CN116797213A

CN116797213A - Decoration transaction processing method and device

Info

Publication number: CN116797213A
Application number: CN202310772849.XA
Authority: CN
Inventors: 陈甬龙; 胡祥宁; 王凯; 费斌杰
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2023-06-27
Filing date: 2023-06-27
Publication date: 2023-09-22

Abstract

The embodiment of the specification provides a decoration transaction processing method and a device, wherein the decoration transaction processing method comprises the following steps: in the process of decoration transaction between a user and a merchant, a decoration scheme recorded in a decoration order submitted by the user through a post-payment interface is obtained, a task execution instruction of any decoration node is generated and issued to an executive party under the condition that the node state of the decoration node in the decoration scheme is a task execution state, after the task execution of the executive party is completed, an acceptance confirmation instruction submitted by the user for the decoration node is obtained, and in response to the acceptance confirmation instruction, funds transfer processing from a user account to a collection account is carried out according to the payment amount of the decoration node.

Description

Decoration transaction processing method and device

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a decoration transaction processing method and device.

Background

With the continuous improvement of the living standard of users, more and more users start to have demands on decoration, and with the continuous development of internet technology, more and more merchants choose to develop online decoration transactions, users and merchants can conduct negotiations of specific decoration processes and the knockdown of decoration amounts on the online decoration projects, after the two parties of the decoration transactions confirm, the offline decoration execution is conducted, and with the continuous development of more users and merchants choose to conduct the decoration transactions on the online, the higher demands are put forward on the decoration transactions.

Disclosure of Invention

One or more embodiments of the present disclosure provide a decoration transaction processing method, including: and acquiring a decoration scheme recorded in a decoration order submitted by a user through a post-payment interface. The decoration scheme is generated by writing scheme information input by the user and a merchant for decoration projects into a scheme template. If the node state of any one of the decoration nodes is the task execution state, generating a task execution instruction of the decoration node and issuing the task execution instruction to an executive party so that the executive party can execute the task aiming at the decoration node. And acquiring an acceptance confirmation instruction submitted by the user aiming at the decoration node. And responding to the acceptance confirmation instruction, and carrying out funds transfer processing from the user account to the collection account according to the payment amount of the decoration node.

One or more embodiments of the present specification provide a finishing transaction processing device including: and the decoration scheme acquisition module is configured to acquire the decoration scheme recorded in the decoration order submitted by the user through the post-payment interface. The decoration scheme is generated by writing scheme information input by the user and a merchant for decoration projects into a scheme template. And if the node state of any one of the decoration nodes is a task execution state, operating a task execution instruction issuing module, wherein the task execution instruction issuing module is configured to generate a task execution instruction of the decoration node and issue the task execution instruction to an executive party so that the executive party performs task execution on the decoration node. And the acceptance confirmation instruction acquisition module is configured to acquire an acceptance confirmation instruction submitted by the user aiming at the decoration node. And the fund transfer processing module is configured to respond to the acceptance confirmation instruction and conduct fund transfer processing from a user account to a collection account according to the payment amount of the decoration node.

One or more embodiments of the present specification provide a finishing transaction processing device including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring a decoration scheme recorded in a decoration order submitted by a user through a post-payment interface. The decoration scheme is generated by writing scheme information input by the user and a merchant for decoration projects into a scheme template. If the node state of any one of the decoration nodes is the task execution state, generating a task execution instruction of the decoration node and issuing the task execution instruction to an executive party so that the executive party can execute the task aiming at the decoration node. And acquiring an acceptance confirmation instruction submitted by the user aiming at the decoration node. And responding to the acceptance confirmation instruction, and carrying out funds transfer processing from the user account to the collection account according to the payment amount of the decoration node.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and acquiring a decoration scheme recorded in a decoration order submitted by a user through a post-payment interface. The decoration scheme is generated by writing scheme information input by the user and a merchant for decoration projects into a scheme template. If the node state of any one of the decoration nodes is the task execution state, generating a task execution instruction of the decoration node and issuing the task execution instruction to an executive party so that the executive party can execute the task aiming at the decoration node. And acquiring an acceptance confirmation instruction submitted by the user aiming at the decoration node. And responding to the acceptance confirmation instruction, and carrying out funds transfer processing from the user account to the collection account according to the payment amount of the decoration node.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the following brief description of the drawings is provided for the purpose of making it apparent, to those skilled in the art, that the drawings in the following description are only some of the embodiments described in the present description, from which other drawings can be obtained without the need for inventive labour;

FIG. 1 is a schematic view of an environment for carrying out a decoration transaction processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a flow chart of a method of processing a finishing transaction according to one or more embodiments of the present disclosure;

fig. 3 is a process flow diagram of a process method applied to a home decoration scene according to one or more embodiments of the present disclosure;

FIG. 4 is a process flow diagram of a process method for outdoor decoration scene according to one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of one embodiment of a finishing transaction processing device according to one or more embodiments of the present disclosure;

fig. 6 is a schematic structural diagram of a decoration transaction processing device according to one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

The decoration transaction processing method provided in one or more embodiments of the present invention is applicable to an implementation environment of decoration transaction, and referring to fig. 1, the implementation environment includes at least a server 101. The server 101 may be a server cluster formed by a plurality of servers, or a cloud server of a cloud computing platform, where the server 101 is configured to issue a task execution instruction of a decoration node recorded in a decoration scheme and transfer a payment amount of the decoration node.

The implementation environment may further include a user terminal 102, where the server 101 may obtain an acceptance confirmation instruction and a decoration order submitted by the user terminal 102, and the user terminal 102 may be a smart phone, a tablet computer, an electronic book reader, a wearable device, a device performing information interaction based on AR (Augmented Reality) and VR (Virtual Reality), or the like.

In addition, the implementation environment may further include a merchant server 103, where the merchant server 103 stores an initial decoration order of the decoration item, scheme information of the original decoration order and the decoration item, the server 101 may read the scheme information of the decoration item from the merchant server 103, and the server 101 may obtain the initial decoration order of the decoration item, or send the original decoration order to the merchant server 103. The merchant server 103 may be one or a server cluster composed of several servers, or a cloud server of a cloud computing platform.

In the implementation environment, in the process of performing decoration transaction between a user and a merchant, the server 101 obtains a decoration scheme recorded in a decoration order submitted by the user through a post-payment interface, if the node state of any one decoration node in the decoration scheme is a task execution state, generates a task execution instruction of the decoration node and issues the task execution instruction to an executive party, after the executive party finishes task execution, obtains an acceptance confirmation instruction of the decoration node submitted by the user, and transfers funds from a user account to a collection account according to the payment amount of the decoration node.

One or more embodiments of a finishing transaction processing method provided in the present specification are as follows:

Referring to fig. 2, the decoration transaction processing method provided in the present embodiment specifically includes steps S202 to S208.

Step S202, acquiring a decoration scheme recorded in a decoration order submitted by a user through a post-payment interface.

In this embodiment, post-payment refers to a decoration transaction mode in which, in the process of performing decoration transaction with a merchant for a decoration project, after a user submits a decoration transaction order, an executive side completes a decoration task corresponding to a decoration stage for any one of decoration schemes recorded by the decoration order, and after the user checks and accepts the decoration task of the executive side, the user pays for the decoration amount of the decoration stage, and this decoration transaction mode is called post-payment. Post-paid may be provided to the user in the form of a service, namely: post-paid services. The post-paid interface comprises: an access interface for post-paid services and/or an interface for invoking post-paid services. Such as: after the user finishes the main body disassembly and transformation of the construction party, the user pays the construction amount for the main body disassembly and transformation to the construction party.

The decoration order in this embodiment is a post-paid order for a user to perform a decoration transaction with a merchant for a decoration item, and a decoration scheme is recorded in the decoration order. The decoration scheme is a processing scheme of a specific decoration process of a decoration project, comprises scheme information recorded by a user and a merchant aiming at the decoration project, wherein the scheme information can comprise one or more decoration stages, the decoration scheme comprises decoration nodes, the decoration nodes can be generated by writing a scheme template after being split aiming at the decoration stages through the scheme information, the decoration nodes can be configured with node states, whether task execution of the decoration nodes is performed or not can be judged through the node states, a task execution party of the decoration nodes can perform the task execution of the decoration nodes according to the scheme information corresponding to the decoration nodes, and the decoration nodes can be indoor decoration projects or outdoor decoration projects, such as: at least one of main body reconstruction nodes, hydropower reconstruction nodes, wall reconstruction nodes, hard-mounting reconstruction nodes and soft-mounting reconstruction nodes for interior decoration, such as: at least one of main body mapping nodes, facility arrangement nodes, ground reconstruction nodes and landscape reconstruction nodes of outdoor decoration. Optionally, the decoration scheme is generated by writing scheme information entered by the user and a merchant for the decoration item into a scheme template.

In the process of generating the decoration scheme, the scheme information can be split according to a preset decoration stage to obtain at least one scheme information block corresponding to the preset decoration stage, and the at least one scheme information block is written into the decoration nodes to be configured of the scheme template to obtain decoration nodes so as to generate the decoration scheme comprising at least one decoration node. Furthermore, the decoration nodes can be sequenced according to the sequence of the preset decoration stages, so that the task executor of the decoration nodes can execute tasks according to the preset decoration sequence according to the decoration nodes in the decoration scheme.

In practical application, for a decoration order, a user may call a post-payment interface to submit in a trade platform of a merchant, or may submit in post-payment service, for this purpose, the decoration order may be obtained by writing a decoration scheme into an initial order of the trade platform, or a decoration order generated based on the decoration scheme may be obtained, where in an optional implementation manner provided in this embodiment, the decoration order is obtained by:

acquiring an initial decoration order submitted by the user at a transaction platform through the post-payment interface, and writing the decoration scheme into the initial decoration order to acquire the decoration order;

Alternatively, the finishing scheme submitted by the user in a post-paid service is obtained, and the finishing order containing the finishing scheme is generated.

Specifically, under the condition that a user calls a post-payment interface through a transaction platform, an initial decoration order submitted by the user at a decoration transaction platform through the post-payment interface is obtained, a decoration scheme is written into the initial decoration order, and a preset decoration order containing the decoration scheme is used as a decoration order; alternatively, in the case where the user accesses the post-paid service, a decoration scheme submitted by the user within the post-paid service is acquired, and a decoration order containing the decoration scheme is generated.

In practical application, in order to reduce the risk of business of the merchant or the decoration executive party, the post-payment service can be provided to the user with good credit by means of credit detection, and in an alternative implementation manner provided in this embodiment, the method further includes:

detecting whether credit data of the user reaches a threshold value according to an order placing request of the decoration item submitted by the user through the post-payment interface;

if yes, creating a post-paid order of the decoration item as the decoration order;

If not, no treatment is carried out.

Specifically, after detecting that a user submits a request for ordering a decoration item through a post-payment interface, extracting credit data of the user, comparing the credit data of the user with an access/call threshold value of the post-payment interface, and if the credit data of the user is greater than or equal to the threshold value, creating a post-payment order of the decoration item as a decoration order.

In practical application, the user may not have experience related to decoration, and needs to confirm each item of information recorded in the decoration order, so that the user can intuitively perceive the transaction details, and after the decoration scheme is written into the decoration order, the decoration order including the decoration scheme is issued to the user for confirmation, and in an optional implementation manner provided in this embodiment, the method further includes:

writing scheme information input by the user and the merchant for the decoration project into the scheme template to generate the decoration scheme, and writing the decoration scheme into the decoration order;

and issuing the dress revision to the user to acquire an order confirmation instruction of the user.

Specifically, after a decoration order is created, writing scheme information input by a user and a merchant for a decoration project into a scheme template to generate a decoration scheme, writing the decoration scheme into the decoration order, issuing the decoration order to the user, and after the user confirms that the decoration order is finished, acquiring an order confirmation instruction of the user so as to execute tasks of decoration nodes in the decoration scheme according to the order confirmation instruction; in the process of order confirmation by the user, the fund payment protocol can be determined so as to acquire the account authority of the user account for fund transfer processing.

For example, after the decoration order is created, writing scheme information input by a user and a merchant for an outdoor decoration project into a scheme template to generate a decoration scheme, writing the decoration scheme into the decoration order, issuing the decoration order to the user, submitting an order confirmation instruction through page interaction, and acquiring the order confirmation instruction so as to perform order processing of the decoration order according to the order confirmation instruction.

In practical application, a merchant may require a user to pay for charging by a repair scheme to reduce management risk and ensure rights of the merchant, a predetermined amount may be set in a repair order, and task execution of repair nodes in the repair scheme is performed after the user pays the predetermined amount, and in an alternative implementation manner provided in this embodiment, further includes:

according to the preset amount recorded by the decoration order, deducting money according to the preset amount based on the user account;

and after detecting the payment instruction of the user, transferring funds from the user account according to the preset amount, and transferring the transferred funds to a merchant account.

Specifically, a predetermined amount recorded in the decoration order is read, deduction processing is performed on the predetermined amount based on a user account of the user, after the user submits a payment instruction, funds corresponding to the predetermined amount are transferred from the user account of the user, and the transferred funds are transferred to a merchant account of a merchant performing decoration transaction with the user, wherein the predetermined amount can be a decoration scheme design amount.

For example, according to the decoration scheme design amount recorded in the decoration order, deducting money from the decoration scheme design amount based on the user account, transferring funds corresponding to the decoration scheme design amount from the user account after the user submits the payment instruction, and transferring the transferred funds into the merchant account of the merchant.

When the method is implemented, after a user submits a decoration order through a post-payment interface, the decoration order submitted by the user through the post-payment interface is obtained, and a decoration scheme contained in the decoration order is extracted from the decoration order, so that whether the node state of a decoration node recorded in the decoration scheme is a task execution state or not is detected, if the node state of any decoration node in the decoration scheme is the task execution state, a task execution instruction of the decoration node is generated and issued to an executing party, so that the executing party executes tasks for the decoration node, and if the node states of all decoration nodes in the decoration scheme are not the task execution state, no processing is performed.

Step S204, if the node state of any one of the decoration nodes in the decoration scheme is a task execution state, generating a task execution instruction of the decoration node and issuing the task execution instruction to an executive party so that the executive party performs task execution on the decoration node.

When the method is implemented, based on the acquired decoration scheme, whether the node state of the decoration nodes in the decoration scheme is a task execution state is detected, and if the node state of any one decoration node is the task execution state, a task execution instruction of the decoration node is generated and issued to an executive party corresponding to the decoration node, so that the executive party corresponding to the decoration node executes the task for the decoration node; the executing party may be a task executing party of a task corresponding to the decoration node, for example: the construction party can also be a merchant performing decoration transaction with the user, and can also be a task executive party delegated by the merchant performing decoration transaction with the user, such as: and the construction party delegated by the merchant.

Taking a facility reconstruction node as an example, in the decoration scheme, the generating and issuing of a task execution instruction of any one of the decoration nodes are similar to the processing procedure of the facility reconstruction node, and the processing procedure of the facility reconstruction node is referred to, which is not repeated herein, and in the case that it is detected that the node state of the facility reconstruction node is the task execution state, in an optional implementation manner provided in this embodiment, if the node state of any one of the decoration nodes is the task execution state in the decoration scheme, the task execution instruction of the decoration node is generated and issued to an executing party, so that the executing party performs task execution on the decoration node, including: if the facility transformation node in the decoration scheme is in a task execution state, generating a task execution instruction of the facility transformation node and issuing the task execution instruction to a constructor so that the constructor can conduct facility transformation processing on the facility transformation node.

For example, based on the obtained decoration scheme, the node state of the hydropower transformation node in the decoration scheme is detected to be the task execution state, and the task execution instruction of the hydropower transformation node is generated and issued to the hydropower construction party so that the hydropower construction party performs task execution on the hydropower transformation node.

In practical applications, it is possible that a merchant may have difficulty in completing task execution of the decoration node without funds injection, and in order to reduce the fund pressure of the merchant, a payment-substituting mechanism may be introduced to pay a fee to the merchant before the merchant performs task execution of the decoration node, so that the merchant has funds to perform task execution of the decoration node.

And transferring funds from an institution account of a payment agency according to the payment amount of the decoration node, and transferring the transferred funds to the collection account.

Specifically, under the condition that the node state of any one of the repairing nodes in the repairing scheme is detected to be the task execution state, transferring funds corresponding to the money-withdrawing amount from an institution account of a payment agency according to the money-withdrawing amount of the repairing nodes, and transferring the transferred funds to a collection account; the payment-replacing mechanism can be a guarantee mechanism, a financial mechanism and/or a guarantee mechanism.

For example, in a decoration order of an outdoor decoration project, when it is detected that a node state of a landscape architecture reconstruction node is a task execution state in a decoration scheme recorded in the decoration order, funds corresponding to the money amount are transferred from an institution account of a guarantee institution according to the money amount of the landscape architecture reconstruction node, and the transferred funds are transferred to a landscape architecture party account, so that a landscape architecture party has funds to execute the task execution of the landscape architecture reconstruction node.

Step S206, acquiring an acceptance confirmation instruction submitted by the user for the decoration node.

After the task execution instruction is issued to the executive side corresponding to the decoration node, under the condition that the executive side finishes the task execution of the decoration node, acquiring an acceptance confirmation instruction submitted by a user aiming at the task execution condition of the decoration node, specifically, acquiring the acceptance confirmation instruction after the user submits the acceptance confirmation instruction aiming at the task completion condition of the decoration node, so that the user and a merchant can process possible disputes in the decoration transaction process according to the acceptance confirmation information.

In the specific confirmation process, a user can conduct acceptance confirmation on the task execution condition of the decoration node in an online manner and submit an acceptance confirmation instruction, or an executive party corresponding to the decoration node can upload pictures/videos of the task execution condition of the decoration node, the user can browse the pictures/videos of the task completion picture of the decoration node in an online manner to conduct acceptance confirmation and submit the acceptance confirmation instruction, and the acceptance confirmation instruction can be submitted by the user through page interaction.

In practical application, before acquiring the acceptance confirmation instruction submitted by the user, after the execution of the task of the decoration node by the execution party is completed, the execution party may submit an acceptance application for the decoration node, so that the user may accept the decoration node according to the acceptance reminding information.

Acquiring an acceptance application submitted by the executive party aiming at the decoration node;

and responding to the acceptance application, generating acceptance reminding information of the decoration node and issuing the acceptance reminding information to the user.

Specifically, after the task execution of the decoration node by the execution party is completed, acquiring an acceptance application submitted by the execution party to the decoration node, responding to the acceptance application, generating acceptance reminding information of the decoration node and issuing the acceptance reminding information to a user, so that the user can accept the decoration node according to the acceptance reminding information and submit an acceptance confirmation instruction; the acceptance reminding information can be voice reminding information, page reminding information or short message reminding information.

For example, after the hydropower construction policy finishes hydropower transformation of the hydropower transformation node, the hydropower construction policy submits an acceptance application of the hydropower transformation node, generates an acceptance prompt page of the hydropower transformation node according to the acceptance application, and issues the acceptance prompt page to a user so that the user can perform acceptance processing of the decoration node and submit an acceptance confirmation instruction according to the acceptance prompt page.

And step S208, responding to the acceptance confirmation instruction, and carrying out the fund transfer processing from the user account to the collection account according to the payment amount of the decoration node.

In specific implementation, based on the obtained inspection and acceptance confirmation instruction of the decoration node, the funds transfer processing from the user account to the collection account is performed according to the payment amount corresponding to the decoration node recorded in the decoration order, so that the user can perform the decoration processing of any one of the decoration stages of the decoration item, and after the inspection and acceptance confirmation of the decoration stage, the user pays for the decoration stage, namely: the user can finish the decoration stage corresponding to the decoration node through a post-payment decoration transaction mode.

Taking the facility reconstruction node as an example, when the condition that the facility reconstruction node is in a task execution state is detected, generating a task execution instruction of the facility reconstruction node and issuing the task execution instruction to a facility reconstruction executive party; based on this, in the process of performing the funds transfer process, the funds transfer process may be performed from the user account to the collection account according to the payment amount of the facility transformation node, and in a specific alternative implementation provided in this embodiment, the funds transfer process from the user account to the collection account according to the payment amount of the decoration node includes: and carrying out funds transfer processing from the user account to the constructor account according to the money amount of the facility transformation node.

For example, in the case of confirmation of acceptance of the hydropower reconstruction node, the funds transfer process from the user account to the hydropower construction side account is performed in accordance with the amount of the payment of the hydropower reconstruction node recorded in the finishing order.

Further, after the funds transfer process is completed for the facility transformation node, the next decoration node of the facility transformation node may be recorded in the decoration scheme, where the next decoration node may be a next decoration node arranged according to a decoration sequence, or may be any one of the decoration nodes, so that, in order to enable decoration to be performed continuously, execution of the next decoration node of the facility transformation node may be performed continuously, and in an optional implementation provided in this embodiment, further includes:

if the funds transfer is successful, generating a task execution instruction of a next decoration node of the facility transformation node and issuing the task execution instruction to an executive party so that the executive party performs task execution on the next decoration node;

if the funds transfer fails, no processing is performed.

For example, after the fund transfer treatment of the payment amount for the hydropower transformation node is successful, generating a task execution instruction of the next wall transformation node of the hydropower transformation node according to the decoration sequence and issuing the task execution instruction to a wall construction party so that the wall construction party carries out wall transformation construction treatment for the wall transformation node; or after the funds transfer processing of the payment amount of the hydropower transformation node is successful, generating a task execution instruction of the hardcover transformation node and issuing the task execution instruction to the hardcover construction party, so that the hardcover construction party performs hardcover construction on the hardcover transformation node.

In addition, for the case of the funds transfer failure, the method can also be used for processing in a mode of marking the decoration order as a termination state, or the decoration order is converted to obtain the original decoration order, and the original decoration order is synchronized with the transaction platform, so that the transaction platform can process the order of the original decoration order.

It should be noted that, the generation and the issuing of the task execution instruction of the next decoration node of any one decoration node in the decoration scheme are similar to the processing procedure of the next decoration node of the facility transformation node provided above, and the processing procedure of the next decoration node of the facility transformation node provided above is referred to, which is not described in detail herein.

In practical application, in the process of performing funds transfer processing of the payment amount of the decoration node, a condition of funds transfer failure may occur, so that a merchant cannot receive funds corresponding to the payment amount transferred from the user account, and the business risk of the merchant is increased.

Transferring funds from the user account according to the money amount of the decoration node;

if the funds are successfully transferred out, no treatment is carried out;

if the funds transfer fails, transferring the funds from the institution account of the payment institution according to the payment amount, and transferring the transferred funds to the merchant account;

and opening account rights of the user account to the payment replacing mechanism so that the payment replacing mechanism carries out deduction processing from the user account based on the account rights.

Specifically, in response to the acceptance confirmation instruction of the decoration node, according to the payment amount corresponding to the decoration node of the decoration scheme recorded in the decoration order, transferring funds corresponding to the payment amount from the user account, under the condition that the transferring of funds fails, transferring funds corresponding to the payment amount from the mechanism account of the payment mechanism, transferring the transferred funds to the merchant account of the merchant, and further, opening account authority of the user account to the payment mechanism, so that the payment mechanism can deduct money from the user account based on the account authority of the user account, namely: and the payment replacing mechanism carries out the additional payment of funds to the user.

For example, according to the payment amount of the hydropower transformation node recorded in the decoration order, after the funds are transferred out from the user account and fail, transferring funds corresponding to the payment amount from the mechanism account of the guarantee mechanism to the merchant account, and opening the account authority of the user account to the guarantee mechanism, so that the guarantee mechanism can carry out the additional payment of the funds to the user.

In addition, in the case that the fund transfer processing of the payment amount of the decoration node fails, the user may be reminded to pay by issuing payment reminding information to the user, and after the payment period of the payment reminding information record arrives, if the user has not paid, a payment default record of the user may be generated.

if the funds are successfully transferred out, no treatment is carried out;

if the fund transfer fails, issuing payment reminding information of the payment amount to the user;

and after the payment period of the payment reminding information record expires, transferring funds from the user account, and generating a payment default record of the user after the transfer failure of the funds.

Specifically, in response to the acceptance confirmation instruction of the decoration node, according to the money-withdrawing amount corresponding to the decoration node recorded in the decoration order, transferring funds corresponding to the money-withdrawing amount from the user account, generating payment reminding information for the money-withdrawing amount and issuing the payment reminding information to the user under the condition that the money transfer fails, transferring the funds from the user account after the payment period recorded by the payment reminding information expires, and generating a payment default record for the money-withdrawing amount by the user under the condition that the money transfer fails; the payment reminding information can be a payment reminding short message, a payment reminding telephone, a payment reminding mail and/or a payment reminding page, and in addition, the payment reminding information can also be a payment reminding message issued to a user through a post-payment interface.

For example, according to the payment amount of the hydropower transformation node recorded in the decoration order, after the funds transfer failure is carried out from the user account, a payment reminding short message of the payment amount is generated and issued to the user, after the payment deadline date of the payment reminding short message record expires, the funds transfer is carried out from the user account, and under the condition that the funds transfer failure is carried out, a payment default record of the payment amount is generated for the user.

In practical application, on the basis of issuing payment reminding information to the user, the user may forget the payment period, and pay the payment amount after the payment period of the payment reminding information record expires, for this purpose, the payment breach record of the user may be updated in terms of performing performance, and whether the credit data of the user reaches the post-payment threshold value is detected, so that the processing of the next decoration node of the decoration node may be performed when the user reaches the post-payment condition.

Under the condition that the user submits a payment instruction for the payment amount is detected, performing treatment on the payment breach record of the user according to the payment information of the user, and detecting whether the credit data of the user reaches a threshold value or not;

if so, under the condition that the node state of the next repairing node of the finishing node is detected to be the task execution state, generating a task execution instruction of the next repairing node and issuing the task execution instruction to an executive party so that the executive party performs task execution on the next repairing node;

if not, no treatment is carried out.

Specifically, after the payment breach record of the user is generated, if a payment instruction submitted by the user for the payment amount is detected, updating the payment breach record of the user into a performance state according to the payment information of the user, detecting whether credit data of the user reaches a threshold value for accessing/calling a post-payment interface, and if so, generating a task execution instruction of a next repair node and issuing the task execution instruction to a corresponding executive party under the condition that the node state of the next repair node of the decoration node is detected to be the task execution state, so that the executive party performs task execution on the next repair node.

For example, after the payment breach record of the user is generated, a payment instruction submitted by the user for the payment instruction is detected, the payment breach record of the user is updated to a performance state according to the payment information of the user, the credit data of the user is detected as x reaching a threshold value for accessing the post-payment interface, the node state of the next wall reconstruction node of the hydropower reconstruction node is detected as a task execution state, and the task execution instruction of the wall reconstruction node is generated and issued to a wall construction party.

In addition, for another case that the credit data of the user does not reach the threshold, the authority of the user to access/call the post-payment interface may be cancelled, for this purpose, the decoration order may be converted into an original decoration order, so that the user may continue to perform decoration transaction with the merchant through other decoration transaction modes, and in an optional implementation provided in this embodiment, if the result of executing after detecting whether the credit data of the user reaches the threshold operation is no, the following operations are executed: and converting the decoration order to obtain an original decoration order, and synchronizing the original decoration order to a transaction platform so that the transaction platform performs order processing of the original decoration order. Optionally, the original finishing order is executed after the user pays for the original finishing order.

Specifically, after the payment breach record of the user is updated to a performance state, under the condition that the credit data of the user does not reach the threshold value of the access/call postpaid interface, converting the decoration order to obtain an original decoration order, and synchronizing the original decoration order with a transaction platform so that the user can process the order of the original decoration order on the transaction platform; the order processing of the original decoration order can be that a user pays for a preset amount recorded by the original decoration order in the process of decoration transaction between the user and a merchant, the transaction platform issues a decoration task execution instruction to the merchant after receiving the payment instruction of the user, and after the merchant completes execution of the decoration task, the transaction platform carries out fund transfer processing from a user account to a merchant account for the tail amount recorded by the original decoration order.

In practical applications, the user may not pay the payment amount based on the generation of the payment breach record of the user, for which the finishing order may be terminated, and in an alternative implementation provided in this embodiment, the method further includes: after the deduction period of the deduction amount expires, deducting the deduction amount based on the user account;

And if the deduction fails, marking the decoration order as a termination state.

Specifically, after the payment breach record of the user is generated, after the deduction period of the deducted amount expires, the deducted amount is processed based on the user account, and under the condition that the deduction fails, the finishing order is marked as a termination state so as to terminate the execution of the finishing order.

As described above, the payment-replacing mechanism can pay to the collection account of the executive party before the task execution of the decoration node, and when the condition that the facility transformation node is in the task execution state is detected, the funds transfer processing from the mechanism account of the payment-replacing mechanism to the collection account is performed according to the payment amount of the decoration node; based on this, after the user submits the acceptance confirmation instruction, the user pays to the institution account of the payment agency, and in an alternative implementation manner provided in this embodiment, the funds transfer process from the user account to the collection account is performed according to the payment amount of the decoration node, which includes: and performing funds transfer processing from the user account to the institution account according to the payment amount of the decoration node.

For example, in the case where the vouching institution makes a payment to the garden constructor account, in response to an acceptance confirmation instruction of the landscape modification node, a funds transfer process from the user account to the institution account of the vouching institution is performed in accordance with the amount of money paid by the landscape modification node.

In the case where the payment is made by the payment agency to the collection account before the task execution instruction of the decoration node is generated, if the funds transfer process from the user account to the agency account fails, the funds transfer process from the user account to the collection account may also be processed by a processing method of the funds transfer process failure, for example: and under the condition that the payment is carried out by the payment agency to the collection account before the task execution instruction of the decoration node is generated, carrying out fund transfer from the user account according to the payment amount of the decoration node. And if the funds transfer fails, opening the account authority of the user account to the payment-substituting mechanism so that the payment-substituting mechanism carries out payment deduction processing from the user account based on the account authority.

In summary, in the method for processing one or more decoration transactions provided in this embodiment, during the process of performing decoration transactions between a user and a merchant, a decoration scheme recorded in a decoration order submitted by the user through a post-payment interface is obtained, when the node state of any one decoration node in the decoration scheme is detected to be a task execution state, a task execution instruction of the decoration node is generated and issued to an executing party, so that the executing party performs task execution on the decoration node, after the task execution situation of the user on the decoration node is checked and confirmed, a check confirmation instruction submitted by the user on the decoration node is obtained, and in response to the check confirmation instruction, funds transfer processing from a user account to a collection account is performed according to the payment amount of the decoration node, so that after the user submits the decoration order through the post-payment interface, task execution at a decoration stage corresponding to the decoration node is performed by the executing party, and after the check of the user passes the decoration stage, the user pays for the payment amount corresponding to the decoration node, and meanwhile, the risk of the merchant is reduced by providing a post-payment transaction experience;

Further, when the merchant performs a large-area home decoration project or a large-scale outdoor project, funds provided by a single payment mechanism may not be enough for performing task execution of a decoration node, multiple payment modes may be provided, funds are provided to the merchant by a mode that a plurality of payment mechanisms provide funds together, and the payment proportion of the funds of each payment mechanism can be determined according to credit data of a user and/or credit data of the merchant.

The following describes the decoration transaction processing method provided in this embodiment by taking the application of the decoration transaction processing method provided in this embodiment to a home decoration scene as an example, and referring to fig. 3, the decoration transaction processing method applied to the home decoration scene specifically includes the following steps.

Step S302, an initial home decoration order submitted by a user calling a postpaid interface at a transaction platform is obtained, and a home decoration scheme is written into the initial home decoration order to obtain a decoration order.

The home decoration scheme is generated by writing scheme information input by a user and a merchant for home decoration projects into a scheme template. The house decoration scheme comprises main body reconstruction nodes, hydropower reconstruction nodes, wall reconstruction nodes, hard decoration reconstruction nodes and soft decoration reconstruction nodes.

And S304, deducting money from the user account according to the design amount of the decoration scheme recorded by the decoration order.

And step S306, after detecting the payment instruction of the user, transferring funds corresponding to the design amount of the decoration scheme from the user account, and transferring the transferred funds to the merchant account.

Step S308, if the node state of the target transformation node in the home decoration scheme is detected to be the task execution state, generating a task execution instruction of the target transformation node and issuing the task execution instruction to an executing party.

The target transformation node is any one of a main body transformation node, a hydropower transformation node, a wall transformation node, a hard loading transformation node and a soft loading transformation node which are contained in a house decoration scheme.

Step S310, acquiring an acceptance confirmation instruction submitted by a user aiming at a target transformation node.

Step S312, responding to the acceptance confirmation instruction, and carrying out the fund transfer processing from the user account to the executive account according to the payment amount of the target transformation node.

In step S314, if a failure of transferring funds is detected, transferring funds from the institution account of the guarantee institution according to the amount of the payment, and transferring the transferred funds to the account of the executive party.

Step S316, opening account rights of the user account to the vouching mechanism, so that the vouching mechanism carries out deduction processing from the user account based on the account rights.

The following describes the decoration transaction processing method provided in this embodiment further by taking the application of the decoration transaction processing method provided in this embodiment to an outdoor decoration scene as an example, and referring to fig. 4, the decoration transaction processing method applied to the outdoor decoration scene specifically includes the following steps.

Step S402, obtaining an outdoor decoration scheme submitted by a user in a post-payment service, and generating a decoration order containing the outdoor decoration scheme based on the outdoor decoration scheme.

The outdoor decoration scheme is generated by writing scheme information input by a user and a merchant for the outdoor decoration project into a scheme template. The outdoor decoration scheme comprises main body mapping nodes, facility arrangement nodes, ground reconstruction nodes and landscape reconstruction nodes.

Step S404, if the node state of the target decoration node in the outdoor decoration scheme is detected to be the task execution state, generating a task execution instruction of the target decoration node and issuing the task execution instruction to an executive party.

The target decoration node is any one of a main body mapping node, a facility arrangement node, a ground reconstruction node and a landscape reconstruction node which are contained in the outdoor decoration scheme.

Step S406, obtaining an acceptance application submitted by the execution party for the target decoration node.

Step S408, in response to the acceptance application instruction, the acceptance reminding information of the target decoration node is generated and issued to the user.

Step S410, acquiring an acceptance confirmation instruction submitted by the user for the target decoration node.

In step S412, in response to the acceptance confirmation instruction, a funds transfer process from the user account to the executive account is performed in accordance with the amount of the money paid by the target decoration node.

In step S414, if the successful funds transfer is detected, a task execution instruction of the next decoration node of the target decoration node is generated and issued to the executing party.

An embodiment of a decoration transaction processing device provided in the present specification is as follows:

in the above-described embodiments, a decoration transaction processing method and a decoration transaction processing apparatus corresponding thereto are provided, and the description is given below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of an embodiment of a decoration transaction processing device according to the present embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a decoration transaction processing device, including:

A decoration scheme acquisition module 502 configured to acquire a decoration scheme recorded in a decoration order submitted by a user through a post-payment interface; the decoration scheme is generated by writing scheme information input by the user and a merchant for decoration projects into a scheme template.

If the node status of any repair node in the decoration scheme is a task execution status, a task execution instruction issuing module 504 is operated, and the task execution instruction sending module 504 is configured to generate a task execution instruction of the decoration node and issue the task execution instruction to an executing party, so that the executing party performs task execution on the decoration node.

An acceptance confirmation instruction acquisition module 506 configured to acquire an acceptance confirmation instruction submitted by the user for the finishing node.

And a funds transfer processing module 508 configured to perform funds transfer processing from a user account to a collection account in accordance with the amount of funds deposited by the decoration node in response to the acceptance confirmation instruction.

An embodiment of a finishing transaction processing device provided in the present specification is as follows:

in correspondence to a decoration transaction processing method described above, one or more embodiments of the present disclosure further provide a decoration transaction processing apparatus for performing the decoration transaction processing method provided above, and fig. 6 is a schematic structural diagram of a decoration transaction processing apparatus provided in one or more embodiments of the present disclosure, based on the same technical concept.

The decoration transaction processing device provided in this embodiment includes:

as shown in fig. 6, the finishing transaction processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, where the memory 602 may store one or more storage applications or data. Wherein the memory 602 may be transient storage or persistent storage. The application program stored in the memory 602 may include one or more modules (not shown), each of which may include a series of computer executable instructions in the finishing transaction processing device. Still further, the processor 601 may be configured to communicate with the memory 602 and execute a series of computer executable instructions in the memory 602 on the finishing transaction processing device. The finishing transaction processing device may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input/output interfaces 605, one or more keyboards 606, and the like.

In one particular embodiment, a finishing transaction processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the finishing transaction processing device, and execution of the one or more programs by one or more processors comprises computer-executable instructions for:

Acquiring a decoration scheme recorded in a decoration order submitted by a user through a post-payment interface; the decoration scheme is generated by writing scheme information input by the user and a merchant aiming at decoration projects into a scheme template;

if the node state of any one of the decoration nodes in the decoration scheme is a task execution state, generating a task execution instruction of the decoration node and issuing the task execution instruction to an executive party so that the executive party performs task execution on the decoration node;

acquiring an acceptance confirmation instruction submitted by the user aiming at the decoration node;

and responding to the acceptance confirmation instruction, and carrying out funds transfer processing from the user account to the collection account according to the payment amount of the decoration node.

An embodiment of a storage medium provided in the present specification is as follows:

in accordance with a decoration transaction processing method described above, one or more embodiments of the present disclosure further provide a storage medium based on the same technical concept.

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

It should be noted that, the embodiments of the storage medium in the present specification and the embodiments of the decoration transaction processing method in the present specification are based on the same inventive concept, so that the specific implementation of the embodiments may refer to the implementation of the corresponding method, and the repetition is omitted.

In this specification, each embodiment is described in a progressive manner, and the same or similar parts of each embodiment are referred to each other, and each embodiment focuses on the differences from other embodiments, for example, an apparatus embodiment, and a storage medium embodiment, which are all similar to a method embodiment, so that description is relatively simple, and relevant content in reading apparatus embodiments, and storage medium embodiments is referred to the part description of the method embodiment.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

One skilled in the relevant art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A finishing transaction processing method, comprising:

2. A decoration transaction processing method according to claim 1, said decoration order being obtained by:

3. The finishing transaction processing method according to claim 1, wherein before the step of acquiring the finishing plan recorded in the finishing order submitted by the user through the post-payment interface is performed, the method further comprises:

if yes, creating a post-paid order of the decoration item as the decoration order.

4. The finishing transaction processing method according to claim 1, wherein before the step of acquiring the finishing plan recorded in the finishing order submitted by the user through the post-payment interface is performed, the method further comprises:

5. The decoration transaction processing method according to claim 1, wherein if the node status of any one of the decoration nodes in the decoration scheme is a task execution status, generating a task execution instruction of the decoration node and issuing the task execution instruction to an executing party, so that the executing party performs task execution on the decoration node, including:

if the facility transformation node in the decoration scheme is in a task execution state, generating a task execution instruction of the facility transformation node and issuing the task execution instruction to a construction party so that the construction party carries out facility transformation processing on the facility transformation node;

correspondingly, the fund transfer processing from the user account to the collection account is carried out according to the payment amount of the decoration node, and the fund transfer processing comprises the following steps:

and carrying out funds transfer processing from the user account to the constructor account according to the money amount of the facility transformation node.

6. The finishing transaction processing method according to claim 5, wherein after the step of performing the funds transfer processing from the user account to the collection account in accordance with the payment amount of the finishing node in response to the acceptance confirmation instruction, further comprising:

and if the funds transfer is successful, generating a task execution instruction of a next finishing node of the facility transformation node and issuing the task execution instruction to an executive party so that the executive party performs task execution on the next finishing node.

7. The finishing transaction processing method according to claim 1, wherein the funds transfer processing from the user account to the collection account is performed in accordance with the payment amount of the finishing node, comprising:

8. The finishing transaction processing method according to claim 1, wherein the funds transfer processing from the user account to the collection account is performed in accordance with the payment amount of the finishing node, comprising:

9. The finishing transaction processing method of claim 8, further comprising:

if so, under the condition that the node state of the next repairing node of the finishing node is detected to be the task execution state, generating a task execution instruction of the next repairing node and issuing the task execution instruction to an executive party so that the executive party can execute the task for the next repairing node.

10. The finishing transaction processing method according to claim 9, wherein if the result of the execution after the execution of the operation of detecting whether the credit data of the user reaches the threshold value is no, the following operations are executed:

converting the decoration order to obtain an original decoration order, and synchronizing the original decoration order to a transaction platform so that the transaction platform performs order processing of the original decoration order;

wherein the original finishing order is executed after the user pays for the original finishing order.

11. The finishing transaction processing method of claim 8, further comprising:

after the deduction period of the deduction amount expires, deducting the deduction amount based on the user account;

12. The decoration transaction processing method according to claim 1, wherein if the node status of any one of the decoration nodes in the decoration scheme is a task execution status, generating a task execution instruction of the decoration node and issuing the task execution instruction to an executing party, so that after the executing party performs the task execution step on the decoration node, and before the step of acquiring the acceptance confirmation instruction submitted by the user on the decoration node is performed, the method further comprises:

13. The finishing transaction processing method of claim 1, further comprising:

14. The finishing transaction processing method according to claim 1, wherein the generating and issuing the task execution instruction of the finishing node to an executing party, before the executing party performs task execution operation execution on the finishing node, further comprises:

according to the payment amount of the decoration node, transferring funds from an institution account of a payment agency, and transferring the transferred funds to a collection account of the executive party;

and performing funds transfer processing from the user account to the institution account according to the payment amount of the decoration node.

15. A finishing transaction processing device, comprising:

the decoration scheme acquisition module is configured to acquire decoration schemes recorded in decoration orders submitted by users through the postpaid interface; the decoration scheme is generated by writing scheme information input by the user and a merchant aiming at decoration projects into a scheme template;

if the node state of any one of the decoration nodes in the decoration scheme is a task execution state, a task execution instruction issuing module is operated, and the task execution instruction issuing module is configured to generate a task execution instruction of the decoration node and issue the task execution instruction to an executive party so that the executive party performs task execution on the decoration node;

The acceptance confirmation instruction acquisition module is configured to acquire an acceptance confirmation instruction submitted by the user aiming at the decoration node;

and the fund transfer processing module is configured to respond to the acceptance confirmation instruction and conduct fund transfer processing from a user account to a collection account according to the payment amount of the decoration node.

16. A finishing transaction processing device, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

17. A storage medium storing computer-executable instructions that when executed by a processor implement the following: