CN106682981A - Processing method of asset assignment transaction, apparatus and system thereof - Google Patents

Processing method of asset assignment transaction, apparatus and system thereof Download PDF

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Publication number
CN106682981A
CN106682981A CN201610998614.2A CN201610998614A CN106682981A CN 106682981 A CN106682981 A CN 106682981A CN 201610998614 A CN201610998614 A CN 201610998614A CN 106682981 A CN106682981 A CN 106682981A
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CN
China
Prior art keywords
inquiry
information
transaction
quotation
assets
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201610998614.2A
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Chinese (zh)
Inventor
李汉
刘云波
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Guangzhou Pratt & Whitney Innovation Financial Information Service Co Ltd
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Guangzhou Pratt & Whitney Innovation Financial Information Service Co Ltd
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Application filed by Guangzhou Pratt & Whitney Innovation Financial Information Service Co Ltd filed Critical Guangzhou Pratt & Whitney Innovation Financial Information Service Co Ltd
Priority to CN201610998614.2A priority Critical patent/CN106682981A/en
Publication of CN106682981A publication Critical patent/CN106682981A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Asset management; Financial planning or analysis

Abstract

The invention relates to the asset transaction technology field and especially relates to a processing method of an asset assignment transaction, an apparatus and a system thereof. The assignment transaction is distinguished into a buyer initiation assignment transaction and a seller initiation assignment transaction. The buyer initiation assignment transaction means that a buyer can only buy an asset of a specific seller through a system. The seller initiation assignment transaction means that a seller can only sell the asset to the specific buyer through the system. During the assignment transaction, the seller can pack the assets and sell. Packages can be divided into wholesale packages and retail packages. In the wholesale packages, the assets should be integrally delivered, and in the retail packages, the assets can be partially delivered. The assignment transaction is only suitable for a non-personal user. And the system provides a fuzzy query function.

Description

A kind of processing method of assets given transaction, device and system
Technical field
The present invention relates to transaction in assets technical field, more particularly to a kind of processing method of assets given transaction, device and System.
Background technology
There are following several modes in existing assets transaction platform, transaction:
(1) assets pledge formula loaning bill pattern.Platform is using imperfect market mode platform price match trading analogue Transaction bring together, pledge mode in bank's trustship in platform with assets, carry out directly investment and financing transaction, counterparty side does not produce The transaction relationship of the direct fund transfer of life, is substantially that assets holder entrusts platform financing assets to set up the counter guarantee of mortgage Financing Mode.
(2) assets financing pattern.Assets are bought out by Capital Co., Ltd, finance product is packaged in platform sale by royalty, with Tripartite's payment opens up network account and realizes that fund is shifted, and financier is not exclusively the assets holder with true trade background, The holder in due course and investor both sides of assets does not produce direct transaction relationship, is shifted using the fund of middle trading account Pattern.
(3) assets buy out pattern.Platform has pricing right using the strong position of information asymmetry and fund, by association Trading company provides the VAT invoice of false trading and buys out assets, so as to realize the final control to assets right and fund Safety guarantee, middle bargain link complexity is opaque, with transaction risk.
In above-mentioned pattern, platform mostly utilizes information asymmetry, and transaction is initiated by way of broadcast, fails to realize a pair One given transaction, and in real business scenario, the demand of assets given transaction is there are, therefore the present invention has huge reality Meaning.
The content of the invention
It is an object of the invention to avoid above-mentioned weak point of the prior art and provide a kind of assets given transaction Processing method, the method can quickly facilitate transaction according to the specific needs of dealer, improve the convenient degree of transaction.
The purpose of the present invention is achieved through the following technical solutions:
A kind of method that inquiry is specified in transaction in assets, including:
Inquiry given step:When receiving the inquiry information that inquiry side sends, judge whether the inquiry information has transaction right Handss specify information, if it has, the inquiry information is only sent to given transaction opponent, so that given transaction opponent is used as quotation side Offered;
Feed quote step:When the quotation information of given transaction opponent feedback is got, quotation information is sent to inquiry Valency side;
Trade confirmation step:When the transaction confirmation message that inquiry policy sends to given transaction opponent is listened to, by this Transaction confirmation message feeds back to given transaction opponent, and it is state in transaction to change the state of the inquiry information.
Wherein, it is intended that counterparty's query steps:Counterparty's inquiry port is provided, according to the docuterm of inquiry side's input Section, carries out fuzzy query, and the Query Result of fuzzy query is fed back to into inquiry side to supply inquiry side in the user list of system Therefrom given transaction opponent.
Wherein, the feed quote step includes quotation obtaining step:The type of the inquiry information is judged, if the inquiry Valency information is the inquiry information that assets are bought in, then in the triggering inquiry information of given transaction opponent, in inquiry information Show the assets information of given transaction opponent in display interface, and for these assets information selection of configuration frames, so as to user's selection Meet the assets of inquiry information to be packed and be offered.
The device that inquiry is specified in a kind of transaction in assets is also provided, including:
Inquiry specified device:When receiving the inquiry information that inquiry side sends, judge whether the inquiry information has transaction right Handss specify information, if it has, the inquiry information is only sent to given transaction opponent, so that given transaction opponent is used as quotation side Offered;
Feed quote device:When the quotation information of given transaction opponent feedback is got, quotation information is sent to inquiry Valency side;
Trade confirmation device:When the transaction confirmation message that inquiry policy sends to given transaction opponent is listened to, by this Transaction confirmation message feeds back to given transaction opponent, and it is state in transaction to change the state of the inquiry information.
Wherein, it is intended that counterparty's inquiry unit:Counterparty's inquiry port is provided, according to the docuterm of inquiry side's input Section, carries out fuzzy query, and the Query Result of fuzzy query is fed back to into inquiry side to supply inquiry side in the user list of system Therefrom given transaction opponent.
Wherein, the feed quote device includes quotation acquisition device:The type of the inquiry information is judged, if the inquiry Valency information is the inquiry information that assets are bought in, then in the triggering inquiry information of given transaction opponent, in inquiry information Show the assets information of given transaction opponent in display interface, and for these assets information selection of configuration frames, so as to user's selection Meet the assets of inquiry information to be packed and be offered.
Beneficial effects of the present invention:The invention provides the processing method and system of assets given transaction, in transaction in assets In system, user can find suitable counterparty without the mode of broadcast, and the given transaction met in the transaction of part is needed Ask, while Non-Broadcast Multicast Access mode of doing business also preferably ensure that the Transaction Information of dealer and the safety of user profile.
Description of the drawings
Using accompanying drawing, the invention will be further described, but the embodiment in accompanying drawing does not constitute any limit to the present invention System, for one of ordinary skill in the art, on the premise of not paying creative work, can be being obtained according to the following drawings Other accompanying drawings.
Fig. 1 is the initiation given transaction flow chart of the present invention.
Specific embodiment
With the following Examples the invention will be further described.
Present embodiments provide a kind of transaction system, for convenience of description, the assets of the system by taking bill as an example, including but It is not limited to silver and holds paper ticket, silver and hold electric ticket, business hold electric ticket.Given transaction initiator is divided into buyer and initiates and two kinds of sides of seller's initiation Formula.
Facilitate transaction to promote to conclude the business and enabling a system to Auto-matching, the system be on the one hand divided into buyer's subsystem and Party subsystem is sold, on the other hand dealer inquiry side and quotation side is divided into into, inquiry side refers to the initiator of transaction, its evidence What transaction wish was issued (broadcast to all user sides) is inquiry information with regard to the type of assets to be transacted and the information of price, is reported Valency side refers to the side that quotation is responded and provided to inquiry information, and it is quotation for the information sent in response to inquiry information Information.
Inquiry side and quotation side are directed to, the system has inquiry functional module and quotation functional module, additionally, in order to give Inquiry side and quotation side set up information connection, and the system is additionally provided with the market module for showing inquiry information.Corresponding to buying Party subsystem and party subsystem is sold, On the Tape module is divided into buyer's market submodule and seller's market submodule, Mai Fanghang Feelings submodule is configured with buyer's market interface, and seller's market submodule is configured with seller's market interface, uses for the ease of user, Buyer's market interface and seller's market interface gather to form market interface, and switching push button, Yong Hutong are provided with market interface Crossing switching push button can switch buyer's market interface and seller's market interface.
Additionally, when generating and issuing enquiry breath, system can also be by the terms of trade information of inquiry side and the enquiry Breath is associated, and shows the terms of trade information of the inquiry information according to predetermined fraction.These terms of trade information can be The condition being input into when inquiring the price from inquiry side, for example, complete a business transaction the terms of trade information such as time limit, minimum number of transaction, can also be and is The conditional information of system acquiescence keeping records, the identity information of such as side of inquiry.(note:In bill business, the identity letter of dealer Breath is the key factor for affecting transaction reliability, therefore is an important terms of trade, if in other assets type in, Its terms of trade information given tacit consent to that then can be flexibly arranged according to the particularity of transaction).
Because inquiry side is the initiator of transaction, inquiry functional module includes work inquiry side input inquiry price and transaction bar The inquiry interface of part information, the inquiry interface has inquiry interface, and the inquiry interface includes seller inquiry interface and buyer's inquiry Interface, user can switch seller's inquiry and set interface by " seller market " button on interface of inquiring the price and " buyer market " button With buyer's inquiry interface.For inquirer, because inquirer is the sponsor of transaction, it is difficult to the settlement price set when initiating Lattice are always expected to be conducive to oneself as far as possible, but the price fixing of excessively favourable inquirer is difficult to attract offerer's report again Valency, inquirer needs seeking balances between both, but this balance tool inquiry has larger subjective factorss, it is difficult to fully reaction The market quotation, for this purpose, the system is additionally provided with inquiry module automatically, the module of inquiring the price automatically is for the default inquiry benchmark of inquirer Value, gradually inquiry threshold value, range of readjusting the price and price adjustment cycle, after the default above- mentioned information of inquirer, system can automatically issue inquiry Information, inquiry information inquiry price at the beginning is inquiry reference value, after releasing news, if do not had within a price adjustment cycle The quotation information of the inquiry information is received for, then price is adjusted with gradually range of readjusting the price, until occurring being directed to the inquiry information Quotation information, or inquiry price be higher than default inquiry threshold value.So, inquirer just (can ask in an inquiry scope Between valency reference value and inquiry threshold value) in the reaction in market is automatically perceived by system so that the inquiry price of inquirer is more Plus meet the market quotation.
Additionally, being offered for the ease of quotation side, the system is that the mode of inquiry information configuration quotation port has two kinds, A kind of is inquire the price information configuration quotation link per bar to show in market interface, and user can be entered by clicking on inquiry information Offered for the corresponding bid window of inquiry information;Another kind is to provide a user with automatic quote module, automatically report Valency module generates quotation interface for users automatically and presets automatic quotation information, then records the default offer that user pre-enters Breath, these quotation informations include customization require information, transaction value information etc., wherein customization require information includes awarding for inquiry side Letter amount information, credit list information, trade variety information, ownership people's information, cash people's information, amount of assets information, region The information such as information, delivery method information, delivery time information and credit rating information, these customization require information parts are by reporting What valency side was input in default quotation, part be then system according to the trading margin information and/or identity information of quotation side come (such as amount of assets information, the credit rating information) for automatically generating.System can be searched and come from when new inquiry information is received All default quotation informations for matching the inquiry information in dynamic quote module, and automatically generated for being somebody's turn to do according to default quotation information The quotation information of inquiry information.In order to ensure using the rights and interests of the offerer of quotation automatically, the system is in user preset offer Default transaction threshold when user preset quotation information is guided during breath, can judge whether transaction threshold compares inquiry in quotation automatically Value is more conducive to offerer, if it is, offer by inquiry value, if it is not, then thinking that the default quotation information mismatches the inquiry Information.It should be noted that the automatic quote module is similarly divided into the automatic quote module of buyer and seller automatic price quotation module, The automatic quote module of buyer belongs to buyer's subsystem, and seller automatic price quotation module belongs to seller's subsystem, that is to say, that no Same quotation information is limited at different subsystems, will not produce interference to other system.Similar to On the Tape module, Automatically quote module has the default interface of quotation, and the default interface of the quotation includes that the default interface of seller price quotations and buyer's quotation are default Interface, user can be pre- to switch seller price quotations by " seller market " button on the default interface of quotation and " buyer market " button If interface and the default interface of buyer's quotation.
The quotation information proposed for quotation side is (either by the manual quotation information of the link submission at market interface also It is the automatic quotation information of automatic quote module submission), inquiry side can be collected and be sent to system, and for seeking valency side ideal is picked out Counterparty, to conclude the transaction.Responded due to having a plurality of quotation information for same inquiry information, therefore the system Also there is functional module of bidding, the functional module of bidding can be by the most favorable rates in current all of quotation information (most beneficial for inquiry The quotation of valency people) quotation side's (can be the quotation side for carrying out manual quotation, or automatic quote module) is fed back to, Bidded according to current other quotation informations by quotation root, so that transaction can more really embody both parties' Wish.
In order to adapt to aforementioned automatic quote module, module of bidding is also corresponding to be configured with automated auction function, and this is automatic Function of bidding is to allow user that gradually amplitude of variation is also preset when default quotation information is arranged;When bidding, function of bidding is being received The most favorable rates of module feedback, whether the current quotes that can judge the default quotation information are in the quotation of all offerers at present Most beneficial for the quotation of inquirer, if it is, current quotes are maintained, if it is not, then being reported according to the adjustment of gradually amplitude of variation Value, and judge whether the quotation after adjusting is most beneficial for inquiry in the quotation of all offerers at present again after the adjustment The quotation of people, until quotation is equal to transaction threshold.By the automated auction function, offerer can more reasonably preset oneself Game scheme such that it is able to also sufficiently reflect the transaction wish of oneself in default quotation.
The system is by buyer's subsystem and sells that party subsystem is strict to make a distinction buyer's market and seller's market, because And in buyer's subsystem (i.e. seller's market), the inquiry side necessarily seller, quotation side necessarily buyer;In buyer's subsystem (i.e. Buyer's market), inquiry side necessarily buyer, the quotation side necessarily seller.For the both sides of transaction, it can be in a subsystem Become inquiry side in system, in another subsystem quotation side is become, that is to say, that inquiry side and quotation side may be taken into account originally The dealer of two kinds of roles, its two kinds of roles are assigned in two different subsystems, and during dealer is in subsystem, it must Can only be so inquiry side or quotation side, therefore in single subsystem, deals match process can be defined to by strict:Ask Valency --- quotation --- inquirer selects suitable dealer --- transaction;Under clear and definite deals match process, system is also Can realize Auto-matching, and transaction wish (the inquiry valency that i.e. seller/buyer proposes that dealer expresses in process of exchange Lattice or bid price information) also can be by the clear and definite book of final entry, so as to clearly embody exchange quotation.
Additionally, quotation functional module, inquiry functional module and On the Tape module that system includes respectively are configured with point Belong to buyer's subsystem and sell the submodule of party subsystem, therefore the software system is all provided the user in each functional module The interaction end and entrance of party subsystem and buyer's subsystem are clearly sold, the convenience that user uses is improve.
Additionally, in order to meet transaction to diversified transactions demand, additionally providing given transaction module, the given transaction mould Block to the inquiry side that expectation carries out given transaction provides given transaction inquiry interface, it is intended that transaction inquiry interface provides counterparty Inquiry port, according to the search field that inquiry side is input into, carries out fuzzy query in the user list of system, and by fuzzy query Query Result feed back to inquiry side for inquiry side therefrom given transaction opponent.Expect that the inquiry side for carrying out given transaction refers to from this Fixed transaction inquiry interface is sent after inquiry information, when system receives the inquiry information, can be judged whether the inquiry information has and be handed over Easy opponent's specify information, if it has, the inquiry information is only sent to given transaction opponent, so that given transaction opponent is used as report Offered valency side;Afterwards, when the quotation information of given transaction opponent feedback is got, quotation information is sent to inquiry Side;And when the transaction confirmation message that inquiry policy sends to given transaction opponent is listened to, by the transaction confirmation message feedback Given transaction opponent is given, and it is state in transaction to change the state of the inquiry information.
In addition, when inquiry information is the inquiry information that assets are bought in, quotation side needs to be input in oneself account in quotation Later billing information, is offered, in given transaction for the ease of given transaction opponent (quotation side is in the embodiment) During the triggering of the opponent inquiry information, the assets information of given transaction opponent is shown in the display interface of inquiry information, and For these assets information selection of configuration frames, so that user selects the assets for meeting enquiry breath to be packed and be offered.So The assets for choosing oneself later are needed only to when quotation side is offered, it is not necessary to after searching the asset data record of oneself It is input into one by one again, improves the quotation convenience of quotation side.
Finally it should be noted that above example is only illustrating technical scheme, rather than to present invention guarantor The restriction of shield scope, although having made to explain to the present invention with reference to preferred embodiment, one of ordinary skill in the art should Work as understanding, technical scheme can be modified or equivalent, without deviating from the reality of technical solution of the present invention Matter and scope.

Claims (6)

1. a kind of method that inquiry is specified in transaction in assets, it is characterised in that include:
Inquiry given step:When receiving the inquiry information that inquiry side sends, judge whether the inquiry information refers to counterparty Determine information, if it has, the inquiry information is only sent to given transaction opponent, so that given transaction opponent is carried out as quotation side Quotation;
Feed quote step:When the quotation information of given transaction opponent feedback is got, quotation information is sent to inquiry side;
Trade confirmation step:When the transaction confirmation message that inquiry policy sends to given transaction opponent is listened to, this is concluded the business Confirmation feeds back to given transaction opponent, and it is state in transaction to change the state of the inquiry information.
2. the method that inquiry is specified in a kind of transaction in assets as claimed in claim 1, it is characterised in that include:Given transaction pair Handss query steps:Counterparty's inquiry port is provided, according to the search field of inquiry side's input, is entered in the user list of system Row fuzzy query, and the Query Result of fuzzy query is fed back to into confession inquiry side of inquiry side therefrom given transaction opponent.
3. the method that inquiry is specified in a kind of transaction in assets as claimed in claim 1, it is characterised in that the feed quote step It is rapid to include quotation obtaining step:Judge the type of the inquiry information, if the inquiry information that the inquiry information is assets to be bought in, Then in the triggering inquiry information of given transaction opponent, show given transaction opponent's in the display interface of inquiry information Assets information, and for these assets information selection of configuration frames, so that user selects the assets for meeting enquiry breath to be packed And quotation.
4. the device of inquiry is specified in a kind of transaction in assets, it is characterised in that included:
Inquiry specified device:When receiving the inquiry information that inquiry side sends, judge whether the inquiry information refers to counterparty Determine information, if it has, the inquiry information is only sent to given transaction opponent, so that given transaction opponent is carried out as quotation side Quotation;
Feed quote device:When the quotation information of given transaction opponent feedback is got, quotation information is sent to inquiry side;
Trade confirmation device:When the transaction confirmation message that inquiry policy sends to given transaction opponent is listened to, this is concluded the business Confirmation feeds back to given transaction opponent, and it is state in transaction to change the state of the inquiry information.
5. the device of inquiry is specified in a kind of transaction in assets as claimed in claim 4, it is characterised in that included:Given transaction pair Handss inquiry unit:Counterparty's inquiry port is provided, according to the search field of inquiry side's input, is entered in the user list of system Row fuzzy query, and the Query Result of fuzzy query is fed back to into confession inquiry side of inquiry side therefrom given transaction opponent.
6. the device of inquiry is specified in a kind of transaction in assets as claimed in claim 4, it is characterised in that the feed quote dress Put including quotation acquisition device:Judge the type of the inquiry information, if the inquiry information that the inquiry information is assets to be bought in, Then in the triggering inquiry information of given transaction opponent, show given transaction opponent's in the display interface of inquiry information Assets information, and for these assets information selection of configuration frames, so that user selects the assets for meeting enquiry breath to be packed And quotation.
CN201610998614.2A 2016-11-11 2016-11-11 Processing method of asset assignment transaction, apparatus and system thereof Pending CN106682981A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109102355A (en) * 2018-06-11 2018-12-28 广州普惠创新金融信息服务有限公司 A kind of parallel synchronous dynamic bid method of commerce, device and storage medium based on classification transaction system
CN112131251A (en) * 2020-07-01 2020-12-25 北京跨联元焕网络科技有限公司 Bidding transaction method and device, readable storage medium and electronic device

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1351301A (en) * 2000-10-27 2002-05-29 塑网科技股份有限公司 Price inquiry method for electronic transaction
CN103246998A (en) * 2012-02-13 2013-08-14 林翔堃 Bidding type trading method for auction platform

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1351301A (en) * 2000-10-27 2002-05-29 塑网科技股份有限公司 Price inquiry method for electronic transaction
CN103246998A (en) * 2012-02-13 2013-08-14 林翔堃 Bidding type trading method for auction platform

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109102355A (en) * 2018-06-11 2018-12-28 广州普惠创新金融信息服务有限公司 A kind of parallel synchronous dynamic bid method of commerce, device and storage medium based on classification transaction system
CN112131251A (en) * 2020-07-01 2020-12-25 北京跨联元焕网络科技有限公司 Bidding transaction method and device, readable storage medium and electronic device

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