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Transaction method based on credit guarantee, transaction creation method and related hardware

A transaction method and technology of transaction parties, applied in the field of data processing

Pending Publication Date: 2020-08-21
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, among applications that provide transaction functions, only e-commerce platforms are capable of providing transaction guarantees for users. For some applications that use transaction as a non-core business, or small-scale applications, how to ensure the security of user transactions has become an important issue. intractable problem

Method used

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  • Transaction method based on credit guarantee, transaction creation method and related hardware
  • Transaction method based on credit guarantee, transaction creation method and related hardware
  • Transaction method based on credit guarantee, transaction creation method and related hardware

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Embodiment Construction

[0078] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described The embodiments are only some of the embodiments in this specification, not all of them. Based on the embodiments in this specification, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of this specification.

[0079] At present, many applications installed on our terminal devices provide transaction functions, but only e-commerce platforms have the ability to provide transaction guarantees for users. For some applications that use transactions as non-core businesses (such as social software) or For small-scale applications, how to ensure the security of user transact...

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Abstract

The embodiment of the invention provides a transaction method based on credit guarantee, a transaction creation method and related hardware. The method comprises: a transaction application generatingan electronic receipt of a to-be-executed target transaction, and the electronic receipt compriing constraint terms needing to be performed on the target transaction by a first transaction party of the target transaction; the transaction application uploading the electronic document of the target transaction to a credit assessment mechanism to reserve a certificate, wherein the credit assessment mechanism records a credit quantized value of the first transaction party; and the transaction application sending the performance state of the first transaction party for the electronic document to the credit evaluation mechanism after the target transaction is completed; and the credit assessment mechanism performing credit assessment on the first transaction party based on the electronic document with the certificate left and the received performance state of the first transaction party for the electronic document so as to update the credit quantized value of the first transaction party.

Description

technical field [0001] This document relates to the technical field of data processing, in particular to a transaction method based on credit guarantee, a transaction creation method and related hardware. Background technique [0002] With the advent of the Internet era, terminal applications are flourishing, and functions are becoming more and more abundant. This includes applications that provide trading functions. At present, among applications that provide transaction functions, only e-commerce platforms are capable of providing transaction guarantees for users. For some applications that use transaction as a non-core business, or small-scale applications, how to ensure the security of user transactions has become a major issue. Difficult problem. [0003] In view of this, there is an urgent need for a technical solution suitable for any application that can provide guarantees for user transactions. Contents of the invention [0004] The purpose of the embodiments o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/00G06Q30/06G06Q20/38
CPCG06Q30/01G06Q30/0609G06Q30/0635G06Q20/3821
Inventor 周泉
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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