Shop ownership data verification method, device and system and terminal equipment
By obtaining and comparing the store and collection account information in the API data interface of e-commerce platforms and collection institutions, the problem of difficult to confirm the ownership rights of cross-border e-commerce sellers is solved, and efficient and accurate store ownership verification is achieved.
Patent Information
- Application Number
- CN202411986582.5
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-12-31
- Publication Date
- 2025-04-29
AI Technical Summary
It is difficult to effectively confirm the store ownership rights of cross-border e-commerce sellers, and it is impossible to accurately judge the authenticity of the loan applicant's business.
By obtaining the user's authorization information, calling the SP-API data interface of the e-commerce platform and the API data interface of the collection agency, obtaining and comparing the information of the store account and collection account to determine whether the user is the store's owner.
In the absence of manual intervention, the verification of the actual controller of the store is completed online and automated, which improves verification efficiency, saves labor costs, and ensures the authenticity, effectiveness and accuracy of verification.
Smart Images
Figure CN119904240A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of computer data processing technology, and in particular to a method, apparatus, system, terminal device and storage medium for verifying store ownership data. Background Art
[0002] With the booming growth of e-commerce platforms, it's becoming increasingly common for merchants to manage multiple stores under the same control in order to scale operations and mitigate risk. In the cross-border e-commerce sector, to assess risk and determine credit limits, lenders must accurately verify the actual controllers of these stores. Therefore, verifying whether multiple stores are owned by the same controller has become a critical step in risk management for cross-border e-commerce loans.
[0003] In the credit field, judging the core business qualifications of a company is an important pre-loan review step. The cross-border e-commerce industry is huge, but due to the obvious digitalization of the industry, it is difficult for traditional risk control to effectively confirm the store ownership of cross-border e-commerce sellers through offline manual investigations, and it is impossible to effectively judge the authenticity of the loan applicant's business. Summary of the Invention
[0004] The present application provides a data verification method, apparatus, system, terminal device and storage medium for store ownership to solve the problem in the prior art that it is difficult to effectively confirm the store ownership of cross-border e-commerce sellers.
[0005] In a first aspect, this application provides a data verification method for store ownership, including:
[0006] Obtaining first authorization information based on a first operation of the user, wherein the first authorization information represents the user's authorization to query merchant data of a preset e-commerce platform;
[0007] Obtaining second authorization information based on the user's second operation, wherein the second authorization information represents the user's authorization to query the store payment account information of the preset e-commerce platform;
[0008] Perform store verification data processing based on the user's third operation;
[0009] The interface displays the verification results of the store’s verification data processing.
[0010] Furthermore, the store verification data processing includes:
[0011] By calling the SP-API data interface of the preset e-commerce platform and based on the first authorization information, obtaining the user's store account and the store payment account tail number;
[0012] By calling the API data interface of the preset e-commerce platform payment institution and based on the second authorization information, obtaining the store account of the user who has opened a payment account at the preset e-commerce platform payment institution and the corresponding store payment account tail number;
[0013] Compare the last digits of the store account and store payment account in the two API data interfaces;
[0014] If the comparison results are consistent, the user is determined to be the owner of the store.
[0015] Furthermore, the interface displays the verification results of the store's verification data processing, including:
[0016] The interface displays a preset statement to indicate whether the user is the owner of the store.
[0017] Furthermore, the method further comprises:
[0018] The verification result information is sent to a financial institution system, wherein the financial institution system includes a bank system to which the user intends to apply for a loan.
[0019] Furthermore, before obtaining the first authorization information based on the user's first operation, the method further includes:
[0020] Obtaining identity information uploaded by the user, wherein the identity information includes at least the user's ID card information and store business license information;
[0021] The identity information is reviewed and verified.
[0022] Furthermore, the first operation, the second operation and the third operation include a user's interface click operation and a copy and paste operation.
[0023] In a second aspect, the present application provides a data verification device for store ownership, comprising:
[0024] A first authorization information acquisition module is configured to acquire first authorization information based on a first operation of a user, wherein the first authorization information represents the user's authorization to query merchant data of a preset e-commerce platform;
[0025] A second authorization information acquisition module is configured to acquire second authorization information based on a second operation of the user, wherein the second authorization information represents the user's authorization to query the store payment account information of the preset e-commerce platform;
[0026] A store verification module is used to process store verification data based on the user's third operation;
[0027] The result display module is used to display the verification results of the store verification data processing on the interface.
[0028] In the third aspect, the present application provides a data verification system for store ownership, including an API interface calling module, a main control module and a financial institution docking module, wherein:
[0029] The API interface calling module obtains merchant data of the preset e-commerce platform by connecting with the API data interface of the preset e-commerce platform, and obtains store payment account data of the preset e-commerce platform by connecting with the API data interface of the preset e-commerce platform payment institution;
[0030] The main control module executes the method steps included in any one of the above-mentioned first aspects;
[0031] The financial institution docking module is used to send verification result information to the financial institution where the user intends to apply for a loan.
[0032] In a fourth aspect, the present application provides a terminal device comprising: at least one communication interface; at least one bus connected to the at least one communication interface; at least one processor connected to the at least one bus; and at least one memory connected to the at least one bus, wherein the processor is configured to execute the data verification method for store ownership described in the present application.
[0033] In a fifth aspect, the present application also provides a computer storage medium storing computer executable instructions, wherein the computer executable instructions are used to execute the data verification method for store ownership described in the present application.
[0034] The method provided in the embodiment of the present application obtains first authorization information based on the user's first operation, obtains second authorization information based on the user's second operation, performs store verification data processing based on the user's third operation, and finally displays the verification result of the store verification data processing on the interface, wherein the first authorization information represents the user's authorization to query the merchant data of the preset e-commerce platform, and the second authorization information represents the user's authorization to query the store payment account information of the preset e-commerce platform. In this way, the relevant data is obtained based on the user's authorization, and then the store account and store payment account tail number of the Amazon SP-API data interface are compared with the store account and store payment account tail number of the Amazon payment agency API data interface to see if they are completely consistent. If the information obtained in the two data interfaces is the same, it is determined that the user is the owner of the Amazon store. This method replaces the current industry's offline manual on-site review of Amazon store backend information and on-site verification of the company's actual controller's identity information for comparison. It can complete the verification of the actual controller of the Amazon store online and automatically without manual intervention, improving verification efficiency and saving labor costs, while ensuring the authenticity and effectiveness of the verification and improving the accuracy of the verification. BRIEF DESCRIPTION OF THE DRAWINGS
[0035] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and, together with the description, serve to explain the principles of the invention.
[0036] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.
[0037] One or more embodiments are exemplarily illustrated by pictures in the corresponding drawings. These exemplifications do not constitute limitations on the embodiments. Elements with the same reference numerals in the drawings are represented as similar elements. Unless otherwise stated, the figures in the drawings do not constitute proportional limitations.
[0038] Figure 1 A flowchart of a data verification method for store ownership provided in an embodiment of the present application;
[0039] Figure 2 A flowchart of store verification data processing provided in an embodiment of this application;
[0040] Figure 3 A flowchart of another method for verifying store ownership data provided in an embodiment of the present application;
[0041] Figure 4 A module flow chart of a data verification device for store ownership provided in an embodiment of the present application;
[0042] Figure 5 A schematic diagram of a terminal device provided in an embodiment of the present application. DETAILED DESCRIPTION
[0043] To make the purpose, technical solutions, and advantages of the embodiments of this application more clear, the technical solutions in the embodiments of this application will be clearly and completely described below in conjunction with the drawings in the embodiments of this application. Obviously, the described embodiments are part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of this application.
[0044] The disclosure below provides many different embodiments or examples for implementing different configurations of the present invention. To simplify the disclosure of the present invention, the components and configurations of specific examples are described below. Of course, these are merely examples and are not intended to limit the present invention. In addition, the present invention may repeat reference numerals and / or letters in different examples. Such repetition is for the purpose of simplicity and clarity and does not in itself indicate the relationship between the various embodiments and / or configurations discussed.
[0045] To address the existing difficulty in effectively confirming the ownership of cross-border e-commerce sellers' stores, this application provides a data verification method for store ownership. Through data analysis and correlation technology, this method identifies potential relationships between stores on a cross-border e-commerce platform, thereby determining which stores belong to the same actual controller. This method also includes identity verification and authorization steps to ensure the accuracy and credibility of the identification results.
[0046] Figure 1 A data verification method for store ownership provided in an embodiment of the present application includes:
[0047] S101. Obtaining first authorization information based on a first operation of a user, wherein the first authorization information represents the user's authorization to query merchant data of a preset e-commerce platform;
[0048] S102: Obtain second authorization information based on a second operation of the user, wherein the second authorization information indicates the user's authorization to query the store payment account information of the preset e-commerce platform;
[0049] The data verification method for store ownership provided by this application can be used to develop a system platform with a software interface for users to register and log in to verify whether they are the actual holders of authorized stores, which can be used as a prerequisite for the user to apply for a loan from a bank. The user here refers to a cross-border e-commerce seller. In one embodiment, you can register as a platform user on the system platform through a conventional registration method (user name + password), and then log in with the username and password to verify the ownership of the store. At the same time, since the registered user is a cross-border e-commerce seller, he has his own cross-border e-commerce platform registration account. For example, the preset e-commerce platform is the Amazon platform.
[0050] In one embodiment, the first operation, the second operation, and the third operation refer to the user's triggering operations on the platform software interface. For example, they can be click operations, input operations, and copy and paste operations performed by the user on the interface based on input devices (mouse and keyboard).
[0051] The system platform corresponding to the embodiment of the method of the present application provides a store ownership verification function for registered users. The prerequisite is that two authorizations of the user are required, one is the store authorization, and the other is the payment agency authorization, which corresponds to the first authorization information and the second authorization information in this application. Specifically, the operation of store authorization is: the user obtains the store authorization link on the system platform, and then copies and pastes the link into the commonly used browser in the Amazon backend to confirm the store authorization. The operation of payment agency authorization is: the user completes the payment account authorization on the system platform according to the payment account authorization guidelines. It should be noted that the system platform has been certified by the Amazon platform to become an SPN (Amazon Service Provider Network) service provider, and has obtained the SP-API data interface application permission of the Amazon platform, and has applied to become the designated cooperative service provider of the Amazon platform payment agency, and obtained the information query permission of the Amazon store payment account. It can be understood that the system platform and these two institutions (Amazon platform and Amazon platform payment agency) can perform system docking and data interface calls.
[0052] S103: Perform store verification data processing based on the user's third operation;
[0053] In one embodiment, after completing the authorization operation, the user clicks the "store verification" control on the interface to trigger the store ownership verification function. In other words, the user's third operation is the operation of clicking the interface control.
[0054] For further information, see Figure 2 , the store verification data processing includes the following steps:
[0055] S1031. Obtain the user's store account and store payment account number by calling the SP-API data interface of the preset e-commerce platform based on the first authorization information;
[0056] S1032. Obtaining the store account and corresponding store payment account suffix number of the user's payment account opened at the preset e-commerce platform payment institution by calling the API data interface of the preset e-commerce platform payment institution and based on the second authorization information;
[0057] S1033. Compare the last digits of the store account and the store payment account in the two API data interfaces;
[0058] S1034. If the comparison results are consistent, the user is determined to be the owner of the store.
[0059] Specifically, the system platform connects to the Amazon SP-API data interface to obtain the authorized merchant data query permission of the Amazon platform. If the store is authorized, the authorized user's sellerid (store account) and the store payment account suffix can be obtained according to the listFinancialEventGroups interface in the Finances API. The system platform also connects to the Amazon payment agency API data interface to obtain the information query permission of the Amazon store payment account. If the user is authorized, the sellerid (store account) of the Amazon store where the user has opened a payment account at the payment agency and the corresponding store payment account suffix, as well as the registration information of the account opener can be queried. It should be noted that the store payment account suffix here refers to the account suffix used by cross-border e-commerce sellers to obtain Amazon sales returns. Afterwards, the store account and store payment account suffix in the two API data interfaces are compared to confirm whether they are consistent. This can be understood as comparing whether the same two pieces of data information obtained from two different data interfaces are the same. If the last digits of the store account and store payment account of the Amazon SP-API data interface are exactly the same as the last digits of the store account and store payment account of the Amazon payment agency API data interface, it is confirmed that the registered login user is the owner of the store to be checked. It can also be understood that the user is the owner and holder of the store to be checked.
[0060] Furthermore, the identity information of the store owner can be obtained through the user's registration information at Amazon's payment agency.
[0061] S104. The interface displays the verification results of the store’s verification data processing.
[0062] In one embodiment, the interface displays a preset statement to indicate whether the user is the owner of the store. For example, the interface displays "Verification Successful" to indicate that the store being checked is owned by the registered user, or "Verification Failed" to indicate that the store account and store payment account digits of the store being checked are inconsistent across different systems. The system then identifies the user as a key user for investigation and sends a message to the bank system connected to the system platform.
[0063] In the embodiments of this application, by using a multi-institutional API interface for joint verification, it is possible to accurately determine the actual controller information of Amazon stores without human intervention. This changes the existing method of manually verifying the authenticity and correspondence of the holder's information by providing ID cards, business licenses, and store account information offline. This improves verification efficiency and saves labor costs. In addition, because the system automatically identifies and verifies, it eliminates fraud caused by human intervention and errors that may occur in manual operations, ensuring the authenticity and effectiveness of the verification and improving the accuracy of the verification.
[0064] Furthermore, since the data verification method for store ownership described in the embodiment of this application is a prerequisite for users to apply for loans from banks, the system platform needs to be connected with financial institutions including banking systems. Figure 3 , the method embodiment of the present application also includes:
[0065] S105: Send verification result information to a financial institution system, wherein the financial institution system includes a bank system to which the user intends to apply for a loan.
[0066] Specifically, the verification success or failure information is sent to the bank system, so that bank staff can promptly understand the actual asset status of the borrower through the results, avoiding the situation where the borrower is unable to repay the loan. At the same time, it also reduces the workload of bank staff in verifying the actual assets of the borrower.
[0067] In addition, in order to ensure the authenticity and integrity of the information uploaded by registered users of the system platform, the embodiment of the method of this application also includes:
[0068] Before obtaining the first authorization information based on the user's first operation, the method further includes: obtaining identity information uploaded by the user, wherein the identity information includes at least the user's ID card information and the store's business license information; and reviewing and verifying the identity information.
[0069] Specifically, users upload their ID card, business license, and other relevant documents to the system platform. The system then reviews and verifies the uploaded information to ensure its authenticity and completeness. This ensures the authenticity of the user being checked, preventing falsified or incomplete information. This improves the authenticity and efficiency of subsequent store verification.
[0070] like Figure 4 As shown, the embodiment of the present application provides a data verification device for store ownership, including:
[0071] A first authorization information acquisition module 401 is configured to acquire first authorization information based on a first operation of a user, wherein the first authorization information represents the user's authorization to query merchant data of a preset e-commerce platform;
[0072] A second authorization information acquisition module 402 is configured to acquire second authorization information based on a second operation of the user, wherein the second authorization information represents the user's authorization to query the store payment account information of the preset e-commerce platform;
[0073] The store verification module 403 is used to process store verification data based on the user's third operation;
[0074] The result display module 404 is used to display the verification results of the store verification data processing on the interface.
[0075] The data verification device for store ownership in the embodiment of the present application can be composed of a software module and has the technical features provided by any of the aforementioned method embodiments, so as to realize the function of automatically verifying whether the user is the owner of the store based on the user's authorization.
[0076] In addition, the embodiment of the present application also provides a data verification system for store ownership, that is, the system platform mentioned above, which specifically includes: an API interface calling module, a main control module and a financial institution docking module, wherein:
[0077] The API interface calling module obtains merchant data of the preset e-commerce platform by connecting with the API data interface of the preset e-commerce platform, and obtains store payment account data of the preset e-commerce platform by connecting with the API data interface of the preset e-commerce platform payment institution;
[0078] The main control module executes the technical steps corresponding to the aforementioned method embodiment;
[0079] The financial institution docking module is used to send verification result information to the financial institution where the user intends to apply for a loan.
[0080] like Figure 5 As shown, an embodiment of the present application provides a terminal device, including a processor 111, a communication interface 112, a memory 113 and a communication bus 114, wherein the processor 111, the communication interface 112, and the memory 113 communicate with each other through the communication bus 114.
[0081] Memory 113, for storing computer programs;
[0082] In one embodiment of the present application, the processor 111, when executing the program stored in the memory 113, implements the data verification method for store ownership provided by any of the aforementioned method embodiments, and implements the same functions as the method embodiments to achieve the same technical effects.
[0083] An embodiment of the present application further provides a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the technical processing steps provided in any of the aforementioned method embodiments are implemented.
[0084] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of the modules may be selected based on actual needs to achieve the objectives of this embodiment.
[0085] Through the description of the above embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus a general hardware platform, or of course, by hardware. Based on this understanding, the above technical solution, in essence, or the part that contributes to the relevant technology, can be embodied in the form of a software product. The computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, a magnetic disk, an optical disk, etc., and includes a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each embodiment or certain parts of the embodiment.
[0086] It should be understood that the terms used herein are for the purpose of describing specific example embodiments only and are not intended to be limiting. Unless the context clearly indicates otherwise, the singular forms "one", "an" and "said" as used herein may also be meant to include plural forms. The terms "comprise", "include", "contain" and "have" are inclusive and therefore specify the presence of stated features, steps, operations, elements and / or parts, but do not exclude the presence or addition of one or more other features, steps, operations, elements, parts, and / or combinations thereof. The method steps, processes, and operations described herein are not to be construed as necessarily requiring them to be performed in the specific order described or illustrated, unless the order of execution is clearly indicated. It should also be understood that additional or alternative steps may be used.
[0087] The foregoing description is intended only to provide specific embodiments of the present invention, which will enable those skilled in the art to understand and implement the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention is not intended to be limited to the embodiments shown herein, but is intended to be accorded the widest scope consistent with the principles and novel features claimed herein.
Claims
1. A data verification method for store ownership, characterized in that: The method comprises: Acquire first authorization information based on a first operation of the user, wherein the first authorization information represents the user's authorization to query merchant data of a preset e-commerce platform; Acquire second authorization information based on a second operation of the user, wherein the second authorization information represents the user's authorization to query the store payment account information of the preset e-commerce platform; Perform store verification data processing based on the user's third operation; The interface displays the verification results of the store’s verification data processing.
2. The method according to claim 1, characterized in that The store verification data processing includes: By calling the SP-API data interface of the preset e-commerce platform and based on the first authorization information, obtaining the last digit of the store account and the store payment account of the user; By calling the API data interface of the preset e-commerce platform payment institution and based on the second authorization information, obtaining the store account of the user who opened a payment account at the preset e-commerce platform payment institution and the corresponding store payment account tail number; Compare the last digits of the store account and store payment account in the two API data interfaces; If the comparison results are consistent, the user is determined to be the owner of the store.
3. The method according to claim 1, characterized in that The interface displays the verification results of the store's verification data processing, including: The interface displays a preset statement to indicate whether the user is the owner of the store.
4. The method according to claim 1, characterized in that: The method further comprises: The verification result information is sent to a financial institution system, wherein the financial institution system includes a bank system to which the user intends to apply for a loan.
5. The method according to claim 1, characterized in that Before obtaining the first authorization information based on the first operation of the user, the method further includes: Obtaining identity information uploaded by the user, wherein the identity information at least includes the user's ID card information and store business license information; The identity information is reviewed and verified.
6. The method according to claim 1, characterized in that The first operation, the second operation and the third operation include an interface click operation and a copy and paste operation of the user.
7. A data verification device for store ownership, characterized in that: The device comprises: A first authorization information acquisition module, configured to acquire first authorization information based on a first operation of a user, wherein the first authorization information represents the user's authorization to query merchant data of a preset e-commerce platform; A second authorization information acquisition module, configured to acquire second authorization information based on a second operation of the user, wherein the second authorization information represents the user's authorization to query the store payment account information of the preset e-commerce platform; A store verification module, used to process store verification data based on a user's third operation; The result display module is used to display the verification results of the store verification data processing in an interface.
8. A data verification system for store ownership, characterized in that: The system includes an API interface calling module, a main control module and a financial institution docking module, wherein: The API interface calling module obtains merchant data of the preset e-commerce platform by connecting with the API data interface of the preset e-commerce platform, and obtains store payment account data of the preset e-commerce platform by connecting with the API data interface of the preset e-commerce platform payment institution; The main control module executes the method according to any one of claims 1 to 6; The financial institution docking module is used to send verification result information to the financial institution where the user wants to apply for a loan.
9. A terminal device, characterized in that: include: at least one communication interface; at least one bus connected to the at least one communication interface; at least one processor coupled to the at least one bus; At least one memory connected to the at least one bus, wherein the processor is configured to execute the method according to any one of claims 1 to 6.
10. A storage medium, characterized in that: Computer executable instructions are stored, and the computer executable instructions are used to execute the method according to any one of claims 1 to 6.