TWI690882B - Storage medium, device and method for processing commodity trading information - Google Patents

Storage medium, device and method for processing commodity trading information Download PDF

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TWI690882B
TWI690882B TW106140404A TW106140404A TWI690882B TW I690882 B TWI690882 B TW I690882B TW 106140404 A TW106140404 A TW 106140404A TW 106140404 A TW106140404 A TW 106140404A TW I690882 B TWI690882 B TW I690882B
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user
funds
amount
transaction
account
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TW201926188A (en
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何其勳
郭俊彥
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鴻海精密工業股份有限公司
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Abstract

A device for processing commodity trading information includes: a receiving module configured to receive a purchase request of a commodity; an order generating module configured to generate a trading order according to the purchase request, wherein the trade order includes trading amount information, first user information for selling the commodity, and second user information for purchasing the commodity; a fund freezing module configured to freeze a first amount fund of a second user fund account according to the trading amount information; and a fund transferring module configured to transfer the first amount fund to a first user fund account after a first predetermined time. A storage medium and a method for processing commodity trading information is also provided.

Description

存儲介質、商品交易資訊的處理裝置及方法 Device and method for processing storage medium and commodity transaction information

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 technology, and in particular, to a storage medium and commodity transaction information processing device and method.

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 trading platforms and the rapid development of traditional communications, mobile communications and other 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 buyer user requesting shopping from the seller user via the Internet, the buyer user paying the seller's payment (the payment is frozen), the seller user shipping, the buyer user receiving the goods, and the seller user receiving the payment. Existing online trading platforms provide relatively simple transaction services, and there are certain security risks for 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 device and method for processing commodity transaction information, which can solve the problem in the prior art that the seller receives a single payment form.

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, including: a processor; and a memory, suitable for storing a plurality of instructions, the instruction is suitable for execution by the processor: receiving a request to purchase a commodity; The request generates a transaction order, the transaction order includes transaction amount information, first user information that sells the commodity, and second user information that purchases the commodity; the second user is based on the transaction amount information The first amount of funds in the fund account is placed in a frozen state; and after the first preset 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 to purchase a commodity; generating a transaction order according to the request, the transaction order including a transaction amount Information, information about the first user who sells the product, and information about the second user who bought the product; according to the transaction amount information, the first amount of funds in the second user’s funds account is placed in a frozen state ; And after the first preset time, transfer the first amount of funds 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 in the prior art that the seller receives a single payment form.

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 that stores a plurality of instructions, and the plurality of instructions can be executed by one or more processors to implement the steps of the above-mentioned commodity transaction information processing method.

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 above-mentioned storage medium and commodity transaction information processing device and method allow the seller to choose when to receive the payment after the funds are frozen, and at the same time it can minimize the security risks of the funds of both buyers and sellers and promote the achievement of online transactions.

11:記憶體 11: Memory

12:處理器 12: processor

10:接收模組 10: Receive 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: Processing device of commodity transaction information

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 an operation environment diagram of a product transaction information processing device 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。 2 is a functional module 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 flowchart of steps of a method for processing commodity transaction information according to an embodiment of the present invention.

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。 Please refer to FIGS. 1-2. In one embodiment, a device 100 for processing commodity transaction information can process commodity transaction information by accessing the Internet, thereby realizing online transaction of commodity. The commodity transaction information processing device 100 may be a server of an e-commerce platform, and the seller may publish the commodities to be sold to the e-commerce platform. The commodities may include daily necessities, clothing, shoes and hats, food, home appliances, books, etc. Goods for people's daily lives. Buyers can enter the e-commerce platform to browse products online, and if they meet their own needs, they can click on "Buy" and other buttons. Correspondingly, the product transaction information processing device 100 can receive a request to purchase the product.

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 commodity transaction information processing device 100 includes a memory 11, a processor 12, and one or more modules. The one or more modules are stored in the memory 11 and can be executed by the processor 12 to complete the functions provided by the present invention. The memory 11 can be used to store the commodity transaction information of the processing device 100 Various data, 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 generation module 20, a fund freezing module 30, and a fund transfer module 40. The module referred to in the present invention may be an instruction set that performs 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, it can be used as an installation package of an application store for users to download and use.

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 used to receive a request to purchase goods. In one embodiment, the user who sells the product is called the first user, and the user who bought the product is called the second user. The commodity refers to the second user selecting and placing an order to purchase the commodity of the first user when browsing and purchasing on the e-commerce platform. The product may be various items sold online such as daily necessities, clothing, shoes and hats, food, home appliances, books and so on.

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 generation module 20 is used to generate a transaction order according to the request received by the receiving module 10, and the transaction order includes transaction amount information, first user information for selling the commodity, and second user information for purchasing the commodity.

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 one embodiment, the transaction order may further include basic information, quantity, receipt address of the second user, contact phone number, logistics and transportation and other information of the purchased commodity.

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 one embodiment, when the second user confirms that he wants to purchase the commodity on the e-commerce platform, the order generation 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 one embodiment, when the second user confirms that he wants to purchase the commodity on the e-commerce platform, the order generation module 20 first obtains the balance of the second user’s fund account on the e-commerce platform and determines Whether the balance of the second user fund account is greater than the transaction amount. If the balance of the second user fund account is greater than the transaction amount, the order generation module 20 generates the transaction order according to the request. If the balance of the second user’s fund account is less than the transaction amount, the order generation 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’s 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 puts the first amount of funds in the second user funds account into 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 one embodiment, the products posted to the e-commerce platform generally specify a specific amount, which may be the entire payment of the product, or part of the payment as the down payment, which may be determined according to the sales strategy of the first user . Regardless of the specific sales strategy, it is published to the e-commerce platform The products in will have transaction amount information, and the amount information in the transaction order is also written based on 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 second user's purchase request and generating a specific transaction order, the first amount of funds in the second user's funds account can be placed in a frozen state according to the transaction amount. Wherein, the specifically frozen first amount 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 one embodiment, the frozen first amount can be displayed on the interactive interface of the e-commerce platform of the first user and the second user at the same time, and inform both parties (the first user and the second user) when the frozen first amount Remitted to the first user's funds account.

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 one embodiment, the frozen first amount can be transferred to a neutral account. When the fund freezing module 30 transfers the frozen first amount to a neutral account, it can output notification information to the e-commerce platform interface. In order to display the frozen amount and frozen time on the e-commerce platform, the first user and the second user can see the related information of the frozen first amount through 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 one embodiment, after the funds freezing module 30 freezes the first amount of funds in the second user's funds account, the first amount of funds should belong to the first user in terms of legal effect, but may be In the funds account of the second user, it is only frozen by adding a freeze status indicator, etc. The second user cannot withdraw this part of the funds or use this part of the funds to pay for other commodity items. Specifically, the second user fund account includes a total balance and an available balance. The fund freezing module 30 sets the available balance of the second user’s fund account to the total balance after deducting the frozen first amount of funds 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 fund transfer module 40 is used to transfer the frozen first amount of funds to the first user's fund account after the first preset time has passed.

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 one embodiment, if the first user wishes to receive the merchandise payment before the first preset time, the fund transfer module 40 is further used to pass the second preset time according to the first user’s The withdrawal request and the freezing time of the funds transfer different proportions of the first amount of funds to the funds account of the first user. The first preset time and the second preset time are calculated from the time when the funds of the first amount are frozen. The first preset time is greater than the second preset time, and the length of the first amount of funds freezing time can 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 freezing time of the first amount of funds is one month (assuming 30 days), the second preset time is ten days, and the first user is allowed to apply for withdrawal of the merchant after ten days of freezing the funds Goods payment. If the first user is willing to wait for the end of the fund freezing period to complete (that is, the end of the first preset time), he can receive 100% of the commodity transaction amount. If the first user wishes to get the merchandise payment earlier than this time limit, he can remit to different proportions according to the shortened time. For example, if you expect the freezing period to end one week earlier, you may get 97% of the commodity transaction amount; if you want to end 10 days earlier, you may get 93% of the commodity transaction amount; if you want to end 2 weeks earlier, you may get 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 one embodiment, if the withdrawal request of the first user is not received before the end of the fund freezing period, the fund transfer module 40 is used to transfer the first amount of funds after the first preset time 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 less than the first preset time. When the frozen period set by the frozen funds is reached, the amount in the neutral account or the frozen amount in the funds account of the second user will be remitted to the first user account. At the same time, when the remittance is completed, a notification message will be displayed to both buyers and sellers. 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 transaction amount has been frozen, and the overall amount of the second user's account will decrease (It may be that the total balance is reduced); the first user’s e-commerce platform interface will show that the freezing of the transaction amount is lifted, and the total 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 one embodiment, before the transaction order is established until the end of the fund freeze period, if the transaction order is cancelled or the commodity is not delivered to the second user, the frozen transaction amount will be reached After the freeze period, remit to the second user's fund account. After the transaction order is established and the merchandise is delivered to the second user, there may be a notification message sent to the e-commerce platform of the first user and the second user. When the second user clicks "confirmation of delivery of goods" or does not click "return application", the fund transfer module 40 will transfer all the frozen first amount of funds to the first user after the first preset time Funds 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。 3 is a flowchart of a method for processing commodity transaction information in an embodiment of the present invention. This method can be used in the commodity transaction information processing device 100 shown in FIG. 1 or FIG. 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 goods.

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 generation module 20 generates a transaction order according to the request, the transaction order includes transaction amount information, first user information for selling the commodity, and purchase of the commodity Second user information.

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 puts the first amount of funds in the second user's funds account into 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 passes, the fund transfer module 40 transfers the first amount of funds to the first user's fund account.

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 one embodiment, the user who sells the product may be referred to as the first user, and the user who purchased the product may be referred to as the second user. The commodity refers to the second user selecting and placing an order to purchase the commodity of the first user when browsing and purchasing on the e-commerce platform. The product may be various items sold online such as daily necessities, clothing, shoes and hats, food, home appliances, books and so on.

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 one embodiment, the transaction order may further include basic information, quantity, receipt address of the second user, contact phone number, logistics and transportation and other information of the purchased commodity. When the second user confirms that he wants to purchase the commodity on the e-commerce platform, the order generation 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 one embodiment, when the second user confirms that he wants to purchase the commodity on the e-commerce platform, the order generation module 20 first obtains the balance of the second user's fund account on the e-commerce platform and determines Whether the balance of the second user fund account is greater than the transaction amount. If the balance of the second user fund account is greater than the transaction amount, the order generation module 20 generates the transaction order according to the request. If the balance of the second user’s fund account is less than the transaction amount, the order generation module 20 does not generate the transaction order and outputs notification information of insufficient balance to the second user, waiting for the second user’s 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 one embodiment, after receiving the second user’s purchase request and generating a specific transaction order, the first amount of funds in the second user’s funds account can be set to be frozen according to the transaction amount status. Wherein, the specifically frozen first amount 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 one embodiment, the frozen first amount can be displayed on the interactive interface of the e-commerce platform of the first user and the second user at the same time, and inform both parties (the first user and the second user) when the frozen first amount Remitted to the first user's funds account. The frozen first amount can be transferred to a neutral account. When the fund freezing module 30 transfers the frozen first amount to a neutral account, it can output notification information to the e-commerce platform interface to be on the e-commerce platform. The frozen amount and frozen time are displayed, and the first user and the second user can see the related information of the frozen first amount through the notification information News.

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 one embodiment, after the funds freezing module 30 freezes the first amount of funds in the second user's funds account, the first amount of funds should belong to the first user in terms of legal effect, but may be In the funds account of the second user, it is only frozen by adding a freeze status indicator, etc. The second user cannot withdraw this part of the funds or use this part of the funds to pay for other commodity items. Specifically, the second user fund account includes a total balance and an available balance. The fund freezing module 30 sets the available balance of the second user’s fund account to the total balance after deducting the frozen first amount of funds 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 one embodiment, if the first user wishes to receive the merchandise payment before the first preset time, the fund transfer module 40 is further used to pass the second preset time according to the first user’s The withdrawal request and the freezing time of the funds transfer different proportions of the first amount of funds to the funds account of the first user. The first preset time and the second preset time are calculated from the time when the funds of the first amount are frozen. The first preset time is greater than the second preset time, and the length of the first amount of funds freezing time can 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 freezing time of the first amount of funds is one month (assuming 30 days) and the second preset time is ten days, the first user is allowed to apply to withdraw the merchandise payment after ten days of freezing the funds. If the first user is willing to wait for the end of the fund freezing period to complete (that is, the end of the first preset time), he can receive 100% of the commodity transaction amount. If the first user wishes to get the merchandise payment earlier than this time limit, he can remit to different proportions according to the shortened time. For example, if you expect the freezing period to end one week earlier, you may get 97% of the commodity transaction amount; if you want to end 10 days earlier, you may get 93% of the commodity transaction amount; if you want to end 2 weeks earlier, you may get 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 one embodiment, if the withdrawal request of the first user is not received before the end of the fund freezing period, the fund transfer module 40 is used to transfer the first amount of funds after the first preset time 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 less than the first preset time. When the frozen period set by the frozen funds is reached, the amount in the neutral account or the frozen amount in the funds account of the second user will be remitted to the first user account. At the same time, when the remittance is completed, Notification information is displayed on both buyers and sellers. 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 transaction amount has been frozen, and the overall amount of the second user's account will decrease (It may be that the total balance is reduced); the first user’s e-commerce platform interface will show that the freezing of the transaction amount is lifted, and the total 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 one embodiment, before the transaction order is established until the end of the fund freeze period, if the transaction order is cancelled or the commodity is not delivered to the second user, the frozen transaction amount will be reached After the freeze period, remit to the second user's fund account. After the transaction order is established and the merchandise is delivered to the second user, there may be a notification message sent to the e-commerce platform of the first user and the second user. When the second user clicks "confirmation of delivery of goods" or does not click "return application", the fund transfer module 40 will transfer all the frozen first amount of funds to the first user after the first preset time Funds 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 and commodity transaction information processing device and method allow the seller to choose when to receive the payment after the funds are frozen, and at the same time it can minimize the security risks of the funds of both buyers and sellers and promote the achievement of online transactions.

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 meets the requirements of the invention patent, and the patent application is filed in accordance with the law. However, the above are only the preferred embodiments of the present invention, and the scope of the present invention is not limited to the above-mentioned embodiments. Any equivalent modifications or changes made by those familiar with the art of this case in accordance with the spirit of the present invention are It should be covered by the following patent applications.

11:記憶體 11: Memory

12:處理器 12: processor

10:接收模組 10: Receive 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: Processing device of commodity transaction information

Claims (13)

一種商品交易資訊的處理方法，包括以下步驟：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；其中所述商品交易資訊的處理方法還包括：接收所述第一使用者的資金提取請求，并判斷所述資金提取請求的發起時間是否大於第二預設時間且小於所述第一預設時間；及當所述資金提取請求的發起時間大於所述第二預設時間且小於所述第一預設時間時，依據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。 A method for processing commodity transaction information, including the following steps: receiving a request to purchase a commodity; generating a transaction order according to the request, the transaction order including transaction amount information, first user information to sell the commodity, and purchase of the commodity The second user information of the second user; placing the first amount of funds in the second user’s funds account into a frozen state according to the transaction amount information; and after the first preset time, the first amount of The funds are transferred to the funds account of the first user; wherein the processing method of the commodity transaction information further includes: receiving the fund withdrawal request of the first user, and determining whether the initiation time of the fund withdrawal request is greater than the first Two preset times and less than the first preset time; and when the initiation time of the fund withdrawal request is greater than the second preset time and less than the first preset time, according to the freezing time of the funds Transfer the funds of the first amount in different proportions to the funds account of the first user. 如申請專利範圍第1項所述之處理方法，其中所述第一預設時間與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。 The processing method as described in item 1 of the patent application scope, wherein the first preset time and the second preset time are calculated from the time when the funds of the first amount are frozen. 如申請專利範圍第1項所述之處理方法，還包括：判斷所述交易訂單是否被取消及所述商品是否被送達；若所述交易訂單被取消或所述商品未被送達；及經過所述第一預設時間後，將所述第一金額的資金退回到所述第二用戶的資金帳戶中。 The processing method as described in item 1 of the patent application scope also includes: determining whether the transaction order is cancelled and whether the commodity is delivered; if the transaction order is cancelled or the commodity is not delivered; and After the first preset time, return the funds of the first amount to the funds account of the second user. 如申請專利範圍第1項所述之處理方法，其中所述根據所述請求生成所述交易訂單的步驟包括：獲取所述第二用戶資金帳戶的餘額；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，根據所述請求生成所述交易訂單；及若所述第二用戶資金帳戶的餘額小於所述交易金額，輸出餘額不足的通知資訊至所述第二使用者，以待餘額充足時生成所述交易訂單。 The processing method as described in item 1 of the patent application scope, wherein the step of generating the transaction order according to the request includes: obtaining the balance of the second user's fund account; determining the balance of the second user's fund account Is greater than the transaction amount; if the balance of the second user funds account is greater than the transaction amount, the transaction order is generated according to the request; and if the balance of the second user funds account is less than the transaction amount, The notification information of insufficient balance is output to the second user to generate the transaction order when the balance is sufficient. 如申請專利範圍第1項所述之處理方法，其中所述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的步驟包括：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匯入一中立帳戶，以對所述第二用戶資金帳戶中的第一金額的資金進行凍結。 The processing method as described in item 1 of the patent application scope, wherein the step of putting the first amount of funds in the second user funds account into a frozen state based on the transaction amount information includes: according to the transaction The amount information transfers the first amount of funds in the second user funds account to a neutral account to freeze the first amount of funds in the second user funds account. 如申請專利範圍第1項所述之處理方法，其中所述第二用戶資金帳戶包括總餘額及可用餘額，所述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的步驟包括：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所述第一金額後的資金數目，以對所述第二用戶資金帳戶中的第一金額的資金進行凍結。 The processing method as described in item 1 of the patent application scope, wherein the second user funds account includes a total balance and an available balance, and the first amount in the second user funds account according to the transaction amount information The step of placing the funds in the frozen state includes: setting the available balance of the second user’s funds account to the total balance after deducting the first amount of funds according to the transaction amount information, so as to The first amount of funds in the second user funds account is frozen. 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；其中所述指令還包括：接收所述第一使用者的資金提取請求，并判斷所述資金提取請求的發起時間是否大於第二預設時間且小於所述第一預設時間；及當所述資金提取請求的發起時間大於所述第二預設時間且小於所述第一預設時間時，依據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。 A commodity transaction information processing device, including: a processor; and a memory, suitable for storing a plurality of instructions, the instructions are suitable for execution by the processor: receive a request to purchase commodities; generate a transaction order according to the request, The transaction order includes transaction amount information, first user information for selling the commodity, and second user information for purchasing the commodity; according to the transaction amount information, the first The amount of funds is placed in a frozen state; and after the first preset time, the first amount of funds is transferred to the first user's funds account; wherein the instruction further includes: receiving the first use The fund withdrawal request of the applicant, and determine whether the initiation time of the fund withdrawal request is greater than the second preset time and less than the first preset time; and when the initiation time of the fund withdrawal request is greater than the second preset When the time is less than the first preset time, different proportions of the first amount of funds are transferred to the first user's fund account according to the freezing time of the funds. 如申請專利範圍第7項所述之處理裝置，其中所述第一預設時間與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。 The processing device according to item 7 of the patent application scope, wherein the first preset time and the second preset time are calculated from the time when the funds of the first amount are frozen. 如申請專利範圍第7項所述之處理裝置，其中所述指令還包括： 判斷所述交易訂單是否被取消及所述商品是否被送達；若所述交易訂單被取消或所述商品未被送達；及經過所述第一預設時間後，將所述第一金額的資金退回到所述第二用戶的資金帳戶中。 The processing device as described in item 7 of the patent application scope, wherein the instruction further includes: Determine whether the transaction order is cancelled and whether the commodity is delivered; if the transaction order is canceled or the commodity is not delivered; and after the first preset time, the first amount of funds is transferred Return to the funds account of the second user. 如申請專利範圍第7項所述之處理裝置，其中所述根據所述請求生成所述交易訂單的指令包括：獲取所述第二用戶資金帳戶的餘額；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，根據所述請求生成所述交易訂單；及若所述第二用戶資金帳戶的餘額小於所述交易金額，輸出餘額不足的通知資訊至所述第二使用者，以待餘額充足時生成所述交易訂單。 The processing device according to item 7 of the patent application scope, wherein the instruction to generate the transaction order according to the request includes: acquiring the balance of the second user fund account; determining the balance of the second user fund account Is greater than the transaction amount; if the balance of the second user funds account is greater than the transaction amount, the transaction order is generated according to the request; and if the balance of the second user funds account is less than the transaction amount, The notification information of insufficient balance is output to the second user to generate the transaction order when the balance is sufficient. 如申請專利範圍第7項所述之處理裝置，其中所述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的指令包括：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匯入一中立帳戶，以對所述第二用戶資金帳戶中的第一金額的資金進行凍結。 The processing device according to item 7 of the patent application scope, wherein the instruction to put the first amount of funds in the second user funds account into a frozen state based on the transaction amount information includes: according to the transaction The amount information transfers the first amount of funds in the second user funds account to a neutral account to freeze the first amount of funds in the second user funds account. 如申請專利範圍第7項所述之處理裝置，其中所述第二用戶資金帳戶包括總餘額及可用餘額，所述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的指令包括：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所述第一金額後的資金數目，以對所述第二用戶資金帳戶中的第一金額的資金進行凍結。 The processing device as described in item 7 of the patent application scope, wherein the second user funds account includes a total balance and an available balance, and the first amount in the second user funds account is based on the transaction amount information The instruction to place the funds in the frozen state includes: setting the available balance of the second user’s funds account to the total balance after deducting the first amount according to the transaction amount information, so as to The first amount of funds in the second user funds account is frozen. 一種電腦可讀取存儲介質，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，以實現如申請專利範圍1-6任一項所述的商品交易資訊的處理方法的步驟。 A computer-readable storage medium storing multiple instructions, which can be executed by one or more processors to implement the method for processing commodity transaction information as described in any one of patent application scopes 1-6 A step of.
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* Cited by examiner, † Cited by third party
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TW201243749A (en) * 2011-04-27 2012-11-01 Alibaba Group Holding Ltd Online payment method and device
CN107194697A (en) * 2013-09-18 2017-09-22 腾讯科技（深圳）有限公司 The method and system authorized are provided by mobile terminal

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TW201243749A (en) * 2011-04-27 2012-11-01 Alibaba Group Holding Ltd Online payment method and device
CN107194697A (en) * 2013-09-18 2017-09-22 腾讯科技（深圳）有限公司 The method and system authorized are provided by mobile terminal

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