CN107153952A - Shopping settlement method and device - Google Patents
Shopping settlement method and device Download PDFInfo
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- CN107153952A CN107153952A CN201610121372.9A CN201610121372A CN107153952A CN 107153952 A CN107153952 A CN 107153952A CN 201610121372 A CN201610121372 A CN 201610121372A CN 107153952 A CN107153952 A CN 107153952A
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- Prior art keywords
- guaranty
- financing
- bill
- trade company
- user
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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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
Abstract
Disclosure one kind shopping settlement method, comprises the following steps：Receive the payment request that user pays to trade company；According to corresponding assets in the account for paying request for freezing user, and generate the bill guaranty for paying the corresponding bill of request and being generated according to bill；Bill guaranty is provided to trade company so that the trade company is financed according to the bill guaranty.By the settlement method of the embodiment of the present application, security risk during shopping clearing can be effectively reduced, while within certain time limit after paying successfully, realizing the maximization of user's income, user satisfaction is lifted.Disclosed herein as well is one kind shopping checkout apparatus.
Description
Technical field
The application is related to payment technology field, more particularly to a kind of shopping settlement method and device.
Background technology
At present, the mode of user's shopping is more and more, causes the variation of shopping clearing form, for example, when purchase on user network
During thing, by Web bank bank card or credit card can be used to complete shopping clearing.
Once however, shopping on the web, and after submitting order, user generally requires completes shopping clearing immediately, causes branch
Further income is had no after paying, even and if shopping clearing are completed by paying by instalments, it can not easily ensure to refund on time, once
Shopping clearing can not be completed in agreed period, then bank's bad credit rate rising are easily caused, so as to influence the personal credit of user.
The content of the invention
The purpose of the application is intended at least solve one of above-mentioned technical problem to a certain extent.
Therefore, first purpose of the application is to propose a kind of shopping settlement method, this method can effectively reduce shopping knot
The security risk paid during calculation, while within certain time limit after paying successfully, realizing the maximization of user's income.
Second purpose of the application is to propose a kind of shopping checkout apparatus.
For up to above-mentioned purpose, a kind of shopping settlement method proposed according to the application first aspect embodiment comprises the following steps：
Receive the payment request that user pays to trade company；According to corresponding assets in the account for paying request for freezing user, and generate branch
Pay the corresponding bill of request and the bill guaranty generated according to bill；Bill guaranty is provided to trade company so that the trade company
Financed according to the bill guaranty.
Payment of the application by receiving user is asked to generate corresponding bill, and bill guaranty can be generated according to bill, and
Trade company is provided to be financed, so as to improve the security of payment in the case where not changing form of payment, and
And the safety problem existed during shopping clearing can be effectively reduced, and the maximum revenue of user is realized, improve user's satisfaction
Degree.
For up to above-mentioned purpose, a kind of shopping checkout apparatus proposed according to the second aspect embodiment of the application, including：First
Receiving module, is asked for receiving the payment that user pays to trade company；Freeze module, for according to payment request for freezing user
Account in corresponding assets；First generation module, for generating the ticket for paying the corresponding bill of request and being generated according to bill
According to guaranty；Module is provided, for bill guaranty to be provided to trade company so that the trade company enters according to the bill guaranty
Row financing.
Payment of the application by receiving user is asked to generate corresponding bill, and bill guaranty can be generated according to bill, and
Trade company is provided to be financed, so as to improve the security of payment in the case where not changing form of payment, and
And the safety problem existed during shopping clearing can be effectively reduced, and the maximum revenue of user is realized, improve user's satisfaction
Degree.
The aspect and advantage that the application is added will be set forth in part in the description, and partly will become bright from the following description
It is aobvious, or recognized by the practice of the application.
Brief description of the drawings
The above-mentioned and/or additional aspect and advantage of the application will be apparent from description of the accompanying drawings below to embodiment is combined and
It is readily appreciated that, wherein：
Fig. 1 is the flow chart of the shopping settlement method according to the embodiment of the present application；
Fig. 2 is the flow chart of the shopping clearing according to the application one embodiment；
Fig. 3 is the flow chart refunded according to the user of the application one embodiment；
Fig. 4 is the flow chart of the shopping settlement method according to the application one embodiment；
Fig. 5 is the flow chart refunded according to the trade company of the application one embodiment；
Fig. 6 is to settle accounts schematic diagram according to the shopping of one specific embodiment of the application；
Fig. 7 is the time diagram of the shopping clearing according to the application one embodiment；
Fig. 8 is the structural representation of the shopping checkout apparatus according to the embodiment of the present application；
Fig. 9 is the structural representation of the shopping checkout apparatus according to the application one embodiment；
Figure 10 is the structural representation according to the first of the application one embodiment the insurance generation module；
Figure 11 is the structural representation of the shopping checkout apparatus according to the application another embodiment；
Figure 12 is the structural representation for the financing module for applying example according to real one of the application；
Figure 13 is the structural representation of the shopping checkout apparatus according to the application another embodiment；And
Figure 14 is the structural representation according to the second of the application one embodiment the insurance generation module.
Embodiment
Embodiments herein is described below in detail, the example of the embodiment is shown in the drawings, wherein identical from beginning to end
Or similar label represents same or similar element or the element with same or like function.Retouched below with reference to accompanying drawing
The embodiment stated is exemplary, it is intended to for explaining the application, and it is not intended that limitation to the application.
It should be noted that relational language in this application, is first explained as follows to it：
Credit assurance insures：Guarantee insurance is that the contractual capacity of insurant is ensured, if insurant can not fulfil
Agreement, insurance company will be compensated by insurance responsibility.
Credit instruments：For arranging the debition of creditor and debtor, and agreement of honouring an agreement.For example, refund issue,
Arrange year interest rate, debt due, collateral security, refund account etc..Credit instruments can be put into bond transaction city by creditor
It is traded in, so as to realize financing.
Bill enforcement：The creditor of bill is updated to seller, debtor should go back the amount of money for single dealing money
The shopping settlement method that the application is provided, the settlement process can include：Receive the payment request that user pays to trade company；
According to corresponding assets in the account for paying request for freezing user, and generate the corresponding bill of payment request and generated according to bill
Bill guaranty；Bill guaranty is provided to trade company so that the trade company is financed according to the bill guaranty.Should
Doing shopping settlement method can be as an independent application, such as clearing application, or a shopping clearing program is come on realizing
Shopping settlement process is stated, i.e., corresponding bill and guaranty are generated according to payment request, and sends it to trade company, trade company is with this
Financing request is carried out and according to financing request generation financing guaranty, so as to carry out financing operation.
Fig. 1 is the flow chart of the shopping settlement method according to the embodiment of the present application.
As shown in figure 1, the shopping settlement method has following steps：
S110, receives the payment request that user pays to trade company.
In one embodiment of the application, when user browses shopping webpage and done shopping, first submitted to trade company and pay request,
Wherein, user submits to pay and asks to complete by clicking on the key of purchase immediately in respective page, certainly can also be by other
Mode submits payment to ask, for example, first article to be purchased is added in shopping cart, then performs payment request operation.In the application
Embodiment in, the mode of payment can have a variety of, for example, complete to pay by paying by instalments, shown in such as Fig. 6 (a) (b).
Wherein, Fig. 6 (a) is user when carrying out selection article or will buy, the corresponding means of payment of selected article.
As illustrated, the currently selected article of user can be by one in Yuebao, Credit Card Payments, collection by stages these three modes
Plant and paid.By the means of payment in figure user can be allowed to be paid in varied situations according to the demand of oneself, carried
The usage experience of high user.After Fig. 6 (b) is the article that user determines purchase, progress places an order delivery operation.When user is logical
Cross click payment button and enter payment interface, as shown in FIG., the means of payment that user currently selects is that Yuebao is paid.
Wherein, it is a remaining sum value-added service that Yuebao, which is paid, and user is not only able to obtain by the way that fund is transferred in Yuebao
Corresponding income, and net purchase payment can also be carried out with Yuebao at any time, flexibly extract.Certain user is also an option that separately
A kind of outer means of payment is paid, and pays paid by stages as illustrated in the drawing.Carry out paying more preferably by different modes
Ground makes user's convenient use.
S120, according to corresponding assets in the account for paying request for freezing user, and generates the corresponding bill of payment request and root
The bill guaranty generated according to bill.
In one embodiment of the application, after user have submitted payment request, mandate platform in payment system can be with
For the corresponding payment serial number of payment request generation of user, wherein, the payment serial number, which represents user, needs what is paid
Amount of money number and the mode paid.Further, platform is authorized to freeze according to request is paid to the corresponding assets of user
Tie to generate corresponding bill, and the corresponding bill guaranty further generated according to bill.In the implementation of the application
In example, bill can be a kind of voucher of the corresponding amount of money paid according to user to trade company.For example, user have purchased 6000
The article of member, user pays 1000 yuan while submitting and paying request, and payable by installment is carried out in this, as evidence for payment
Operation.
In another embodiment of the application, corresponding bill guaranty is generated according to bill, wherein bill guaranty can be with
It is associated with bill, with this illustrate bill be with what as security, such as bill with the freezing of assets as security.Enter one
Step ground, bill guaranty can be that user can basis according to the numbering paid on the serial number that request is generated, such as property ownership certificate
Numbering on property ownership certificate is on mortgage, so as to complete to provide a loan in bank.
In the embodiment of the present application, bill can include the information such as account, ticket number, payment and the Transaction Identification Number of user.
Bill guaranty can include ticket number, payment and Transaction Identification Number.For example shown in Fig. 7, execution system can according to
The payment request at family creates corresponding bill, and further creates bill guaranty according to the bill of establishment, completes to use with this
The delivery operation at family.
It should be noted that execution system can be a new system, by execution system can guaranteed completion user with
Transaction between trade company, can reduce user's payment risk simultaneously in transaction again, realize the maximization of user's income, preferably full
The shopping clearing of sufficient user.
Further, in one embodiment of the application, the shopping settlement method of the embodiment of the present application also includes：According to ticket
According to the corresponding credit assurance insurance of guaranty generation bill guaranty, user is paid according to credit assurance insurance.
As shown in figure 3, Fig. 3 is the flow chart refunded according to the user of the application one embodiment, the step can include：
S310, obtains the repayment schedule of user.
Is paid in user's shopping successfully and after certain time limit of bill enforcement, mandate platform can be further according to about definiting time-lag
Automatic triggering, which is refunded, to be operated, and can obtain the repayment schedule of user by inquiring about corresponding user's payment request information in database.
It should be noted that the repayment schedule of user can include account, ticket number, payment and the refund time of user
Deng.
Corresponding assets in the account of user, when repayment schedule meets refund condition, are thawed by S320.
It is to be understood that authorizing platform to be thawed according to repayment schedule to the corresponding fund of user, completed with this also
Money is honoured an agreement.As shown in Fig. 2 authorize platform according to defrosting user's assets are about definited time-lag, to complete to honour an agreement, even user
There is exception in account, can be compensated by credit assurance insurance.Above-mentioned described process can also be described by Fig. 7,
No longer it is described in detail herein.
Corresponding assets in account are transferred to be paid to trade company by S330 according to bill guaranty.
After the corresponding assets of user account are thawed, platform is authorized to transfer redrawing funds automatically according to bill guaranty to business
Family performs delivery operation.
In another embodiment of the application, after user transfers redrawing funds to trade company, if trade company supports bill
Wagering is financed, then freezes the redrawing funds of user, so as to ensure the interests of user.
S340, judges whether payment succeeds.
Further determined whether to pay successfully after authorizing platform that the redrawing funds of user are transferred to trade company, such as to refunding
Situation determine whether that the refund information that can be sent by execution system to user is judged, when user refunds successfully,
Execution system will send to user and pay successful message, when user refunds without success, execution system equally can to
Family sends message, to remind this refund operation failure of user, further to carry out relevant treatment to this refund.
S350, if payment is unsuccessful, is paid according to the corresponding credit assurance insurance of bill guaranty.
In embodiments herein, when the payment failure of user, the letter that execution system can be insured automatically according to user
With guarantee insurance, company pursues a claim, after credit assurance insurance company carries out Claims Resolution completion, the credit assurance of insuring of user
Insurance will failure.
The embodiment of the present application user can reduce the risk paid, simultaneously by credit assurance insurance of insuring when being done shopping
Improve the usage experience of user.
S130, bill guaranty is provided to trade company so that the trade company is financed according to the bill guaranty.
In one embodiment of the application, after authorizing platform to pay request progress processing accordingly to user, by generation
Bill guaranty is sent to trade company, and trade company is financed the bill guaranty of reception.For example, as shown in fig. 7, holding
Row system can send the bill guaranty of establishment to trade company, and trade company is financed according to the bill guaranty received.
To realize above-mentioned shopping settlement method, as shown in figure 4, this method can also comprise the following steps：
S410, receives the payment request that user pays to trade company.
In one embodiment of the application, when user browses shopping webpage and done shopping, first submitted to trade company and pay request,
Wherein, user submits to pay and asks to complete by clicking on the key of purchase immediately in respective page, certainly can also be by other
Mode submits payment to ask, for example, first article to be purchased is added in shopping cart, then performs payment request operation.In the application
Embodiment in, the mode of payment can have a variety of, for example, complete to pay by paying by instalments, shown in such as Fig. 6 (a) (b).
Wherein, Fig. 6 (a) is user when carrying out selection article or will buy, the corresponding means of payment of selected article.
As illustrated, the currently selected article of user can be by one in Yuebao, Credit Card Payments, collection by stages these three modes
Plant and paid.By the means of payment in figure user can be allowed to be paid in varied situations according to the demand of oneself, carried
The usage experience of high user.After Fig. 6 (b) is the article that user determines purchase, progress places an order delivery operation.When user is logical
Cross click payment button and enter payment interface, as shown in FIG., the means of payment that user currently selects is that Yuebao is paid.
Wherein, it is a remaining sum value-added service that Yuebao, which is paid, and user is not only able to obtain by the way that fund is transferred in Yuebao
Corresponding income, and net purchase payment can also be carried out with Yuebao at any time, flexibly extract.Certain user is also an option that separately
A kind of outer means of payment is paid, and pays paid by stages as illustrated in the drawing.Carry out paying more preferably by different modes
Ground makes user's convenient use.
S420, according to corresponding assets in the account for paying request for freezing user, and generates the corresponding bill of payment request and root
The bill guaranty generated according to bill.
In one embodiment of the application, after user have submitted payment request, platform is authorized to be directed to the branch of user
Pay request generation corresponding payment serial number, wherein, the payment serial number represents the amount of money number and branch that user needs to pay
The mode paid.Further, platform is authorized to be freezed according to request is paid to the corresponding assets of user to generate correspondence
Bill, and the corresponding bill guaranty further generated according to bill.In one embodiment of the application, bill can
To be a kind of voucher of the corresponding amount of money paid according to user to trade company.For example, user have purchased 6000 yuan of article, use
Family pays 1000 yuan while submitting and paying request, and payable by installment operation is carried out in this, as evidence for payment.
In another embodiment of the application, corresponding bill guaranty is generated according to bill, wherein bill guaranty can be with
It is associated with bill, with this illustrate bill be with what as security, such as bill with the freezing of assets as security.Enter one
Step ground, bill guaranty can be that user can basis according to the numbering paid on the serial number that request is generated, such as property ownership certificate
Numbering on property ownership certificate is on mortgage, so as to complete to provide a loan in bank.
In the embodiment of the present application, bill can include the information such as account, ticket number, payment and the Transaction Identification Number of user.
Bill guaranty can include ticket number, payment and Transaction Identification Number.For example shown in Fig. 7, execution system can according to
The payment request at family creates corresponding bill, and further creates bill guaranty according to the bill of establishment, completes to use with this
The delivery operation at family.
Further, in one embodiment of the application, the shopping settlement method of the embodiment of the present application also includes：According to ticket
According to the corresponding credit assurance insurance of guaranty generation bill guaranty, user is paid according to credit assurance insurance.
S430, bill guaranty is provided to trade company so that the trade company is financed according to the bill guaranty.
In one embodiment of the application, after authorizing platform to pay request progress processing accordingly to user, by generation
Bill guaranty is sent to trade company, and trade company is financed the bill guaranty of reception.For example, as shown in fig. 7, holding
Row system can send the bill guaranty of establishment to trade company, and trade company is financed according to the bill guaranty received.
S440, receives the financing request of trade company, wherein, financing request includes at least one bill guaranty.
For example, as described in Figure 7, execution system receives the financing request of trade company and creates financing plans according to financing request.
Wherein, financing plans can include：At the end of account, the financing amount of money, interest rate, financing time started and the financing of trade company
Between etc..
S450, according to financing request generation financing guaranty, and is that trade company is financed according to financing guaranty.
It is that trade company's progress financing is specifically included according to financing guaranty in one embodiment of the application：Obtain melting for trade company
Money plan, and financing guaranty is freezed；Financed according to financing plans and financing guaranty in bond trade market,
Equivalent to the financing that bond market is realized using bill.Further, in another embodiment of the application, financing mortgage
Thing can be associated with Transaction Identification Number, payment serial number, the financing amount of money etc., and the guarantee of financing refund can be carried out as trade company.
For example, as shown in fig. 7, after financing plans are created, execution system can be created according to financing plans
Financing guaranty, and the financing guaranty of establishment is financed.Wherein, financing guaranty can include：Financing plans are compiled
Number, financing plans Transaction Identification Number and financing amount of money etc..The amount of money of such as financing can be 1000 yuan, can also be 500 yuan.
In embodiments herein, the place that guaranty of financing is financed can be in bond trade market.
Further, in one embodiment of the application, protected according to the corresponding credit of financing guaranty generation financing guaranty
Card insurance, trade company is refunded according to credit assurance insurance.
As shown in figure 5, Fig. 5 is the flow chart refunded according to the trade company of the application one embodiment, the step can include：
S510, obtains the repayment schedule of trade company.
In one embodiment of the application, authorize platform about to definite time-lag automatic triggering refund operation according to trade company, can lead to
Corresponding trade company's payment request information in inquiry database is crossed, the repayment schedule of trade company is obtained.It should be noted that trade company
Repayment schedule can include account, ticket number, repayment amount and refund time of trade company etc..
S520, when repayment schedule meets refund condition, thaws to financing guaranty.
In one embodiment of the application, when financing plans are to the financing end time, platform is authorized to trigger automatically also
Money is operated.As shown in Fig. 2 authorizing platform can be according to about specified time defrosting trade company assets, to complete to honour an agreement, even if trade company
Account occur abnormal, pass through credit assurance insurance and carry out rigid compensation.Said process can also be described by Fig. 7, herein
No longer it is described in detail.
The corresponding assets of financing guaranty are transferred to be refunded to financier by S530 according to financing guaranty.
After the assets of merchant account are thawed, platform is authorized to transfer redrawing funds automatically according to bill guaranty to bond
Trade market performs operation of refunding.
In another embodiment of the application, after trade company receives redrawing funds, if bill guaranty enters in trade company
Row financing, i.e. the payment repayment schedule of user are carried out before trade company's financing repayment schedule, then redrawing funds can be frozen, and be protected
Demonstrate,prove being normally carried out for account.
Whether S540, judging to refund succeeds.
Further determine whether to refund successfully after authorizing platform that the redrawing funds of trade company are transferred to bond trade market.It is right
The situation of refund carries out judging that the refund information that can be sent to trade company by execution system is judged, when trade company refunds successfully,
Execution system will send successful message of refunding to trade company, and when trade company refunds failure, execution system can equally be sent out to trade company
Message is sent, to remind this refund operation failure of trade company, to carry out relevant treatment to this refund.
S550, if refund is unsuccessful, is propped up according to the corresponding credit assurance insurance of financing guaranty
Pay.
In embodiments herein, when the refund failure of trade company, the letter that execution system can be insured automatically according to trade company
With guarantee insurance, company pursues a claim, after credit assurance insurance company carries out Claims Resolution completion, the credit assurance of insuring of trade company
Insurance will failure.
Above-mentioned each execution step can be performed by an executive agent or realized by different executive agents,
The executive agent can refer to a program module, or One function module, can have different definition according to concrete scene.
Payment of the application by receiving user is asked to generate corresponding bill, and bill guaranty can be generated according to bill, and
Trade company is provided to be financed, so as to improve the security of payment in the case where not changing form of payment, and
And the safety problem existed during shopping clearing can be effectively reduced, and the maximum revenue of user is realized, improve user's satisfaction
Degree.
A kind of shopping checkout apparatus combination accompanying drawing of disclosure embodiment is specifically described below, shown in reference picture 8.
Fig. 8 is the structural representation of the shopping checkout apparatus according to the embodiment of the present application.
As shown in figure 8, the shopping checkout apparatus 800 includes：First receiving module 810, freeze module 820, first generation
Module 830 and offer module 840.
Wherein, the first receiving module 810 is used to receive the payment request that user pays to trade company.
In one embodiment of the application, when user browses shopping webpage and done shopping, first submitted to trade company and pay request,
Wherein, user submits to pay and asks to complete by clicking on the key of purchase immediately in respective page, certainly can also be by other
Mode submits payment to ask, for example, first article to be purchased is added in shopping cart, then performs payment request operation.In the application
Embodiment in, the mode of payment can have a variety of, for example, complete to pay by paying by instalments, shown in such as Fig. 6 (a) (b).
Wherein, Fig. 6 (a) is user when carrying out selection article or will buy, the corresponding means of payment of selected article.As schemed
Shown, the currently selected article of user can be entered by one kind in Yuebao, Credit Card Payments, collection by stages these three modes
Row is paid.By the means of payment in figure user can be allowed to be paid in varied situations according to the demand of oneself, improve and use
The usage experience at family.After Fig. 6 (b) is the article that user determines purchase, progress places an order delivery operation.When user passes through point
Hit payment button and enter payment interface, as shown in FIG., the means of payment that user currently selects is that Yuebao is paid.Its
In, it is a remaining sum value-added service that Yuebao, which is paid, and user is not only able to obtain phase by the way that fund is transferred in Yuebao
The income answered, and net purchase payment can also be carried out with Yuebao at any time, flexibly extract.Certain user is also an option that in addition
A kind of means of payment is paid, and pays paid by stages as illustrated in the drawing.Paid preferably by different modes
Make user's convenient use.
Wherein, freezing module 820 is used for according to corresponding assets in the account for paying request for freezing user.
Wherein, the first generation module 830 is used to generate the bill guaranty for paying the corresponding bill of request and generating according to bill.
In one embodiment of the application, after user have submitted payment request, platform is authorized to be directed to the branch of user
Pay request generation corresponding payment serial number, wherein, the payment serial number represents the amount of money number and branch that user needs to pay
The mode paid.Further, platform is authorized to be freezed according to request is paid to the corresponding assets of user to generate correspondence
Bill, and the corresponding bill guaranty further generated according to bill.In one embodiment of the application, bill can
To be a kind of voucher of the corresponding amount of money paid according to user to trade company.For example, user have purchased 6000 yuan of article, use
Family pays 1000 yuan while submitting and paying request, and payable by installment operation is carried out in this, as evidence for payment.In this Shen
In another embodiment please, corresponding bill guaranty is generated according to bill, wherein bill guaranty can be related to bill
Connection, with this illustrate bill be with what as security, such as bill with the freezing of assets as security.Further, bill
Guaranty can be that user can be according on property ownership certificate according to the numbering paid on the serial number that request is generated, such as property ownership certificate
Numbering is on mortgage, so as to complete to provide a loan in bank.
In the embodiment of the present application, bill can include the information such as account, ticket number, payment and the Transaction Identification Number of user.
Bill guaranty can include ticket number, payment and Transaction Identification Number.For example shown in Fig. 7, execution system can according to
The payment request at family creates corresponding bill, and further creates bill guaranty according to the bill of establishment, completes to use with this
The delivery operation at family.
It should be noted that execution system can be a new system, by execution system can guaranteed completion user with
Transaction between trade company, can reduce user's payment risk simultaneously in transaction again, realize the maximization of user's income, preferably full
The shopping clearing of sufficient user.
In one embodiment of the application, as shown in figure 9, the shopping checkout apparatus 800 of the embodiment of the present application also includes：
First insurance generation module 8310.Wherein, the first insurance generation module 8310 is used to be supported according to bill guaranty generation bill
The corresponding credit assurance insurance of wagering.
Further, in one embodiment of the application, as shown in Figure 10, the first insurance generation module 8310 also includes：
First acquisition module 8311, the first defrosting module 8312, payment module 8313, the first judge module 8314 and first are protected
Dangerous payment module 8315.
Wherein, the first acquisition module 8311 is used for the repayment schedule for obtaining user.
Is paid in user's shopping successfully and after certain time limit of bill enforcement, mandate platform can be further according to about definiting time-lag
Automatic triggering, which is refunded, to be operated, and can obtain the repayment schedule of user by inquiring about corresponding user's payment request information in database.
It should be noted that the repayment schedule of user can include account, ticket number, payment and the refund time of user
Deng.
Wherein, the first defrosting module 8312 is used for when repayment schedule meets refund condition, to being provided accordingly in the account of user
Production is thawed.
It is to be understood that authorizing platform to be thawed according to repayment schedule to the corresponding fund of user, completed with this also
Money is honoured an agreement.As shown in Fig. 2 authorizing platform according to defrosting user's assets are about definited time-lag, to complete to honour an agreement, and insured by user
There is exception in the account of the reliability that credit assurance insures to guarantee payment, even user, can be insured by credit assurance
Compensated.Above-mentioned described process can also be described by Fig. 7, be no longer described in detail herein.
Wherein, payment module 8313 is used to the corresponding assets in account are transferred according to bill guaranty to carry out to trade company
Pay.
After the corresponding assets of user account are thawed, platform is authorized to transfer redrawing funds automatically according to bill guaranty to business
Family performs delivery operation.
In another embodiment of the application, after user transfers redrawing funds to trade company, if trade company supports bill
Wagering is financed, i.e., the payment repayment schedule of user is carried out before trade company's financing repayment schedule, then freezes the refund of user
Fund, so as to ensure the interests of user.
Wherein, whether the first judge module 8314 is used to judge to pay to succeed.
Further determined whether to pay successfully after authorizing platform that the redrawing funds of user are transferred to trade company, such as to refunding
Situation determine whether that the refund information that can be sent by execution system to user is judged, when user refunds successfully,
Execution system will send to user and pay successful message, when user refunds without success, execution system equally can to
Family sends message, to remind this refund operation failure of user, so that this refund to be further processed.
Wherein, the first insurance payment module 8315 is used for when the first judge module 8314 judges to pay unsuccessful, according to ticket
Paid according to the corresponding credit assurance insurance of guaranty.
In embodiments herein, when the payment failure of user, the letter that execution system can be insured automatically according to user
With guarantee insurance, company is pursued a claim, and the credit assurance of insuring of user is protected after credit assurance insurance company carries out Claims Resolution completion
Danger will failure.
The embodiment of the present application user can reduce the risk paid, simultaneously by credit assurance insurance of insuring when being done shopping
Improve the usage experience of user.
Wherein it is used to provide bill guaranty to trade company so that the trade company is according to the bill guaranty there is provided module 840
Financed.
In one embodiment of the application, after authorizing platform to pay request progress processing accordingly to user, by generation
Bill guaranty is sent to trade company, and trade company is financed the bill guaranty of reception.For example, as shown in fig. 7, holding
Row system can send the bill guaranty of establishment to trade company.
To realize above-mentioned shopping checkout apparatus, as shown in figure 11, the device also includes：Second receiving module 850, second is given birth to
Into module 860 and financing module 870.Wherein, the second receiving module 850 is used for the financing request for receiving trade company, wherein,
Financing request includes at least one bill guaranty, and user is financed according to the bill guaranty received.
For example, as described in Figure 7, execution system receives the financing request of trade company and creates financing plans according to financing request.
Wherein, financing plans can include：At the end of account, the financing amount of money, interest rate, financing time started and the financing of trade company
Between etc..
Wherein, the second generation module 860 is used for according to financing request generation financing guaranty.
Execution system creates financing guaranty according to financing request, so that trade company is financed.
Wherein, it is that trade company is financed that financing module 870, which is used for according to financing guaranty,.
It is that trade company's progress financing is specifically included according to financing guaranty in one embodiment of the application：Obtain melting for trade company
Money plan, and financing guaranty is freezed；Financed according to financing plans and financing guaranty in bond trade market,
Equivalent to the financing that bond market is realized using bill.Further, in another embodiment of the application, financing mortgage
Thing can be associated with Transaction Identification Number, payment serial number, the financing amount of money etc., and the guarantee of financing refund can be carried out as trade company.
For example, as shown in fig. 7, after financing plans are created, execution system can be created according to financing plans
Financing guaranty, and the financing guaranty of establishment is financed.Wherein financing guaranty can include：Financing plans numbering,
Financing plans Transaction Identification Number and the financing amount of money etc..The amount of money of such as financing can be 1000 yuan, can also be 500 yuan.At this
In the embodiment of application, the place that guaranty of financing is financed can be in bond trade market.
Further, in one embodiment of the application, as shown in figure 12, the financing module 870 of the embodiment of the present application is wrapped
Include：Acquisition submodule 871, freeze submodule 872, financing submodule 873.Wherein, acquisition submodule 871 is used to obtain
The financing plans of trade company；Freezing submodule 872 is used to freeze financing guaranty；Submodule 873 of financing is used for basis
Financing plans and financing guaranty are financed in bond trade market.
Further, in one embodiment of the application, as shown in figure 13, the shopping checkout apparatus 800 of the embodiment of the present application
Also include：Second insurance generation module 8710.Wherein, the second insurance generation module 8710 is used for according to financing guaranty life
Into the corresponding credit assurance insurance of financing guaranty.
Further, in one embodiment of the application, as shown in figure 14, the second insurance generation module 8710 includes：
Second acquisition module 8711, the second defrosting module 8712, refund module 8713, the second judge module 8714 and second are protected
Dangerous payment module 8715.
Wherein, the second acquisition module 8711 is used for the repayment schedule for obtaining trade company.
In one embodiment of the application, authorize platform about to definite time-lag automatic triggering refund operation according to trade company, can lead to
Corresponding trade company's payment request information in inquiry database is crossed, the repayment schedule of trade company is obtained.It should be noted that trade company
Repayment schedule can include account, ticket number, repayment amount and refund time of trade company etc..
Wherein, the second defrosting module 8712 is used for when repayment schedule meets refund condition, and financing guaranty is thawed.
In one embodiment of the application, when financing plans are to the end time, platform is authorized to trigger refund behaviour automatically
Make.As shown in Fig. 2 authorizing platform to complete to honour an agreement, and can be insured according to about specified time defrosting trade company assets by trade company
Credit assurance insures to ensure the reliability refunded, even if exception occurs in the account of trade company, firm by credit assurance insurance progress
Property compensate.Said process can also be described by Fig. 7, be no longer described in detail herein.
Wherein, refund module 8713 is used to transfer the corresponding assets of financing guaranty with to financing according to financing guaranty
Fang Jinhang refunds.
After the assets of merchant account are thawed, platform is authorized to transfer redrawing funds automatically according to bill guaranty to bond
Trade market performs operation of refunding.
In another embodiment of the application, after trade company receives redrawing funds, if bill guaranty enters in trade company
Row financing, then redrawing funds can be frozen, it is ensured that account is normally carried out.
Wherein, whether the second judge module 8714 is used to judge to refund to succeed.
Further determine whether to refund successfully after authorizing platform that the redrawing funds of trade company are transferred to bond trade market.It is right
The situation of refund carries out judging that the refund information that can be sent to trade company by execution system is judged, when trade company refunds successfully,
Execution system will send successful message of refunding to trade company, and when trade company refunds failure, execution system can equally be sent out to trade company
Message is sent, to remind this refund operation failure of trade company, to carry out relevant treatment to this refund.
Wherein, if the second insurance payment module 8715 judges to refund unsuccessful for the second judge module 8714, according to
The corresponding credit assurance insurance of financing guaranty is paid.
In embodiments herein, when the refund failure of trade company, the letter that execution system can be insured automatically according to trade company
With guarantee insurance, company pursues a claim, after credit assurance insurance company carries out Claims Resolution completion, the credit assurance of insuring of trade company
Insurance will failure.Payment of the application by receiving user asks to generate corresponding bill, can generate bill according to bill and support
Wagering, and be provided to trade company and financed, so as to improve the peace of payment in the case where not changing form of payment
Quan Xing, and the safety problem existed during shopping clearing can be effectively reduced, and the maximum revenue of user is realized, improve
User satisfaction.
In the description of the present application, it is to be understood that term " first ", " second " are only used for describing purpose, without being understood that
To indicate or implying relative importance or the implicit quantity for indicating indicated technical characteristic.Thus, " first ", " are defined
At least one this feature can be expressed or be implicitly included to two " feature.In the description of the present application, " multiple " are meant that
At least two, such as two, three etc., unless otherwise specifically defined.
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specific example ",
Or the description of " some examples " etc. means to combine specific features, structure, material or the feature bag that the embodiment or example are described
It is contained at least one embodiment of the application or example.In this manual, to the schematic representation of above-mentioned term necessarily
It is directed to identical embodiment or example.Moreover, specific features, structure, material or the feature of description can be any
Combined in an appropriate manner in individual or multiple embodiments or example.In addition, in the case of not conflicting, the skill of this area
Not be the same as Example or the feature of example and non-be the same as Example or example described in this specification can be combined by art personnel
And combination.
Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes one
Or more be used for executable instruction the step of realize specific logical function or process code module, fragment or part,
And the scope of the preferred embodiment of the application includes other realization, wherein order that is shown or discussing can not be pressed,
Including according to involved function by it is basic simultaneously in the way of or in the opposite order, carry out perform function, this should be by the application's
Embodiment person of ordinary skill in the field is understood.
It should be appreciated that each several part of the application can be realized with hardware, software, firmware or combinations thereof.In above-mentioned reality
Apply in mode, software that multiple steps or method can be performed in memory and by suitable instruction execution system with storage or
Firmware is realized.If, and in another embodiment, can be with well known in the art for example, realized with hardware
Any one of row technology or their combination are realized：With the logic gates for realizing logic function to data-signal
Discrete logic, the application specific integrated circuit with suitable combinational logic gate circuit, programmable gate array (PGA) is existing
Field programmable gate array (FPGA) etc..
Those skilled in the art be appreciated that to realize all or part of step that above-described embodiment method is carried is can
To instruct the hardware of correlation to complete by program, described program can be stored in a kind of computer-readable recording medium,
The program upon execution, including one or a combination set of the step of embodiment of the method.
In addition, each functional unit in the application each embodiment can be integrated in a processing module or each
Individual unit is individually physically present, can also two or more units be integrated in a module.Above-mentioned integrated module was both
It can be realized in the form of hardware, it would however also be possible to employ the form of software function module is realized.If the integrated module with
The form of software function module realize and as independent production marketing or in use, can also be stored in one it is computer-readable
Take in storage medium.
Storage medium mentioned above can be read-only storage, disk or CD etc..Although having been shown and described above
Embodiments herein, it is to be understood that above-described embodiment is exemplary, it is impossible to be interpreted as the limitation to the application,
One of ordinary skill in the art can be changed to above-described embodiment, change, replacing and modification within the scope of application.
Claims (16)
1. one kind shopping settlement method, it is characterised in that comprise the following steps：
Receive the payment request that user pays to trade company；
Corresponding assets in the account of user according to the payment request for freezing, and generate the corresponding ticket of the payment request
According to the bill guaranty generated according to the bill；
The bill guaranty is provided to the trade company so that the trade company is financed according to the bill guaranty.
2. settlement method of doing shopping as claimed in claim 1, it is characterised in that the trade company enters according to the bill guaranty
Row financing further comprises：
The financing request of the trade company is received, wherein, the financing request includes at least one bill guaranty；And
It is that the trade company is financed according to the financing request generation financing guaranty, and according to the financing guaranty.
3. settlement method of doing shopping as claimed in claim 2, it is characterised in that also include：
The corresponding credit assurance insurance of the bill guaranty is generated according to the bill guaranty.
4. settlement method of doing shopping as claimed in claim 3, it is characterised in that also include：
Obtain the repayment schedule of the user；
When the repayment schedule meets refund condition, corresponding assets in the account of the user are thawed；
The corresponding assets in the account are transferred according to the bill guaranty to pay to the trade company；
Judge whether the payment succeeds；
If described pay unsuccessful, paid according to the corresponding credit assurance insurance of the bill guaranty.
5. settlement method of doing shopping as claimed in claim 2, it is characterised in that described is described according to the financing guaranty
Trade company carries out financing and specifically included：
The financing plans of the trade company are obtained, and the financing guaranty is freezed；
Financed according to the financing plans and the financing guaranty in bond trade market.
6. settlement method of doing shopping as claimed in claim 5, it is characterised in that also include：
According to the corresponding credit assurance insurance of the financing guaranty generation financing guaranty.
7. settlement method of doing shopping as claimed in claim 6, it is characterised in that also include：
Obtain the repayment schedule of the trade company；
When the repayment schedule meets refund condition, the financing guaranty is thawed；
The corresponding assets of the financing guaranty are transferred to be refunded to financier according to the financing guaranty；
Judge whether the refund succeeds；
If the refund is unsuccessful, paid according to the corresponding credit assurance insurance of the financing guaranty.
8. settlement method of doing shopping as claimed in claim 1, it is characterised in that account of the bill including the user,
Ticket number, payment and Transaction Identification Number, the bill guaranty include the ticket number, the payment and described
Transaction Identification Number.
9. one kind shopping checkout apparatus, it is characterised in that including：
First receiving module, is asked for receiving the payment that user pays to trade company；
Freeze module, for corresponding assets in the account of user according to the payment request for freezing；
First generation module, for generating the bill guaranty for paying the corresponding bill of request and being generated according to the bill；
Module is provided, for the bill guaranty to be provided to the trade company so that the trade company is according to the bill guaranty
Financed.
10. checkout apparatus of doing shopping as claimed in claim 9, it is characterised in that also include:
Second receiving module, the financing for receiving the trade company is asked, wherein, the financing request includes at least one
Bill guaranty；And
Second generation module, for according to the financing request generation financing guaranty；
Financing module, for being that the trade company is financed according to the financing guaranty.
11. checkout apparatus of doing shopping as claimed in claim 10, it is characterised in that also include：
First insurance generation module, is protected for generating the corresponding credit assurance of the bill guaranty according to the bill guaranty
Danger.
12. checkout apparatus of doing shopping as claimed in claim 11, it is characterised in that also include：
First acquisition module, the repayment schedule for obtaining the user；
First defrosting module, for when the repayment schedule meets refund condition, to being provided accordingly in the account of the user
Production is thawed；
Payment module, for being transferred according to the bill guaranty to the corresponding assets in the account with to the trade company
Paid；
First judge module, for judging whether the payment succeeds；
First insurance payment module, for when first judge module judges that the payment is unsuccessful, according to the bill
The corresponding credit assurance insurance of guaranty is paid.
13. checkout apparatus of doing shopping as claimed in claim 10, it is characterised in that the financing module is specifically included：
Acquisition submodule, the financing plans for obtaining the trade company；
Freeze submodule, for freezing to the financing guaranty；
Financing submodule, for being financed according to the financing plans and the financing guaranty in bond trade market.
14. checkout apparatus of doing shopping as claimed in claim 13, it is characterised in that also include：
Second insurance generation module, for being protected according to the corresponding credit assurance of the financing guaranty generation financing guaranty
Danger.
15. checkout apparatus of doing shopping as claimed in claim 14, it is characterised in that also include：
Second acquisition module, the repayment schedule for obtaining the trade company；
Second defrosting module, for when the repayment schedule meets refund condition, being thawed to the financing guaranty；
Refund module, for being transferred according to the financing guaranty to the corresponding assets of the financing guaranty with to financing
Fang Jinhang refunds；
Second judge module, for judging whether the refund succeeds；
Second insurance payment module, if judge to refund unsuccessful for second judge module, is supported according to the financing
The corresponding credit assurance insurance of wagering is paid.
16. checkout apparatus of doing shopping as claimed in claim 9, it is characterised in that account of the bill including the user,
Ticket number, payment and Transaction Identification Number, the bill guaranty include the ticket number, the payment and described
Transaction Identification Number.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610121372.9A CN107153952A (en) | 2016-03-03 | 2016-03-03 | Shopping settlement method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610121372.9A CN107153952A (en) | 2016-03-03 | 2016-03-03 | Shopping settlement method and device |
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| Publication Number | Publication Date |
|---|---|
| CN107153952A true CN107153952A (en) | 2017-09-12 |
Family
ID=59791807
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610121372.9A Pending CN107153952A (en) | 2016-03-03 | 2016-03-03 | Shopping settlement method and device |
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| CN (1) | CN107153952A (en) |
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