Management method and device of target deposit, and storage medium
By establishing margin account information on the electronic trading platform and generating a unique identification code, the confidentiality issue of the target margin payment situation is resolved, the secure storage and public display of information is achieved, and the confidentiality and fairness of the bidding process are improved.
Patent Information
- Application Number
- CN202510916398.1
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-07-03
- Publication Date
- 2025-10-17
AI Technical Summary
In the prior art, there is a confidentiality issue regarding the payment of the target deposit, which may result in different target personnel being able to learn about the deposit payment status of other target projects, leading to a leak of information.
Based on the electronic trading platform, margin account information is established and a unique identification code is generated. Information management is performed through the identification code to avoid leakage of remittance amount and remitter information, and to achieve storage management of one account for one standard.
It improves the confidentiality of the target deposit, ensures the security and publicity of remittance information, and ensures the fairness and transparency of the bidding process.
Smart Images
Figure CN120807117A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to a management method, and more particularly to a method, device and storage medium for managing a target margin. Background Art
[0002] Before embarking on large-scale projects such as goods procurement, engineering contracting, and service provision, partners are often selected through bidding. During a bidding process, bidders pay a certain amount of security deposit to the tenderer in accordance with the bidding documents to guarantee compliance with bidding regulations during the bidding process and fulfillment of contractual obligations upon winning the bid. This security deposit is known as the bid security deposit. The primary function of the bid security deposit is to prevent bidders from engaging in fraudulent bidding or violating bidding regulations, thereby ensuring the smooth conduct of the bidding process and fair competition.
[0003] The payment of the target deposit is confidential in itself, but there is a problem that multiple targets share the same bank account, which may cause people in different targets to know the deposit payment status of other target projects, thereby leading to leakage of information. Summary of the Invention
[0004] The present invention discloses a method, device, equipment and storage medium for managing a target margin, so as to realize confidential management of the margin.
[0005] The present invention discloses a method for managing a target margin, comprising:
[0006] Establishing margin account information based on the underlying information of the electronic trading platform, wherein the margin account information includes at least the margin bank account number and contact information;
[0007] Package the margin account information and send it to the electronic trading platform for storage;
[0008] Obtain remittance information for the deposit bank account, the remittance information including at least the remitter, remittance amount, remittance time, and remarks;
[0009] Package and store remittance information.
[0010] Furthermore, it also includes:
[0011] Generate an identification code based on remittance information;
[0012] The identification code is sent to the remitter and the electronic transaction platform respectively, and the electronic transaction platform stores the identification code;
[0013] The identification code is unique and does not contain the remittance amount.
[0014] Furthermore, it includes:
[0015] In response to the opening bid information, the remittance information is acquired based on the identification code.
[0016] The remittance information is sent to the electronic transaction platform for display.
[0017] Further, the target information further comprises a preset condition.
[0018] The remittance information is acquired, and it is determined whether the remittance information meets the preset condition.
[0019] If the preset condition is not met, feedback information is sent to the remitter.
[0020] Further, if the preset condition is not met, feedback information is sent to the remitter.
[0021] If the preset condition is not met, an identification code and feedback information are generated.
[0022] The identification code and the feedback information are packaged, and the packaged information is sent to the remitter.
[0023] Further, it comprises:
[0024] The remitter's supplementary payment information is acquired.
[0025] The remitter's remittance information and the supplementary payment information are combined to form updated information.
[0026] It is determined whether the updated information meets the preset condition.
[0027] If the preset condition is met, the identification code corresponding to the remittance information is associated with the updated information.
[0028] Further, the preset condition comprises:
[0029] A first amount threshold, if the remittance amount is not less than the first amount threshold, the preset condition is met.
[0030] Another aspect of the present application also discloses a target guarantee fund management device, comprising:
[0031] An information processing unit is configured to establish guarantee fund account information based on target information of an electronic transaction platform, the guarantee fund account information at least comprising a guarantee fund bank account and a contact method.
[0032] An information sending unit is configured to package the guarantee fund account information and send it to the electronic transaction platform for storage.
[0033] An information storage unit is configured to acquire remittance information of the guarantee fund bank account, the remittance information at least comprising a remitter, a remittance amount, a remittance time and a note, and package and store the remittance information.
[0034] The application further discloses a subject margin management device, comprising a processor and a memory.
[0035] The memory is used for storing a computer program and transmitting the computer program to the processor.
[0036] The processor is used for executing the subject margin management method according to the instructions in the computer program.
[0037] The application further discloses a storage medium storing computer executable instructions, which are used for executing the subject margin management method when executed by a computer processor.
[0038] Compared with the prior art, the application establishes a new bank account based on subject information, stores and manages remittance information, realizes one account for one subject, avoids other subjects from obtaining related margin information, and improves the confidentiality. BRIEF DESCRIPTION OF DRAWINGS
[0039] Figure 1 The application further discloses a subject margin management device, comprising a processor and a memory. DETAILED DESCRIPTION
[0040] The following description and drawings are illustrative of specific embodiments of the application and are not intended to limit the scope of the application. Individual components and functions can be optional, and the order of operations can be varied. Portions and features of some embodiments can be included in, or substituted for, those of other embodiments. The scope of the embodiments of the application encompasses the entire scope of the claims and all available equivalents of the claims. In this document, embodiments can be individually or collectively represented with the term "application" merely for convenience, and are not intended to limit the scope of the application to any single application or inventive concept if more than one is, in fact, disclosed. In this document, relational terms such as first and second, and the like can be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but can include other elements not expressly listed or inherent to such process, method, article, or apparatus. The embodiments are described in a progressive manner, each embodiment focusing on the differences from other embodiments, and the same or similar parts between embodiments can be referred to each other. For the structure, product, and the like disclosed by the embodiments, since they correspond to the parts disclosed by the embodiments, the description is relatively simple, and the relevant parts can be referred to the method part.
[0041] The application discloses a subject guarantee fund management method, as shown in the specification, comprising: Figure 1
[0042] S101. Based on the subject information of the electronic transaction platform, establish the guarantee fund account information, which at least includes the guarantee fund bank account number, contact information;
[0043] Wherein, the electronic transaction platform is a software platform for bidding, the tenderer can publish the bidding information through the electronic transaction platform, and the bidder can obtain the subject information of the electronic transaction platform; before the opening of the bid, the electronic transaction platform receives the input subject name and mobile phone number and stores them; the electronic transaction platform sends the mobile phone number to the bank management system or a system with similar functions; the bank management system receives the mobile phone number, stores it and allocates a guarantee fund bank account number according to the mobile phone number, which only corresponds to one subject information; the guarantee fund bank account number and the contact information are packaged to form the guarantee fund account information;
[0044] S102. Package the guarantee fund account information and send it to the electronic transaction platform for storage;
[0045] Wherein, the bank management system sends the guarantee fund account information to the electronic transaction platform; the electronic transaction platform receives the guarantee fund account information and publishes it, and the bidder can obtain the guarantee fund account information corresponding to the subject by browsing the electronic transaction platform;
[0046] S103. Obtain the remittance information of the remittance into the guarantee fund bank account number, which at least includes the remitter, the remittance amount, the remittance time and the remarks;
[0047] Wherein, the remittance information in the guarantee fund bank account number is identified and obtained to identify the remitter, the remittance amount, the remittance time and the remarks and other related contents;
[0048] S104. Package and store the remittance information.
[0049] The embodiment of the application establishes a new bank account based on the subject information and stores and manages the remittance information, realizes one account for one subject, avoids other subjects from obtaining the related guarantee fund information, and improves the confidentiality.
[0050] Optionally, it further comprises:
[0051] S105. Generate an identification code based on the remittance information, which is unique and does not contain the remittance amount;
[0052] Wherein, the remittance information is read and identified, and a unique identification code corresponding to the remittance information is generated, which does not contain the remittance amount, effectively avoiding the leakage of the remittance amount and the information of the remitter.
[0053] S106. The identification code is sent to the remitter and the electronic transaction platform respectively, and the identification code is stored by the electronic transaction platform.
[0054] The identification code can be sent to the mobile phone, mailbox, etc. of the remitter and sent to the electronic transaction platform, and the identification code is displayed at the corresponding target, and the remitter can confirm whether the margin payment is completed based on the identification code.
[0055] The embodiment of the application can publish the margin payment information without displaying the amount and the remitter based on the identification code, and the remitter can compare the information on the electronic transaction platform to determine whether the margin payment is completed, and the confidentiality is high.
[0056] In particular, it includes:
[0057] The remittance information is obtained based on the identification code in response to the opening information.
[0058] The condition change of the target is collected, and the corresponding remittance information is extracted by the identification code when the target is opened.
[0059] The remittance information is sent to the electronic transaction platform for display.
[0060] The bank management system sends the remittance information corresponding to the identification code to the electronic transaction platform for display, which can be viewed by the public.
[0061] The embodiment of the application can automatically obtain and display the remittance information through the opening information, realize the publicity of the remittance information, and improve the fairness and openness of bidding.
[0062] Optionally, the target information further includes a preset condition.
[0063] The remittance information is obtained, and it is determined whether the remittance information meets the preset condition.
[0064] The tenderer can set the preset condition according to the requirement, such as the qualification of the bidder, the margin amount, etc.
[0065] If the preset condition is not met, feedback information is sent to the remitter.
[0066] If the preset condition is not met, it means that the remitter does not meet the requirements of the tender, and the remitter can supplement the margin according to the feedback information.
[0067] The embodiment of the application can provide corresponding feedback to the remitter when there is a problem in the margin remittance, so that the remitter can make adjustments and modifications in the first time.
[0068] In particular, if the preset condition is not met, feedback information is sent to the remitter.
[0069] If the preset condition is not met, the identification code and the feedback information are generated.
[0070] If the preset condition is not met, the identification code and the feedback information are generated.
[0071] The identification code and the feedback information are packaged and sent to the remitter.
[0072] The remitter can receive the identification code and the feedback information at the same time, and can confirm the remittance and understand the feedback information at the same time, which facilitates subsequent margin payment.
[0073] In particular, the method comprises:
[0074] The remitter's payment information is obtained.
[0075] If the remitter exists before, the remittance is identified as payment information.
[0076] The remittance information and the payment information of the same remitter are combined to form updated information.
[0077] The previous remittance information and the subsequent payment information of the same remitter are combined to form updated information, the updated information includes the previous remittance information and the subsequent payment information, including the remittance amount and the remittance time, and the total amount is set as the margin.
[0078] It is determined whether the updated information meets the preset condition.
[0079] The margin in the updated information is read and judged again to determine whether the preset condition is met.
[0080] If the preset condition is met, the identification code corresponding to the remittance information is associated with the updated information.
[0081] If the preset condition is met, the identification code is associated with the updated information without changing the identification code, so that the subject information of the electronic transaction platform is not frequently changed, and the change of the subject of the electronic transaction platform is minimized.
[0082] The embodiment of the application establishes an effective association between the identification code and the updated information while keeping the identification code unchanged, and reduces the change of the subject related content of the electronic transaction platform.
[0083] In particular, the preset condition comprises:
[0084] The first amount threshold, if the remittance amount is not less than the first amount threshold, the preset condition is met.
[0085] The first amount threshold is the minimum guarantee amount, and the first amount threshold can be set by the tenderer.
[0086] The embodiment of the application can judge the amount of the tenderer's remittance by setting the first amount threshold, so as to directly identify the amount of the tenderer's remittance.
[0087] The embodiment of the application further discloses a target guarantee fund management device, comprising:
[0088] The information processing unit is used to establish the guarantee fund account information based on the target information of the electronic transaction platform, and the guarantee fund account information at least includes the guarantee fund bank account number and the contact information.
[0089] The electronic transaction platform is a software platform for bidding, the tenderer can publish the bidding information through the electronic transaction platform, and the tenderer can obtain the target information of the electronic transaction platform; before the opening of the bidding, the electronic transaction platform receives the input target name and mobile phone number and stores them; the electronic transaction platform sends the mobile phone number to the bank management system or a system with similar functions; the information processing unit of the bank management system receives the mobile phone number, stores it and allocates a guarantee fund bank account number according to the mobile phone number, and the guarantee fund bank account number only corresponds to one target information; the information processing unit packs the guarantee fund bank account number and the contact information to form the guarantee fund account information.
[0090] The information sending unit is used to pack the guarantee fund account information and send it to the electronic transaction platform for storage.
[0091] The information sending unit obtains the guarantee fund account information from the bank management system and sends it to the electronic transaction platform; the electronic transaction platform receives the guarantee fund account information and publishes it, and the tenderer can obtain the guarantee fund account information corresponding to the target by browsing the electronic transaction platform.
[0092] The information storage unit is used to obtain the remittance information of the guarantee fund bank account number, and the remittance information at least includes the remitter, the remittance amount, the remittance time and the remarks; and the remittance information is packed and stored.
[0093] The information storage unit identifies and obtains the remittance information in the guarantee fund bank account number to identify the remitter, the remittance amount, the remittance time and the remarks and other related contents.
[0094] The embodiment of the present application establishes a new bank account based on target information, stores and manages remittance information, realizes one account for one target, avoids other targets from obtaining related margin information, and improves confidentiality.
[0095] The target margin management device provided by the embodiment of the present application is included in the target margin management equipment, and can be used to execute the target margin management method provided in the above embodiment, has corresponding functions and advantages.
[0096] It is worth noting that, in the embodiment of the above target margin management device, each unit and module is only divided according to the function logic, but is not limited to the above division, as long as the corresponding function can be realized; in addition, the specific name of each functional unit is only for the convenience of mutual distinction, and is not used to limit the protection scope of the present application.
[0097] The embodiment also provides a target margin management equipment, and the target margin management equipment provided by the embodiment of the present application comprises a processor and a memory.
[0098] The memory is used for storing a computer program and transmitting the computer program to the processor.
[0099] The processor is used for executing the steps in the above target margin management method embodiment according to the instructions in the computer program.
[0100] Exemplarily, the computer program can be divided into one or more modules / units, the one or more modules / units are stored in the memory and executed by the processor to complete the present application. The one or more modules / units can be a series of computer program instruction segments capable of completing a specific function, and the instruction segments are used to describe the execution process of the computer program in the target margin management equipment.
[0101] The target margin management equipment can be a desktop computer, a notebook computer, a palm computer, a cloud server and other computing devices. The target margin management equipment can include, but is not limited to, a processor and a memory.
[0102] The processor can be a central processing unit (CPU), and can also be other general-purpose processors, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware component, etc. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor.
[0103] The memory can be an internal storage unit of the subject margin management device, such as a hard disk or a memory of the subject margin management device. The memory can also be an external storage device of the subject margin management device, such as a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card, etc. Further, the memory can include both the internal storage unit and the external storage device of the subject margin management device. The memory is used to store computer programs and other programs and data required by the subject margin management device. The memory can also be used to temporarily store data that has been output or will be output.
[0104] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described system, device and unit can refer to the corresponding processes in the foregoing method embodiments, which will not be described here.
[0105] In several embodiments provided in the present application, it should be understood that the disclosed system, device and method can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of units is only a logical function division, and actual implementation can have another division manner, for example, a plurality of units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between the units shown or discussed can be indirect coupling or communication connection through some interface, device or unit, and can be electrical, mechanical or other forms.
[0106] 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, i.e., may be located in one place, or may be distributed to multiple network units. Part or all of the units may be selected according to actual needs to achieve the purpose of the embodiment.
[0107] In addition, each functional unit in various embodiments of the application can be integrated into one processing unit, or each unit can exist physically, or two or more units can be integrated into one unit. The integrated unit can be realized in the form of hardware or in the form of a software functional unit.
[0108] If the integrated unit is realized in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer readable storage medium. Based on this understanding, the technical solutions of the application essentially or the part of the prior art that contributes to the technical solutions or all or part of the technical solutions can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes a plurality of instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the various embodiment methods of the application. The aforementioned storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, and various computer program storage media.
[0109] The embodiment of the application also provides a storage medium containing computer executable instructions, which are used to execute a target margin management method when executed by a computer processor. The method comprises the following steps:
[0110] Based on the target information of the electronic transaction platform, establish margin account information, wherein the margin account information at least includes a margin bank account, a contact method;
[0111] Pack the margin account information and send it to the electronic transaction platform for storage;
[0112] Obtain remittance information of the remittance margin bank account, wherein the remittance information at least includes a remitter, a remittance amount, a remittance time, and a note;
[0113] Pack and store the remittance information.
[0114] Note that the above only describes the preferred embodiments of the present application and the applied technical principles. Those skilled in the art will understand that the embodiments of the present application are not limited to the specific embodiments described herein, and that various obvious changes, reconfigurations and substitutions can be made by those skilled in the art without departing from the scope of the embodiments of the present application. Therefore, although the embodiments of the present application have been described in detail through the above embodiments, the embodiments of the present application are not limited to the above embodiments, and can include more other equivalent embodiments without departing from the concept of the embodiments of the present application, and the scope of the embodiments of the present application is determined by the appended claims.
Claims
1. A method for managing underlying margin, characterized in that: described Establishing margin account information based on the underlying information of the electronic trading platform, wherein the margin account information includes at least the margin bank account number and contact information; Package the margin account information and send it to the electronic trading platform for storage; Obtain remittance information for the deposit bank account, the remittance information including at least the remitter, remittance amount, remittance time, and remarks; Package and store remittance information.
2. The method for managing underlying margin according to claim 1, characterized in that: Also includes: Generate an identification code based on remittance information; The identification code is sent to the remitter and the electronic transaction platform respectively, and the electronic transaction platform stores the identification code; The identification code is unique and does not contain the remittance amount.
3. The method for managing underlying margin according to claim 2, characterized in that: include: In response to the bid opening information, obtaining remittance information based on the identification code; Send the remittance information to the electronic trading platform for display.
4. The method for managing underlying margin according to claim 1, characterized in that: The target information also includes preset conditions; Obtain remittance information and determine whether the remittance information meets the preset conditions; If the preset conditions are not met, feedback information will be sent to the remitter.
5. The method for managing underlying margin according to claim 4, characterized in that: If the preset conditions are not met, feedback information will be sent to the remitter; If the preset conditions are not met, an identification code and feedback information are generated; The identification code and feedback information are packaged and sent to the remitter.
6. The method for managing underlying margin according to claim 5, characterized in that: include: Obtain the remitter's supplementary payment information; Combine the remittance information and supplementary payment information of the same remitter to form updated information; Determine whether the updated information meets the preset conditions; If the preset conditions are met, the identification code corresponding to the remittance information is associated with the updated information.
7. The method for managing underlying margin according to claim 4, characterized in that: The preset conditions include: The first amount threshold: if the remittance amount is not less than the first amount threshold, the preset condition is met.
8. A target margin management device, characterized in that: The device comprises: An information processing unit, configured to establish margin account information based on the underlying information of the electronic trading platform, wherein the margin account information includes at least a margin bank account number and contact information; An information sending unit, configured to package the margin account information and send it to the electronic trading platform for storage; An information storage unit is used to obtain remittance information of a bank account remitted to the margin, wherein the remittance information includes at least the remitter, remittance amount, remittance time, and remarks; and the remittance information is packaged and stored.
9. A target margin management device, characterized in that: The underlying margin management device includes a processor and a memory; The memory is used to store a computer program and transmit the computer program to the processor; The processor is configured to execute the target margin management method according to any one of claims 1 to 7 according to instructions in the computer program.
10. A storage medium storing computer executable instructions, characterized in that: The computer executable instructions are used to perform the target margin management method according to any one of claims 1 to 7 when executed by a computer processor.