CN108320161B - Anti-fraud transaction method and device based on digital network technology - Google Patents
Anti-fraud transaction method and device based on digital network technology Download PDFInfo
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Abstract
The invention provides an anti-fraud transaction method and device based on a digital network technology. The method comprises the steps that commodity name information is prestored in a server, a commodity exclusive transaction account with a commodity name is correspondingly bound to the commodity name and serves as a unique entrance account for genuine transaction payment, and a client APP of a genuine transaction user and an account of a user corresponding to a payment card are configured under the entrance account; the method comprises the steps that information of commodities to be paid of a buyer is uploaded by a client side of a seller in certified goods transaction, and when the server judges that the certified goods authorized inventory of the seller is larger than or equal to the quantity of the commodities to be paid, the transaction amount of the transaction is transferred from a certified goods transaction account of the buyer to an account of the seller, so that the certified goods authorized inventory of a user of the seller is transferred to the account of the buyer as the prestored certified goods authorized inventory in an equivalent amount; when the number of the commodities to be paid is judged to be larger than the authorized stock of the genuine commodities of the seller, the payment from the account of the genuine commodity transaction client of the buyer to the account of the seller is stopped, so that the profit space for counterfeiting the genuine commodities is blocked to prevent the counterfeiting fraud.
Description
Technical Field
The invention relates to the field of data transmission, in particular to an anti-fraud transaction method and device based on a digital network technology.
Background
It is well known that all illegal economies exist outside of the legal size, and the legal rights of goods have characteristics that can be quantified. However, when enterprises and consumers call for the guarantee of their own legal market rights, the old traditional transaction mode which does not carry out payment limit control according to the amount of the commodity legal rights is used so far, and the traditional top-level mode which does not carry out payment limit control transaction according to the amount of the commodity legal rights inherently leaves a benefit space which is not subject to legal amount control, and the traditional top-level mode continuously guides people to pursue illegal economic benefits outside the legal amount, so that the traditional top-level mode does not accord with the benefit appeal of market parties for guaranteeing the legal economic rights, and various technical methods and means such as the existing anti-counterfeiting anti-fraud method and the like do not change the premise defect, so that the result acceptance is very little, and the phenomenon of counterfeiting legal implementation benefit fraud is overflowed.
Disclosure of Invention
In view of the above, an object of the embodiments of the present invention is to provide a fraud prevention transaction method and apparatus based on digital network technology, so as to block counterfeit legal profit making space in commercial transactions, suppress the incentive of counterfeit legal implementation of fraud profit making, and alleviate the hidden fraud problem of unauthorized transactions such as counterfeit legal transaction.
In a first aspect, the embodiment of the invention provides an anti-fraud transaction method based on a digital network technology, which is applied to a server, wherein the server prestores the name information of genuine commodities, the information comprises names and genuine authorized inventory amounts corresponding to the names, the names are bound with genuine unique accounts and serve as unique entrance accounts for genuine transaction payment, and the entrance accounts are configured and bound with a genuine transaction user dedicated client APP and accounts of users corresponding to payment cards.
The method comprises the following steps: the method comprises the steps that a server obtains information of commodities to be paid of a buyer uploaded by a client, wherein the information comprises the number and the type of the commodities to be paid and an account of a seller bound with the client; the server inquires the authorized stock of the certified products corresponding to the commodities to be paid in the account of the seller based on the information, wherein the corresponding relation between the authorized stock of the certified products and the account of the seller is stored in the server in advance; and when judging that the quantity between the certified product authorized inventory quantity and the quantity of the commodities to be paid meets the preset condition, the server transfers the transaction amount of the transaction from the account of the buyer to the account of the seller, subtracts the quantity of the transaction commodities from the certified product authorized inventory quantity of the seller and then transfers the subtracted quantity of the transaction commodities to the account of the buyer to serve as the certified product authorized inventory quantity pre-stored by the buyer. And when judging that the quantity between the certified goods authorized inventory quantity and the quantity of the commodities to be paid does not meet the preset condition, the server terminates the payment of the account of the buyer to the account of the seller.
In a second aspect, an embodiment of the present invention provides an anti-fraud transaction method based on a digital network technology, which is applied to a client, where the client and a server perform data interaction through a network, and the method includes: the method comprises the steps that a client corresponding to a seller obtains the number and the type of commodities to be paid of a buyer, and generates information of the commodities to be paid, which comprises the number and the type of the commodities to be paid and a seller account bound by the client; the client uploads the information of the commodity to be paid to a server so that the server queries the authorized stock of the certified products corresponding to the commodity to be paid in the account of the seller based on the information and then generates a query result; and the client acquires the query result.
In a third aspect, an embodiment of the present invention provides an anti-fraud transaction method based on a digital network technology, where the method includes: the method comprises the steps that a client corresponding to a seller obtains the number and the type of commodities to be paid of a buyer, and generates information of the commodities to be paid, which comprises the number and the type of the commodities to be paid and a seller account bound by the client; the client uploads the information of the commodity to be paid to a server; the server acquires the information of the commodity to be paid; the server inquires the authorized stock of the certified products corresponding to the commodities to be paid in the account of the seller based on the information, wherein the corresponding relation between the authorized stock of the certified products and the account of the seller is stored in the server in advance; when the server judges that the quantity between the certified goods authorized inventory quantity and the quantity of the commodities to be paid meets a preset condition, the server transfers the transaction amount of the transaction from the account of a buyer to the account of the seller, subtracts the quantity of the commodities to be paid from the certified goods authorized inventory quantity of the seller and then transfers the subtracted quantity to the account of the buyer to serve as the certified goods authorized inventory quantity pre-stored by the buyer, and when the server judges that the quantity between the certified goods authorized inventory quantity and the quantity of the commodities to be paid does not meet the preset condition, the server stops the payment from the account of the buyer to the account of the seller to generate result information; and the server sends the result information to the client.
In a fourth aspect, an embodiment of the present invention provides an anti-fraud transaction apparatus based on digital network technology, the apparatus including: the system comprises an acquisition module, a payment module and a payment module, wherein the acquisition module is used for acquiring information of commodities to be paid of a buyer uploaded by a client, and the information comprises the quantity and the type of the commodities to be paid and an account of a seller bound with the client; the query module is used for querying the authorized inventory of the certified products corresponding to the commodities to be paid in the account of the seller based on the information, wherein the corresponding relation between the authorized inventory of the certified products and the account of the seller is stored in the server in advance; the execution module is used for transferring the transaction amount of the transaction from the account of the buyer to the account of the seller when judging that the quantity between the certified stock and the commodity to be paid meets the preset condition, and transferring the quantity of the transaction commodity to the account of the buyer after deducting the quantity from the certified stock of the seller as the certified stock pre-stored by the buyer; and the system is also used for stopping the payment of the account of the buyer to the account of the seller when the certified goods authorized inventory quantity and the quantity of the commodities to be paid do not meet the preset condition.
In a fifth aspect, an embodiment of the present invention provides an anti-fraud transaction apparatus based on digital network technology, the apparatus including: the generation module is used for acquiring the quantity and the type of the to-be-paid commodities of the buyer and generating information of the to-be-paid commodities including the quantity and the type of the to-be-paid commodities and the seller account bound by the client; the sending module is used for uploading the information of the commodity to be paid to a server so that the server can query the authorized stock of the certified products corresponding to the commodity to be paid in the account of the seller based on the information and then generate a query result; and the acquisition module is used for acquiring the query result.
Compared with the prior art, the anti-fraud transaction method and the anti-fraud transaction device based on the digital network technology provided by the embodiments of the invention have the beneficial effects that: the server prestores the name information of the genuine commodities, wherein the information comprises the names and the authorized inventory of the genuine commodities corresponding to each name, the names are bound with a unique account of the genuine commodities and serve as a unique entrance account for the transaction payment of the genuine commodities, and the entrance account is configured and bound with an exclusive client APP of a user of the genuine commodity transaction or an account of a user corresponding to a payment card in a hanging manner, so that the payment of the transaction of the genuine commodities is promoted to enter the quantity control settlement system of the unique entrance account of the genuine commodities; and uploading the information of the commodities to be paid by the buyer by the seller client side in the certified product transaction, and when the server judges that the certified product authorized stock of the seller is more than or equal to the quantity of the commodities to be paid based on the information, transferring the transaction amount of the transaction from the special certified product transaction client account of the buyer to the seller account, and equivalently reducing the stock authorization amount of the seller user to be transferred to the buyer account as the pre-stored certified product authorized stock. And when judging that the quantity between the certified goods authorized inventory quantity and the quantity of the commodities to be paid does not meet the preset condition, the server terminates the payment of the account of the buyer to the account of the seller. By the method, a merchant user can only obtain the sales benefits in legal quantity control from the account of a buyer in the range controlled by the authorized inventory of the certified products, any transaction link which is separated from a quantity control payment system cannot collect money from the account of the special client APP or the payment card of the certified product transaction user, and therefore the legal profit space is blocked from being counterfeited outside the legal quantity. If the seller replaces the genuine product with the counterfeit product and the genuine product is sold by the counterfeit product within the authorized quantity of the genuine product inventory, the authorized inventory quantity of the genuine product is also consumed and deducted by equal quantity, the replaced genuine product cannot be sold as the genuine product and is collected from the account of the proprietary client APP or the payment card of the user of the transaction buyer of the genuine product, and only can be used as the counterfeit product by the buyer and loses the actual meaning of the counterfeit replacement. Therefore, if the false legal profit fails to stand outside the legal volume, the benefit drive of the false legal profit is lost. The merchant can clearly distinguish from illegal commodities in the market through the method, the integrity image is more powerfully determined, and the buyer can actively and effectively prevent counterfeit and legal hidden fraud through paying through the certified transaction exclusive client APP or the payment card account bound to the certified unique account in the method.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
Fig. 1 is a schematic diagram illustrating interaction between a server and a user terminal according to an embodiment of the present invention;
fig. 2 is a block diagram of a user terminal according to an embodiment of the present invention;
fig. 3 is a flowchart of an anti-fraud transaction method based on digital network technology according to a first embodiment of the present invention;
fig. 4 is a flowchart of another anti-fraud transaction method based on digital network technology according to the first embodiment of the present invention;
fig. 5 is a schematic structural diagram of an anti-fraud transaction apparatus based on digital network technology according to a second embodiment of the present invention;
fig. 6 is a schematic structural diagram of an anti-fraud transaction apparatus based on digital network technology according to a third embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures. Meanwhile, in the description of the present invention, the terms "first", "second", and the like are used only for distinguishing the description, and are not to be construed as indicating or implying relative importance.
Fig. 1 is a schematic diagram illustrating interaction between a user terminal 100 and a server 200 according to an embodiment of the present invention. The server 200 is communicatively coupled to one or more user terminals 100 via a network 300 for data communication or interaction. The server 200 may be a web server, a database server, or the like. In the server 200, the bank account of the commodity name property owner is bound with the property name and is used as a unique entrance account for the transaction payment of the certified products, and an account of a special client APP for the certified product transaction user and a payment card is hung under the unique entrance account to promote the payment of the certified product transaction of the buyer to only enter the unique entrance account bound with the certified product name to implement quantity control settlement management.
The user terminal 100 may be a pos (point of sales) terminal, a Personal Computer (PC), a tablet computer, a smart phone, a Personal Digital Assistant (PDA), and the like. As shown in fig. 2, which is a block diagram of the user terminal 100, the user terminal 100 may include: memory 110, memory controller 120, processor 130, peripheral interface 140, input-output unit 150, display unit 160.
The memory 110, the memory controller 120, the processor 130, the peripheral interface 140, the input/output unit 150, and the display unit 160 are electrically connected to each other directly or indirectly, so as to implement data transmission or interaction. For example, the components may be electrically connected to each other via one or more communication buses or signal lines. The processor 130 includes at least one software function module which may be stored in the memory 110 in the form of software or firmware (firmware) or solidified in an Operating System (OS) of the client device. The processor 130 is used to execute the executable modules stored in the memory 110.
The Memory 110 may be, but is not limited to, a Random Access Memory (RAM), a Read Only Memory (ROM), a Programmable Read-Only Memory (PROM), an Erasable Read-Only Memory (EPROM), an electrically Erasable Read-Only Memory (EEPROM), and the like. The memory 110 is configured to store a program, and the processor 130 executes the program after receiving an execution instruction, and the method executed by the client and the server defined by the process disclosed in any of the foregoing embodiments of the present invention may be applied to the processor 130, or implemented by the processor 130.
The processor 130 may be an integrated circuit chip having signal processing capabilities. The Processor 130 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; but may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The peripheral interface 140 couples various input/output devices to the processor 130 and to the memory 110, such as a code scanner. In some embodiments, peripheral interface 140, processor 130, and memory controller 120 may be implemented in a single chip. In other examples, they may be implemented separately from the individual chips.
The input and output unit 150 is used for providing input data to the user to realize the user interaction with the user terminal 100. The input/output unit 150 may be, but is not limited to, a mouse, a keyboard, and the like.
The display unit 160 provides an interactive interface (e.g., a user operation interface) between the user terminal 100 and the user or for displaying image data to the user reference. In this embodiment, the display unit 160 may be a liquid crystal display or a touch display. In the case of a touch display, the display can be a capacitive touch screen or a resistive touch screen, which supports single-point and multi-point touch operations. Supporting single-point and multi-point touch operations means that the touch display can sense touch operations from one or more locations on the touch display at the same time, and the sensed touch operations are sent to the processor 130 for calculation and processing.
First embodiment
Referring to fig. 3, fig. 3 is a flowchart illustrating a method for preventing fraudulent transactions based on digital network technology according to a first embodiment of the present invention, where the method is applied to a server. The server is a data management center and can be in communication connection with a plurality of clients. The server prestores the name information of the genuine commodities, the information comprises names and the authorized inventory of the genuine commodities corresponding to each name, the unique account of the genuine commodities is bound to the names and serves as the unique entrance account of the genuine commodity transaction payment, and the entrance account is configured with the client APP of the genuine commodity transaction user and the account of the payment card in a hanging mode. The flow shown in fig. 3 will be described in detail below, and the method includes:
step S110: the server acquires the information of the to-be-paid commodity of the buyer uploaded by the client.
The information of the to-be-paid goods of the buyer can include the number and the category of the to-be-paid goods and the seller account bound with the client.
The information is generated and uploaded by a client, the client can be an APP built in a user terminal or the user terminal, each client is bound with an account, and the account can be bound with a bank card so as to charge and trade and transfer accounts. Of course, each client may also obtain information of the account number to which the payment card is bound. It is worth pointing out that, in the invention, no matter the seller or the buyer, all transactions are implemented on-line electronic payment and collection based on the account bound with the client corresponding to the seller or the buyer, so that the payment of the genuine transaction is ensured to only enter the quantity control transaction settlement system bound with the unique account of the genuine transaction, and any transaction link separated from the quantity control transaction settlement system cannot collect the money from the account of the special client APP or the payment card of the genuine transaction user.
In the present invention, the data generated by the transaction of any good is associated with the source account of the good. The initiative of the genuine commodity transaction is controlled in a buyer, the genuine commodity payment only enters a quantity control transaction payment system bound with a unique account of the genuine commodity, and if the intermediate distribution link is separated from the quantity control transaction control system to implement fake networking, the money cannot be collected from the account of the proprietary APP of the genuine commodity of the buyer or the payment card. For example, if a buyer needs to purchase the genuine "chinese cigarette", the server needs to associate his account with the source account of the owner of the title of the genuine "chinese cigarette" in advance, so that the buyer can receive the residual inventory authorization amount deducted and transferred by the owner of the title instead of the residual inventory authorization amount transferred by the owner of the title of other brands. The server correlatively queries the certified product authorized stock quantity of the Chinese cigarettes in the account of the seller according to the information of the Chinese cigarettes to be paid uploaded by the seller, when the quantity of the Chinese cigarettes to be paid is within the certified product authorized stock quantity of the seller, deducts money from an exclusive APP or a payment card account of the buyer bound to the certified product unique account, transfers and stores certified product stock authorized quantity to the account of the buyer, and implements fake networking fake-filling of certified products beyond the certified product authorized quantity for fraud by a network control system separated from the certified product control transaction, so that the buyer cannot collect money from the certified product exclusive APP or the payment card account of the buyer, therefore, the buyer only needs to use the certified product transaction exclusive APP or the payment card account payment of the certified product bound to the certified product unique account to pay, the payment of the certified products is prevented from entering an account collection channel outside the certified product unique quantity control, and the willingness motivation of fraud can be blocked, the hidden fraud of the illegal merchant can be prevented, so that the initiative for guaranteeing the legitimate consumption rights of the illegal merchant can be mastered, and the phenomenon that the illegal merchant fools the fraud because of unconsciousness is avoided.
When a buyer and a seller perform a transaction, a seller may scan an identification code on a to-be-paid commodity of the buyer through a scanning device (e.g., a camera of a mobile phone) carried by the client or an external barcode scanner, or enter data in a manual input manner, so that the client corresponding to the seller acquires the quantity and the type of the to-be-paid commodity of the buyer, and then the client corresponding to the seller combines with an account of the seller bound to the client to generate information of the to-be-paid commodity including the quantity and the type of the to-be-paid commodity and an account of the seller bound to the client.
The identification codes can be printed on all the commodities, so that the client can acquire the number and the types of the commodities to be paid by scanning the identification codes. The identification code may be a two-dimensional code or a one-dimensional code, or may be another identification code with identification function generated along with the development of technology.
The information of the commodities to be paid comprises the number and the types of the commodities to be paid in the transaction. Of course, the information of the goods to be paid may also include other information, for example, the batch number of the goods to be paid in the transaction.
The client uploads the information of the commodity to be paid to the server after generating the information of the commodity to be paid.
Step S120: and the server inquires the authorized inventory of the genuine products corresponding to the commodities to be paid in the account of the seller based on the information.
In one embodiment, the server stores in advance a correspondence between a different account and the genuine product authorized stock quantity of each commodity. Also in the above, "chinese cigarette" case, the authorized quantity of genuine products may be 200 for the account a and 1000 for the account B.
Wherein, the source can be the following situations:
as one embodiment, the seller herein may be an intermediate seller, denoted by A.
When A acquires the goods (the goods are put in or purchased as a buyer from the last shipping node), payment needs to be made to the account of the last shipping node through the account of A, so that the account bound with A acquires the authorized inventory of the genuine goods transferred from the last shipping node. Of course, the last delivery channel may be the source manufacturer or the intermediate distributor. In the case of an intermediate distributor, the intermediate distributor also needs to pay the account of the previous shipping node through an account with the intermediate distributor. Namely, each node in the whole sales process carries out transaction through the quantity control transaction control system.
As another embodiment, the seller here may be a source manufacturer, corresponding to a source property unique account for the goods. When the seller is a source manufacturer, the authorized inventory of the genuine products corresponding to the account of the seller can be data which is edited and input by the seller through a keyboard and is stored by the server.
Step S130: and the server judges whether the quantity of the certified product authorized inventory quantity of the seller and the quantity of the commodities to be paid of the buyer meet preset conditions or not.
Wherein the preset conditions are as follows: the certified goods authorized inventory quantity of the seller is larger than or equal to the quantity of the commodities to be paid of the buyer.
Step S131: when the certified goods authorized inventory quantity of the seller and the quantity of the commodities to be paid of the buyer meet a preset condition, transferring the transaction amount of the transaction from the account of the buyer into the account of the seller, deducting the transaction quantity of the transaction commodity from the certified goods authorized inventory quantity of the seller and transferring the transaction quantity of the transaction commodity into the account of the buyer to serve as the certified goods authorized inventory quantity stored by the buyer in advance.
For example, the authorized stock quantity of the genuine cigarettes sold by the seller a is 100 packs, and the quantity of the cigarettes of the brand required to be purchased by the buyer B is 20 packs, since 100 is greater than 20, i.e. the authorized inventory of the genuine products of a and the purchase quantity of B meet the preset condition, when B transacts with the account of a through the account of B (the card can be swiped through the client, the identification code can be generated for scanning, facial recognition, iris recognition, fingerprint recognition and the like), the server will transfer the amount paid for the purchase of the 20 packs of cigarettes by the buyer from the account of B to the account of a, meanwhile, the account corresponding to the A updates the genuine authorized stock quantity of the brand cigarette to be 80 packets (namely, 20 is deducted), and the quantity of 20 packets paid successfully in the transaction is transferred to the account of the B, so that the 20 packages are used as the inventory basis of the genuine authorization of the B when the B is used as a seller to trade.
Referring to fig. 4, as an embodiment, the method may further include:
step S132: and when the certified goods authorized inventory quantity of the seller and the quantity of the commodities to be paid of the buyer do not meet a preset condition, stopping the payment of the account of the buyer to the account of the seller.
Of course, as an embodiment, when the authorized inventory quantity of genuine products of the seller a is 100 packages and the quantity of the commodities of the corresponding brand sold by the seller is 120 packages, since 100 is less than 120, that is, the authorized inventory quantity of genuine products of the seller and the quantity of the commodities to be paid by the buyer do not satisfy the preset condition, in this case, in order to protect the trueness of the circulation of genuine products and the legitimate interest of the buyer, the server terminates the account of the buyer and pays the payment amount to the account of the seller. Because the goods beyond the authorized inventory of the seller's genuine goods must come from an unauthorized channel, the sales volume of the genuine goods cannot be larger than the purchase volume of the seller's genuine goods. Of course, as an embodiment, the server generates result information to send to the client for each transaction result, so that both parties of the transaction can know the result of the transaction.
As an implementation manner, the client obtains the query result as that the server sends the query result when determining that the certified goods authorized inventory amount is greater than or equal to the quantity of the goods to be paid, at this time, the server transfers the transaction amount of the transaction from the account of the buyer to the account of the seller, and transfers the transaction amount of the goods deducted from the certified goods authorized inventory amount of the seller to the account of the buyer as the certified goods authorized inventory amount pre-stored by the buyer.
As another embodiment, the client obtains the query result as that the server sends the query result when determining that the authorized inventory of genuine products is smaller than the quantity of the commodities to be paid, and at this time, the server terminates the payment from the account of the buyer to the account of the seller.
The anti-fraud transaction method based on the digital network technology has the advantages that the server prestores the name information of the genuine commodities, the information comprises the names and the authorized inventory of the genuine commodities corresponding to each name, the name is bound with the unique account of the genuine commodity and serves as the unique entrance account for the payment of the genuine commodity transaction, the entrance account is configured and bound with the client APP of the user of the genuine transaction or the account of the user corresponding to the payment card, and the payment of the genuine transaction is promoted to enter the quantity control settlement system of the unique entrance account of the genuine commodity only. The seller client side in the certified goods transaction uploads the information of the goods to be paid by the buyer, and the server transfers the transaction amount of the transaction from the proprietary client side account of the certified goods transaction of the buyer to the seller account when judging that the certified goods authorization inventory amount of the seller is more than or equal to the quantity of the goods to be paid based on the information, and equivalently reduces the inventory authorization amount of the seller user to be transferred to the buyer account as the certified goods authorization inventory amount; and when the certified goods authorized inventory quantity and the quantity of the commodities to be paid do not meet the preset condition, stopping the payment of the account of the buyer to the account of the seller. By the method, the merchant user can only obtain the sales benefits in the quality control of the genuine products from the account of the buyer in the range controlled by the authorized stock quantity of the genuine products, thereby blocking the counterfeiting of legal profit space outside the legal quality. If the false legal profit is not established outside the legal amount, the benefit drive of the false legal is lost. The merchant can be clearly distinguished from the unauthorized commodities in the market through the method, the integrity image is more powerfully determined, and the buyer can more effectively prevent counterfeit and legal hidden fraud through the method.
Second embodiment
Referring to fig. 5, fig. 5 is a block diagram of an anti-fraud transaction apparatus 400 based on digital network technology according to a second embodiment of the present invention, including:
an obtaining module 410, configured to obtain information of a to-be-paid commodity of a buyer uploaded by a client, where the information includes the number and the category of the to-be-paid commodity and an account of a seller bound to the client;
the query module 420 is configured to query, based on the information, authorized inventory of certified products corresponding to the to-be-paid commodity in the account of the seller, where a correspondence between the authorized inventory of certified products and the account of the seller is pre-stored in the server;
the executing module 430 is configured to, when it is determined that the quantity between the certified authorized inventory quantity and the quantity of the to-be-paid commodity meets a preset condition, transfer the transaction amount of the transaction from the account of the buyer to the account of the seller, and transfer the quantity of the transaction commodity deducted from the certified authorized inventory quantity of the seller to the account of the buyer as a certified authorized inventory quantity pre-stored by the buyer.
In one embodiment, the executing module 430 is further configured to terminate the payment from the account of the buyer to the account of the seller when it is determined that the quantity of the good authorized inventory and the quantity of the commodity to be paid does not satisfy a preset condition.
In this embodiment, please refer to the contents described in the embodiments shown in fig. 1 to fig. 4 for the process of implementing each function of each function module of the fraud prevention transaction apparatus 400 based on the digital network technology, which is not described herein again.
Third embodiment
Referring to fig. 6, fig. 6 is a block diagram of an anti-fraud transaction apparatus 500 based on digital network technology according to a third embodiment of the present invention, including:
a generating module 510, configured to obtain the quantity and the category of the to-be-paid commodity of the buyer, and generate information of the to-be-paid commodity including the quantity and the category of the to-be-paid commodity and the seller's account bound to the client;
the sending module 520 is configured to upload information of the to-be-paid commodity to a server, so that the server queries, based on the information, an authorized inventory of a genuine commodity corresponding to the to-be-paid commodity in an account of the seller and generates a query result;
an obtaining module 530, configured to obtain the query result.
In this embodiment, please refer to the contents described in the embodiments shown in fig. 1 to fig. 4 for the process of implementing each function of each function module of the fraud prevention transaction apparatus 500 based on the digital network technology, which is not described herein again.
In summary, the present invention provides a digital network technology-based anti-fraud transaction method and apparatus. The server prestores the name information of the genuine commodities, the information comprises the name and the authorized inventory of the genuine commodities corresponding to each name, the name is bound with a unique account of the genuine commodities and is used as a unique entrance account for the transaction payment of the genuine commodities, and the entrance account is configured with a client APP of a user for transacting the genuine commodities or an account of a user corresponding to a payment card, so that the payment of the transaction of the genuine commodities is promoted to enter the quantity control settlement system of the unique entrance account of the genuine commodities. The seller client in the certified goods transaction uploads the information of the goods to be paid by the buyer, and the server transfers the transaction amount of the transaction from the proprietary client account of the certified goods transaction of the buyer to the seller account when judging that the certified goods authorization inventory of the seller is more than or equal to the quantity of the goods to be paid based on the information, and equivalently reduces the inventory authorization amount of the seller user to be transferred to the buyer account as the certified goods authorization inventory to be prestored; and when the quantity of the commodities to be paid is larger than the inventory authorization quantity of the seller, stopping the payment from the special client account of the genuine commodity transaction of the buyer to the account of the seller, so as to block the profit space for counterfeiting the genuine commodities and suppress the incentive of counterfeiting fraud. By the method, the merchant user can only obtain the sales benefits in the legal quantity control from the account of the buyer in the range controlled by the authorized inventory quantity of the genuine products, thereby blocking the counterfeiting of legal profit space outside the legal quantity. If the false legal profit is not established outside the legal amount, the benefit drive of the false legal is lost. The merchant can be clearly distinguished from counterfeit goods in the market through the method, the integrity image is more powerfully determined, and the buyer can more effectively prevent counterfeit legal hidden fraud through the method.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method can be implemented in other ways. The apparatus embodiments described above are merely illustrative, and for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, the functional modules in the embodiments of the present invention may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes. It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, 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 may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention. It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (3)
1. The anti-fraud transaction method is applied to a server, the server prestores the name information of genuine commodities, the name information comprises names and genuine authorized inventory corresponding to each name, the names are bound with genuine unique accounts and serve as unique entrance accounts for genuine transaction payment, and the entrance accounts are configured and bound with genuine transaction user exclusive clients APP and accounts of users corresponding to payment cards in a hanging mode, and the method is applied to the server and comprises the following steps:
the method comprises the steps that a server obtains information of commodities to be paid of a buyer uploaded by a client, wherein the information comprises the number and the type of the commodities to be paid and a seller account bound with the client;
the server inquires the authorized stock of the certified products corresponding to the commodities to be paid in the account of the seller based on the information, wherein the corresponding relation between the authorized stock of the certified products and the account of the seller is stored in the server in advance;
when the server judges that the certified product authorized inventory is larger than or equal to the quantity of the commodities to be paid, the transaction amount of the transaction is transferred from the account of the buyer to the account of the seller, and the quantity of the commodities transferred in the transaction is transferred to the account of the buyer after being deducted from the certified product authorized inventory of the seller and is used as the certified product authorized inventory pre-stored by the buyer;
and when judging that the certified product authorized inventory quantity is smaller than the quantity of the commodities to be paid, the server terminates the payment of the account of the buyer to the account of the seller.
2. The anti-fraud transaction method based on the digital network technology is characterized in that a server prestores item name information of genuine commodities, the item name information comprises item names and genuine authorized stock amounts corresponding to the item names, a genuine unique account is bound to the item names and serves as a unique entrance account for genuine transaction payment, and an exclusive client APP of a genuine transaction user and an account of a user corresponding to a payment card are configured and bound under the entrance account, and the method comprises the following steps:
the method comprises the steps that a client corresponding to a seller obtains the number and the type of commodities to be paid of a buyer, and information of the commodities to be paid, including the number and the type of the commodities to be paid and a seller account bound by the client, is generated;
the client uploads the information of the commodity to be paid to a server;
the server acquires the information of the commodity to be paid;
the server inquires the authorized stock of the certified products corresponding to the commodities to be paid in the account of the seller based on the information, wherein the corresponding relation between the authorized stock of the certified products and the account of the seller is stored in the server in advance;
when the server judges that the certified goods authorized inventory is larger than or equal to the quantity of the commodities to be paid, the transaction amount of the transaction is transferred from the account of the buyer to the account of the seller, the quantity of the commodities to be transferred in the transaction is deducted from the certified goods authorized inventory of the seller and then transferred to the account of the buyer, and the obtained commodities are used as the certified goods authorized inventory pre-stored by the buyer to generate transaction information; when the server judges that the certified product authorized inventory amount is smaller than the quantity of the commodities to be paid, the server stops the payment of the account of the buyer to the account of the seller;
and the server sends the transaction information to the client.
3. The utility model provides an anti-fraud transaction device based on digital network technique which characterized in that is applied to the server, the name information of genuine commodity is prestored to the server, the name information includes the authorized stock of genuine commodity that the name of article and every name of article correspond, the name of article is bound the uniqueness account of genuine, and as the uniqueness entry account of genuine transaction payment, the configuration is hung under the entry account and is bound the account of genuine transaction user proprietary client APP and the user that the payment card corresponds, the device includes:
the system comprises an acquisition module, a payment module and a payment module, wherein the acquisition module is used for acquiring information of commodities to be paid of a buyer uploaded by a client, and the information comprises the quantity and the type of the commodities to be paid and an account of a seller bound with the client;
the query module is used for querying the authorized inventory of the certified products corresponding to the commodities to be paid in the account of the seller based on the information, wherein the corresponding relation between the authorized inventory of the certified products and the account of the seller is preserved in the device in advance;
the execution module is used for transferring the transaction amount of the transaction from the account of the buyer to the account of the seller when judging that the certified goods authorized inventory amount is larger than or equal to the quantity of the commodities to be paid, and transferring the transaction amount of the transaction goods into the account of the buyer after deducting the transaction amount from the certified goods authorized inventory amount of the seller as the certified goods authorized inventory amount pre-stored by the buyer; the system comprises a seller and a buyer, wherein the seller is used for storing goods to be paid, and the buyer is used for stopping payment from the seller account when judging that the quantity of the goods to be paid and the certified authorized inventory quantity do not meet preset conditions; and when the certified goods authorized inventory quantity is judged to be smaller than the quantity of the commodities to be paid, stopping the payment of the account of the buyer to the account of the seller.
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| CN201810109887.6A CN108320161B (en) | 2018-02-02 | 2018-02-02 | Anti-fraud transaction method and device based on digital network technology |
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| CN109447650A (en) * | 2018-09-18 | 2019-03-08 | 李晓青 | A kind of method for processing payment information preventing sell-fake-products and system |
| CN109583910B (en) * | 2018-10-26 | 2023-05-12 | 蚂蚁金服（杭州）网络技术有限公司 | Commodity authorization identification method, device and equipment |
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