阅读说明：本技术 一种o2o模式的交易方法及装置 (O2O mode transaction method and device ) 是由 刘开和 于 2018-06-20 设计创作，主要内容包括：本发明公开了一种O2O模式的交易方法及装置,发单服务器获取发单方所发送的挂账订单信息,并获取发单方的账户信息和项目信息；接单服务器获取接单方的账户信息,并接收所述发单服务器上的挂账订单信息；接单服务器根据接单方上传的工作成果发送至所述发单服务器,发单服务器根据所述工作成果完成验收；银行服务器接收发单服务器根据所述发单方的账户信息所形成的订单款项,并根据所述发单服务器发出的支付指令将所述订单款项分两部分转至交易平台和所述接单服务器,所述交易平台收到的款项为交易佣金；避开了互联网O2O交易需要先付备付金才能发单的障碍,且在双方付款交易时也能按预设支付协议进行,提高结算效率。(The invention discloses a transaction method and a device in an O2O mode.A billing server acquires account-hanging order information sent by a billing party and acquires account information and project information of the billing party; the order receiving server acquires account information of an order receiving party and receives account-hanging order information on the order sending server; the order receiving server sends the work result uploaded by the order receiving party to the order sending server, and the order sending server completes acceptance according to the work result; the bank server receives an order payment formed by the issuing server according to account information of the issuing party, and transfers the order payment to a transaction platform and the order receiving server in two parts according to a payment instruction sent by the issuing server, wherein the payment received by the transaction platform is a transaction commission; the barrier that the Internet O2O transaction can be issued only by paying the reserve payment in advance is avoided, and the payment can be carried out according to the preset payment protocol when the two parties pay for the transaction, so that the settlement efficiency is improved.)

1. An O2O mode transaction method, wherein the O2O mode transaction method comprises:

the issuing server acquires account-hanging order information sent by the issuing party and acquires account information and project information of the issuing party;

the order receiving server acquires account information of an order receiving party and receives account-hanging order information on the order sending server; the order receiving server sends the work result uploaded by the order receiving party to the order sending server, and the order sending server completes acceptance according to the work result;

the bank server receives an order payment formed by the issuing server according to account information of the issuing party, and transfers the order payment to a transaction platform and the order receiving server in two parts according to a payment instruction sent by the issuing server, wherein the payment received by the transaction platform is a transaction commission;

the issuing server and the receiving server process the order money according to a preset payment protocol, and the processing method specifically comprises the following steps: the order issuing server pays the order receiving server in turn according to the payment proportion of the preset payment protocol of the two parties, and the multiple payment order sum formed by the payment proportion is equal to the total sum received by the order receiving server;

the supervision server can record and monitor according to the reporting information sent by the order sending server and the order receiving server.

2. The O2O mode transaction method according to claim 1, wherein: the work result comprises a result attachment and settlement information, the settlement information corresponds to the preset payment protocol, and the settlement information comprises account information of an acquirer, a payment proportion and a total amount.

3. The O2O mode transaction method according to claim 1, wherein: and the payment mechanism corresponding to the bank server comprises a commercial bank, a payment treasure and a WeChat.

4. The O2O mode transaction method according to claim 1, wherein: the transaction commission is a preset commission for the transaction platform.

5. An O2O mode transaction device, the O2O mode transaction device comprising:

the issuing module is used for acquiring the account hanging order information sent by the issuing party and acquiring the account information and the project information of the issuing party;

the order receiving module is used for acquiring the account information of the order receiving party and receiving the account hanging order information on the order sending module; the order receiving module sends the work result uploaded by the order receiving party to the order sending module, and the order sending module completes acceptance according to the work result;

the bank module is used for receiving an order payment formed by the issuing module according to the account information of the issuing party and transferring the order payment to a transaction platform and the order receiving module in two parts according to a payment instruction sent by the issuing module, wherein the payment received by the transaction platform is a transaction commission;

the order issuing module and the order receiving module process the order money according to a preset payment protocol, and the processing method specifically comprises the following steps: the order issuing module pays the order receiving module in sequence according to the payment proportion of the preset payment protocol of the two parties, and the multiple payment order sum formed by the payment proportion is equal to the total sum received by the order receiving module;

and the supervision module is used for recording and monitoring according to the reporting information sent by the order sending module and the order receiving module.

Technical Field

The invention relates to the technical field of networks, in particular to a transaction method and device in an O2O mode.

Background

In the transaction of offline subcontracting projects (owner-first party-second party), it often happens that the first party pays the second party subcontracting money in proportion to the "proportion of receiving owner project money", for example: the first party accepts 1000 million projects of the owner, and the first party contracts the sub-projects with the value of 80 million into the second party of the first party in a payment mode of paying in proportion to the proportion of receiving the money of the owner project. When the owner pays 200 ten thousand projects to the first party (20%), the first party pays 16 ten thousand contracts to the second party (20%), and so on, until the owner pays the projects to the first party and the first party pays the contracts to the second party.

Meanwhile, many internet transactions have the embarrassment that a guarantee fund needs to be paid first to issue an order, and the situation that a final payment cannot be made exists when the payment is finally settled, but the existing internet O2O transaction mode is not available at present.

Disclosure of Invention

The invention aims to provide a transaction method and a device in an O2O mode, which avoid the obstacle that an Internet O2O transaction can be issued only by paying a prepared payment in advance, and can be carried out according to a preset payment protocol when both parties pay for the transaction, thereby improving the settlement efficiency.

In order to achieve the purpose, the invention provides the following technical scheme:

an O2O mode transaction method, the O2O mode transaction method comprising:

the issuing server acquires account-hanging order information sent by the issuing party and acquires account information and project information of the issuing party;

the order receiving server acquires account information of an order receiving party and receives account-hanging order information on the order sending server; the order receiving server sends the work result uploaded by the order receiving party to the order sending server, and the order sending server completes acceptance according to the work result;

the bank server receives an order payment formed by the issuing server according to account information of the issuing party, and transfers the order payment to a transaction platform and the order receiving server in two parts according to a payment instruction sent by the issuing server, wherein the payment received by the transaction platform is a transaction commission;

the issuing server and the receiving server process the order money according to a preset payment protocol, and the processing method specifically comprises the following steps: the order issuing server pays the order receiving server in turn according to the payment proportion of the preset payment protocol of the two parties, and the multiple payment order sum formed by the payment proportion is equal to the total sum received by the order receiving server;

the supervision server can record and monitor according to the reporting information sent by the order sending server and the order receiving server.

Further, the work result comprises a result attachment and settlement information, the settlement information corresponds to the preset payment protocol, and the settlement information comprises account information of an acquirer, a payment proportion and a total amount.

Further, the payment mechanism corresponding to the bank server comprises a commercial bank, a payment treasure and a WeChat.

Further, the transaction commission is a transaction platform preset commission.

In another aspect, an O2O mode transaction device, the O2O mode transaction device comprising:

the issuing module is used for acquiring the account hanging order information sent by the issuing party and acquiring the account information and the project information of the issuing party;

the order receiving module is used for acquiring the account information of the order receiving party and receiving the account hanging order information on the order sending module; the order receiving module sends the work result uploaded by the order receiving party to the order sending module, and the order sending module completes acceptance according to the work result;

the bank module is used for receiving an order payment formed by the issuing module according to the account information of the issuing party and transferring the order payment to a transaction platform and the order receiving module in two parts according to a payment instruction sent by the issuing module, wherein the payment received by the transaction platform is a transaction commission;

the order issuing module and the order receiving module process the order money according to a preset payment protocol, and the processing method specifically comprises the following steps: the order issuing module pays the order receiving module in sequence according to the payment proportion of the preset payment protocol of the two parties, and the multiple payment order sum formed by the payment proportion is equal to the total sum received by the order receiving module;

and the supervision module is used for recording and monitoring according to the reporting information sent by the order sending module and the order receiving module.

The invention has the beneficial effects that: a transaction method and apparatus of O2O mode, avoid Internet O2O trade need pay before pay but the obstacle that can issue an order, and can go on according to the agreement of the settlement preserved when both sides pay the trade, raise the settlement efficiency; fully embodies the commercial spirit of're-contract and credit-keeping' on the Internet.

Drawings

Fig. 1 is a flowchart of a method of a transaction method in O2O mode according to an embodiment;

fig. 2 is a structural diagram of an O2O mode transaction apparatus according to a second embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.