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Online transaction settlement processing method and device

A technology of online transactions and processing methods, applied in the field of Internet applications, can solve the problems of reducing the flexibility of capital flow, increasing the operating costs of sellers and users, and achieving the effect of improving flexibility and reducing operating costs

Inactive Publication Date: 2017-04-26
ALIBABA GRP HLDG LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The disadvantage of the above solution is that after the seller user pays the security deposit, the security deposit is frozen in the seller user account and cannot be used freely, which invisibly increases the operating cost of the seller user and reduces the flexibility of capital flow

Method used

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  • Online transaction settlement processing method and device
  • Online transaction settlement processing method and device
  • Online transaction settlement processing method and device

Examples

Experimental program
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Effect test

example 1

[0078] Example 1: The buyer to be claimed sent a return request. The pre-frozen amount determined by the buyer to be claimed is 2,000 yuan, which is less than 10,000 yuan. Therefore, the claim can be settled through the margin insurance. After the funds are frozen, the target seller user’s The available margin insurance balance is 8,000 yuan, and the compensation amount for rights protection requests is 1,500 yuan. From the frozen 2,000 yuan, pay 1,500 yuan to the buyer user who is waiting for the claim. If the claim is successful, the frozen remaining 500 yuan will be unfrozen, and the available security deposit of the target seller user The insurance balance is 8500 yuan.

example 2

[0079] Example 2: The buyer who is waiting for claims sends a return request. The pre-frozen amount determined by the buyer who is waiting for claims is 11,000 yuan, and 11,000 yuan is greater than 10,000 yuan. Therefore, the claim cannot be settled through the margin insurance. It can be considered that the claim has failed. At this time, you can pass Other ways to settle claims, for example, ask human customer service personnel to help solve the problem, etc.

example 3

[0080]Example 3: The buyer who is waiting for a claim sends a return request. The pre-frozen amount determined by the buyer who is waiting for a claim is 2,000 yuan, which is less than 10,000 yuan. Therefore, the claim can be settled through the margin insurance. After the funds are frozen, the target seller user The available margin insurance balance is 8,000 yuan, and the compensation amount for rights protection claims is 3,000 yuan. If 3,000 yuan is less than the sum of 2,000 yuan and 8,000 yuan, the frozen 2,000 yuan will be paid to the buyer who is waiting for the claim, and 1,000 yuan will be withdrawn from the 8,000 yuan Yuan is paid to the buyer user waiting for claim settlement, and the claim settlement is successful, and the available margin insurance balance of the target seller user is 7,000 yuan.

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Abstract

The invention discloses an online transaction settlement processing method and a device. The online transaction settlement processing method comprises the steps of receiving a right safeguarding request sent from a to-be-settlement buyer user and aiming at a target seller user; on the condition that a preset settlement condition is met, judging whether target seller user already purchases a deposit insurance or not, wherein the deposit insurance is an insurance that is paid in advance by an insurance company associated with the deposit insurance when the seller user has no available funds; on the condition that the target seller user already purchases the deposit insurance, transferring the amount of compensation specified in the right safeguarding request to the account of the to-be-settlement buyer user from the account of the insurance company associated with the deposit insurance. According to the embodiments of the present invention, the claim processing process is conducted and the operation cost is reduced. The flow flexibility of funds is improved.

Description

technical field [0001] The present application relates to the field of Internet application technology, and in particular to a method and device for online transaction claims processing. Background technique [0002] With the popularity of online transactions, transaction disputes between buyer users and seller users have become an objectively unavoidable phenomenon. In order to protect the rights and interests of buyers and users, some existing online trading platforms require sellers to pay a certain amount of security deposit in advance. Deduct the amount and transfer it to the buyer user. [0003] The disadvantage of the above solution is that after the seller user pays the security deposit, the security deposit is frozen in the seller user account and cannot be used freely, which invisibly increases the operating cost of the seller user and reduces the flexibility of capital flow. Contents of the invention [0004] In view of the above technical problems, this appli...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06
Inventor 梁越平吴勇陈轶闻
Owner ALIBABA GRP HLDG LTD
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