AU2020346190A1 - Pledge-payable online transaction system and method - Google Patents

Abstract

A pledge-payable online transaction system and method. The system comprises a member side, a pledge-payable platform, and a pledge-payable online transaction system that are connected by means of an interconnection and intercommunication network. The method comprises using a pledge-payable electronic coin as a pledge object to pledge and pay for a transaction amount, and comprises the steps of pledge-payable online transaction preparation and pledge-payable online transaction. A seller member and a buyer member perform online transaction by means of the pledge-payable platform.

Description

Pledgeable payment online transaction system and method

Field of the invention

The invention relates to the field of online transactions, in particular to a system and

method for pledgeable payment online transaction system.

Background technique

With the development of the Internet, online transactions have increasingly become an

indispensable way of transactions. According to different electronic payment tools used,

online transactions can be divided into two categories: one is online transactions that

use electronic currency recognized or issued by the state (also known as legal tender or

electronic cash) as a payment tool, and the other uses online transactions Electronic

tokens (also known as virtual currencies or digital tokens) issued by payment platform

providers.

The main problems in online transactions that use electronic money as payment tools

are: 1. Online payment security risks. Electronic money and online transaction payment

accounts (also known as electronic accounts or electronic wallets) inherently are

physically inseparable. The innate dependence of electronic money on electronic

accounts, in addition, the instant attribute of transferring electronic money based on

national credit makes the electronic money deposited in the electronic account of online

transaction users face the risk of being stolen or embezzled by cyber criminals at all

times because the cyber-crime prevention technology lags behind the cyber-crime

technology; 2. The risk of online transaction protection. Electronic money inherently has one-way unilateral protection defects, which makes it difficult to protect the interests of the active transaction party. For example, in the online payment-to-shipment transaction mode, the payer (consignee) may face the risks of unable to receive the goods, receiving wrong goods, or receiving fake or low-quality goods;\ in the online transaction mode of cash on delivery, the consignor (payee) may face the risks of no or less payment received after sending the goods.

The main problems of online transactions using electronic tokens as payment tools are:

1. The electronic tokens themselves lack legitimacy. No matter what name the electronic

tokens are issued under, and regardless of the scope of their issuement, they are

inevitably suspected of replacing legal currency as a means of circulation on the Internet,

which is unacceptable by the laws of any sovereign country; 2. The transaction risk is

huge. The sellers of electronic tokens have uneven reputations. There are many illegal

financing in the name of issuing electronic tokens. Moreover, once the electronic token

seller fails to invest or runs away with money, the purchaser will lose all the money.

In September 2017, the Chinese government first determined that raising so-called

"virtual currency" from investors was essentially an unauthorized and illegal public

financing behavior, and decided to close all virtual currency exchanges in China.

To overcome the inherent deficiencies of electronic money in online payment security

and online transaction protection, and to solve the legality of traditional electronic

tokens and reduce transaction risks, following the guidelines of "Internet +" and "Law

+" while on the basis of Internet technology, computer technology and traditional civil

law theory, we have carried out theoretical innovation and method innovation, and invented a pledge that combines the advantages of pledges, equivalents, and pawns pledgeable electronic currency. It' s not limited to electronic forms, it can also be in other forms including physical objects; based on it, we also invented an online pledgeable payment transaction system and a method for pledgeable payment. At present, there is no public information about online transaction systems and methods that use pledgeable electronic currency as pledged material to pledge payment for goods.

Summary of the invention

Based on the problems in the background part, the present invention provides an online

transaction system and a method for pledgeable payment.

A pledgeable payment online transaction system. The pledgeable payment online

transaction system includes: seller member side electronic device, seller member

communication device, seller member side pledgeable payment online transaction

system, buyer member side electronic device, and buyer member communication device,

buyer member side pledgeable payment online transaction system, pledgeable payment

platform and pledgeable payment platform side pledgeable payment online transaction

system. This system is a generalized pledgeable payment online transaction system,

which is connected through an interconnection network The seller member electronic

device and the buyer member electronic device are collectively referred to as member

side electronic device; the seller member communication device and the buyer member

communication device are collectively referred to as member communication device;

the seller member side pledgeable online transactions system and the buyer member

side pledgeable online transaction system are collectively referred to as the member side pledgeable online transaction system; the member side electronic device, the member communication device and the member side pledgeable online transaction system are collectively called the member side; the seller member side electronic device, seller member side communication device, and seller member side pledgeable payment online transaction system are collectively referred to as seller member side, and the buyer member side electronic device, buyer member communication device and buyer member side pledgeable payment online transaction system are collectively referred to as seller member side. The buyer member side and the seller member side are collectively referred to as member side; among them,

The member-side electronic device is equipped with a member-side pledgeable payment

online transaction system, which is used to log in to the pledgeable payment platform,

and engage in pledgeable payment online transactions and related activities through the

pledgeable payment platform;

The member communication device includes: main communication device and backup

communication device, which are used to communicate with the pledgeable payment

platform for member identification information and pledgeable payment identification

information verification communication and pledgeable payment transaction

communication; the backup communication device is also used in Receive information

change or abnormal transaction reminders when the member registration authentication

information or/and the binding information of the pledgeable account changes or

abnormal transactions occur, and handle the changed information or abnormal

transactions;

The seller member side is used for seller members to perform seller membership

registration certification, store certification, and goods quality certification, purchase

pledgeable electronic currency, log in to the pledgeable payment platform, and conduct

pledgeable payment online transactions, etc.;

The buyer member side is used for buyer members to perform buyer membership

registration certification, charity sale items filing, purchase pledgeable electronic

currency, log in to the pledgeable payment platform, and conduct pledgeable payment

online transactions, etc.;

The member-side pledgeable payment online transaction system is used to connect to

the pledgeable payment platform-side pledgeable payment online transaction system,

and is used to send, receive, store and process pledgeable payment online transaction

data messages, and purchase pledgeable payment electronic coins, Log in to the

pledgeable payment platform to conduct pledgeable payment online transactions, etc.;

including: member management module, used for member registration authentication,

opening member permissions, storing, verifying and maintaining member information

and member identification information, and querying public information of registered

members, etc.; The pledgeable payment management module is used for members to

open a pledgeable account, purchase, store, receive and settle pledgeable electronic

currency, issue or sign for pledgeable coupons, and process pledgeable acceptance

redemption, redemption payment or transfer Pledgeable payment, storing, verifying and

maintaining pledgeable electronic currency information, membership pledgeable

payment information and member pledgeable payment identification information, and also used to cut off the path of theft of electronic cash, etc.; store management module/charity store management module, used for Seller members handle store certification, goods quality certification, record for charity sale, accept or place purchase orders or purchase orders, store and maintain store and goods information, or use it for buyer members to record charity sale items and release quality purchase orders Paying orders, accepting or placing purchase orders, storing and maintaining the information of charity store and charity sale items, handling charity store upgrades, etc.; Dispute management module, used for members to apply for the payment of online transaction dispute resolution, and processing the pledgeable payment online For transaction disputes, select expert consultants and appoint one's own adjudicators, execute a pledgeable and effective ruling or apply for a pledgeable and effective ruling, execution and compensation in advance, etc.; after-sales management module for members to provide or accept pledgeable online transaction after-sales service ; Evaluation management module, used for members to evaluate online transactions that can be qualitatively paid;

The pledgeable payment platform, the pledgeable payment online transaction platform,

is the general term for the electronic device and communication device on the

pledgeable payment platform end. The pledgeable payment platform end pledgeable

payment online transaction system is installed for receiving, storing, processing and

Send pledgeable online transaction data messages and communication information, and

provide pledgeable electronic currency purchase and sale, storage, receipt and payment,

undertaking, redemption payment and settlement services; the pledgeable payment platform-side pledgeable payment online transaction system , Including: member management module, used to provide audit, supervision and services for member registration and authentication, opening member permissions, querying public information of registered members, etc., and used to store, verify and maintain member information and member identification information; pledgeable payment management

Module, used to open a pledgeable account for members, purchase, deposit, collect and

settle pledgeable electronic currency, issue or sign for pledgeable ticket, handle

pledgeable acceptance, redemption payment or transfer pledgeable payment, etc.

Provide audit, supervision and services, store, verify and maintain the information of

the pledgeable electronic currency, the member pledgeable information and the member

pledgeable identification information, and are used to report the loss of the pledgeable

property, the pledgeable payment protection or guarantee measures. Possible and

secured property and/or pledgeable secured property simultaneously adopts pre

freezing, freezing or releasing the pre-freezng and freezing measures of pledgeable

payment, etc., and is also used to cut off the path of theft of electronic cash; store

management module (charity store management module), used to provide members

with store certification or charity store upgrades, goods quality certification or charity

sale items filing, placing or receiving pledgeable payment orders or charity sales orders,

etc. to provide audit, supervision and services, store and maintain the store /Promotional

shop and goods/charity sale information, etc.; Dispute management module, used for

members to apply for pledgeable payment online transaction dispute arbitration, deal

with pledgeable payment online transaction disputes, select expert consultants and appoint ones own adjudicator, and execute pledgeable payment Effective rulings or applications can be pledged to provide audit, supervision and services for the execution of effective rulings and advance compensation, etc., and are also used to assist in the execution of effective legal documents with enforceable content by relevant judicial departments and administrative departments; after-sales management module is used for provide audit, supervision and service for members to provide or accept after-sales service of pledgeable online transactions; evaluation management module is used to provide audit, supervision and service for members to conduct pledgeable online transaction evaluation.

The online transaction system for pledgeable payment on the member side and the

online transaction system for payment on the pledgeable payment platform are

collectively referred to as the online transaction system for pledgeable payment. This

system is a narrowly defined online transaction system that connects the member side

and the pledgeable payment platform. Used for members to purchase pledgeable

payment electronic currency, log in to the pledgeable payment platform, conduct

pledgeable payment online transactions, etc., and for members to purchase pledgeable

payment electronic currency, log in to the pledgeable payment platform, conduct

pledgeable payment online transactions, etc. to provide audit, Supervision and service.

Further, the dispute management module also includes: a pledgeable payment report

loss reminder sub-module for members to apply for pledgeable electronic currency to

report loss, recover stolen or lost pledgeable electronic currency, and apply for pledgeable payment for members Electronic currency report loss, recovery of stolen or lost pledgeable electronic currency, etc. Provide audit, supervision and services; the pledgeable payment report loss reminder sub-module includes: the member-side pledgeable payment report loss reminder submodule and the pledgeable payment platform The sub-module of the member-side pledgeable payment report loss reminder; the member-side pledgeable payment report loss reminder sub-module includes: the seller member side pledgeable payment report loss reminder sub-module and the buyer member side pledgeable payment report loss reminder sub-module. The sub-module of the payment platform can report the failure of the payment report;

The sub-module of preservation and guaranty is used for members to apply for

preservation of guaranty and/or to provide preservation of guaranty, etc., and to provide

audit for members to apply for preservation of guaranty and/or provide preservation of

guaranty, etc., Supervision and service, and also used to take the measures of

preservation guarantee and/or guaranteeable guarantee, etc. for the pledgeable property,

the pledgeable property and/or the pledgeable property; the said pledgeable property

And guarantee sub-modules, including: member-side pledgeable payment protection

and guarantee sub-module and pledgeable payment platform-side pledgeable payment

protection and guarantee sub-module; the member-side pledgeable payment protection

and guarantee sub-module, including: seller member side The pledgeable payment

preservation and guarantee sub-module and the buyer member end pledgeable payment

preservation and guarantee sub-module, and the pledgeable payment platform end can

be the pledgeable payment preservation and guarantee sub-module;

Pledgeable effective ruling tracking sub-module, used for members to execute

pledgeable effective rulings or apply for pledgeable effective rulings execution and

advance compensation, etc., and for members to execute pledgeable effective rulings or

apply for pledgeable effective rulings and executions. The provision of review,

supervision and services for advance compensation, etc. is also used to assist in the

execution of effective legal documents with compulsory content from the relevant

judicial and administrative departments; the said sub-module of the effective ruling

tracking sub-module of the pledgeable payment includes: the member-side pledgeable

payment The effective ruling tracking sub-module and the pledgeable payment effective

ruling tracking sub-module on the pledgeable payment platform; the member-side

qualifying effective ruling tracking sub-module includes: the seller member side

pledgeable effective ruling tracking sub-module and the buyer member The pledgeable

payment effective ruling tracking sub-module can be paid on the end, and the pledgeable

payment platform can be pledgeable effective ruling tracking sub-module on the end.

A pledgeable online transaction method. The pledgeable online transaction method

includes the following steps:

Step A: Preparation steps for online pledgeable transactions;

Step B: The online pledgeable transaction steps.

The steps of preparing the online pledgeable transaction include:

Step Al: Log in to the online pledgeable transaction system that can be paid on the

member side, complete the registration authentication, and obtain the registered

membership qualification;

Step A2: Open a pledgeable payment account, purchase pledgeable electronic currency,

and recharge the pledgeable payment account; registered members who have not signed

a two-way multilateral guarantee agreement for pledgeable payment, need to sign a

pledgeable payment for the first time to purchase a pledgeable electronic currency Two

way multilateral guarantee agreement;

Step A3: The seller member will price the goods in legal currency and mark the price in

pledgeable electronic currency; the buyer member will select the goods.

The steps of online pledgeable transaction include:

Step B1: The buyer member places a pledgeable order, and the seller member accepts

the pledgeable order;

Step B2: After the seller member accepts the pledgeable order, the buyer member pays

the seller member the pledgeable electronic currency according to a certain percentage

of the purchase price according to the agreement, and pays the deposit in the form of

pledgeable payment;

Seller members receive a pledgeable deposit; registered members who have not signed

a pledgeable two-way multilateral guarantee agreement, for the first time to receive a

pledgeable electronic currency, need to sign a pledgeable two-way multilateral

guarantee agreement.

Step B3: After receiving the deposit, the seller member sends the goods; after the goods

are delivered, the buyer member receives the goods;

Step B4: After receiving the goods, the buyer member pays the seller member the final

amount of the pledgeable payment; the seller member collects the final amount of the

pledgeable payment;

Step B5: The seller member submits the pledgeable payment transaction record and

other reminders to the pledgeable payment platform to redeem the payment;

After receiving the reminder of the redemption payment, the pledgeable payment

platform will conduct a review of the pledgeable redemption payment; after the review

is passed, it will pay the consideration redemption payment to the seller member on the

due date and redeem the pledgeable electronic currency.

Step B6: The seller member confirms the receipt of the consideration redemption

payment, and the online transaction for pledge payment will end; if the seller member

uses the pledgeable electronic currency collected for a new payment transaction, the

online transaction for pledge payment will end when the pledgeable electronic currency

is successfully pledged for payment; in a broad sense, pledgeable online transactions

also include:

Step B7: Pledgeable payment after-sales service;

Step B8: Pledgeable payment members evaluation;

The above steps for pledgeable online transactions are for pledgeable deposit

transactions. When the pledgeable deposit is zero, the pledgeable deposit transaction is

transformed into a pledgeable cash on delivery transaction; when the pledgeable deposit

is equal to full pledgeable payment, the pledgeable deposit transaction is transformed

into a pledgeable payment to delivery transaction; when the cash value of the pledgeable deposit exceeds the legal deposit maximum limit or is lower than the legal deposit minimum limit (if any), or the nature of the pledged deposit is lost, the pledgeable deposit transaction is transformed into the pledgeable prepayment transaction, the pledgeable installment payment transaction, etc.

The pledgeable online transaction is a new type of online transaction that uses a

pledgeable electronic currency with a pledge payment function as a pledge material to

pledge payment for goods, referred to as pledgeable transaction or pledgeable payment;

the pledgeable payment means It is a new type of online transaction and a new type of

online transaction payment method.

Under the pledgeable payment method, the buyer member purchases the pledgeable

electronic currency from the pledgeable payment platform, and is redeemed, authorized

or permitted by the pledgeable payment platform, with all or part of the pledgeable

electronic currency purchased or received as the pledge Payment of goods, pledge to the

seller member to pay all or part of the payment, and promise or entrust the pledgeable

platform to redeem the payment to the seller member conditionally within the specified

period; the seller member accepts the buyer member to pledge the pledgeable electronic

currency Pledge payment for the goods, and apply to the buyer member or the

pledgeable platform for redemption payment when the conditions are met; the

pledgeable platform, according to a certain ratio of legal currency and pledgeable

electronic currency, sells to the buyer member The pledged electronic currency

promises to conditionally expire the redemption payment within the specified time limit,

and when the conditions are met, pay the redemption payment to the currency holders on the maturity date according to a certain ratio of the pledgeable electronic currency to the legal tender for the redemption of the pledgeable electronic coins.

According to whether the pledgeable electronic currency can be used alone, the

pledgeable online transaction can be divided into the optical currency pledgeable

transaction and the warrant pledgeable transaction. The optical currency pledgeable

transaction refers to only the pledgeable electronic currency. Pledgeable payment

transactions in which the payment of goods is pledged; light coins can be pledged

transactions, and the pledgeable electronic currency does not need to be used with the

pledgeable warrant. It is anonymous, also known as an anonymous pledgeable

transaction; the warrants can be pledged. Transaction refers to a pledgeable payment

transaction in which the pledgeable electronic currency must be used together with the

pledgeable warrant that records the pledgeable electronic currency; the warrant can be

pledged transaction, and the pledgeable warrant records the information of the

pledgeable right holder, also known as Registered and pledgeable transactions;

according to the different pledgeable documents attached to the pledgeable warrants,

warrant pledgeable transactions are divided into documentary pledgeable transactions

and documentary pledgeable transactions; the documentary pledgeable transactions ,

Also known as single currency pledgeable transaction means that the pledgeable

electronic currency must be used together with the pledgeable warrant that records the

pledgeable electronic currency, and the pledgeable documents attached to the

pledgeable warrant are not limited to the pledgeable right The pledgeable payment

transaction of the ticket; the pledgeable payment transaction of the document, and the pledgeable warrant can be used only after being prompted to redeem and obtain the pledgeable payment platform. It is also called the pledgeable payment transaction; the said ticket can be pledged Payment transaction, also called bill currency pledgeable transaction, means that the pledgeable electronic currency must be used together with the pledgeable payment warrant that records the pledgeable electronic currency, and the pledgeable payment document attached to the pledgeable warrant is limited to the pledgeable payment certificate. The pledgeable payment transaction of the payment ticket, the pledgeable payment transaction of the follow-up ticket is a special transaction that can be pledged; the pledged payment transaction of the follow-up ticket can obtain the pledgeable payment platform acceptance without prompting the pledge. It is also known as fast and pledgeable payment transactions. The broadly defined fast and pledgeable payment transactions include light currency pledgeable payment transactions, and the narrowly defined fast and pledgeable payment transactions only refer to the transaction that can be qualitatively paid for bills; There are different ways to purchase electronic money, which are divided into real ticket and pledgeable transaction and letter ticket pledgeable transaction; the real ticket can be pledged transaction, also known as real currency pledgeable payment transaction, refers to the pledgeable payment purchased by the first payment method Electronic currency is a pledgeable payment transaction that is a pledged material to pledge payment for goods; real-currency pledgeable transactions are not limited to actual transactions that can be pledged, but also include light coin pledgeable transactions, etc.; the letter-ticket pledgeable transaction , Also known as credit pledgeable transaction or credit coin pledgeable transaction means that the pledgeable electronic currency purchased in the future payment method is the pledged material pledged payment transaction; according to the different sources of the pledgeable electronic currency, Pledgeable online transactions can also be divided into pledged payment transactions, sub-qualified payment transactions, and mixed pledgeable payment transactions. The pledged payment transaction refers to a pledgeable payment transaction in which the purchased pledgeable electronic currency is used as the pledged material for the payment of goods.;

Pledgeable payment transactions that use the collected anonymous pledgeable

electronic currency as the pledged material to pledge payment for the purchase price are

regarded as pledged payment transactions. The narrowly defined pledgeable payment

transaction only refers to the pledged payment transaction. Among them, the name of a

single purchase can be pledged The payment electronic currency is divided into several

parts, and a pledgeable payment transaction that uses one of them as the pledged

material to pay the purchase price is called a partial pledge transaction; the said transfer

pledgeable payment transaction refers to the registered pledgeable electronic currency

that is collected as the pledged material pledgeable payment transactions for the

payment of goods. Among them, the registered and pledgeable electronic currency

collected in a single time is divided into several parts, and the pledgeable payment

transaction that uses one of them as the pledged material to pay the goods is called

partial transfer pledgeable payment. Transaction; the hybrid pledgeable payment

transaction refers to the pledgeable payment transaction that uses the purchased and

received pledgeable electronic as the pledged material to pledge payment for the goods.

The mixed pledgeable payment transaction also includes, but is not limited to, different

types of pledgeable electronic currency Pledgeable payment transactions in which the

payment of goods is pledged for pledged materials; broadly pledgeable online

transactions include pledged payment transactions, sub-pledged payment transactions

and mixed pledgeable payment transactions; according to the different entities of the

pledgeable electronic currency redemption payment, the pledgeable payment on

transactions can also be divided into self-redeemable and pledgeable transactions and

entrusted and pledgeable transactions; the self-redeemable and pledgeable transactions

refer to buyer members using pledgeable electronic currency as a pledge to pay for the

goods, and they promise to have conditions on their own Pledgeable payment

transactions for redemption payments at maturity; the said pledged and pledgeable

transactions refer to the buyer member using the pledgeable electronic currency as the

pledged material to pay for the goods, and entrust the pledgeable platform to

conditionally redeem the payment at maturity The pledgeable payment transaction; the

pledgeable payment online transaction also includes the negotiation and pledgeable

payment transaction, the negotiation and pledgeable payment transaction refers to the

periodical redemption payment countdown end time adjusted (shortened/extended) to

collect the payment A pledgeable payment transaction with fast payment or delayed

payment of the pledgeable payment electronic currency; among them, by shortening the

end time of the regular redemption payment countdown, the pledgeable payment

transaction that uses the received pledgeable payment currency to quickly pay is called

the fast payment pledgeable payment transaction. Payment transaction; by shortening the end time of the countdown to the regular redemption payment, the pledgeable payment transaction that is quickly paid with the collected pledgeable currency is called the rapid payment and pledgeable payment transaction.

Further, the method may further include an arbitration step of a pledgeable online

transaction dispute, and the arbitration step of a pledgeable online transaction dispute

includes:

Step C1: Application and acceptance for arbitration of pledgeable online transaction

disputes ; if the member in dispute does not apply for pledgeable property preservation

and provide pledgeable property guarantee, the submitted application for arbitration of

pledgeable online transaction will trigger the pledgeable payment preservation and

guarantee sub-module starts the procedures for the preservation and guarantee of the

pledgeable property; if the disputed member applies for the preservation of the

pledgeable property and provides a guarantee for the pledgeable property, the

pledgeable platform accepts the application for arbitration of the pledgeable online

transaction dispute;

Step C2: Dispute judgment on pledgeable online transaction;

Step C3: Pledgeable online transaction dispute ruling review; Pledgeable online

transaction dispute review rulings and pledgeable online transaction dispute rulings that

have not applied for review within the specified time limit are both valid pledgeable

rulings or pledgeable Payment of the effective award; once the pledgeable award

becomes effective, trigger the sub-module of the pledgeable effective ruling tracking

sub-module to start the tracking procedure of the pledgeable effective ruling;

Step C4: Pledgeable online transaction dispute arbitration review; Pledgeable payment

review does not stop the execution of the pledgeable payment effective ruling, nor does

it change the result of the pledgeable payment effective ruling.

Further, the method may further include the steps of execution of the pledgeable

effective judgment and advance compensation, and the steps of the execution of the

pledgeable effective judgment and advance compensation include:

Step D1: The application and acceptance of the pledgeable payment effective ruling

execution and advance compensation;

Step D2: Determine the total amount of the pledgeable execution payment and the total

amount of the pledgeable advance payment;

Step D3: Pay the pledgeable prepayment to the applicant a pledgeable first indemnity

money, recover the pledgeable first indemnity loss from the respondent, and execute the

pledged payment difference (if any); all the pledgeable first indemnity losses are

recovered and the execution of the pledge payment has been fully executed, and the

execution of the pledge may take effect and the execution of the pre -compensation ends.

The online transaction system and method for pledgeable payment provided by the

present invention has the following technical advantages: First, the safety and legality

of online transactions are guaranteed. The present invention uses a pledgeable payment

electronic currency that has a two-way multilateral guarantee function and legality as

an online transaction. The transaction payment tool not only solves the problem of

electronic currency being stolen and misappropriated, but also solves the problem of

one-way unilateral protection of electronic currency and the legality of electronic tokens.

At the same time, pledgeable electronic currency is a quality with a two-way multilateral

guarantee function. Payments are a special object of real rights for security. Not only

are they protected by law, but also the interests of purchasers are also protected by law;

moreover, online transactions that can be pledged are denominated in legal tender,

which protects legal tender in the Internet field. Authority as a statutory payment and

settlement tool. Second, online transactions are convenient, fast, and fully compatible.

For small-value online transactions, you can choose light currency to pay for the

transaction, which is as convenient as using change; for general online transactions, you

can choose to pay for the ticket and to pay for the transaction, which is as fast as a bill

of exchange that pays at sight ; Large-value online transactions can choose single

currency pledgeable transactions, which are regulated like documentary credits;

members who open communications with pledgeable payment authority can also choose

credit-credit pledgeable transactions for later payment methods. At the same time, the

present invention also Compatible with electronic cash transactions, third-party

payment transactions, etc., respect and assist in the implementation of effective legal

documents with enforceable content from relevant judicial and administrative

departments.

Description of the drawings

Fig. 1 shows a schematic diagram of the architecture and main flow of the pledgeable

payment online transaction system provided by an embodiment of the present invention.

Fig. 2 shows a schematic diagram of the process of preparation of online pledgeable

transaction for according to an embodiment of the present invention.

Fig. 3 shows a schematic diagram of the process of online pledgeable transaction

provided by an embodiment of the present invention.

FIG. 4 shows a schematic diagram of the process of pledgeable online transaction

arbitration disputation according to an embodiment of the present invention.

FIG. 5 shows a schematic diagram of the process of the implementation of the

pledgeable payment effective verdict execution and prepaying by the embodiment of

the present invention.

Detailed description

In the following, the pledgeable payment online transaction system and method of the

present invention will be described in further detail with reference to the accompanying

drawings and embodiments.

See Figure 1 for a schematic diagram of the structure and main flow of the pledgeable

payment online transaction system. The pledgeable payment online transaction system

includes: seller member side electronic device 1, seller member communication device

2, seller member side pledgeable payment online transaction system 3, buyer member

side electronic device 4, buyer member communication device 5. The buyer member

side pledgeable payment online transaction system 6, the pledgeable payment platform

7 and the pledgeable payment platform side pledgeable payment online transaction

system 8, which is a broad-based online transaction system for pledgeable payment, and they are connected through an interconnection network; The seller member side electronic device 1 and the buyer member side electronic device 4 are collectively referred to as member side electronic device 1/4; the seller member communication device 2 and the buyer member communication device 5 are collectively referred to as member communication device 2/5; The online transaction system 3 on the seller member side and the online transaction system 6 on the buyer member side are collectively referred to as the online transaction system 3/6; the electronic device on the member side 1/4, and the communication device 2 on the member side. 5 and the member side pledgeable payment online transaction system 3/6 are collectively referred to as the member side 1/2/3/4/5/6; the member side pledgeable payment online transaction system 3/6 and the platform side pledgeable payment online transaction system 8 is collectively referred to as the pledgeable payment online transaction system

3/6/8, which is a narrowly defined pledgeable payment online transaction system; unless

otherwise specified, the pledgeable payment online transaction system referred to in the

present invention refers to a broadly pledgeable payment online transaction system;

among them,

The member side electronic device 1/4 installs the member side pledgeable payment

online transaction system 3/6, which is used to log in to the pledgeable payment

platform, and engage in pledgeable payment online transactions and related activities

through the pledgeable payment platform; the member side electronic device includes,

but is not limited to, computers, televisions, telephones and fixed, mobile, portable or

wearable electronic device such as on-board, ship-borne, and airborne with online transaction functions, and is not limited to member-owned electronic device, pledgeable payment platforms, and special electronic device or self-service electronic device provided by a third party authorized or licensed by the pledgeable payment platform;

The member communication device 2/5 includes: the main communication device 21/51

and the backup communication device 22/52, which are used to verify the

communication of the member identification information and the pledgeable payment

identification information and the pledgeable payment transaction with the pledgeable

payment platform communication, standby communication device is also used to

receive information changes or abnormal transaction reminders when member

registration authentication information or/and pledgeable account binding information

changes or abnormal transactions occur, and process change information or abnormal

transactions; the member communication device, including but not limited to mobile

phones, telephones, emails and other communication devices that can provide instant

messaging services such as text, audio or video;

The online transaction system 3/6 that can be paid on the member side includes: a

member management module 31/61, used for member registration authentication,

opening member permissions, storing, verifying and maintaining member information

and member identification information, and inquiring about the publicity of registered

members information, etc.; the pledgeable payment management module 32/62, used

for members to open a pledgeable account, purchase, deposit, receive and settle

pledgeable electronic currency, issue or sign for pledgeable tickets, and handle

pledgeable payment redemption, redemption payment or transfer pledgeable payment, storage, verification and maintenance of pledgeable electronic currency information, member pledgeable payment information and member pledgeable payment identification information, and also used to cut off the path of electronic cash theft, etc.; store management module 33/ The charity store management module 63 is used for seller members to handle shop certification, goods quality certification, charity sale items filing, accept or place pledgeable purchase orders or pledgeable charity sale orders, store and maintain store and goods information, or for buyer members carrying out the filing of charity sale items, placing purchase orders, accepting or placing purchase orders, storing and maintaining charity store and charity sale item information, handling charity store upgrades, etc.; dispute management module 34/64, used for member to apply online pledgeable transaction dispute rulings, deal with online pledgeable transaction disputes, select expert consultants and appoint one's own adjudicators, execute a pledgeable payment effective ruling or apply for a pledgeable payment effective ruling execution and prepaying, etc.; after-sales management module 35/65, notused by members to provide or receive after-sales service of pledgeable online transactions; evaluation management module 36/66, used for members to evaluate pledgeable online transactions;

The pledgeable payment platform 7, the pledgeable payment online transaction platform,

is the general term for the electronic device and communication device of the pledgeable

payment platform. The pledgeable payment platform side pledgeable online transaction

system 8 is installed for receiving, storing, processing and sending pledgeable online

transaction data messages and communication information, and provide pledgeable electronic currency purchase and sale, storage, receipt and payment, undertaking, redemption payment and settlement services; the pledgeable payment platform is in the existing interconnection network based on the technology and computer technology, an integrated online transaction payment system developed or commissioned by the inventor with registration, authentication, transaction, payment, settlement, adjudication, execution, communication and other functions; a pledgeable payment platform affiliated to the guaranty payment platform provider, and the guaranty payment platform provider or its authorized or licensed professional organization provides management, operation, security and other services; the guaranty payment platform provider sets up as needed, including but not limited to Pledgeable Payment Registration Certification

Center, Pledgeable Payment Recharge Settlement Center, Pledgeable Payment Dispute

Arbitration Center and other service organizations, or authorized or licensed

professional service organizations to engage in pledgeable payment online for members

in the name of the pledgeable payment platform or the pledgeable payment platform

provider. The transaction provides services such as registration and authentication,

recharge settlement, and dispute resolution; the professional service organization may

provide related services in its own name under the authorization or permission of the

pledgeable payment platform provider;

The pledgeable payment platform side pledgeable payment online transaction system 8

includes: a member management module 81, which is used to provide audit, supervision

and services for member registration and authentication, opening member permissions,

querying public information of registered members, etc., and for storing, verifying and maintaining member information and member identification information; the pledgeable payment management module 82 is used to open a pledgeable account for members, purchase, store, receive, and settle pledgeable electronic currencies, and issue or sign for pledgeable tickets , Provide audit, supervision and services for pledgeable undertaking, redemption payment or transfer pledgeable payment, storage, verification and maintenance of pledgeable electronic currency information, member pledgeable payment information and member pledgeable payment identification information, and used for the pledgeable and guaranteed property, the pledgeable and pledgeable property and/or the pledgeable and guaranteed property that adopts the measures of pledgeable preservation or guarantee, the pledgeable pre-freezing, freezing or releasing the pledgeable pre-freezing and freezing measures shall be taken simultaneously, etc., It is also used to cut off the path of theft of electronic cash; the store management module

(charity store management module) 83 is used to process store certification for members

or upgrade the store, goods quality certification or charity sale items, place or receive

orders that can be paid or It can provide audit, supervision and service for purchase

orders, etc., store and maintain information about shops/shops and goods/bazaar items,

etc.; dispute management module 84, used for members to apply for pledgeable payment

for online transaction dispute ruling, and deal with pledgeable payment. Provide audit,

supervision and services for online transaction disputes, selection of expert consultants

and designation of one's own adjudicators, execution of pledgeable effective rulings or

application for pledgeable effective rulings execution and prepaying, etc. It is also used

to assist in the execution of relevant judicial departments and administrations.

Department effective legal documents with compulsory content; after-sales

management module 85, used to provide audit, supervision and service for members to

provide or accept qualitative online transaction after-sales services; evaluation

management module 86, used to provide members with pledgeable payment online

transaction evaluation, etc. provide audit, supervision and services.

The dispute management module 34/64/84 also includes:

The sub-module 341/641/841 for the pledgeable payment report loss reminder sub

module 341/641/841 includes: the member-side pledgeable payment report loss

reminder sub-module 341/641 and the pledgeable payment platform side pledgeable

payment report loss reminder sub-module 841; the member-side pledgeable payment

report loss reminder sub-module 341/641, including: the seller member side pledgeable

payment report loss reminder sub-module 341 and the buyer member side pledgeable

payment report loss reminder sub-module 641, used for the member to report the loss

of the pledgeable electronic currency, and recover the stolen or lost pledgeable

electronic currency; the pledgeable payment platform side of the pledgeable payment

report loss reminder sub-module 841 is used to apply for the member to report the loss

of pledgeable electronic currency, recover stolen or lost pledgeable electronic currency,

etc. to provide audit, supervision and services;

The pledgeable payment preservation and guarantee sub-module 342/642/842, the

pledgeable payment preservation and guarantee sub-module 342/642/842, including the

member side pledgeable payment preservation and guarantee sub-module 342/642 and

the pledgeable payment platform side pledgeable payment preservation and guarantee sub-module 842; the member side pledgeable payment preservation and guarantee sub module 342/642, including: seller member side pledgeable payment preservation and guarantee sub-module 342 and buyer member side pledgeable payment preservation and guarantee sub-module 642, used for members to apply for pledgeable property preservation and/or to provide pledgeable property guarantees, etc.; the pledgeable payment platform side pledgeable payment preservation and guarantee sub-module 842 is used to apply for pledgeable properties for members. Provides auditing, supervision and services for property preservation and/or provision of pledgeable property guarantees. It is also used for pledgeable property preservation and/or pledgeable property guarantees for reported loss of property, pledgeable property and/or pledgeable property. /Or pledgeable guarantee measures, etc.;

The pledgeable payment effective ruling tracking sub-module 343/643/843, the

pledgeable payment effective ruling tracking submodule 343/643/843, including: the

member-side pledgeable payment effective ruling tracking submodule 343/643 and the

pledgeable payment platform submodule 843 for the pledgeable payment effective

ruling tracking on the member side; the member side pledgeable payment effective

ruling tracking sub-module 343/643, including: the seller member side pledgeable

payment effective ruling tracking submodule 343 and the buyer member side pledgeable

payment effective. The ruling tracking sub-module 643 is used for members to execute

the pledgeable and effective rulings or to apply for the execution of the pledgeable and

effective rulings and prepaying; the pledgeable and effective ruling tracking sub-module

843 on the pledgeable payment platform is used for members to provide audit, supervision and services such as the implementation of a pledgeable effective ruling or application for the execution of a pledgeable effective ruling and prepaying, etc. It is also used to assist in the execution of effective legal documents of relevant judicial and administrative departments with enforceable content.

See Figure 2 for a schematic diagram of the process of preparing online transactions for

pledgeable payment. The method includes a preparation step of a pledgeable online

transaction, and the preparation step of a pledgeable online transaction includes:

Step Al: Potential members use 1/4 of the member side electronic device, through the

Internet or other interconnected networks, log in to the member side online pledgeable

payment transaction system 3/6, complete the registration authentication, and obtain the

registered membership; among them, obtain the seller's membership registration, store

certification and goods quality certification are required; the potential members refer to

natural persons, legal persons, or legal persons who intend to accept or have accepted

the pledgeable membership charter and pledgeable rules, have not yet registered, or have

registered but have not yet obtained registered membership qualifications.

Unincorporated organization; the registered member refers to the potential member who

has obtained the registered membership. Except for the registration certification or

transaction, the registered member is presumed to have the corresponding civil capacity

in compliance with the law of the place of registration or transaction.

Member side electronic device 1/4 does not have the member side pledgeable payment

online transaction system installed 3/6, through the pledgeable payment platform or its

authorized or licensed member side pledgeable payment online transaction system download system, download and install the member side online pledgeable payment transaction system; potential members can also purchase electronic device terminal products that are authorized or licensed by the pledgeable payment platform or the pledgeable payment platform provider and pre-installed with the member end payment online transaction system, etc., to obtain membership approval online pledgeable payment transaction system.

Step A2: Registered members open a pledgeable payment account through the 3/6

pledgeable payment management module 32/62 of the member side online pledgeable

payment transaction system; the pledgeable payment platform 7 opens a basic

pledgeable account for registered members, and grant the pledged and redeemable

privileges; if the registered member is a legal person or an unincorporated organization,

and its legal representative or responsible person has opened a pledgeable account, the

legal representative or responsible person shall open a basic personal account that can

be pledged , And grant the pledge and redemption privileges; the pledgeable accounts

can be divided into personal accounts that can be pledged and unit accounts that can be

pledged according to different entities. According to the different types of pledgeable

electronic currencies, they can be divided into pledgeable accounts. Gold coin

pledgeable accounts, silver coins pledgeable accounts, copper coins pledgeable

accounts, iron coins pledgeable accounts, and tin coins pledgeable accounts. According

to different purposes, they can be divided into basic pledgeable accounts and special

pledgeable accounts. According to whether it is registered or not, it can be divided into

a registered pledgeable account and an anonymous pledgeable account. According to different ways of purchasing coins, it can be divided into a pledgeable real currency account and a pledgeable credit currency account. Pledgeable credit currency accounts, also known as pledgeable credit accounts, can be divided into pledgeable local currency accounts and pledgeable foreign currency accounts according to the legal currency used as the basis for pricing. The member privileges include pledgeable transactions and pledge payment, among which, the membership rights of pledge payment transactions are not limited to pledge payment (pledgeable single currency payment), but also include anonymous payment (pledgeable single currency payment), fast payment

(pledgeable tickets) (pledgeable credit), pledgeable credit (pledgeable credit), partial

pledgeable payment, pledgeable sub-qualification, pledgeable partial sub-qualification,

pledgeable self-redemption, pledgeable negotiation, electronic cash payment, third

party payment, etc.After a registered member opens a pledgeable account, pay the fees

to the pledgeable platform provider through online or offline cash, bank transfer or third

party payment, purchase the pledgeable electronic currency, and perform the pledgeable

payment account recharge; the pledgeable payment platform provider will pay the actual

deposit fee, that is, the balance of the payment member's deposit fee deducted from the

handling fee, service fee and other fees, that is, the actual fee charged in accordance

with the legal currency and the pledgeable electronic currency. A certain ratio can be

exchanged into a certain type and amount of pledgeable electronic currency. For

example, 1 RMB will be converted into one Baitao Tongbao silver coin according to

the 1:1 ratio of RMB to Baitao Tongbao silver coin, and it can be qualitative through

the pledgeable payment platform. The pledgeable payment management module 82 of the online transaction system 8 deposits the credit-purchasing member's pledgeable payment account to realize the recharge of the pledgeable payment account; the pledgeable payment electronic currency is not limited to Baitao Tongbao silver coins, but also includes Baitao Tongbao gold coins, Baitao Tongbao copper coins, Baitao

Tongbao iron coins, Baitao Tongbao tin coins and other Baitao Tongbao treasure coins,

as well as other digital products with pledge payment function.

Registered members can also use online or offline payment methods to directly pay

deposit fees to the bank receiving account designated by the pledgeable payment

platform, purchase pledgeable electronic currency, and then log in to the member's

pledgeable online transaction system 3/6 The pledgeable payment management module

32/62 can recharge the pledgeable payment account by itself; it can also be purchased

through methods including but not limited to processing pledgeable payment

membership cards, co-branded cards, credit cards, or purchasing pledgeable payment

shopping cards, rechargeable cards, etc. The pledged electronic currency is used to

recharge the pledgeable account; unless otherwise specified, the pledgeable electronic

currency referred to in the present invention refers to the pledgeable silver coin, and the

pledgeable electronic currency seller, the redeemer, and the redemption payment The

person or the last redemption payer refers to the pledgeable payment platform or the

provider of the pledgeable payment platform.

Registered members who have not signed a pledgeable two-way multilateral guarantee

agreement, for the first purchase of a pledgeable electronic currency, need to sign a

pledgeable two-way multilateral guarantee agreement; if they have signed a pledgeable two-way multilateral guarantee agreement, the pledgeable payment platform will automatically recognize and approve it Purchase a pledgeable electronic currency or recharge a pledgeable account.

Coin-purchasing members can apply for the issuance of a pledgeable payment ticket as

a proof of right to purchase a pledgeable electronic currency. If they have not applied

for the issuance of a pledgeable payment ticket, the purchase of the pledgeable

electronic currency will have a record of the pledgeable payment receipts. The payment

ticket has the same effect.

Step A3: The seller member uses the member side electronic device 1/4 to log in the

member side pledgeable payment online transaction system 3/6 shop management

module 33/charity store management module 63, enter the pledgeable shop, and price

the goods in legal currency. Charity payment electronic currency price; charity sales

members need to complete the charity sale item record before price the charity sale

items; buyer members use the member side electronic device 4/1 to log in the pledgeable

payment online transaction system 6/3 charity store management module 63/shop The

management module 33, enter the mall or shop that can be paid for, and select the goods;

unless otherwise specified, the seller member in the present invention includes the buyer

member who sells charity items, and the buyer member includes the seller who buys the

goods. Members, the so-called charity sale members include buyer members and seller

members who sell charity items, the so-called pledgeable stores include the pledgeable

charity stores, and the goods referred to include services and charity sale items.

Correspondingly, the said payment includes service fees and bazaar prices.

Membership identification information and electronic signature information,

identification password and identity verification information, pledgeable password and

pledgeable payment submitted or generated by potential members in the process of

registration and authentication or registered members in the process of maintaining

member information or pledgeable information The verification information, as well as

the obtained member registration number and pledgeable payment account information

are important member identification information and pledgeable payment identification

information; registered members use the member side electronic device 1/4 to log in to

the pledgeable payment platform or enter the pledgeable payment platform payment

account, you need to enter the member registration number or the pledgeable account

number according to the login page or window, and enter the member identification

information or the pledgeable identification information; the pledgeable platform 7

manually, automatically, or other means identify or verify the pledgeable information;

if the verification is passed, the login is allowed, and the verification success

information is sent to the member's main communication device 21/51/22/52 bound to

the member registration number; the verification fails, the login is refused, and the login

is rejected. The member communication device 21/51/22/52 bound to the member

registration number issues verification failure information. If a registered member

discovers that someone else has used or misappropriated his or her membership

registration number or pledgeable account number to log in to the pledgeable payment

platform or enter the pledgeable payment account without his permission or consent, he

can apply for mandatory withdrawal through the member's alternate communication device 22/52 pledgeable payment platform or pledgeable payment account.

See Figure 3 for a schematic diagram of the online transaction process for pledgeable

payment. The method includes a pledgeable payment online transaction step, and the

pledgeable payment online transaction step includes:

Step B1: After the buyer member selects the goods, use the member side electronic

device 4/1 to log in to the member side pledgeable payment online transaction system

6/3 charity store management module 63/shop management module 33, and place the

pledgeable payment order; It should be noted that the pledgeable payment order in the

present invention includes the pledgeable charity sale order.

After the buyer member places a pledgeable payment order, the seller member logs in

to the online transaction system 3/6 store management module 33/charity store

management module 63 through the member side electronic device 1/4 to accept the

pledgeable payment order; if the seller member does not accept or refuse to accept the

pledgeable order within the stipulated or agreed period, it shall be deemed to have

refused to accept the pledgeable order without reason, that is, the order is rejected

without reason; the seller member has multiple unreasonable return and exchange

records based on the buyer member. Refusing to accept a pledgeable order on the

grounds of unreasonable refusal records, pledgeable infringement breach records,

pledgeable negative review records, failure to perform pledgeable fines, or records of

pledgeable effective ruling obligations, etc., shall not be deemed No reason to reject the

order; the pledgeable order will take effect when the seller member accepts it, and if the

two parties agree that the deposit can be pledged, it will take effect when the buyer member actually delivers the deposit; the effective pledgeable order is binding on both parties .

Before the buyer member places the pledgeable payment order or the seller member

before accepts the pledgeable payment order, he can check the pledgeable payment

certification of the other member through the member side pledgeable payment online

transaction system 6/3 member management module 63/33, Public information such as

pledgeable payment capabilities, pledgeable payment credit, pledgeable payment

disputes, pledgeable payment evaluation, and pledgeable payment after-sales service.

When the buyer member places or the seller member accepts the pledgeable order, the

pledgeable payment platform7 will review its pledgeable online transaction authority;

if the review is passed, the pledgeable order is allowed to be placed or accepted, if the

review fails, it will reject placing or accepting a pledgeable payment order; the said

pledgeable online transaction authority review includes a review of registration

authentication information and an audit of the pledgeable payment capability; the said

registration authentication information review is a check on the member login

information and the member registration number used for the member login. The

member identification information or pledgeable payment identification information

bound to the payment account is checked for consistency; the pledgeable payment

ability review is to check whether the pledgeable electronic currency held by the

member and the pledgeable payment credit line are sufficient, and whether they have

corresponding member privilege to review; members are not exempt from the review of

online transactions that can be pledged, and the pledgeable payment platform is not responsible for the review of online transactions that can be pledged.

Step B2: After the seller member accepts the pledgeable payment order, the buyer

member uses the member-side electronic device 4/1 to enter the member-side

pledgeable payment online transaction system 6/3 pledgeable payment management

module 62/32, and log in to the pledgeable payment account. According to the

agreement, in accordance with a certain proportion of the purchase price, instruct the

pledgeable payment platform 7 to pay the pledgeable electronic currency of a certain

type and amount from its pledgeable account to the seller member's pledgeable account,

and pay the deposit in the form of pledgeable payment; Buyer members who choose to

pay for the bills can also be issued and delivered to the seller members through the

online transaction system 6/3 for the payment management module 62/32 that can be

used for payment. Pledged payment warrants: Buyer members who choose single

currency pledgeable payment must submit the issued pledgeable warrants to the

pledgeable payment platform before delivering the pledgeable warrants to the seller

members, and receive the redemption; if the buyer member chooses part of the pledge

payment, before issuing the pledgeable payment warrant, he also needs to apply to the

pledgeable payment platform to issue the purchaser member as the pledgeable payment

ticket based on the pledgeable payment ticket that records the purchased electronic

currency. The right holder's pledgeable decentralized ticket; if the buyer member partly

pledges payment, before the pledgeable warrant is issued, the pledgeable payment

warrant must be issued to the pledgeable payment platform based on the pledgeable

electronic currency received. Apply for the issuance of a pledgeable decentralized warrant with a buyer member as the pledgeable right holder; if the buyer member has the right to negotiate a pledgeable member, it can be collected by shortening or postponing the end of the regular redemption payment countdown, advance or postponement The pledgeable electronic currency to pay the deposit; the buyer member who chooses to redeem the pledged payment can directly issue the pledgeable warrant to the seller member and promise to redeem the payment conditionally when it expires.

After the pledgeable deposit arrives in the account, the seller member uses the member

side electronic device 1/4 to enter the member-side pledgeable payment online

transaction system 3/6 the pledgeable payment management module 32/62, log in to the

pledgeable payment account, and receive the pledgeable deposit ; Seller members who

accept the pledgeable warrants shall conduct the verification of the pledgeable warrants

within the prescribed or agreed time after receiving the pledgeable electronic currency

and the pledgeable warrants; after the verification, the documents are consistent, the

verification is passed, and the receipt is signed pledgeable warrants; seller members

receive pledgeable electronic currency or sign for pledgeable warrants, triggering the

countdown of pledgeable periodic redemption payments. Seller members shall not

prompt for the redemption payment or before the end of the pledgeable periodic

redemption payment countdown. Transfer of pledgeable payment; registered members

who have not signed a two-way multilateral guarantee agreement on pledgeable

payment, for the first time to receive a pledgeable electronic currency, they need to sign

a two-way multilateral guarantee agreement on pledgeable payment; if they have signed

a two-way multilateral guarantee agreement on pledge payment, the pledgeable payment platform Automatically identify and approve the collection of pledgeable payment electronic coins.

Step B3: After receiving the deposit, the seller member sends the goods according to

the receiving address marked in the order or according to the buyer member's instruction,

and can pay through the online transaction system 3/6 shop management module

33/charity store management module 63, confirm sending the goods. After the goods

are delivered, the buyer members go to the agreed receiving place or the agreed

receiving method, receive the goods, and confirm the receipt through the online

transaction system 6/3 charity store management module 63/shop management module

33 that can be paid by the member side online transaction system; after on-site

inspection and acceptance, if the single goods are inconsistent or the goods have obvious

flaws or/and defects, you can refuse to accept the goods after retaining the evidence,

and pass the member side online transaction system 6/3 charity store management

module 63/shop management Module 33, confirm the refusal to accept the goods.

Step B4: After receiving the goods, the buyer member pays the final payment to the

seller member through the member-side pledgeable payment online transaction system

6/3 pledgeable payment management module 62/32; the two parties agree that the

pledgeable deposit will not be credited. For the purchase price, the pledgeable balance

shall be the full pledged payment, and if the pledgeable deposit is agreed as the purchase

price, the pledgeable balance shall be the remaining amount after the pledged full

payment minus the pledged deposit. After the pledgeable balance arrives in the account,

the seller members can collect the pledgeable balance through the 3/6 pledgeable payment management module 32/62 of the member-side pledgeable online transaction system within the specified or agreed period; the two parties agree that the pledgeable deposit will be credited. For the payment, the pledged payment will be settled after receiving the pledgeable balance. If the pledgeable deposit is not used as the payment, after receiving the pledgeable payment, the pledged payment will be collected within the stipulated or agreed time limit. Pay the deposit and return the buyer member.

Step B5: After the countdown to the regular redemption payment is over, the seller

member submits the pledgeable payment transaction record to the pledgeable payment

platform through the 3/6 pledgeable payment management module 32/62 of the member

side pledgeable payment online transaction system 7 Prompt for redemption payment;

seller members who accept the pledge of warrants to prompt for redemption payment

must also submit the pledgeable warrants and the matching documents during the

delivery period; if the seller member has opened the privileges to negotiate for

redemption, the membership can be pledged. By shortening or postponing the end time

of the countdown for regular redemption payments, the redemption payment is

advanced or delayed; the seller member who accepts the self-redemption pledge

payment directly prompts the buyer member for the redemption payment.

After the pledgeable payment platform receives the reminder of the redemption payment,

it will review the pledged redemption payment within the specified or agreed time limit;

if the seller member submits a pledgeable warrant and other reminder for the redemption

payment, the pledged redemption payment review It also includes the verification of the

pledgeable warrant, and the verification of the pledgeable warrant and the verification of the pledgeable redemption payment are carried out simultaneously; after the verification is passed, the online transaction system of the pledgeable payment platform will be used on the due date 8 The pledgeable payment management module 82 deducts a certain type and amount of pledgeable electronic currency from the seller member's pledgeable account, and pays the consideration redemption money to the seller member designated bank receiving account through the bank payment system. Return the pledgeable electronic currency; then, confirm the redemption payment through the pledgeable payment online transaction system 8 on the pledgeable payment platform 8 and the pledgeable payment management module 82; if the seller member has opened the pledgeable payment membership privilege, it can be shortened Or postpone the time for the redemption payment due, advance or postpone the redemption payment; if the seller member has not fulfilled the obligation to pay the penalty, it will be directly deducted before the redemption payment is paid.

Buyer members who choose self-redemption and pledge payment, after redeeming

payment to the seller member by referring to the warrant pledge payment method, may

prompt the pledge payment platform for the redemption payment according to the

agreement with the pledge payment platform.

Step B6: After the pledgeable electronic currency redemption payment arrives in the

account, the seller member confirms the receipt of the consideration redemption through

the member side pledgeable payment online transaction system 3/6 pledgeable payment

management module 32/62 within the prescribed or agreed period The online

transaction of pledgeable payment ends; after the countdown to the regular redemption payment for pledgeable payment ends, the seller member uses the pledgeable payment electronic currency collected for a new pledgeable payment transaction, then the current pledgeable payment online transaction, It ends when the pledgeable electronic currency is successfully pledged for payment.

Registered members find that others use their membership registration number or

pledgeable account without their permission or consent, log in to the pledgeable

platform or enter the pledgeable account, and engage in pledgeable online transactions,

they can use the member's alternate communication device 22/52, apply for compulsory

suspension of pledgeable transactions; if registered members discover that pledgeable

electronic coins have been stolen or misappropriated, they shall use the member-side

pledgeable online transaction system before the end of the countdown to the regular

redemption payment. 3/6 Dispute management module 34/64, the sub-module 341/641

for reporting the loss of pledgeable payment, apply to the pledgeable payment platform

to report the loss of the pledgeable electronic currency; the registered member applies

for the compulsory suspension of the pledgeable payment transaction or incorrectly

applies for the pledgeable electronic currency. If you misreport the loss and cause losses

to others, you must bear the responsibility for compensation. In a broad sense, the online

transaction that can be paid for quality also includes steps for after-sales service for

payment and evaluation steps for members who can be paid for. The specific steps are

as follows: Step B7: After receiving the goods and in the process ofusing the goods, the

buyer member finds that the goods have obvious quality problems, serious defects or

malfunctions, you can apply for after-sales service to the seller member through the 6/3 after-sales management module 65/35 of the online transaction system 6/3.

If the sold goods do have obvious quality problems, serious defects or malfunctions,

and the return and exchange period is not exceeded, the seller member provides return

or exchange services, and through the member-side pledgeable payment online

transaction system 3/6 after-sales management module 35/ 65. Confirm that after-sales

service is provided; if the return or exchange period is exceeded but the warranty period

is not exceeded, and the return or exchange regulations are met, the return or exchange

service will be provided; if the return or exchange regulations are not met, the

maintenance or other after-sales service will be provided; After the quality guarantee

period, the seller member has the ability to continue to provide after-sales service. If it

can be repaired, it will provide repair services. If it is not repairable but has a value or

an obligation to recover, it can provide discounted recovery, trade-in or other after-sales

services.

During the unreasonable return and exchange commitment period, if the buyer member

applies for unreasonable return or unreasonable exchange, the seller member will

provide unreasonable return or unreasonable exchange services based on the buyer's

membership application.

Step B8: During the entire online transaction process including the after-sales service

process, both parties to the transaction can use the member-side online transaction

system 6/3 evaluation management module 66/63 to give comments to the other party's

online transaction. Good and poor evaluation. The above pledgeable online transaction

step is a pledgeable deposit transaction step. When the pledgeable deposit is zero, the pledgeable deposit transaction is transformed into a pledgeable cash on delivery transaction; when the pledgeable deposit is equal to the pledgeable deposit When the full payment is pledged, the pledgeable deposit transaction is transformed into a pledgeable payment to delivery transaction; when the cash value of the pledgeable deposit exceeds the legal deposit maximum limit or is lower than the legal deposit minimum limit (if any), or loses in the case of the nature of the pledged deposit, the pledgeable deposit transaction is transformed into the pledgeable advance payment transaction, the pledgeable installment payment transaction, etc.

See Figure 4 for a schematic diagram of the process of arbitrating disputes over online

transactions with pledgeable payment. The method may further include an arbitration

step of a pledgeable online transaction dispute, and the arbitration step of a pledgeable

online transaction dispute includes:

Step C1: The disputing member enters the 3/6 dispute management module 34/64 of the

online transaction system 3/6 through the electronic device on the member side, and

submits the application for the arbitration of the online transaction dispute on the

pledgeable payment platform 7. Adjudication of pledgeable online transaction disputes;

members who report a loss can submit the pledgeable electronic currency report loss

application through the pledgeable payment reporting submodule 34/641 of the 3/6

dispute management module 34/64 of the pledgeable online transaction system, which

is deemed to be submitted application for arbitration of online transaction disputes with

pledgeable payment; applicants can hire one or more expert consultants from the

pledgeable payment expert consultant database through the 3/6 dispute management module 34/64 of the pledgeable online transaction system to provide them with consultants, Consultation, agency and other services, and one of the legal advisers can be appointed as its own adjudicator. The disputing member failed to pass the pledgeable payment security and guarantee sub-module 342/642 of the member-side pledgeable payment online transaction system 3/6 Dispute Management Module 34/64 before submitting the application for the arbitration of a pledgeable payment online transaction dispute. If a certain value of pledgeable property applies for pledgeable property preservation and provides a guarantee for the pledgeable property, the submitted pledgeable online transaction dispute ruling application triggers the pledgeable preservation and guarantee sub-module 342/642/842, Initiation of the pledgeable property preservation and guarantee procedures; after the pledgeable platform receives the pledgeable property preservation application and the consideration of the pledgeable property guarantee, it passes through the pledgeable payment platform-side pledgeable online transaction system 8 Dispute management module 84 The pledgeable payment preservation and guarantee sub-module 842 and the pledgeable payment management module 82, for the pledgeable payment preservation property and the guarantee property, while simultaneously adopting the freeze preservation measures of the pledge payment property, at the same time, through the dispute management module 84, accept the payment online transaction dispute adjudication application, informing the respondent to submit a defense or urge the respondent to declare the right to pledge payment within the time limit; the member in dispute shall apply for the preservation of the pledgeable property and provide the pledgeable payment before submitting the application for the dispute judgment of the pledgeable online transaction. If the property is secured, the pledgeable platform adopts pre-freezing protection measures for the pledgeable property and the guaranteed property, and after accepting the pledgeable online transaction dispute ruling application, the pledgeable property pre-freezing will be converted to freezing of pledgeable property; unless otherwise specified, the pledgeable property guarantee in the present invention includes a pledgeable property counter guarantee.

In addition to the applicant's application for the protection of certain pledgeable

properties, priority shall be given to pre-freezing or freezing the pledgeable silver coin

property under the pledgeable account of the respondent, and according to the purchased

pledgeable silver coin and the pledged silver coin. Pledgeable silver coins for settlement

and unsettled pledgeable silver coins shall be pre-frozen or frozen in the order of

pledgeable silver coins; if the respondent holds multiple pledgeable silver coins, priority

shall be given to pre-freezing or freezing the pledgeable standard silver coin property;

the respondent If the holdings of silver coins that can be pledged are insufficient, they

shall be pre-frozen or frozen in the order of pledgeable tin coins, pledgeable iron coins,

pledgeable gold coins, and pledgeable copper coins.

Step C2: After the pledgeable payment platform 7 accepts the application, it selects a

lawyer from the pledgeable expert consultant database as the chief arbiter, and forms a

pledgeable online transaction dispute ruling working group together with the arbitrator

appointed by the disputing member. If an adjudicator is appointed, the difference shall

be selected and made up in the order of the applicant and the respondent recorded in the online dispute ruling application form; the online transaction dispute ruling working group shall be based on the application materials of the disputed member and the defense materials (if any), According to the rules of pledgeable payment, make a ruling on the online transaction dispute of pledgeable payment, and issue a verdict on the dispute of online transaction of pledgeable payment.

If the members of the online transaction dispute adjudication working group fail to agree

with each other, the final opinions shall be determined by voting, according to the

principle of one person, one vote, the minority obeys the majority, and the minority

opinions are retained; if the opinions of the members are equal, the chief adjudicator's

support opinion shall be the final opinion; If the majority opinion of the online

transaction dispute adjudication working group violates the relevant mandatory laws

and regulations, the chief adjudicator shall have the non-renounceable veto power. If

the majority opinion reformed after the chief adjudicator's veto is still in violation of

the relevant mandatory laws and regulations, the chief adjudicator shall be the chief

adjudicator. The opinions supported by the members or the relatively majority opinion

that does not violate the relevant mandatory legal provisions shall be the final opinions.

If the online transaction dispute of pledgeable payment involves non-monetary payment

obligations, the non-monetary payment obligations shall be converted into certain

pecuniary payment obligations in accordance with the principle of performance on

behalf of others; for mutual pecuniary payment obligations, the order of performing the

payment obligations shall be determined; In case of a reminder for reporting a loss, it is

necessary to confirm the validity and ownership of the electronic currency that can be pledged for reporting the loss.

Step C3: If the member in dispute is not satisfied with the online transaction dispute

ruling, he can submit an application for review of the online transaction dispute ruling

through the online transaction system 3/6 dispute management module 34/64 of the

member-side online transaction system within the specified time limit. Online

transaction dispute rulings can be pledged for review.

After receiving the application for review of the disputes on the online transaction of

the pledgeable payment, the pledgeable payment platform 7 selects three to nine senior

expert consultants as adjudicators according to the odd number principle to form a

working group for the review of disputes on the pledgeable online transaction. Among

them, lawyers do not less than 1/3; the chief adjudicator is selected from full-time

lawyers; the online transaction dispute review work group can rely on the pledgeable

online transaction dispute ruling case file, review application materials, and review

defense materials (if any). The payment rules review the online disputes that can be

pledged, and issue a review ruling on the online transaction disputes that can be pledged;

if the review work group for online transaction disputes of the pledgeable online

transaction considers that the original ruling is wrong, it shall be corrected; the original

ruling is considered to be principled or/and professional errors, the original ruling shall

be revoked and a new ruling shall be made; if the original ruling is deemed to be correct,

it shall be maintained.

Pledgeable online transaction dispute verdict and pledgeable online transaction dispute

review verdict, collectively referred to as pledgeable verdict, pledgeable online transaction dispute review verdict, and pledgeable online transaction disputes that have not applied for review within the specified time limit The arbitrations are either valid or pledgeable arbitrations. Once the pledgeable arbitration becomes effective, trigger the pledgeable arbitration tracking sub-module 343/643/843 to start the arbitration tracking procedure.

Step C4: If the member in dispute is not satisfied with the review and ruling opinion of

the online transaction dispute of the pledgeable payment, he can apply to the pledgeable

payment platform 7 through the 3/6 dispute management module 34/64 of the online

transaction system of the pledgeable payment service. ; Disputable members who are

not satisfied with the arbitration opinion of the online transaction disputes may apply

for public discussion of the online transaction dispute arbitration, but shall not apply for

a separate public discussion of the online transaction dispute arbitration of the

pledgeable payment.

After the pledgeable payment platform 7 receives the pledgeable payment online

transaction dispute arbitration application, it collects a certain number of public

discussion member representatives from the enthusiastic members through the dispute

management module 84 of the pledgeable payment online transaction system 8 In

principle, the representatives of the members of the public meeting, the representatives

of the disputed members and the representatives of the adjudicators shall each occupy a

certain proportion, forming a working group for the public discussion and supervision

of the online transaction disputes that can be pledged, and the chief supervisor is

selected from the representatives of the public meeting members.

After the formation of the Pledgeable Online Transaction Dispute Supervision Working

Group, the Pledgeable Online Transaction Dispute Review Verdict will be issued in the

designated area of the Pledgeable Payment Platform or set in the public discussion

column, and the public discussion will be organized. Disputing members apply for the

Pledgeable Online Transaction Dispute. If the arbitration is publicly negotiated, it shall

be issued together with the arbitration of the pledgeable online transaction dispute; after

the expiration of the public discussion period, the result of the public discussion will be

confirmed by the pledgeable online transaction dispute review supervisory working

group and published on the pledgeable platform; If members of the online transaction

dispute public discussion supervision working group disagree on the results of the public

discussion, they shall be determined by voting, according to the principle of one person,

one vote, the minority obeys the majority, and the minority opinion is retained. If the

opinions of the members are equal, the chief supervisor's support opinion shall be the

final opinion.

Pledgeable public discussion does not stop the execution of the pledgeable ruling, nor

does it change the result of the pledgeable ruling.

Refer to Figure 5 for the flow diagram of the pledgeable prepaying compensation and

the execution of the effective ruling. The online transaction method for pledgeable

payment may also include the steps of execution of the pledgeable payment effective

ruling and prepaying, and the steps of the execution of the pledgeable payment effective

ruling and prepaying include:

Step D1: After the pledgeable payment award comes into effect, the registered member

who assumes the obligation to determine the pledged payment effective ruling has failed

to pass the pledgeable payment of the 3/6 dispute management module 34/64 of the

member-side pledgeable payment online transaction system within the specified time

limit. The effective ruling tracking sub-module 343/643, who fulfills the obligation to

determine the effective ruling of the pledgeable payment, the registered members who

have the right to determine the effective ruling of the pledgeable payment shall pass

through the member-side pledgeable online transaction system 6/3 dispute management

module within the specified time limit The sub-module 643/343 of 64/34's pledgeable

payment effective ruling tracking sub-module, apply to the pledgeable payment

platform 7 for the execution of the pledgeable payment effective ruling and prepaying.

The pledgeable payment platform 7 accepts the application through the pledgeable

payment effective ruling tracking sub-module 843 of the dispute management module

84 of the pledgeable payment platform-side pledgeable payment online transaction

system 8 within the prescribed time limit.

Step D2: After the pledgeable payment platform 7 accepts the application, it shall

determine the total amount of monetary payment, the total amount of unfulfilled

monetary payment, and the total amount of execution money applied by the applicant

according to the principle of "lower, no higher" according to the effective ruling of

pledgeable payment. The total amount of execution payment that can be pledged, and

the total amount of the pledgeable advance payment is determined based on the total

amount of the order in dispute that can be pledged, the total amount of the pledged property that the applicant has preserved or obtained guarantees, and the total amount of the confirmed execution payment that can be pledged; The total amount of execution payment and the total amount of pledged first compensation shall be determined after confirmation by the applicant.

Step D3: After the total amount of the pledgeable payment is determined, the pledgeable

payment platform 7 pays the pledgeable payment to the applicant through the pledgeable

payment online transaction system 8 and the pledgeable payment management module

82 to the applicant. Pledgeable two-way multilateral guarantee agreement obligations,

complete the pledgeable payment and compensate first; then, exercise the right of the

pledgeable two-way multilateral guarantee agreement, and directly deduct the

consideration and pledgeable property from the pledgeable property that is preserved or

provided by the respondent. If the property is to be paid, the pledgeable first indemnity

loss shall be recovered from the respondent; if the pledged property that the respondent

has been preserved or guaranteed is insufficient, the insufficiency shall be collected

from the respondent and the guarantor in the order of the respondent and the guarantor.

Direct deductions under the guaranty payment account.

If the determined pledgeable advance payment is lower than the determined pledgeable

execution payment total, the difference will be directly deducted from the pledgeable

property that the respondent has been preserved or provided; the respondent is preserved

or provided a guarantee If the pledgeable property is not enough to pay the performance

balance of the pledgeable property, the difference shall be deducted from the additional

or applied for pledgeable property preservation after the applicant adds or applies for the pledgeable property preservation; the respondent is deducted If the pledged property that is preserved or provided as a guarantee is not sufficient to pay the pledgeable first loss and the pledgeable difference execution payment, it shall be implemented in accordance with the principle that the pledged first compensation loss shall have priority over the pledgeable difference execution payment; All losses have been recovered and the execution of the pledged payment has been fully executed, and the execution of the pledged judgment and the first compensation have ended.

The above are only the embodiments of the present invention, which are intended to

help understand the essential spirit, basic principles and core ideas of the present

invention, and should not be construed as limiting the present invention; moreover, for

those of ordinary skill in the art, it is not under the premise of deviating from the spirit,

principle and idea of the present invention, the specific implementation and the scope

of application have areas that can be modified, replaced, improved, combined,

simplified, and modified. All these modifications, substitutions, improvements,

combinations, simplifications and modifications are should be regarded as an equivalent

replacement method and included in the protection scope of the present invention.

Claims (33)

Claims:

1. A pledgeable payment online transaction system, which is characterized in that the

system includes: a member side, a pledgeable payment platform, and a pledgeable

payment online transaction system, which are connected through an interconnection

network, the system is a generalized pledgeable payment online transaction system.

2. A pledgeable payment online transaction system according to claim 1, characterized

in that: the member side includes a member side electronic device, and the member side

electronic device is equipped with a member side pledgeable payment online transaction

system for logging in pledgeable payment platform, purchase pledgeable payment

electronic coins, conduct pledgeable payment online transactions, etc.; the member side

electronic device includes seller member electronic device and buyer member electronic

device, and the member side pledgeable payment online transaction system Including

the online transaction system for seller member-side pledgeable payment and the online

transaction system for buyer member-side pledgeable payment.

3. A pledgeable payment online transaction system according to claim 1, wherein the

member side further comprises a member communication device, and the member

communication device includes a seller member communication device and a buyer

member communication device, including: The main communication device and the

backup communication device are used to communicate with the pledgeable payment

platform for member identification information and pledgeable payment identification

information verification communication and pledgeable payment transaction

information communication; the backup communication device is also used to register authentication information or/and When the binding information of the payment account changes or abnormal transactions occur, receive information change or abnormal transaction reminders, and handle the changed information or abnormal transactions.

4. A pledgeable payment online transaction system according to claim 1, wherein the

member side includes a seller member side, and the seller member side includes a seller

member side electronic device, a seller member communication device, and the online

transaction system for seller member-side pledgeable payment is used for seller

members to conduct seller membership registration certification, store certification, and

goods quality certification, purchase pledgeable electronic currency, log in to the

pledgeable payment platform, and conduct online transactions with pledgeable payment,

etc.

5. A pledgeable payment online transaction system according to claim 1, wherein the

member side includes a buyer member side, and the buyer member side includes a buyer

member side electronic device, a buyer member communication device, and the online

transaction system for buyer member-side pledgeable payment is used for buyer

members to perform buyer membership registration and certification, record of charity

sales item, purchase pledgeable payment electronic currency, log in to the pledgeable

payment platform, and conduct online transactions with pledgeable payment, etc.

6. A pledgeable payment online transaction system according to claim 1, characterized

in that: the member side includes a member side pledgeable payment online transaction

system, and the member side pledgeable payment online transaction system includes a

seller member-side pledgeable payment online transaction system, The transaction system and the online transaction system of the buyer member-side pledgeable payment are used to connect the pledgeable payment platform-side and pledgeable payment online transaction system, and are used to send, receive, store and process the online transaction data messages of the pledgeable payment, and the purchase pledgeable electronic currency, log in to the pledgeable payment platform, conduct online transactions pledgeable payment, etc.

7. A pledgeable payment online transaction system according to claim 1, wherein the

member side includes:

Member management module, used for member registration and authentication,

opening member permissions, storing, verifying and maintaining member information

and member identification information, querying public information of registered

members, etc.; pledgeable payment management module, used for members to open a

payment account, purchase, deposit, receipt and pay and settle of pledgeable electronic

currency, issue or sign for pledgeable tickets, handle pledgeable redemption, redemption

payment or transfer pledgeable payment, store, verify and maintain pledgeable

electronic currency information and membership pledgeable payment information and

member pledgeable payment identification information, It is also used to cut off the path

of theft of electronic cash, etc.; store management module/charityshop management

module, used for seller members to handle store certification, goods quality certification,

charity sale item filing, acceptance or Placing pledgeable payment orders or pledgeable

paymentsales orders, storing and maintaining store and goods information, or for buyer

members to record charity sales items, placing quality-payable orders, accepting or placing quality-payable charity sales orders, storage and maintenance obligations

Information about charity store and charity sale items, handle upgrades for charity stores,

etc.; Dispute management module, used for members to apply for arbitration of online

transaction disputes that can be pledged, deal with online transaction disputes that can

be qualitatively paid, select expert consultants and appoint one's own adjudicators, and

execute the arbitration payment effective rulings or application for pledgeable payment

effective ruling execution and pre-compensation, etc.; after-sales management module

for members to provide or accept after-sales service for pledgeable online transactions;

evaluation management module for members to evaluate online transactions with

pledgeable payment.

8. A pledgeable payment online transaction system according to claim 1, characterized

in that: the pledgeable payment platform, namely the pledgeable payment online

transaction platform, is a general term for electronic device and communication device

on the pledgeable payment platform,the pledgeable payment platform installs the

pledgeable payment platform-side pledgeable payment online transaction system, which

is used to receive, store, process and send the pledgeable payment online transaction

data messages and communication information, and provide the purchase, sale, storage,

receipt redemption payment and settlement services of pledgeable electronic currency,;

including:

the member management module ,which is used to provide audit, supervision and

services for member registration and authentication, opening member permissions,

querying public information of registered members, etc., and used to store, verify and maintain member information and member identification information; the pledgeable payment management module, which is used to open a pledgeable payment account for members, purchase, deposit, receipt and pay and settle pledgeable payment electronic currency, issue or sign for pledgeable tickets, and provide audit,verification, supervision and service for pledgeable pledge redemption, redemption payment or transfer pledgeable payment, storage, verification and maintenance of pledgeable payment electronic currency information, member pledgeable payment information and member pledgeable payment identification information, and used to report loss of property and pledgeable payment for pledgeable payment that adopts payment preservation or guarantee measures pre-freeze, freeze or release the pre-freeze and freeze measures of the pledged property and/or pledgeable property, and also used to cut off the path of theft of electronic cash; store management module (charity store management module) , used to provide audit, supervision and service for members to handle store certification or charity store upgrades, goods quality certification or charity sale items filing, place or receive pledgeable payment orders or charity sales orders, etc., provide audit, supervision and service, store and maintain the store / charity store And goods/charity sale items information, etc.; Dispute management module, used for members to apply for pledgeable payment online transaction dispute rulings, deal with pledgeable payment online transaction disputes, select expert consultants and appoint one's own arbitrators, execute pledgeable payment effective rulings or the application can be pledged to provide audit, supervision and services for the execution of effective rulings and compensation in advance, It is also used to assist in the execution of effective legal documents with compulsory content from the relevant judicial and administrative departments; the after-sales management module,which is used to provide members with or accept the after-sales service of pledgeable payment online transactions to provide audit, supervision and services; the evaluation management module, which is used to provide audit, supervision and services for members to conduct pledgeable payment online transaction evaluations.

9. A pledgeable payment online transaction system according to claim 1, characterized

in that: the pledgeable payment online transaction system includes a member-side

pledgeable payment online transaction system and a pledgeable payment platform-side

pledgeable payment online transaction system, the system is a narrowly defined online

transaction system that can be used for pledgeable payment, It connects the member

side and the pledgeable payment platform for members to purchase pledgeable payment

electronic currency, log in to the payment platform, conduct online transactions for

pledgeable payment, etc., and provide audit, supervision and services for members to

purchase pledgeable payment electronic currency, log in to the payment platform,

conduct payment online transactions.etc., including:

Member management module, used for member registration and authentication,

opening member permissions, storing, verifying and maintaining member information

and member identification information, querying public information of registered

members, etc., and provides auditing, supervision and services for members'registration

and authentication, opening membership privileges and querying public information of

registered members, and it also used for storing, verifying and maintaining member information and member identification information; the pledgeable payment management module, which is used for members to open a pledgeable payment account, purchase, deposit, receive and pay and settle pledgeable electronic currency, issue or sign for pledgeable payment tickets, handle pledgeable payment commitments, redemption payments or transfer pledgeable payments, store, verify and maintain pledgeable payment electronic currency information, member pledgeable payment information and member pledgeable payment identification information, and also used to cut off the path of electronic cash theft, etc., and provide audit, supervision and services for members to open pledgeable account , purchase, deposit, receive and settle pledgeable electronic currency, issue or sign for pledgeable tickets, and handle pledgeable commitments, provide audit redemption payment or transfer pledgeable payment, store, verify and maintain pledgeable electronic currency information, member pledgeable payment information and member pledgeable payment identification information, and for simultaneous pledgeable pre-freeze, freeze or release pledgeable pre-freeze, freeze measures, etc. of pledgeable reported lost property, pledgeable preserved property and/or pledgeable secured property for which pledgeable preservation or security measures are taken, and also for cutting off the path to theft of electronic cash ; store management module or/and charity store management module, used for seller members to handle store certification, goods quality certification, charity sale items filing, accepting or placing qualitatively paidorders or qualitatively paid charity store order, storeing and maintaining the store and goods information, or used for buyer members for charity sales items filing, placeing qualitatively paid orders, accepting or placing qualitatively paidable charity store orders, storing and maintaining charity store and charity store items information, handle charity store upgrades, etc., and to provide audit, supervision and services for members to certify the store or upgrade the store of a charity store, certify the quality of goods or record the charity sale items, place or receive qualitatively payable orders or qualitatively payable charity sale orders, store and maintain store/charity store and goods/charity items information etc.; dispute management module, which is used for members to apply for pledgeable online transaction dispute ruling, deal with pledgeable online transaction disputes, select expert consultants and appoint one's own arbitrators, execute pledgeable payment effective rulings or apply for pledgeable payment effective enforcement of awards and compensation in advance, etc., and provide audit, supervision and services for members to apply for the arbitration of pledgeable online transaction disputes, handle the online transaction disputes of pledgeable payment, select expert consultants and appoint one's own adjudicators, execute the pledgeable payment effective ruling or apply for the pledgeable payment effective adjudication enforcement and advance compensation, etc., provide audit, it is also used to assist in the execution of effective legal documents of relevant judicial and administrative departments with compulsory enforcement content; after-sales management module is used for members to provide or accept after-sales service for pledgeable payment online transaction, and provide audit, supervision and service for members to provide or accept after-sales service for pledgeable payment online transaction ; evaluation management module, which is used for members to conduct pledgeable payment online transaction evaluation, and Provide audit, supervision and service for members to conduct pledgeable payment online transaction evaluation .

1O.A pledgeable payment online transaction system according to claim 7, claim 8, and

claim 9, characterized in that: the dispute management module further includes a

pledgeable payment report loss reminder sub-module for members to apply for the loss

of the pledgeable payment electronic currency report , recover the stolen or lost

pledgeable electronic currency, and provide audit, supervision and services for the

member to apply for the pledgeable electronic currency to report the loss, and to recover

the stolen or lost pledgeable electronic currency; the pledgeable payment report loss

reminder sub-module includes the pledgeable payment report loss reminder sub

module on the member side and the pledgeable payment report loss reminder sub

module on the pledgeable payment platform side, the pledgeable payment report loss

reminder sub-module on the member side includes a pledgeable payment report loss

reminder sub-module on the seller member side and a the pledgeable payment report

loss reminder sub-module on the buyer member side.

11. A pledgeable payment online transaction system according to claim 7, claim 8, and

claim 9, characterized in that: the dispute management module further includes a

pledgeable payment preservation and guarantee sub-module for members to apply for

pledgeable payment property preservation and/or provision of pledgeable property

guarantees, etc., and provide audit, supervision and services for members to apply for

pledgeable property preservation and/or provision of pledgeable property guarantees, it

is also used for pledgeable preservation and/or pledgeable security measures on pledgeable lost property, pledgeable preserved property and/or pledgeable secured property, etc., the pledgeable payment preservation and guarantee sub-module includes the pledgeable payment preservation and guarantee sub-module on the member side and pledgeable payment preservation and guarantee sub-module on the pledgeable payment platform side, the pledgeable payment preservation and guarantee sub-module on the member side includes a pledgeable payment preservation and guarantee sub-module on the seller member side and a pledgeable payment preservation and guarantee sub module on the buyer member side.

12. A pledgeable payment online transaction system according to claim 7, claim 8, and

claim 9, wherein the dispute management module further includes a pledgeable payment

effective ruling tracking sub-module for members to perform pledgeable payment

effective rulings or applications for pledged effective ruling execution and advance

compensation, etc., and provide audit, supervision and services for members to execute

pledgeable effective rulings or apply for pledgeable effective rulings execution and

advance compensation, etc., and are also used to assist related parties the judicial

department or the administrative department executes effective legal documents with

enforceable content; the pledgeable payment effective ruling tracking sub-module

includes the member-side pledgeable payment effective ruling tracking sub-module and

the pledgeable payment platform side pledgeable payment effective ruling tracking sub

module , the member-side pledgeable payment effective ruling tracking sub-module

includes the seller member side pledgeable payment effective ruling tracking sub

module and the buyer member side pledgeable payment effective ruling tracking sub- module.

13. A pledgeable online transaction method, characterized in that: the method is a new

online transaction method that uses pledgeable electronic currency with pledge payment

function and two-way multilateral guarantee function as pledge material to pledge

payment for goods, referred to as pledgeable transactions or pledgeable payment,

including the following steps:

Step A: Preparation steps for online pledgeable transactions;

Step B: The online pledgeable transaction steps.

14. A pledgeable online transaction method according to claim 13, wherein the

preparation step for online pledgeable transaction includes:

Step Al: Log in to the online pledgeable transaction system on the member side,

complete the registration authentication, and obtain the registered membership

qualification;

Step A2: Open a pledgeable payment account, purchase pledgeable electronic currency,

and recharge the pledgeable payment account; registered members who have not signed

a two-way multilateral guarantee agreement for pledgeable payment, need to sign a

pledgeable payment for the first time to purchase a pledgeable electronic currency Two

way multilateral guarantee agreement;

Step A3: The seller member will price the goods in legal currency and mark the price in

pledgeable electronic currency; the buyer member will select the goods.

15. A pledgeable online transaction method according to claim 13, wherein the step of

online pledgeable transaction includes:

Step B1: The buyer member places a pledgeable order; the seller member accepts the

pledgeable order;

Step B2: After the seller member accepts the pledgeable order, the buyer member pays

the seller member the pledgeable electronic currency according to a certain percentage

of the purchase price according to the agreement, and pays the deposit in the form of

pledgeable payment;

Seller members receive a pledgeable deposit; registered members who have not signed

a pledgeable two-way multilateral guarantee agreement, for the first time to receive a

pledgeable electronic currency, need to sign a pledgeable two-way multilateral

guarantee agreement;

Step B3: After receiving the deposit, the seller member sends the goods; after the goods

are delivered, the buyer member receives the goods;

Step B4: After receiving the goods, the buyer member pays the seller member the final

amount of the pledgeable payment; the seller member receives the final amount of the

pledgeable payment;

Step B5: The seller member submits the pledgeable payment transaction record and

other reminders to the pledgeable payment platform to redeem the payment;

After receiving the reminder of the redemption payment, the pledgeable payment

platform will conduct a review of the pledgeable redemption payment; after the review

and approval, it will pay the consideration redemption payment to the seller member on

the due date and redeem the pledgeable electronic currency;

Step B6: The seller member confirms the receipt of the consideration redemption payment, and the online transaction for pledge payment will end; if the seller member uses the pledgeable electronic currency collected for a new payment transaction, the online transaction for pledge payment will end when the pledgeable electronic currency is successfully pledged for payment;

The above steps for pledgeable online transactions are for pledgeable deposit , when the

pledgeable deposit is zero, the pledgeable deposit transaction is transformed into a

pledgeable cash on delivery transaction; when the pledgeable deposit is equal to full

pledgeable payment, the pledgeable deposit transaction is transformed into a pledgeable

payment to delivery transaction; when the cash value of the pledgeable deposit exceeds

the legal deposit maximum limit or is lower than the legal deposit minimum limit (if

any), or 1 the nature of the pledged deposit is lost, the pledgeable deposit transaction is

transformed into the pledgeable prepayment transaction, the pledgeable installment

payment transaction, etc.

16. A pledgeable online transaction method according to claim 13, characterized in that:

the method may further include an arbitration step of pledgeable online transaction

disputes, and the arbitration step of pledgeable online transaction disputes includes:

Step C1: Application and acceptance for arbitration of pledgeable online transaction

disputes ; if the member in dispute does not apply for pledgeable property preservation

and provide pledgeable property guarantee the submitted application for arbitration of

pledgeable online transaction will trigger the pledgeable payment preservation and

guarantee sub-module to start the procedures for the preservation and guarantee of the

pledgeable property; the pledgeable payment platform accepts the pledgeable online transaction dispute arbitration application after the pledgeable property preservation measures are taken for the pledgeable preservation and the guaranteed property;

Step C2: Dispute judgment on pledgeable online transaction ;

Step C3: Pledgeable online transaction dispute ruling review; Pledgeable online

transaction dispute review rulings and pledgeable online transaction dispute rulings that

have not applied for review within the specified time limit are both valid pledgeable

rulings or pledgeable Payment of the effective arbitration, once the pledgeable

arbitration becomes effective, trigger the pledgeable payment effective arbitration

tracking sub-module to start the pledgeable payment effective arbitration tracking

procedure;

Step C4: Pledgeable online transaction dispute arbitration discussion; the pledgeable

payment discussion does not stop the execution of the pledgeable ruling does not change

the result of the pledgeable ruling.

17. A pledgeable online transaction method according to claim 13, characterized in that:

the method may further include a step of executing a pledgeable payment effective

ruling and pre-compensation, and the step of executing a pledgeable payment valid

ruling and pre-compensation includes:

Step D1: The application and acceptance of the pledgeable payment effective ruling

execution and advance compensation;

Step D2: Determine the total amount of the pledgeable execution payment and the total

amount of the pledgeable advance payment;

Step D3: Pay the pledgeable prepayment to the applicant, recover the pledgeable first indemnity loss from the respondent, and execute the pledged payment difference (if any); all the pledgeable first indemnity losses are recovered and the execution of the pledge payment has been fully executed, and the execution of the pledge may take effect and the execution of the pre-compensation ends.

18. A pledgeable online transaction method, characterized in that: the pledgeable online

transaction includes a mere coin pledgeable payment transaction, and the mere coin

pledgeable payment transaction refers to only pledgeable electronic currency as a

pledged payment material pledgeable payment transactions for goods, mere coins

pledgeable payment transactions, and pledgeable electronic currency can be used alone

without being used with a pledgeable warrant,it is anonymous, also known as

anonymous pledgeable payment transactions.

19. A pledgeable online transaction method, characterized in that: the pledgeable online

transaction includes a warrant pledgeable transaction, and the warrant pledgeable

transaction means that a pledgeable transaction in which the pledgeable electronic

currency must be used together with the pledgeable warrants recording the pledgeable

electronic currency, a warrant pledgeable transaction in which the pledgeable warrant

records information of the pledgeable owner also known as the registered pledgeable

transaction.

20. A pledgeable online transaction method according to claim 19, characterized in that:

the warrant pledgeable payment transaction includes a documentary pledgeable

payment transaction; the documentary pledgeable payment transaction is also called a

single currency pledgeable payment transaction,it means that the pledgeable electronic currency must be used together with the pledgeable warrant that records the pledgeable electronic currency, and the pledgeable document attached to the pledgeable warrant is not limited to the pledgeable transaction of the pledgeable warrant, and documentary pledgeable transactions, in which the pledgeable warrants can only be used after being prompted to redeem and obtain the pledged platform for redemption, also known as pledgeable transactions.

21. The online transaction method of pledgeable payment according to claim 19,

characterized in that: the warrant pledgeable payment transaction further comprises a

ticket-currency pledgeable payment transaction, the ticket-currency pledgeable

payment transaction is also called a transaction that can be pledged for bill

payment,which means that the pledgeable electronic currency must be used together

with the pledgeable warrant that records the pledgeable electronic currency, and the

pledgeable document attached to the pledgeable warrant is limited to the pledgeable

transaction of the pledgeable warrant, ticket-currency pledgeable payment transactions

are special documentary pledgeable transactions; ticket-currency pledgeable payment

transactions, in which the pledgeable warrants can be pledged on the pledged platform

without prompting for pledge, also known as fast pledgeable transactions.

22. The online transaction method for pledgeable payment according to claim 21,

characterized in that: the ticket-currency pledgeable payment transaction includes a real

ticket pledgeable transaction, and the ticket-currency pledgeable payment transaction is

also known as real currency pledgeable payment transactions, refers to ticket-currency

pledgeable payment transaction in which the pledgeable electronic currency purchased by the method of prepayment as a pledged material to pledge payment for the goods; real currency pledgeable transactions are not limited to real-ticket pledgeable transactions, but also include mere coin pledgeable payment Transactions etc.

23. The online transaction method for pledgeable payment according to claim 21,

characterized in that: ticket-currency pledgeable payment transaction also includes a

credit note pledgeable transaction, and the credit note pledgeable transaction, which is

also called credit pledgeable transaction, or credit-currency pledgeable transaction,

refers to a ticket-currency pledgeable payment transaction in which the pledgeable

electronic currency purchased in the future payment method is a pledged material to

pledge payment for goods.

24. A pledgeable online transaction method, characterized in that: the pledgeable online

transaction includes a pledged payment transaction, and the pledged payment

transaction refers to a online pledgeable payment transactions in which the purchased

pledgeable electronic currency is used as the pledged material to pledge payment for the

goods; a pledgeable payment transactions in which the payment for the goods is secured

by the anonymous pledgeable electronic coins received is considered a pledge payment

transaction.

25. The online transaction method for pledgeable payment according to claim 24,

wherein the pledgeable payment transaction includes a partial pledgeable payment

transaction, and the partial pledgeable payment transaction refers to a pledge transaction

in which a single purchase of registered pledgeable electronic currency is divided

into several parts,and one of them is used as a pledge to pay for the goods.

26. A pledgeable online transaction method, characterized in that: the pledgeable online

transaction includes a transfer pledged payment transaction, and the transfer pledged

payment transaction refers to the pledgeable transaction in which the payment for the

goods is secured by a pledge of the registered pledgeable electronic currency received.

27. The online transaction method for pledgeable payment according to claim 26,

characterized in that: the transfer pledged payment transaction includes partial transfer

pledgeable payment, and the partial transfer pledgeable payment refers to dividing the

registered and pledgeable electronic currency received at a single time into several parts,

and using one of them as a pledge to pay for the goods as a pledgeable transaction is

called a partial transfer pledge payment transaction.

28. A pledgeable payment online transaction method, characterized in that: the

pledgeable payment online transaction includes a mixed pledgeable payment transaction,

and the mixed pledgeable payment transaction refers to the purchase and receipt of

pledgeable electronic currency as a pledged payment material pledgeable payment

transactions for goods, and the mixed pledgeable payment transactions also include, but

are not limited to, pledgeable payment transactions in which different types of

pledgeable electronic currencies are used as pledge materials to pledge payment for

goods.

29. A pledgeable online transaction method, characterized in that: the pledgeable online

transaction includes a self-redemption pledgeable transaction, and the self-redemptible

pledgeable transaction buyer member uses pledgeable electronic currency as a pledged

substance to pledge payment for the goods, and promise by itself a pledgeable payment transaction with a conditional maturity redemption payment.

30. A pledgeable online transaction method, characterized in that: the pledgeable online

transaction includes a pledged pledgeable transaction, and the pledged pledgeable

transaction means that the buyer member uses the pledgeable electronic currency as the

pledged object pledge payment for goods, and entrust a pledgeable platform to redeem

the payment with conditions on maturity.

31. A pledgeable payment online transaction method, characterized in that: the

pledgeable payment online transaction includes a negotiated pledgeable payment

transaction, and the negotiated pledgeable payment transaction refers to pledgeable

transactions where the pledgeable electronic currency received are paid quickly or

delayed by adjusting (shortening/extending) the countdown time of the regular

redemption payment.

32. The online transaction method of pledgeable payment according to claim 31,

characterized in that: the negotiation pledgeable payment transaction includes the mere

coin fast payment pledgeable payment transaction, and the mere coin fast payment

pledgeable payment transaction refers to a pledgeable payment transaction with fast

payment of pledgeable mere coin received by shortening the countdown time of the

regular redemption payment.

33. The online transaction method for pledgeable payment according to claim 31,

characterized in that: the negotiated and pledgeable payment transaction comprises a

ticket-currency fast payment and pledgeable payment transaction, and the ticket

currency fast payment and pledgeable payment transaction refers to a pledgeable payment transaction in which the pledgeable ticket-currency received are paid quickly by shortening the end of the countdown time for regular redemption payments.