CN109272327B - Refund tracking method, transaction guarantee platform, terminal and readable storage medium - Google Patents
Refund tracking method, transaction guarantee platform, terminal and readable storage medium Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
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Abstract
The invention discloses a refund tracking method of a transaction guarantee platform based on double-stage double-track authorization, which comprises the following steps: responding to a refund request initiated by a channel party to be refunded, and acquiring a refund guarantee protocol; determining whether a channel party to be refunded meets a preset refund condition according to the refund request limit and the refund guarantee protocol; when the channel party to be refunded meets the refund condition, calculating the refund unit price and the refund total amount of refund of the channel party to be refunded from the refund responsibility direction according to the refund request amount and the refund guarantee agreement; acquiring an account number bound by a channel party to be refunded, and transferring the refund total amount transferred by a refund responsibility party to the channel party to be refunded; and according to the refund total amount, modifying the available authorization amount of the channel party to be refunded and the refund responsible party. The invention also discloses a transaction guarantee platform, a terminal and a readable storage medium. The technical scheme of the invention aims to solve the problem that the operation risk of each channel party cannot be guaranteed in the process of managing and controlling each channel party by a merchant.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a refund tracking method of a transaction security platform based on double-stage double-track authorization, a transaction security platform, a terminal and a computer-readable storage medium applying the refund tracking method of the transaction security platform based on double-stage double-track authorization.
Background
With the rapid development and popularization of the internet, electronic commerce (e-commerce) is rapidly developed in the world, e-commerce is introduced to well-known large enterprises and medium and small merchants, and the e-commerce mode is more and more diversified. The e-commerce mode is generally used for providing commodity trading service, a buyer and a seller are a merchant and a customer, and in the prior art, the merchant generally controls all channel parties through a manual control mode, and in the manual control process, after all channel parties obtain the sales limit authorization of the merchant, the merchant cannot provide the guarantee service of sales limit refund for the channel parties, so that the operation risk of all channel parties cannot be guaranteed.
Disclosure of Invention
The invention mainly aims to provide a refund tracking method of a transaction guarantee platform based on two-stage double-track authorization, and aims to solve the problem that the operation risk of each stage of channel party cannot be guaranteed in the process of controlling each stage of channel party by a merchant.
In order to achieve the above purpose, the refund tracking method of the transaction security platform based on the dual-stage dual-track authorization provided by the invention comprises the following steps:
responding a refund request initiated by a channel party to be refunded, and acquiring a corresponding refund guarantee protocol, wherein a refund request amount is recorded in the refund request, a refund responsible party for taking refund responsibility for the channel party to be refunded is recorded in the refund guarantee protocol, and the refund responsible party is a higher level corresponding to a higher level channel party of the channel party to be refunded;
determining whether the channel party to be refunded meets a preset refund condition or not according to the refund request limit and the refund guarantee protocol;
when the channel party to be refunded meets the preset refund condition, calculating the refund unit price and the refund total amount of refund of the refund responsibility party to the channel party to be refunded according to the refund request amount and the refund guarantee agreement;
acquiring the account number bound by the channel party to be refunded, and transferring the refund total amount transferred by the refund responsible party to the channel party to be refunded;
and according to the refund total amount, modifying the available authorization amount of the channel party to be refunded and the refund responsible party.
Preferably, the step of determining whether the channel party to be refunded meets a preset refund condition according to the refund request quota and the refund guarantee agreement includes:
determining whether the channel party to be refunded is an intermediate channel party or a selling channel party according to the identity information of the channel party to be refunded;
when the identity information is an intermediate channel party, acquiring the payment amount of the channel party to be refunded for purchasing the amount and the collection amount of the channel party to be refunded for selling the amount;
and when the collection amount is smaller than the payment amount, determining that the channel party to be refunded meets a preset refund condition.
When the identity information is a selling channel party, acquiring the payment amount of the channel party to be refunded for purchasing the amount and the selling amount of the channel party to be refunded;
and when the sales amount is smaller than the payment amount, determining that the channel party to be refunded meets a preset refund condition.
Preferably, before the step of determining, according to the identity information of the channel party to be refunded, whether the channel party to be refunded is an intermediate channel party or a selling channel party, the method further includes:
judging whether an authorization record authorized by the channel to be refunded to the subordinate channel side exists;
if so, determining the identity information of the channel party to be refunded as an intermediate channel party;
if not, determining the identity information of the channel party to be refunded as a selling channel party.
Preferably, the channel party to be refunded is a selling channel party, and the step of calculating the refund unit price and the refund total amount of refund of the refund responsibility party to be refunded according to the request refund amount and the refund guarantee agreement comprises the following steps:
obtaining a refund mode selected by the channel party to be refunded;
and when the refund mode is a refund only mode, determining one or more of the quantity of the goods to be refunded, the unit price of the goods to be refunded, the sales quantity and the unit price of the sales unit according to the refund request limit and the refund guarantee agreement, and calculating a first refund unit price and a first refund total amount of refund of the refund responsibility direction and the channel party to be refunded.
Preferably, the channel party to be refunded is a selling channel party, and the step of calculating the refund unit price and the refund total amount of refund from the refund responsibility party to the channel party to be refunded according to the refund request amount and the refund guarantee agreement further includes:
when the refund mode is a refund and refund mode, determining one or more of the goods withdrawal quantity, the goods withdrawal unit price, the sales quantity, the sales unit price and the refund quantity of the channel party to be refunded according to the refund request limit and the refund guarantee agreement, and calculating a second refund unit price and a second refund total amount of refund of the channel party to be refunded from the refund responsibility direction; wherein the first refund unit price is greater than the second refund unit price.
Preferably, the channel side to be refunded is an intermediate channel side, and the step of calculating the refund unit price and the refund total amount of refund of the refund responsibility side to be refunded to the channel side to be refunded according to the request refund amount and the refund guarantee agreement comprises the following steps:
acquiring the contribution amount of the channel party to be refunded to the refund responsible party;
and calculating a third refund unit price and a third refund total amount of refund from the refund responsibility direction to the channel party to be refunded according to the contribution amount, the refund request amount and the refund guarantee agreement.
Preferably, the refund tracking method further comprises:
detecting the current refund request times of the channel party to be refunded and acquiring the set refund times;
and when the current refund request frequency does not exceed the set refund frequency, executing the refund request initiated by the channel party responding to the refund and acquiring a corresponding refund guarantee protocol.
In addition, in order to achieve the above object, the present invention further provides a system of a transaction assurance platform based on dual-stage dual-rail authorization, where the system of the transaction assurance platform applies any one of the above refund tracking methods of the transaction assurance platform based on dual-stage dual-rail authorization.
In addition, to achieve the above object, the present invention also provides a terminal, including: a memory, a processor, and a computer program stored on the memory and executable on the processor; the computer program when executed by the processor implements the steps of the method for refund tracking of a dual-stage dual-track authorization-based transaction assurance platform as described in any one of the above.
In addition, to achieve the above object, the present invention further provides a computer readable storage medium, having a computer program stored thereon, where the computer program is executed by a processor to implement the steps of the refund tracking method for a transaction assurance platform based on dual-stage dual-track authorization as described in any one of the above.
In the technical scheme of the invention, the refund tracking method firstly responds to a refund request initiated by a channel party to be refunded and acquires a corresponding refund guarantee protocol; determining whether the channel party to be refunded meets a preset refund condition according to the refund request amount and the refund guarantee protocol; when the channel party to be refunded meets the preset refund condition, calculating the refund unit price and the refund total amount of refund of the refund responsibility party to the channel party to be refunded according to the refund request amount and the refund guarantee agreement; acquiring the account number bound by the channel party to be refunded, and transferring the refund total amount transferred by the refund responsible party to the channel party to be refunded; and according to the refund total amount, modifying the available authorization amount of the channel party to be refunded and the refund responsible party. Therefore, after a refund request is initiated, a series of refund operations can be completed according to a refund guarantee protocol through the refund tracking method, refund of the channel side to be refunded is achieved, refund requirements of all levels of channel sides in a two-level double-track authorization control mode are met, and the problem that operation risks of all levels of channel sides cannot be guaranteed in the control process of all levels of channel sides by a merchant is solved.
Drawings
FIG. 1 is a flowchart illustrating a refund tracking method for a transaction assurance platform based on dual-stage dual-track authorization according to a first embodiment of the present invention;
FIG. 2 is a flowchart illustrating a refund tracking method for a transaction assurance platform based on dual-stage dual-track authorization according to a third embodiment of the present invention;
FIG. 3 is a flowchart illustrating a refund tracking method for a transaction assurance platform based on dual-stage dual-track authorization according to a fourth embodiment of the present invention;
FIG. 4 is a flowchart illustrating a refund tracking method for a transaction assurance platform based on dual-level and dual-track authorization according to a fifth embodiment of the present invention;
FIG. 5 is a flowchart illustrating a refund tracking method for a transaction assurance platform based on dual-level and dual-track authorization according to a sixth embodiment of the present invention;
fig. 6 is a schematic block diagram of a terminal according to an embodiment of the present invention.
The objects, features and advantages of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in itself. Thus, "module", "component" or "unit" may be used mixedly.
Referring to fig. 1, to achieve the above object, a first embodiment of the present invention provides a refund tracking method for a transaction assurance platform based on dual-level and dual-track authorization, including the following steps:
step S10, responding a refund request initiated by a channel party to be refunded and acquiring a corresponding refund guarantee protocol, wherein a refund request amount is recorded in the refund request, a refund responsible party bearing refund responsibility for the channel party to be refunded is recorded in the refund guarantee protocol, and the refund responsible party is a superior level corresponding to a superior channel party of the channel party to be refunded;
step S20, determining whether the channel party to be refunded meets the preset refund condition according to the refund request amount and the refund guarantee agreement;
when the channel party to be refunded meets the preset refund condition, executing the step S30, and calculating the refund unit price and refund total amount of the refund obligation party refunding to the channel party to be refunded according to the refund request amount and the refund guarantee agreement;
step S40, acquiring the account number bound by the channel party to be refunded, and transferring the refund total amount transferred by the refund responsibility party to the channel party to be refunded;
and step S50, according to the refund total amount, modifying the available authorization amount of the channel party to be refunded and the refund responsible party.
In the technical scheme of the invention, the refund tracking method firstly responds to a refund request initiated by a channel party to be refunded and acquires a corresponding refund guarantee protocol; determining whether the channel party to be refunded meets a preset refund condition according to the refund request amount and the refund guarantee protocol; when the channel party to be refunded meets the preset refund condition, calculating the refund unit price and the refund total amount of refund of the refund responsibility party to the channel party to be refunded according to the refund request amount and the refund guarantee agreement; acquiring the account number bound by the channel party to be refunded, and transferring the refund total amount transferred by the refund responsible party to the channel party to be refunded; and according to the refund total amount, modifying the available authorization amount of the channel party to be refunded and the refund responsible party. Therefore, after a refund request is initiated, a series of refund operations can be completed according to a refund guarantee protocol through the refund tracking method, refund of the channel side to be refunded is achieved, refund requirements of all levels of channel sides in a two-level double-track authorization control mode are met, and the problem that operation risks of all levels of channel sides cannot be guaranteed in the control process of all levels of channel sides by a merchant is solved.
In the transaction guarantee platform, channel parties or manufacturer parties at all levels can carry out quota authorization on subordinate parties to be authorized, so that the parties to be authorized become channel parties. The system can respond to the refund requirement according to the request initiated by each level of channel party, and at the moment, the channel party initiating the refund request is the channel party to be refunded.
After a manufacturer party or an initial channel direction transaction guarantee platform obtains authorization qualification, the manufacturer party or the initial channel direction transaction guarantee platform can continue authorization to channel parties at all levels step by step, each level authorizes the quota of a subordinate first level, each level undertakes a refund responsibility to a subordinate second level, and a two-level authorization control mode is achieved. The number of the lower channel parties of each channel party is two except for the manufacturer party or the initial channel party, so as to implement a dual-track authorization control mode, which is a combination of the dual-track authorization control mode and the dual-track authorization control mode, that is, the dual-track authorization mode in this embodiment. The scale of each layer is the same as the supply price. Amplifying the authorized amount between the upper and lower levels according to a preset amount amplification ratio, for example, when the preset amount amplification ratio is 1:10, if the authorized amount applied to the first channel party by the second channel party is 10 ten thousand, the first channel party needs to transfer 1 ten thousand of amount from the amount of the first channel party to the second channel party, and the first channel party earns 9 ten thousand of profits by selling 1 thousand of amount to the second channel party; when the preset credit amplification ratio is 1:5, if the second channel applies for 10 thousands of authorized credits to the first channel, the first channel needs to transfer 2 thousands of credits from the credit of the first channel to the second channel, and the first channel earns 8 thousands of profits by selling the 2 thousands of credits to the second channel. The amplification ratio of the quota between every two adjacent levels can be the same or different, or can be changed according to the setting of the quota transferor.
Further, the supply unit price is gradually increased from the manufacturer side or the initial channel side to the terminal seller side. So as to ensure that each level of channel can obtain profit through credit authorization. The refund guarantee agreement appoints a refund proportion and a refund responsible party which undertakes refund responsibility for the channel party to be refunded, and the refund responsible party is a superior stage corresponding to a superior channel party of the channel party to be refunded. Furthermore, refund conditions can be further agreed in the refund guarantee agreement. For example, when the first channel party initiates a refund guarantee request to a refund responsible party, whether the first channel party meets the refund condition is judged according to the refund guarantee agreement and the refund request quota; and when the first channel party meets the refund condition, calculating the refund amount of the refund responsible party, and transferring the refund amount transferred from the account corresponding to the refund responsible party to the account of the first channel party. Further, the refund guarantee agreement can further stipulate that the goods are not returned (only the authorized amount is returned) or other terms.
Based on the first embodiment of the refund tracking method of the transaction assurance platform based on dual-stage dual-rail authorization of the present invention, in the second embodiment of the refund tracking method of the transaction assurance platform based on dual-stage dual-rail authorization of the present invention, the step S20 includes:
step S21, determining whether the channel party to be refunded is an intermediate channel party or a selling channel party according to the identity information of the channel party to be refunded;
step S22, when the identity information is an intermediate channel party, obtaining the payment amount of the channel party to be refunded for purchasing the quota and the collection amount of the channel party to be refunded for selling the quota;
and step S23, when the collection amount is smaller than the payment amount, determining that the channel party to be refunded meets the preset refund condition.
Step S24, when the identity information is a selling channel side, obtaining the payment amount of the channel side to be refunded for purchasing the amount and the selling amount of the channel side to be refunded;
and step S25, when the sales amount is smaller than the payment amount, determining that the channel party to be refunded meets the preset refund condition.
The present embodiment is configured to provide a refund condition, where the refund condition may be that a channel party to be refunded is in a loss state. For example, when the collection amount (or the sales amount) is smaller than the payment amount, the channel party to be refunded does not obtain profit in the process of carrying out limit authorization on the channel party to the next level, and the loss state is met, that is, the preset refund condition is met; on the contrary, when the collection amount (or the sales amount) is larger than the payment amount, the channel party to be refunded obtains profits in the process of carrying out the amount authorization on the channel party at the next level, and does not meet the loss state, namely does not meet the preset refund condition.
Certainly, the refund condition can be set as required, for example, the refund can be performed according to whether the number of the subordinate channel parties of the channel party to be refunded meets the set condition, or according to whether the contribution amount of the channel party to be refunded to the superior channel party meets the set condition.
Referring to fig. 2, in a second embodiment of the refund tracking method based on the dual-stage dual-rail authorization based transaction assurance platform of the present invention, and in a third embodiment of the refund tracking method based on the dual-stage dual-rail authorization based transaction assurance platform of the present invention, before the step S21, the method further includes:
step S26, judging whether the credit limit authorization record of the channel to be refunded to the subordinate channel exists;
if yes, executing step S27, and determining the identity information of the channel party to be refunded as an intermediate channel party;
if not, executing step S28 to determine the identity information of the channel party to be refunded is the selling channel party.
The channel side can be divided into an intermediate channel side or a selling channel side, and the difference between the intermediate channel side and the selling channel side is that the intermediate channel side can continue to authorize the subordinate channel side corresponding to the subordinate channel side; the selling channel side has no corresponding lower channel side, namely no record of limit authorization for other sides.
Referring to fig. 3, according to the second embodiment or the third embodiment of the refund tracking method of the transaction assurance platform based on dual-level dual-track authorization of the present invention, in the fourth embodiment of the refund tracking method of the transaction assurance platform based on dual-level dual-track authorization of the present invention, the channel party to be refunded is a sales channel party, and the step S30 includes:
step S31, obtaining the refund mode selected by the channel party to be refunded;
step S32, when the refund mode is a refund only mode, determining one or more of the goods drawing quantity, the goods drawing unit price, the sales quantity and the sales unit price of the channel party to be refunded according to the refund request quota and the refund guarantee agreement, and calculating a first refund unit price and a first refund total amount of the refund responsibility direction refund of the channel party to be refunded.
The channel party to be refunded can select a refund mode when initiating the refund request, and the refund mode can comprise a refund mode (goods reservation) only or a refund and refund mode. Specifically, when calculating the first refund total amount, the sales performance and the loss amount of the sales channel side may be determined according to one or more of the delivery quantity, the delivery unit price, the sales quantity, and the sales unit price, when the sales performance is better, the corresponding first refund unit price may be higher, otherwise, when the sales performance is worse, the corresponding first refund unit price may be lower, and a specific calculation manner and formula of the first refund unit price and the first refund total amount may be agreed in the refund guarantee agreement. And is not particularly limited herein.
Referring to fig. 4, in a fourth embodiment of the refund tracking method for a transaction assurance platform based on dual-level dual-track authorization according to the present invention, the party to be refunded is a selling channel party, and in a fifth embodiment of the refund tracking method for a transaction assurance platform based on dual-level dual-track authorization according to the present invention, the step S30 further includes:
step S33, when the refund mode is a refund and refund mode, determining one or more of the goods drawing quantity, the goods drawing unit price, the sales quantity, the sales unit price and the refund quantity of the channel party to be refunded according to the refund request quota and the refund guarantee agreement, and calculating a second refund unit price and a second refund total amount of refund of the channel party to be refunded from the refund responsibility direction; wherein the first refund unit price is greater than the second refund unit price.
Specifically, when the second refund total amount is calculated, the sales performance of the sales channel party can be determined according to one or more of the delivery quantity, the delivery unit price, the sales quantity and the sales unit price, and the requested refund amount of the to-be-refund channel party can be determined according to the delivery quantity and the delivery unit price. When the sales performance is good, the corresponding second refund unit price may be higher, otherwise, when the sales performance is poor, the corresponding second refund unit price may be lower, and a specific calculation mode and formula of the second refund unit price and the total amount of the second refund may be agreed in the refund guarantee agreement. And is not particularly limited herein.
Referring to fig. 5, in a sixth embodiment of the refund tracking method for a transaction assurance platform based on dual-tier dual-rail authorization according to the present invention, the channel to be refunded is an intermediate channel, and the step S30 includes:
step S34, acquiring the contribution amount of the channel party to be refunded to the refund responsibility party;
step S35, calculating a third refund unit price and a third refund total amount of the refund responsibility direction refund to the channel party to be refunded according to the contribution amount, the request refund amount and the refund guarantee agreement.
It is easy to understand that the larger the contribution amount of the channel party to be refunded to the refund responsibility party is, the higher the third refund unit price is, and conversely, the smaller the contribution amount of the channel party to be refunded to the refund responsibility party is, the lower the third refund unit price is. The contribution amount can be determined in various ways, for example, according to the authorized amount and the amplification ratio of the amount purchased by the channel to be authorized from the superior channel, which is not limited herein.
Based on any one of the first to sixth embodiments of the refund tracking method for a transaction assurance platform based on dual-stage dual-rail authorization of the present invention, in a seventh embodiment of the refund tracking method for a transaction assurance platform based on dual-stage dual-rail authorization of the present invention, the refund tracking method for a transaction assurance platform based on dual-stage dual-rail authorization further includes:
step S60, detecting the current refund request times of the channel side to be refunded, and acquiring the set refund times;
when the number of current refund requests does not exceed the set number of refunds, step S10 is executed.
Refund times of all levels of channel parties can be agreed in the refund guarantee agreement, and the refund times are integers larger than or equal to 1. For example, when the refund frequency is set to be 1, the system only responds to the refund request initiated by the channel party to be refunded for the first time, and when the refund frequency is detected to be more than 1, the system does not respond to the refund request initiated by the channel party to be refunded; when the refund times are set to be more than 1, for example, the refund times are set to be 3, the system only responds to the 1 st to 3 rd refund requests initiated by the channel party to be refunded, and does not respond to the refund requests initiated by the channel party to be refunded when the refund times are detected to be more than 3.
Further, in the technical solution of the present embodiment, the validity period may be set for a set refund count, for example, the set refund count is a refund count within a half year, a refund count within a year, or a refund count in the entire cooperation period.
In addition, in order to achieve the above object, the present invention further provides a system of a transaction assurance platform based on dual-stage dual-rail authorization, where the system of the transaction assurance platform applies the refund tracking method of the transaction assurance platform based on dual-stage dual-rail authorization according to any of the above embodiments.
Since the technical solution of the transaction assurance platform of this embodiment at least includes all technical solutions of the above-mentioned embodiments of the refund tracking method for a transaction assurance platform based on dual-stage dual-track authorization, at least all technical effects of the above embodiments are achieved, and details are not repeated here.
In addition, to achieve the above object, the present invention also provides a terminal, a memory, a processor, and a computer program stored on the memory and executable on the processor; the computer program, when executed by the processor, implements the steps of the method for refund tracking of a transaction assurance platform based on dual-level dual-rail authorization as described in any one of the above embodiments.
Since the technical solution of the terminal of this embodiment at least includes all technical solutions of the above embodiments of the refund tracking method for a transaction security platform based on dual-stage dual-track authorization, at least all technical effects of the above embodiments are achieved, and details are not repeated here.
Referring to fig. 6, in some embodiments, the terminal may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002, and a network share module 1006. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the front end acquires data through the user interface 1003. The network interface 1004 comprises a standard wired interface and may optionally comprise a standard wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the terminal structure shown in fig. 6 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
Furthermore, to achieve the above object, the present invention further provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of any one of the first to seventh embodiments of the refund tracking method for a transaction assurance platform based on dual-stage dual-rail authorization as described above.
Since the technical solution of the computer-readable storage medium of this embodiment at least includes all the technical solutions of the above embodiments of the refund tracking method for a transaction security platform based on dual-stage dual-track authorization, at least all the technical effects of the above embodiments are achieved, and details are not repeated here.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a computer-readable storage medium (such as ROM/RAM, magnetic disk, optical disk) as described above, and includes several instructions for enabling a terminal device to enter the method according to the embodiments of the present invention.
In the description herein, references to the description of the term "an embodiment," "another embodiment," "other embodiments," or "first through Xth embodiments," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, method steps, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (9)
1. A refund tracking method of a transaction guarantee platform based on double-stage double-track authorization is characterized in that after a manufacturer party or an initial channel direction transaction guarantee platform obtains authorization qualification, the manufacturer party or the initial channel direction transaction guarantee platform carries out continuous authorization to channel parties at all stages step by step, each stage carries out credit authorization to a first subordinate stage, and each stage bears refund responsibility to a second subordinate stage so as to realize a double-stage authorization control mode; except for a manufacturer side or an initial channel side, the number of lower channel sides of each channel side is two, so that a double-track authorization control mode is realized, and the double-track authorization control mode is combined with the double-track authorization control mode, namely the double-track authorization mode; in the transaction guarantee platform, each level of channel party or manufacturer party can carry out quota authorization on the subordinate to-be-authorized party so that each to-be-authorized party becomes a channel party; the system responds to the refund requirement according to the request initiated by each level of channel party, and at the moment, the channel party initiating the refund request is the channel party to be refunded; the method comprises the following steps:
responding a refund request initiated by a channel party to be refunded, and acquiring a corresponding refund guarantee protocol, wherein a refund request amount is recorded in the refund request, a refund responsible party for taking refund responsibility for the channel party to be refunded is recorded in the refund guarantee protocol, and the refund responsible party is a higher level corresponding to a higher level channel party of the channel party to be refunded;
determining whether the channel party to be refunded meets a preset refund condition or not according to the refund request limit and the refund guarantee protocol;
when the channel party to be refunded meets the preset refund condition, calculating the refund unit price and the refund total amount of refund of the refund responsibility party to the channel party to be refunded according to the refund request amount and the refund guarantee agreement;
acquiring the account number bound by the channel party to be refunded, and transferring the refund total amount transferred by the refund responsible party to the channel party to be refunded;
according to the refund total amount, the available authorization amount of the channel party to be refunded and the refund responsible party is modified;
the step of determining whether the channel party to be refunded meets the preset refund condition or not according to the refund request limit and the refund guarantee agreement comprises the following steps:
determining whether the channel party to be refunded is an intermediate channel party or a selling channel party according to the identity information of the channel party to be refunded;
when the identity information is an intermediate channel party, acquiring the payment amount of the channel party to be refunded for purchasing the amount and the collection amount of the channel party to be refunded for selling the amount;
when the collection amount is smaller than the payment amount, determining that the channel party to be refunded meets a preset refund condition;
when the identity information is a selling channel party, acquiring the payment amount of the channel party to be refunded for purchasing the amount and the selling amount of the channel party to be refunded;
and when the sales amount is smaller than the payment amount, determining that the channel party to be refunded meets a preset refund condition.
2. The method for tracking refund of transaction security platform based on dual-stage dual-track authorization as claimed in claim 1, wherein before the step of determining whether the channel party to be refunded is an intermediate channel party or a selling channel party according to the identity information of the channel party to be refunded, the method further comprises:
judging whether an authorization record authorized by the channel to be refunded to the subordinate channel side exists;
if so, determining the identity information of the channel party to be refunded as an intermediate channel party;
if not, determining the identity information of the channel party to be refunded as a selling channel party.
3. The method for tracking refund of transaction security platform based on dual-stage dual-track authorization as claimed in claim 1, wherein the channel party to be refunded is a selling channel party, and the step of calculating the refund unit price and the total refund amount of refund from the refund responsibility direction to the channel party to be refunded according to the refund request amount and the refund security agreement comprises:
obtaining a refund mode selected by the channel party to be refunded;
and when the refund mode is a refund only mode, determining one or more of the quantity of the goods to be refunded, the unit price of the goods to be refunded, the sales quantity and the unit price of the sales unit according to the refund request limit and the refund guarantee agreement, and calculating a first refund unit price and a first refund total amount of refund of the refund responsibility direction and the channel party to be refunded.
4. The method for tracking refund of transaction security platform based on dual-stage dual-track authorization as claimed in claim 3, wherein the channel party to be refunded is a selling channel party, and the step of calculating the refund unit price and the total refund amount of refund from the refund responsibility direction to the channel party to be refunded according to the refund request amount and the refund security agreement further comprises:
when the refund mode is a refund and refund mode, determining one or more of the goods withdrawal quantity, the goods withdrawal unit price, the sales quantity, the sales unit price and the refund quantity of the channel party to be refunded according to the refund request limit and the refund guarantee agreement, and calculating a second refund unit price and a second refund total amount of refund of the channel party to be refunded from the refund responsibility direction; wherein the first refund unit price is greater than the second refund unit price.
5. The method for tracking refund of transaction security platform based on double-stage double-track authorization as claimed in claim 3 or 4, wherein the channel party to be refunded is an intermediate channel party, and the step of calculating the refund unit price and the refund total amount of refund from the refund responsibility direction to the channel party to be refunded according to the refund request amount and the refund security agreement comprises:
acquiring the contribution amount of the channel party to be refunded to the refunded responsible party, wherein the contribution amount is determined according to the authorization amount purchased by the channel party to be authorized from the superior channel party and the amplification ratio of the amount;
and calculating a third refund unit price and a third refund total amount of refund from the refund responsibility direction to the channel party to be refunded according to the contribution amount, the refund request amount and the refund guarantee agreement.
6. The method for refund tracking of a transaction assurance platform based on dual-stage dual-track authorization of any one of claims 1 to 4, further comprising:
detecting the current refund request times of the channel party to be refunded and acquiring the set refund times;
and when the current refund request frequency does not exceed the set refund frequency, executing the refund request initiated by the channel party responding to the refund and acquiring a corresponding refund guarantee protocol.
7. A refund tracking system of a transaction guarantee platform based on double-stage double-track authorization is characterized in that the refund tracking method of the transaction guarantee platform based on double-stage double-track authorization as claimed in any one of claims 1 to 6 is applied.
8. A refund tracking terminal of a transaction assurance platform based on dual-stage dual-track authorization, comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor; the computer program when executed by the processor implements the steps of the method for refund tracking of a dual-stage dual-rail authorization based transaction assurance platform of any of claims 1 to 6.
9. A computer-readable storage medium, having a computer program stored thereon, which, when executed by a processor, implements the steps of the method for chargeback tracking of a dual-rail authorization-based transaction assurance platform according to any one of claims 1 to 6.
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| CN110310124A (en) * | 2019-07-08 | 2019-10-08 | 湖南共睹互联网科技有限责任公司 | Based on reimbursement verification method, terminal and the computer readable storage medium for ensureing transaction |
| CN112465621B (en) * | 2019-09-06 | 2024-02-09 | 京东科技控股股份有限公司 | Credit withdrawal data processing method, device, system, medium and electronic equipment |
| CN113409102B (en) * | 2021-05-24 | 2023-02-21 | 支付宝(杭州)信息技术有限公司 | Transaction object transfer method, device and equipment |
| CN116739719B (en) * | 2023-08-14 | 2023-11-03 | 南京大数据集团有限公司 | Flow configuration system and method of transaction platform |
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