Transaction guarantee and dispute handling system

Abstract

The invention discloses a transaction guarantee and dispute handling system. The system comprises a user terminal module for realizing access of a user to the system; the transaction module issues transaction information and generates a transaction order; the transaction supervision module monitors the transaction process; the payment gateway module realizes payment and return of funds; the dispute request module is used for issuing a dispute processing application; the dispute processing module is used for processing the dispute application and carrying out mediation or litigation; the evidence management module is used for storing transaction data information and receiving and submitting evidences; the credit evaluation module is used for performing credit evaluation on the transaction object and establishing a user credit evaluation system; the risk early warning and prevention and control module analyzes transaction behaviors and identifies potential fraud risks; the system can provide a safe and reliable transaction environment for two transaction parties, effectively prevent and stop fraudulent behaviors, effectively solve the problems of difficult evidence collection, tedious litigation process and the like in disputes, and provide a more efficient, convenient and secure solution for online transaction and dispute solution.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and specifically refers to a transaction guarantee and dispute resolution system, which aims to ensure the fairness, justice and security of online transactions, effectively prevent and stop fraudulent activities, and promote good faith performance of both parties to the transaction. Background Art

[0002] With the rapid development of e-commerce, online transactions are becoming more frequent. However, due to the lack of trust between the two parties and the asymmetry of identity information, online transaction fraud incidents are frequent, especially for the inexperienced vulnerable groups, the losses are more serious.

[0003] At present, although there are some third-party payment platforms and guarantee services, the following problems still exist:

[0004] 1) Existing platforms mainly focus on payment functions and lack supervision and guarantees for the entire transaction process.

[0005] 2) There is a lack of effective mechanisms for collecting and preserving evidence for informal transactions such as oral agreements.

[0006] 3) Existing platforms have complicated procedures, low efficiency and high rights protection costs when handling transaction disputes.

[0007] In addition, the number of online transaction disputes has also increased, including product quality issues, false advertising, delayed delivery, inadequate after-sales service and other issues. These disputes often involve multiple people and small amounts, but are time-consuming and laborious to handle. Especially for vulnerable groups, seeking legal relief is costly and complicated.

[0008] Traditional dispute resolution methods have the following problems:

[0009] 1) Difficulty in collecting evidence: Electronic evidence such as transaction records, electronic contracts, and chat records are easily tampered with or lost, and the effectiveness of the evidence is difficult to guarantee.

[0010] 2) The litigation process is cumbersome: the parties need to go to the court in person to submit materials and attend the trial, which consumes a lot of time and energy.

[0011] 3) High cost of rights protection: hiring lawyers, collecting evidence, participating in litigation, etc. all require high fees.

[0012] 4) Long case processing cycle: If there is a serious backlog of cases, the dispute resolution cycle will be long and the rights and interests of the parties cannot be protected in a timely manner.

[0013] However, in the process of integrating secured transactions with dispute resolution systems, the following problems still exist:

[0014] 1. Difficulties in data integration and sharing:

[0015] Online transactions involve multiple platforms and multiple data sources, such as e-commerce platforms, payment platforms, logistics platforms, etc. It is impossible to effectively integrate and share data between different platforms, and data security and user privacy protection issues cannot be effectively resolved.

[0016] 2. Difficulties in constructing and preserving the chain of evidence:

[0017] Evidence involved in online transaction disputes is mostly electronic evidence, such as transaction records, electronic contracts, chat records, email exchanges, etc. Electronic evidence can be easily tampered with, deleted or forged, and the authenticity, integrity and credibility of the evidence are difficult to guarantee.

[0018] 3. Difficulty in building a chain of evidence:

[0019] The handling of transaction disputes requires the construction of a complete chain of evidence, connecting all relevant evidence generated during the transaction to form a complete chain of evidence. Since the transaction process involves multiple links and multiple participants, such as users, merchants, platforms, logistics companies, etc., how to organically integrate these scattered evidence to build a complete chain of evidence.

[0020] 4. It is difficult to establish a multi-party trust mechanism:

[0021] The existing guarantee transaction and dispute resolution system involves multiple parties, including the transaction parties, platform parties, guarantee institutions, regulatory agencies, judicial institutions, etc. There are conflicts of interest and trust issues among the parties, such as:

[0022] The two parties to the transaction lack trust in the platform and the guarantee agency and are worried that they will favor one other party. There is also competition between the platform and the guarantee agency, making it difficult to establish a cooperative relationship of complete trust.

[0023] Therefore, a transaction guarantee and dispute resolution system is proposed to solve the current deficiencies. Summary of the invention

[0024] The technical problem to be solved by the present invention is to overcome the defects of the above-mentioned technology and provide a transaction guarantee and dispute resolution system, which integrates the functions of transaction guarantee, fund custody, dispute mediation, legal aid and evidence preservation, ensures the transparency and security of the transaction process, and effectively reduces transaction risks.

[0025] In order to solve the above technical problems, the technical solution provided by the present invention is a transaction guarantee and dispute resolution system: including a central processing module, a user terminal module, a transaction module, a transaction supervision module, a payment gateway module, a dispute request module, a dispute resolution module, an evidence management module, a database module, a credit evaluation module, a risk warning and prevention module, and a privacy protection module;

[0026] The central processing module is used to receive and process information from the user terminal module, transaction module, transaction supervision module, payment gateway module, dispute request module, dispute handling module, evidence management module, database module, credit evaluation module, risk warning and prevention module, and privacy protection module, and send the processing results to the relevant collaboration terminals for processing;

[0027] The user terminal module is used by the user to access the system, publish transaction information, perform transaction operations, check transaction progress, handle disputes, and conduct credit evaluation on the transaction object;

[0028] The transaction module is used to receive transaction information posted by users, match the information, generate transaction orders, and manage the transaction process;

[0029] The transaction monitoring module is used to monitor the transaction process in real time, including transaction progress, capital flow, user operations, etc., and record relevant data;

[0030] The payment gateway module implements the payment and refund operations of funds;

[0031] The dispute request module is used for users to file a dispute resolution application for orders with disputes;

[0032] The dispute handling module is used to handle dispute applications submitted by users, collect evidence, and conduct mediation or litigation;

[0033] The evidence management module is used to automatically save all data information in the transaction process and receive evidence submitted by users, and to review and save the evidence;

[0034] The database module is used to store user information, transaction information, evidence information, and dispute information data;

[0035] The credit evaluation module is used by users to evaluate the credit of transaction objects, and at the same time establishes a user credit evaluation system based on the user's transaction records and evaluation information;

[0036] The risk warning and prevention module uses big data and artificial intelligence technology to analyze transaction behaviors, identify potential fraud risks, and promptly issue warnings and take preventive measures. At the same time, a blacklist system is established to restrict or ban users who violate the rules.

[0037] The privacy protection module uses encryption technology to protect the security of user personal information and transaction data.

[0038] As an improvement, the user terminal module also includes a user management unit for user registration, login, identity authentication, and information management operations.

[0039] As an improvement, the transaction module includes a transaction management unit and a fund custody unit;

[0040] The transaction management unit is used to receive transaction information published by users, perform intelligent matching based on the transaction demand and supply information published by users, recommend appropriate transaction objects to users, generate transaction orders, manage transaction processes, and supervise the execution of transactions;

[0041] The fund custody unit is connected to the third-party payment platform to realize the custody of funds, and at the same time, unfreezes the funds in stages according to the progress of the transaction.

[0042] As an improvement, the dispute handling module includes a dispute mediation unit and a litigation agency unit;

[0043] The dispute mediation unit is conducted by a professional mediator who mediates based on the evidence submitted by both parties and helps the two parties reach a settlement agreement;

[0044] The litigation agency unit provides litigation agency services for disputes that cannot be mediated.

[0045] As an improvement, the dispute mediation unit includes an information sending unit and a network mediation unit;

[0046] The information sending unit is used to send mediation information to the user terminal module;

[0047] The network mediation module is used for mediators to conduct three-party mediation through the Internet.

[0048] As an improvement, the litigation agency unit includes a data collection and integration subunit, a selection subunit, a litigation assistance subunit, a blockchain evidence storage subunit, an online litigation subunit, a case progress tracking and management subunit, and an analysis and evaluation subunit;

[0049] The data collection and integration subunit realizes the collection of data in the entire transaction process to form a comprehensive chain of evidence;

[0050] The user of the selection subunit can select a litigation attorney or a cooperating attorney to accept the commission based on the list of cooperating attorneys provided by the system;

[0051] The litigation assistance subunit performs in-depth analysis on the data collected by the data collection and integration subunit, identifies key points of the dispute, evaluates the responsibilities of both parties, and generates a preliminary dispute analysis report and legal advice;

[0052] The blockchain evidence storage subunit uses blockchain technology to store the evidence materials uploaded by the user, and stores the evidence information on the blockchain to ensure the authenticity and integrity of the evidence;

[0053] The online litigation subunit provides online litigation and participates in live court hearings;

[0054] The case progress tracking and management subunit can provide case reminders and automatic updates, making it convenient for users to view the case processing progress in real time;

[0055] The analysis and evaluation subunit analyzes dispute cases on the platform and generates statistical reports to provide data support for improving services and preventing future disputes.

[0056] The advantages of the present invention compared with the prior art are:

[0057] 1) Improve transaction security: Provide a safe and reliable transaction environment for both parties to the transaction, effectively reduce the risks of both parties, and especially protect the interests of vulnerable groups.

[0058] 2) Enhance transaction trust: The supervision service provided by the system increases the transparency of transactions and promotes the formation of a culture of honest transactions.

[0059] 3) Efficient dispute resolution: Integrated dispute resolution and legal litigation services simplify the rights protection process, reduce rights protection costs, and improve rights protection efficiency.

[0060] 4) Fraud prevention: The risk warning and prevention module and the transaction supervision module can effectively identify and prevent fraudulent activities and maintain a good trading environment.

[0061] 5) Promote social harmony: By ensuring fair transactions, it enhances society’s trust in e-commerce and promotes the healthy development of the digital economy.

[0062] The system can provide a safe and reliable trading environment for both parties to the transaction, effectively prevent and stop fraud, and effectively solve the problems existing in traditional dispute resolution methods such as difficulty in collecting evidence, cumbersome litigation procedures, and high costs of rights protection, providing a more efficient, convenient and secure solution for online transactions and dispute resolution. BRIEF DESCRIPTION OF THE DRAWINGS

[0063] Figure 1 It is a structural schematic diagram of a transaction guarantee and dispute resolution system of the present invention.

[0064] Figure 2 It is a structural schematic diagram of a transaction module in a transaction guarantee and dispute resolution system of the present invention.

[0065] Figure 3 It is a structural schematic diagram of a dispute handling module in a transaction guarantee and dispute handling system of the present invention.

[0066] Figure 4 It is a structural schematic diagram of a litigation agency unit in a transaction guarantee and dispute resolution system of the present invention.

[0067] Figure 5 It is a mind map of a transaction guarantee and dispute resolution system of the present invention. DETAILED DESCRIPTION

[0068] In order to make the purpose, technical solution and advantages of the embodiments of the invention clearer, the technical solution in the embodiments of the invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the invention. Obviously, the described embodiments are part of the embodiments of the invention, not all of the embodiments. Generally, the components of the embodiments of the invention described and shown in the drawings here can be arranged and designed in various different configurations.

[0069] In conjunction with the accompanying drawings, a transaction guarantee and dispute handling system includes a central processing module, a user terminal module, a transaction module, a transaction supervision module, a payment gateway module, a dispute request module, a dispute handling module, an evidence management module, a database module, a credit evaluation module, a risk warning and prevention module, and a privacy protection module;

[0070] The central processing module is used to receive and process information from the user terminal module, transaction module, transaction supervision module, payment gateway module, dispute request module, dispute handling module, evidence management module, database module, credit evaluation module, risk warning and prevention module, and privacy protection module, and send the processing results to the relevant collaboration terminals for processing;

[0071] The user terminal module is used by the user to access the system, publish transaction information, perform transaction operations, view transaction progress, handle disputes, and conduct credit evaluation on the transaction object. In this embodiment, the user terminal module supports the registration of individual users and corporate users;

[0072] Furthermore, the user terminal module also includes a user management unit for user registration, login, identity authentication, and information management operations.

[0073] In the specific implementation, the user downloads and installs the system application, enters the registration interface, sets a password, completes the registration, and the system authenticates the identity through a text message verification code.

[0074] At the same time, the user terminal module adopts a multi-factor authentication method, including real-name authentication, biometrics, etc., to ensure the authenticity of the user's identity.

[0075] When logging in for the first time, the user logs in to the system and completes personal information, including name, ID number, bank card information, etc.;

[0076] During a transaction or dispute, users can view the transaction progress, submit dispute evidence, participate in and view the dispute resolution progress through the user terminal module. At the same time, users can also select the transaction object through the user terminal module and view the other party's credit rating and transaction record.

[0077] Moreover, in actual use, users can view the announcement information, FAQs and help documents of the platform released by the system through the user terminal module;

[0078] The transaction module is used to receive transaction information posted by users, match the information, generate transaction orders, and manage the transaction process;

[0079] Specifically, the transaction module includes a transaction management unit and a fund custody unit;

[0080] The transaction management unit is used to receive transaction information published by users, and perform intelligent matching based on the transaction demand and supply information published by users, recommend appropriate transaction partners to users, generate transaction orders for users with successful cooperation, and comprehensively manage the transaction process, including confirming transactions, paying deposits, confirming receipt, etc., and supervising the execution of transactions;

[0081] During the transaction process, the transaction management unit reviews the legality of the transaction commodities and can issue risk reminders for large transaction amounts to prevent large transaction risks.

[0082] At the same time, the transaction management unit can also issue abnormal situation warnings for abnormal fund flows, abnormal user operations, and incomplete transactions due to timeouts.

[0083] The fund escrow unit is connected to the third-party payment platform, and the funds traded by the user are directly escrowed to the third-party payment institution to realize the escrow of funds, so as to ensure the independence and security of the funds and avoid unilateral misappropriation by the system party;

[0084] During the transaction, the fund escrow unit may unfreeze the funds in stages according to the progress of the transaction and pay the unfrozen funds to the transaction parties; for example, in the prepayment deposit stage, a certain proportion of the deposit is paid; in the goods acceptance stage, the remaining amount is paid after confirmation of receipt.

[0085] Specifically, in the transaction confirmation stage: the fund custody unit will automatically generate a fund custody plan containing key information such as transaction amount, payment stage, and unfreezing conditions based on the transaction type (such as product purchase, service reservation, etc.) and the transaction terms agreed upon by both parties. This plan must be confirmed by both parties to the transaction before proceeding to the next step.

[0086] Deposit prepayment stage: When the buyer and seller reach an agreement on the transaction, the buyer needs to pay a certain percentage of the deposit to the fund escrow unit, such as 10% to 30% of the total transaction amount. In this step, the fund escrow unit first verifies whether the deposit amount paid by the buyer meets the proportion and amount agreed by both parties. Once confirmed, the fund escrow unit will temporarily freeze the deposit and notify the seller that it can start preparing goods or services. The freezing of funds at this stage ensures that the seller can proceed with subsequent work with peace of mind after receiving the deposit, and also protects the interests of the buyer, because if the seller fails to fulfill its contractual obligations, the fund escrow unit will return the deposit to the buyer according to the agreement.

[0087] Goods / Services Acceptance Stage: After the buyer completes the acceptance of goods or services, he needs to submit a receipt confirmation to the fund escrow unit. This confirmation can be in electronic form, such as clicking a confirmation button, sending a confirmation email, etc., or in physical form, such as a signed and sealed receipt. The fund escrow unit will review the buyer's receipt confirmation to ensure the authenticity and integrity of the transaction. After the review is passed, the fund escrow unit will automatically unfreeze the remaining funds previously frozen and pay them to the seller. This mechanism ensures that the seller can only obtain the full amount when the buyer is satisfied and confirms that the goods or services have been received, thereby protecting the buyer's rights and interests.

[0088] At the same time, for small transactions, such as transaction amounts less than 100, the payment can be completed by the payment gateway module after the order is confirmed.

[0089] When the user has a need, the user clicks the "Publish Transaction" button in the user terminal module and fills in the transaction information, for example:

[0090] Transaction content: such as buying gold, stock trading, learning and communication, etc.

[0091] Transaction amount: for example, 1,000 yuan.

[0092] Transaction method: such as online payment.

[0093] At the same time, the system verifies the information entered by the user to ensure that the information is complete and valid.

[0094] Then, the transaction module searches the database according to the transaction information posted by the user to find the transaction object that meets the conditions, and pushes the matching results to the user, and the user can choose the appropriate transaction object to contact.

[0095] After both parties reach an agreement on the transaction details, the user confirms the transaction. The transaction module generates a transaction order and, through the payment gateway module, escrows the transaction amount to a third-party payment platform account.

[0096] The transaction monitoring module is used to monitor the transaction process in real time, including but not limited to transaction progress, capital flow, user operations, and record relevant data;

[0097] During the transaction process, the transaction monitoring module monitors the transaction progress, such as logistics information, chat records, goods delivery status, etc., and monitors the flow of funds to ensure the safety of funds. In addition, the transaction monitoring module can also monitor user operations to prevent malicious operations;

[0098] For specific transactions, we can arrange for third-party professional organizations or platform staff to conduct on-site witnessing or remote video witnessing. For example, for antiques and calligraphy and paintings selected by customers, in order to prevent package substitution, the delivery can be completed under the video witnessing of third-party professional organizations or platform staff.

[0099] The following is the execution code:

[0100]

[0101]

[0102]

[0103]

[0104] The payment gateway module implements payment and refund operations on funds;

[0105] The dispute request module is used for users to file dispute handling applications for orders with disputes. If users encounter problems during the transaction, such as quality issues of goods, the other party's failure to perform obligations as agreed, etc., they can submit dispute applications through the dispute request module. When submitting a dispute request, the customer should submit evidence, and the evidence forms include but are not limited to text, pictures, recordings, videos, etc.

[0106] At the same time, the dispute request module can also collect and integrate evidence that multiple people have been defrauded by the same person / company, so that the dispute handling module can integrate dispute orders to conduct multi-party dispute mediation or litigation.

[0107] The dispute handling module is used to handle dispute applications submitted by users, collect evidence, and conduct mediation or litigation; at the same time, the dispute handling module can also classify and manage dispute cases, conduct statistical analysis on the handling of dispute cases, and publicize the handling results of dispute cases, providing users with a reference for transaction decisions.

[0108] Specifically, the dispute handling module includes a dispute mediation unit and a litigation agency unit;

[0109] In this embodiment, the system sets up an online dispute mediation center and employs professional mediators to achieve rapid response to transaction disputes. The dispute mediation unit is an online mediation, which is conducted by professional mediators. The mediators organize the two parties to conduct online mediation based on the evidence submitted by both parties, and facilitate the two parties to reach a settlement agreement.

[0110] Furthermore, the dispute mediation unit includes an information sending unit and a network mediation unit;

[0111] The information sending unit is used to send mediation information to the user terminal module, and the mediation information includes but is not limited to information of the two or more parties involved in the mediation, the mediation time, the mediation plan, etc.

[0112] The online mediation module is used for mediators to conduct three-party or multi-party mediation through the Internet. Through online mediation, the mediation efficiency is improved, and at the same time, face-to-face conflicts between two / multiple parties caused by offline meetings can be avoided.

[0113] The litigation agency unit provides litigation agency services for disputes that cannot be mediated.

[0114] Furthermore, the litigation agency unit includes a data collection and integration subunit, a selection subunit, a litigation assistance subunit, a blockchain evidence storage subunit, an online litigation subunit, a case progress tracking and management subunit, and an analysis and evaluation subunit;

[0115] The data collection and integration subunit realizes the collection of data throughout the entire transaction process to form a comprehensive chain of evidence; specifically, the data collection and integration subunit can automatically collect transaction-related data from multiple channels such as e-commerce platforms, payment platforms, logistics companies, etc., including order information, payment records, logistics tracking, product evaluations, customer service conversations, etc., to form a comprehensive chain of evidence.

[0116] The user of the selection subunit can select a litigation attorney or a cooperating attorney to accept the commission based on the list of cooperating attorneys provided by the system;

[0117] In specific implementation, the selection sub-unit can also enable the cooperating lawyers to independently accept orders according to the case circumstances, thereby realizing the diversity of the functions of the selection sub-unit.

[0118] The litigation assistance subunit performs in-depth analysis on the data collected by the data collection and integration subunit, identifies key points of the dispute, evaluates the responsibilities of both parties, and generates a preliminary dispute analysis report and legal advice;

[0119] Specifically, the litigation assistance sub-unit uses natural language processing, machine learning and other technologies to conduct in-depth analysis of the collected data, identify key points of disputes, evaluate the responsibilities of both parties, and generate preliminary dispute analysis reports and legal advice for users to refer to. At the same time, the dispute analysis report generated by the litigation assistance sub-unit can also be called by the dispute mediation unit to provide a basis for mediation for the mediator.

[0120] The blockchain evidence storage subunit uses blockchain technology to store the evidence materials uploaded by the user, and stores the evidence information on the blockchain to ensure the authenticity and integrity of the evidence;

[0121] Blockchain technology is used to preserve the evidence materials uploaded by users when applying for dispute resolution for disputed orders, and the evidence information is stored on the blockchain to ensure the authenticity and integrity of the evidence.

[0122] Specific:

[0123] Evidence hash value on-chain: The hash value of the evidence material is stored on the blockchain as a unique identifier of the authenticity of the evidence.

[0124] Distributed storage of evidence information: The key information of evidence materials is distributed and stored on multiple blockchain nodes to prevent data loss and tampering.

[0125] Timestamp record: records the timestamp of evidence upload as proof of the time validity of the evidence.

[0126] The online litigation subunit provides online litigation and participates in live court hearings;

[0127] In this embodiment, for small-value lawsuits in which multiple people are defrauded by the same person / company, the online litigation subunit can implement video court hearings and organize the two parties to conduct online court hearings;

[0128] At the same time, the online litigation sub-unit can support the online display of evidence materials, facilitate the parties to present evidence and cross-examine, and automatically record the trial process and generate trial transcripts.

[0129] The case progress tracking and management subunit can provide case reminders and automatic updates, making it convenient for users to view the case processing progress in real time; users can view the case processing progress in real time through the case progress tracking and management subunit, including court acceptance status, court session time, judgment results, etc. The case progress tracking and management subunit also provides case reminders and automatic update functions.

[0130] The analysis and evaluation subunit analyzes dispute cases on the platform and generates statistical reports to provide data support for improving services and preventing future disputes. The system regularly conducts statistical analysis on handled dispute cases, identifies common problems and trends, provides improvement suggestions for merchants and consumers, and also provides reference for policymakers.

[0131] The evidence management module is used to automatically save all data information in the transaction process and receive evidence submitted by users, and to review and save the evidence as evidence of transaction disputes.

[0132] Specifically, the evidence includes but is not limited to transaction orders, chat records, payment receipts, logistics information, goods photos, etc., as evidence of transaction disputes.

[0133] When receiving evidence submitted by users, we review and preserve the evidence to ensure its authenticity, completeness and legality.

[0134] In addition, the evidence management module can also classify and manage the evidence submitted by users to facilitate the call of the blockchain evidence storage sub-unit, and at the same time back up the evidence submitted by users to prevent data loss.

[0135] The database module is used to store user information, transaction information, evidence information, and dispute information data; the database module uses encryption technology to anonymize user data to ensure data security.

[0136] At the same time, the legal awareness and self-protection capabilities of the public are enhanced through the legal knowledge base and case library built into the database module.

[0137] The credit evaluation module is used by users to evaluate the credit of transaction objects, and at the same time establishes a user credit evaluation system based on the user's transaction records and evaluation information; during the transaction process, users can view the credit evaluation of the transaction object as a reference for transaction decisions;

[0138] In specific implementation, the credit evaluation module can review the user's credit evaluation in combination with the transaction status of the transaction order to prevent malicious evaluation;

[0139] At the same time, the credit evaluation module will dynamically adjust the user's credit evaluation and visually display the user's credit evaluation, providing the user with the latest credit evaluation and helping the user to choose a suitable transaction partner.

[0140] The risk warning and prevention module uses big data and artificial intelligence technology to analyze transaction behaviors, identify potential fraud risks, and promptly issue warnings and take preventive measures. At the same time, a blacklist system is established to restrict or ban users who violate the rules.

[0141] Specifically, in the data collection and extraction stage: collect user transaction data, behavior data, device information and other data from multiple data sources such as transaction databases, user behavior logs, and third-party data sources (such as credit reporting agencies), and perform feature extraction on user behavior data, for example:

[0142] Transaction frequency: the number of transactions a user makes per unit time.

[0143] Transaction amount fluctuation: The fluctuation of the user’s recent transaction amount.

[0144] Device information changes: whether the user has changed the device, IP address, etc.

[0145] Abnormal operational behaviors: such as frequent modification of personal information, frequent initiation of high-value transactions, etc.

[0146] User portrait establishment stage: Based on the extracted features, a user portrait is constructed, including basic user information, transaction characteristics, behavioral characteristics, risk characteristics, etc.

[0147] Model training phase: Select machine learning algorithms (such as random forest, XGBoost, neural network) to build a risk assessment model, and use historical transaction data and known risk cases as training samples to train and optimize the model.

[0148] Risk level classification stage: The user behavior data collected in real time is input into the trained model to calculate the user's risk score, and based on the risk score, the user is classified into different risk levels, such as low risk, medium risk, and high risk.

[0149] Risk warning stage: Different warning levels are set according to the risk level, for example:

[0150] Low risk: no warning required.

[0151] Medium risk: SMS reminders or email notifications are sent to remind users to pay attention to account security.

[0152] High risk: Pop-up prompts are sent to force users to authenticate their identities, or some of their functional permissions are suspended. Specifically, for medium-risk users, some of their functional permissions can be restricted, such as restricting withdrawals, restricting product releases, etc.; for high-risk users, all their functional permissions can be suspended and further identity verification can be performed.

[0153] As another implementation, a rule engine (such as Drools) is used to define risk warning rules, for example:

[0154] Rule 1: Frequent and large transactions in a short period of time

[0155] Condition: The user makes more than 5 transactions within 1 minute, and the amount of a single transaction exceeds 10,000 yuan.

[0156] Action: Mark as high risk, block the transaction, and conduct manual review.

[0157] Rule 2: The transaction amount exceeds 10 times the historical average transaction amount

[0158] Condition: Current transaction amount > historical average transaction amount*10.

[0159] Action: Mark as medium risk and send warning notification.

[0160] Rule 3: Change equipment frequently

[0161] Condition: The user changes the device more than 3 times within 30 days.

[0162] Action: Mark as medium risk and send warning notification.

[0163] Rule priority: Set the priority of different rules to ensure that the rules with higher priority are executed first.

[0164] In specific implementation, the risk handling measures in this embodiment are the same as the measures adopted in the above-mentioned risk warning stage.

[0165] Blacklist creation:

[0166] Establish a blacklist database to store information of restricted or banned users, including user ID, reason for joining the blacklist, joining time, release time, etc.

[0167] At the same time, the blacklist database is updated regularly to remove users whose risks have been resolved. And according to the risk assessment results and early warning disposal, new violating users are added to the blacklist in a timely manner.

[0168] In specific implementation, the blacklist database also establishes a blacklist sharing mechanism with other financial institutions or relevant departments, such as:

[0169] Share the blacklist data of this system with other financial institutions to help them prevent risks, or obtain blacklist data from other institutions to supplement and improve the blacklist database of this system.

[0170] The following is the execution code:

[0171] import pandas as pd

[0172] from sklearn.ensemble import RandomForestClassifier

[0173] from sklearn.model_selection import train_test_split

[0174] import numpy as np

[0175] #Suppose we have a DataFrame of transaction database and user behavior log

[0176] transactions=pd.DataFrame({

[0177] 'user_id':[1,2,3,...],

[0178] 'transaction_amount':[100,5000,200,...],

[0179] 'transaction_time':[...,...,...],

[0180] #Other transaction related fields

[0181] })

[0182] user_behavior=pd.DataFrame({

[0183] 'user_id':[1,2,3,...],

[0184] 'device_info':[...,...,...],

[0185] 'ip_address':[...,...,...],

[0186] 'behavior_time':[...,...,...],

[0187] 'action_type':['login','transaction','profile_update',...],

[0188] #Other behavior related fields

[0189] })

[0190] #Feature extraction function

[0191] defextract_features(transactions,user_behavior):

[0192] #Extract transaction features

[0193] transaction_features=transactions.groupby('user_id').agg({

[0194] 'transaction_amount':['mean','std','count'],

[0195]

[0196]

[0197] #Blacklist management (simplified version)

[0198] blacklist=set()

[0199] defadd_to_blacklist(user_id):

[0200] blacklist.add(user_id)

[0201] print(f"User{user_id}added to blacklist.")

[0202] defremove_from_blacklist(user_id):

[0203] blacklist.discard(user_id)

[0204] print(f"User{user_id}removed from blacklist.")

[0205] The privacy protection module uses encryption technology to protect user personal information and transaction data security to ensure that privacy is not leaked.

[0206] At the same time, the system can also integrate the function of charity fundraising. For the victims in the transaction process, the system can conduct social fundraising to provide certain help to the victims.

[0207] The present invention and its embodiments are described above, and such description is not restrictive. The drawings show only one embodiment of the present invention, and the actual structure is not limited thereto. In short, if ordinary technicians in the field are inspired by it, without departing from the purpose of the invention, they can design a structure and embodiment similar to the technical solution without creativity, which should belong to the protection scope of the present invention.

Claims

1. A transaction guarantee and dispute resolution system, characterized by: It includes central processing module, user terminal module, transaction module, transaction supervision module, payment gateway module, dispute request module, dispute handling module, evidence management module, database module, credit evaluation module, risk warning and prevention module, and privacy protection module; The central processing module is used to receive and process information from the user terminal module, transaction module, transaction supervision module, payment gateway module, dispute request module, dispute handling module, evidence management module, database module, credit evaluation module, risk warning and prevention module, and privacy protection module, and send the processing results to the relevant collaboration terminals for processing; The user terminal module is used by the user to access the system, publish transaction information, perform transaction operations, check transaction progress, handle disputes, and conduct credit evaluation on the transaction object; The transaction module is used to receive transaction information posted by users, match the information, generate transaction orders, and manage the transaction process; The transaction monitoring module is used to monitor the transaction process in real time, including transaction progress, capital flow, user operations, and record relevant data; The payment gateway module implements the payment and refund operations of funds; The dispute request module is used for users to file a dispute resolution application for orders with disputes; The dispute handling module is used to handle dispute applications submitted by users, collect evidence, and conduct mediation or litigation; The evidence management module is used to automatically save all data information in the transaction process and receive evidence submitted by users, and to review and save the evidence; The database module is used to store user information, transaction information, evidence information, and dispute information data; The credit evaluation module is used by users to evaluate the credit of transaction objects, and at the same time establishes a user credit evaluation system based on the user's transaction records and evaluation information; The risk warning and prevention module uses big data and artificial intelligence technology to analyze transaction behaviors, identify potential fraud risks, and promptly issue warnings and take preventive measures. At the same time, a blacklist system is established to restrict or ban users who violate the rules. The privacy protection module uses encryption technology to protect the security of user personal information and transaction data.

2. A transaction guarantee and dispute resolution system according to claim 1, characterized in that: The user terminal module also includes a user management unit for user registration, login, identity authentication, and information management operations.

3. A transaction guarantee and dispute resolution system according to claim 2, characterized in that: The transaction module includes a transaction management unit and a fund custody unit; The transaction management unit is used to receive transaction information published by users, perform intelligent matching based on the transaction demand and supply information published by users, recommend appropriate transaction objects to users, generate transaction orders, manage transaction processes, and supervise the execution of transactions; The fund custody unit is connected to the third-party payment platform to realize the custody of funds, and at the same time, unfreezes the funds in stages according to the progress of the transaction.

4. A transaction guarantee and dispute resolution system according to claim 3, characterized in that: The dispute handling module includes a dispute mediation unit and a litigation agency unit; The dispute mediation unit is conducted by a professional mediator who mediates based on the evidence submitted by both parties and helps the two parties reach a settlement agreement; The litigation agency unit provides litigation agency services for disputes that cannot be mediated.

5. A transaction guarantee and dispute resolution system according to claim 4, characterized in that: The dispute mediation unit includes an information sending unit and a network mediation unit; The information sending unit is used to send mediation information to the user terminal module; The network mediation module is used for mediators to conduct three-party mediation through the Internet.

6. A transaction guarantee and dispute resolution system according to claim 4, characterized in that: The litigation agency unit includes a data collection and integration subunit, a selection subunit, a litigation assistance subunit, a blockchain evidence storage subunit, an online litigation subunit, a case progress tracking and management subunit, and an analysis and evaluation subunit; The data collection and integration subunit realizes the collection of data in the entire transaction process to form a comprehensive chain of evidence; The user of the selection subunit can select a litigation attorney or a cooperating attorney to accept the commission based on the list of cooperating attorneys provided by the system; The litigation assistance subunit performs in-depth analysis on the data collected by the data collection and integration subunit, identifies key points of the dispute, evaluates the responsibilities of both parties, and generates a preliminary dispute analysis report and legal advice; The blockchain evidence storage subunit uses blockchain technology to store the evidence materials uploaded by the user, and stores the evidence information on the blockchain to ensure the authenticity and integrity of the evidence; The online litigation subunit provides online litigation and participates in live court hearings; The case progress tracking and management subunit can provide case reminders and automatic updates, making it convenient for users to view the case processing progress in real time; The analysis and evaluation subunit analyzes dispute cases on the platform and generates statistical reports to provide data support for improving services and preventing future disputes.

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