CN101246575A - Credit buyer non-forced performance security post-paying transaction system and method - Google Patents
Credit buyer non-forced performance security post-paying transaction system and method Download PDFInfo
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Abstract
The present invention provides a credit buyer non-preemptive performing postpaid trading system and method, including following steps: selecting a third party by trading initiator when the trade is initiated, the trading response party once answering, in other words, implied identification; appointting goods and price by the trade initiator, answering by the trade response party; filtering the buyer before goods delivery by seller according to the trade information data provided by the third party; the third party recording goods switch message according to the achieving trade order; buyer acquiring or postpaid or refusing payment; the third party recording trade payment relative information and collected trade data and statistical results in the database, for consult at any time, completing one trade. Contrast to the present technology, the invention places an emphasis on individual credibility formed by multiple trade for a long time, beneficial to protect consumer benefits, integrated user evaluation to the trade result, strengthening the guidance of the user needs to market, enhancing the sensibility of the market to the user needs.
Description
Technical field:
The present invention relates to a kind of transaction system and method, especially relate to a kind of credit buyer non-forced performance security post-paying transaction system and method.
Background technology:
In traditional mode of doing business, often regard the buyer and the seller's once agreement as once concluding the business, the seller is after having paid commodity so, and the buyer must pay payment for goods.So traditional mode of doing business can be regarded the commodity transaction scheme that a kind of pressure is honoured an agreement as.In the mode of doing business that this pressure is honoured an agreement, when there is objection in the buyer to the quality of goods, can only determine whether to refuse to pay payment for goods or not be recoverable to the payment for goods of having paid according to management organization and arbitration body to the severing of the quality of goods.
But for the info class commodity, the mode of doing business of forcing to honour an agreement has very big defective.On the one hand, the height of some info class commercial quality is relevant with each buyer's physical experience, is not that the ruling of management organization and arbitration body can substitute.On the other hand, mix owing to this information products, the price of single product is lower again, adopts the mode of management organization and arbitration body's ruling to handle dispute, and cost can be quite big.In the IT wave of modern society, increasing information is used to consumption, and information product is more and more.Wherein the judgement of the quality of the information product of quite a few has subjectivity, can't guarantee that one brings enough value to the buyer surely, such as an online charge picture, some client has seen and has felt fine, but has been exactly not assert to be worth after having some clients to see in addition.According to the mode of doing business that traditional pressure is honoured an agreement, since client has seen this width of cloth picture, so no matter whether he admits the value of this pictures, and he must pay, and sees or sees afterwards earlier and pay after no matter prepaying.Do not admit the client that this pictures is worth for those so, traditional mode of doing business just can't guarantee their interests.Therefore for the transaction of the commodity of this info class, should adopt which kind of mode to conclude the business and be advisable, be an of great value problem.
Summary of the invention:
The objective of the invention is to provide at the prior art weak point a kind of suitable info class commodity transaction, can in transaction, reflect more truly commodity for buyer's inherent value, guarantee that payment for goods that the buyer pays can gain the credit buyer non-forced performance security post-paying transaction system of counter value.
Another object of the present invention is the buyer non-forced performance security post-paying transaction method that builds one's credit.
The objective of the invention is to realize by following measure: a kind of credit buyer non-forced performance security post-paying method of commerce, its special character is may further comprise the steps:
Conclude the business when initiating, by the selected third party of transaction initiator, in a single day reply and participate in business transaction response side, i.e. the selected third party of acquiescence approval transaction initiator;
The initiator specifies commodity and price by transaction, and transaction response side is replied;
The have the right transaction credit data that provide according to the third party of the seller are made filtration to the buyer before commodity are paid, agree to conclude the business or Cancel Transaction;
The third party is according to the trading order form record commodity handing-over information of reaching, and record buyer or seller's transaction request are accepted the buyer and received goods request or seller's deliver goods request;
The buyer has the right according to the viewpoint of oneself commodity value to be made judgement after obtaining or using commodity, pays the bill or refuses payment with need not any explanation;
The third party writes down transaction payment relevant information;
The third party goes into database with collected transaction data and statistics, and described database contains: commodity evaluation information database and buyer's credit database, and provide the related personnel to consult at any time, finish once transaction.
Described third party sets up a webpage transaction platform, for buying, sell both sides' login, the definite legal identity of registration.
Described transaction initiator is the seller, then specifies commodity and price to issue on transaction platform merchandise news subsystem, and the transaction platform commodity are estimated the evaluation information that subsystem provides commodity simultaneously, and described information contains delivery total charge, real total charge, the collection rate etc. received.
Described transaction initiator is the buyer, then indicating demand commodity and price issues on transaction platform order subsystem, transaction platform buyer credit subsystem provides buyer's credit data simultaneously, described buyer's credit data contains behind the buyer re-purchase and pays real total charge, the buyer's payment rate of paying after buying total charge, buyer.
Described transaction response side is replied on transaction platform order subsystem, and the transaction response can be to be buyer or seller, and the initiator is corresponding with transaction, described expression this method of commerce of approval and the rule of replying;
The described order record commodity handing-over information of concluding the transaction receives seller's goods and deliver goods request by transaction platform logistics subsystem, with any logistics mode article are sent to the buyer, or agreement is got thing to certain place, notify the order subsystem to upgrade order status simultaneously, the notice commodity are estimated more new commodity evaluating data of subsystem, and notice buyer credit subsystem upgrades the buyer credit data.
Payment was in the clearing of transaction platform clearing subsystem after the described buyer used commodity, and the seller is given in payment for goods, and notice order subsystem upgrades order status; Notify buyer's credit subsystem to upgrade buyer's credit data, the notice commodity are estimated more new commodity evaluating data of subsystem.
A kind of credit buyer non-forced performance security post-paying transaction system, its special character is to comprise following subsystem:
User management subsystem is used for identifying the buyer and the seller's identity and the management buyer and the seller's essential information in the transaction;
The merchandise news subsystem is used to allow the seller issue merchandise news;
The order subsystem is used to the order of concluding the transaction, and follows the tracks of stateful transaction in the mode of order;
The logistics subsystem is used for being responsible for the commodity handing-over;
The clearing subsystem is used for capital settlement;
Buyer's credit subsystem is used to accumulate buyer's credit data, and provides some evaluations thus;
Commodity are estimated subsystem, are used to accumulate article sales data, and provide some evaluations thus.
Described merchandise news subsystem transaction initiator issues merchandise news, the merchandise news subsystem is given unique commodity ID of every kind of concrete commodity, and writes down the title of this kind commodity, price, seller ID, commodity are estimated subsystem and are in time provided the commodity evaluation information simultaneously.
Described order subsystem is given unique order ID of each order, and record buyer ID,, seller ID, the order amount of money, deliver goods state, payment status; Receive buyer's request of doing shopping, buyer's credit subsystem in time provides buyer's credit data simultaneously.
Described logistics subsystem responsible commodity handing-over, receive seller's goods and deliver goods request, give the buyer goods, notify form ordering system change order status simultaneously, notify buyer's credit subsystem to upgrade buyer's credit data and notice commodity evaluation subsystem renewal article sales data then.
Described clearing subsystem is used for capital settlement, receive the payment for goods or the information of refusing payment of buyer's payment, give the seller payment for goods, notify order subsystem change order status simultaneously, notify buyer's credit subsystem to upgrade buyer's credit data and notice commodity evaluation subsystem renewal article sales data then.
Described buyer's credit subsystem is used to accumulate buyer's credit data and provides evaluation, and described evaluation contains: all previous transaction record of buyer, and total charge is bought in re-purchase behind the buyer, and real total charge, the buyer's payment rate of paying paid in the back; Transition information real-time informing order subsystem, and consult at any time for the related personnel.
Described commodity are estimated subsystem and are used to accumulate article sales data and provide evaluation, and described evaluation contains: all previous transaction record of seller's commodity, the delivery total charge of these commodity of seller, real total charge, the collection rate received; Transition information real-time informing merchandise news subsystem, and consult at any time for the related personnel.
Compared with prior art, the present invention has created a kind of credit buyer non-forced performance security post-paying transaction system and method.Traditional transaction is from transaction flow, its delivery and payment are atomic operations, or success simultaneously, or failure simultaneously, this is a default rule of conventional transaction, any legal risk that can not face promise breaking in conventional transaction in accordance with this regular people.And in credit buyer non-forced performance security post-paying transaction scheme, we clearly weed out the default rule in this conventional transaction, then adopt a disclosed credit system to keep the feasibility of transaction.What credit buyer non-forced performance security post-paying transaction scheme of the present invention stressed is the individual prestige that the permanent back of repeatedly concluding the business forms, and emphasizes permanent prestige, abandons in the single transaction the restriction of the buyer about paying the bill after receiving.From little, do the interests that help to protect the consumer like this, guarantee that the money and goods that the consumer spends is worth to some extent; from general goal; do to estimate the user being incorporated into transaction results like this, help to strengthen the guiding of user's request, help to strengthen the susceptibility of market user's request to market.The present invention is suitable for having the commodity of following characteristics especially: other costs of the relative commodity of cost of reproduction are lower, or the cost of reproduction commodity lower with respect to price; The one-time consumption product; Quality assessment has subjectivity, difficult objective evaluation, particularly must could understand the one-time consumption product of its value after the user uses to some.
Description of drawings:
Fig. 1 is the embodiment system structure diagram that the present invention proposes.
Embodiment:
Below in conjunction with accompanying drawing embodiment is elaborated:
For being more readily understood some technical terms among the present invention, do some explanations in advance:
The transaction initiator: transaction the initiator be the buyer or be the seller; If the buyer gives out information to the public, showing oneself needs certain commodity, and then the buyer becomes the transaction initiator; Give out information if sell the direction public, showing oneself has certain commodity selling, and then the seller becomes the transaction initiator.
The transaction that the seller initiates: give out information if sell the direction public, showing oneself has certain commodity selling, and direct or indirect contact seller placed an order after the buyer obtained this information, and the transaction that begins by this way is exactly the transaction that the seller initiates.
The transaction that the buyer initiates: if the buyer gives out information to the public, showing oneself needs certain commodity, the seller to obtain to deliver to buyer's bid after this information, and the transaction that begins by this way is exactly the transaction that the buyer initiates.
Transaction response side: among buyer and the seller, the side initiator that be to conclude the business, the opposing party response side that concludes the business exactly.In transaction once, if the buyer is transaction initiator, the seller response side that concludes the business exactly so; If the seller is transaction initiator, the buyer response side that concludes the business exactly so.
The transaction third party: transaction third party herein refers in particular to and is responsible for the record transaction results in the payment transaction of back, safeguard buyer's credit data, safeguard the third party participant of commodity evaluating data.
The credit index: in order to improve the fiduciary level of transaction, some indexs are safeguarded by the transaction third party.But these indexs are a kind of selecting technologies in the payment transaction scheme implementation process after the optional creditization of honouring an agreement, and comprise " the real total charge of paying is paid in the back ", " total charge is bought in re-purchase behind the buyer ", " payment rate ".
The real total charge of paying is paid in the back: the amount of money summation that the buyer of current transaction is paid in his back pair of transaction as all conclusions of the business that the buyer participated in or part conclusion of the business.Notebook data is as the criterion with the data that current transaction third party can collect.
Total charge is bought in re-purchase behind the buyer: as in the buyer participated in all credit buyer non-forced performance security post-payings transaction, the summation of the amount of money of the order of commodity handing-over has taken place to the buyer of current transaction in all at him.Notebook data is as the criterion with the data that the third party of current transaction can collect.
The payment rate: payment rate=back is paid a real pair total charge/back re-purchase and is bought total charge, and the payment rate has been represented the credit of user in pair transaction of back, and obviously, the payment rate is high more, and confidence level is also high more.
Fig. 1 is a system schematic of the present invention, and networked transaction processing system of the present invention includes:
User management subsystem 100, be used for identifying the buyer and the seller's identity and the management buyer and the seller's essential information in the transaction, user management subsystem is given unique user ID of each user, and writes down this user's login name, password and other descriptors about the user.
Merchandise news subsystem 200 is used to allow the seller issue merchandise news, and the merchandise news subsystem is given unique commodity ID of every kind of concrete commodity, and writes down the title of this kind commodity, price, seller ID, and other descriptive labellings.Wherein contain two main contents: the one, it is as follows that the seller issues the commodity information processing: the seller submits to merchandise news to contain trade name, commodity price, seller ID and waits until the merchandise news subsystem, after the merchandise news subsystem is received the information of dependent merchandise, in data, generate a record, comprise information such as commodity ID, trade name, commodity price, seller ID, notify commodity to estimate subsystem then and generate initial evaluating data, the merchandise news subsystem is openly consulted merchandise news and commodity evaluation information for the buyer then.The 2nd, the processing of buyer's inquiring information of goods is as follows: the buyer submits the request of inquiry particular commodity information to, the merchandise news subsystem takes out the information of these commodity from database, offer the buyer, and the merchandise news subsystem is estimated the customer evaluation data that subsystem reads these commodity to commodity, offers the buyer then in the lump.
Order subsystem 300 is used to the order of concluding the transaction, and follows the tracks of stateful transaction in the mode of order, and the order subsystem is given unique order ID of each order, and record buyer ID, wants to buy descriptive labelling, seller ID, the order amount of money, deliver goods state, payment status.The order subsystem mainly contains the content of two aspects: the one, and the processing of transmitting transaction request is as follows: the order subsystem is accepted the buyer's purchase request, if the buyer is the response side of transaction, then generate an order record, comprise information such as order ID, buyer ID, seller ID, commodity ID, requirement description, commodity price, order time, commodity hand-off state, capital settlement state; The order subsystem is to the buyer credit subsystem inquiry buyer's credit then, inquire the buyer's credit data after, the buyer transaction request and the buyer's credit data is issued the seller together.If the buyer is the transaction initiator, generate an order record that only comprises demand information, seller ID and commodity ID temporarily are empty; The order subsystem is to the buyer credit subsystem inquiry buyer's credit then, inquire the buyer's credit data after, the buyer's demand information and the buyer's credit data is announced out together.The transaction of initiating for the buyer, after the seller sees related needs information, can requests transaction, the order subsystem will be filled in seller ID and the commodity ID that specifies order.The 2nd, the processing of upgrading order status is as follows: logistics subsystem request change order status, solicited message comprises information such as order ID, after the order subsystem is received this request, just upgrades and specifies the record of order in database, the deliver goods state is changed into join.Clearing subsystem request change order status, solicited message comprises information such as order ID, after the order subsystem is received this request, just upgrades and specifies the record of order in database, the clearing state changes into to be settled accounts.
Logistics subsystem 400 is used for being responsible for the commodity handing-over and collection order commodity are sent to information.The dilivery of freight processing procedure is as follows: the seller provides commodity to the logistics subsystem and submit deliver goods request (comprising order ID etc.) to, after the logistics subsystem receives these commodity and deliver goods request, according to the deliver goods request, commodity is delivered to the buyer; After the commodity handing-over was finished, logistics subsystem notice order subsystem change order deliver goods state was for joining, and logistics subsystem notice commodity are estimated subsystem and adjusted the commodity evaluation information, and the logistics subsystem is notified buyer's credit subsystem adjustment buyer credit data.Also have a kind of goods processing procedure of equivalence as follows, the seller directly submits to the effective buyer about specifying the order goods to sign for proof, after the logistics subsystem confirms that this proof effectively, logistics subsystem notice order subsystem change order deliver goods state is for joining, logistics subsystem notice commodity are estimated subsystem and are adjusted the commodity evaluation information, and the logistics subsystem is notified buyer's credit subsystem adjustment buyer credit data.
Clearing subsystem 500 is used for capital settlement and collects order amount of money payment information.Payment for goods settlement process process is as follows: the buyer pays the payment for goods of specifying order and arrives the clearing subsystem, after the clearing subsystem receives this payment for goods and settlement requests, according to settlement requests, pays the seller payment for goods; After the seller was paid in payment for goods, clearing subsystem notice order subsystem change order clearing state was for settling accounts, and clearing subsystem notice commodity are estimated subsystem and adjusted the commodity evaluation information, and the clearing subsystem is notified buyer's credit subsystem adjustment buyer credit data.Also have a kind of settlement process process of equivalence as follows, the buyer directly submits to the effective seller about specifying the order payment for goods to sign for proof, after the clearing subsystem confirms that this proof effectively, clearing subsystem notice order subsystem change order clearing state is for settling accounts, clearing subsystem notice commodity are estimated subsystem and are adjusted the commodity evaluation information, and the clearing subsystem is notified buyer's credit subsystem adjustment buyer credit data.
Buyer's credit subsystem 600 is used to accumulate buyer's credit data, according to buyer's historical trading data, pays behind the statistics buyer and refuses to pay total charge, back and pay and pay that total charge, back are paid unsettled total charge, payment rate etc. is paid in the back in fact.Buyer's credit subsystem also has two main functions: the one, upgrade buyer's credit at any time, the first is upgraded the request from the logistics subsystem, handle as follows: when the logistics subsystem is confirmed to have finished according to the commodity handing-over that the buyer buys request, just notify buyer's credit subsystem to upgrade this buyer's credit data.After buyer's credit subsystem is received this request, add the number of going up correspondence just for buyer's the back pair of unsettled amount of money, and then reduce buyer's payment rate.Suppose that it is 10 yuan that back pair of buyer before upgrading refused to pay total charge, it is 50 yuan that a real pair total charge is paid in the back, it is 20 yuan that unsettled total charge is paid in the back, so behind the buyer re-purchase to buy total charge be 10+50+20=80 unit, buyer's back pair of payment rate is that 50/80=62.5%. supposition commodity price is 20 yuan so, after upgrading so, it is 10 yuan that back pair of buyer refused to pay total charge, it is 50 yuan that a real pair total charge is paid in the back, the back is paid unsettled total charge and is become 40 yuan, then behind the buyer re-purchase to buy total charge be 10+50+40=100 unit, buyer's back pair of payment rate is 50/100=50%; It two is requests of upgrading from the clearing subsystem, handles as follows: when the clearing subsystem is confirmed after the buyer has paid one pair unsettled amount of money, just notify buyer's credit subsystem to upgrade this buyer's credit data.After buyer's credit subsystem is received this request, add the number of going up correspondence just for user's the back pair of unsettled amount of money, and then reduce buyer's payment rate.Suppose that it is 10 yuan that back pair of buyer before upgrading refused to pay total charge, the back pays that real to pay a total charge be 50 yuan, and it is 40 yuan that a unsettled total charge is paid in the back, then is 10+50+40=100 unit, and buyer's back pair of payment rate is 50/100=50%.Suppose that commodity price is 20 yuan, after the renewal, it is 10 yuan that back pair of buyer refused to pay total charge, the back is paid the real total charge of paying and is become 70 yuan, the back is paid a unsettled total charge and is become 20 yuan, then behind the buyer re-purchase to buy total charge be 10+70+20=100 unit, buyer's back pair of payment rate is 70/100=70%..The 2nd, inquiry buyer credit, first seller proposes the request of buyer's credit inquiry, after buyer's credit subsystem is received query requests, provides the back pair of credit data such as payment rate of specifying the buyer to the seller; It two is that the order subsystem sends request to buyer's credit subsystem, and buyer's credit is specified in inquiry; Buyer's credit subsystem returns this buyer's back pair of credit data such as payment rate and gives the order subsystem.
Commodity are estimated subsystem 700, are used to accumulate article sales data, and provide some evaluations thus.The all previous transaction record of seller's commodity, this transaction delivery total value, real total charge, the collection rate received; Transition information real-time informing merchandise news subsystem, and consult at any time for the related personnel.Commodity are estimated subsystem and are also had two main functions, the one, the degree of recognition of inquiry commodity, the first is inquired about the commodity client degree of recognition from buyer's request: the buyer puies forward client's degree of recognition query requests of specifying commodity, after commodity evaluation subsystem is received query requests, provide the data such as client's degree of recognition of specifying commodity to the buyer.It two is client's degrees of recognition from the request of merchandise news subsystem inquiry commodity: the merchandise news subsystem is estimated subsystem to commodity and is sent request, and client's degree of recognition of commodity is specified in inquiry; Commodity are estimated the collection rate etc. that subsystem returns these commodity and represents the data of the commodity degree of recognition to the merchandise news subsystem.The 2nd, the new commodity degree of recognition more at any time, the first are from the request of logistics subsystem: when the logistics subsystem is confirmed to have finished according to the commodity handing-over that the buyer buys request, with regard to notify commodity estimate subsystem more the client of new commodity approve data.Commodity are estimated subsystem and are added the number of going up correspondence for the delivery total charge of commodity, and then reduce the collection rate of commodity.Suppose that the delivery total charge of commodity is 40 yuan before upgrading, real receipts total charge is 30 yuan, and then the collection rate of commodity is 30/40=75%, and just the degree of recognition of commodity is 75%; The unit price of supposing commodity is 10 yuan, and after upgrading so, the delivery total charge of commodity is 40+10=50 units, temporary transient still 30 yuan of the payment for goods of receiving, so the collection rate of commodity becomes 30/50=60%, just the degree of recognition of commodity temporarily comes down to 60%; It two is requests from the clearing subsystem: after the clearing subsystem is confirmed to pay the unsettled amount of money after the buyer has paid one, approve data with regard to notifying commodity to estimate the client that subsystem upgrades these commodity.Commodity are estimated subsystem and are gone up corresponding number for the real receipts total charge interpolation of commodity, and then improve the collection rate of commodity.Suppose that the delivery total charge of commodity is 50 yuan before upgrading, real receipts total charge is 30 yuan, then the collection rate of commodity is 30/50=60%, just the degree of recognition of commodity is 60%, supposes that the buyer has paid 10 yuan, after upgrading so, the real total charge of receiving of commodity becomes 30+10=40 unit, the delivery total charge still is 50 yuan, so the collection rate of commodity becomes 40/50=80%, just the degree of recognition of commodity rises to 80%.
Further specify below in conjunction with embodiment:
The credit buyer non-forced performance security post-paying transaction that embodiment 1. sellers initiate
One piece of article of Lee * oneself write " composition is crossed the threshold ", Lee * preparation online sales this article.At this moment the introduction and the designated price of Lee * " credit buyer non-forced performance security post-paying transaction system " submission article of arriving are 100 yuan, issue a sale information, at this moment the delivery total charge of commodity " composition is crossed the threshold " is 0 yuan, and real receipts total charge is 0 yuan, and the collection rate data do not have.The king * (100 yuan of total charges are bought in back re-purchase, real 80 yuan of the total charges of paying are paid in the back, payment rate 80%) seen the relevant information of this piece article after, feel to want, just propose to buy the request of " composition is crossed the threshold " to " credit buyer non-forced performance security post-paying transaction system "." credit buyer non-forced performance security post-paying transaction system " the king * the purchase request and the king * credit data inform Lee *.King Lee * seen * credit data after, think that king * credit is higher, be ready continuous business, Lee * article " composition is crossed the threshold " is issued " credit buyer non-forced performance security post-paying transaction system "." credit buyer non-forced performance security post-paying transaction system " offers king * see to article " composition cross the threshold "; And add 100 for the delivery total charge of commodity " composition is crossed the threshold ", and changing 100 yuan into, collection rate=reality is received total charge/delivery total charge=0/100=0%; Give the king * back re-purchase buy total charge and add 100, change 200 yuan into, rate of payment=back is paid a real pair total charge/back re-purchase and is bought total charge=80/200=40%.Behind the king * seen " composition is crossed the threshold ", think that this piece article is all well and good really, worth, just paid 100 yuan to " credit buyer non-forced performance security post-paying transaction system "." credit buyer non-forced performance security post-paying transaction system " 100 yuans pay Lee *; And add 100 for the real total charge of receiving of commodity " composition is crossed the threshold ", and changing 100 yuan into, collection rate=reality is received total charge/delivery total charge=100/100=100%; Give the king * back pair of reality pay total charge and add 100, change 180 yuan into, rate of payment=back is paid a real pair total charge/back re-purchase and is bought total charge=180/200=90%.A credit buyer non-forced performance security post-paying closing the transaction, Transaction Success.
Afterwards, in vain * after (500 yuan of total charges are bought in back re-purchase, and real 60 yuan of total charges, the payment rate 12% of paying paid in the back) seen the relevant information of this piece article, feel to want, just propose to buy the request of " composition is crossed the threshold " to " credit buyer non-forced performance security post-paying transaction system "." credit buyer non-forced performance security post-paying transaction system " in vain * the purchase request and white * credit data inform Lee *.Lee * seen is white * credit data after, think that white * credit is too poor, seen to him to can not receive money mostly, the continuous business of being unwilling.A credit buyer non-forced performance security post-paying transaction stops.
Flower * (400 yuan of total charges are bought in back re-purchase, real 200 yuan of the total charges of paying are paid in the back, payment rate 50%) seen the relevant information of this piece article after, feel to want, just propose to buy the request of " composition is crossed the threshold " to " credit buyer non-forced performance security post-paying transaction system "." credit buyer non-forced performance security post-paying transaction system " flower * the purchase request and flower * credit data inform Lee *.Lee * seen flower * credit data after, feel flower * credit still can, be ready continuous business, Lee * article " composition is the ABC of " is issued " credit buyer non-forced performance security post-paying transaction system "." credit buyer non-forced performance security post-paying transaction system " offers article " composition is crossed the threshold " spend * to see; And add 100 for the delivery total charge of commodity " composition is crossed the threshold ", and changing 200 yuan into, collection rate=reality is received total charge/delivery total charge=100/200=50%; Give flower * back re-purchase buy total charge and add 100, change 500 yuan into, rate of payment=back is paid a real pair total charge/back re-purchase and is bought total charge=200/500=40%..After spend * having seen " composition is crossed the threshold ", think that this piece article is too poor, do not have value, be unwilling to pay.A credit buyer non-forced performance security post-paying closing the transaction, Fail Transaction.
More than being three examples of the credit buyer non-forced performance security post-paying transaction initiated of the seller, is respectively to stop before success, the delivery and situation that the delivery back is refused to pay.
In practical operation, the seller can configure the judgement to buyer's credit in advance, goods is entrusted to the third party, like that when order comes, the third party can judge transaction flow immediately according to the filtercondition that the seller configures in advance, is to stop transaction or agree that transaction also launches the commodity handing-over at once.When credit buyer non-forced performance security post-paying is concluded the business after being stopped by the seller, in practical operation, the suggestion third party helps the seller and the buyer to launch a conventional transaction about corresponding goods (receive and must pay the bill), so that provide convenience for both parties as far as possible.
The credit buyer non-forced performance security post-paying transaction that embodiment 2. buyeies initiate
Spend * want to learn guitar, but do not know where learn well.At this moment spend * arriving shows on " credit buyer non-forced performance security post-paying transaction system " and oneself wants to know where is it religion nearby guitar, and the information of whom specifying can provide is just awarded 10 yuan.Issue one exactly and wanted to buy information.The credit data of supposing flower * this moment is as follows: the back re-purchase is bought 500 yuan of total charges, back and is paid real paying after 200 yuan of total charges, payment rate 40%. Xiao Bai seen, feel flower * credit still can, the information that the A of guitar class just is provided is to " credit buyer non-forced performance security post-paying transaction system "." credit buyer non-forced performance security post-paying transaction system " this information offer flower *, and will spend * back re-purchase buy total charge and add that 10 become 510 yuan, the payment rate becomes 200/510 ≈ 39%.
After Xiao Wang sees flower * information, feel the flower * credit too poor, ignore.
Lee * see flower * information after, feel flower * credit still can, provide the information of the B of guitar class to arrive " credit buyer non-forced performance security post-paying transaction system "." credit buyer non-forced performance security post-paying transaction system " this information offer the flower *, but do not change the flower * credit data.Adopted after spend * seeing Lee * suggestion, reported the B of guitar class, sensation is good really.10 yuan of flower * payments are to " credit buyer non-forced performance security post-paying transaction system ", and employing Lee's of announcements * provide information." credit buyer non-forced performance security post-paying transaction system " 10 yuan consign to Lee *, and upgrade flower * back pair of credit, give flower * back pair of reality pay total charge and add 10 yuan, become 210 yuan, the payment rate becomes 210/510 ≈ 41%.The credit buyer non-forced performance security post-paying closing the transaction of buyer's initiation.
Embodiments of the present invention have been described above in conjunction with the accompanying drawings, not constituting that embodiment provides limits the present invention, those skilled in the art can make various distortion or modification within the scope of the appended claims in this area, and all do not break away from the technical scheme and the improvement thereof of the spirit and scope of the present invention, and it all should be encompassed in the claim scope of the present invention.
Claims (14)
1. credit buyer non-forced performance security post-paying method of commerce is characterized in that being may further comprise the steps:
Conclude the business when initiating, by the selected third party of transaction initiator, in a single day reply and participate in business transaction response side, i.e. the selected third party of acquiescence approval transaction initiator;
The initiator specifies commodity and price by transaction, and transaction response side is replied;
The have the right transaction credit data that provide according to the third party of the seller are made filtration to the buyer before commodity are paid, agree to conclude the business or Cancel Transaction;
The third party is according to the trading order form record commodity handing-over information of reaching, and record buyer or seller's transaction request are accepted the buyer and received goods request or seller's deliver goods request;
After the buyer obtains or used commodity, have the right commodity value to be made judgement, pay the bill or refuse payment with need not any explanation according to the viewpoint of oneself;
The third party writes down transaction payment relevant information;
The third party goes into database with collected transaction data and statistics, and described database contains: commodity evaluation information database and buyer's credit database, and provide the related personnel to consult at any time, finish once transaction.
2. a kind of credit buyer non-forced performance security post-paying method of commerce according to claim 1 is characterized in that described third party sets up a webpage transaction platform, for buying, sell both sides' login, the definite legal identity of registration.
3. a kind of credit buyer non-forced performance security post-paying method of commerce according to claim 1, it is characterized in that described transaction initiator is the seller, then specify commodity and price on transaction platform merchandise news subsystem, to issue, the transaction platform commodity are estimated the evaluation information that subsystem provides commodity simultaneously, described information contains delivery total charge, real total charge, the collection rate etc. received.
4. a kind of credit buyer non-forced performance security post-paying method of commerce according to claim 1, it is characterized in that described transaction initiator is the buyer, then indicating demand commodity and price issues on transaction platform order subsystem, transaction platform buyer credit subsystem provides buyer's credit data simultaneously, described buyer's credit data contains behind the buyer re-purchase and pays real total charge, the buyer's payment rate of paying after buying total charge, buyer.
5. a kind of credit buyer non-forced performance security post-paying method of commerce according to claim 1, it is characterized in that described transaction response side replys on transaction platform order subsystem, the transaction response can be to be buyer or seller, the initiator is corresponding with transaction, described expression this method of commerce of approval and the rule of replying;
6. a kind of credit buyer non-forced performance security post-paying method of commerce according to claim 1, it is characterized in that the described order record commodity handing-over information of concluding the transaction receives seller's goods and deliver goods request by transaction platform logistics subsystem, with any logistics mode article are sent to the buyer, or agreement is got thing to certain place, notify the order subsystem to upgrade order status simultaneously, the notice commodity are estimated more new commodity evaluating data of subsystem, and notice buyer credit subsystem upgrades the buyer credit data.
7. a kind of credit buyer non-forced performance security post-paying method of commerce according to claim 1, it is characterized in that paying the bill in the clearing of transaction platform clearing subsystem after the described buyer used commodity, the seller is given in payment for goods, and notice order subsystem change order status, notify buyer's credit subsystem to upgrade buyer's credit data, the notice commodity are estimated subsystem and are upgraded article sales data.
8. credit buyer non-forced performance security post-paying transaction system is characterized in that comprising following subsystem:
The merchandise news subsystem is used to allow the seller issue merchandise news;
The order subsystem is used to the order of concluding the transaction, and follows the tracks of stateful transaction in the mode of order;
The logistics subsystem is used for being responsible for the commodity handing-over;
The clearing subsystem is used for capital settlement;
Buyer's credit subsystem is used to accumulate buyer's credit data, and provides some evaluations thus;
Commodity are estimated subsystem, are used to accumulate article sales data, and provide some evaluations thus.
9. a kind of credit buyer non-forced performance security post-paying transaction system according to claim 8, it is characterized in that described merchandise news subsystem transaction initiator issues merchandise news, the merchandise news subsystem is given unique commodity ID of every kind of concrete commodity, and write down the title of this kind commodity, price, seller ID, commodity are estimated subsystem and are in time provided the commodity evaluation information simultaneously.
10. a kind of credit buyer non-forced performance security post-paying transaction system according to claim 8 is characterized in that described order subsystem to unique order ID of each order, and record buyer ID,, seller ID, the order amount of money, the deliver goods state, payment status; Receive buyer's request of doing shopping, buyer's credit subsystem in time provides buyer's credit data simultaneously.
11. a kind of credit buyer non-forced performance security post-paying transaction system according to claim 8, it is characterized in that described logistics subsystem responsible commodity handing-over, receive seller's goods and deliver goods request, give the buyer goods, notify form ordering system change order status simultaneously, notify buyer's credit subsystem to upgrade buyer's credit data and notice commodity evaluation subsystem renewal article sales data then.
12. a kind of credit buyer non-forced performance security post-paying transaction system according to claim 8, it is characterized in that described clearing subsystem is used for capital settlement, receive the payment for goods or the information of refusing payment of buyer's payment, give the seller payment for goods, notify order subsystem change order status simultaneously, notify buyer's credit subsystem to upgrade buyer's credit data and notice commodity evaluation subsystem renewal article sales data then.
13. a kind of credit buyer non-forced performance security post-paying transaction system according to claim 8, it is characterized in that described buyer's credit subsystem is used to accumulate buyer's credit data and provides evaluation, described evaluation contains: all previous transaction record of buyer, total charge is bought in re-purchase behind the buyer, pay real total charge, the buyer's payment rate of paying behind the buyer; Transition information real-time informing order subsystem, and consult at any time for the related personnel.
14. a kind of credit buyer non-forced performance security post-paying transaction system according to claim 8, it is characterized in that described commodity evaluation subsystem is used to accumulate article sales data and provides evaluation, described evaluation contains: all previous transaction record of these commodity of seller, the delivery total charge of these commodity of seller, real total charge, the collection rate received; Transition information real-time informing merchandise news subsystem, and consult at any time for the related personnel.
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| CNA2008100333112A CN101246575A (en) | 2008-01-31 | 2008-01-31 | Credit buyer non-forced performance security post-paying transaction system and method |
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| CNA2008100333112A CN101246575A (en) | 2008-01-31 | 2008-01-31 | Credit buyer non-forced performance security post-paying transaction system and method |
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