RU2699068C1 - System for guaranteed return of goods in retail sales network - Google Patents

Abstract

FIELD: computer equipment.

SUBSTANCE: invention relates to means of providing goods return guarantees. Claimed product return guarantee system comprises: at least one computing device for accessing a website of a client application, which is connected to a provider through one or more computer networks, wherein the computer network provides connection of the user computing devices, the servers are configured to provide information associated with the goods on the service provider computer, receiving payment for the goods purchased by the buyer and returning the funds when returning the goods, wherein with the purchaser computers of the provider operate as one or more servers, as a server farm or as separate servers located in the cluster. Method describes the system operation.

EFFECT: reduced time consumption during automation of goods return and exchange procedure.

9 cl, 3 dwg

Description

FIELD OF TECHNOLOGY

The invention relates to banking and financial technology, namely, systems of cash equipment, and can be used to process the return of goods in retail chains. This method is not limited to the options described below. However, this description discloses some of the possible embodiments and practical applications of this invention.

BACKGROUND

Modern systems for processing returns of goods consist in processing returns of goods with the obligatory return of funds to the buyer. Buyers and sellers currently use one of the online market payment methods to sell, buy and / or exchange goods. However, buyers who buy, return, or exchange goods may be reluctant to buy or exchange goods. Therefore, there is a need to provide trust between buyers and sellers when performing settlements.

All existing settlement and payment systems have common drawbacks in that:

• in one case, the seller suffers a loss as a result of the transaction - receiving, possibly, a product unsuitable for resale, while returning the full purchase price to the buyer.

• in another case, in case of refusal to return, the seller bears both reputational losses and risks, and, possibly, specific financial losses as a result of complaints and penalties from the Rospotrebnadzor.

• processing of returns is carried out in a system in which the sale of goods is also carried out, which in turn creates an increased load on the seller’s software and hardware systems.

The proposed system and method have an advantage over known solutions for providing the possibility of returning or exchanging goods sold.

SUMMARY OF THE INVENTION

The technical result achieved by the claimed invention is to reduce time costs and save money while automating the process of returning and exchanging goods.

This system allows the seller when the buyer returns the purchased goods instead of returning (in cash or non-cash) the cost of the goods to provide the buyer with the right to make purchases from this seller for an amount exceeding the cost of the returned goods (the amount increases by a predetermined percentage set by the seller).

Technical details and possible modifications:

• an account is opened for each buyer-seller pair in the hardware and software complex to ensure that the balance of obligations is taken into account as the return and purchase transactions are carried out.

• the hardware-software complex integrates with the seller’s POS solution, and is a non-cash payment method when the buyer uses the right received as a result of the return

• optionally, the seller can charge an account maintenance fee for accounting obligations (annually, monthly) by reducing the size of the obligation

• the system will realize profit for the seller in comparison with the standard method of returns because:

o according to statistics, clients will not use their right to 100%

o the cost of the products exceeds the cost to the seller (respectively, giving the right cheaper than money)

o due to the cost of money, taking into account the time factor (money in the future is cheaper than now)

o by debiting the service charge from the buyer's account

• optional operations can be performed by fixing the obligation on paper, issuing a store card using the seller’s mobile application, with confirmation by SMS.

BRIEF DESCRIPTION OF THE DRAWINGS

Figure 1 shows an exemplary system architecture that implements a method for returning goods in accordance with one or more embodiments of the invention.

Figure 2 depicts an exemplary architecture that discloses a method of payment for obtaining a return guarantee in accordance with one or more embodiments of the present invention.

FIG. 3 is an exemplary flowchart showing a method for automating warranty acquisition service services in accordance with embodiments of the present invention.

DETAILED DESCRIPTION OF THE INVENTION

Embodiments of the present invention are directed to providing a guaranteed money back and return guarantee. In some examples, items can be purchased through a vendor engagement platform that provides goods to potential buyers, sellers, suppliers, traders, wholesalers and / or retailers. Suppliers, buyers, sellers and / or other users of the platform may leave reviews and / or rate other suppliers using the platform when purchasing goods through the platform. The proposed solution provides a guarantee of return of goods. For example, a buyer or supplier gains access to a platform to search for goods and then purchase goods. In some embodiments, an interface element is provided next to each product, for example, a corresponding button that provides the purchase of goods with guarantees of return and / or exchange, and / or money back. This warranty acquisition fee may indicate an additional fee for the seller. By purchasing goods with a guarantee of return of goods, the buyer can return the goods to the store with full or partial reimbursement of the purchase price of the goods.

In another embodiment, a guarantee acquisition fee may be based on several factors and / or combinations of factors. For example, the bid price made by the seller-buyer on the subject and / or the final transaction price of the product may be included in the guarantee purchase fee. That is, since the offer price and / or the projected final price of a transaction for a product increases, the commission for providing a guarantee for the return of a product can also increase. In addition, in some examples, the premium and / or percentage of the final transaction price is automatically included in the final price of the product that exceeds market rates or exceeds the potential cost of returning the product by the buyer. In addition, in some examples, the supplier or users of the system can evaluate, leave feedback, or otherwise indicate the rating of the seller (or other customers) who use the system. Therefore, these reviews and / or ratings may affect the cost of acquiring a product return guarantee. For example, a product sold by a supplier or seller with better ratings (for example, seller A has a customer rating of 5 stars) may indicate a lower return guarantee fee than a supplier or seller who has a lower buyer rating (for example , seller B with poor customer reviews), indicating increased risks of returning the goods, and, accordingly, such a seller or supplier has a higher rate for the guarantee of returning the goods.

In one embodiment, the payment for acquiring a product return guarantee may be based on the supplier’s activities, the supplier’s attributes and / or the supplier’s market data. For example, purchases and / or sales made by the supplier that are made by the supplier using the platform for providing returns of goods may be recorded. Such purchases and / or sales made by the supplier register and form activity characteristics of the corresponding profile of the seller or supplier associated with the platform. Information about the activity in the form of characteristics of activity is used to create and / or update the size of the rate for receiving a guarantee of return of goods. In addition, in some examples, vendor attributes (e.g., credit ratings, financial information, transaction information, etc.) can be obtained from third-party service providers and used to increase the cost of obtaining a guarantee. For example, the relations of the buyer and / or seller, the behavior of buyers and / or sellers and / or information aggregated and / or obtained from other websites can be obtained by the platform for guaranteeing the return of goods and are taken into account in the rate for the purchase of the guarantee of returning the goods when forming total price for the product. In addition, in some examples, the product return guarantee platform performs an analysis of the sales activity of a specific product name and / or analogues and / or substitute products. In one embodiment, the analysis takes into account the number of search queries for a particular product name, the number of interested buyers and / or suppliers (for example, the number of sellers and / or suppliers who have made an offer to sell a particular product), and / or type, frequency, quantity , and / or the cost of the proposals made can also be taken into account when determining the mark-up rate for the purchase of a return guarantee.

Thus, based in part on one or more of the aforementioned factors, a risk assessment can be made for each possible transaction (i.e., sale or potential sale of the goods), and payment for the guarantee of return of goods may be based on a risk assessment. Thus, purchase operations, which are more risky, in some cases are automatically calculated at an increased rate of compensation for receiving a guarantee of return of goods.

In one embodiment, the margin for acquiring a product return guarantee is determined based on a set of factors, including at least the characteristics and properties of the product or group of goods, customer characteristics, seller characteristics and / or supplier characteristics. Element properties may include, without limitation, the condition of the product, brand, model, quality characteristics, current events (for example, current changes in the market). Seller specifications may include reviews, ratings, typical product quality, rates of return, etc., associated with one or more seller’s products. Supplier characteristics may include reviews, ratings, typical product quality, bid rates associated with one or more supplier products.

Although many of the embodiments of the present invention are described with specific product names, one skilled in the art will recognize that any goods and / or services and / or other products may be considered as goods. Moreover, while many embodiments of the present detailed description are described in terms of a supplier market platform for sellers, or sellers and buyers, it will be apparent to one skilled in the art that such examples should be interpreted more broadly, i.e. any relations of transfer of goods into ownership to another person, and / or consumption of services, and / or purchase of a product, are also the subject of the proposed invention. Thus, the described product return guarantee platform can be used to provide third party warranties on other platforms. Those skilled in the art will understand that the various options described in conjunction with the product return guarantee platform can be obtained through another platform, such as a product sales platform.

In some examples, the sales platform of goods of sellers and buyers provides an increase in sales and / or the number of transactions between suppliers and / or sellers and / or buyers.

In one embodiment, real-time market conditions automatically analyze circumstances and / or conditions and / or parameters that are determined based on information and data that are collected in real time. That is, the data can be periodically updated, for example, at intervals of every second, every minute, every hour, every day, every week, etc. Or any appropriate interval based on update needs.

The system of guaranteeing the return of goods ensures the return of goods by the buyer to the seller and / or guarantees reimbursement of fees for the purchased goods between the wholesale supplier and the retailer, which may also be an auction, website and / or other business entity in the goods market. Thus, the information collected and / or used to determine the amount of the guarantee, margin, guarantee insurance and / or fees for the purchase of the guarantee of return of goods can be obtained by the platform from one or more of these business entities. Based on this information, the platform determines the corresponding amount of the guarantee and / or fees, thereby providing compensation to the seller in case of costs for returning the goods by the buyer. For example, an auction company may place information about a vehicle and / or supplier on a platform. The platform provides calculation of the cost of the guarantee for the return of goods and / or payment for the purchase of a guarantee for the purchase, for example, of a car, to one or more suppliers. The platform provides the amount and / or fee to a third-party service provider, such as a retailer. The third-party service provider may then change, revise, or otherwise use the amounts and / or fees that are associated with the sale of a product, such as a car, through an online bidding, auction, or online auction.

In FIG. 1 depicts an exemplary architecture of a product return guarantee system 100 in which technologies for providing a dynamic product return guarantee can be implemented. In architecture 100, one or more users 102, for example, business users, can use computing devices 104 [1] ... 104 [N] to access a client application website that is connected to a provider through one or more networks 108. In some cases, computing devices 104 for displaying the client application interface 106 to one or more users 102. Networks 108 may include any one or more combinations of various types of networks, such as cable networks, the Internet, and wireless networks other private and / or public networks. Although the illustrated example represents users 102, the interface of the client application 106, through communication through the network 108, the described technologies can equally be implemented when users 102 interact with the provider through a personal computer, by telephone, or through a service terminal, or in another way.

The client application interface 106 provides users 102 with access to interact with the supplier through one or more computers 110. The client application interface 106 also allows users to receive information from the supplier computers 110 via networks 108, and this information is associated with one or more goods 112 in the inventory user 102.

Provider computers 110 may be computing devices, such as mobile, desktop, and / or cloud computing devices, servers. In some examples, service provider computers 110 may communicate with user devices 104 through networks 108 or through other network connections. Provider computers 110 may include one or more servers located in a cluster as a server farm or as separate servers that are not connected to each other. These servers can be configured to host a website visible through the client application interface 106, or any other web browser accessible to the user 102, for example, through the user device 104.

Architecture 100 may also include one or more other suppliers of goods working with one or more other user computing devices 114, and / or an offer to sell one or more products 113. Computing devices 114 of the supplier may also be any type of computing device, such as mobile, desktop and / or cloud computing devices, such as servers. In some examples, provider computers 114 may communicate with service provider computers 110 and / or with user devices 104 through networks 108 or other network connections. In some examples, the provider computer 114 may be one or more user devices 104. The provider computers 114 may include one or more servers clustered as a server farm or as separate servers that are not connected to each other. These servers can be configured to provide goods related information 113 to the service provider's computers 110.

User devices 104 may be any type of computer device, such as desktop personal computers (PCs), laptops, mobile phones, smartphones, personal digital assistants (PDAs), tablets, game consoles, desktop boxes, wearable computers, electronic readers, Internet-enabled televisions, cloud devices and workstations, etc. In some cases, each user device 104 may be equipped with one or more processors 120 and memory 122 for storing application Product data and inventory, such as inventory 123 and / or vendor application 124, which provides product return warranties.

In one embodiment, at the request of user 102, the client application interface 106 displays one or more products as search results, for example, as a list, group, or other structured model for displaying information. In the case when the user 102 wants to purchase the goods through the computer 110 of the service provider, the user 102 can enter the type of goods or other parameter to start the search. As shown in FIG. 1, in some examples, the client application interface 106 may display several products associated with one or more (and sometimes different) suppliers. For example, three products from the same product category may correspond to search parameters entered by the user 102, and may be displayed in a list. The list or entry may include information associated with each product located next to or next to a link to the product image.

In the example shown in FIG. 1, the first product may be offered for sale by “Supplier 1” at a price of 10,000. Alternatively, a price of 10,000 may correspond to the most expensive offer from one or more buyers (for example, at auction, stock exchange, bazaar, etc. .). In addition, the client application interface 106 indicates that “Supplier 1” has a rating, which in this example is shown as a three-star stars scale, however, in other examples, a star rating may use more or less stars, other icons / images may use. other than stars, and / or may indicate an overall rating that is not based on scale at all) and that the guarantee purchase fee for returning this product is 50. Similarly, a second product can be offered for sale by “Supplier 2” for 10,000. One ako, the rating of "Supplier 2" is only 1.5 stars. Thus, the commission for acquiring a guarantee for this purchase is 250. In addition, the third product can be offered for sale by “Supplier 3” for 30,000. The rating of “Supplier 3” can also be 1.5 stars. Thus, the fee for purchasing a product return guarantee is 500. If necessary, the margin for purchasing a product return guarantee can be indicated separately with the corresponding explanation that additional money is added to the purchase price when the buyer decides to purchase a product with a product return guarantee. In some examples, the additional charge “D” may include, but is not limited to, a premium, an interest rate on the price of the goods.

In one implementation option, the system provides for item valuation services, goods auction services, arbitration services, position transfer services, position information aggregation services (for example, services that determine market values for positions based on aggregated information associated with these goods or categories goods), which are, for example, financial institutions, credit institutions. Thus, at the request of the service provider's computers 110, the third-party service provider's computers 116 can provide product and / or provider information. In some examples, this information may be used by provider computer providers 110 to determine a risk factor profile and / or an appropriate fee for obtaining a product return guarantee. For example, information about the supplier’s activities, supplier reviews and / or market activity can be obtained from third-party computers of the service provider 116. In addition, in some examples, third-party service computers 116 may request a guarantee amount and / or guarantee a purchase fee from computers 110 service provider for sales transactions that are facilitated or otherwise associated with the services of third-party providers. That is, a third party can manage the auction for the goods and provide guarantees for the return of goods for the acquisition of its customers without owning the goods being sold and acting as an intermediary between the buyer and seller.

In one embodiment, the service provider's computers 110 comprise at least a memory 131 and one or more processors. Processors 132 may be implemented in hardware, embodied in a program or firmware, or a combination of these options. The implementation of the software or firmware of the processor (s) 132 may include computer-executable instructions for performing the described functions of the system.

The memory 131 may store program instructions that can be downloaded and executed by the processor 132, as well as data created during the execution of these programs. Depending on the configuration and type of service provider's computer 110, the memory 131 may be volatile (e.g., random access memory (RAM)) and / or non-volatile (e.g., read-only memory (ROM), flash memory, etc.). The service provider's computer 110 or server may also include additional removable storage 134 and / or non-removable storage 136, magnetic storage, optical disks and / or tape drive. Drives and related computer-readable media can provide non-volatile storage of computer-readable instructions, data structures, program modules, and other data for computing devices.

Additionally, as computer storage media can be used: programmable random access memory (PRAM), SRAM, DRAM, RAM, ROM, electrically erasable programmable read-only memory (EEPROM), flash memory, compact disc (CD-ROM), digital DVDs or optical storage media, magnetic tapes, magnetic tape, magnetic storage on magnetic disks or other magnetic storage devices or any other medium that can be used to store the required information and which can be accessed a computer 110 of a service provider or other computing device.

The service provider's computer 110 may also include communication connections 138 that allow the service provider's computer 110 to communicate with a stored database, another computing device or server, user terminals, and other devices on the network. The service provider's computer 110 may also include input devices 140, such as a keyboard, mouse, voice input device, touch screen input device, etc .; and output devices 142, such as a display, speakers, printers, etc.

The memory 131 may include an operating system 144 and one or more application programs or services for implementing the functions disclosed herein, including an application module 146, a warranty module 148, and / or a merchandise return guarantee information store 150. The application module 146 may be configured to receive, store, read and / or provide information related to one or more products 112 or 113 and / or one or more suppliers 102 or 114. For example, the application module 146 may request, collect product information from one or more vendor computers 104 (eg, user devices 104), one or more other computers 114. The warranty module 148 may be configured to receive information from the application module 146 and determine and / or calculating the amount of warranty fees for the purchase of goods by buyers. The data storage 150 may store information related to one or more of the goods 112 or 113, and information related to the market price of the goods, activities of suppliers, ratings of suppliers, attributes of suppliers and / or market activity.

In one embodiment, the application module 146 may be configured to receive information related to one or more products and / or one or more suppliers. Product information can be obtained from the devices of the provider 104, from an affiliate or an associated company, from one or more computers 116 of the third-party service provider and / or from one or more other computers 114.

In one embodiment, module 148 may request, receive, or otherwise retrieve information collected by application module 146. After collection, warranty module 148 may generate or define a risk profile for each purchase. Then the risk profile can be used to determine the size of the margin for obtaining a guarantee of return of goods. Other factors that can be used to determine the size of the mark-up for purchasing a product return guarantee include: product properties, seller’s characteristics and / or seller’s and supplier’s characteristics.

Application module 146 may receive and / or process feedback information associated with multiple products and / or multiple suppliers. In some examples, user 102 may then enter a search query in the search box of application module 146 to request a list of products from aggregated information from reviews that matches the search query. In response to a search request, application module 146 can search for aggregated information from reviews and return a list of products with relevant product information, seller ratings, other customer reviews, and / or product characteristics. In addition, application module 146 may also be configured to receive a filter and / or a ranking parameter to filter and / or rank search results. For example, a filter parameter or a ranking parameter may include a vendor identifier, an associated identifier, a product return guarantee purchase fee, location, product information. That is, the search results can be refined, filtered and / or ranked according to the selected single criterion or a combination of these parameters. In addition, in some examples, the filtering and / or ranking parameters can be calculated so that some parameters have a greater effect on filtering and / or ranking.

In FIG. 2 illustrates an exemplary architecture 200 in which additional benefits can be realized to provide a product return guarantee. In architecture 200, a service provider's computer 110 may communicate with one or more other computers via a network. In some embodiments, the service provider's computer 110 may be configured to operate a website that provides a service with a warranty product return platform 202 of FIG. 2. A warranty product return platform 202 may be configured to perform the functions described above with respect to the application module 146 of FIG. one.

In some examples, goods and / or dealer information may be read, requested, or otherwise obtained by the Warranty Return Platform 202 by at least one of the suppliers 102, third-party service providers 116, or evaluators 204. That is, and as described above, information about a product and / or supplier from several different sources can be aggregated with a guarantee platform for the return of goods 202. The platform for guaranteed return of goods 202 can receive information about the product and / or supplier from several other suppliers at 102 and / or directly from the local warehouse management system 102. Alternatively, however, inventory information can be obtained from the supplier 102 through a database that the supplier 102 regularly updates. In addition, platform 202 may also receive product and / or provider information from one or more third-party or commercial service providers 116, such as: financial institutions, banks, credit card issuers. In addition, in some examples, the guaranteed return platform 202 may also receive product information from one or more evaluators.

In one embodiment, the product return guarantee platform 202 may be configured to provide communication channels to suppliers. For example, the platform for guaranteeing the return of goods 202 organizes the placement of offers for the sale of goods, counter offers, discussion of goods sold and purchased and / or sold by one or another supplier that are participants in the platform for guaranteed return of goods. In addition, the product return guarantee platform 202 can be configured to calculate the commission fee for the guarantee 206 to potential buyers or suppliers interested in making transactions. Furthermore, as shown in FIG. 1, platform 202 may include an application module 146 for promoting a provider's website. The platform 202 may also include a warranty module 148 for determining a fee 206 for receiving a product return guarantee to be provided to suppliers. Although the return shipping guarantee fee 206 in FIG. 2 is provided by the guarantee module 148, in some implementations, the guarantee receipt board 206 can actually be transferred from the guarantee module 148 to the application module 146. For example, the guarantee receipt board 206 can be reimbursed by the supplier through the application module 146 rather than the guarantee module 148.

In some examples, the warranty module 148 may be configured to determine a fee for receiving a guarantee 206 based on factoring, comparing or otherwise weighting the difference between the expected value of the guarantee 208 to the service provider and the expected income 210 earned (the service provider) by selling the guarantee. Thus, in some examples, the warranty module 148 may determine the expected result of the purchase of the guarantee 212. That is, for each specific buyer / seller combination, what is the likelihood that the buyer will return the vehicle. In some examples, this probability may be included in the expected value of the guarantee equation 208. Alternatively, or, in addition, this probability may also be a factor in determining product offer 214. For example, if there is a high probability that the buyer will return the car, then the best offer Product 214 (from the point of view of the service provider) may be a premium, a high commission for obtaining a guarantee, or both. In addition, in some examples, the expected result of the purchase of a guarantee 212 may affect the expected value of a guarantee 208 in a linear fashion. For example, a higher probability of return may result in a higher expected cost for the service provider. However, in other examples, the ratio may be different and / or non-linear at all. the expected result of the purchase of a guarantee 212 may affect the expected value of a guarantee 208 in a linear fashion. For example, a higher probability of return may result in a higher expected cost for the service provider. However, in other examples, the ratio may be different and / or non-linear at all. the expected result of the purchase of a guarantee 212 may affect the expected value of a guarantee 208 in a linear fashion. For example, a higher probability of return may result in a higher expected cost for the service provider. However, in other examples, the ratio may be different and / or non-linear at all.

In addition, in some examples, the warranty module 148 may be configured to determine the expected value to the service provider if the vehicle is returned 216. In addition, this determination may also affect the expected value of the guarantee 208. In addition, in some examples, the expected value if returned 216 may be included in determining the optimal price of a guarantee 218. That is, the optimal amount 218 for obtaining a guarantee may increase or decrease, at least in part, in response to an increase or decrease The expected value is given if 216 is returned. However, other scenarios are possible. In some aspects, both a particular product offer 214 and an optimal guarantee receipt 218 can help determine an expected return 210.

The various instructions, methods, and methods described herein may be considered in the general context of computer-executable instructions, such as program modules, executed by one or more computers or other devices. Typically, program modules include routines, programs, objects, components, data structures, etc. to perform specific tasks or implement specific abstract data types. These program modules and the like can be executed as native code or can be loaded and executed, for example, in a virtual machine or in another “exactly at the moment” compilation runtime. Typically, the functionality of the software modules may be combined or distributed as desired in various embodiments. The implementation of these modules and methods may be stored on some form of computer-readable media.

The examples of architectures and computing devices shown in FIG. 1 and 2 are given as an example only. Numerous other operating environments, system architectures, and device configurations are possible. Accordingly, embodiments of the present disclosure should not be construed as being limited to any particular operating environment, system architecture, or device configuration.

To implement the platform for guaranteeing the return of goods and / or services for providing guarantee fees for the purchase of goods, the technology provides for the execution of a sequence of operations that can be implemented in hardware, software, or a combination thereof. In the context of software, operations are computer-executable instructions stored on one or more computer-readable storage media that, when executed by one or more processors, perform the described operations. Typically, computer-executable instructions include routines, programs, objects, components, data structures, etc.

Figure 3 presents a flowchart of a method for providing a fee for obtaining a guarantee of return of goods. Method 300 may be implemented by provider computer 110. In some aspects, method 300 may begin by determining product related information in step 302. The steps of the method are performed by processor 132, and product information from a seller, vendor, or third party service provider may be performed through one or more input devices 140.

Then, at step 304, method 300 includes obtaining activity information related to the supplier. Step 306 provides the opportunity to familiarize yourself with the characteristics of the supplier. As noted above, supplier reviews may include ratings and / or text reviews, ratings that are necessary to determine the overall rating. In addition, in some aspects, the revocation text may contain unwanted information that needs to be adjusted or cleaned up if such unwanted content does not relate to the main objectives that are addressed by the product return guarantee platform. This information can also be used to determine the overall rating of the buyer and / or seller. At 308, method 300 may receive a vendor attribute (via one or more input devices 140 in FIG. 1).

At 310, method 300 determines a risk profile for the transaction. Each transaction involves at least one risk profile. In some aspects, a risk profile may be determined at 310 based on one or more of the previously described factors, including the price of the product offered, the market price of the product, supplier activity, supplier ratings, supplier attributes, and / or market. At 312, method 300 determines the size of the guarantee payment for the transaction. This fee for obtaining a guarantee (that is, the purchase price of a guarantee) can be determined based on the risk profile determined at step 310. The method 300 can, at step 314, calculate and inform the buyer of the calculation of the cost of the guarantee for returning the goods. In some embodiments, the cost of a guarantee for returning a product may vary as the steps of method 300 are completed.

At step 316 of method 300, a payment equal to the commission for acquiring a guarantee from the supplier of the goods is transferred to the product return guarantee platform. In this case, the buyer decided to purchase a guarantee, which is not required to purchase the desired product. For example, during the execution of method 300, a certain fee for obtaining a guarantee of return of goods may be made by sellers and / or a buyer and / or supplier, jointly or individually, by one of these participants in a business transaction who wishes to acquire a guarantee of return of goods.

In the case when the buyer after the transaction makes a decision on the return of the goods, then the method 318 is performed. In some examples, the buyer can return the goods directly to the seller. However, in other examples, method 300 may provide a payment equal to the amount of the transaction (i.e., the value that the buyer initially paid to the seller for the product), equal to a portion (e.g., a percentage) of the transaction amount and / or equal to the guaranteed value for the buyer in exchange for return of goods at step 320.

Although specific embodiments of the disclosure are described, one skilled in the art will understand that numerous other modifications and alternative embodiments are within the scope of the disclosure. For example, any functionality and / or processing capabilities described for a particular device or component may be performed by any other device or component.

Computer-executable program instructions may be downloaded to a special purpose computer or other specific computer, processor, or other programmable data processing device to create a specific machine, so that executing instructions on a computer, processor, or other programmable data processing device causes the steps to be taken to guarantee the return of goods indicated in the flowcharts of method 300. These computer program instructions may also be stored in computer readable form. m storage medium, which, when executed by the processor, provides operation of a computer or other programmable data processing device for executing instructions stored on a computer-readable storage medium, and provides the functions or operations indicated in the flowchart of method 300.

Claims (16)

1. The system of guaranteeing the return of goods, in which users use at least one computing device to access the website of the client application, which is connected with the supplier through one or more computer networks; wherein the computing device displays the client application interface to one or more users; a computer network provides a connection of user computing devices; the client application interface, through communication over a computer network, provides users with access to interact with the supplier through one or more computers; the client application interface provides users with the opportunity to receive information from the supplier’s computers through networks, while the specified information is associated with one or more products in the user’s inventory; vendor computers provide the server with the website; servers are configured to provide goods related information to the service provider's computers; the servers are configured to accept payment for the goods purchased by the buyer and provide a refund when returning the goods, while the supplier’s computers work with the buyer as one or more servers located in the cluster, as a server farm or as separate servers that are not connected to each other, the servers are configured to host a website visible through the client application interface or any other web browser accessible to the user through a user device. 2. The system of claim 1, wherein the computer network includes any one or more combinations of various types of networks, such as cable networks, the Internet, wireless networks, and other private and / or public networks. 3. The system of claim 1, wherein the vendor’s computer contains a memory that contains an operating system and one or more application programs or services for implementing an application module, a warranty module, and / or storage of information about a product return guarantee; an application module that is configured to receive, store, read and / or provide information related to one or more products and / or one or more suppliers; wherein the application module is configured to request, collect product information from one or more supplier computers, one or more other computers; wherein the warranty module is configured to receive information from the application module and determine and / or calculate the size of guarantee fees for purchasers of goods; an information data warehouse is configured to store information related to one or more goods and information related to the market price of the goods, supplier activities, supplier ratings, supplier attributes and / or market activity. 4. The method of operation of the system for guaranteeing the return of goods according to claim 1, wherein the method is implemented by the computer of the supplier, in which the processor provides the steps for returning the goods, and determine the information associated with the goods by entering through one or more input devices information about the product from the seller, supplier or third-party service provider and determine the information associated with the product. 5. The method of claim 4, wherein the supplier reviews may include ratings and / or text reviews, ratings that are necessary to determine the overall rating, in addition, in some aspects, the review text may contain unwanted information that needs to be adjusted or cleaned if such unwanted content does not apply to the main goals that are solved by the product return guarantee platform, this information can also be used to determine the overall rating of the buyer and / or seller. 6. The method of claim 4, wherein the supplier attribute is received by one or more input devices. 7. The method according to claim 4, in which the risk profile is determined based on one or more of the previously described factors, including the price of the offered goods, the market price of the goods, supplier activity, supplier ratings, supplier and / or market attributes. 8. The method according to claim 4, in which the cost of the guarantee for the return of goods changes as the steps of the method are completed. 9. A computer-readable storage medium containing computer-executable instructions that provide for the implementation of the steps of the method according to claims. 4-8.

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