E-commerce transaction data processing method, device, readable storage medium and transaction system

Abstract

The application provides an e-commerce transaction data processing method, device, readable storage medium and transaction system, which combines a purchase procedure flow and a fund processing procedure flow, so that the e-commerce platform can not only provide buying and selling services, but also provide financial services, realizes one-stop transaction, financing and repayment functions of bulk commodities, and the buyer only needs to perform purchase, financing and repayment operations through the e-commerce platform, so that the operation of the buyer is simplified, the buyer does not need to perform financing and repayment through a bank online banking, and the experience is good. In addition, since the fund processing is completed by the e-commerce platform, the e-commerce platform can also take profits from the transaction.

Description

TECHNICAL FIELD

[0001] The application belongs to the technical field of transaction data processing, and particularly relates to an e-commerce transaction data processing method, device, readable storage medium and transaction system. BACKGROUND

[0002] For bulk commodities such as steel, when the buyer's own funds are weak, financing is often needed from the bank, and the current bulk commodity e-commerce platform can only provide the buying and selling services of the two parties, and the buyer can purchase through the e-commerce platform, but the e-commerce platform cannot provide financial services to the buyer, so the buyer needs to purchase through the e-commerce platform and also needs to finance and repay through the bank online banking, which is very inconvenient, and in this way, the fund operation is irrelevant to the e-commerce platform, and the e-commerce platform cannot share the profits. SUMMARY

[0003] Therefore, in view of the above technical problems, an e-commerce transaction data processing method, device, readable storage medium and transaction system are provided.

[0004] The technical scheme adopted by the application is as follows:

[0005] As a first aspect of the application, an e-commerce transaction data processing method is provided, comprising:

[0006] A first account corresponding to the e-commerce and a second account corresponding to the user are opened on the e-commerce transaction platform and the payment platform;

[0007] A purchase request for a specified commodity sent by the buyer terminal is received, and the purchase request includes the purchase quantity of the specified commodity;

[0008] According to the purchase request, a first data is generated, and the first data is sent to the buyer terminal, the first data includes the financing contract information agreed between the buyer, the e-commerce and the bank, and the access address information for the buyer terminal to enter the bank system to sign the loan contract, the financing contract information includes the total amount of the specified commodity calculated according to the purchase quantity and the unit price, the prepayment amount of the buyer, and the financing amount and the interest rate of the bank;

[0009] It is determined whether the first account receives the prepayment paid by the buyer according to the financing contract information and the loan issued by the bank according to the loan contract, if both are received, the first account is transferred to the collection account of the seller of the specified commodity;

[0010] A pick-up request for the specified commodity sent by the buyer terminal is received, and the pick-up request includes the pick-up quantity of the specified commodity;

[0011] According to the pickup request, second data is generated and sent to the buyer terminal, the second data including principal, bank interest and e-commerce service fee calculated according to the pickup quantity, unit price and interest rate;

[0012] The payment request sent by the buyer terminal is received and responded to, and the principal and bank interest part is transferred from the second account of the buyer to the bank and the e-commerce service fee part is transferred to the first account according to the second data.

[0013] As a second aspect of the present application, an e-commerce terminal device is provided, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the e-commerce transaction data processing method of the first aspect when executing the computer program.

[0014] As a third aspect of the present application, a computer readable storage medium is provided, which stores a computer program, wherein the computer program is executed by a processor to implement the e-commerce transaction data processing method of the first aspect.

[0015] As a fourth aspect of the present application, a transaction system is provided, comprising:

[0016] The e-commerce terminal device of the second aspect;

[0017] The seller terminal is configured to: in response to a user's operation, send a product publishing request to the e-commerce terminal device;

[0018] The buyer terminal is configured to: in response to a user's operation, send a purchase request for a specified product to the e-commerce terminal device, the purchase request including the purchase quantity of the specified product; receive the first data sent by the e-commerce terminal device and display the first data; send a pickup request for the specified product to the e-commerce terminal device, the pickup request including the quantity of the specified product; receive the second data sent by the e-commerce terminal device; in response to a user's operation, send a payment request to the e-commerce terminal device.

[0019] The present application combines the purchase procedure and the fund processing procedure, so that the e-commerce platform can not only provide buying and selling services, but also provide financial services, realizing one-stop transaction, financing and repayment functions, and the buyer only needs to operate through the e-commerce platform to purchase, finance and repay, simplifying the operation of the buyer, who does not need to finance and repay through the bank online banking, and the experience is good. In addition, since the fund processing is completed by the e-commerce platform, the e-commerce platform can also take profits from the transaction. BRIEF DESCRIPTION OF DRAWINGS

[0020] The present application will be described in detail below in conjunction with the drawings and specific embodiments:

[0021] Figure 1 A flowchart of an e-commerce transaction data processing method of the present application;

[0022] Figure 2 A structural schematic diagram of a transaction system of the present application;

[0023] Figure 3 A flowchart of a commodity transaction of the present application;

[0024] Figure 4 A structural block diagram of an e-commerce terminal device of the present application. DETAILED DESCRIPTION

[0025] The embodiments of the present application will be described below in conjunction with the accompanying drawings. It should be noted that the embodiments described in the present specification are not exhaustive, and do not represent the only embodiments of the present application. The following embodiments are only for the purpose of clearly illustrating the inventive content of the present patent, and are not intended to limit the embodiments. For those skilled in the art, based on the description of the embodiments, different forms of changes and modifications can also be made, and any changes or modifications that fall within the technical concept and inventive content of the present application are within the scope of protection of the present application.

[0026] The present specification provides an e-commerce transaction data processing method, as shown in Figure 2 The method is applied to an e-commerce terminal device 110, which provides a transaction platform for buyers and sellers to trade bulk commodities such as steel. The seller can publish commodities on the transaction platform through a seller terminal 120, and the buyer can browse commodity selling information on the transaction platform through a buyer terminal 130 and specify the commodities to be purchased. The e-commerce terminal device 110 also provides a payment platform for fund processing. The seller terminal 120 and the buyer terminal 130 can be a mobile phone or a computer, etc. The present specification does not limit this.

[0027] Figure 1 A flowchart of the method of the present specification is shown. In order to facilitate understanding, Figure 3 A flowchart of a steel coil transaction is shown. In combination with Figure 1 and Figure 3 the specific process of the method of the present specification is as follows:

[0028] S101, the e-commerce terminal device 110 opens a first account corresponding to the e-commerce and a second account corresponding to the user on the transaction platform and the payment platform.

[0029] The e-commerce terminal device 110 can open a first account for the e-commerce that can be used in the transaction platform and the payment platform, open a second account for the user that can be used in the transaction platform and the payment platform, or the e-commerce terminal device 110 can open a first account for the e-commerce in the transaction platform and a first account in the payment platform, and associate the two first accounts, open a second account for the user in the transaction platform and a second account in the payment platform, and associate the two second accounts.

[0030] The buyer and the seller are both users of the transaction platform and the payment platform.

[0031] S102, after the seller sends a commodity publishing request to the e-commerce terminal device 110 through the seller terminal 120, the e-commerce terminal device 110 receives the commodity publishing request sent by the seller terminal 120, publishes the commodity specified by the seller on the transaction platform, and associates the commodity with the second account of the seller.

[0032] S103, after the buyer sends a purchase request for a specified commodity to the e-commerce terminal device 110 through the buyer terminal 130, the e-commerce terminal device 110 receives the purchase request for the specified commodity sent by the buyer terminal 130, and the purchase request contains the purchase quantity of the specified commodity.

[0033] S104, the e-commerce terminal device 110 generates first data according to the purchase request and sends the first data to the buyer terminal 130.

[0034] The first data includes the financing contract information agreed between the buyer, the e-commerce and the bank, and the access address information for the buyer terminal 130 to enter the loan interface of the bank system to draft the loan contract.

[0035] The financing contract information can agree on the total amount of the specified commodity, the prepayment amount of the buyer, the financing amount and the interest rate of the bank, such as 20% of the total amount of the buyer's prepayment, and the financing amount of the bank is 80% of the total amount. The e-commerce terminal device 110 can calculate the total amount according to the purchase quantity and the unit price.

[0036] In a preferred embodiment, the first data is first audited by the e-commerce and the bank's auditors respectively, for example, the e-commerce auditor audits whether the commodity value is in the normal range, the bank auditor audits the repayment ability of the buyer, etc. The e-commerce terminal device 110 respectively obtains the audit results of the e-commerce and the bank on the first data, if the audit results of the e-commerce and the bank on the first data are both passed, the first data is sent to the buyer terminal 130, otherwise, it is not sent.

[0037] After the first data is received by the buyer terminal 130, the first data is displayed to the buyer. After the buyer agrees to the terms in the financing contract information, the buyer will pay the down payment to the first account. The buyer can use the buyer terminal 120 to complete the payment, which is not limited here.

[0038] For the access address information, the buyer terminal 130 can display the address to the buyer in the form of a link. The buyer clicks the link to make the buyer terminal 130 enter the loan interface of the bank system, thereby signing the loan contract. The address can also be displayed in the form of a two-dimensional code. The buyer enters the loan interface of the bank system by scanning the code with the mobile phone.

[0039] After the loan contract is signed, the bank system will issue the loan to the first account.

[0040] S105, the e-commerce terminal device 110 determines whether the first account has received the down payment paid by the buyer according to the financing contract information and the loan issued by the bank according to the loan contract. If both are received, the first account is transferred to the designated seller's payment account of the specified goods, and the total contract amount is paid to the seller.

[0041] The payment account of the seller can be the second account of the seller. After the seller receives the money, the ownership transfer of the specified goods is handled.

[0042] S106, after the transfer to the designated seller's payment account of the specified goods, the e-commerce terminal device 110 disassociates the specified goods with the second account of the corresponding seller, and associates the specified goods with the second account of the corresponding buyer. In this way, the buyer can sell these goods as a seller on the trading platform.

[0043] After the buyer receives the proceeds from the next party, the buyer can pay the proceeds to the corresponding second account. After the specified goods are associated with the second account of the buyer, the buyer can sell these goods as a seller on the trading platform, and the payment account can use the second account on the trading platform, so that the e-commerce terminal device 110 can pay the proceeds of the next party to the second account.

[0044] S107, after the buyer receives the proceeds from the next party, the buyer sends a pickup request for the specified goods to the e-commerce terminal device 110 through the buyer terminal 130. The e-commerce terminal device 110 receives the pickup request sent by the buyer terminal 130. The pickup request includes the pickup quantity of the specified goods.

[0045] S108, the e-commerce terminal device 110 generates second data according to the pickup request, and sends the second data to the buyer terminal 130. The second data includes the principal, bank interest, and e-commerce service fee calculated according to the pickup quantity, unit price, and interest rate.

[0046] After the second data is received by the buyer terminal 130, the second data is displayed to the buyer, and after the buyer confirms, the buyer terminal 130 sends a payment request to the e-commerce terminal device 110.

[0047] S109, the e-commerce terminal device 110 receives and responds to the payment request sent by the buyer terminal 130, and according to the second data, transfers the principal and the bank interest part from the second account of the buyer to the bank, and transfers the e-commerce service fee part to the first account.

[0048] As can be seen from the above, the method of the embodiments of the present specification combines the purchase procedure flow and the fund processing procedure flow, so that the e-commerce platform can not only provide buying and selling services, but also provide financial services, realize the one-stop transaction, financing and repayment functions of bulk commodities, and the buyer only needs to operate through the e-commerce platform to purchase, finance and repay, simplifying the operation of the buyer, and the buyer does not need to finance and repay through the bank online banking, and the experience is good. In addition, since the fund processing is completed by the e-commerce platform, the e-commerce platform can also take profits from the transaction.

[0049] Based on the same concept, Figure 4 A structural schematic block diagram of an e-commerce terminal device provided by the embodiments of the present specification is shown.

[0050] Illustratively, the e-commerce terminal device includes a memory 11, a processor 12, and a computer program stored on the memory 11 and executable on the processor 12, and the processor 12 implements the steps of various exemplary embodiments of the present application described in the above e-commerce transaction data processing method part when executing the computer program.

[0051] It should be understood that the processor 12 can be a central processing unit (CPU), and the processor 12 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 gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc.

[0052] The e-commerce terminal device can also include a communication interface 13 for communicating with the user device.

[0053] The embodiments of the present specification also provide a computer readable storage medium, which stores a computer program. The computer program is executed by a processor to implement the steps of the above-mentioned e-commerce transaction data processing method.

[0054] Those skilled in the art can understand that all or some of the steps in the method disclosed above, the functions of the modules / units in the system and the device can be implemented as software, firmware, hardware and appropriate combinations thereof. In the hardware implementation, the division between the functional modules / units mentioned in the above description does not necessarily correspond to the division of physical components; for example, one physical component can have multiple functions, or one function or step can be performed by several physical components in cooperation. Some or all of the physical components can be implemented as software executed by a processor, such as a central processing unit, a digital signal processor or a microprocessor, or as hardware, or as an integrated circuit, such as an application-specific integrated circuit. Such software can be distributed on a computer readable storage medium, which can include computer readable storage media (or non-transitory media) and communication media (or transitory media).

[0055] As known to those skilled in the art, the term computer readable storage medium includes volatile and non-volatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer readable storage media include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital versatile disk (DVD) or other optical disk storage, magnetic cassettes, magnetic tapes, magnetic disk storage or other magnetic storage devices, or any other medium that can be used to store desired information and can be accessed by a computer. In addition, it is known to those skilled in the art that communication media generally includes computer readable instructions, data structures, program modules or other data in modulated data signals such as carriers or other transport mechanisms, and can include any other medium that can be used to deliver information.

[0056] For example, the computer readable storage medium can be an internal storage unit of the e-commerce terminal device of the above-mentioned embodiments, such as the hard disk or memory of the electronic device. The computer readable storage medium can also be an external storage device of the e-commerce terminal device, such as a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card and the like equipped on the e-commerce terminal device.

[0057] It can be seen that the e-commerce terminal device and the computer readable storage medium provided by the foregoing embodiments combine the purchase procedure and the fund processing procedure, so that the e-commerce platform can not only provide buying and selling services, but also provide financial services, realize one-stop transaction, financing and repayment functions of bulk commodities, and the buyer can only perform purchase, financing and repayment operations through the e-commerce platform, thereby simplifying the operation of the buyer, and the buyer does not need to perform financing and repayment through a bank online banking system, and the experience is good. In addition, since the fund processing is completed by the e-commerce platform, the e-commerce platform can also obtain profits from the transaction.

[0058] Based on the same concept, as shown in Figure 2 The embodiments of the present specification also provide a transaction system, comprising:

[0059] The e-commerce terminal device 110 in the foregoing embodiments.

[0060] The seller terminal 120 is configured to: in response to an operation of a user, send a commodity publishing request to the e-commerce terminal device 110.

[0061] The buyer terminal 130 is configured to:

[0062] In response to an operation of a user, send a purchase request for a specified commodity to the e-commerce terminal device 110, and the purchase request comprises a purchase quantity of the specified commodity.

[0063] Receive the first data sent by the e-commerce terminal device 110, and display the first data.

[0064] Send a pick-up request for a specified commodity to the e-commerce terminal device 110, and the pick-up request comprises a quantity of the specified commodity.

[0065] Receive the second data sent by the e-commerce terminal device.

[0066] In response to an operation of a user, send a payment request to the e-commerce terminal device 110.

[0067] As shown in Figure 1 and Figure 3 The transaction process of the transaction system of the embodiments of the present specification is as follows:

[0068] 1. The e-commerce terminal device 110 opens a first account corresponding to an e-commerce platform and a second account corresponding to a user on the transaction platform and the payment platform.

[0069] The e-commerce terminal device 110 can open a first account for the e-commerce that can be used in the transaction platform and the payment platform, open a second account for the user that can be used in the transaction platform and the payment platform, or the e-commerce terminal device 110 can open a first account for the e-commerce in the transaction platform and a first account in the payment platform, and associate the two first accounts, open a second account for the user in the transaction platform and a second account in the payment platform, and associate the two second accounts.

[0070] Wherein, the buyer and the seller are both users of the transaction platform.

[0071] 2. The seller sends a commodity publishing request to the e-commerce terminal device 110 through the seller terminal 120.

[0072] 3. The e-commerce terminal device 110 receives the commodity publishing request sent by the seller terminal 120, publishes the commodity specified by the seller on the transaction platform, and associates the commodity with the second account of the seller, so that the buyer can sell the commodity on the transaction platform as the seller.

[0073] 4. The buyer sends a purchase request for a specified commodity to the e-commerce terminal device 110 through the buyer terminal 130.

[0074] 5. The e-commerce terminal device 110 receives the purchase request for the specified commodity sent by the buyer terminal 130, and the purchase request contains the purchase quantity of the specified commodity.

[0075] 6. The e-commerce terminal device 110 generates first data according to the purchase request.

[0076] 7. The first data is first audited by the e-commerce and the bank's auditors respectively, and the e-commerce terminal device 110 respectively acquires the audit results of the e-commerce and the bank on the first data, if the audit results of the e-commerce and the bank on the first data are both passed, the first data is sent to the buyer terminal 130, otherwise, it is not sent.

[0077] Wherein, the first data includes the financing contract information agreed between the buyer, the e-commerce and the bank, and the access address information for the buyer terminal 130 to enter the bank system to sign the loan contract.

[0078] The financing contract information can be agreed: the total amount of the specified commodity, the prepayment amount of the buyer, the financing amount and the interest rate of the bank, such as 20% of the total amount of the buyer's prepayment, the financing amount of the bank is 80% of the total amount, and the e-commerce terminal device 110 can calculate the total amount according to the purchase quantity and the unit price.

[0079] 8. After receiving the first data, the buyer terminal 130 will display the first data to the buyer. If the buyer has no objection to the agreement in the financing contract information, the buyer will pay the prepayment to the first account. If the buyer user can use the buyer terminal 120 to complete the payment, there is no restriction here.

[0080] Regarding the access address information, the buyer terminal 130 can display the address to the buyer as a link. The buyer can click the link to enter the loan interface of the bank system and thus sign a preliminary loan contract. Alternatively, the buyer terminal 130 can display the address as a QR code. The buyer can scan the code with their mobile phone to enter the loan interface of the bank system.

[0081] 9. Once the loan agreement is drafted, the bank system will disburse the loan to the first account.

[0082] 10. The e-commerce terminal device 110 determines whether the first account has received the prepayment paid by the buyer according to the financing contract information and the loan issued by the bank according to the loan contract. If both have been received, the first account will transfer the funds to the seller's receiving account for the designated goods, and the seller will be paid the total contract amount.

[0083] The seller's receiving account can be a second account of the seller.

[0084] 11. After receiving the money, the seller shall transfer the ownership of the designated goods.

[0085] 12. After transferring funds to the seller's receiving account for the designated goods, the e-commerce terminal device 110 will disconnect the designated goods from the corresponding seller's second account and associate the designated goods with the corresponding buyer's second account.

[0086] After receiving payment from the downstream buyer, the buyer can transfer the payment to its corresponding secondary account. For example, after a specific product is associated with the buyer's secondary account, the buyer can sell these products on the trading platform as a seller, and the receiving account can use the secondary account on the trading platform, allowing the e-commerce terminal device 110 to transfer the downstream buyer's payment to the secondary account.

[0087] 13. After receiving payment from the downstream buyer, the buyer sends a pickup request for the designated goods to the e-commerce terminal device 110 through the buyer's terminal 130.

[0088] 14. The e-commerce terminal device 110 receives a pickup request, which includes the quantity of the specified goods to be picked up.

[0089] 15. The e-commerce terminal device 110 generates second data based on the pickup request and sends the second data to the buyer terminal 130. The second data includes the principal, bank interest, and e-commerce service fee calculated based on the pickup quantity, unit price, and interest rate.

[0090] 16. After receiving the second data, the buyer terminal 130 displays the second data to the buyer. After the buyer confirms, the buyer sends a payment request to the e-commerce terminal device 110 through the buyer terminal 130.

[0091] 17. The e-commerce terminal device 110 receives and responds to the payment request sent by the buyer's terminal 130, and transfers the principal and bank interest portion from the buyer's second account to the bank according to the second data, and transfers the e-commerce service fee portion to the first account.

[0092] As can be seen, the transaction system in this embodiment combines the purchase process and the fund processing process, enabling the e-commerce platform to not only provide buying and selling services, but also financial services, realizing one-stop trading, financing, and repayment functions for bulk commodities. Furthermore, the buyer only needs to conduct purchase, financing, and repayment operations through the e-commerce platform, simplifying the buyer's operations. The buyer does not need to conduct financing and repayment through online banking, resulting in a better user experience. In addition, since the fund processing is completed by the e-commerce platform, the e-commerce platform can also share profits from the transactions.

[0093] However, those skilled in the art should recognize that the above embodiments are only used to illustrate the present invention and are not intended to limit the present invention. Any changes or modifications to the above embodiments that are within the essential spirit of the present invention will fall within the scope of the claims of the present invention.

Claims

1. An e-commerce transaction data processing method, characterized by, The method comprises the following steps: opening a first account corresponding to the e-commerce and a second account corresponding to the user on the transaction platform and the payment platform of the e-commerce; receiving a purchase request for a specified commodity sent by a buyer terminal, the purchase request comprising a purchase quantity of the specified commodity; generating first data according to the purchase request and sending the first data to the buyer terminal, the first data comprising financing contract information agreed between the buyer, the e-commerce and the bank and access address information for the buyer terminal to enter a loan interface of the bank system to draft a loan contract, the financing contract information comprising a total amount of the specified commodity calculated according to the purchase quantity and unit price, a prepayment amount of the buyer and a financing amount and interest rate of the bank; determining whether the first account receives a prepayment paid by the buyer according to the financing contract information and a loan issued by the bank according to the loan contract, and if both are received, transferring money from the first account to a payment account of a seller of the specified commodity; receiving a pick-up request for the specified commodity sent by the buyer terminal, the pick-up request comprising a pick-up quantity of the specified commodity; generating second data according to the pick-up request and sending the second data to the buyer terminal, the second data comprising principal, bank interest and e-commerce service fee calculated according to the pick-up quantity, unit price and interest rate; receiving and responding to a payment request sent by the buyer terminal, transferring the principal and bank interest part from the second account of the buyer to the bank and transferring the e-commerce service fee part to the first account according to the second data; wherein the sending of the first data to the buyer terminal further comprises: obtaining an audit result of the first data by the e-commerce and the bank respectively; if the audit results of the first data by the e-commerce and the bank are both passed, sending the first data to the buyer terminal.

2. The electronic business transaction data processing method of claim 1, wherein, Further comprising: receiving a commodity publishing request sent by a seller terminal; publishing a commodity specified by the seller on the transaction platform and associating the commodity with a second account of the seller. 3.The method of processing electronic business transaction data according to claim 2, wherein, The payment account of the seller is the second account of the seller.

4. The electronic business transaction data processing method of claim 3, wherein, Further comprising: after the transfer to the payment account of the seller of the specified commodity, disassociating the specified commodity from the second account of the corresponding seller and associating the specified commodity with the second account of the corresponding buyer.

5. An e-commerce terminal device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, The processor executes the computer program to realize the method of any one of claims 1-4.

6. A computer-readable storage medium having stored thereon a computer program, characterized in that, The computer program is executed by the processor to realize the method of any one of claims 1-4.

7. A trading system characterized by, The method comprises the following steps: The e-commerce terminal device of claim 5; a seller terminal, configured to: in response to an operation of a user, send a commodity publishing request to the e-commerce terminal device; a buyer terminal, configured to: in response to an operation of a user, send a purchase request for a specified commodity to the e-commerce terminal device, the purchase request comprising a purchase quantity of the specified commodity; and receive first data sent by the e-commerce terminal device and display the first data. The buyer terminal further sends a pickup request for the specified commodity to the e-commerce terminal, the pickup request including the quantity of the specified commodity; receives second data sent by the e-commerce terminal; and sends a payment request to the e-commerce terminal in response to a user operation.

8. The transaction system of claim 7 wherein, The displaying of the first data further includes: According to the access address information, a two-dimensional code is generated.

9. The transaction system of claim 8 wherein, The buyer terminal further sends the prepayment to the first account in response to a user operation.

10. The transaction system of claim 9, wherein, The buyer terminal further enters a loan interface of the bank system according to access address information in the first data. The buyer terminal further sends a pickup request for the specified commodity to the e-commerce terminal, the pickup request including the quantity of the specified commodity; receives second data sent by the e-commerce terminal; and sends a payment request to the e-commerce terminal in response to a user operation.

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