TW201926188A - Storage medium, device and method for processing commodity trading information - Google Patents
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本發明涉及資訊處理技術領域，尤其涉及一種存儲介質、商品交易資訊的處理裝置及方法。The present invention relates to the field of information processing technologies, and in particular, to a storage medium, a processing device and method for commodity transaction information.
隨著電子商務交易平臺的不斷完善，以及傳統通信、移動通信等技術的快速發展，越來越多的人們藉由網上購物的方式來獲取自己所需的商品，商品的種類可以涉及到人們日常生活的方方面面，為人們生活提供了極大的便利。線上交易過程包括買家使用者藉由互聯網向賣家用戶請求購物、買家用戶向賣家用戶支付貨款（貨款凍結）、賣家用戶發貨、買家用戶收貨、賣家使用者收貨款等流程。現有的線上交易平臺提供的交易服務比較單一, 買賣雙方資金存在一定的安全隱患。With the continuous improvement of e-commerce transaction platform and the rapid development of traditional communication and mobile communication technologies, more and more people use online shopping to obtain the goods they need. The types of goods can involve people. Every aspect of daily life provides great convenience for people's lives. The online transaction process includes the process of the buyer user requesting the seller from the Internet, the buyer user paying the seller (the payment is frozen), the seller user shipping, the buyer user receiving the goods, and the seller user receiving the payment. The existing online trading platform provides relatively simple trading services, and there are certain security risks in the funds of buyers and sellers.
有鑑於此，有必要提供一種商品交易資訊的處理裝置及方法，可解決現有技術中存在的賣家收貨款形式單一的問題。In view of this, it is necessary to provide a processing device and method for commodity transaction information, which can solve the problem that the seller has a single form of payment in the prior art.
本發明一實施方式提供一種商品交易資訊的處理裝置，包括：處理器；及記憶體，適於存儲多條指令，所述指令適於由所述處理器執行：接收購買商品的請求；根據所述請求生成交易訂單，所述交易訂單包括交易金額資訊、銷售所述商品的第一使用者資訊以及購買所述商品的第二使用者資訊；根據所述交易金額資訊將所述第二使用者資金帳戶中的第一金額的資金置為凍結狀態；及經過第一預設時間後，將所述第一金額的資金轉移到所述第一用戶的資金帳戶中。An embodiment of the present invention provides a device for processing commodity transaction information, comprising: a processor; and a memory adapted to store a plurality of instructions, the instructions being adapted to be executed by the processor: receiving a request to purchase an item; Requesting to generate a transaction order, the transaction order including transaction amount information, first user information for selling the product, and second user information for purchasing the product; and the second user according to the transaction amount information The first amount of funds in the fund account is placed in a frozen state; and after the first predetermined time, the first amount of funds is transferred to the first user's fund account.
本發明一實施方式提供一種商品交易資訊的處理方法，包括：接收購買商品的請求；根據所述請求生成交易訂單，所述交易訂單包括交易金額資訊、銷售所述商品的第一使用者資訊以及購買所述商品的第二使用者資訊；根據所述交易金額資訊將所述第二使用者資金帳戶中的第一金額的資金置為凍結狀態；及經過第一預設時間後，將所述第一金額的資金轉移到所述第一用戶的資金帳戶中。An embodiment of the present invention provides a method for processing commodity transaction information, including: receiving a request for purchasing an item; generating a transaction order according to the request, the transaction order including transaction amount information, first user information for selling the product, and And purchasing, by the transaction amount information, the first amount of funds in the second user fund account is frozen; and after the first preset time, the The first amount of funds is transferred to the first user's funds account.
有鑑於此，有必要提供一種存儲介質，可解決現有技術中存在的賣家收貨款形式單一的問題。In view of this, it is necessary to provide a storage medium, which can solve the problem that the seller's receipt form is single in the prior art.
本發明一實施方式提供一種存儲介質，所述存儲介質存儲有多條指令，多條所述指令可被一個或者多個處理器執行，以實現上述的商品交易資訊的處理方法的步驟。An embodiment of the present invention provides a storage medium storing a plurality of instructions, and the plurality of instructions may be executed by one or more processors to implement the steps of the method for processing commodity transaction information.
與現有技術相比，上述存儲介質、商品交易資訊的處理裝置及方法，允許賣家在資金凍結後選擇何時收到貨款，同時又能最大程度降低買賣雙方資金的安全隱患，促進線上交易的達成。Compared with the prior art, the foregoing storage medium and commodity transaction information processing apparatus and method allow the seller to select when to receive the payment after the funds are frozen, and at the same time, minimize the security risks of the buyers and sellers funds, and promote the online transaction.
請參閱圖1-2，在一實施方式中，一種商品交易資訊的處理裝置100可以藉由接入網際網路來對商品交易資訊進行處理，從而實現商品線上交易。商品交易資訊的處理裝置100可以是電商平臺的伺服器，賣家可以將需要出售的商品發佈到電商平臺中，商品可以包括生活用品、服裝鞋帽、食品、家電、書籍等等各種涉及到人們日常生活的商品。買家可以進入電商平臺線上流覽商品，如果有符合自己的需求，可以點擊“購買”等按鈕，相應的，該商品交易資訊的處理裝置100可以接收到購買該商品的請求。Referring to FIG. 1-2, in an embodiment, a commodity transaction information processing apparatus 100 can process commodity transaction information by accessing the Internet to implement commodity online transactions. The processing device 100 of the commodity transaction information may be a server of the e-commerce platform, and the seller may publish the goods to be sold to the e-commerce platform, and the commodities may include daily necessities, clothing and shoes, food, home appliances, books, etc. Goods of everyday life. The buyer can enter the e-commerce platform to browse the merchandise online. If there is a need to meet his own needs, he can click a button such as "purchase", and accordingly, the processing device 100 of the merchandise transaction information can receive the request to purchase the merchandise.
商品交易資訊的處理裝置100包括記憶體11、處理器12及一個或多個模組。所述一個或多個模組存儲在記憶體11中並可由處理器12執行，以完成本發明提供的功能。記憶體11可以用於存儲商品交易資訊的處理裝置100的各種資料，例如存儲商品交易資訊的處理裝置100的程式指令。The processing device 100 for commodity transaction information includes a memory 11, a processor 12, and one or more modules. The one or more modules are stored in memory 11 and are executable by processor 12 to perform the functions provided by the present invention. The memory 11 can be used for various materials of the processing device 100 that stores commodity transaction information, such as program instructions of the processing device 100 that stores commodity transaction information.
在一實施方式中，一個或多個模組包括接收模組10、訂單生成模組20、資金凍結模組30及資金轉移模組40。本發明所稱的模組可以是完成一特定功能的指令集。In one embodiment, the one or more modules include a receiving module 10, an order generating module 20, a fund freezing module 30, and a fund transfer module 40. The module referred to in the present invention may be a set of instructions for performing a specific function.
需要說明的是，當所述一個或多個模組存儲到一存儲介質中，可以作為應用商店的安裝包供使用者下載使用。It should be noted that when the one or more modules are stored in a storage medium, they can be used as an installation package of the application store for downloading and using by the user.
接收模組10用於接收購買商品的請求。在一實施方式中，將銷售該商品的用戶稱為第一用戶，將購買該商品的用戶稱為第二用戶。所述商品是指第二用戶在電商平臺進行流覽採購時，選中並下單購買第一用戶的商品。該商品可以是生活用品、服裝鞋帽、食品、家電、書籍等等各種線上出售的商品。The receiving module 10 is configured to receive a request to purchase an item. In one embodiment, the user who sells the item is referred to as the first user, and the user who purchased the item is referred to as the second user. The commodity refers to the second user selecting and placing an order to purchase the first user's merchandise when browsing the e-commerce platform. The goods can be various items sold online, such as daily necessities, clothing, shoes, hats, food, home appliances, books, and the like.
訂單生成模組20用於根據接收模組10接收的請求生成交易訂單，所述交易訂單包括交易金額資訊、銷售所述商品的第一使用者資訊以及購買所述商品的第二使用者資訊。The order generating module 20 is configured to generate a transaction order according to the request received by the receiving module 10, where the transaction order includes transaction amount information, first user information for selling the product, and second user information for purchasing the product.
在一實施方式中，所述交易訂單還可以包括所述購買的商品的基本資訊、數量、第二使用者的收件位址、***話、物流運輸等資訊。In an embodiment, the transaction order may further include basic information, quantity, second user's receiving address, contact telephone number, logistics and transportation information of the purchased product.
在一實施方式中，當第二使用者在電商平臺上確認欲購買所述商品時，訂單生成模組20即通知第一使用者和第二使用者該商品交易成立並生成交易訂單。In an embodiment, when the second user confirms that the product is to be purchased on the e-commerce platform, the order generating module 20 notifies the first user and the second user that the commodity transaction is established and generates a transaction order.
在一實施方式中，當第二使用者在電商平臺上確認欲購買所述商品時，訂單生成模組20先行獲取所述第二用戶在所述電商平臺的資金帳戶的餘額，並判斷所述第二用戶資金帳戶的餘額是否大於所述交易金額。若所述第二用戶資金帳戶的餘額大於所述交易金額，訂單生成模組20根據所述請求生成所述交易訂單。若所述第二用戶資金帳戶的餘額小於所述交易金額，則訂單生成模組20不生成所述交易訂單，並輸出餘額不足的通知資訊至所述第二使用者，以待第二用戶的餘額充足時再生成所述交易訂單。In an embodiment, when the second user confirms that the product is to be purchased on the e-commerce platform, the order generating module 20 first acquires the balance of the fund account of the second user on the e-commerce platform, and determines Whether the balance of the second user funds account is greater than the transaction amount. If the balance of the second user funds account is greater than the transaction amount, the order generating module 20 generates the transaction order according to the request. If the balance of the second user funds account is less than the transaction amount, the order generating module 20 does not generate the transaction order, and outputs notification information of insufficient balance to the second user, to wait for the second user. The transaction order is generated when the balance is sufficient.
資金凍結模組30根據所述交易金額資訊將所述第二使用者資金帳戶中的第一金額的資金置為凍結狀態。The fund freezing module 30 sets the funds of the first amount in the second user fund account to a frozen state according to the transaction amount information.
在一實施方式中，發佈到電商平臺的商品一般都會指定了具體金額，該金額可能是商品的全部款項，也可能是部分款項作為首付款，具體可以根據第一使用者的銷售策略而定。無論以具體何種銷售策略，發佈到電商平臺中的商品都會帶有交易金額資訊，交易訂單中的金額資訊亦是根據該資訊寫入的。In an embodiment, the products posted to the e-commerce platform generally specify a specific amount, which may be the total amount of the goods, or may be a partial payment as a down payment, which may be determined according to the sales strategy of the first user. . Regardless of the specific sales strategy, the products published to the e-commerce platform will have transaction amount information, and the amount information in the transaction order is also written according to the information.
當接收到第二用戶的購買請求並生成具體的交易訂單之後，接下來即可根據所述交易金額將所述第二用戶資金帳戶中的第一金額的資金置為凍結狀態。其中，具體凍結的第一金額可以小於或者等於所述商品的交易金額。After receiving the purchase request of the second user and generating a specific transaction order, the funds of the first amount in the second user funds account may be placed in a frozen state according to the transaction amount. The specific amount of the specific freeze may be less than or equal to the transaction amount of the commodity.
在一實施方式中，該凍結的第一金額可以同時顯示於第一使用者、第二用戶的電商平臺交互介面，並告知雙方（第一用戶及第二用戶）何時將凍結的第一金額匯入至第一用戶的資金帳戶中。In an embodiment, the frozen first amount may be displayed simultaneously on the e-commerce platform interaction interface of the first user and the second user, and the two parties (the first user and the second user) are notified of the first amount to be frozen. Import into the funds account of the first user.
在一實施方式中，該凍結的第一金額可以被匯入一中立帳戶，當資金凍結模組30將該凍結的第一金額匯入一中立帳戶後，可以輸出通知資訊至電商平臺介面，以在電商平臺上顯示出凍結的金額及凍結時間，第一用戶及第二用戶即可藉由所述通知資訊看到被凍結的第一金額的相關資訊。In an embodiment, the frozen first amount may be transferred to a neutral account, and when the funds freezing module 30 remits the frozen first amount into a neutral account, the notification information may be output to the e-commerce platform interface. By displaying the frozen amount and the freezing time on the e-commerce platform, the first user and the second user can see the related information of the frozen first amount by using the notification information.
在一實施方式中，資金凍結模組30將所述第二用戶的資金帳戶中的第一金額的資金進行凍結之後，該第一金額的資金在法律效力上應當屬於第一用戶，但是可以是在第二用戶的資金帳戶中，只不過被添加了凍結狀態標識等方式進行凍結，第二使用者不能將這部分資金取出，或者利用這部分資金為其他商品物件付款。具體地，所述第二用戶資金帳戶包括總餘額及可用餘額。資金凍結模組30根據所述交易金額資訊將所述第二使用者資金帳戶的可用餘額設定為所述總餘額扣除被凍結的第一金額後的資金數目。In an embodiment, after the funds freezing module 30 freezes the funds of the first amount in the fund account of the second user, the funds of the first amount should belong to the first user in legal effect, but may be In the second user's fund account, it is only frozen by adding a frozen status identifier, and the second user cannot take out this part of the funds, or use this part of the funds to pay for other goods. Specifically, the second user funds account includes a total balance and an available balance. The fund freezing module 30 sets the available balance of the second user fund account as the total amount of funds after deducting the frozen first amount according to the transaction amount information.
資金轉移模組40用於在經過第一預設時間後，將所述凍結的第一金額的資金轉移到所述第一用戶的資金帳戶中。The funds transfer module 40 is configured to transfer the frozen first amount of funds to the first user's fund account after the first preset time has elapsed.
在一實施方式中，若第一使用者希望在第一預設時間之前而拿到商品貨款，資金轉移模組40還用於在經過第二預設時間後，根據所述第一使用者的提取請求及所述資金的凍結時間長短將不同比例的所述第一金額的資金轉移到所述第一用戶的資金帳戶中。所述第一預設時間及所述第二預設時間從所述第一金額的資金被凍結起開始計算。所述第一預設時間大於所述第二預設時間，所述第一金額的資金凍結時間的長短可以根據實際需要進行設定。所述第二預設時間同樣可以根據實際需要進行設定。In an embodiment, if the first user wants to obtain the merchandise payment before the first preset time, the money transfer module 40 is further configured to: after the second preset time, according to the first user The withdrawal request and the freezing time of the funds transfer funds of the first amount in different proportions to the funds account of the first user. The first preset time and the second preset time are calculated starting from the freezing of the first amount of funds. The first preset time is greater than the second preset time, and the length of the funds freezing time of the first amount may be set according to actual needs. The second preset time can also be set according to actual needs.
舉例而言，若所述第一金額的資金凍結時間是一個月（假設為30天），第二預設時間為十天，資金凍結十天後即允許第一用戶申請提取所述商品貨款。若第一用戶願意等待資金凍結期完全結束（即第一預設時間結束），則其可收到100％的商品交易金額。而若第一用戶希望可以相對於此期限而較早拿到商品貨款，則可以依據縮短的時間多寡而匯予不同比例的金額。例如，若期待凍結期提早一周結束，則可能拿到97％的商品交易金額；若希望提早10天結束，則可能拿到93％的商品交易金額；若希望提早2周結束，則可能拿到90％的商品交易金額。For example, if the first amount of funds is frozen for one month (assumed to be 30 days) and the second preset time is ten days, the first user is allowed to apply for the withdrawal of the goods after ten days of freezing. If the first user is willing to wait for the capital freeze period to end completely (ie, the first preset time is over), then it can receive 100% of the commodity transaction amount. If the first user wants to get the goods payment earlier than this deadline, then the amount of the different proportions can be remitted according to the shortened time. For example, if you expect the freezing period to end one week earlier, you may get 97% of the merchandise transaction amount; if you want to end 10 days earlier, you may get 93% of the merchandise transaction amount; if you want to end 2 weeks earlier, you may get it. 90% of the merchandise transaction amount.
在一實施方式中，若在資金凍結期結束前未收到所述第一用戶的提款請求，資金轉移模組40用於在經過第一預設時間後，將所述第一金額的資金全部轉移到所述第一用戶的資金帳戶中。所述第一預設時間即為資金的凍結時間。In an embodiment, if the withdrawal request of the first user is not received before the end of the capital freeze period, the fund transfer module 40 is configured to: after the first preset time, the first amount of funds is All are transferred to the funds account of the first user. The first preset time is the freezing time of the funds.
需要說明的是，所述第二預設時間需小於所述第一預設時間。當達到凍結資金所設定的凍結期限時，所述中立帳戶裡的金額或所述第二用戶的資金帳戶中被凍結的金額會被匯至第一用戶帳戶中。同時，在匯款完成時，會有通知資訊顯示於買/賣雙方。當被凍結的交易金額被匯至第一用戶的帳戶時，在第二使用者的電商平臺介面上會顯示出此筆交易金額的凍結被解除，同時第二用戶的帳戶的整體金額會減少（可以是總餘額減少）；在第一使用者的電商平臺介面上會顯示出此筆交易金額的凍結被解除，同時第一用戶的帳戶的整體金額會增加。It should be noted that the second preset time needs to be smaller than the first preset time. When the freeze period set by the frozen funds is reached, the amount in the neutral account or the frozen amount in the second user's fund account is remitted to the first user account. At the same time, when the remittance is completed, there will be notification information displayed on both the buyer/seller. When the frozen transaction amount is remitted to the first user's account, the second user's e-commerce platform interface will show that the freezing of the transaction amount is released, and the overall amount of the second user's account is reduced. (The total balance can be reduced); the first user's e-commerce platform interface will show that the freeze on the transaction amount is released, and the overall amount of the first user's account will increase.
在一實施方式中，在交易訂單成立到資金凍結期限結束前，若所述交易訂單被取消或所述商品未送達到所述第二用戶等情形，所述被凍結的交易金額將會在到達凍結期限後匯回到所述第二用戶的資金帳戶中。當交易訂單成立之後且所述商品送達到所述第二用戶，可有一通知資訊傳送到所述第一用戶和所述第二用戶的電商平臺。當第二用戶點擊“貨物送達確認”或未點擊“退貨申請”， 資金轉移模組40將在經過第一預設時間後將所述凍結的第一金額的資金全部轉移到所述第一用戶的資金帳戶中。In an embodiment, the frozen transaction amount will arrive if the transaction order is cancelled or the item is not delivered to the second user or the like before the transaction order is established until the end of the capital freeze period. After the freeze period, it is returned to the fund account of the second user. When the transaction order is established and the item is delivered to the second user, a notification message may be transmitted to the e-commerce platform of the first user and the second user. When the second user clicks "goods delivery confirmation" or does not click "return application", the funds transfer module 40 will transfer all the frozen first amount of funds to the first user after the first preset time has elapsed. In the fund account.
圖3為本發明一實施方式中商品交易資訊的處理方法的流程圖。本方法可以使用在圖1或圖2所示的商品交易資訊的處理裝置100中。FIG. 3 is a flowchart of a method for processing commodity transaction information according to an embodiment of the present invention. The method can be used in the processing device 100 of the commodity transaction information shown in FIG. 1 or 2.
步驟S300，接收模組10接收購買商品的請求。In step S300, the receiving module 10 receives a request to purchase an item.
步驟S302，訂單生成模組20根據所述請求生成交易訂單，所述交易訂單包括交易金額資訊、銷售所述商品的第一使用者資訊以及購買所述商品的第二使用者資訊。Step S302, the order generating module 20 generates a transaction order according to the request, the transaction order includes transaction amount information, first user information for selling the product, and second user information for purchasing the product.
步驟S304，資金凍結模組30根據所述交易金額資訊將所述第二使用者資金帳戶中的第一金額的資金置為凍結狀態。Step S304, the fund freezing module 30 sets the funds of the first amount in the second user fund account to a frozen state according to the transaction amount information.
步驟S306，資金轉移模組40在經過第一預設時間後，將所述第一金額的資金轉移到所述第一用戶的資金帳戶中。Step S306, after the first preset time elapses, the funds transfer module 40 transfers the funds of the first amount to the fund account of the first user.
在一實施方式中，可以將銷售該商品的用戶稱為第一用戶，將購買該商品的用戶稱為第二用戶。所述商品是指第二用戶在電商平臺進行流覽採購時，選中並下單購買第一用戶的商品。該商品可以是生活用品、服裝鞋帽、食品、家電、書籍等等各種線上出售的商品。In an embodiment, a user who sells the item may be referred to as a first user, and a user who purchases the item may be referred to as a second user. The commodity refers to the second user selecting and placing an order to purchase the first user's merchandise when browsing the e-commerce platform. The goods can be various items sold online, such as daily necessities, clothing, shoes, hats, food, home appliances, books, and the like.
在一實施方式中，所述交易訂單還可以包括所述購買的商品的基本資訊、數量、第二使用者的收件位址、***話、物流運輸等資訊。當第二用戶在電商平臺上確認欲購買所述商品時，訂單生成模組20即可通知第一使用者和第二使用者該商品交易成立並生成交易訂單。In an embodiment, the transaction order may further include basic information, quantity, second user's receiving address, contact telephone number, logistics and transportation information of the purchased product. When the second user confirms that the product is to be purchased on the e-commerce platform, the order generating module 20 can notify the first user and the second user that the commodity transaction is established and generate a transaction order.
在一實施方式中，當第二使用者在電商平臺上確認欲購買所述商品時，訂單生成模組20先行獲取所述第二用戶在所述電商平臺的資金帳戶的餘額，並判斷所述第二用戶資金帳戶的餘額是否大於所述交易金額。若所述第二用戶資金帳戶的餘額大於所述交易金額，訂單生成模組20根據所述請求生成所述交易訂單。若所述第二用戶資金帳戶的餘額小於所述交易金額，則訂單生成模組20不生成所述交易訂單，並輸出餘額不足的通知資訊至所述第二使用者，以待第二用戶的餘額充足時再生成所述交易訂單。In an embodiment, when the second user confirms that the product is to be purchased on the e-commerce platform, the order generating module 20 first acquires the balance of the fund account of the second user on the e-commerce platform, and determines Whether the balance of the second user funds account is greater than the transaction amount. If the balance of the second user funds account is greater than the transaction amount, the order generating module 20 generates the transaction order according to the request. If the balance of the second user funds account is less than the transaction amount, the order generating module 20 does not generate the transaction order, and outputs notification information of insufficient balance to the second user, to wait for the second user. The transaction order is generated when the balance is sufficient.
在一實施方式中，當接收到第二用戶的購買請求並生成具體的交易訂單之後，接下來即可根據所述交易金額將所述第二用戶資金帳戶中的第一金額的資金置為凍結狀態。其中，具體凍結的第一金額可以小於或者等於所述商品的交易金額。In an embodiment, after receiving the purchase request of the second user and generating a specific transaction order, the first amount of funds in the second user funds account may be frozen according to the transaction amount. status. The specific amount of the specific freeze may be less than or equal to the transaction amount of the commodity.
在一實施方式中，該凍結的第一金額可以同時顯示於第一使用者、第二用戶的電商平臺交互介面，並告知雙方（第一用戶及第二用戶）何時將凍結的第一金額匯入至第一用戶的資金帳戶中。該凍結的第一金額可以被匯入一中立帳戶，當資金凍結模組30將該凍結的第一金額匯入一中立帳戶後，可以輸出通知資訊至電商平臺介面，以在電商平臺上顯示出凍結的金額及凍結時間，第一用戶及第二用戶即可藉由所述通知資訊看到被凍結的第一金額的相關資訊。In an embodiment, the frozen first amount may be displayed simultaneously on the e-commerce platform interaction interface of the first user and the second user, and the two parties (the first user and the second user) are notified of the first amount to be frozen. Import into the funds account of the first user. The frozen first amount can be remitted to a neutral account. When the funds freezing module 30 remits the frozen first amount to a neutral account, the notification information can be output to the e-commerce platform interface on the e-commerce platform. The frozen amount and the freezing time are displayed, and the first user and the second user can see the related information of the frozen first amount by using the notification information.
在一實施方式中，資金凍結模組30將所述第二用戶的資金帳戶中的第一金額的資金進行凍結之後，該第一金額的資金在法律效力上應當屬於第一用戶，但是可以是在第二用戶的資金帳戶中，只不過被添加了凍結狀態標識等方式進行凍結，第二使用者不能將這部分資金取出，或者利用這部分資金為其他商品物件付款。具體地，所述第二用戶資金帳戶包括總餘額及可用餘額。資金凍結模組30根據所述交易金額資訊將所述第二使用者資金帳戶的可用餘額設定為所述總餘額扣除被凍結的第一金額後的資金數目。In an embodiment, after the funds freezing module 30 freezes the funds of the first amount in the fund account of the second user, the funds of the first amount should belong to the first user in legal effect, but may be In the second user's fund account, it is only frozen by adding a frozen status identifier, and the second user cannot take out this part of the funds, or use this part of the funds to pay for other goods. Specifically, the second user funds account includes a total balance and an available balance. The fund freezing module 30 sets the available balance of the second user fund account as the total amount of funds after deducting the frozen first amount according to the transaction amount information.
在一實施方式中，若第一使用者希望在第一預設時間之前而拿到商品貨款，資金轉移模組40還用於在經過第二預設時間後，根據所述第一使用者的提取請求及所述資金的凍結時間長短將不同比例的所述第一金額的資金轉移到所述第一用戶的資金帳戶中。所述第一預設時間及所述第二預設時間從所述第一金額的資金被凍結起開始計算。所述第一預設時間大於所述第二預設時間，所述第一金額的資金凍結時間的長短可以根據實際需要進行設定。所述第二預設時間同樣可以根據實際需要進行設定。In an embodiment, if the first user wants to obtain the merchandise payment before the first preset time, the money transfer module 40 is further configured to: after the second preset time, according to the first user The withdrawal request and the freezing time of the funds transfer funds of the first amount in different proportions to the funds account of the first user. The first preset time and the second preset time are calculated starting from the freezing of the first amount of funds. The first preset time is greater than the second preset time, and the length of the funds freezing time of the first amount may be set according to actual needs. The second preset time can also be set according to actual needs.
舉例而言，若所述第一金額的資金凍結時間是一個月（假設為30天），第二預設時間為十天，資金凍結十天後即允許第一用戶申請提取所述商品貨款。若第一用戶願意等待資金凍結期完全結束（即第一預設時間結束），則其可收到100％的商品交易金額。而若第一用戶希望可以相對於此期限而較早拿到商品貨款，則可以依據縮短的時間多寡而匯予不同比例的金額。例如，若期待凍結期提早一周結束，則可能拿到97％的商品交易金額；若希望提早10天結束，則可能拿到93％的商品交易金額；若希望提早2周結束，則可能拿到90％的商品交易金額。For example, if the first amount of funds is frozen for one month (assumed to be 30 days) and the second preset time is ten days, the first user is allowed to apply for the withdrawal of the goods after ten days of freezing. If the first user is willing to wait for the capital freeze period to end completely (ie, the first preset time is over), then it can receive 100% of the commodity transaction amount. If the first user wants to get the goods payment earlier than this deadline, then the amount of the different proportions can be remitted according to the shortened time. For example, if you expect the freezing period to end one week earlier, you may get 97% of the merchandise transaction amount; if you want to end 10 days earlier, you may get 93% of the merchandise transaction amount; if you want to end 2 weeks earlier, you may get it. 90% of the merchandise transaction amount.
在一實施方式中，若在資金凍結期結束前未收到所述第一用戶的提款請求，資金轉移模組40用於在經過第一預設時間後，將所述第一金額的資金全部轉移到所述第一用戶的資金帳戶中。所述第一預設時間即為資金的凍結時間。In an embodiment, if the withdrawal request of the first user is not received before the end of the capital freeze period, the fund transfer module 40 is configured to: after the first preset time, the first amount of funds is All are transferred to the funds account of the first user. The first preset time is the freezing time of the funds.
需要說明的是，所述第二預設時間需小於所述第一預設時間。當達到凍結資金所設定的凍結期限時，所述中立帳戶裡的金額或所述第二用戶的資金帳戶中被凍結的金額會被匯至第一用戶帳戶中。同時，在匯款完成時，會有通知資訊顯示於買/賣雙方。當被凍結的交易金額被匯至第一用戶的帳戶時，在第二使用者的電商平臺介面上會顯示出此筆交易金額的凍結被解除，同時第二用戶的帳戶的整體金額會減少（可以是總餘額減少）；在第一使用者的電商平臺介面上會顯示出此筆交易金額的凍結被解除，同時第一用戶的帳戶的整體金額會增加。It should be noted that the second preset time needs to be smaller than the first preset time. When the freeze period set by the frozen funds is reached, the amount in the neutral account or the frozen amount in the second user's fund account is remitted to the first user account. At the same time, when the remittance is completed, there will be notification information displayed on both the buyer/seller. When the frozen transaction amount is remitted to the first user's account, the second user's e-commerce platform interface will show that the freezing of the transaction amount is released, and the overall amount of the second user's account is reduced. (The total balance can be reduced); the first user's e-commerce platform interface will show that the freeze on the transaction amount is released, and the overall amount of the first user's account will increase.
在一實施方式中，在交易訂單成立到資金凍結期限結束前，若所述交易訂單被取消或所述商品未送達到所述第二用戶等情形，所述被凍結的交易金額將會在到達凍結期限後匯回到所述第二用戶的資金帳戶中。當交易訂單成立之後且所述商品送達到所述第二用戶，可有一通知資訊傳送到所述第一用戶和所述第二用戶的電商平臺。當第二用戶點擊“貨物送達確認”或未點擊“退貨申請”， 資金轉移模組40將在經過第一預設時間後將所述凍結的第一金額的資金全部轉移到所述第一用戶的資金帳戶中。In an embodiment, the frozen transaction amount will arrive if the transaction order is cancelled or the item is not delivered to the second user or the like before the transaction order is established until the end of the capital freeze period. After the freeze period, it is returned to the fund account of the second user. When the transaction order is established and the item is delivered to the second user, a notification message may be transmitted to the e-commerce platform of the first user and the second user. When the second user clicks "goods delivery confirmation" or does not click "return application", the funds transfer module 40 will transfer all the frozen first amount of funds to the first user after the first preset time has elapsed. In the fund account.
上述存儲介質、商品交易資訊的處理裝置及方法，允許賣家在資金凍結後選擇何時收到貨款，同時又能最大程度降低買賣雙方資金的安全隱患，促進線上交易的達成。The above storage medium, commodity transaction information processing device and method allow the seller to select when to receive the payment after the funds are frozen, and at the same time minimize the security risks of the buyers and sellers funds, and promote the online transaction.
綜上所述，本發明符合發明專利要件，爰依法提出專利申請。惟，以上所述者僅為本發明之較佳實施方式，本發明之範圍並不以上述實施方式為限，舉凡熟悉本案技藝之人士爰依本發明之精神所作之等效修飾或變化，皆應涵蓋於以下申請專利範圍內。In summary, the present invention complies with the requirements of the invention patent and submits a patent application according to law. However, the above description is only a preferred embodiment of the present invention, and the scope of the present invention is not limited to the above-described embodiments, and equivalent modifications or variations made by those skilled in the art in accordance with the spirit of the present invention are It should be covered by the following patent application.
11‧‧‧記憶體 11‧‧‧ memory
12‧‧‧處理器 12‧‧‧ Processor
10‧‧‧接收模組 10‧‧‧ receiving module
20‧‧‧訂單生成模組 20‧‧‧Order Generation Module
30‧‧‧資金凍結模組 30‧‧‧Fund freezing module
40‧‧‧資金轉移模組 40‧‧‧Fund transfer module
100‧‧‧商品交易資訊的處理裝置 100‧‧‧Commodity trading information processing device
圖1是本發明一實施方式商品交易資訊的處理裝置的運用環境圖。Fig. 1 is a diagram showing an operational environment of a device for processing commodity transaction information according to an embodiment of the present invention.
圖2是本發明一實施方式商品交易資訊的處理裝置的功能模組圖。Fig. 2 is a functional block diagram of a device for processing commodity transaction information according to an embodiment of the present invention.
圖3是本發明一實施方式商品交易資訊的處理方法的步驟流程圖。3 is a flow chart showing the steps of a method of processing commodity transaction information according to an embodiment of the present invention.
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