing cost estimation, determining an estimated total cost, comprising:
analyzing a second agricultural product in the remote transaction order and the second agricultural product quantity corresponding to the second agricultural product;
obtaining a preset standard price base, wherein the standard price base comprises: multiple groups of third agricultural products and first agricultural products which are in one-to-one correspondence are monovalent;
Determining the unit price of a first agricultural product corresponding to a third agricultural product consistent with the second agricultural product in the standard price base, and taking the unit price of the first agricultural product as the unit price of the second agricultural product;
determining a total price of the second agricultural product based on the second agricultural product unit price of the second agricultural product and the second agricultural product quantity corresponding to the second agricultural product, and as a first estimated cost;
acquiring a first geographic position of a user and a second geographic position of a merchant;
based on a preset logistics cost estimation model, estimating the logistics cost of the remote transaction order according to the first geographic position, the second geographic position and the second agricultural product quantity of the second agricultural product, and taking the logistics cost as a second estimated cost;
accumulating and calculating a first estimated cost and a second estimated cost to obtain an estimated total cost, and finishing estimation;
wherein determining the payment amount comprises:
acquiring a first price of a remote transaction order set by a merchant, and transmitting the first price to a first user;
acquiring first reply information corresponding to a first user;
extracting a plurality of first reply semantics in the reply information, and determining the generation time of the first reply semantics;
based on the generation time, expanding the first reply semantics on a preset first time axis;
sequentially traversing the first reply semantics on the first time axis, and simultaneously taking the first reply semantics currently traversed as second reply semantics;
Matching the second reply semantics with the bargained semantics in a preset bargained semantics library, and judging whether the corresponding second reply semantics can determine the down-regulating amount if matching coincidence exists;
if yes, determining the amount to be adjusted downwards, and stopping traversing;
if the first reply semantics cannot be obtained, the preset number of first reply semantics corresponding to the second reply semantics are obtained and used as third reply semantics;
determining a down-regulated amount based on the third reply semantics;
calculating the ratio of the down-regulating amount to the first price to obtain a down-regulating ratio;
if the down-regulating amount is smaller than or equal to a preset first threshold value and the price reduction ratio is smaller than or equal to a preset second threshold value, the corresponding first price is down-regulated based on the down-regulating amount, and a second price is obtained;
otherwise, the corresponding first price is taken as a second price;
taking the second price as the payment amount to finish the determination;
wherein, step 4: based on the payment amount, performing electronic settlement, including:
acquiring payment binding information of an online account of a first user;
resolving payment binding information to obtain a plurality of payment nodes;
acquiring a historical payment record of a first user;
analyzing the historical payment record to obtain the corresponding payment times of the payment node;
arranging the payment nodes from more to less according to the number of the corresponding payment times to obtain a payment node sequence;
Storing the payment node sequence into a preset empty data table to obtain a payment node selection list;
pushing a payment node selection list to a first user;
acquiring a target payment node selected by a first user from a payment node selection list;
sending a payment request to a target payment node, and simultaneously, acquiring third reply information of the target payment node;
analyzing the third reply information and judging whether the request is passed or not;
if the payment is passed, the payment is allowed to finish the electronic settlement;
if not, the settlement fails;
the analyzing the third reply message, judging whether the request is passed, includes:
analyzing account balance information and payment verification information in the third reply information to obtain account balance and payment verification results of the first user;
if the account balance is greater than or equal to the payment amount and the payment verification result is passing verification, judging that the request is passed;
otherwise, obtaining a user-credit line library;
querying a first subscriber's credit line in a subscriber-credit line library;
if the credit line of the first user is greater than or equal to the payment amount, judging that the request is passed;
otherwise, not pass;
wherein obtaining a subscriber-credit line library comprises:
acquiring a plurality of first historical order payment modes of a preset second user, wherein the payment modes comprise: instant payment and credit payment;
When the payment mode is instant payment, acquiring an order amount corresponding to the first historical order, and associating with the corresponding first historical order;
accumulating and calculating the order amount associated with the first historical order to obtain the historical payment sum of the second user;
acquiring a first credit value corresponding to the historical payment sum, and associating with a corresponding second user;
when the payment mode is credit payment, acquiring a first contracted payment moment corresponding to the first historical order, and simultaneously acquiring an actual payment moment corresponding to the first historical order paid by the second user;
acquiring a preset second time axis, and marking the first appointed payment time and the actual payment time on the second time axis;
determining the relative positions of the first appointed payment moment and the actual payment moment on a second time axis;
calculating a first time length between a first contracted payment moment and an actual payment moment;
based on a preset credit value determining rule, determining a second credit value according to the relative position and the first time length corresponding to the first agreed payment time and the actual payment time, and associating with a corresponding second user;
and accumulating and calculating a first credit value and a second credit value associated with a second user to obtain a credit value sum which is used as a credit line, wherein the credit line has the following calculation formula:
Wherein Z is the credit limit, delta i For the ith order amount, n 1 D, the total number of the order amount t For a corresponding first time length, n, of the t first contracted payment moment before the actual payment moment 2 For the total number of corresponding first time lengths before the actual payment moment of the first contracted payment moment, d j For the corresponding first time length, n, of the j-th first contracted payment moment after the actual payment moment 3 For the total number of first time lengths after the actual payment time for the first contracted payment time, gamma 1 ，γ 2 And gamma 3 The weight coefficient is preset;
associating the credit line with the corresponding second user to obtain an association pairing group;
acquiring a preset blank database, and storing the association pairing group into the blank database;
after all the association pairing groups to be stored are stored in the blank database, the acquisition is completed;
the method for acquiring the plurality of first historical orders of the preset second user comprises the following steps:
acquiring a second historical order of a second user on the agricultural product remote transaction platform;
acquiring an association relation of a remote transaction platform of agricultural products;
analyzing the association relation and determining an association platform of the agricultural product remote transaction platform;
Acquiring a third historical order of the second user provided by the association platform;
taking the second historical order and the third historical order as the first historical order;
wherein, an electronic settlement method for agricultural product remote transaction further comprises:
attempting to acquire the credit payment order of the first user, if the acquisition attempt is successful, judging whether the corresponding first user needs to be reminded based on the credit payment order, and if so, carrying out corresponding reminding;
the credit-based payment order judges whether the corresponding first user needs to be reminded, if yes, the corresponding reminding is carried out, and the method comprises the following steps:
analyzing the credit payment order to obtain a second contracted payment moment, and simultaneously, obtaining the current moment;
if the current time exceeds the second appointed payment time, acquiring a preset first reminding period;
based on the first reminding period, reminding a corresponding first user to pay a corresponding credit payment order, and simultaneously acquiring the payment state of the corresponding credit payment order in real time;
analyzing the payment state, and if the payment of the corresponding credit payment order is not detected to be completed within a preset second time length, downwards regulating the first reminding period based on a preset downwards regulating rule to obtain a second reminding period;
Based on the second alert period, the corresponding first user is alerted to pay the corresponding credit payment order.
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