CN101354765A

CN101354765A - System and method for implementing internet trade guarantee payment and financing

Info

Publication number: CN101354765A
Application number: CNA2008102229575A
Authority: CN
Inventors: 龚光庆
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2008-09-24
Filing date: 2008-09-24
Publication date: 2009-01-28

Abstract

The invention discloses a system capable of realizing online trading guarantee payment and financing. The system comprises an online trading service processing device, a banking service processing device, a teller terminal and a client terminal, wherein the online trading service processing device is used for receiving the access requests from clients, carrying out the client identity authentication and processing the online trading transactions, and is responsible for communicating with a banking system; the banking service processing device is used for communicating with the online trading service processing device, receiving the business requests submitted by the client terminal through the online trading service processing device , receiving the access of the teller terminal, carrying out the authentication for the teller terminal, and realizing the inner business processing flow and accounting treatment of banks; the teller terminal is used for allowing bank tellers to log on the banking service processing device; the client terminal is used for allowing the clients to log on the trade service processing device . The invention discloses a method capable of realizing the online trading guarantee payment and financing. With the invention, the banking guarantee payment and financing can be transacted directly on line, and more convenient services are provided for the online trade.

Description

A kind of system and method for realizing internet trade payment under guarantee and financing

Technical field

The present invention relates to bank carries out payment under guarantee and financing to internet trade field, relate in particular to a kind of system and method for realizing internet trade payment under guarantee and financing, the banking that belongs to a kind of novel electronicization, based on the credit score that accumulates in client's trade on the net, the client is carried out credit underwriting and financing.This business is Network Based carrying out fully, do not need the client to handle any formality to bank's cabinet face, guarantees client identity authentication by the method for digital certificate, thereby make the client home-confined, just can enjoy bank guarantee and financing services.

Background technology

The payment of internet trade at present or the middle means of payment that adopt the website to provide, as the Alipay of Alibaba, or the means of payment of employing traditional trade, as applying for establishing letter of credit to bank.

The means of payment that adopt the website to provide generally all need the buyer guaranty money that prestores earlier, and the conclusion of the business situation of confirming according to the buyer that expires is carried out foreign payment, and the guaranty money if the buyer can't prestore then can apply for bank loan on the net.There is following defective in this method:

If 1 buyer is temporary being hard up for money, can pay voluntarily at seller's delivery day, also must cause the client to need the supplementary payments bank interest under the present circumstances with regard to apply for loan when ordering goods.

2, the guaranty money of leaving website payment intermediary in bears no interest, and has also increased client's loss virtually.

3, the true trade that all is based on the client of at present general bank is financed, owing to do not realize docking of banking system and internet trade system, authenticity that can't confirm transaction causes the buyer and the seller can't be with the buyer's electronic order service list to bank financing.

Use bank's application and establish letter of credit, have following defective:

1, need the client to handle a large amount of formalities to bank, need fill out upright application form when opening, handle guarantee formality etc., also to divide during follow-up buyer's seller's financing and be clipped to issuing bank and negotiating bank goes through the formalities, formality is loaded down with trivial details on the one hand, the client need often travel to and fro between bank, one side bank's processing time is long, and customer in response needs as early as possible.

2, follow-uply need bank to carry out the document examination operation of large amount of complex when single.

Summary of the invention

(1) technical matters that will solve

In view of this, fundamental purpose of the present invention is to provide a kind of system and method for realizing internet trade payment under guarantee and financing, to realize directly handling bank guarantee payment and financing on the net, bank examines according to the credit score and the electronic order of client's trade on the net, for the dealing side of internet trade provides more convenient service.

(2) technical scheme

For achieving the above object, the technical solution used in the present invention is as follows:

A kind of system that realizes internet trade payment under guarantee and financing, this system comprises:

Internet trade service processing device 1 is the set of a series of service units of providing of e-commerce website, is used to receive client's request of access, and the client is carried out authentication, the transaction of internet trade is handled, and be responsible for and banking system is carried out communication;

Bank service treating apparatus 2, it is the set of a series of service units of providing of bank, be used to realize communication with internet trade service processing device 1, receive the business application that client terminal 4 is submitted to by internet trade service processing device 1, and the visit of reception teller terminal 3, teller terminal 3 is carried out authentication, realize the business processing flow and the accounting processing of bank inside;

Teller terminal 3 is used to realize bank cashier login bank service treating apparatus 2; And

Client terminal 4 is used to realize that the client logins internet trade service processing device 1.

In the such scheme, described internet trade service processing device 1 and bank service treating apparatus 2 are connected by the internet, client terminal 4 and internet trade service processing device 1 are connected by the internet, and teller terminal 3 is connected by bank's internal network with bank service treating apparatus 2.

In the such scheme, described internet trade service processing device 1 comprises:

Authenticated client device 11, call by internet trade service generator 12, key and cryptographic algorithm are provided, be used to verify client identity, be visit internet trade service processing device, and submit to payment under guarantee, the employed information data of financing application instruction to carry out safeguard protection and digital signature;

Internet trade service generator 12, be used to realize client enrollment, client information management, the management of client's credit score, seller's commodity information management, merchandise query, order submission, payment under guarantee application, the application of buyer's negotiation, the application of seller's negotiation and packing credit application function, digital signature is carried out in the instruction of client's order submission, payment under guarantee and relevant provide financing services digital certificate for ratification;

The website outreaches device 13, is used to realize that internet trade service processing device 1 is connected with the communication of bank service treating apparatus 2, application protocol conversion, message assembling, overtime control, safety management and log management function.

In the such scheme, described authenticated client device 11 and website outreach device 13 and are connected to internet trade service generator 12, and trade service generator 12 is connected with client terminal 4 by the internet.

In the such scheme, described bank service treating apparatus 2 comprises:

Bank outreaches device 21, is used to realize that bank is connected with the communication of ambient systems, application protocol conversion, message assembling, overtime control, safety management and log management function;

Payment under guarantee and financing management service generator 22, be used to provide client information management, payment under guarantee is handled with the financing application, business approval is handled, financing management, the agreement registration, receipt management and financing quota management function, interface with internet trade service generator 12 is provided, receive the professional application information that the service of trade from network generator 12 is sent, remind the handler, after the handler examines relevant information and client's credit standing, submit to the inner person in charge of bank to examine, examine by after carry out accounting processing, handle audit not by or finally examine and do not pass through, all will veto the related service application, result feeds back to internet trade service generator 12 the most at last;

Teller identification device 23, be used for bank cashier is carried out authentication processing, bank cashier must be logined before using bank service treating apparatus 2, bank cashier is inputed user name on teller terminal 3, the authentication information of password, teller terminal 3 sends to payment under guarantee and financing management service generator 22 with teller's information via internal network, payment under guarantee and financing management service generator 22 are issued teller identification device 23 with teller's information and are authenticated, authentication result will be returned payment under guarantee and financing management service generator 22, and payment under guarantee and financing management service generator 22 carry out subsequent treatment in view of the above;

Data storage device 24 is used to deposit customer information, client's limit information, protocol information, transaction application information, business approval information, payment under guarantee information, receipt information, financing processing managing detailed catalogue, the information that pays at maturity and teller's information.

In the such scheme, described bank outreaches device 21, teller identification device 23 and data storage device 24 and is connected to payment under guarantee and financing management service generator 22, financing management service generator 22 is connected with teller terminal 3, and bank outreaches device 21 and outreaches device 13 with the website of internet trade service processing device 1 and be connected.

In the such scheme, described payment under guarantee and financing management service generator 22 comprise:

Main control unit 220, this main control unit 220 is total inlets of all business processing requests, reception outreaches the request of device 21 and teller terminal 3 from bank, the distribution processor of concluding the business, comprise and resolve the client requests data, create data model and call the processing module processing, after transaction processing finishes, return result;

Client information management unit 221 is used to write down and safeguard the customer information that the service of trade from network generator 12 obtains, and registers bad client;

Professional application processing unit 222, be used to accept and register the every professional application that the client submits to by internet trade service generator 12, comprise the application of payment under guarantee, buyer's negotiation, seller's negotiation, packing credit, comprise essential information and credit standing that the client registers simultaneously on the net;

Business approval processing unit 223, the professional application of each that is used for client terminal 4 is submitted to is examined and is examined, comprise the handler checks whether the online credit score of client eligible, whether the client exist record of bad behavior in one's own profession and People's Bank of China, and client's volume that whether transfinites, audit submits to personnel at different levels to examine by the back handler, personnel at different levels have access to relevant information in the process of examining, express an opinion, and finally whether agree that by highest weight limit approver decision the client applies for;

Electronics payment under guarantee inteilectual becomes unit 224, be used in the payment under guarantee application by after examining, automatically generate electronics payment under guarantee book, the content of letter of guarantee comprises payment under guarantee book numbering, client's type of credential, passport NO., customer name, the guarantee term of validity, payment under guarantee Currency Type, the payment under guarantee amount of money, beneficiary's type of credential, beneficiary's passport NO. and beneficiary's title;

Electronics receipt generation unit 225, be used in seller's negotiation, buyer's negotiation, packing credit application by after examining, automatically generate the electronics receipt, the receipt content comprises client's type of credential, passport NO., customer name, receipt numbering, financing Currency Type, the financing amount of money, provides day, date of expiry, finance rate, the number of the account of making loans and receipt treatment state;

Protocol management elements 226 is used to write down and safeguards every business and the agreement of client's signing and the change situation of agreement, has access to use for the content personnel of bank, and recorded content comprises professional kind, protocol contents, date of publication, Date Of Change and changed content; Announce on the protocol contents trade on the net simultaneously service generator 12;

The administrative unit 227 that pays at maturity, be used for the buyer receive goods and examine goods by, confirm payment after, buyer's fund is given seller's account, to the part of buyer's account deficiency, bank advance is given the seller, and generates a receipt of giving the buyer simultaneously;

Collection administrative unit 228 is used for before financing expires, and generates alerts list and gives the handler, reminds the client to prepare fund by the handler, regularly carries out collection to after date;

Financing quota management unit 229 is used for client's category is set maximum payment under guarantee and financing limit, and the client can be recycled in amount, surpasses amount new business can not take place;

Account Disposal unit 2210, be used for after the electronics receipt of seller's negotiation, buyer's negotiation, packing credit generates, the processing that keeps accounts of financing and providing, expire after the client confirms to give back financing in buyer's negotiation and packing credit, receive the client and give back the processing of withholing after the instruction, if when paying at maturity the client Sorry, your ticket has not enough value, the payment processes of paying for;

Daily management unit 2211 is used to safeguard teller's essential information, teller role, teller's authority, branch offices's essential information and every systematic parameter.

In the such scheme, described client information management unit 221, professional application processing unit 222, business approval processing unit 223, electronics payment under guarantee inteilectual become unit 224, electronics receipt generation unit 225, protocol management elements 226, the administrative unit that pays at maturity 227, collection administrative unit 228, financing quota management unit 229, Account Disposal unit 2210 and daily management unit 2211 to be connected to main control unit 220.

In the such scheme, described client terminal 4 is the PC that browser software is installed, or the mobile communication terminal with function of surfing the Net;

Described teller terminal 3 is used for handling and audit approving persons at different levels use for banking, is a PC that browser software is installed, or device that can operate browser software.

A kind of method that realizes internet trade payment under guarantee and financing is applied to the system of claim 1 described realization internet trade payment under guarantee and financing, it is characterized in that this method comprises:

The bank service treating apparatus receives the business application under the internet trade background that client terminal submits to by the internet trade service processing device, and this business application is that payment under guarantee is opened application, the application of seller's negotiation, packing credit application, the application of buyer's negotiation with financing application, payment under guarantee book and in applying at least one of paying at maturity;

The bank service treating apparatus is according to conclude the business the on the net credit score of accumulation and in the credit standing of bank of client, processing is examined in this business application, if examine by, then carry out accounting processing, and net result is fed back to client terminal by the internet trade service processing device examining the business application of passing through.

In the such scheme, when the business application was payment under guarantee and financing application, this method specifically comprised:

Step 301: after choosing commodity and submit order on buyer client's trade on the net service generator 12, select to handle the bank guarantee payment;

Step 302: after buyer client accepts bank's agreement, submit to the payment under guarantee application to give bank service treating apparatus 2 by internet trade service generator 12;

Step 303: bank service treating apparatus 2 feeds back to buyer client with relevant information after agreeing to handle, and seller client receives relevant payment under guarantee information by internet trade service generator 12 simultaneously;

Step 304: the seller receives the payment under guarantee book, and whether decision needs to bank financing;

Step 305: if the seller does not need financing, then expiring is for the buyers' account to the seller;

Step 306:, then judge it is provisional financing or negotiation drawing in advance if the seller needs financing;

Step 307: if provisional financing, the seller handles packing credit by internet trade service generator 12, and the after date of providing a loan is refunded to bank by the buyer;

Step 308: if negotiation is withdrawn deposit in advance, the seller handles seller's negotiation by internet trade service generator 12, and seller's negotiation is that the seller transfers bank with bill and account receivable power, gives bank to after date by buyer's direct payment, repays the seller's negotiation;

Step 309: payment under guarantee is to after date, and whether the buyer determines the needs financing according to whether paying voluntarily;

Step 310: if the buyer needs financing, the buyer handles buyer's negotiation by internet trade service generator 12, and the fund of negotiation is used for payment and gives the seller;

Step 311:, then pay the bill to the seller by bank transfer if the buyer does not need financing.

In the such scheme, when the business application is that the payment under guarantee book is opened when application, this method specifically comprises:

Step 401: after choosing commodity and submit order on buyer client's trade on the net service generator 12, if the means of payment that do not adopt e-commerce website and provided, do not wish bank's cabinet face transacting business yet, then select to handle the bank electronic payment under guarantee on the service of the trade on the net generator 12;

Step 402: after accepting bank's agreement on buyer client's trade on the net service generator 12, the application of input payment under guarantee, and by 12 submissions of internet trade service generator, need enclose digital signature during submission, internet trade service generator 12 sends to the payment under guarantee application payment under guarantee and financing management service generator 22 in real time;

Step 403: after payment under guarantee and financing management service generator 22 are received the application of electronics payment under guarantee, begin to initiate to check client's credit standing;

Step 404: whether credit score is eligible on the net for payment under guarantee and financing management service generator 22 inspection clients, if ineligible, then payment under guarantee and financing management service generator 22 is return application;

Step 405: payment under guarantee and financing management service generator 22 check whether the client exists record of bad behavior in one's own profession and People's Bank of China, if exist, then payment under guarantee and financing management service generator 22 is return application;

Step 406: payment under guarantee and financing management service generator 22 is checked the business of the client's payment under guarantees volume that whether transfinites, if add that this business is in excess of the quota, then payment under guarantee and financing management are served generator 22 and return application;

Step 407: the handler of bank submits to the interior related personnel of row to examine step by step by payment under guarantee and financing management service generator 22;

Step 408: do not pass through if examine, then payment under guarantee and financing management service generator 22 returns to internet trade service generator 12 with application;

Step 409: if examine by, then generate electronics payment under guarantee book and be kept in the data storage device 24;

Step 410: payment under guarantee and financing management service generator 22 feed back to internet trade service generator 12 with electronics payment under guarantee book;

Step 411: if return application, then payment under guarantee and financing management service generator 22 will be vetoed information feedback to internet trade service generator 12.

In the such scheme, when the business application was the application of seller's negotiation, this method specifically comprised:

Step 501: seller client receives the payment under guarantee postscript on buyer client's trade on the net service generator 12, if need circulating capital before expiring, then selects to handle seller's negotiation business by internet trade service generator 12; After seller client accepts bank's agreement, the application of input negotiation, and, need enclose digital signature during submission by 12 submissions of internet trade service generator, internet trade service generator 12 sends to the negotiation application payment under guarantee and financing management service generator 22 in real time;

Step 502: after receiving the negotiation application in payment under guarantee and the financing management service generator 22, begin to check client's credit standing;

Step 503: whether credit score is eligible on the net for payment under guarantee and the financing management service generator 22 inspection clients of both parties, if ineligible, then application returned to internet trade service generator 12;

Step 504: payment under guarantee and financing management service generator 22 check whether the client of both parties exists record of bad behavior in one's own profession and People's Bank of China, if exist, then application are returned to internet trade service generator 12;

Step 505: payment under guarantee and financing management service generator 22 is checked the business of the seller client seller negotiations volume that whether transfinites, if add that this business is in excess of the quota, then application is returned to internet trade service generator 12;

Step 506: the handler of bank submits to the interior related personnel of row to examine step by step by protecting Zhi Fuyu financing management service generator 22;

Step 507: do not pass through if examine, then application is returned to internet trade service generator 12;

Step 508: if examine by, then generate the electronics receipt and be kept in the data storage device 24;

Step 509: payment under guarantee and financing management service generator 22 are made loans in real time, and change fund over to the seller in the account of bank;

Step 510: payment under guarantee and financing management service generator 22 are served generator 12 with the back pass of negotiation acknowledgement information to internet trade;

Step 511: bank cashier need carry out collection to buyer client in the negotiation date of expiry, if do not receive fund, then buyer client is changed to bad in payment under guarantee and financing management service generator 22;

Step 512: if return application, then payment under guarantee and financing management service generator 22 will be vetoed information feedback to internet trade service generator 12.

In the such scheme, when the business application was the packing credit application, this method specifically comprised:

Step 601: seller client receives the payment under guarantee postscript on buyer client's trade on the net service generator 12, if need circulating capital before expiring, then selects to handle the packing credit business by internet trade service generator 12; After seller client accepts bank's agreement, the application of input packing credit, and, need enclose digital signature during submission by 12 submissions of internet trade service generator, internet trade service generator 12 sends to the packing credit application payment under guarantee and financing management service generator 22 in real time;

Step 602: after payment under guarantee and financing management service generator 22 are received the packing credit application, begin to check client's credit standing;

Step 603: whether credit score is eligible on the net for payment under guarantee and financing management service generator 22 inspection dealing side clients, if ineligible, then application returned to internet trade service generator 12;

Step 604: payment under guarantee and financing management service generator 22 check whether dealing side client exists record of bad behavior in one's own profession and People's Bank of China, if exist, then application are returned to internet trade service generator 12;

Step 606: payment under guarantee and financing management service generator 22 is checked the business of the seller client's packing credits volume that whether transfinites, if add that this business is in excess of the quota, then application is returned to internet trade service generator 12;

Step 606: the handler of bank submits to the interior related personnel of row to examine step by step by payment under guarantee and financing management service generator 22;

Step 607: do not pass through if examine, then payment under guarantee and financing management service generator 22 returns to internet trade service generator 12 with application;

Step 608: if examine by, then generate the electronics receipt and be kept in the data storage device 24;

Step 609: payment under guarantee and financing management service generator 22 are made loans in real time, and change fund over to the seller in the account of bank;

Step 610: payment under guarantee and financing management service generator 22 are served generator 12 with the back pass of packing credit acknowledgement information to internet trade;

Step 611: the teller handles in bank need carry out collection to seller client in the packing credit date of expiry, if do not receive fund, then seller client is changed to bad by payment under guarantee and financing management service generator 22;

Step 612: if return application, then payment under guarantee and financing management service generator 22 will be vetoed information feedback to internet trade service generator 12.

In the such scheme, when the business application was the application of buyer's negotiation, this method specifically comprised:

Step 701: the payment under guarantee postscript is handled in application on buyer client's trade on the net service generator 12, if the financial insolvency fund is given the seller at the date of maturity, then selects to handle buyer's negotiation business by internet trade service generator 12; After buyer client accepts bank's agreement, the application of input negotiation, and, need enclose digital signature during submission by 12 submissions of internet trade service generator, internet trade service generator 12 sends to the negotiation application payment under guarantee and financing management service generator 22 in real time;

Step 702: after payment under guarantee and financing management service generator 22 are received the negotiation application, begin to check client's credit standing;

Step 703: whether credit score is eligible on the net for payment under guarantee and financing management service generator 22 inspection buyer clients, if ineligible, then application returned to internet trade service generator 12;

Step 704: payment under guarantee and financing management service generator 22 check whether buyer client exists record of bad behavior in one's own profession and People's Bank of China, if exist, then application are returned to internet trade service generator 12;

Step 707: payment under guarantee and financing management service generator 22 is checked the business of the client buyer's negotiations volume that whether transfinites, if add that this business is in excess of the quota, then application is returned to internet trade service generator 12;

Step 706: the handler of bank submits to the interior related personnel of row to examine step by step by payment under guarantee and financing management service generator 22;

Step 707: do not pass through if examine, then application is returned to internet trade service generator 12;

Step 708: if examine by, then generate the electronics receipt and be kept in the data storage device 24;

Step 709: payment under guarantee and financing management service generator 22 are made loans in real time, and change fund over to the seller in the account of bank;

Step 710: payment under guarantee and financing management service generator 22 are served generator 12 with the back pass of negotiation acknowledgement information to internet trade;

Step 711: the teller handles in bank need carry out collection to buyer client in the negotiation date of expiry, if do not receive fund, then buyer client is changed to bad by payment under guarantee and financing management service generator 22;

Step 712: if return application, then payment under guarantee and financing management service generator 22 will be vetoed information feedback to internet trade service generator 12.

In the such scheme, when the business application is that this method specifically comprises when paying at maturity application:

Step 801: buyer client receive goods and examine goods by after, in bank account, prepare payment;

Step 802: buyer client confirms payment by internet trade service generator 12, needs buyer client to carry out digital signature during payment;

Step 803: internet trade service generator 12 real-time informing bank guarantee Zhi Fuyu financing managements service generator 22 carries out foreign payment;

Step 804: bank guarantee Zhi Fuyu financing management service generator 22 is prepared to withhold;

Step 805: payment under guarantee and financing management service generator 22 check whether buyer's account amount of money is full-amount;

Step 806: if buyer's account balance deficiency, payment under guarantee and financing management service generator 22 are provided money advanced for somebody to be paid back later automatically, and generate the electronics receipt in payment under guarantee and financing management service generator 22;

Step 807: payment under guarantee and financing management service generator 22 checks whether these professional sellers apply for that negotiation or packing credit do not give back;

Step 808: if exist seller's negotiation or packing credit not to give back, then payment under guarantee and financing management service generator 22 is used for giving back seller's negotiation or packing credit with buyer's fund;

Step 809: if do not have seller's negotiation fund or packing credit to give back, then payment under guarantee and financing management service generator 22 gives seller's account with fund;

Step 810: payment under guarantee and financing management service generator 22 are served generator 12 with payment result information and the back pass of money advanced for somebody to be paid back later information to internet trade.

(3) beneficial effect

From technique scheme as can be seen, the present invention has following beneficial effect:

1, the system and method for this realization internet trade payment under guarantee provided by the invention and financing, by related service system of bank is docked with e-commerce website, realize fiduciary internet trade being handled payment under guarantee and financing, payment under guarantee book are opened, seller's negotiation, packing credit, buyer's negotiation and business such as pay at maturity, overcome the defective that bank's tradition will be established letter of credit at the cabinet face, realized all-electronic processing, and can allow the client not need to use the middle means of payment of e-commerce website just can carry out internet trade.

2, the system and method for this realization internet trade payment under guarantee provided by the invention and financing, all business are all Network Based to be handled, do not need the client to travel to and fro between bank and carry out internet trade and financing with regard to staying indoors, bank does not need to scan a large amount of paper materials yet, realization can verify the authenticity of client trading on the net, and omitted the examination of a large amount of paper material of bank.

3, the system and method for this realization internet trade payment under guarantee provided by the invention and financing, pay by bank guarantee, the client can not use the middle means of payment of e-commerce website, the guaranty money that need not prestore just can carry out internet trade, can effectively improve the flowability of clients fund, and overcome the e-commerce website guaranty money that prestores and disregarded the problem of interest on deposit, there has been the guarantee of bank also to solve the client simultaneously and under temporary situation about being hard up for money, also can have placed an order, and can obtain the seller's approval.

4, the system and method for this realization internet trade payment under guarantee provided by the invention and financing, under the bank guarantee payout status, the buyer and the seller can handle provide financing services by basic this, have overcome to use the middle means of payment of e-commerce website can not carry out the shortcoming of follow-up financing.

Description of drawings

Fig. 1 is the structural representation of realization internet trade payment under guarantee provided by the invention and financial system;

Fig. 2 is the structural representation of payment under guarantee and financing management service generator;

Fig. 3 is the method flow diagram of realization internet trade payment under guarantee provided by the invention and financial system;

Fig. 4 is a method flow diagram of realizing payment under guarantee and provide financing services according to the embodiment of the invention;

Fig. 5 opens professional method flow diagram according to embodiment of the invention realization payment under guarantee book;

Fig. 6 is a method flow diagram of realizing seller's negotiation business according to the embodiment of the invention;

Fig. 7 is a method flow diagram of realizing the packing credit business according to the embodiment of the invention;

Fig. 8 is a method flow diagram of realizing buyer's negotiation business according to the embodiment of the invention;

Fig. 9 is according to the embodiment of the invention realize the expiring method flow diagram of payment transaction.

Embodiment

For making the purpose, technical solutions and advantages of the present invention clearer, below in conjunction with specific embodiment, and with reference to accompanying drawing, the present invention is described in more detail.

The present invention is docked related service system of bank with e-commerce website, bank accepts that payment under guarantee and financing, payment under guarantee book under the internet trade background that the client submits to from the website opened, seller's negotiation, packing credit, buyer's negotiation and professional application the such as pay at maturity, and according to the client conclude the business on the net accumulation the credit score and examine the processing related service in the credit standing of bank, the payment under guarantee and the provide financing services of examining agreement are directly carried out accounting processing, and the result feeds back to the client by e-commerce website the most at last.

As shown in Figure 1, Fig. 1 is the structural representation of realization internet trade payment under guarantee provided by the invention and financial system, this system mainly is made up of banking system and electronic business web station system two parts, mainly comprises internet trade service processing device 1, bank service treating apparatus 2, teller terminal 3 and client terminal 4.Internet trade service processing device 1 and bank service treating apparatus 2 are connected by the internet, and client terminal 4 and internet trade service processing device 1 are connected by the internet, and teller terminal 3 is connected by bank's internal network with bank service treating apparatus 2.

Wherein, internet trade service processing device 1 is the set of a series of service units of providing of e-commerce website, is used to receive client's request of access, and the client is carried out authentication, transaction to internet trade is handled, and is responsible for and banking system is carried out communication.

Bank service treating apparatus 2 is set of a series of service units of providing of bank, be used to realize communication with internet trade service processing device 1, receive the business application that client terminal 4 is submitted to by internet trade service processing device 1, and the visit of reception teller terminal 3, teller terminal 3 is carried out authentication, realize the business processing flow and the accounting processing of bank inside.

Teller terminal 3 is used to realize bank cashier login bank service treating apparatus 2, handles and audit approving persons at different levels use for banking, and be a PC that browser software is installed, or device that can operate browser software.

Client terminal 4 is used to realize that the client logins internet trade service processing device 1, is a PC that browser software is installed, or the mobile communication terminal with function of surfing the Net.

Internet trade service processing device 1 comprises that further authenticated client device 11, internet trade service generator 12 and website outreach device 13.Authenticated client device 11 and website outreach device 13 and are connected to internet trade service generator 12, and trade service generator 12 is connected with client terminal 4 by the internet.

Wherein, authenticated client device 11 is called by internet trade service generator 12; key and cryptographic algorithm are provided; be used to verify client identity; be visit internet trade service processing device, and submit to payment under guarantee, the employed information data of financing application instruction to carry out safeguard protection and digital signature.

Internet trade service generator 12 is used to realize client enrollment, client information management, the management of client's credit score, seller's commodity information management, merchandise query, order submission, payment under guarantee application, the application of buyer's negotiation, the application of seller's negotiation and packing credit application function, and digital signature is carried out in the instruction of client's order submission, payment under guarantee and relevant provide financing services digital certificate for ratification.

The website outreaches that device 13 is used to realize that internet trade service processing device 1 is connected with the communication of bank service treating apparatus 2, application protocol conversion, message assembling, overtime control, safety management and log management function.

Bank service treating apparatus 2 further comprises: bank outreaches device 21, payment under guarantee and financing management service generator 22, teller identification device 23 and data storage device 24.Bank outreaches device 21, teller identification device 23 and data storage device 24 and is connected to payment under guarantee and financing management service generator 22, financing management service generator 22 is connected with teller terminal 3, and bank outreaches device 21 and outreaches device 13 with the website of internet trade service processing device 1 and be connected.

Wherein, bank outreach that device 21 is used to realize that bank is connected with the communication of ambient systems, function such as application protocol conversion, message assembling, overtime control, safety management and log management;

Payment under guarantee and financing management service generator 22 are used to provide client information management, payment under guarantee is handled with the financing application, business approval is handled, financing management, the agreement registration, receipt management and financing quota management function, interface with internet trade service generator 12 is provided, receive the professional application information that the service of trade from network generator 12 is sent, remind the handler, after the handler examines relevant information and client's credit standing, submit to the inner person in charge of bank to examine, examine by after carry out accounting processing, handle audit not by or finally examine and do not pass through, all will veto the related service application, result feeds back to internet trade service generator 12 the most at last.

Teller identification device 23 is used for bank cashier is carried out authentication processing, bank cashier must be logined before using bank service treating apparatus 2, bank cashier is inputed user name on teller terminal 3, the authentication information of password, teller terminal 3 sends to payment under guarantee and financing management service generator 22 with teller's information via internal network, payment under guarantee and financing management service generator 22 are issued teller identification device 23 with teller's information and are authenticated, authentication result will be returned payment under guarantee and financing management service generator 22, and payment under guarantee and financing management service generator 22 carry out subsequent treatment in view of the above.

Data storage device 24 is used to deposit customer information, client's limit information, protocol information, transaction application information, business approval information, payment under guarantee information, receipt information, financing processing managing detailed catalogue, the information that pays at maturity and teller's information etc.

As shown in Figure 2, Fig. 2 is the structural representation of payment under guarantee and financing management service generator, and this payment under guarantee comprises that with financing management service generator main control unit 220, client information management unit 221, professional application processing unit 222, business approval processing unit 223, electronics payment under guarantee inteilectual become unit 224, electronics receipt generation unit 225, protocol management elements 226, the administrative unit that pays at maturity 227, collection administrative unit 228, financing quota management unit 229, Account Disposal unit 2210 and daily management unit 2211.Described client information management unit 221, professional application processing unit 222, business approval processing unit 223, electronics payment under guarantee inteilectual become unit 224, electronics receipt generation unit 225, protocol management elements 226, the administrative unit that pays at maturity 227, collection administrative unit 228, financing quota management unit 229, Account Disposal unit 2210 and daily management unit 2211 to be connected to main control unit 220.Each functional unit further is described below with reference to Fig. 2:

Main control unit 220, this main control unit 220 is total inlets of all business processing requests, reception outreaches the request of device 21 and teller terminal 3 from bank, the distribution processor of concluding the business, comprise and resolve the client requests data, create data model and call the processing module processing, after transaction processing finishes, return result.

Client information management unit 221 is used to write down and safeguard the customer information that the service of trade from network generator 12 obtains, and registers bad client.

Professional application processing unit 222, be used to accept and register the every professional application that the client submits to by internet trade service generator 12, comprise the application of payment under guarantee, buyer's negotiation, seller's negotiation, packing credit, comprise essential information and credit standing that the client registers simultaneously on the net.

Business approval processing unit 223, the professional application of each that is used for client terminal 4 is submitted to is examined and is examined, comprise the handler checks whether the online credit score of client eligible, whether the client exist record of bad behavior in one's own profession and People's Bank of China, and client's volume that whether transfinites, audit submits to personnel at different levels to examine by the back handler, personnel at different levels have access to relevant information in the process of examining, express an opinion, and finally whether agree that by highest weight limit approver decision the client applies for.

Electronics payment under guarantee inteilectual becomes unit 224, be used in the payment under guarantee application by after examining, automatically generate electronics payment under guarantee book, the content of letter of guarantee comprises payment under guarantee book numbering, client's type of credential, passport NO., customer name, the guarantee term of validity, payment under guarantee Currency Type, the payment under guarantee amount of money, beneficiary's type of credential, beneficiary's passport NO. and beneficiary's title.

Electronics receipt generation unit 225, be used in seller's negotiation, buyer's negotiation, packing credit application by after examining, automatically generate the electronics receipt, the receipt content comprises client's type of credential, passport NO., customer name, receipt numbering, financing Currency Type, the financing amount of money, provides day, date of expiry, finance rate, the number of the account of making loans and receipt treatment state.

Protocol management elements 226 is used to write down and safeguards every business and the agreement of client's signing and the change situation of agreement, has access to use for the content personnel of bank, and recorded content comprises professional kind, protocol contents, date of publication, Date Of Change and changed content; Announce on the protocol contents trade on the net simultaneously service generator 12.

The administrative unit 227 that pays at maturity, be used for the buyer receive goods and examine goods by, confirm payment after, buyer's fund is given seller's account, to the part of buyer's account deficiency, bank advance is given the seller, and generates a receipt of giving the buyer simultaneously.

Collection administrative unit 228 is used for before financing expires, and generates alerts list and gives the handler, reminds the client to prepare fund by the handler, regularly carries out collection to after date.

Financing quota management unit 229 is used for client's category is set maximum payment under guarantee and financing limit, and the client can be recycled in amount, surpasses amount new business can not take place.

Account Disposal unit 2210, be used for after the electronics receipt of seller's negotiation, buyer's negotiation, packing credit generates, the processing that keeps accounts of financing and providing, expire after the client confirms to give back financing in buyer's negotiation and packing credit, receive the client and give back the processing of withholing after the instruction, if when paying at maturity the client Sorry, your ticket has not enough value, the payment processes of paying for.

Daily management unit 2211 is used to safeguard teller's essential information, teller role, teller's authority, branch offices's essential information and every systematic parameter etc.

Based on the system of realization internet trade payment under guarantee illustrated in figures 1 and 2 and financing, Fig. 3 shows the method flow diagram of realization internet trade payment under guarantee provided by the invention and financing, and this method specifically may further comprise the steps:

Step 201: the bank service treating apparatus receives the business application under the internet trade background that client terminal submits to by the internet trade service processing device, and this business application is that payment under guarantee is opened application, the application of seller's negotiation, packing credit application, the application of buyer's negotiation with financing application, payment under guarantee book and in applying at least one of paying at maturity;

Step 202: the bank service treating apparatus is examined processing according to the conclude the business credit score of accumulation and in the credit standing of bank of client to this business application on the net, if examine by, then execution in step 203; Otherwise, execution in step 204:

Step 203: the bank service treating apparatus carries out accounting processing to examining the business application of passing through, and net result is fed back to client terminal by the internet trade service processing device, finishes.

Step 204: process ends.

When the business application was payment under guarantee and financing application, Fig. 4 showed the method flow diagram of realizing payment under guarantee and provide financing services according to the embodiment of the invention, and this method specifically comprises:

When the business application is that the payment under guarantee book is opened when application, Fig. 5 shows according to the embodiment of the invention and realizes that the payment under guarantee book opens professional method flow diagram, and this method specifically comprises:

When the business application was the application of seller's negotiation, Fig. 6 showed the method flow diagram of realizing seller's negotiation business according to the embodiment of the invention, and this method specifically comprises:

Step 501: seller client receives the payment under guarantee postscript on buyer client's trade on the net service generator 12, if need fund before expiring, then selects to handle seller's negotiation business by internet trade service generator 12; After seller client accepts bank's agreement, the application of input negotiation, and, need enclose digital signature during submission by 12 submissions of internet trade service generator, internet trade service generator 12 sends to the negotiation application payment under guarantee and financing management service generator 22 in real time;

When the business application was the packing credit application, Fig. 7 showed the method flow diagram of realizing the packing credit business according to the embodiment of the invention, and this method specifically comprises:

Step 601: seller client receives the payment under guarantee postscript on buyer client's trade on the net service generator 12, if need fund before expiring, then selects to handle the packing credit business by internet trade service generator 12; After seller client accepts bank's agreement, the application of input packing credit, and, need enclose digital signature during submission by 12 submissions of internet trade service generator, internet trade service generator 12 sends to the packing credit application payment under guarantee and financing management service generator 22 in real time;

When the business application was the application of buyer's negotiation, Fig. 8 showed the method flow diagram of realizing buyer's negotiation business according to the embodiment of the invention, and this method specifically comprises:

When the business application is when application of paying at maturity, Fig. 9 shows according to the embodiment of the invention realize the expiring method flow diagram of payment transaction, and this method specifically comprises:

Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is specific embodiments of the invention; be not limited to the present invention; within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.

Claims

1, a kind of system that realizes internet trade payment under guarantee and financing is characterized in that, this system comprises:

Internet trade service processing device (1) is the set of a series of service units of providing of e-commerce website, is used to receive client's request of access, and the client is carried out authentication, the transaction of internet trade is handled, and be responsible for and banking system is carried out communication;

Bank service treating apparatus (2), it is the set of a series of service units of providing of bank, be used for the communication of realization and internet trade service processing device (1), receive the business application that client terminal (4) is submitted to by internet trade service processing device (1), and the visit of reception teller terminal (3), teller terminal (3) is carried out authentication, realize the business processing flow and the accounting processing of bank inside;

Teller terminal (3) is used to realize bank cashier login bank service treating apparatus (2); And

Client terminal (4) is used to realize that the client logins internet trade service processing device (1).

2, the system of realization internet trade payment under guarantee according to claim 1 and financing, it is characterized in that, described internet trade service processing device (1) is connected by the internet with bank service treating apparatus (2), client terminal (4) is connected by the internet with internet trade service processing device (1), and teller terminal (3) is connected by bank's internal network with bank service treating apparatus (2).

3, the system of realization internet trade payment under guarantee according to claim 1 and financing is characterized in that, described internet trade service processing device (1) comprising:

Authenticated client device (11), call by internet trade service generator (12), key and cryptographic algorithm are provided, be used to verify client identity, be visit internet trade service processing device, and submit to payment under guarantee, the employed information data of financing application instruction to carry out safeguard protection and digital signature;

Internet trade service generator (12), be used to realize client enrollment, client information management, the management of client's credit score, seller's commodity information management, merchandise query, order submission, payment under guarantee application, the application of buyer's negotiation, the application of seller's negotiation and packing credit application function, digital signature is carried out in the instruction of client's order submission, payment under guarantee and relevant provide financing services digital certificate for ratification;

The website outreaches device (13), is used to realize that internet trade service processing device (1) is connected with the communication of bank service treating apparatus (2), application protocol conversion, message assembling, overtime control, safety management and log management function.

4, the system of realization internet trade payment under guarantee according to claim 3 and financing, it is characterized in that, described authenticated client device (11) and website outreach device (13) and are connected to internet trade service generator (12), and trade service generator (12) is connected with client terminal (4) by the internet.

5, the system of realization internet trade payment under guarantee according to claim 1 and financing is characterized in that, described bank service treating apparatus (2) comprising:

Bank outreaches device (21), is used to realize that bank is connected with the communication of ambient systems, application protocol conversion, message assembling, overtime control, safety management and log management function;

Payment under guarantee and financing management service generator (22), be used to provide client information management, payment under guarantee is handled with the financing application, business approval is handled, financing management, the agreement registration, receipt management and financing quota management function, interface with internet trade service generator (12) is provided, receive the professional application information that the service generator of trade from network (12) is sent, remind the handler, after the handler examines relevant information and client's credit standing, submit to the inner person in charge of bank to examine, examine by after carry out accounting processing, handle audit not by or finally examine and do not pass through, all will veto the related service application, result feeds back to internet trade service generator (12) the most at last;

Teller identification device (23), be used for bank cashier is carried out authentication processing, bank cashier is using preceding must the login of bank service treating apparatus (2), bank cashier is inputed user name on teller terminal (3), the authentication information of password, teller terminal (3) sends to payment under guarantee and financing management service generator (22) with teller's information via internal network, payment under guarantee and financing management service generator (22) are issued teller identification device (23) with teller's information and are authenticated, authentication result will be returned payment under guarantee and financing management service generator (22), and payment under guarantee and financing management service generator (22) carry out subsequent treatment in view of the above;

Data storage device (24) is used to deposit customer information, client's limit information, protocol information, transaction application information, business approval information, payment under guarantee information, receipt information, financing processing managing detailed catalogue, the information that pays at maturity and teller's information.

6, the system of realization internet trade payment under guarantee according to claim 5 and financing, it is characterized in that, described bank outreaches device (21), teller identification device (23) and data storage device (24) and is connected to payment under guarantee and financing management service generator (22), financing management service generator (22) is connected with teller terminal (3), and bank outreaches device (21) and outreaches device (13) with the website of internet trade service processing device (1) and be connected.

7, the system of realization internet trade payment under guarantee according to claim 5 and financing is characterized in that, described payment under guarantee and financing management service generator (22) comprising:

Main control unit (220), this main control unit (220) is total inlet of all business processing requests, reception outreaches the request of device (21) and teller terminal (3) from bank, the distribution processor of concluding the business, comprise and resolve the client requests data, create data model and call the processing module processing, after transaction processing finishes, return result;

Client information management unit (221) is used for record and safeguards the customer information that the service generator of trade from network (12) obtains, and registers bad client;

Professional application processing unit (222), be used to accept and register the client and serve the every professional application that generator (12) is submitted to by internet trade, comprise the application of payment under guarantee, buyer's negotiation, seller's negotiation, packing credit, comprise essential information and credit standing that the client registers simultaneously on the net;

Business approval processing unit (223), the professional application of each that is used for client terminal (4) is submitted to is examined and is examined, comprise the handler checks whether the online credit score of client eligible, whether the client exist record of bad behavior in one's own profession and People's Bank of China, and client's volume that whether transfinites, audit submits to personnel at different levels to examine by the back handler, personnel at different levels have access to relevant information in the process of examining, express an opinion, and finally whether agree that by highest weight limit approver decision the client applies for;

Electronics payment under guarantee inteilectual becomes unit (224), be used in the payment under guarantee application by after examining, automatically generate electronics payment under guarantee book, the content of letter of guarantee comprises payment under guarantee book numbering, client's type of credential, passport NO., customer name, the guarantee term of validity, payment under guarantee Currency Type, the payment under guarantee amount of money, beneficiary's type of credential, beneficiary's passport NO. and beneficiary's title;

Electronics receipt generation unit (225), be used in seller's negotiation, buyer's negotiation, packing credit application by after examining, automatically generate the electronics receipt, the receipt content comprises client's type of credential, passport NO., customer name, receipt numbering, financing Currency Type, the financing amount of money, provides day, date of expiry, finance rate, the number of the account of making loans and receipt treatment state;

Protocol management elements (226) is used to write down and safeguards every business and the agreement of client's signing and the change situation of agreement, has access to use for the content personnel of bank, and recorded content comprises professional kind, protocol contents, date of publication, Date Of Change and changed content; The protocol contents service generator of trade on the net simultaneously (12) is gone up and is announced;

The administrative unit that pays at maturity (227), be used for the buyer receive goods and examine goods by, confirm payment after, buyer's fund is given seller's account, to the part of buyer's account deficiency, bank advance is given the seller, and generates a receipt of giving the buyer simultaneously;

Collection administrative unit (228) is used for before financing expires, and generates alerts list and gives the handler, reminds the client to prepare fund by the handler, regularly carries out collection to after date;

Financing quota management unit (229) is used for client's category is set maximum payment under guarantee and financing limit, and the client can be recycled in amount, surpasses amount new business can not take place;

Account Disposal unit (2210), be used for after the electronics receipt of seller's negotiation, buyer's negotiation, packing credit generates, the processing that keeps accounts of financing and providing, expire after the client confirms to give back financing in buyer's negotiation and packing credit, receive the client and give back the processing of withholing after the instruction, if when paying at maturity the client Sorry, your ticket has not enough value, the payment processes of paying for;

Daily management unit (2211) is used to safeguard teller's essential information, teller role, teller's authority, branch offices's essential information and every systematic parameter.

8, the system of realization internet trade payment under guarantee according to claim 7 and financing, it is characterized in that described client information management unit (221), professional application processing unit (222), business approval processing unit (223), electronics payment under guarantee inteilectual becomes unit (224), electronics receipt generation unit (225), protocol management elements (226), the administrative unit that pays at maturity (227), collection administrative unit (228), financing quota management unit (229), Account Disposal unit (2210) and daily management unit (2211) are connected to main control unit (220).

9, the system of realization internet trade payment under guarantee according to claim 1 and financing is characterized in that, described client terminal (4) is a PC that browser software is installed, or the mobile communication terminal with function of surfing the Net;

Described teller terminal (3) is used for handling and audit approving persons at different levels use for banking, is a PC that browser software is installed, or device that can operate browser software.

10, a kind of method that realizes internet trade payment under guarantee and financing is applied to the system of claim 1 described realization internet trade payment under guarantee and financing, it is characterized in that this method comprises:

11, the method for realization internet trade payment under guarantee according to claim 10 and financing is characterized in that, when the business application was payment under guarantee and financing application, this method specifically comprised:

Step 301: after choosing commodity and submit order on buyer client's trade on the net service generator (12), select to handle the bank guarantee payment;

Step 302: after buyer client accepts bank's agreement, submit to the payment under guarantee application to give bank service treating apparatus (2) by internet trade service generator (12);

Step 303: bank service treating apparatus (2) feeds back to buyer client with relevant information after agreeing to handle, and seller client serves generator (12) by internet trade and receives relevant payment under guarantee information simultaneously;

Step 307: if provisional financing, the seller serves generator (12) by internet trade and handles packing credit, and the after date of providing a loan is refunded to bank by the buyer;

Step 308: if negotiation is withdrawn deposit in advance, the seller serves generator (12) by internet trade and handles seller's negotiation, and seller's negotiation is that the seller transfers bank with bill and account receivable power, gives bank to after date by buyer's direct payment, repays the seller's negotiation;

Step 310: if the buyer needs financing, the buyer serves generator (12) by internet trade and handles buyer's negotiation, and the fund of negotiation is used for payment and gives the seller;

12, the method for realization internet trade payment under guarantee according to claim 10 and financing is characterized in that, when the business application is that the payment under guarantee book is opened when application, this method specifically comprises:

Step 401: after choosing commodity and submit order on buyer client's trade on the net service generator (12), if the means of payment that do not adopt e-commerce website and provided, also do not wish bank's cabinet face transacting business, then the service generator of trade on the net (12) is gone up and is selected to handle the bank electronic payment under guarantee;

Step 402: after accepting bank's agreement on buyer client's trade on the net service generator (12), the application of input payment under guarantee, and by internet trade service generator (12) submission, need enclose digital signature during submission, internet trade service generator (12) sends to the payment under guarantee application payment under guarantee and financing management service generator (22) in real time;

Step 403: after payment under guarantee and financing management service generator (22) are received the application of electronics payment under guarantee, begin to initiate to check client's credit standing;

Step 404: whether credit score is eligible on the net for payment under guarantee and financing management service generator (22) inspection client, if ineligible, then payment under guarantee and financing management service generator (22) is return application;

Step 405: payment under guarantee and financing management service generator (22) check whether the client exists record of bad behavior in one's own profession and People's Bank of China, if exist, then payment under guarantee and financing management service generator (22) is return application;

Step 406: payment under guarantee and financing management service generator (22) is checked the business of the client's payment under guarantee volume that whether transfinites, if add that this business is in excess of the quota, then payment under guarantee and financing management are served generator (22) and return application;

Step 407: the handler of bank submits to the interior related personnel of row to examine step by step by payment under guarantee and financing management service generator (22);

Step 408: do not pass through if examine, then payment under guarantee and financing management service generator (22) returns to internet trade service generator (12) with application;

Step 409: if examine by, then generate electronics payment under guarantee book and be kept in the data storage device (24);

Step 410: payment under guarantee and financing management service generator (22) feed back to internet trade service generator (12) with electronics payment under guarantee book;

Step 411: if return application, then payment under guarantee and financing management service generator (22) will be vetoed information feedback and serve generator (12) to internet trade.

13, the method for realization internet trade payment under guarantee according to claim 10 and financing is characterized in that, when the business application was the application of seller's negotiation, this method specifically comprised:

Step 501: seller client receives the payment under guarantee postscript on buyer client's trade on the net service generator (12), if need circulating capital before expiring, then selects to handle seller's negotiation business by internet trade service generator (12); After seller client accepts bank's agreement, the application of input negotiation, and, need enclose digital signature during submission by internet trade service generator (12) submission, internet trade service generator (12) sends to the negotiation application payment under guarantee and financing management service generator (22) in real time;

Step 502: after receiving the negotiation application in payment under guarantee and the financing management service generator (22), begin to check client's credit standing;

Step 503: whether credit score is eligible on the net for payment under guarantee and financing management service generator (22) the inspection client of both parties, if ineligible, then application returned to internet trade service generator (12);

Step 504: payment under guarantee and financing management service generator (22) check whether the client of both parties exists record of bad behavior in one's own profession and People's Bank of China, if exist, then application are returned to internet trade service generator (12);

Step 505: payment under guarantee and financing management service generator (22) is checked the business of the seller client seller negotiation volume that whether transfinites, if add that this business is in excess of the quota, then application is returned to internet trade service generator (12);

Step 506: the handler of bank submits to the interior related personnel of row to examine step by step by protecting Zhi Fuyu financing management service generator (22);

Step 507: do not pass through if examine, then application is returned to internet trade service generator (12);

Step 508: if examine by, then generate the electronics receipt and be kept in the data storage device (24);

Step 509: payment under guarantee and financing management service generator (22) are made loans in real time, and change fund over to the seller in the account of bank;

Step 510: payment under guarantee and financing management service generator (22) are served generator (12) with the back pass of negotiation acknowledgement information to internet trade;

Step 511: bank cashier need carry out collection to buyer client in the negotiation date of expiry, if do not receive fund, then buyer client is changed to bad in payment under guarantee and financing management service generator (22);

Step 512: if return application, then payment under guarantee and financing management service generator (22) will be vetoed information feedback and serve generator (12) to internet trade.

14, the method for realization internet trade payment under guarantee according to claim 10 and financing is characterized in that, when the business application was the packing credit application, this method specifically comprised:

Step 601: seller client receives the payment under guarantee postscript on buyer client's trade on the net service generator (12), if need circulating capital before expiring, then selects to handle the packing credit business by internet trade service generator (12); After seller client accepts bank's agreement, the application of input packing credit, and by internet trade service generator (12) submission, need enclose digital signature during submission, internet trade service generator (12) sends to the packing credit application payment under guarantee and financing management service generator (22) in real time;

Step 602: after payment under guarantee and financing management service generator (22) are received the packing credit application, begin to check client's credit standing;

Step 603: whether credit score is eligible on the net for payment under guarantee and financing management service generator (22) inspection dealing side client, if ineligible, then application returned to internet trade service generator (12);

Step 604: payment under guarantee and financing management service generator (22) check whether dealing side client exists record of bad behavior in one's own profession and People's Bank of China, if exist, then application are returned to internet trade service generator (12);

Step 606: payment under guarantee and financing management service generator (22) is checked the business of the seller client's packing credit volume that whether transfinites, if add that this business is in excess of the quota, then application is returned to internet trade service generator (12);

Step 606: the handler of bank submits to the interior related personnel of row to examine step by step by payment under guarantee and financing management service generator (22);

Step 607: do not pass through if examine, then payment under guarantee and financing management service generator (22) returns to internet trade service generator (12) with application;

Step 608: if examine by, then generate the electronics receipt and be kept in the data storage device (24);

Step 609: payment under guarantee and financing management service generator (22) are made loans in real time, and change fund over to the seller in the account of bank;

Step 610: payment under guarantee and financing management service generator (22) are served generator (12) with the back pass of packing credit acknowledgement information to internet trade;

Step 611: the teller handles in bank need carry out collection to seller client in the packing credit date of expiry, if do not receive fund, then seller client is changed to bad by payment under guarantee and financing management service generator (22);

Step 612: if return application, then payment under guarantee and financing management service generator (22) will be vetoed information feedback and serve generator (12) to internet trade.

15, the method for realization internet trade payment under guarantee according to claim 10 and financing is characterized in that, when the business application was the application of buyer's negotiation, this method specifically comprised:

Step 701: buyer client's trade on the net service generator (12) is gone up application and is handled the payment under guarantee postscript, if the financial insolvency fund is given the seller at the date of maturity, then selects to handle buyer's negotiation business by internet trade service generator (12); After buyer client accepts bank's agreement, the application of input negotiation, and, need enclose digital signature during submission by internet trade service generator (12) submission, internet trade service generator (12) sends to the negotiation application payment under guarantee and financing management service generator (22) in real time;

Step 702: after payment under guarantee and financing management service generator (22) are received the negotiation application, begin to check client's credit standing;

Step 703: whether credit score is eligible on the net for payment under guarantee and financing management service generator (22) inspection buyer client, if ineligible, then application returned to internet trade service generator (12);

Step 704: payment under guarantee and financing management service generator (22) check whether buyer client exists record of bad behavior in one's own profession and People's Bank of China, if exist, then application are returned to internet trade service generator (12);

Step 707: payment under guarantee and financing management service generator (22) is checked the business of the client buyer's negotiation volume that whether transfinites, if add that this business is in excess of the quota, then application is returned to internet trade service generator (12);

Step 706: the handler of bank submits to the interior related personnel of row to examine step by step by payment under guarantee and financing management service generator (22);

Step 707: do not pass through if examine, then application is returned to internet trade service generator (12);

Step 708: if examine by, then generate the electronics receipt and be kept in the data storage device (24);

Step 709: payment under guarantee and financing management service generator (22) are made loans in real time, and change fund over to the seller in the account of bank;

Step 710: payment under guarantee and financing management service generator (22) are served generator (12) with the back pass of negotiation acknowledgement information to internet trade;

Step 711: the teller handles in bank need carry out collection to buyer client in the negotiation date of expiry, if do not receive fund, then buyer client is changed to bad by payment under guarantee and financing management service generator (22);

Step 712: if return application, then payment under guarantee and financing management service generator (22) will be vetoed information feedback and serve generator (12) to internet trade.

16, the method for realization internet trade payment under guarantee according to claim 10 and financing is characterized in that, when the business application is that this method specifically comprises when paying at maturity application:

Step 802: buyer client serves generator (12) by internet trade and confirms payment, needs buyer client to carry out digital signature during payment;

Step 803: internet trade service generator (12) real-time informing bank guarantee Zhi Fuyu financing management service generator (22) carries out foreign payment;

Step 804: bank guarantee Zhi Fuyu financing management service generator (22) is prepared to withhold;

Step 805: payment under guarantee and financing management service generator (22) check whether buyer's account amount of money is full-amount;

Step 806: if buyer's account balance deficiency, payment under guarantee and financing management service generator (22) are provided money advanced for somebody to be paid back later automatically, and generate the electronics receipt in payment under guarantee and financing management service generator (22);

Step 807: payment under guarantee and financing management service generator (22) checks whether this professional seller applies for that negotiation or packing credit do not give back;

Step 808: if exist seller's negotiation or packing credit not to give back, then payment under guarantee and financing management service generator (22) is used for giving back seller's negotiation or packing credit with buyer's fund;

Step 809: if do not have seller's negotiation fund or packing credit to give back, then payment under guarantee and financing management service generator (22) gives seller's account with fund;

Step 810: payment under guarantee and financing management service generator (22) are served generator (12) with payment result information and the back pass of money advanced for somebody to be paid back later information to internet trade.