Security payment management method and device and storage medium
By establishing an association between the margin account and the parent account on the electronic trading platform and using an identification code for confirmation, the problem of information leakage during the payment of the target margin is solved, and the confidentiality and fairness of the bidding process are achieved.
Patent Information
- Application Number
- CN202510916395.8
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-07-03
- Publication Date
- 2025-10-17
AI Technical Summary
In bidding activities, there are confidentiality issues regarding the payment of the bid deposit, which leads to the risk of leakage of the number of bidders and affects the fairness and security of the bidding activities.
By establishing an association between the tenderer's bank parent account and the margin account on the electronic trading platform, setting preset conditions, the margin account information and remittance information will be sent to the tenderer's parent account only under specific conditions, and a unique identification code will be used for remittance confirmation to avoid the leakage of the amount and remitter information.
It ensures the confidentiality of the deposit payment process, prevents the leakage of bidder information, improves the fairness and transparency of bidding activities, and reduces the need for manual inquiries.
Smart Images
Figure CN120807116A_ABST
Abstract
Description
TECHNICAL FIELD
[0001] The application belongs to the technical field of management methods, and relates to a guarantee payment management method, in particular to a bidding guarantee payment management method, device and storage medium. BACKGROUND
[0002] Before large projects such as cargo procurement, engineering contracting and service provision are carried out, a bidding mode is usually used to select partners. In the bidding and tendering activities, a bidder pays a certain amount of guarantee to the tenderer according to the requirements of the tendering document, which is used to ensure that the bidder complies with the bidding regulations during the bidding process and performs the contract obligations after winning the bid. The guarantee is the subject guarantee. The main function of the subject guarantee is to prevent the bidder from performing false bidding and violating the bidding regulations during the bidding process, so as to ensure the normal performance and fair competition of the bidding activities.
[0003] The payment of the subject guarantee itself has confidentiality. When the bidder pays the guarantee to the bank account, the tenderer can learn the number of bidders through the amount of the guarantee and the number of the guarantees, which may lead to a leakage risk. SUMMARY
[0004] The application discloses a guarantee payment management method, device, equipment and storage medium, so as to realize the confidential management of the guarantee.
[0005] The application discloses a guarantee payment management method, which comprises the following steps:
[0006] Based on the subject information of the electronic transaction platform, a tenderer bank master account is obtained;
[0007] Based on the tenderer bank master account, one or more guarantee account information is established, and the guarantee account information at least comprises a guarantee bank account and a contact method;
[0008] An association relationship between the tenderer bank master account and the one or more guarantee account information is established;
[0009] One or more preset conditions are set, and if the guarantee account meets the one or more preset conditions, the payment information of the guarantee account is sent to the tenderer bank master account.
[0010] Further, the one or more preset conditions comprise a first preset condition, and the first preset condition is that the current subject is in an opening state.
[0011] Further, the one or more preset conditions further comprise a second preset condition, and the second preset condition is that the current subject is in a cancellation state.
[0012] Further, the tendering party bank master account is used to establish one or more guarantee account information, and the guarantee account information at least includes a guarantee bank account number and a contact number.
[0013] The guarantee account information is established in response to a bidding request of a bidder, and the guarantee account information corresponds to the bidder one by one.
[0014] The guarantee account information is sent to the bidder.
[0015] Further, the method further comprises:
[0016] An identification code is generated based on remittance information of the bidder;
[0017] The identification code is sent to the remitter and the electronic transaction platform respectively, and the electronic transaction platform stores the identification code;
[0018] The identification code is unique and does not contain a remittance amount.
[0019] Further, the method further comprises:
[0020] In response to the opening information, the remittance information is obtained based on the identification code;
[0021] The remittance information is sent to the electronic transaction platform for display.
[0022] Further, the target information further comprises a preset condition.
[0023] The remittance information is obtained, and it is determined whether the remittance information meets the guarantee preset condition.
[0024] If the guarantee preset condition is not met, feedback information is sent to the remitter.
[0025] Further, if the guarantee preset condition is not met, the feedback information is sent to the remitter.
[0026] If the guarantee preset condition is not met, the identification code and the feedback information are generated.
[0027] The identification code and the feedback information are packaged, and the packaged information is sent to the remitter.
[0028] Another aspect of the application also discloses a guarantee payment management device, comprising a processor and a memory.
[0029] The memory is used to store a computer program and transmit the computer program to the processor.
[0030] The processor is used to execute the guarantee payment management method according to the instructions in the computer program.
[0031] Another aspect of the present application also discloses a storage medium storing computer executable instructions, which when executed by a computer processor, are used to execute the above-mentioned guarantee fund payment management method.
[0032] Compared with the prior art, the present application establishes one or more guarantee fund account information based on target information, so that the tenderer bank master account cannot obtain the guarantee fund amount and quantity in the first time, and the situation of the tenderer can be effectively kept secret, and the security of the guarantee fund is improved. BRIEF DESCRIPTION OF DRAWINGS
[0033] Figure 1 The flowchart of the embodiment of the present application is shown. DETAILED DESCRIPTION
[0034] The following description and drawings are sufficient to enable one skilled in the art to practice the embodiments of the present application. The embodiments are merely representative of possible variations. Individual components and functions are optional unless specifically required, and the order of operations can be varied. Portions and features of some embodiments can be included in, or substituted for, portions and features of other embodiments. The scope of the embodiments of the present application includes the full scope of the claims, and all available equivalents of the claims. In this document, the term "application" can be used to refer to one or more embodiments of the application, either singularly or in the alternative. The application is not automatically limited to any single application or implementation, even if only one is expressly disclosed, unless required by the claims. In this document, relational terms such as first and second, and the like can be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but can include other elements not expressly listed or inherent to such process, method, article, or apparatus. The embodiments are described in a progressive manner, with each embodiment focusing on the differences from other embodiments, and the same or similar parts between embodiments are cross-referenced. For the structure, product, and the like disclosed in the embodiments, since they correspond to the parts disclosed in the embodiments, the description is relatively simple, and the relevant parts are described in the method part.
[0035] The present application discloses a guarantee fund payment management method, as shown in the formula (I), comprising: Figure 1
[0036] S101. Obtain a tenderer bank master account based on subject information of an electronic transaction platform;
[0037] The electronic transaction platform is a software platform for bidding and tendering, and the tenderer can publish subject information through the electronic transaction platform, wherein the subject information includes subject content and the tenderer bank master account; after the tenderer publishes the information, the electronic transaction platform can form corresponding tendering content to enable the tenderer to bid through the electronic transaction platform;
[0038] S102. Establish one or more guarantee account information based on the tenderer bank master account, wherein the guarantee account information at least includes a guarantee bank account number and a contact method;
[0039] The tenderer bank master account can be used to establish one or more guarantee account information, wherein the guarantee account information at least includes a guarantee bank account number and a contact method, the contact method is a corresponding virtual number, and the validity period of the virtual number is not earlier than the opening time of the bid;
[0040] S103. Establish an association between the tenderer bank master account and the one or more guarantee account information;
[0041] The guarantee bank account number is set as a subordinate sub-account of the tenderer bank master account, so that the tenderer bank master account has the right to manage the guarantee bank account number;
[0042] S104. Set one or more preset conditions, and if the guarantee account number meets one or more preset conditions, send the payment information of the guarantee account number to the tenderer bank master account.
[0043] Although the guarantee bank account number is a subordinate sub-account of the tenderer bank master account, the tenderer bank master account cannot view and control the guarantee bank account number at any time, which effectively avoids the tenderer obtaining the bidding-related information and improves the confidentiality.
[0044] The embodiment of the application establishes one or more guarantee account information based on the subject information, so that the tenderer bank master account cannot obtain the guarantee amount and quantity in the first time, which can effectively keep the information of the tenderer confidential and improve the confidentiality of the guarantee.
[0045] Optionally, the one or more preset conditions include a first preset condition, and the first preset condition is that the current subject is in the opening state.
[0046] The electronic transaction platform monitors the state of the target, and when the target is in the opening state, the right of viewing and managing the bank account of the guarantee money is opened to the bank mother account of the tendering party, so that the tenderer can view and control the guarantee money.
[0047] In particular, the one or more preset conditions further include a second preset condition, and the second preset condition is that the current target is in a cancel state.
[0048] The electronic transaction platform monitors the state of the target, and when the target is in the cancel state, the right of viewing and managing the bank account of the guarantee money is opened to the bank mother account of the tendering party, so that the tenderer can view and return the guarantee money.
[0049] Optionally, the S102. establishes one or more guarantee money account information based on the bank mother account of the tendering party, and the guarantee money account information at least includes the guarantee money bank account and the contact information.
[0050] S1021. In response to the bidding request of the bidding party, the guarantee money account information is established, and the guarantee money account information corresponds to the bidding party one by one.
[0051] In the embodiment of the application, a random bank sub-account is generated for each bidder (one-to-one between the bidder and the bank sub-account, and in special cases, it can also be set to a many-to-one situation), so that the bank end, the guarantee money management end and the transaction platform end cannot clearly know all the situations before the opening of the bid.
[0052] S1022. The guarantee money account information is sent to the bidding party.
[0053] After the bidding party fills in the bidding information, a guarantee money account information is automatically generated, the bidding party pays the guarantee money to the guarantee money bank account in the guarantee money account information, and the bidding process is completed.
[0054] Optionally, it further includes:
[0055] S105. The identification code is generated based on the remittance information, and the identification code is unique and does not contain the remittance amount.
[0056] The remittance information is read and identified, and a unique identification code corresponding to the remittance information is generated, and the unique identification code does not contain the remittance amount, which effectively avoids the leakage of the remittance amount and the information of the remitter.
[0057] S106. The identification code is sent to the remitter and the electronic transaction platform respectively, and the electronic transaction platform stores the identification code.
[0058] The identification code can be sent to the mobile phone, mailbox, etc.
[0059] The identification code can be sent to the mobile phone, mailbox, etc.
[0060] In particular, it comprises:
[0061] S107. In response to the opening information, the payment information is obtained based on the identification code;
[0062] The condition change of the target is collected, and the corresponding payment information is extracted through the identification code when the target is opened;
[0063] S108. The payment information is sent to the electronic transaction platform for display.
[0064] The bank management system sends the payment information corresponding to the identification code to the electronic transaction platform for display, which can be viewed by the public.
[0065] The embodiment of the application can automatically obtain and display the payment information through the opening information, realize the publicity of the payment information, and improve the fairness and openness of bidding.
[0066] Optionally, the target information further comprises a preset condition.
[0067] The payment information is obtained, and it is determined whether the payment information meets the preset condition of the guarantee fund.
[0068] The bidder can set the preset condition of the guarantee fund according to the requirements, such as the qualification of the bidder, the amount of the guarantee fund, etc.
[0069] If the preset condition of the guarantee fund is not met, feedback information is sent to the payer.
[0070] If the preset condition of the guarantee fund is not met, it means that the payer does not meet the requirements of the bidding, and the payer can supplement the guarantee fund according to the feedback information.
[0071] The embodiment of the application can judge the payment information, and when there is a problem in the payment of the guarantee fund, the payer can be fed back accordingly, so that the payer can make adjustments and modifications in the first time.
[0072] In particular, if the preset condition of the guarantee fund is not met, feedback information is sent to the payer.
[0073] If the guarantee fund preset condition is not met, the identification code and feedback information are generated;
[0074] If the guarantee fund preset condition is not met, the identification code and feedback information are generated at the same time, so that the remitter can confirm the remittance situation.
[0075] The identification code and feedback information are packaged and sent to the remitter.
[0076] The remitter can receive the identification code and feedback information at the same time, and can confirm the remittance completion and understand the feedback information, which is convenient for subsequent guarantee fund supplement.
[0077] In particular, it includes:
[0078] The remitter supplement information is obtained;
[0079] If the same remitter exists before, the remittance is identified as supplement information.
[0080] The remittance information and supplement information of the same remitter are combined to form update information.
[0081] The previous remittance information and the subsequent supplement information of the same remitter are combined to form update information, which includes the previous remittance information and the subsequent supplement information content, including the remittance amount and the remittance time, and the total amount is set as the guarantee fund.
[0082] It is judged whether the update information meets the guarantee fund preset condition.
[0083] The guarantee fund in the update information is read and judged again to determine whether the guarantee fund preset condition is met.
[0084] If the guarantee fund preset condition is met, the identification code corresponding to the remittance information is associated with the update information.
[0085] If the guarantee fund preset condition is met, the identification code is associated with the update information without changing the identification code, so as to avoid frequent replacement of the identification code of the electronic transaction platform target information and reduce the change of the electronic transaction platform target to the greatest extent.
[0086] The embodiment of the application establishes effective association between the identification code and the update information while keeping the identification code unchanged, and reduces the change of the electronic transaction platform target related content.
[0087] In particular, the guarantee fund preset condition includes:
[0088] The first amount threshold, if the remittance amount is not less than the first amount threshold, the preset condition is met.
[0089] The first amount threshold is a minimum guaranteed amount, which can be set by the tenderer.
[0090] The embodiment of the present application sets the first amount threshold to determine the amount of the bid person's remittance, thereby directly determining the identification of the bid person's remittance amount.
[0091] The guarantee payment management device provided by the embodiment of the present application is included in the guarantee payment management device, and can be used to execute the guarantee payment management method provided in the above embodiment, and has corresponding functions and advantages.
[0092] It is worth noting that the embodiment of the above guarantee payment management device includes various units and modules, which are only divided according to the function logic, but are not limited to the above division, as long as the corresponding functions can be realized; in addition, the specific name of each functional unit is only for the convenience of mutual distinction, and is not used to limit the protection scope of the present application.
[0093] The embodiment also provides a guarantee payment management device, and the guarantee payment management device provided by the embodiment of the present application includes a processor and a memory.
[0094] The memory is used to store a computer program and transmit the computer program to the processor.
[0095] The processor is used to execute the steps of the above-mentioned guarantee payment management method embodiment according to the instructions in the computer program.
[0096] For example, the computer program can be divided into one or more modules / units, one or more modules / units are stored in the memory and executed by the processor to complete the present application. One or more modules / units can be a series of computer program instruction segments capable of completing a specific function, which is used to describe the execution process of the computer program in the guarantee payment management device.
[0097] The guarantee payment management device can be a desktop computer, a notebook computer, a palm computer and a cloud server, etc. The guarantee payment management device can include, but is not limited to, a processor and a memory.
[0098] The processor can be a central processing unit (CPU), and can also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gates or transistor logic, discrete hardware components, etc. The general-purpose processor can be a microprocessor or the processor can be any conventional processor.
[0099] The memory can be an internal storage unit of the guarantee payment management apparatus, for example, a hard disk or a memory of the guarantee payment management apparatus. The memory can also be an external storage device of the guarantee payment management apparatus, for example, a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card, etc. Further, the memory can include both the internal storage unit and the external storage device of the guarantee payment management apparatus. The memory is used to store computer programs and other programs and data required by the guarantee payment management apparatus. The memory can also be used to temporarily store data that has been output or will be output.
[0100] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described system, apparatus and unit can refer to the corresponding processes in the foregoing method embodiments, which will not be described here.
[0101] In several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method can be implemented by other manners. For example, the apparatus embodiments described above are merely schematic, for example, the division of units is merely a logical function division, and actual implementation can have another division manner, for example, a plurality of units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between the units or components shown or discussed can be indirect coupling or communication connection through some interfaces, units or components, and can be electrical, mechanical or other forms.
[0102] Units described as separate components may or may not be physically separate, and components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected to achieve the purpose of this embodiment according to actual needs.
[0103] In addition, the functional units in the various embodiments of the present invention may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.
[0104] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the various embodiments of the present invention. The aforementioned storage medium includes various media that can store computer programs, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk.
[0105] An embodiment of the present invention further provides a storage medium containing computer-executable instructions. When the computer-executable instructions are executed by a computer processor, the computer-executable instructions are used to perform a margin payment management method. The method includes the following steps:
[0106] Obtain the tenderer's bank parent account based on the tender information on the electronic trading platform;
[0107] The electronic trading platform is a software platform used for bidding. Tenderers can publish bidding information through the electronic trading platform. The bidding information includes the bidding content and the tenderer's bank account. After the tenderer publishes the information, the electronic trading platform can generate the corresponding bidding content for bidders to bid through the electronic trading platform.
[0108] Establish one or more security deposit account information based on the tenderer's bank master account, and the security deposit account information shall at least include the security deposit bank account number and contact information;
[0109] The tenderer bank master account can establish one or more guarantee account information, and the guarantee account information at least includes a guarantee bank account number and a contact number, the contact number is a corresponding virtual number, and the virtual number is valid for no earlier than the opening time of the bid;
[0110] The tenderer bank master account is associated with one or more guarantee account information;
[0111] The guarantee bank account number is set as a subordinate account of the tenderer bank master account, so that the tenderer bank master account has the right to manage the guarantee bank account number;
[0112] One or more preset conditions are set, and if the guarantee account number meets one or more preset conditions, the payment information of the guarantee account number is sent to the tenderer bank master account.
[0113] Note that the above is only the preferred embodiment of the present application and the technical principle applied. Those skilled in the art will understand that the present application is not limited to the specific embodiments described herein, and those skilled in the art can make various obvious changes, re-adjustments and substitutions without departing from the scope of the present application. Therefore, although the present application has been described in more detail through the above embodiments, the present application is not limited to the above embodiments, and can include more other equivalent embodiments without departing from the concept of the present application, and the scope of the present application is determined by the scope of the appended claims.
Claims
1. A margin payment management method, characterized in that: include: Obtain the tenderer's bank parent account based on the tender information on the electronic trading platform; Establish one or more security deposit account information based on the tenderer's bank master account, and the security deposit account information shall at least include the security deposit bank account number and contact information; Establish an information association between the tenderer's bank master account and one or more margin account numbers; One or more preset conditions are set. If the deposit account meets one or more preset conditions, the payment information of the deposit account is sent to the tenderer's bank parent account.
2. A margin payment management method according to claim 1, characterized in that: The one or more preset conditions include a first preset condition, which is that the current bid is in an open bid state.
3. A margin payment management method according to claim 2, characterized in that: The one or more preset conditions also include a second preset condition, and the second preset condition is: the current target is in a canceled state.
4. A margin payment management method according to claim 1, characterized in that: The establishment of one or more margin account information based on the tenderer's bank master account, wherein the margin account information includes at least the margin bank account number and contact information, including: In response to a bid request from a bidder, establish security deposit account information, wherein the security deposit account information corresponds one-to-one with the bidder; Send deposit account information to bidders.
5. A margin payment management method according to claim 1, characterized in that: Also includes: Generate an identification code based on the bidder's remittance information; The identification code is sent to the remitter and the electronic transaction platform respectively, and the electronic transaction platform stores the identification code; The identification code is unique and does not contain the remittance amount.
6. A margin payment management method according to claim 5, characterized in that: include: In response to the bid opening information, obtaining remittance information based on the identification code; Send the remittance information to the electronic trading platform for display.
7. A margin payment management method according to claim 5, characterized in that: The target information also includes preset conditions; Obtain remittance information and determine whether the remittance information meets the preset margin conditions; If the preset conditions are not met, feedback information will be sent to the remitter.
8. A margin payment management method according to claim 7, characterized in that: If the deposit pre-conditions are not met, feedback information will be sent to the remitter; If the margin pre-conditions are not met, an identification code and feedback information will be generated; The identification code and feedback information are packaged and sent to the remitter.
9. A margin payment management device, characterized in that: The margin payment management device includes a processor and a memory; The memory is used to store a computer program and transmit the computer program to the processor; The processor is configured to execute the margin payment management method according to any one of claims 1 to 8 according to instructions in the computer program.
10. A storage medium storing computer executable instructions, characterized in that: When the computer executable instructions are executed by a computer processor, they are used to execute the margin payment management method according to any one of claims 1 to 8.