Electronic transaction method, apparatus, device, system, and medium

Abstract

The application discloses an electronic transaction method, device, equipment, system and medium, and belongs to the field of electronic payment. The method comprises the following steps: a transaction platform receives a first electronic coupon request message sent by a channel platform through a gateway, the first electronic coupon request message comprises a product identifier of a transaction product, a channel product identifier of the transaction product and a transaction quantity of the transaction product, and the transaction product comprises a real product and / or a virtual product; a second electronic coupon request message is generated according to the first electronic coupon request message and is sent to a product providing platform; a first electronic coupon result message fed back by the product providing platform is received, a second electronic coupon result message is generated according to the first electronic coupon result message, and the second electronic coupon result message is fed back to the channel platform through the gateway, wherein the second electronic coupon result message comprises an electronic coupon converted from the transaction product and an electronic coupon serial number. According to the embodiment of the application, the architecture of the product transaction supporting the real product and the virtual product can be simplified.

Description

Technical Field

[0001] This application belongs to the field of electronic payment, and in particular relates to an electronic transaction method, device, equipment, system and medium. Background Technology

[0002] With the continuous development of e-commerce, more and more merchants are joining e-commerce platforms, where users purchase goods and make payments. Merchants can offer both physical and virtual goods. Due to the different nature of physical and virtual goods, e-commerce platforms need to build two transaction systems: one for physical goods transactions and the other for virtual goods transactions. These two systems make the overall transaction architecture more complex and increase construction and operating costs. Summary of the Invention

[0003] This application provides an electronic transaction method, apparatus, device, system, and medium that can simplify the architecture supporting commodity transactions of both physical and virtual goods.

[0004] In a first aspect, embodiments of this application provide an electronic transaction method applied to a transaction platform. The method includes: receiving a first electronic coupon request message sent by a channel platform through a gateway; the first electronic coupon request message includes a channel identifier, a product identifier of the transaction product, a transaction type, a channel product identifier of the transaction product, and a transaction quantity of the transaction product; the transaction product includes physical goods and / or virtual goods; generating and sending a second electronic coupon request message to a product providing platform based on the first electronic coupon request message; the second electronic coupon request message includes a product provider identifier, a product provider identifier of the transaction product, a transaction type, and a transaction quantity of the transaction product; receiving a first electronic coupon result message from the product providing platform; generating a second electronic coupon result message based on the first electronic coupon result message; and sending the second electronic coupon result message back to the channel platform through a gateway; the first electronic coupon result message is generated by the product providing platform based on the second electronic coupon request message; the first electronic coupon result message includes an electronic coupon converted from the transaction product and an electronic coupon serial number; the second electronic coupon result message includes an electronic coupon converted from the transaction product, an electronic coupon serial number, a channel identifier, and a channel product identifier of the transaction product.

[0005] Secondly, embodiments of this application provide an electronic transaction method applied to a goods provision platform. The method includes: receiving a second electronic coupon request message sent by the transaction platform, wherein the second electronic coupon request message is obtained by the transaction platform based on a first electronic coupon request message sent by a channel platform through a gateway. The first electronic coupon request message includes a channel identifier, a product identifier of the traded goods, a transaction type, a channel product identifier of the traded goods, and a transaction quantity of the traded goods. The traded goods include physical goods and / or virtual goods. The second electronic coupon request message includes a goods provider identifier, a goods provider product identifier of the traded goods, a transaction type, and a transaction quantity of the traded goods. Based on the second electronic coupon request message, a first electronic coupon result message is generated, including an electronic coupon converted from the traded goods and an electronic coupon serial number. The first electronic coupon result message is then fed back to the transaction platform, so that the transaction platform generates a second electronic coupon result message based on the first electronic coupon result message and feeds back the second electronic coupon result message to the channel platform through a gateway. The second electronic coupon result message includes an electronic coupon converted from the traded goods, an electronic coupon serial number, a channel identifier, and a channel product identifier of the traded goods.

[0006] Thirdly, embodiments of this application provide an electronic transaction device applied to a transaction platform. The device includes: a first receiving module, configured to receive a first electronic coupon request message sent by a channel platform through a gateway. The first electronic coupon request message includes a channel identifier, a product identifier of the transaction commodity, a transaction type, a channel product identifier of the transaction commodity, and a transaction quantity of the transaction commodity. The transaction commodity includes physical goods and / or virtual goods; a first processing module, configured to generate a second electronic coupon request message based on the first electronic coupon request message. The second electronic coupon request message includes a product provider identifier, a product provider identifier of the transaction commodity, a transaction type, and a transaction quantity of the transaction commodity; The sending module is used to send a second electronic coupon request message to the product providing platform; the first receiving module is also used to receive a first electronic coupon result message from the product providing platform, which is generated by the product providing platform based on the second electronic coupon request message. The first electronic coupon result message includes the electronic coupon converted from the traded product and the electronic coupon serial number; the first processing module is also used to generate a second electronic coupon result message based on the first electronic coupon result message. The second electronic coupon result message includes the electronic coupon converted from the traded product, the electronic coupon serial number, the channel identifier, and the channel product identifier of the traded product; the first sending module is also used to send the second electronic coupon result message back to the channel platform through the gateway.

[0007] Fourthly, this application provides an electronic transaction device applied to a goods provision platform. The device includes: a second receiving module for receiving a second electronic coupon request message sent by the transaction platform. The second electronic coupon request message is obtained by the transaction platform based on a first electronic coupon request message sent by a channel platform through a gateway. The first electronic coupon request message includes a channel identifier, a goods identifier of the traded goods, a transaction type, a channel goods identifier of the traded goods, and a transaction quantity of the traded goods. The traded goods include physical goods and / or virtual goods. The second electronic coupon request message includes a goods provider identifier, a goods provider identifier of the traded goods, a transaction type, and a transaction quantity of the traded goods; a second processing module for generating a first electronic coupon result message based on the second electronic coupon request message. The first electronic coupon result message includes an electronic coupon converted from the traded goods and an electronic coupon serial number; and a second sending module for sending the first electronic coupon result message back to the transaction platform, so that the transaction platform generates a second electronic coupon result message based on the first electronic coupon result message and sends the second electronic coupon result message back to the channel platform through a gateway. The second electronic coupon result message includes an electronic coupon converted from the traded goods, an electronic coupon serial number, a channel identifier, and a channel goods identifier of the traded goods.

[0008] Fifthly, embodiments of this application provide an electronic device, including: a processor and a memory storing computer program instructions; the processor executes the computer program instructions to implement the electronic transaction method of the first aspect or the electronic transaction method of the second aspect.

[0009] Sixthly, embodiments of this application provide an electronic trading system, including: a trading platform for executing the electronic trading method of the first aspect; and a commodity providing platform for executing the electronic trading method of the second aspect.

[0010] In a seventh aspect, embodiments of this application provide a computer-readable storage medium storing computer program instructions, which, when executed by a processor, implement the electronic transaction method of the first aspect or the electronic transaction method of the second aspect.

[0011] This application provides an electronic transaction method, apparatus, device, system, and medium. A transaction platform receives a first electronic voucher request message sent by a channel platform through a gateway. Based on the information in the first electronic voucher request message, the platform generates a second electronic voucher request message to be sent to a product providing platform. This allows the product providing platform to convert the traded goods into electronic vouchers using the information related to the traded goods in the second electronic voucher request message, and then sends a first electronic voucher result message, including the converted electronic vouchers, back to the transaction platform. The transaction platform can generate a second electronic voucher result message, also including the converted electronic vouchers, to be sent to the channel platform based on the first electronic voucher result message. In this electronic transaction process, regardless of whether the traded goods are physical or virtual, they are all uniformly converted into electronic vouchers. Information flow of traded goods is achieved through electronic vouchers, eliminating the need for separate transaction systems for physical and virtual goods. Only a transaction system for electronic vouchers is needed to facilitate the trading of both physical and virtual goods, simplifying the transaction architecture and reducing the construction and operating costs of the transaction system. Attached Figure Description

[0012] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0013] Figure 1 A schematic diagram of an example architecture of a system supporting an electronic transaction method provided in an embodiment of this application;

[0014] Figure 2 A flowchart of an electronic transaction method provided in an embodiment of the first aspect of this application;

[0015] Figure 3 A flowchart of an electronic transaction method provided in another embodiment of the first aspect of this application;

[0016] Figure 4 A flowchart illustrating an example of a direct sales model provided in this application embodiment;

[0017] Figure 5 A flowchart illustrating an example of a consignment model provided in an embodiment of this application;

[0018] Figure 6 A flowchart of an electronic transaction method provided in yet another embodiment of the first aspect of this application;

[0019] Figure 7 A schematic diagram illustrating an example of a two-tier data architecture provided in an embodiment of this application;

[0020] Figure 8A flowchart of an electronic transaction method provided in an embodiment of the second aspect of this application;

[0021] Figure 9 A flowchart of an electronic transaction method provided for another embodiment of the second aspect of this application;

[0022] Figure 10 A flowchart of an electronic transaction method provided in yet another embodiment of the second aspect of this application;

[0023] Figure 11 A flowchart illustrating an example of an electronic coupon issuance process and an electronic coupon redemption process provided in an embodiment of this application;

[0024] Figure 12 A flowchart illustrating an example of an electronic coupon refund process provided in an embodiment of this application;

[0025] Figure 13 A schematic diagram of an example of an electronic transaction device provided in an embodiment of the third aspect of this application;

[0026] Figure 14 A schematic diagram of the structure of an electronic transaction device provided in an embodiment of the fourth aspect of this application;

[0027] Figure 15 This is a schematic diagram of the structure of an electronic device provided according to an embodiment of the fifth aspect of this application. Detailed Implementation

[0028] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples. It should be noted that the acquisition, storage, use, and processing of information and data in the embodiments of this application are all authorized by users or relevant organizations and comply with the relevant provisions of national laws and regulations.

[0029] With the continuous development of e-commerce, more and more merchants are joining e-commerce platforms, where users purchase goods and make payments. Merchants can offer both physical and virtual goods. Due to the different nature of physical and virtual goods, e-commerce platforms need to build two transaction systems: one for physical goods transactions and the other for virtual goods such as virtual tickets. These two systems make the overall transaction architecture more complex and increase construction and operating costs.

[0030] This application provides an electronic transaction method, apparatus, device, system, and medium that can convert traded goods into electronic vouchers for information flow through interaction between channel platforms, transaction platforms, and commodity provision platforms. In this way, regardless of whether the traded goods are physical or virtual, the transactions can be conducted in the form of electronic vouchers. It is not necessary to establish separate transaction systems for physical and virtual goods. The transactions of physical and virtual goods can be realized through a single transaction system, which simplifies the structure of commodity transactions and reduces the construction and operation costs of the transaction system.

[0031] For ease of explanation, the architecture of the system supporting the electronic transaction method in the embodiments of this application will be described first. Figure 1 A schematic diagram of an example architecture of a system supporting an electronic transaction method provided in an embodiment of this application, as shown below. Figure 1 As shown, the system supporting this electronic transaction method may include a channel platform 11, a gateway 12, a transaction platform 13, and a product provision platform 14.

[0032] Channel platform 11 belongs to a channel provider, which may include merchants selling traded goods. The trading platform can pre-output information about the traded goods to the channel platform via an Application Programming Interface (API) or an H5 page. Users can place orders and make payments through channel platform 11. Furthermore, the user's terminal may have a channel application or a channel mini-program. The user terminal can interact with channel platform 11 based on the user's input operations in the channel application or mini-program to realize the user's order placement and payment. Channel platform 11 may include one or more servers or other devices; the number and type of devices in channel platform 11 are not limited here.

[0033] Channel platform 11 can interact with transaction platform 13 through gateway 12. Gateway 12 may include general gateway 121 and content gateway 122. In some cases, channel platform 11 can communicate with transaction platform 13 through general gateway 121 and content gateway 122. In other cases, channel platform 11 can communicate with transaction platform 13 through content gateway 122. General gateway 121 and content gateway 122 can verify transmitted messages, etc., to improve transaction security.

[0034] The trading platform 13 belongs to the content transferor; that is, the trading platform 13 is built by the content transferor, who can monitor the transaction process. E-commerce operators can join the trading platform 13 to cooperate with channel providers in trading goods. The trading platform 13 can host one or more e-commerce operators. The channel provider platform 11 can use the trading platform 13 to request, redeem, and return electronic coupons from the product provider platform 14. The trading platform 14 enables connection between the channel provider platform 11 and the product provider platform 14. The trading platform 13 may include one or more servers or other equipment; the number and type of equipment in the trading platform 13 are not limited here.

[0035] The product provision platform 14 belongs to the product provider, who can provide products to channel partners and sell them to users through these channels. In this embodiment, the product provision platform 14 can uniformly convert physical and virtual goods into electronic coupons and feed them back to the transaction platform 13. It can also complete the redemption and refund of electronic coupons converted from goods. The product provision platform 14 may include one or more servers or other devices; the number and type of devices in the product provision platform 14 are not limited herein.

[0036] The electronic transaction methods, devices, equipment, systems, and media provided in this application are described below.

[0037] The first aspect of this application provides an electronic trading method that is applied to a trading platform, i.e., the electronic trading method can be executed by the trading platform. Figure 2 A flowchart of an electronic transaction method provided in an embodiment of the first aspect of this application is shown below. Figure 2 As shown, the electronic transaction method may include steps S201 to S203.

[0038] In step S201, the first electronic coupon request message is sent by the channel platform through the gateway.

[0039] The trading platform can pre-output product information to the channel platform via API or H5 page, allowing the channel platform to display the products to users through channel-specific applications or mini-programs on user terminals. These products can include physical goods and virtual goods, with virtual goods including virtual coupons. The user terminal receives user input and provides the channel platform with the product association information of the ordered item. The channel platform, based on its own channel information and the obtained product association information, generates a first electronic coupon request message and sends it to the trading platform through the gateway.

[0040] The first e-coupon request message is used to request an e-coupon corresponding to the traded product. This message may include, but is not limited to, a channel identifier, a product identifier, a transaction type, a channel product identifier for the traded product, and the transaction quantity. The traded product includes the product ordered by the user, which may include physical goods and / or virtual goods. The channel identifier identifies the channel platform or channel provider. The product identifier identifies the traded product and can be implemented as a content ID. The transaction type represents the type of this transaction; specifically, the transaction type in the first e-coupon request message can be the coupon issuance type, i.e., requesting an e-coupon corresponding to the traded product. The channel product identifier includes the identifier of the traded product within the channel provider; the same traded product may have different channel product identifiers on different channel providers, and there is a corresponding relationship between the product identifier and the channel product identifier. The transaction quantity represents the quantity of the traded product in the user's order; specifically, the transaction quantity may include the quantity of traded products corresponding to each channel product identifier or the quantity of traded products corresponding to each product identifier. The transaction quantity of the traded product in the first e-coupon request message will not exceed the inventory quantity of that traded product in the channel platform's channel database. In some examples, the first e-coupon request message may also include, but is not limited to, one or more of the following information: transaction time, account receiving the e-coupon, and channel user identifier. The account receiving the e-coupon may include, but is not limited to, a mobile phone number, a messaging app account, etc.; the channel user identifier includes the user's identifier on the channel platform.

[0041] In some examples, the trading platform may respond in advance to a channel platform's key request by providing a private key to the channel platform. The channel platform can then use this private key to sign the first e-coupon request message before sending it to the general gateway. The trading platform may also pre-distribute the public key corresponding to the aforementioned private key to the general gateway. The general gateway can use this public key to verify the received first e-coupon request message. Upon successful verification, the general gateway sends the first e-coupon request message to the content gateway. The content gateway can extract the channel identifier from the first e-coupon request message and use this identifier to verify whether the channel platform has permission to access the trading platform. If the verification is successful, the content gateway sends the first e-coupon request message to the trading platform.

[0042] In step S202, a second electronic coupon request message is generated and sent to the product providing platform based on the first electronic coupon request message.

[0043] The second electronic coupon request message is used to request an electronic coupon corresponding to the traded product from the product providing platform. The second electronic coupon request message may include, but is not limited to, the product provider identifier, the product provider identifier of the traded product, the transaction type, and the transaction quantity of the traded product. The product provider identifier identifies the product providing platform or the product provider to which the product providing platform belongs. The product provider identifier of the traded product includes the identifier of the traded product on the product provider's end; the identifier of the same traded product on the product provider's end differs from the identifier on the channel provider's end. There is a corresponding relationship between the product identifier of the traded product and the product provider's identifier. A corresponding relationship between the channel identifier and the product provider's identifier can also be established through the product identifier of the traded product. Since a product provider's product can be provided to multiple channel providers, the product provider's identifier of one traded product can correspond to multiple channel identifiers. The trading platform can determine the product provider's identifier of the traded product in the second electronic coupon request message based on the corresponding relationship between the traded product's identifier and the product provider's identifier, as well as the product identifier of the traded product in the first electronic coupon request message. The transaction type and quantity of the traded goods in the second electronic coupon request message are the same as those in the first electronic coupon request message. In some examples, the second electronic coupon request message may also include, but is not limited to, information such as the account receiving the electronic coupon, and the account receiving the electronic coupon in the second electronic coupon request message is the same as the account receiving the electronic coupon in the first electronic coupon request message.

[0044] In step S203, the system receives a first electronic coupon result message from the product providing platform, generates a second electronic coupon result message based on the first electronic coupon result message, and sends the second electronic coupon result message to the channel platform through the gateway.

[0045] The first electronic coupon result message is generated by the product providing platform based on the second electronic coupon request message. The first electronic coupon result message may include, but is not limited to, the electronic coupon converted from the traded product and the electronic coupon serial number. This electronic coupon is obtained from the traded product and can represent the traded product. The electronic coupon can be implemented in the form of a coupon code, or a combination of a coupon code and a coupon password; this is not limited here. The electronic coupon serial number corresponds one-to-one with the electronic coupon, and the electronic coupon and electronic coupon serial number are related to the product provider's identifier and the product provider's product identifier. The electronic coupon serial number may include an amount field; the value of the amount field in the electronic coupon serial number corresponding to the electronic coupon may be the unit price of the traded product corresponding to that electronic coupon. In some examples, the first electronic coupon result message may also include, but is not limited to, one or more of the following information: electronic coupon type, product provider's product identifier, etc. The electronic coupon type is used to represent the type of electronic coupon; for example, the electronic coupon type can represent whether the electronic coupon is in the form of a coupon code or a coupon code plus a coupon password. In some examples, the trading platform may encrypt and store the electronic coupon in the first electronic coupon result message locally.

[0046] The product providing platform can generate electronic coupons equal to the transaction quantity of the traded goods based on the product provider's product identifier and the transaction quantity of the traded goods in the second electronic coupon request message. Corresponding to the electronic coupons, the product providing platform can also generate electronic coupon serial numbers. For example, if a user purchases 5 items of product A and 10 items of product B, the product providing platform will generate 5 electronic coupons for product A and 5 corresponding electronic coupon serial numbers, and will also generate 10 electronic coupons for product B and 10 corresponding electronic coupon serial numbers.

[0047] After receiving the first electronic coupon result message, the trading platform generates a second electronic coupon result message based on it. The second electronic coupon result message may include, but is not limited to, the electronic coupon converted from the traded product, the electronic coupon serial number, the channel identifier, and the channel product identifier of the traded product. In some examples, the second electronic coupon result message may also include, but is not limited to, one or more of the following: electronic coupon type, electronic coupon status, etc. The electronic coupon status can characterize the status of the electronic coupon; for example, the electronic coupon status could be "issued successfully and used."

[0048] The trading platform can first send the second electronic coupon result message to the content gateway, which then sends it to the channel platform, enabling the channel platform to obtain the electronic coupon for the traded goods. Once the trading platform receives the second electronic coupon result message, it can be considered that the electronic coupon issuance was successful, and the traded goods transaction has been completed.

[0049] In this embodiment, the trading platform receives a first electronic coupon request message sent by the channel platform through a gateway. Based on the information in the first electronic coupon request message, the platform generates a second electronic coupon request message to be sent to the product providing platform. This allows the product providing platform to convert the traded goods into electronic coupons using the information related to the traded goods in the second electronic coupon request message, and then send a first electronic coupon result message, including the converted electronic coupons, back to the trading platform. The trading platform can generate a second electronic coupon result message, including the converted electronic coupons, to be sent to the channel platform based on the first electronic coupon result message. In this electronic transaction process, regardless of whether the traded goods are physical or virtual, they are all uniformly converted into electronic coupons. Information flow of traded goods is achieved through electronic coupons, eliminating the need for separate trading systems for physical and virtual goods. Only a trading system for electronic coupons is needed to realize the trading of both physical and virtual goods, simplifying the commodity trading architecture and reducing the construction and operating costs of the trading system.

[0050] In some embodiments, after the trading platform receives the first e-coupon request message sent by the channel platform through the gateway, the trading platform can also lock the transaction amount of the transaction indicated by the first e-coupon request message from the funds pre-deposited in the first escrow account of the channel platform. The trading platform can store the correspondence between channel product identifiers and channel product prices. The trading platform can determine the channel product price of the traded product based on the channel product identifier in the first e-coupon request message, and calculate the transaction amount of the transaction indicated by the first e-coupon request message using the channel product price and the traded quantity of the traded product in the first e-coupon request message. This transaction amount can be regarded as the total amount of the order for the transaction. The first escrow account can be escrowed by the operator or the content transfer provider. The channel platform can pre-deposit funds in the first escrow account. When the trading platform receives the first e-coupon request message, the user has already completed the order for the traded product on the channel platform. The transaction amount of the transaction indicated by the first e-coupon request message is frozen from the funds pre-deposited in the first escrow account of the channel platform, so that the corresponding amount can be deducted when the e-coupon is subsequently obtained. The transaction amount indicated by the first electronic voucher request message is generally less than or equal to the amount of funds pre-deposited by the channel platform in the first regulatory account. If the transaction amount indicated by the first electronic voucher request message is greater than the amount of funds pre-deposited by the channel platform in the first regulatory account, the trading platform may send a prompt message to the channel platform, prompting the channel platform to deposit the corresponding amount of funds into the first regulatory account.

[0051] In some examples, the trading platform can set two parameters: user payment amount and channel deduction amount. When the transaction is a direct sales model (where the user places an order through a channel platform), the user payment amount is set to the transaction amount indicated in the first e-coupon request message, and the channel deduction amount is set to 0. When the transaction is a consignment model (where the user places an order through a channel platform), the user payment amount is set to 0, and the user payment amount is set to the transaction amount indicated in the first e-coupon request message.

[0052] After receiving the electronic voucher result message from the product provider platform, the trading platform can also deduct the transaction amount of the transaction indicated by the locked first electronic voucher request message from the first escrow account. Upon receiving the electronic voucher result message from the product provider platform, the trading platform can confirm that the product provider platform has issued the electronic voucher and can then deduct the previously locked funds from the first escrow account.

[0053] In some embodiments, before the trading platform receives the first e-coupon result message from the product providing platform, if the trading platform receives the first e-coupon request message, it can generate a product order based on the first e-coupon request message. The transaction indicated by the first e-coupon request message is consistent with the transaction indicated by the product order. The product order can record the process from when a user places an order for a traded product to when they pay, and is mainly associated with the ordering process on the channel platform. After the trading platform receives the first e-coupon result message from the product providing platform, it can also update the status of the product order corresponding to the first e-coupon request message. The updated status of the product order indicates that the e-coupon has been successfully issued.

[0054] In some embodiments, the product providing platform has electronic voucher orders for electronic vouchers converted from traded goods. Specifically, the product providing platform can generate electronic voucher orders and record the status of the electronic voucher orders after generating electronic vouchers and electronic voucher serial numbers corresponding to the traded goods. The status of the electronic voucher order can represent the status of the electronic voucher. The electronic voucher may be a non-direct top-up electronic voucher or a direct top-up electronic voucher. When the product providing platform generates a first electronic voucher result message and the electronic voucher converted from the traded goods is a non-direct top-up electronic voucher, the updated status of the electronic voucher order indicates that the electronic voucher has been successfully issued. On the one hand, the transaction amount locked in the first regulatory account is deducted; on the other hand, the channel platform can correspondingly deduct the inventory of the traded goods in the channel database. Issuance of direct-top-up e-coupons can be considered as redemption. Correspondingly, when the product providing platform generates the first e-coupon result message and the e-coupon converted from the transaction product is a direct-top-up e-coupon, the status of the updated e-coupon order indicates that the e-coupon redemption is successful. The redemption time can be recorded. The amount corresponding to this e-coupon redemption is consistent with the amount in the e-coupon order. The day can be determined as the settlement date. On the one hand, the transaction amount locked in the first supervision account will be deducted. On the other hand, the channel platform can deduct the corresponding inventory of the transaction products in the channel database.

[0055] By monitoring the status of product orders and e-coupon orders, the issuance of e-coupons throughout the order lifecycle can be managed, improving the order processing efficiency for both channel partners and product providers.

[0056] In some embodiments, after issuing an electronic coupon via a first electronic coupon result message, the product providing platform can also redeem the issued electronic coupon. The product providing platform can redeem the electronic coupon converted from the traded goods when it receives the user's confirmation of receipt or when a specified time period has elapsed after the electronic coupon is issued. Figure 3 A flowchart illustrating an electronic transaction method provided in another embodiment of the first aspect of this application. Figure 3 and Figure 2 The difference is that, Figure 3 The electronic transaction method shown may also include steps S204 and S205.

[0057] In step S204, when the product providing platform verifies the electronic voucher converted from the traded product, the first electronic voucher verification message sent by the product providing platform is received.

[0058] The product providing platform verifies the e-vouchers converted from traded goods, considering the corresponding goods to have reached the user. The product providing platform can notify the trading platform of the e-voucher's verification via the first e-voucher verification message.

[0059] The first e-voucher redemption message indicates that the e-voucher has been redeemed. This message may include, but is not limited to, the product provider identifier, transaction type, the product provider identifier of the traded product, and the e-voucher converted from the traded product. The transaction type in the first e-voucher redemption message may be a redemption type. For details regarding the product provider identifier, the product provider identifier of the traded product, and the e-voucher converted from the traded product, please refer to the relevant descriptions in the above embodiments, which will not be repeated here. In some examples, the first e-voucher redemption message may also include, but is not limited to, the product provider transaction serial number.

[0060] In some examples, the product offering platform can interact with the trading platform through a single first e-voucher redemption message, signifying the redemption of an e-voucher converted from a traded product in this transaction. In other examples, the product offering platform can interact with the trading platform on a transaction-by-transaction basis through multiple first e-voucher redemption messages, signifying the redemption of an e-voucher converted from a traded product in this transaction. One first e-voucher redemption message can correspond to one e-voucher, or one first e-voucher redemption message can correspond to one traded product.

[0061] In step S205, a second electronic voucher redemption message is generated based on the first electronic voucher redemption message and sent to the channel platform through the gateway.

[0062] The second electronic voucher redemption message indicates that the electronic voucher has been redeemed. This message may include, but is not limited to, channel identifier, product identifier of the traded item, transaction type, electronic voucher serial number corresponding to the traded item, and channel product identifier of the traded item. The transaction type in the second electronic voucher redemption message can be the redemption type. The trading platform can obtain the information in the second electronic voucher redemption message based on the information in the first electronic voucher redemption message, its own stored correspondence between product identifiers and product provider product identifiers, product identifiers and channel product identifiers, and information obtained from the operator. In some examples, the trading platform may encrypt and store the electronic voucher from the first electronic voucher redemption message locally.

[0063] The trading platform can send the second electronic voucher redemption message to the content gateway in the gateway, and then the content gateway can send the second electronic voucher redemption message to the channel platform.

[0064] The trading platform verifies the electronic vouchers for the conversion of traded goods through a first electronic voucher verification message with the product providing platform and a second electronic voucher verification message with the channel platform, which facilitates settlement based on the verification status of the electronic vouchers.

[0065] The trading platform supports various settlement configurations, including post-verification settlement, settlement upon issuance of coupons, and settlement upon issuance of coupons. Post-verification settlement occurs after the electronic coupons have been verified. Settlement upon issuance of coupons occurs after the electronic coupons have been successfully issued. Settlement upon issuance of coupons allows for settlement without the need for the product provider platform to verify the electronic coupons upon successful issuance.

[0066] In some embodiments, when the trading platform receives the first electronic voucher redemption message, it can update the status of the product order corresponding to the first electronic voucher redemption message. The updated status of the product order indicates that the electronic voucher has been successfully issued.

[0067] In some embodiments, when the product providing platform redeems the electronic vouchers converted from traded goods, the status of the updated electronic voucher order indicates that the electronic voucher redemption was successful, and the redemption time can be recorded, with that day being determined as the settlement date.

[0068] By monitoring the status of product orders and e-coupon orders, the redemption of e-coupons throughout the order lifecycle can be managed, improving the order processing efficiency for both channel partners and product providers.

[0069] In the above embodiments, the mode of user purchase of traded goods may include direct sales or consignment sales. Direct sales is a mode where users place orders on the trading platform through a channel platform; that is, the trading platform receives user order requests through the channel platform. For example, Figure 4 This is a flowchart illustrating an example of a direct sales model provided in an embodiment of this application. The direct sales model may involve user terminals, channel platforms, transaction platforms, and payment platforms. The user terminal can represent a user, such as... Figure 4 As shown, the direct selling model may include steps a1 to a9.

[0070] In step a1, the user terminal sends an order request to the channel platform.

[0071] In step a2, the channel platform sends an order request to the trading platform.

[0072] In step a3, the trading platform sends the order result to the channel platform.

[0073] In step a4, the channel platform sends the order result to the user terminal.

[0074] In step a5, the user terminal initiates a payment to the channel platform.

[0075] In step a6, the channel platform initiates a payment to the transaction platform.

[0076] In step a7, the transaction platform initiates a payment to the payment platform.

[0077] In step a8, the payment platform sends the payment result back to the transaction platform.

[0078] In step a9, the transaction platform reports the payment result to the channel platform.

[0079] After step a9, the channel platform can send the first electronic voucher request message to the trading platform through the gateway.

[0080] In the direct selling model, user payments are transferred to the primary escrow account on T+1 day. In some examples, user payments may be cleared through a small-amount agent to the primary escrow account, without needing to enter the channel platform's account. Funds in the primary escrow account originate from user accounts, and the trading platform then pays the corresponding funds in the primary escrow account to the product provider according to the instructions of the payment platform.

[0081] The consignment model is a model where users place orders through a channel platform. This means the channel platform can receive order requests from users, but the transaction platform does not. For example, Figure 5 This is a flowchart illustrating an example of a consignment sales model provided in an embodiment of this application. The consignment sales model may involve user terminals, channel platforms, transaction platforms, and payment platforms. The user terminal can represent a user, such as... Figure 5 As shown, the pending sale mode may include steps b1 to b5.

[0082] In step b1, the user terminal sends an order request to the channel platform.

[0083] In step b2, the channel platform sends the order result back to the user terminal.

[0084] In step b3, the user terminal initiates a payment to the channel platform.

[0085] In step b4, the channel platform initiates a payment to the payment platform.

[0086] In step b5, the payment platform sends the payment result back to the channel platform.

[0087] After step b5, the channel platform can send the first electronic voucher request message to the trading platform through the gateway.

[0088] In the consignment model, the funds paid by users are transferred to the channel platform's account. The payment platform then pays the funds pre-deposited by the channel platform in the first escrow account to the product provider, thereby achieving T+1 day settlement between the platform and the product provider.

[0089] Funds can be transferred to the first escrow account on T+1 day. That is, the funds in the first escrow account are transferred from the user's account, and the trading platform then pays the corresponding funds in the first escrow account to the product provider according to the instructions of the payment platform.

[0090] In some embodiments, electronic vouchers may be returned, which can be achieved through interaction between channel platforms, trading platforms, and product provision platforms to facilitate the return of electronic vouchers for the conversion of traded goods. Figure 6 A flowchart illustrating an electronic transaction method provided in yet another embodiment of the first aspect of this application. Figure 6 and Figure 2 The difference is that, Figure 6 The electronic transaction method shown may also include steps S206 to S209.

[0091] In step S206, the electronic voucher refund request message sent by the channel platform through the gateway is received.

[0092] The channel platform can initiate an e-coupon refund request. The channel platform can send an e-coupon refund request message to the content gateway in the gateway, and the content gateway then sends the e-coupon refund request message to the transaction platform. The e-coupon refund request message includes the product order. The product order may include transaction information corresponding to the transaction, such as product information.

[0093] In some examples, when the trading platform receives an electronic voucher return request sent by the channel platform through the gateway, the trading platform can also generate an electronic voucher return order based on the electronic voucher return request message. The status of the electronic voucher return order can characterize the status of the electronic voucher return process.

[0094] In step S207, an electronic coupon refund request message is sent to the product providing platform.

[0095] The trading platform can verify whether the traded product corresponding to the e-voucher refund request message supports e-voucher refunds based on the product order in the e-voucher refund request message. If the traded product does not support e-voucher refunds, the e-voucher refund request message will be rejected. A second escrow account can also be set up, which can be escrowed by the operator or the content transfer provider. The second escrow account can be the same as the first escrow account or different accounts; this is not limited here. The product providing platform can pre-deposit a refund guarantee in the second escrow account and can also verify whether the refund guarantee in the second escrow account supports e-voucher refunds. If the transaction amount of the traded product corresponding to the product order is higher than the refund guarantee pre-deposited by the product providing platform in the second escrow account (i.e., the refund guarantee in the second escrow account does not support e-voucher refunds), the e-voucher refund request message will be rejected. If the transaction amount of the traded product corresponding to the product order is lower than or equal to the refund guarantee pre-deposited by the product providing platform in the second escrow account, the transaction amount indicated by the product order can be locked from the pre-deposited funds in the second escrow account based on the e-voucher refund request message. If the verification is successful, the trading platform sends an electronic voucher refund request message to the product providing platform.

[0096] In step S208, the electronic coupon refund result message is received from the product providing platform.

[0097] The product platform processes the e-coupon refund request and sends a refund result message to the trading platform. The refund result message may include processing information, such as successful refund, refund pending refund, or refund failure. A successful refund indicates the e-coupon has been successfully refunded. A refund pending refund indicates the e-coupon has been refunded, but the corresponding amount has not yet been refunded. A refund failure indicates the e-coupon refund failed.

[0098] If the processing result includes a successful refund message, the transaction amount indicated by the locked order will be deducted from the second escrow account. If the processing result includes a failed refund message, the transaction amount indicated by the locked order will be released from the second escrow account.

[0099] In some examples, when a trading platform receives a message from a product provider regarding the return of an e-coupon, the trading platform can update the status of the product order corresponding to that message. The updated order status is associated with the information in the e-coupon return message. If the processing result information includes a successful return, the updated order status indicates successful cancellation. If the processing result information includes a refund pending information, the updated order status indicates cancellation pending refund. If the processing result information includes a failed return information, the updated order status indicates successful e-coupon issuance, which can also be considered as not updating the order status and maintaining its original state. It should be noted that if the processing result information includes a refund pending information, and the trading platform subsequently receives information indicating a successful refund, the order status can be updated again, with the updated order status indicating successful cancellation.

[0100] In some examples, when a trading platform receives a message from a product provider regarding the return of electronic coupons, the platform can update the status of the electronic coupon return order based on the processing result information in the message. The status of the electronic coupon return order corresponds to the processing result information. If the processing result information includes "return successful," the updated status of the electronic coupon return order indicates a successful return. If the processing result information includes "refund pending," the updated status indicates "refund pending." If the processing result information includes "refund failed," the updated status indicates "refund failed." It should be noted that if the processing result information includes "refund pending," and the trading platform subsequently receives information indicating a successful refund, the status of the electronic coupon return order can be updated again, and the updated status will indicate a successful return.

[0101] In some examples, the product offering platform can also update the status of the e-coupon order for the converted product based on the processing result information in the e-coupon refund result message provided by the product offering platform. The updated e-coupon order status corresponds to the processing result information. If the processing result information includes a successful refund message, the updated e-coupon order status indicates a successful refund. If the processing result information includes a refund pending message, the updated e-coupon order status indicates a refund pending. If the processing result information includes a failed refund message, the updated e-coupon order status indicates a failed refund. It should be noted that if the processing result information includes a refund pending message, and the trading platform subsequently receives information indicating a successful refund, the e-coupon order status can be updated again, and the updated e-coupon order status will indicate a successful refund.

[0102] By tracking the status of product orders, e-coupon orders, and returned e-coupon orders, e-coupon returns can be managed throughout the order lifecycle. Combining the e-coupon issuance, redemption, and return management implemented in the above embodiments, the entire order lifecycle can be managed through the status of product orders, e-coupon orders, and returned e-coupon orders, thereby improving the order operation efficiency for both channel partners and product providers.

[0103] In step S209, the gateway sends a message to the channel platform regarding the electronic coupon refund result.

[0104] The trading platform sends the electronic voucher return result to the gateway, which then sends the electronic voucher return result message to the channel platform.

[0105] The trading platform, channel platform, and product providing platform realize the return of electronic coupons for the conversion of traded goods through electronic coupon return request messages and electronic coupon return result messages. That is, the return of traded goods is realized, so that regardless of whether the traded goods are physical goods or virtual goods, the return of traded goods can be realized through a single trading system.

[0106] In some embodiments, a two-tier data architecture can be constructed for the channel platform and the product offering platform, comprising a product provider database and a channel database. The first product association information of the product offering platform is stored in the product provider database. This first product association information includes association information of the traded products available on the product offering platform. This first product association information may include information on the product provider's available products, basic information on StockKeeping Units (SKUs), basic information on Standard Product Units (SPUs), and detailed information on the SPU. For example, the first product association information may include, but is not limited to, the product provider's product identifier, the product provider's inventory quantity, and the product provider's unit price. The second product association information of the channel platform is stored in the channel database. This second product association information includes association information of the traded products available on the channel platform. This second product association information may include information on the products listed by the channel provider, information on the product provider's available products, basic information on SKUs, basic information on SPUs, and detailed information on SPUs. For example, the second product association information may include, but is not limited to, the channel product identifier of the traded product, the channel inventory of the traded product, and the channel unit price of the traded product. The second product association information is obtained by differentiating the first product association information obtained from the product providing platform, which enables the channel platform to manage products differently. For example, the channel unit price of the same product may be different in the channel databases of different channel providers. Figure 7 A schematic diagram illustrating an example of a two-tier data architecture provided in an embodiment of this application, as shown below. Figure 7 As shown, this two-tier data architecture involves three channel providers and three product providers. The channel providers each have their own channel platforms: Channel Platform 1, Channel Platform 2, and Channel Platform 3. Channel Platform 1 corresponds to Channel Database 1, Channel Platform 2 to Channel Database 2, and Channel Platform 3 to Channel Database 3. Similarly, the product providers each have their own product provisioning platforms: Product Provisioning Platform 1, Product Provisioning Platform 2, and Product Provisioning Platform 3. All three product provisioning platforms correspond to Product Provider Database 1. Channel Database 1, Channel Database 2, and Channel Database 3 can interact with Product Provider Database 1, facilitating data retrieval and differentiation processing by the channel databases.

[0107] The second aspect of this application provides an electronic transaction method that can be applied to a goods provision platform, that is, the electronic transaction method can be executed by the goods provision platform. Figure 8 A flowchart of an electronic transaction method provided in an embodiment of the second aspect of this application is shown below. Figure 8 As shown, the electronic transaction method may include steps S301 to S303.

[0108] In step S301, a second electronic voucher request message is received from the trading platform.

[0109] The second electronic coupon request message is obtained by the trading platform based on the first electronic coupon request message sent by the channel platform through the gateway. The first electronic coupon request message includes the channel identifier, the product identifier of the traded goods, the transaction type, the channel product identifier of the traded goods, and the transaction quantity of the traded goods. The traded goods include physical goods and / or virtual goods. The second electronic coupon request message includes the product provider identifier, the product provider identifier of the traded goods, the transaction type, and the transaction quantity of the traded goods.

[0110] In step S302, a first electronic voucher result message is generated based on the second electronic voucher request message.

[0111] The first e-voucher result message includes the e-voucher for the traded item and the e-voucher serial number.

[0112] In step S303, the first electronic voucher result message is sent to the trading platform so that the trading platform can generate a second electronic voucher result message based on the first electronic voucher result message and send the second electronic voucher result message to the channel platform through the gateway.

[0113] The second electronic voucher result message includes the electronic voucher for the traded goods, the electronic voucher serial number, the channel identifier, and the channel product identifier of the traded goods.

[0114] The specific details of steps S301 to S303 can be found in the relevant descriptions in the above embodiments, and will not be repeated here.

[0115] In this embodiment, the trading platform receives a first electronic voucher request message sent by the channel platform through a gateway, and generates a second electronic voucher request message based on the information in the first electronic voucher request message. The product providing platform receives the second electronic voucher request message sent by the trading platform, converts the product into electronic vouchers based on the information related to the traded product in the second electronic voucher request message, and sends a first electronic voucher result message, including the converted electronic vouchers, back to the trading platform. The trading platform can generate a second electronic voucher result message, including the converted electronic vouchers, to send to the channel platform based on the first electronic voucher result message. In this electronic transaction process, regardless of whether the traded product is a physical or virtual product, it is uniformly converted into electronic vouchers. Information flow of the traded product is realized through electronic vouchers, eliminating the need to establish separate trading systems for physical and virtual products. Only a trading system for electronic vouchers is needed to realize the trading of both physical and virtual products, simplifying the architecture of the product transaction and reducing the construction and operating costs of the trading system.

[0116] In some embodiments, when the trading platform receives a first electronic voucher request message, the transaction amount of the transaction indicated by the first electronic voucher request message is locked from the funds pre-deposited in the first regulatory account channel platform. When the trading platform receives a first electronic voucher result message, the transaction amount of the transaction indicated by the first electronic voucher request message locked in the first regulatory account is deducted.

[0117] In some embodiments, the trading platform has product orders, which are generated based on a first e-coupon request message. Upon receiving the first e-coupon result message, the status of the product order is updated to indicate that the e-coupon has been successfully issued.

[0118] In some embodiments, when the product providing platform receives a second electronic coupon request message from the trading platform, the product providing platform can generate an electronic coupon order for the electronic coupon converted from the traded product based on the second electronic coupon request message; when a first electronic coupon result message is generated and the electronic coupon converted from the traded product is a non-direct top-up electronic coupon, the product providing platform updates the status of the electronic coupon order, and the updated status of the electronic coupon order indicates that the electronic coupon has been successfully issued; when a first electronic coupon result message is generated and the electronic coupon converted from the traded product is a direct top-up electronic coupon, the product providing platform updates the status of the electronic coupon order, and the updated status of the electronic coupon order indicates that the electronic coupon has been successfully redeemed.

[0119] In some embodiments, under the direct sales model (where the trading platform receives a user's order request through a channel platform), the funds in the first escrow account are transferred from the user's account. Under the agency sales model (where the channel platform receives a user's order request but the trading platform does not), the funds in the first escrow account are transferred from the channel platform's account.

[0120] In some embodiments, the product offering platform interacts with the trading platform, and can also realize the redemption of electronic coupons for the conversion of traded goods. Figure 9 A flowchart illustrating an electronic transaction method provided in another embodiment of the second aspect of this application. Figure 9 and Figure 8 The difference is that, Figure 9 The electronic transaction method shown may also include steps S304 and S305.

[0121] In step S304, if the electronic voucher indicated by the first electronic voucher result message meets the redemption conditions, the electronic voucher for the transaction goods conversion is redeemed.

[0122] In step S305, a first electronic voucher verification message is sent to the trading platform, so that the trading platform generates a second electronic voucher verification message based on the first electronic voucher verification message and sends it to the channel platform through the gateway.

[0123] The first electronic voucher redemption message includes the product provider's identifier, transaction type, the product provider's identifier for the traded product, and the electronic voucher converted from the traded product. The second electronic voucher redemption message includes the channel identifier, the product identifier for the traded product, transaction type, the electronic voucher serial number corresponding to the traded product, and the channel identifier for the traded product.

[0124] The specific details of steps S304 and S305 can be found in the relevant descriptions in the above embodiments, and will not be repeated here.

[0125] In some embodiments, when redeeming electronic coupons corresponding to traded goods, the goods providing platform can update the status of the electronic coupon order, and the updated status of the electronic coupon order indicates that the electronic coupon has been successfully redeemed.

[0126] In some embodiments, the product offering platform interacts with the trading platform, and can also return electronic coupons for the conversion of traded goods. Figure 10 A flowchart of an electronic transaction method provided in another embodiment of the second aspect of this application. Figure 10 and Figure 8 The difference is that, Figure 10 The electronic transaction method shown may also include steps S306 to S308.

[0127] In step S306, an electronic voucher return request message sent by the trading platform is received.

[0128] The e-coupon refund request message is sent from the channel platform to the transaction platform through the gateway. The e-coupon refund request message includes the product order.

[0129] In step S307, an electronic coupon return result message is generated based on the electronic coupon return request message.

[0130] The electronic coupon return result message includes processing result information, which may include return success information, coupon returned pending refund information, or return failure information.

[0131] In step S308, the electronic voucher return result message is sent to the trading platform so that the trading platform can send the electronic voucher return result message to the channel platform through the gateway.

[0132] The specific details of steps S306 to S308 can be found in the relevant descriptions in the above embodiments, and will not be repeated here.

[0133] In some examples, the trading platform has e-coupon return orders, which are generated by the trading platform based on e-coupon return request messages. If the processing result information includes a successful return message, the updated e-coupon return order status indicates a successful return. If the processing result information includes "refund pending" information, the updated e-coupon return order status indicates "refund pending". If the processing result information includes a failed return message, the updated e-coupon return order status indicates a failed return.

[0134] In some examples, if the processing result information includes a successful refund message, the updated order status indicates successful cancellation. If the processing result information includes a refund pending coupon message, the updated order status indicates cancelled and awaiting refund. If the processing result information includes a failed refund message, the updated order status indicates the coupon was successfully issued.

[0135] In some examples, after the product platform generates an e-coupon refund result message based on the e-coupon refund request message, it can also update the status of the e-coupon order corresponding to the refund result message. If the processing result information includes a successful refund message, the updated e-coupon order status indicates a successful refund. If the processing result information includes a refund pending information, the updated e-coupon order status indicates a refund pending. If the processing result information includes a failed refund message, the updated product order status indicates a failed refund.

[0136] In some examples, when the trading platform receives an e-voucher refund request message, the funds in the second escrow account pre-deposited with the product offering platform for the transaction amount indicated by the product order are locked. If the trading platform receives an e-voucher refund result message, and the result includes a successful refund, the locked funds in the second escrow account for the transaction amount indicated by the product order are deducted; if the result includes a failed refund, the lock on the funds in the second escrow account for the transaction amount indicated by the product order is released.

[0137] In some embodiments, the first product association information of the product providing platform is stored in the product provider database. The second product association information of the channel platform is stored in the channel database. The second product association information is obtained by differentiating the first product association information obtained from the product providing platform.

[0138] For ease of understanding, an example is provided here to illustrate the electronic coupon issuance process and electronic coupon redemption process in the above embodiments. Figure 11 A flowchart illustrating an example of the electronic coupon issuance and redemption process provided in this application embodiment is shown below. Figure 11 As shown, the electronic coupon issuance process and electronic coupon redemption process include steps c1 to c16.

[0139] In step c1, the channel platform sends a first electronic coupon request message to the general gateway.

[0140] In step c2, the general gateway verifies the first electronic voucher request message.

[0141] In step c3, if the verification is successful, the general gateway sends a first e-coupon request message to the content gateway.

[0142] In step c4, the content gateway verifies whether the channel platform has the right to access the transaction platform.

[0143] In step c5, if the verification is successful, the content gateway sends a first electronic voucher request message to the trading platform.

[0144] In step c6, the trading platform generates a product order based on the first electronic voucher request message.

[0145] In step c7, the trading platform sends a second electronic coupon request message to the product providing platform based on the first electronic coupon request message.

[0146] In step c8, the product providing platform generates an electronic coupon based on the second electronic coupon request message.

[0147] In step c9, the product providing platform sends the first electronic coupon result message to the trading platform.

[0148] In step c10, the trading platform sends a second electronic voucher result message to the content gateway based on the first electronic voucher result message.

[0149] In step c11, the content gateway sends the second e-coupon result message to the channel platform.

[0150] In step c12, the product platform verifies the electronic coupon.

[0151] In step c13, the product providing platform sends the first electronic voucher verification message to the trading platform.

[0152] In step c14, the trading platform updates the status of the product order based on the first electronic voucher redemption message.

[0153] In step c15, the trading platform sends a second electronic voucher verification message to the content gateway based on the first electronic voucher verification message.

[0154] In step c16, the content gateway sends a second e-coupon redemption message to the channel platform.

[0155] The specific details of steps c1 to c16 above can be found in the relevant descriptions in the above embodiments, and will not be repeated here.

[0156] To facilitate understanding, an example is provided here to illustrate the electronic coupon refund process in the above embodiments. Figure 12 A flowchart illustrating an example of the electronic coupon refund process provided in this application embodiment, such as... Figure 12 As shown, the electronic coupon return process includes steps d1 to d9.

[0157] In step d1, the channel platform sends an e-coupon refund request message to the content gateway.

[0158] In step d2, the content gateway sends an electronic voucher return request message to the trading platform.

[0159] In step d3, the trading platform verifies the electronic voucher return request message.

[0160] In step d4, after the verification is successful, the trading platform sends an electronic voucher return request message to the product providing platform.

[0161] In step d5, the product providing platform processes the electronic coupon refund based on the electronic coupon refund request message.

[0162] In step d6, the product providing platform sends an electronic voucher refund result message to the trading platform.

[0163] In step d7, the product platform updates the status of the product order based on the electronic coupon return result message.

[0164] In step d8, the product providing platform sends an electronic coupon refund result message to the content gateway.

[0165] In step d9, the content gateway sends an e-coupon refund result message to the channel platform.

[0166] The specific details of steps d1 to d9 above can be found in the relevant descriptions in the above embodiments, and will not be repeated here.

[0167] The third aspect of this application provides an electronic trading device that can be applied to a trading platform. Figure 13 A schematic diagram of an example of an electronic transaction device provided in an embodiment of the third aspect of this application, as shown below. Figure 13 As shown, the electronic transaction device 400 may include a first receiving module 401, a first processing module 402, and a first sending module 403.

[0168] The first receiving module 401 can be used to receive a first electronic coupon request message sent by the channel platform through the gateway. The first electronic coupon request message includes a channel identifier, a product identifier of the traded goods, a transaction type, a channel product identifier of the traded goods, and a transaction quantity of the traded goods. The traded goods include physical goods and / or virtual goods.

[0169] The first processing module 402 can be used to generate a second electronic coupon request message based on the first electronic coupon request message. The second electronic coupon request message includes the product provider identifier, the product provider identifier of the traded product, the transaction type, and the transaction quantity of the traded product.

[0170] The first sending module 403 can be used to send a second electronic coupon request message to the product providing platform.

[0171] The first receiving module 401 can also be used to receive a first electronic coupon result message from the product providing platform. The first electronic coupon result message is generated by the product providing platform based on the second electronic coupon request message. The first electronic coupon result message includes the electronic coupon converted from the traded product and the electronic coupon serial number.

[0172] The first processing module 402 can also be used to generate a second electronic voucher result message based on the first electronic voucher result message. The second electronic voucher result message includes the electronic voucher converted from the transaction product, the electronic voucher serial number, the channel identifier, and the channel product identifier of the transaction product.

[0173] The first sending module 403 can also be used to send the second electronic coupon result message to the channel platform through the gateway.

[0174] In this embodiment, the trading platform receives a first electronic coupon request message sent by the channel platform through a gateway. Based on the information in the first electronic coupon request message, the platform generates a second electronic coupon request message to be sent to the product providing platform. This allows the product providing platform to convert the traded goods into electronic coupons using the information related to the traded goods in the second electronic coupon request message, and then send a first electronic coupon result message, including the converted electronic coupons, back to the trading platform. The trading platform can generate a second electronic coupon result message, including the converted electronic coupons, to be sent to the channel platform based on the first electronic coupon result message. In this electronic transaction process, regardless of whether the traded goods are physical or virtual, they are all uniformly converted into electronic coupons. Information flow of traded goods is achieved through electronic coupons, eliminating the need for separate trading systems for physical and virtual goods. Only a trading system for electronic coupons is needed to realize the trading of both physical and virtual goods, simplifying the commodity trading architecture and reducing the construction and operating costs of the trading system.

[0175] In some embodiments, the first processing module 402 may also be used to: after receiving a first electronic voucher request message sent by the channel platform through the gateway, lock the transaction amount of the transaction indicated by the first electronic voucher request message from the funds pre-stored in the first supervisory account channel platform according to the first electronic voucher request message.

[0176] The first processing module 402 can also be used to: after receiving the electronic voucher result message from the product providing platform, deduct the transaction amount of the transaction indicated by the locked first electronic voucher request message from the first supervisory account.

[0177] In some embodiments, the first processing module 402 may also be used to: generate a product order based on the first electronic coupon request message before receiving the first electronic coupon result message from the product providing platform.

[0178] The first processing module 402 can also be used to: after receiving the first electronic coupon result message from the product providing platform, update the status of the product order corresponding to the first electronic coupon request message, and the updated status of the product order indicates that the electronic coupon has been successfully issued.

[0179] In some embodiments, the product providing platform has e-voucher orders for e-vouchers converted from traded goods. When the product providing platform generates a first e-voucher result message and the e-voucher converted from the traded goods is not a direct top-up e-voucher, the updated e-voucher order status indicates that the e-voucher has been successfully issued. When the product providing platform generates a first e-voucher result message and the e-voucher converted from the traded goods is a direct top-up e-voucher, the updated e-voucher order status indicates that the e-voucher has been successfully redeemed.

[0180] In some embodiments, the first receiving module 401 can also be used to: receive a first electronic voucher verification message sent by the product providing platform when the product providing platform verifies the electronic voucher converted from the traded product. The first electronic voucher verification message includes the product provider identifier, transaction type, product provider identifier of the traded product, and electronic voucher converted from the traded product.

[0181] The first processing module 402 can also be used to: generate a second electronic voucher verification message based on the first electronic voucher verification message. The second electronic voucher verification message includes a channel identifier, a product identifier of the traded product, a transaction type, an electronic voucher serial number corresponding to the traded product, and a channel product identifier of the traded product.

[0182] The first sending module 403 can also be used to send a second electronic coupon redemption message to the channel platform via a gateway.

[0183] In some embodiments, when the product providing platform redeems the electronic coupons converted from traded goods, the status of the updated electronic coupon order indicates that the electronic coupon redemption was successful.

[0184] In some embodiments, the first receiving module 401 can also be used to: receive an electronic coupon refund request message sent by the channel platform through the gateway, wherein the electronic coupon refund request message includes a product order.

[0185] The first sending module 403 can also be used to send an electronic coupon return request message to the product providing platform.

[0186] The first receiving module 401 can also be used to: receive electronic coupon return result messages from the product providing platform. The electronic coupon return result messages include processing result information, which includes return success information, coupons pending refund information, or return failure information.

[0187] The first sending module 403 can also be used to: send a message about the electronic coupon return result to the channel platform through the gateway.

[0188] In some embodiments, the first processing module 402 may also be used to: after receiving the electronic coupon return request message sent by the channel platform through the gateway, generate an electronic coupon return order based on the electronic coupon return request message.

[0189] The first processing module 402 can also be used to: after receiving the electronic coupon return result message from the product providing platform, update the status of the electronic coupon return order according to the processing result information in the electronic coupon return result message. Specifically, if the processing result information includes a successful return message, the updated status of the electronic coupon return order indicates a successful return; if the processing result information includes a refund pending information, the updated status of the electronic coupon return order indicates a refund pending information; and if the processing result information includes a failed return message, the updated status of the electronic coupon return order indicates a failed return.

[0190] In some embodiments, the first processing module 402 can also be used to: after receiving the electronic coupon return result message from the product providing platform, update the status of the product order corresponding to the sub-coupon return result message. Wherein, if the processing result information includes return success information, the updated product order status indicates successful cancellation; if the processing result information includes refund pending information, the updated product order status indicates cancelled pending refund; if the processing result information includes return failure information, the updated product order status indicates successful electronic coupon issuance.

[0191] In some embodiments, the product offering platform has e-coupon orders that are converted into e-coupons for the traded products. If the processing result information includes a successful refund message, the updated e-coupon order status indicates a successful refund; if the processing result information includes a refund pending message, the updated e-coupon order status indicates a refund pending message; if the processing result information includes a failed refund message, the updated product order status indicates a failed refund.

[0192] In some embodiments, the first processing module 402 may also be used to: after receiving an electronic voucher refund request message sent by the channel platform through the gateway, lock the transaction amount indicated by the product order in the funds pre-deposited in the second supervisory account product providing platform according to the electronic voucher refund request message.

[0193] The first processing module 402 can also be used to: after receiving the electronic coupon return result message from the product providing platform, if the processing result information includes a successful return message, deduct the amount of the transaction amount indicated by the locked product order from the second supervision account; if the processing result information includes a failed return message, unlock the amount of the transaction amount indicated by the product order from the second supervision account.

[0194] In some embodiments, when the trading platform receives a user's order request through the channel platform, the funds in the first escrow account are transferred from the user's account. When the channel platform receives a user's order request but the trading platform does not receive a user's order request, the funds in the first escrow account are transferred from the channel platform's account.

[0195] In some embodiments, the first product association information of the product providing platform is stored in the product provider database, and the second product association information of the channel platform is stored in the channel database. The second product association information is obtained by differentiating the first product association information obtained from the product providing platform.

[0196] The fourth aspect of this application provides an electronic transaction device for use on a commodity provision platform. Figure 14 A schematic diagram of the structure of an electronic transaction device provided in an embodiment of the fourth aspect of this application is shown below. Figure 14 As shown, the electronic transaction device 500 may include a second receiving module 501, a second processing module 502, and a second sending module 503.

[0197] The second receiving module 501 can be used to receive the second electronic voucher request message sent by the trading platform.

[0198] The second electronic coupon request message is obtained by the trading platform based on the first electronic coupon request message sent by the channel platform through the gateway. The first electronic coupon request message includes the channel identifier, the product identifier of the traded goods, the transaction type, the channel product identifier of the traded goods, and the transaction quantity of the traded goods. The traded goods include physical goods and / or virtual goods. The second electronic coupon request message includes the product provider identifier, the product provider identifier of the traded goods, the transaction type, and the transaction quantity of the traded goods.

[0199] The second processing module 502 can be used to generate a first electronic voucher result message based on the second electronic voucher request message.

[0200] The first e-voucher result message includes the e-voucher for the traded item and the e-voucher serial number.

[0201] The second sending module 503 can be used to send the first electronic coupon result message to the trading platform, so that the trading platform can generate a second electronic coupon result message based on the first electronic coupon result message and send the second electronic coupon result message to the channel platform through the gateway.

[0202] The second electronic voucher result message includes the electronic voucher for the traded goods, the electronic voucher serial number, the channel identifier, and the channel product identifier of the traded goods.

[0203] In this embodiment, the trading platform receives a first electronic voucher request message sent by the channel platform through a gateway, and generates a second electronic voucher request message based on the information in the first electronic voucher request message. The product providing platform receives the second electronic voucher request message sent by the trading platform, converts the product into electronic vouchers based on the information related to the traded product in the second electronic voucher request message, and sends a first electronic voucher result message, including the converted electronic vouchers, back to the trading platform. The trading platform can generate a second electronic voucher result message, including the converted electronic vouchers, to send to the channel platform based on the first electronic voucher result message. In this electronic transaction process, regardless of whether the traded product is a physical or virtual product, it is uniformly converted into electronic vouchers. Information flow of the traded product is realized through electronic vouchers, eliminating the need to establish separate trading systems for physical and virtual products. Only a trading system for electronic vouchers is needed to realize the trading of both physical and virtual products, simplifying the architecture of the product transaction and reducing the construction and operating costs of the trading system.

[0204] In some embodiments, when the trading platform receives a first electronic voucher request message, the transaction amount of the transaction indicated by the first electronic voucher request message is locked from the funds pre-deposited in the first regulatory account channel platform. When the trading platform receives a first electronic voucher result message, the transaction amount of the transaction indicated by the first electronic voucher request message locked in the first regulatory account is deducted.

[0205] In some examples, when the trading platform receives a user's order request through a channel platform, the funds in the first escrow account are transferred from the user's account. When the channel platform receives a user's order request but the trading platform does not, the funds in the first escrow account are transferred from the channel platform's account.

[0206] In some embodiments, the trading platform has product orders, which are generated based on a first e-coupon request message. Upon receiving the first e-coupon result message, the status of the product order is updated to indicate that the e-coupon has been successfully issued.

[0207] In some embodiments, the second processing module 502 can also be used to: generate an electronic coupon order for the electronic coupon converted from the transaction goods according to the second electronic coupon request message; update the status of the electronic coupon order when the first electronic coupon result message is generated and the electronic coupon converted from the transaction goods is a non-direct top-up electronic coupon, the updated status of the electronic coupon order indicating that the electronic coupon has been successfully issued; update the status of the electronic coupon order when the first electronic coupon result message is generated and the electronic coupon converted from the transaction goods is a direct top-up electronic coupon, the updated status of the electronic coupon order indicating that the electronic coupon has been successfully redeemed.

[0208] In some embodiments, the second receiving module 501 can also be used to: receive an electronic coupon return request message sent by the trading platform, wherein the electronic coupon return request message is sent by the channel platform to the trading platform through the gateway, and the electronic coupon return request message includes a product order.

[0209] The second processing module 502 can also be used to: generate an electronic coupon return result message based on the electronic coupon return request message. The electronic coupon return result message includes processing result information, which includes return success information, coupon returned pending refund information, or return failure information.

[0210] The second sending module 503 can also be used to: send a message of electronic voucher return result to the trading platform, so that the trading platform can send the message of electronic voucher return result to the channel platform through the gateway.

[0211] In some embodiments, the second processing module 502 can also be used to: update the status of the electronic voucher order when the electronic voucher corresponding to the traded goods is redeemed, wherein the updated status of the electronic voucher order indicates that the electronic voucher redemption was successful.

[0212] In some embodiments, the trading platform has electronic coupon return orders, which are generated by the trading platform based on electronic coupon return request messages. When the processing result information includes return success information, the updated electronic coupon return order status indicates a successful return; when the processing result information includes "refund pending" information, the updated electronic coupon return order status indicates "refund pending"; when the processing result information includes return failure information, the updated electronic coupon return order status indicates a failed return.

[0213] In some embodiments, if the processing result information includes a successful refund message, the updated order status indicates successful cancellation. If the processing result information includes a refund pending coupon message, the updated order status indicates cancelled and awaiting refund. If the processing result information includes a failed refund message, the updated order status indicates successful coupon issuance.

[0214] In some embodiments, the second processing module 502 can also be used to: after generating an electronic coupon return result message based on the electronic coupon return request message, update the status of the electronic coupon order corresponding to the electronic coupon return result message. Specifically, if the processing result information includes return success information, the updated status of the electronic coupon order indicates a successful return; if the processing result information includes refund pending information, the updated status of the electronic coupon order indicates a refund pending; and if the processing result information includes return failure information, the updated status of the order indicates a failed return.

[0215] In some embodiments, when the trading platform receives an electronic voucher refund request message, the transaction amount indicated by the product order in the funds pre-deposited in the second escrow account's product provision platform is locked. When the trading platform receives an electronic voucher refund result message, if the processing result information includes a successful refund message, the locked transaction amount indicated by the product order in the second escrow account is deducted; if the trading platform receives an electronic voucher refund result message, and the processing result information includes a failed refund message, the lock on the transaction amount indicated by the product order in the second escrow account is released.

[0216] In some embodiments, the first product association information of the product providing platform is stored in the product provider database. The second product association information of the channel platform is stored in the channel database. The second product association information is obtained by differentiating the first product association information obtained from the product providing platform.

[0217] The fifth aspect of this application also provides an electronic device. Figure 15 This is a schematic diagram of the structure of an electronic device provided according to an embodiment of the fifth aspect of this application. Figure 15 As shown, the electronic device 600 includes a memory 601, a processor 602, and a computer program stored in the memory 601 and executable on the processor 602.

[0218] In some examples, the processor 602 described above may include a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or one or more integrated circuits that may be configured to implement the embodiments of this application.

[0219] Memory 601 may include read-only memory (ROM), random access memory (RAM), disk storage media device, optical storage media device, flash memory device, electrical, optical, or other physical / tangible memory storage device. Therefore, typically, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform operations described in reference to the electronic transaction method of the first aspect of the embodiments of this application or the electronic transaction method of the second aspect of the embodiments of this application. If its operation performs operations described in reference to the electronic transaction method of the first aspect of the embodiments of this application, the electronic device is applied to a transaction platform; if its operation performs operations described in reference to the electronic transaction method of the second aspect of the embodiments of this application, the electronic device is applied to a goods provision platform.

[0220] The processor 602 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 601, so as to implement the electronic transaction method in the first aspect embodiment or the electronic transaction method in the second aspect embodiment.

[0221] In some examples, electronic device 600 may also include communication interface 603 and bus 604. For example, Figure 12 As shown, the memory 601, processor 602, and communication interface 603 are connected through bus 604 and complete communication with each other.

[0222] The communication interface 603 is mainly used to enable communication between various modules, devices, units, and / or equipment in the embodiments of this application. Input devices and / or output devices can also be connected through the communication interface 603.

[0223] Bus 604 includes hardware, software, or both, that couples components of electronic device 600 together. For example, and not limitingly, bus 604 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 604 may include one or more buses. Although specific buses are described and illustrated in the embodiments of this application, this application considers any suitable bus or interconnection.

[0224] A sixth aspect of this application provides an electronic trading system, which may include a trading platform and a product provisioning platform. The trading platform can be used to execute the electronic trading method described in the first aspect embodiment above; for details, please refer to the relevant descriptions in the above embodiments, which will not be repeated here. The product provisioning platform can be used to execute the electronic trading method described in the second aspect embodiment above; for details, please refer to the relevant descriptions in the above embodiments, which will not be repeated here.

[0225] In some embodiments, the electronic trading system may also include a channel platform. The specific content of the channel platform can be found in the relevant descriptions in the above embodiments, and will not be repeated here.

[0226] In some embodiments, the electronic trading system may also include a gateway, which may include a general gateway and a content gateway. For details, please refer to the relevant descriptions in the above embodiments, which will not be repeated here.

[0227] A seventh aspect of this application provides a computer-readable storage medium storing computer program instructions. When executed by a processor, these instructions can implement the electronic transaction method described in the first aspect embodiment or the second aspect embodiment, achieving the same technical effect. To avoid repetition, further details are omitted here. The aforementioned computer-readable storage medium may include non-transitory computer-readable storage media, such as read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks, etc., and is not limited thereto.

[0228] This application provides a computer program product. When the instructions in the computer program product are executed by the processor of an electronic device, the electronic device can execute the electronic transaction method in the first aspect embodiment or the electronic transaction method in the second aspect embodiment, and can achieve the same technical effect. To avoid repetition, it will not be described again here.

[0229] It should be clarified that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. For the device embodiments, equipment embodiments, computer-readable storage medium embodiments, system embodiments, and computer program product embodiments, the relevant parts can be referred to the description section of the method embodiments. This application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application. Furthermore, for the sake of brevity, detailed descriptions of known methods and techniques are omitted here.

[0230] The aspects of this application have been described above with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It should be understood that each block in the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to produce a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowchart illustrations and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0231] Those skilled in the art will understand that the above embodiments are exemplary and not restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on a study of the drawings, specification, and claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other means or steps; the quantifier "a" does not exclude a plurality; the terms "first" and "second" are used to identify names and not to indicate any particular order. Any reference numerals in the claims should not be construed as limiting the scope of protection. The functionality of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. An electronic transaction method, characterized in that, Applied to a trading platform, the method includes: The system receives a first electronic coupon request message sent by the channel platform through the gateway. The first electronic coupon request message includes a channel identifier, a product identifier of the traded product, a transaction type, a channel product identifier of the traded product, and a transaction quantity of the traded product. The traded product includes physical goods and / or virtual goods. Based on the first electronic coupon request message, a second electronic coupon request message is generated and sent to the product providing platform. The second electronic coupon request message includes the product provider identifier, the product provider identifier of the traded product, the transaction type, and the transaction quantity of the traded product. The system receives a first electronic coupon result message from the product providing platform, generates a second electronic coupon result message based on the first electronic coupon result message, and sends the second electronic coupon result message back to the channel platform through a gateway. The first electronic coupon result message is generated by the product providing platform based on the second electronic coupon request message. The first electronic coupon result message includes an electronic coupon converted from a transaction product and an electronic coupon serial number. The second electronic coupon result message includes an electronic coupon converted from a transaction product, an electronic coupon serial number, a channel identifier, and a channel product identifier for the transaction product.

2. The method according to claim 1, characterized in that, After sending the electronic coupon result message to the channel platform via the gateway, the method further includes: When the product providing platform verifies the electronic voucher converted from the traded product, the system receives a first electronic voucher verification message sent by the product providing platform. The first electronic voucher verification message includes the product provider identifier, the transaction type, the product provider identifier of the traded product, and the electronic voucher converted from the traded product. Based on the first electronic voucher redemption message, a second electronic voucher redemption message is generated and sent to the channel platform through the gateway. The second electronic voucher redemption message includes a channel identifier, a product identifier of the traded product, a transaction type, an electronic voucher serial number corresponding to the traded product, and a channel product identifier of the traded product.

3. The method according to claim 1, characterized in that, Following the first electronic coupon request message sent by the receiving channel platform through the gateway, the system further includes: Based on the first electronic voucher request message, the transaction amount of the transaction indicated by the first electronic voucher request message is locked in the funds pre-deposited in the channel platform of the first regulatory account; After receiving the electronic coupon result message from the product providing platform, the method further includes: The transaction amount of the transaction indicated by the first electronic voucher request message will be deducted from the first supervisory account.

4. The method according to claim 1, characterized in that, Before receiving the first electronic coupon result message from the product providing platform, the method further includes: Based on the first electronic coupon request message, a product order is generated; After receiving the first electronic coupon result message from the product providing platform, the method further includes: Update the status of the product order corresponding to the first e-coupon request message. The updated status of the product order indicates that the e-coupon has been successfully issued.

5. The method according to claim 2, characterized in that, The product providing platform has electronic coupon orders for the conversion of traded goods into electronic coupons; When the product providing platform generates the first electronic coupon result message and the electronic coupon converted from the transaction product is a non-direct top-up electronic coupon, the updated status of the electronic coupon order indicates that the electronic coupon has been successfully issued. When the product providing platform generates the first electronic coupon result message and the electronic coupon converted from the transaction product is a direct top-up type electronic coupon, the updated status of the electronic coupon order indicates that the electronic coupon has been successfully redeemed. When the product providing platform verifies the electronic coupons converted from traded goods, the updated status of the electronic coupon order indicates that the electronic coupon has been successfully verified.

6. The method according to claim 1, characterized in that, Also includes: Receive the electronic coupon refund request message sent by the channel platform through the gateway, the electronic coupon refund request message including the product order; Send the electronic coupon refund request message to the product providing platform; The system receives a message from the product providing platform regarding the electronic coupon return result. The electronic coupon return result message includes processing result information, which includes return success information, coupon returned but awaiting refund information, or return failure information. The gateway sends a message to the channel platform regarding the electronic coupon refund result.

7. The method according to claim 6, characterized in that, After receiving the electronic coupon refund request message sent by the channel platform through the gateway, the method further includes: Based on the e-voucher return request message, an e-voucher return order is generated; After receiving the electronic coupon refund result message from the product providing platform, the method further includes: Update the status of the electronic coupon refund order based on the processing result information in the electronic coupon refund result message. Where the processing result information includes a successful refund message, the updated status of the electronic coupon refund order indicates a successful refund. If the processing result information includes "refunded coupon pending refund" information, the updated status of the electronic coupon refund order indicates "refunded coupon pending refund". If the processing result information includes return failure information, the updated status of the electronic coupon return order indicates that the return has failed.

8. The method according to claim 6, characterized in that, After receiving the electronic coupon refund result message from the product providing platform, the method further includes: Update the status of the product order corresponding to the sub-coupon refund result message. Where the processing result information includes a successful refund message, the updated status of the product order indicates successful cancellation. If the processing result information includes information about refunded coupons pending refund, the updated status of the product order indicates that it has been cancelled and is pending refund. If the processing result information includes a return failure message, the updated status of the product order indicates that the electronic coupon has been successfully issued.

9. The method according to claim 6, characterized in that, The product providing platform has electronic coupon orders that convert electronic coupons into traded goods; If the processing result information includes a successful refund message, the updated status of the e-coupon order indicates a successful refund. If the processing result information includes "refunded coupon pending refund" information, the updated status of the electronic coupon order indicates "refunded coupon pending refund". If the processing result information includes return failure information, the updated status of the product order indicates that the return failed.

10. The method according to claim 6, characterized in that, After receiving the electronic coupon refund request message sent by the channel platform through the gateway, the method further includes: Based on the electronic voucher refund request message, the transaction amount indicated by the product order is locked in the funds pre-deposited on the product providing platform in the second supervisory account; After receiving the electronic coupon refund result message from the product providing platform, the method further includes: If the processing result information includes a successful refund message, the transaction amount indicated by the locked product order will be deducted from the second supervisory account; If the processing result information includes a return failure message, the lock on the transaction amount indicated by the product order will be released in the second supervisory account.

11. The method according to claim 1, characterized in that, The first product association information of the product providing platform is stored in the product provider database, and the second product association information of the channel platform is stored in the channel database. The second product association information is obtained by differentiating the first product association information obtained from the product providing platform.

12. The method according to claim 3, characterized in that, When the trading platform receives a user's order request through the channel platform, the funds in the first escrow account are transferred from the user's account. If the channel platform receives a user's order request but the trading platform does not receive a user's order request, the funds in the first escrow account are transferred from the channel platform's account.

13. An electronic transaction method, characterized in that, Applied to a product provision platform, the method includes: The system receives a second electronic coupon request message sent by the trading platform. The second electronic coupon request message is obtained by the trading platform based on a first electronic coupon request message sent by the channel platform through the gateway. The first electronic coupon request message includes a channel identifier, a product identifier of the traded product, a transaction type, a channel product identifier of the traded product, and a transaction quantity of the traded product. The traded product includes physical goods and / or virtual goods. The second electronic coupon request message includes a product provider identifier, a product provider identifier of the traded product, a transaction type, and a transaction quantity of the traded product. Based on the second electronic voucher request message, a first electronic voucher result message is generated, which includes the electronic voucher converted from the transaction product and the electronic voucher serial number. The transaction platform sends the first electronic coupon result message back to the transaction platform, so that the transaction platform generates a second electronic coupon result message based on the first electronic coupon result message and sends the second electronic coupon result message back to the channel platform through the gateway. The second electronic coupon result message includes the electronic coupon converted from the transaction product, the electronic coupon serial number, the channel identifier, and the channel product identifier of the transaction product.

14. The method according to claim 13, characterized in that, After sending the first electronic coupon result message to the trading platform, the method further includes: If the electronic voucher indicated in the first electronic voucher result message meets the redemption conditions, the electronic voucher converted from the transaction goods shall be redeemed. A first electronic voucher verification message is sent to the trading platform, so that the trading platform generates a second electronic voucher verification message based on the first electronic voucher verification message and sends it to the channel platform through the gateway. The first electronic voucher verification message includes the product provider identifier, transaction type, product provider identifier of the traded product, and electronic voucher converted from the traded product. The second electronic voucher verification message includes the channel identifier, product identifier of the traded product, transaction type, electronic voucher serial number corresponding to the traded product, and channel product identifier of the traded product.

15. The method according to claim 13, characterized in that, When the trading platform receives the first electronic voucher request message, the transaction amount of the transaction indicated by the first electronic voucher request message in the funds pre-deposited in the channel platform of the first regulatory account is locked. Upon receiving the first electronic voucher result message from the trading platform, the transaction amount of the transaction indicated by the first electronic voucher request message, which is locked in the first regulatory account, is deducted.

16. The method according to claim 13, characterized in that, The trading platform has product orders, which are generated based on the first electronic coupon request message; Upon receiving the first electronic coupon result message on the trading platform, the status of the product order is updated to indicate that the electronic coupon has been successfully issued.

17. The method according to claim 14, characterized in that, Following the receipt of the second electronic coupon request message sent by the trading platform, the following is also included: Based on the second electronic voucher request message, an electronic voucher order for the conversion of the traded goods is generated; If the first electronic coupon result message is generated and the electronic coupon converted from the transaction product is a non-direct top-up electronic coupon, the status of the electronic coupon order is updated. The updated status of the electronic coupon order indicates that the electronic coupon has been successfully issued. When the first electronic coupon result message is generated and the electronic coupon converted from the transaction product is a direct top-up electronic coupon, the status of the electronic coupon order is updated. The updated status of the electronic coupon order indicates that the electronic coupon has been successfully redeemed. When an electronic voucher corresponding to a traded item is redeemed, the status of the electronic voucher order is updated. The updated status of the electronic voucher order indicates that the electronic voucher redemption was successful.

18. The method according to claim 13, characterized in that, Also includes: The system receives an electronic coupon refund request message sent by the trading platform. The electronic coupon refund request message is sent by the channel platform to the trading platform through the gateway, and the electronic coupon refund request message includes the product order. Based on the electronic coupon return request message, an electronic coupon return result message is generated. The electronic coupon return result message includes processing result information, which includes return success information, coupon returned pending refund information, or return failure information. The transaction platform is then notified of the electronic coupon return result message, so that the transaction platform can send the electronic coupon return result message to the channel platform through the gateway.

19. The method according to claim 18, characterized in that, The trading platform has electronic coupon return orders, which are generated by the trading platform based on the electronic coupon return request message; If the processing result information includes a successful refund message, the updated status of the electronic coupon refund order indicates a successful refund. If the processing result information includes "refunded coupon pending refund" information, the updated status of the electronic coupon refund order indicates "refunded coupon pending refund". If the processing result information includes return failure information, the updated status of the electronic coupon return order indicates that the return has failed.

20. The method according to claim 18, characterized in that, If the processing result information includes a successful refund message, the updated order status indicates successful cancellation. If the processing result information includes information about refunded coupons pending refund, the updated status of the product order indicates that it has been cancelled and is pending refund. If the processing result information includes a return failure message, the updated status of the product order indicates that the electronic coupon has been successfully issued.

21. The method according to claim 18, characterized in that, After generating the electronic coupon refund result message based on the electronic coupon refund request message, the method further includes: Update the status of the e-coupon order corresponding to the e-coupon refund result message. Where the processing result information includes a successful refund message, the updated status of the e-coupon order indicates a successful refund. If the processing result information includes "refunded coupon pending refund" information, the updated status of the electronic coupon order indicates "refunded coupon pending refund". If the processing result information includes return failure information, the updated status of the product order indicates that the return failed.

22. The method according to claim 18, characterized in that, Upon receiving the electronic voucher refund request message on the trading platform, the transaction amount indicated by the product order in the funds pre-deposited by the product providing platform in the second supervisory account is locked; Upon receiving the electronic coupon return result message on the trading platform If the processing result information includes a successful refund message, the transaction amount indicated by the product order locked in the second supervisory account will be deducted. If the processing result information includes a return failure message, the lock on the transaction amount indicated by the commodity order in the second supervisory account is released.

23. The method according to claim 13, characterized in that, The first product association information of the product providing platform is stored in the product provider database, and the second product association information of the channel platform is stored in the channel database. The second product association information is obtained by differentiating the first product association information obtained from the product providing platform.

24. The method according to claim 15, characterized in that, When the trading platform receives a user's order request through the channel platform, the funds in the first escrow account are transferred from the user's account. If the channel platform receives a user's order request but the trading platform does not receive a user's order request, the funds in the first escrow account are transferred from the channel platform's account.

25. An electronic trading device, characterized in that, The device, used in a trading platform, includes: The first receiving module is used to receive a first electronic coupon request message sent by the channel platform through the gateway. The first electronic coupon request message includes a channel identifier, a product identifier of the traded product, a transaction type, a channel product identifier of the traded product, and a transaction quantity of the traded product. The traded product includes physical goods and / or virtual goods. The first processing module is used to generate a second electronic coupon request message based on the first electronic coupon request message. The second electronic coupon request message includes a product provider identifier, a product provider identifier of the traded product, a transaction type, and a transaction quantity of the traded product. The first sending module is used to send the second electronic coupon request message to the product providing platform; The first receiving module is further configured to receive a first electronic coupon result message from the product providing platform. The first electronic coupon result message is generated by the product providing platform based on the second electronic coupon request message. The first electronic coupon result message includes the electronic coupon converted from the transaction product and the electronic coupon serial number. The first processing module is further configured to generate a second electronic coupon result message based on the first electronic coupon result message. The second electronic coupon result message includes the electronic coupon converted from the transaction product, the electronic coupon serial number, the channel identifier, and the channel product identifier of the transaction product. The first sending module is also used to send the second electronic coupon result message back to the channel platform through the gateway.

26. An electronic trading device, characterized in that, The device, applied to a product provision platform, includes: The second receiving module is used to receive a second electronic coupon request message sent by the trading platform. The second electronic coupon request message is obtained by the trading platform based on a first electronic coupon request message sent by the channel platform through the gateway. The first electronic coupon request message includes a channel identifier, a product identifier of the traded product, a transaction type, a channel product identifier of the traded product, and a transaction quantity of the traded product. The traded product includes physical goods and / or virtual goods. The second electronic coupon request message includes a product provider identifier, a product provider identifier of the traded product, a transaction type, and a transaction quantity of the traded product. The second processing module is used to generate a first electronic voucher result message based on the second electronic voucher request message. The first electronic voucher result message includes the electronic voucher converted from the transaction product and the electronic voucher serial number. The second sending module is used to send the first electronic coupon result message back to the trading platform, so that the trading platform generates a second electronic coupon result message based on the first electronic coupon result message and sends the second electronic coupon result message back to the channel platform through the gateway. The second electronic coupon result message includes the electronic coupon converted from the traded goods, the electronic coupon serial number, the channel identifier, and the channel product identifier of the traded goods.

27. An electronic device, characterized in that, include: Processor and memory storing computer program instructions; When the processor executes the computer program instructions, it implements the electronic transaction method as described in any one of claims 1 to 24.

28. An electronic trading system, characterized in that, include: A trading platform for executing the electronic trading method as described in any one of claims 1 to 12; A product delivery platform for implementing the electronic transaction method as described in any one of claims 13 to 24.

29. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer program instructions that, when executed by a processor, implement the electronic transaction method as described in any one of claims 1 to 24.

Images