CN104346719A - Networked transaction payment platform and payment method - Google Patents
Networked transaction payment platform and payment method Download PDFInfo
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- CN104346719A CN104346719A CN201310336665.5A CN201310336665A CN104346719A CN 104346719 A CN104346719 A CN 104346719A CN 201310336665 A CN201310336665 A CN 201310336665A CN 104346719 A CN104346719 A CN 104346719A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/01—Customer relationship services
Abstract
The invention provides a networked transaction payment platform and a networked transaction payment method, in particular to a payment platform and a payment method relating to commodity purchasing and selling and service industry transaction. The networked transaction payment platform comprises three parts of a banking service system, a networked transaction payment platform total system as well as a networked transaction payment platform sub system, and a computer or a mobile phone of a user. According to the networked transaction payment platform and payment method, provided by the invention, the ban-new transaction payment platform and the bran-new transaction payment method are created, thus the commodity purchasing and selling and the service industry transaction can be more standard and honest, the transaction cheat can be effectively avoided, the development of electronic business and service industry transaction payment can be propelled, and huge social benefit and economic benefit are created.
Description
Technical field
The present invention relates to a kind of payment platform and method of payment, particularly relate to a kind of network trading payment platform and method of payment.
Background technology
As everyone knows, current network trading payment platform mainly guarantee transaction payment platform, main representative is Alipay platform, its method of payment is: both parties are when buying goods, payment for goods converges to Alipay platform account by the buyer, platform notifies that the seller delivers, and it is qualified that the buyer examines goods after receiving goods, and notice Alipay platform pays payment for goods to the seller; Goods is defective, buyer's credit, and platform reimbursement is to the buyer.There is following problem in this network trading payment platform and method:
One, in transaction, platform has been occupied buyer and payment for goods has been converged to the fund during platform account trading and saving deposits interest, simultaneously when Transaction Reversal, needs to implement reimbursement, adds the complicacy of platform operations.
Two, this method of commerce is only applicable to buying and selling of commodities transaction, is not suitable for service sector transaction, as intermediary message transaction, transport transaction etc.
Service sector is the tertiary industry except agricultural and industry, and according to the sorting technique of the United Nations and World Trade Organization, service sector mainly comprises 11 large classes:
1, business service (being wherein divided into again the classifications such as professional service, Computer Service, dry lease service);
2, Communications service (being wherein divided into again the classifications such as mail service, express delivery service, telecommunications service, audiovisual service);
3, building and correlation engineering service;
4, distribution service (being wherein divided into again the classifications such as commission agency service, wholesale service, retail service, franchise operation service);
5, education services;
6, environmental services;
7, financial service (being wherein divided into again insurance and insurance related service, bank and the classification such as other financial services, security service); 8, relevant to health service and community service;
9, tourism and the service relevant to travelling;
10, amusement, Culture and Sports service;
11, transportation service (being wherein divided into again the types such as maritime transport service, inland water transport service, Air transportation service, space transportation service, railroad-transportation services, transport by road service, pipeline transportation service, transport assistant service).
Service sector counterparty divides and sells service side and buy service side, and usually buying service side will to selling service side's payment services expense, and sells service side should ensure the service content that both sides arrange and standard in service process.
Intermediary information service is usually sell service side to release news, buy service side for information requirement side, buy service side usually will pay and sell service side's information service expense, buy service side simultaneously and wish that selling service side provides the authenticity of information to tender guarantee to it, therefore, in transaction, both sides should collateralize or guaranty fund, prevents transaction swindling.
Freight transportation transactional services, buy service side for consignor, selling service side is carrier, and consignor wishes that carrier ensures cargo transportation security and sends to goods in time; Carrier wishes consignor timely payment freight charges, and therefore, in transaction, both sides need to provide respective guarantee or deposit, to ensure that transaction is carried out sincerely.
Be more than two guarantee transaction demand cases of service sector transaction, as can be seen here, all service sector transaction all need two guarantee transaction to pay, and traditional payment under guarantee is only applicable to buying and selling of commodities transaction payment, there is no the function of two payment under guarantee, therefore, be not suitable for service industry's transaction payment.
Summary of the invention
The present invention is directed to traditional guarantee transaction platform Problems existing, propose the platform of a kind of new buying and selling of commodities transaction payment and service industry's transaction payment.
Platform of the present invention is made up of three parts:
One, external bank server system;
Two, platform of the present invention;
Three, user computer or mobile phone.
In plateform system of the present invention, arrange seven systems, its title and purposes are:
(1) network and server operational system: run for network and server;
(2) Web page system: run for website and user's service;
(3) client: for user computer or mobile phone-downloaded and service.
(4) user management and service system: for customer service and management;
(5) trade agreement and settlement system: for trade agreement and the management of platform and user and user and user;
(6) buying and selling of commodities trading payment system: for implementing buying and selling of commodities transaction payment
(7) service sector trading payment system: for service implementation industry transaction payment side.
Platform method of payment of the present invention arranges as follows:
One, buying and selling of commodities transaction payment (freezing payment for goods guarantee transaction) method:
Both parties are when logging in the Web page system of platform of the present invention (2) or client (3) carries out commodity or sales of goods, first sign a trade contract by platform trade agreement and settlement system (5), appoint commodity performance and price, then payment for goods is frozen on its credit card or deposit card by platform buying and selling of commodities trading payment system (6) by the buyer, at this moment platform notifies that the seller delivers, after goods to the buyer, the buyer according to a preconcerted arrangement commodity performance examines goods, qualified, and notification platform thaws payment for goods remit money to the seller; Defective, buyer's credit, after the seller receives the return of goods, platform notifying bank thaws the payment for goods that the buyer freezes.
Two, service sector transaction payment (both sides' guarantee transaction) method:
First, sell service side and log in platform Web page system (2) of the present invention or client (3) with dealing service side, then sign a trade contract by platform trade agreement and settlement system (5), then enter service sector trading payment system (7).
When both parties are individual, contract engagement by mutual consent by bank by sell service side service timeliness and buy the service fee of service side respectively with the form of guaranty fund, be frozen on respective credit card or deposit card;
When both parties are unit, according to bank's relevant regulations, the guaranty fund of both parties all needs to draw to platform as guarantee;
Both parties, a side is unit, and when a side is individual, then unit guaranty fund need draw platform account, and personal guarantee gold can freeze on its card, also can draw the guarantee of platform account.
Finally, both sides' off-line transaction, after completing, submission advice of settlement is settled accounts to platform.
Beneficial effect
The transaction payment platform that the present invention proposes and method of payment, be a kind of brand-new payment platform and method of payment, have novelty.
Platform of the present invention is the payment technology method that buying and selling of commodities transaction is arranged, and provides payment for goods to freeze guarantee services at card, do not occupy its payment for goods and interest by the buyer, and after having concluded the business, the payment for goods or pay the seller of thawing in time, has ensured the interests of both parties simultaneously.
Platform of the present invention is the payment technology method that service sector transaction is arranged, solve the problem that conventional transaction payment platform is not suitable for service sector transaction, for service sector both parties provide two guarantee transaction to pay, allow and buy service side's guarantee services expense and pay, allow the timeliness of selling service side's guarantee services, thus make the justice of exchange of both parties, just, efficiently avoid the transaction swindling of service sector.
Platform of the present invention and method of payment are widely used in commodity transaction and service sector is concluded the business, and can create huge social benefit and economic benefit.
Accompanying drawing explanation
Fig. 1 is transaction payment platform figure of the present invention
Wherein:
1 is external bank service system;
2 is platform total system of the present invention;
3 is user computer or mobile phone;
4 is platform subsystem of the present invention, wherein
(1) be network and server operational system
(2) be Web page system
(3) be client
(4) be user management and service system
(5) be trade agreement and settlement system
(6) buying and selling of commodities trading payment system
(7) service industry's trading payment system
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the present invention is described:
Platform of the present invention as shown in Figure 1, arranges platform total system 2 of the present invention and is connected with external bank service system 1; Arrange platform total system 2 of the present invention to be connected with user computer or mobile phone 3,7 subsystems arranged in Fig. 1 are connected with platform 2 respectively, form platform of the present invention thus.
The following buying and selling of commodities and service industry's transaction are example, and transaction payment method of the present invention is described:
One, panel TV set bargain transaction pays (freezing payment for goods guarantee) method
1, user is in the Web page system (2) of its computer or mobile phone landing platform or client (3), and log in first and need registration, log in then does not need later.
2, then log in banking system 1 register and open associated bank payment services;
3, the transaction payment flow process of platform is entered:
(1) buyer logs in trade agreement and the settlement system (5) of platform, and appoint televisor performance and price with the seller and sign trade contract, platform is preserved;
(2) buyer passes through the buying and selling of commodities trading payment system (6) of bank service system 1 and platform, and payment for goods be frozen on its credit card or deposit card, platform notifies that seller delivers;
(3) after goods to the buyer, the buyer according to a preconcerted arrangement commodity performance examines goods, and reaches the standard of contract engagement, then notification platform, and guaranty fund of thawing also is remitted money to the seller; Do not reach the standard of contract engagement, then return goods, after the seller receives the return of goods, platform notifying bank thaws the frozen payment for goods of the buyer.
Two, logistics service transaction payment (both sides' guarantee) method
1, user is in the Web page system (2) of its computer or mobile phone landing platform or client (3), and log in first and need registration, log in then does not need later.
2, log in bank service system 1 register and open associated bank payment services.
3, the transaction payment flow process of platform is entered:
(1) carrier and consignor log in trade agreement and the settlement system (5) of platform, signature logistics service trade contract, provisioning service standard, and platform is preserved;
(2) if both parties are individual, the service standard of carrier and the service fee of consignor by the service sector trading payment system (7) of platform, are frozen on respective credit card or deposit card with the form of guaranty fund by mutual consent by contract engagement;
If both parties are unit, according to the current relevant regulations of bank, the guaranty fund of both parties all needs to draw to platform as guarantee;
If both parties, a side is unit, and a side is individual, then unit guaranty fund need draw platform account, and personal guarantee gold can freeze on its credit card or deposit card, also can draw the guarantee of platform account.
(3) last, both sides' off-line transaction, after completing, both sides submit to advice of settlement to settle accounts to platform.
Although the present invention is disclosed with specific embodiment above-mentioned; but and be not used to limit the present invention; any those skilled in the art is under the prerequisite not departing from the spirit and scope of the present invention; to the displacement of the equivalent assemblies done by the present invention or the equivalent variations done with the claims in the present invention protection domain and modification, all belong to the scope that the present invention is contained.
Claims (6)
1. network trading payment platform and a method of payment, platform described in its feature is made up of bank service system 1, platform total system 2 and client computer system or mobile phone 3; Wherein platform total system is made up of network and server operational system system (1), Web page system (2), client (3), user management and service system (4), trade contract and settlement system (5), buying and selling of commodities trading payment system (6), service industry's trading payment system (7).
2., by platform described in claim 1, it is characterized in that described platform total system 2 and bank service system 1 and client computer system or mobile phone 3 are connected.
3., by platform described in claim 1, it is characterized in that described platform total system is connected with settlement system (5), buying and selling of commodities trading payment system (6), service sector trading payment system (7) with service system (4), trade contract with server operational system (1), Web page system (2), client (3), user management with network respectively.
4., by platform method of payment described in claim 1, it is characterized in that described method is commodity transaction method of payment and service sector transaction payment method.
5., by the commodity transaction method of payment of platform described in claim 4, it is characterized in that:
Both parties log in Web page system (2) or the client (3) of platform of the present invention, sign a trade contract, appoint commodity performance, payment for goods and service regulation by platform trade agreement and settlement system (5);
Then payment for goods is frozen on its credit card or deposit card by platform buying and selling of commodities trading payment system (6) by the buyer, and platform notifies that the seller delivers;
After goods to the buyer, the buyer according to a preconcerted arrangement commodity performance examines goods, qualified, and notification platform thaws payment for goods remit money to the seller; Defective, buyer's credit, after the seller receives the return of goods, platform notifying bank thaws the payment for goods that the buyer freezes.
6., by the service sector transaction payment method of platform described in claim 4, it is characterized in that:
First, sell service side and log in platform Web page system 2 of the present invention or client 3 with dealing service side;
Then sign a trade contract by platform trade agreement and settlement system (5), then enter service sector
Trading payment system (7);
When both parties are individual, contract engagement by mutual consent by bank by sell service side service timeliness and buy the service fee of service side respectively with the form of guaranty fund, be frozen on respective credit card or deposit card;
When both parties are unit, according to bank's relevant regulations, the guaranty fund of both parties all needs to draw to platform as guarantee;
Both parties, a side is unit, and when a side is individual, then unit guaranty fund need draw platform account, and personal guarantee gold can freeze on its card, also can draw the guarantee of platform account;
Finally, both sides' off-line transaction, after completing, submission advice of settlement is settled accounts to platform.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310336665.5A CN104346719A (en) | 2013-07-26 | 2013-07-26 | Networked transaction payment platform and payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310336665.5A CN104346719A (en) | 2013-07-26 | 2013-07-26 | Networked transaction payment platform and payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104346719A true CN104346719A (en) | 2015-02-11 |
Family
ID=52502273
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310336665.5A Withdrawn CN104346719A (en) | 2013-07-26 | 2013-07-26 | Networked transaction payment platform and payment method |
Country Status (1)
| Country | Link |
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| CN (1) | CN104346719A (en) |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105373950A (en) * | 2015-11-25 | 2016-03-02 | 四川诚品电子商务有限公司 | Online trading platform based on cloud security |
| CN105373934A (en) * | 2015-11-25 | 2016-03-02 | 四川诚品电子商务有限公司 | Simulated mall type online trading platform |
| CN105701653A (en) * | 2016-01-20 | 2016-06-22 | 浙江工商大学 | Internet payment method and system for process-type self-service selling machine |
| CN106530026A (en) * | 2016-01-12 | 2017-03-22 | 宋崇寨 | Employment cooperation website |
| CN107067259A (en) * | 2017-05-05 | 2017-08-18 | 山东中时通电子商务有限公司 | A kind of online buying/selling system and method |
| CN107133800A (en) * | 2017-05-05 | 2017-09-05 | 山东中时通电子商务有限公司 | One kind dealing monitoring system and method |
| CN107180345A (en) * | 2017-07-20 | 2017-09-19 | 东莞市盟大塑化科技有限公司 | A kind of method of commerce paid under online trading line |
| CN107993142A (en) * | 2017-11-23 | 2018-05-04 | 搜易贷（北京）金融信息服务有限公司 | A kind of anti-risk of fraud control system of finance |
| CN108320161A (en) * | 2018-02-02 | 2018-07-24 | 杨佩敏 | Anti- fraudulent trading method based on Digital Network technology and device |
| US10229451B2 (en) | 2014-07-21 | 2019-03-12 | Alibaba Group Holding Limited | Method and apparatus for processing transaction information for commodity object |
| CN110363524A (en) * | 2018-04-11 | 2019-10-22 | 阿里巴巴集团控股有限公司 | Processing method, device, system and the electronic equipment of commodity payment |
| CN112734438A (en) * | 2021-01-11 | 2021-04-30 | 上海启匠信息技术有限公司 | Bulk transaction platform payment system and method based on union banking flash payment |
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| CN1588397A (en) * | 2004-10-09 | 2005-03-02 | 徐熟利 | Payment management method for member business system |
| CN101567070A (en) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | Method and system for processing transaction data and payment system |
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- 2013-07-26 CN CN201310336665.5A patent/CN104346719A/en not_active Withdrawn
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1588397A (en) * | 2004-10-09 | 2005-03-02 | 徐熟利 | Payment management method for member business system |
| CN101567070A (en) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | Method and system for processing transaction data and payment system |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US10229451B2 (en) | 2014-07-21 | 2019-03-12 | Alibaba Group Holding Limited | Method and apparatus for processing transaction information for commodity object |
| CN105373950A (en) * | 2015-11-25 | 2016-03-02 | 四川诚品电子商务有限公司 | Online trading platform based on cloud security |
| CN105373934A (en) * | 2015-11-25 | 2016-03-02 | 四川诚品电子商务有限公司 | Simulated mall type online trading platform |
| CN106530026A (en) * | 2016-01-12 | 2017-03-22 | 宋崇寨 | Employment cooperation website |
| CN105701653A (en) * | 2016-01-20 | 2016-06-22 | 浙江工商大学 | Internet payment method and system for process-type self-service selling machine |
| CN107067259A (en) * | 2017-05-05 | 2017-08-18 | 山东中时通电子商务有限公司 | A kind of online buying/selling system and method |
| CN107133800A (en) * | 2017-05-05 | 2017-09-05 | 山东中时通电子商务有限公司 | One kind dealing monitoring system and method |
| CN107180345A (en) * | 2017-07-20 | 2017-09-19 | 东莞市盟大塑化科技有限公司 | A kind of method of commerce paid under online trading line |
| CN107993142A (en) * | 2017-11-23 | 2018-05-04 | 搜易贷（北京）金融信息服务有限公司 | A kind of anti-risk of fraud control system of finance |
| CN108320161A (en) * | 2018-02-02 | 2018-07-24 | 杨佩敏 | Anti- fraudulent trading method based on Digital Network technology and device |
| CN110363524A (en) * | 2018-04-11 | 2019-10-22 | 阿里巴巴集团控股有限公司 | Processing method, device, system and the electronic equipment of commodity payment |
| CN112734438A (en) * | 2021-01-11 | 2021-04-30 | 上海启匠信息技术有限公司 | Bulk transaction platform payment system and method based on union banking flash payment |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20150211 |