CN110544079A - Quality-payable online transaction system and method - Google Patents

Quality-payable online transaction system and method Download PDF

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Publication number
CN110544079A
CN110544079A CN201910845891.3A CN201910845891A CN110544079A CN 110544079 A CN110544079 A CN 110544079A CN 201910845891 A CN201910845891 A CN 201910845891A CN 110544079 A CN110544079 A CN 110544079A
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CN
China
Prior art keywords
quality
payment
payable
transaction
online transaction
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Pending
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CN201910845891.3A
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Chinese (zh)
Inventor
赵春雨
其他发明人请求不公开姓名
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Qingdao Law As Media Advisory Center
Zhao Shanke
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Qingdao Law As Media Advisory Center
Zhao Shanke
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Application filed by Qingdao Law As Media Advisory Center, Zhao Shanke filed Critical Qingdao Law As Media Advisory Center
Priority to CN201910845891.3A priority Critical patent/CN110544079A/en
Publication of CN110544079A publication Critical patent/CN110544079A/en
Priority to PCT/CN2020/110225 priority patent/WO2021047364A1/en
Priority to GB2205210.4A priority patent/GB2603406A/en
Priority to AU2020346190A priority patent/AU2020346190A1/en
Pending legal-status Critical Current

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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

Abstract

The invention provides a quality payable online transaction system and method. The system comprises a member terminal, a quality payment platform and a quality payment online transaction system which are connected through an interconnection network; the method for escorting the payment of the goods by taking the quality-payable electronic money as the quality-payable material comprises the steps of quality-payable online transaction preparation and quality-payable online transaction, and the online transaction is carried out by a seller member and a buyer member through a quality-payable platform.

Description

quality-payable online transaction system and method
Technical Field
The invention relates to the field of online transaction, in particular to a quality payable online transaction system and method.
Background
with the development of the internet, the internet transaction is performed by means of the internet and intercommunication network, which increasingly becomes an indispensable transaction mode.
According to different electronic payment instruments for online transactions, online transactions can be divided into two categories: one is online transaction using electronic money (also called legal money or electronic cash) approved or issued by the country as a payment means, and the other is online transaction using electronic tokens (also called virtual money or digital tokens) issued by an online payment platform provider as a payment means.
The main problems of the online transaction taking electronic money as a payment tool are as follows: 1. and paying security risk on the internet. The electronic money and the online transaction payment account (also called electronic account or electronic purse) have the inherent physical inseparable defect, the inherent dependence of the electronic money on the electronic account, and the electronic money is based on the instant transfer payment attribute generated by national credit, so that online transaction users store the electronic money in the electronic account, and the risk of stealing or stealing the electronic money by network lawless persons is always faced because the network crime prevention technology is inherently lagged behind the network crime technology; 2. and ensuring risks in online transactions. The electronic money has the defect of one-way single-side guarantee in nature, so that the benefit of an active transaction party is difficult to guarantee, for example, in a money-to-delivery online transaction mode, after a payer (a receiver) pays a goods, the payer (the receiver) may face the risks that the goods cannot be received, the received goods are not selected for purchase or the received goods are counterfeit and faked; in the online transaction mode, the consignor (payee) may be at risk of not receiving the payment or not receiving the entire payment after sending the goods.
The main problems of the online transaction using the electronic token as the payment tool are as follows: 1. the electronic tokens themselves lack legitimacy. No matter what kind of name the electronic token is sold, and no matter how large the sale range is, the electronic token is inevitably suspected to replace the legal currency in the internet field as the function of circulation means, which is unacceptable by the law of any one main right country; 2. the risk of the transaction is enormous. The electronic token has different selling merchants with different credits, and the money buyer has no return on the blood if the electronic token selling merchants fail to invest or roll money and run.
The first approval of the government in 9 months of 2017 is to investor to raise so-called "virtual currency", which is essentially an unauthorized act of illegal open financing, and decide to close the exchange of virtual currency in China.
In order to overcome the inherent deficiency problem of electronic money in the aspects of online payment safety and online transaction guarantee, and simultaneously solve the legality problem of the traditional electronic token and reduce the transaction risk, the inventor takes the Internet plus and the law plus as the guide, carries out theoretical innovation and method innovation on the basis of the existing Internet technology, computer technology and traditional civil law theory, invents a quality and payment object, namely the quality and payment electronic money, which integrates the advantages of quality and payment objects, equivalent objects and the like, and the quality and payment object is not limited to the electronic form and can be in other forms including the real object; on the basis, the invention discloses a quality payable online transaction system and method.
at present, no public data of related online transaction system and method for paying the goods by using the quality-payable electronic money as the quality-payment material is searched.
Disclosure of Invention
Based on the problems in the background art, the invention provides a quality payable online transaction system and method.
A quality payable online transaction system, the quality payable online transaction system comprising: the system is a generalized quality-paying online transaction system which is connected through an interconnection network and is used for online transaction between a seller member and a buyer member through the quality-paying platform; the seller member-side electronic device and the buyer member-side electronic device jointly call a member-side electronic device; the seller member communication device and the buyer member communication device collectively being a member communication device; the seller member end quality payment online transaction system and the buyer member end quality payment online transaction system are called a member end quality payment online transaction system together; the member end electronic equipment, the member communication equipment and the member end qualified online transaction system are collectively called a member end; the electronic device of the seller member end, the communication device of the seller member and the online payment transaction system of the seller member end are collectively called a seller member end, the electronic device of the buyer member end, the communication device of the buyer member and the online payment transaction system of the buyer member end are collectively called a buyer member end, and the electronic device of the seller member end and the online payment system of the buyer member end are collectively called a member end.
Wherein the content of the first and second substances,
The member end electronic equipment is provided with a member end quality payment online transaction system and is used for logging in a quality payment platform and engaging in quality payment online transaction and related activities through the quality payment platform.
The member communication device includes: the main communication equipment and the standby communication equipment are used for carrying out member identification information and quality payment identification information verification communication and quality payment transaction communication with the quality payment platform; the standby communication equipment is also used for receiving information change or abnormal transaction reminding when the member registration authentication information or/and the qualified account binding information change or abnormal transaction occurs, and processing the change information or the abnormal transaction.
the seller member terminal is used for seller members to perform seller membership registration authentication, store authentication, goods quality authentication, purchase quality-payable electronic coins, log in a quality-payable platform, perform quality-payable online transaction and the like.
the buyer member end is used for the buyer member to register and authenticate the buyer membership, register and register goods for sale, purchase quality-payable electronic money, log in a quality-payable platform, perform quality-payable online transaction and the like.
The member end quality payment online transaction system is used for connecting the quality payment online transaction system of the quality payment platform end, and is used for sending, receiving, storing and processing quality payment online transaction data telegraph text, purchasing quality payment electronic coins, logging in the quality payment platform, performing quality payment online transaction and the like; the method comprises the following steps: the member management module is used for member registration authentication, member authority opening, member information storage, member authentication and maintenance, member identity identification information inquiry, registered member public information and the like; the quality payment management module is used for the member to open a quality payment account, purchase, store, receive and pay and settle quality payment electronic coins, sign or sign quality payment tickets, transact quality payment redemption, redeem payment or quality transfer payment, store, verify and maintain quality payment electronic coin information, member quality payment information and member quality payment identification information, and cut off the path of stealing electronic cash and the like; the store management module/the false shop management module is used for transacting store authentication, goods quality authentication, item inventory, accepting or issuing a quality payable order or a quality payable item order, storing and maintaining store and goods information by a seller member, or is used for transacting item inventory, issuing a quality payable order, accepting or issuing a quality payable item order, storing and maintaining the information of the item inventory and the goods, transacting a false shop and upgrading the store and the like by a buyer member; the dispute management module is used for applying for qualification online transaction dispute resolution by members, processing qualification online transaction disputes, selecting expert consultants and appointed local resolvers, executing qualification payment effective resolution or applying for qualification payment effective resolution execution and first compensation and the like; the after-sale management module is used for providing or receiving the quality payment online transaction after-sale service by the member; and the evaluation management module is used for evaluating the quality payable online transaction by the member.
The quality payment platform, namely the quality payment online transaction platform, is a general name of electronic equipment and communication equipment at the quality payment platform end, and is provided with a quality payment online transaction system at the quality payment platform end, and is used for receiving, storing, processing and sending online transaction data telegraph text and communication information of the quality payment online transaction, and providing services such as purchase and sale, storage, receipt and payment, redemption acceptance, redemption payment, settlement and the like of quality payment electronic coins.
The quality payment platform end quality payment online transaction system comprises: the member management module is used for providing auditing, supervision and service for member registration authentication, member permission opening, registered member public information inquiry and the like, and storing, verifying and maintaining member information and member identity identification information; the quality payment management module is used for issuing a quality payment account for the member, purchasing, storing, receiving, paying and settling quality payment electronic coins, issuing or signing a quality payment ticket, transacting quality payment acceptance, redemption payment or quality transfer payment and the like, providing auditing, monitoring and service, storing, verifying and maintaining quality payment electronic coin information, member quality payment information and member quality payment identification information, synchronously taking quality payment prefreezing, freezing or releasing quality payment prefreezing, freezing measures and the like for quality payment security or guarantee measures, and cutting off a path for stealing electronic cash; the system comprises a shop management module (shop management module) and a system management module, wherein the shop management module (shop management module) is used for providing auditing, supervision and service for members to transact shop authentication or shop upgrading, goods quality authentication or item planning, issue or receive quality payable orders or quality payable item orders and the like, and storing and maintaining information of shops/shops and goods/items; the dispute management module is used for providing auditing, monitoring and service for member applying for qualification payment online transaction dispute resolution, processing qualification payment online transaction dispute, selecting expert consultants, appointing own resolvers, executing qualification payment effective resolution or applying for qualification payment effective resolution execution and first compensation and the like, and is also used for assisting in executing legal documents which are in effect and have mandatory execution capacity content in related judicial departments and administrative departments; the after-sale management module is used for providing auditing, monitoring and service for members or receiving quality payment online transaction after-sale service and the like; and the evaluation management module is used for providing auditing, supervision and service for member quality payable online transaction evaluation and the like.
The system is a narrow-sense quality-paying online transaction system, is connected with a member end and a quality-paying platform and is used for purchasing quality-paying electronic coins by the members, logging in the quality-paying platform, performing quality-paying online transaction and the like, purchasing the quality-paying electronic coins by the members, logging in the quality-paying platform, performing quality-paying online transaction and the like, and providing auditing, supervision and service for the quality-paying online transaction and the like by the members, logging in the quality-paying platform, performing the quality-paying online transaction and the like.
Further, the dispute management module further includes: the quality payment and loss reporting prompting submodule is used for applying the quality payment electronic coin for loss reporting by the member, recovering the stolen or lost quality payment electronic coin, and providing auditing, supervision and service for applying the quality payment electronic coin for loss reporting by the member, recovering the stolen or lost quality payment electronic coin and the like; the quality payment failure reporting urging submodule comprises: a membership terminal qualified payment and loss reporting urging submodule and a qualification payment platform terminal qualified payment and loss urging submodule; the membership terminal quality payment loss urging submodule comprises: a seller member terminal quality payment loss urging submodule and a buyer member terminal quality payment loss urging submodule, wherein the quality payment platform terminal quality payment loss urging submodule.
and
the quality-payable security and guarantee submodule is used for applying quality-payable property security and/or providing quality-payable property guarantee and the like for the members, providing auditing, supervision and service for applying quality-payable property security and/or providing quality-payable property guarantee and the like for the members, and also used for taking quality-payable security and/or quality-payable guarantee measures and the like for quality-payable reported property, quality-payable security property and/or quality-payable guarantee property; the quality payable security and vouching sub-module comprising: a member terminal quality payment security and guarantee sub-module and a quality payment platform terminal quality payment security and guarantee sub-module; the membership terminal warranty payment security and guarantee sub-module comprises: the system comprises a seller member terminal quality payment security and guarantee sub-module and a buyer member terminal quality payment security and guarantee sub-module, wherein the quality payment platform terminal quality payment security and guarantee sub-module.
And
The quality payment and effectiveness judgment tracking sub-module is used for executing quality payment and effectiveness judgment or applying for quality payment and effectiveness judgment execution and first compensation and the like by the member, providing auditing, supervision and service for executing quality payment and effectiveness judgment or applying for quality payment and effectiveness judgment execution and first compensation and the like by the member, and is also used for assisting in executing effective legal documents with mandatory execution contents by related judicial departments and administrative departments; the qualification-payable validation tracking submodule comprises: a membership terminal qualification payment and effectiveness judgment tracking sub-module and a qualification payment and effectiveness judgment tracking sub-module of a qualification payment platform terminal; the membership terminal qualification payment effective sanction tracking submodule comprises: the system comprises a seller member terminal quality payment and decision-making tracking sub-module and a buyer member terminal quality payment and decision-making tracking sub-module, wherein the quality payment and decision-making tracking sub-module of the quality payment platform terminal is used for tracking quality payment and decision-making.
a quality payable online transaction method, comprising the steps of:
Step A: preparing a quality payable online transaction;
And B: and (4) quality paying online transaction steps.
The quality payable online transaction preparation step comprises:
Step A1: logging in a qualified online transaction system of a member end, completing registration authentication and acquiring registration membership;
step A2: opening a quality payment account, purchasing the quality payment electronic money, and recharging the quality payment account; a registered member who does not sign a quality-payable bidirectional multilateral guarantee agreement purchases quality-payable electronic money for the first time and needs to sign the quality-payable bidirectional multilateral guarantee agreement;
Step A3: the seller member rates the goods in legal currency to pay the price of the electronic currency; the buyer member selects the good.
the quality payable online transaction step comprises the following steps:
Step B1: the buyer member issues a quality payment order, and the seller member receives the quality payment order;
Step B2: after the seller member accepts the quality payment order, the buyer member pays the quality payment electronic money to the seller member according to a certain proportion of the payment by agreement, and pays the deposit in a quality payment mode;
The seller member receives the quality payment fixed fee; registered members who do not sign the two-way multi-lateral guarantee agreement can receive the quality-paid electronic money for the first time, and need to sign the two-way multi-lateral guarantee agreement.
step B3: after receiving the subscription, the seller member sends the goods; after the goods are delivered, the buyer member receives the goods;
Step B4: after receiving the goods, the buyer member pays a qualified payment tail to the seller member; seller members receive qualified payment tail;
Step B5: the seller member submits the quality payment purchase flow record and other prompt redemption payment to the quality payment platform;
After receiving the prompt redemption payment, the quality payment platform carries out quality payment redemption payment audit; and after the audit is passed, paying the seller member for the price-checking redemption money on the due date, and redeeming the qualified payment electronic money.
step B6: the seller member confirms that the price is received and the money is redeemed, and the quality-payable online transaction is finished; the seller member uses the collected quality payment electronic coin for new quality payment transaction, and the quality payment online transaction is finished when the quality payment electronic coin is successfully placed in a pledge; a broad, quality payable online transaction, further comprising:
Step B7: a step of quality payment after-sale service;
step B8: evaluating the quality payment member;
The quality payable online transaction step is a quality payable fixed-deposit transaction step, and when the quality payable fixed deposit is zero, the quality payable fixed-deposit transaction is converted into a quality payable goods payment transaction; when the quality payment fixed amount is equal to the quality payment full amount, the quality payment fixed amount transaction is converted into a quality payment to delivery transaction; when the cash value of the prime payable subscription fee exceeds the statutory subscription fee maximum limit or falls below the statutory subscription fee minimum limit (if any) or loses prime payable subscription fee property, the prime payable subscription fee transaction is converted into a prime payable pre-payment transaction, a prime payable installment transaction, or the like.
The quality-payable online transaction is a novel online transaction for paying the goods money by taking a quality-payable electronic coin with a quality-escorting payment function as a quality-payment substance, and is called quality-payable transaction or quality payment for short; the quality payment is a novel online transaction mode and a novel online transaction payment mode.
Under the quality payment mode, a buyer member purchases quality payment electronic coins from a quality payment platform, and accepts redemption, authorization or permission through the quality payment platform, all or part of purchased or collected quality payment electronic coins are taken as quality payment materials, all or part of cash is paid to a seller member in a quality mortgage, and the quality payment platform is committed or entrusted by self to pay the seller member with conditional due redemption and payment within a specified period; the seller member receives the payment of the goods by the buyer member by taking the quality-payable electronic money as the quality-payable substance, and applies for the expired redemption payment to the buyer member or the quality-payable platform when the condition is fulfilled; the quality payment platform sells the quality-payable electronic currency to a buyer member according to a certain ratio of legal currency to the quality-payable electronic currency, commits to redeem payment if the condition is due within a specified period, and pays redeem payment to a holding member on the due date according to a certain ratio of the quality-payable electronic currency to the legal currency when the condition is fulfilled, and redeems the quality-payable electronic currency.
The quality-payable online transaction can be divided into an optical-currency quality-payable transaction and a ticket quality-payable transaction according to whether the quality-payable electronic currency can be used alone or not, wherein the optical-currency quality-payable transaction refers to the quality-payable transaction of paying the money only by taking the quality-payable electronic currency as the quality-payable matter; the light money can pay for the transaction, and the quality-payable electronic money does not need to be used together with the quality-payable ticket, is not named and is also called as anonymous quality-payable transaction; the said ticket can pay deal with quality refers to the card can pay deal with quality that the electronic currency must be used together with the card of quality payment that records the said card can pay the electronic currency; the right certificate can pay the trade, can pay the right certificate record and pay the information of the right person of quality, also known as the name can pay the trade of quality; according to the difference of quality payment documents attached to quality payment certificates, the quality payment transactions of the certificates are divided into the quality payment transactions with the bills and the quality payment transactions with the tickets; the bill following quality payment transaction is also called as bill currency quality payment transaction, and refers to quality payment transaction that quality payment electronic coins must be used together with a quality payment ticket recording the quality payment electronic coins, and a quality payment document attached to the quality payment ticket is not limited to the quality payment ticket; the quality payment ticket needs to be used by a user through prompting redemption and obtaining a quality payment platform redemption, namely a redemption-based quality payment transaction; the quality payment transaction with the ticket is also called as ticket and coin quality payment transaction, which means that the quality payment electronic coin must be used together with a quality payment ticket recording the quality payment electronic coin, and a quality payment document attached to the quality payment ticket is limited to the quality payment transaction with the quality payment ticket, and the quality payment transaction with the ticket is a special quality payment transaction with the ticket; the method can be used for carrying out quality payment transaction with a ticket, the quality payment ticket can obtain the redeemable platform without prompting the redemption, the method is also called fast and quality payment transaction, the generalized fast and quality payment transaction comprises light-coin quality payment transaction, and the narrow fast and quality payment transaction only refers to the ticket-coin quality payment transaction; the ticket and coin quality payment transaction is divided into real ticket quality payment transaction and credit ticket quality payment transaction according to different quality payment electronic coin purchasing modes; the real ticket quality payment transaction is also called as a real coin quality payment transaction, and the real coin quality payment transaction refers to a bill coin quality payment transaction in which a quality payment electronic coin purchased in a pre-payment mode is used as a quality payment substance to pay the money; the real money quality payment transaction is not limited to the real ticket quality payment transaction, and also comprises the light money quality payment transaction and the like; the credit ticket quality payment transaction is also called credit quality payment transaction or credit coin quality payment transaction, and refers to the bill coin quality payment transaction of paying the goods money by using quality payment substances as quality payment electronic coins purchased in a later payment mode.
the quality payment online transaction can be further divided into quality payment transaction, quality transfer transaction and mixed quality payment transaction according to different sources of quality payment electronic coins, wherein the quality payment transaction refers to quality payment transaction for depositing payment of goods by taking the purchased quality payment electronic coins as quality payment substances; the quality payment transaction for depositing payment of the goods by taking the collected anonymous quality payment electronic money as a quality payment substance is regarded as a quality payment transaction, and the narrow quality payment transaction only refers to the quality payment transaction, wherein the famous quality payment electronic money purchased once is divided into a plurality of parts, and the quality payment transaction for depositing payment of the goods by taking one part as the quality payment substance is called a partial quality payment transaction; the quality-transfer payment transaction refers to the quality-transfer payment transaction for depositing payment of the goods by taking the collected registered quality-transfer electronic coin as a quality-transfer substance, wherein the singly collected registered quality-transfer electronic coin is divided into a plurality of parts, and the quality-transfer payment transaction for depositing payment of the goods by taking one part as the quality-transfer substance is called a partial quality-transfer payment transaction; the mixed quality payment transaction refers to the quality payment transaction of depositing payment of goods by taking purchased and collected quality payment electrons as quality payment substances, and also comprises and is not limited to the quality payment transaction of depositing payment of goods by taking different types of quality payment electronic coins as quality payment substances; broad applicable quality payment network transactions include quality payment transactions, quality transfer transactions and hybrid applicable quality payment transactions.
The quality-payable online transaction can be divided into self-redeemable quality-payable transaction and commission redeemable quality-payable transaction according to different quality-payable electronic coin redemption payment main bodies; the self-redeemable quality payment transaction refers to the quality payment transaction that the buyer member escorts to pay the goods by taking the quality-payable electronic coin as the quality-payment substance and automatically commits the conditional expiration and the redemption payment; the redeeming and quality-paying transaction refers to a quality-paying transaction that a buyer member escorts payment by using quality-paying electronic coins as quality-paying substances and commissions a quality-paying platform to perform conditional expiration and redemption payment.
The qualifying online transactions further include a negotiated qualifying transaction, which refers to a qualifying transaction with a fast payment or a delayed payment of a collected qualifying electronic money by adjusting (shortening/lengthening) a periodic redemption of a payment countdown ending time; wherein, the quality payment transaction of the collected quality payment bare coin fast payment by shortening the countdown ending time of the periodical redemption payment is called the bare coin fast payment quality payment transaction; a quality payable transaction in which a bill is paid quickly in a collected quality payable bill by shortening the countdown ending time for the periodic redemption payment is called a bill quick pay quality payable transaction.
Further, the method may further comprise a qualification payable online transaction dispute resolution step, wherein the qualification payable online transaction dispute resolution step comprises:
Step C1: the quality payment can be carried out on the network for dispute and sanction application and acceptance; the dispute member does not apply for the quality-payable property security and provides the price-payable property security, the proposed quality-payable online transaction dispute resolution application triggers the quality-payable security and security sub-module, and starts the quality-payable property security and security procedure; the dispute member applies for the property security of the quality payment and provides the property security of the price quality payment, and the quality payment platform accepts the application of the online transaction dispute resolution of the quality payment;
Step C2: quality-payable online transaction dispute resolution;
Step C3: quality-payable online transaction dispute resolution review; the quality-payable online transaction dispute resolution book and the quality-payable online transaction dispute resolution book which is not applied for review within a specified period are both effective quality-payable resolution book or quality-payable effective resolution book; triggering a quality payment effective judgment tracking sub-module once the quality payment effective judgment book takes effect, and starting a quality payment effective judgment tracking program;
step C4: the quality-payable online transaction dispute resolution public affairs; the quality-payable counseling does not stop execution of the quality-payable validation and does not change the result of the quality-payable validation.
further, the method may further include a step of determining execution of the eligibility decision and a step of first compensation, wherein the step of determining execution of the eligibility decision and the step of first compensation includes:
step D1: the effective decision execution of the quality payment and the first application and acceptance of the compensation can be carried out;
Step D2: determining the total amount of the execution money capable of being paid qualitatively and the total amount of the first-degree-of-loss money capable of being paid qualitatively;
Step D3: paying the applicant with the quality payable first-claim money, recovering the quality payable first-claim loss from the applicant, and executing the quality payable difference execution money (if any); the first loss of the quality payment is fully recovered and the execution of the quality payment is fully completed, the quality payment is effective and the execution is determined and the first compensation is finished.
the quality-payable online transaction system and method provided by the invention have the following technical advantages: firstly, the safety and the legality of the online transaction are guaranteed, the invention takes the electronic money which can be paid qualitatively and has the functions of bidirectional multilateral guarantee and legality as the online transaction payment tool, thereby solving the problems of stealing and stealing the electronic money and the defects of unidirectional unilateral guarantee and legality of the electronic token; meanwhile, the quality-payable electronic coin is used as a quality-payable object with a bidirectional multilateral guarantee function, is a special object for guaranteeing the property right, is protected by law, and also ensures that the interests of coin purchasers are also protected by law; moreover, the quality-payable online transaction takes legal currency as a pricing unit, and the authority of the legal currency as a legal payment settlement tool in the Internet field is maintained. Secondly, the online transaction is convenient, fast and fully compatible, and the small-amount online transaction can select the smooth money payable transaction, which is convenient as using change; the general online transaction can select the quality payment transaction of the ticket and the coin, and is as quick as the money order which is paid by the ticket at the moment of ticket seeing; the large-amount online transaction can be selected from single-currency and quality-payable transaction, and is standardized like using a documentary letter of credit; the member with credit quality payment authority can select credit and coin quality payment transaction in a later payment mode, and the invention is compatible with electronic cash transaction, third party payment transaction and the like, honors and assists in executing the validated legal documents with mandatory execution content in related judicial departments and administrative departments.
drawings
Fig. 1 shows a schematic diagram of architecture and main flow of a quality payable online transaction system provided by an embodiment of the invention.
fig. 2 is a flow chart illustrating preparation of a qualified online transaction according to an embodiment of the present invention.
Fig. 3 is a flow chart illustrating a quality payable online transaction provided by an embodiment of the invention.
FIG. 4 is a flow diagram illustrating a dispute resolution for a payable online transaction according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating the implementation of the eligibility decision and the first compensation according to the embodiment of the present invention.
Detailed Description
the present invention relates to a quality payable online transaction system and method, and more particularly, to a quality payable online transaction system and method.
Referring to the architecture and main flow diagram of the quality payable online transaction system shown in fig. 1. The quality-payable online transaction system comprises: the system comprises seller member end electronic equipment 1, seller member communication equipment 2, seller member end quality payment online transaction system 3, buyer member end electronic equipment 4, buyer member communication equipment 5, buyer member end quality payment online transaction system 6, quality payment platform 7 and quality payment platform end quality payment online transaction system 8, wherein the systems are generalized quality payment online transaction systems and are connected through an interconnection network; the seller member-side electronic device 1 and the buyer member-side electronic device 4 jointly call a member-side electronic device 1/4; the seller member communication device 2 and the buyer member communication device 5 collectively refer to a member communication device 2/5; the seller member-side qualified online transaction system 3 and the buyer member-side qualified online transaction system 6 are collectively called a member-side qualified online transaction system 3/6; the member end electronic device 1/4, the member communication device 2/5 and the member end quality payment online transaction system 3/6 jointly call a member end 1/2/3/4/5/6; the member end quality payment online transaction system 3/6 and the quality payment platform end quality payment online transaction system 8 are called a quality payment online transaction system 3/6/8 together, and the system is a narrow quality payment online transaction system; the quality-payable online transaction system referred to in the present invention refers to a broad-sense quality-payable online transaction system, unless otherwise specified.
Wherein the content of the first and second substances,
The member end electronic equipment 1/4 is provided with a member end quality payment online transaction system 3/6, and is used for logging in a quality payment platform and engaging in quality payment online transactions and related activities through the quality payment platform; the member-side electronic device includes, but is not limited to, a computer, a television, a telephone with an online transaction function, and a fixed, mobile, portable, or wearable electronic device such as a vehicle-mounted, shipborne, or airborne electronic device, and is also not limited to a member's own electronic device, a payable platform, and a dedicated electronic device or a self-service electronic device provided by a third party authorized or licensed by the payable platform.
The member communication device 2/5, comprising: the primary communication device 21/51 and the backup communication device 22/52 are used for performing member identification information and quality payment identification information verification communication and quality payment transaction communication with the quality payment platform, and the backup communication device is also used for receiving information change or abnormal transaction reminding when the member registration authentication information or/and the quality payment account binding information changes or abnormal transactions occur, and processing the change information or the abnormal transactions; the member communication device includes, but is not limited to, a mobile phone, a telephone, an e-mail, and other communication devices capable of providing instant messaging services such as text, audio, or video.
The member-side quality-paying online transaction system 3/6 includes: the member management module 31/61 is used for member registration authentication, member authority activation, member information storage, member identification information verification and maintenance, registered member public information inquiry and the like; a quality payment management module 32/62, which is used for the member to open the quality payment account, purchase, store, receive, pay and settle the quality payment electronic coin, issue or sign the quality payment ticket, transact the quality payment redemption, redeem payment or quality change payment, store, verify and maintain the quality payment electronic coin information, the member quality payment information and the member quality payment identification information, and cut off the path of stealing the electronic cash; the shop management module 33/the shop management module 63 is used for the seller member to transact the shop authentication, the goods quality authentication, the item inventory, accept or issue the quality payable order or the quality payable order, store and maintain the shop and goods information, or for the buyer member to perform the item inventory, issue the quality payable order, accept or issue the quality payable order, store and maintain the shop and item information, transact the shop for upgrading and the like; a dispute management module 34/64, for the member to apply for the dispute resolution of the payable online transaction, process the payable online transaction dispute, the selected expert consultant and the designated local arbitrator, execute the adjudication of the payable online transaction or apply for the adjudication of the payable online transaction and first compensation, etc.; an after-sale management module 35/65 for members to provide or receive quality payable online transaction after-sale services; and the evaluation management module 36/66 is used for the member to evaluate the quality payable online transaction.
The quality payment platform 7, namely a quality payment online transaction platform, is a general name of electronic equipment and communication equipment at the quality payment platform end, and is provided with a quality payment online transaction system 8 for receiving, storing, processing and sending quality payment online transaction data telegraph text and communication information and providing services such as purchase and sale, storage, receipt and payment, redemption taking, redeem payment and settlement of quality payment electronic coins; the chargable platform is an online transaction payment integrated system which is developed or entrusted by an inventor and has the functions of registration, authentication, transaction, payment, settlement, sanction, execution, communication and the like on the basis of the existing interconnection network technology and computer technology and the ongoing progress; the quality-payable platform belongs to a quality-payable platform provider, and the quality-payable platform provider or a professional organization authorized or licensed by the quality-payable platform provider provides services such as management, operation, safety and the like; the qualified payment platform provider sets service mechanisms including but not limited to a qualified payment registration authentication center, a qualified payment recharging settlement center, a qualified payment dispute resolution center and the like or authorization or license professional service mechanisms according to needs, and provides services such as registration authentication, recharging settlement, dispute resolution and the like for members to engage in qualified payment online transactions on behalf of the qualified payment platform or the qualified payment platform provider; the professional service organization can provide related services on its own name according to the authorization or permission of the qualified platform provider.
The quality payment platform end quality payment online transaction system 8 comprises: the member management module 81 is used for providing auditing, supervision and service for member registration authentication, member authority opening, registered member public information inquiry and the like, and storing, verifying and maintaining member information and member identity identification information; the quality payment management module 82 is used for establishing a quality payment account for the member, purchasing, storing, receiving, paying and settling quality payment electronic coins, issuing or signing quality payment tickets, transacting quality payment redemption, redeeming payment or quality transfer payment and the like, providing auditing, monitoring and service, storing, verifying and maintaining quality payment electronic coin information, member quality payment information and member quality payment identification information, and is used for synchronously adopting quality payment prefreezing, freezing or releasing quality payment prefreezing, freezing measures and the like for quality payment security or guarantee measures, and also used for cutting off a path for stealing electronic cash; a store management module (pseudo-shop management module) 83 for providing auditing, supervision and service for members to transact store authentication or pseudo-shop upgrading stores, goods quality authentication or pseudo-sale item filing, issue or receive quality payable orders or quality payable pseudo-sale orders and the like, and storing and maintaining store/pseudo-shop and goods/pseudo-sale item information and the like; a dispute management module 84, which is used for providing auditing, monitoring and service for member applying for qualification online transaction dispute resolution, processing qualification online transaction dispute, lottery expert consultant and designated self-adjudication member, executing qualification online transaction validation resolution or applying for qualification online transaction validation resolution execution and first compensation, and is also used for assisting in executing legal documents which are in effect and have the content of mandatory execution capacity of related judicial departments and administrative departments; the after-sale management module 85 is used for providing auditing, monitoring and service for members or receiving quality payment online transaction after-sale service and the like; and the evaluation management module 86 is used for providing auditing, supervision and service for member quality payable online transaction evaluation and the like.
the dispute management module 34/64/84, further comprising:
a quality-delivery-loss-contingency sub-module 341/641/841, the quality-delivery-loss-contingency sub-module 341/641/841, comprising: a membership-side quality-payment loss urging sub-module 341/641 and a quality-payment loss urging sub-module 841 of a quality-payment platform side; the membership-side eligibility-payment loss urging sub-module 341/641 includes: a seller member terminal qualified payment loss prompting submodule 341 and a buyer member terminal qualified payment loss prompting submodule 641 for the members to apply for qualified payment electronic money loss and recover stolen or lost qualified payment electronic money; the quality payment reporting and losing urging sub-module 841 at the quality payment platform end is used for providing auditing, supervision and service for members to apply for quality payment electronic coins to report loss, recover stolen or lost quality payment electronic coins and the like.
And
A qualifying payment security and vouching submodule 342/642/842, said qualifying payment security and vouching submodule 342/642/842 comprising: a member terminal quality payment security and guarantee submodule 342/642 and a quality payment platform terminal quality payment security and guarantee submodule 842; the member-side warranty and guarantee sub-module 342/642 includes: a seller member terminal quality payment security and guarantee sub-module 342 and a buyer member terminal quality payment security and guarantee sub-module 642 for the members to apply quality payment property security and/or provide quality payment property guarantee, etc.; the chargeable platform end chargeable security and guarantee submodule 842 is used for providing auditing, supervision and service for member applying for chargeable property preservation and/or providing chargeable property guarantee and the like, and is also used for taking chargeable security and/or chargeable guarantee measures and the like for chargeable reported property, chargeable preserved property and/or chargeable guaranteed property.
And
A quality payable resolution tracking sub-module 343/643/843, said quality payable resolution tracking sub-module 343/643/843 comprising: a membership terminal qualification payment and decision making pursuit sub-module 343/643 and a qualification payment and decision making pursuit sub-module 843; the membership-side eligibility decision-making tracking sub-module 343/643 includes: a seller member terminal qualification payment and decision making tracking sub-module 343 and a buyer member terminal qualification payment and decision making tracking sub-module 643, which are used for the member to execute qualification payment and decision making or apply qualification payment and decision making execution and first compensation, etc.; the qualification-payable platform-side qualification-payable validation tracking sub-module 843 is configured to provide auditing, supervision, and services for members to perform qualification-payable validation or apply qualification-payable validation execution and first compensation, and is further configured to assist in executing legal documents that are validated and have mandatory execution capacity in the relevant judicial departments and administrative departments.
See figure 2 for a schematic flow diagram of quality payable online transaction preparation. The method comprises a quality payment online transaction preparation step, and the quality payment online transaction preparation step comprises the following steps:
Step A1: the potential member uses the member end electronic equipment 1/4 to log in the member end quality-paying online transaction system 3/6 through interconnection networks such as the internet and the like, registration authentication is completed, and registration membership is obtained; wherein, the seller member registration membership is obtained, and the store authentication and the goods quality authentication are required to be completed; the potential member refers to a natural person, a legal person or an organization of a legal person who is supposed to accept or has accepted the qualified membership rules and the qualified payment rules and who has not registered or has registered but has not acquired the registered membership; the registered member refers to a potential member which has acquired the qualification of the registered member, and the registered member is presumed to have the corresponding civil activity capability which is in accordance with the legal regulation of a registration place or a transaction place except that the registered member does not have the corresponding civil activity capability at the time of registration authentication or transaction.
the member terminal electronic device 1/4, without the member terminal quality payment online transaction system 3/6 installed, may download and install the member terminal quality payment online transaction system through the quality payment platform or its authorized or approved member terminal quality payment online transaction system download terminal; the potential member can also obtain the member-side quality payment online transaction system by purchasing an electronic equipment terminal product which is authorized or approved by a quality payment platform or a quality payment platform provider and pre-installed with the member-side quality payment online transaction system.
Step A2: registered members open up quality payment accounts through a member end quality payment online transaction system 3/6 quality payment management module 32/62; the quality payment platform 7 opens a quality payment basic account for the registered member and opens up the authority of the redeemable quality payment member; the registered member is a legal person or an organization of the legal person, the legal representative or the responsible person of the registered member still opens a quality payment account, the basic account of the quality payment person is opened for the legal representative or the responsible person of the registered member, and the redemption quality payment authority is opened.
The quality payment account can be divided into a quality payment individual account and a quality payment unit account according to different main bodies, can be divided into a quality payment gold coin account, a quality payment silver coin account, a quality payment copper coin account, a quality payment iron coin account and a quality payment tin coin account according to different types of quality payment electronic coins, can be divided into a quality payment basic account, a quality payment special account and a quality payment temporary account according to different purposes, can be divided into a quality payment name account and a quality payment anonymous account according to whether the name is recorded or not, can be divided into a quality payment solid coin account and a quality payment credit account according to different money purchasing modes, can be divided into a legal quality payment main account and a quality payment foreign coin account according to different currencies as pricing basis.
The member authority includes member authorities of quality payment transaction, quality payment and the like, wherein the member authority of quality payment transaction is not limited to member authorities of redemption quality payment (single-currency quality payment), but also includes member authorities of anonymous quality payment (light-currency quality payment), quick quality payment (ticket-currency quality payment), credit quality payment (credit-currency quality payment), partial quality payment, quality change payment, partial quality change payment, self-redemption quality payment, bargained quality payment, electronic cash payment, third-party payment and the like.
After the registered member opens the quality payment account, paying the payment to the provider of the quality payment platform in an online or offline mode such as cash, bank transfer or third-party payment, purchasing the quality payment electronic money and recharging the quality payment account; the quality payment platform provider deducts the balance of the actual payment fee, namely the payment fee of the money purchasing member after deducting the fees of handling fee, service fee and the like, namely the actual collection fee is exchanged into the quality payment electronic coin with determined type and amount according to a certain ratio of legal currency to the quality payment electronic coin, for example, according to the Renminbi and the Baiwantong BaoyingYin coin 1: 1, 1 Yuanren folk coin is exchanged into 1 Bai Taotong Bao Yinjin at the rate of 1, and the quality payment management module 82 of the quality payment online transaction system 8 at the quality payment platform end is stored in the quality payment account of the coin purchasing member, so that the quality payment account is recharged; the quality-payable electronic coins are not limited to the Bai Tao Tong Bao Yinjin, but also include Bai Tao Tong Bao jin coins, Bai Tao Tong Bao Cu coins, Bai Tao Tong Bao Fe coins, Bai Tao Tong Bao Sn coins and other digital products with the quality-escorting payment function.
The registered member can also directly pay the payment fee to the bank collection account designated by the quality payment platform in an online or offline payment mode, buy the quality payment electronic coin, log in the quality payment online transaction system 3/6 quality payment management module 32/62 of the member end, and automatically recharge the quality payment account; the quality payment electronic money can be purchased by means of transacting quality payment membership cards, joint cards, credit cards or purchasing quality payment object cards, rechargeable cards and the like, and the quality payment account can be recharged; not specifically stated, the term "quality payable electronic coin" as used herein refers to a quality payable silver coin, and the term "quality payable electronic coin" as used herein refers to a quality payable platform or a quality payable platform provider.
A registered member who does not sign a quality-payable bidirectional multilateral guarantee agreement purchases quality-payable electronic money for the first time and needs to sign the quality-payable bidirectional multilateral guarantee agreement; and after the quality payment bidirectional multilateral guarantee protocol is signed, the quality payment platform automatically identifies and grants to purchase quality payment electronic coins or carry out quality payment account recharging.
the member who buys the coin can apply for issuing the quality payment right ticket as the right certificate for purchasing the quality payment electronic coin, and the quality payment billing flow record for purchasing the quality payment electronic coin which does not apply for issuing the quality payment right ticket has the same effect with the quality payment right ticket.
step A3: the seller member uses the member terminal electronic equipment 1/4 to log in the member terminal quality-paying online transaction system 3/6, the shop management module 33/the shop management module 63, enters the quality-paying shop, and meters the goods with legal currency so as to price the quality-paying electronic currency; the compulsory sale member needs to complete the recordation of the compulsory sale article before marking the price of the compulsory sale article; the buyer member logs in the quality payment online transaction system 6/3 service management module 63/store management module 33 by using the member terminal electronic device 4/1, enters a quality payment mall or a quality payment store and selects goods; the seller members include seller members selling the item for interest, the buyer members include seller members purchasing goods, the member for interest includes buyer members selling the item for interest and seller members selling the item for interest, the payable shop includes payable store, the goods includes service and the item for interest, and the payment includes service fee and interest price.
In the process of registration authentication of a potential member or in the process of maintaining member information or quality payment information of a registered member, submitted or generated member identity information and electronic signature information, an identity identification password and identity verification information, a quality payment password and quality payment verification information, and acquired information such as a member registration number, a quality payment account number and the like are important member identity identification information and quality payment identification information; the registered member logs on the payable platform or enters the payable account by using the member terminal electronic device 1/4, and needs to input a member registration number or a payable account number according to a login page or window prompt and input member identification information or payable identification information; the quality payment platform 7 identifies and verifies the member identity information or quality payment information manually, automatically or in other modes; the verification is passed, login is granted, and verification success information is sent to the member main communication equipment 21/51/22/52 bound with the member registration number; authentication fails, login is denied, and authentication failure information is issued to the member communication device 21/51/22/52 bound to the member registration number. The registered member finds that other people have not been approved or agreed by himself, and can log in the quality payment platform or enter the quality payment account by using or stealing the member registration number or the quality payment account without authorization, and applies for forced quitting the quality payment platform or the quality payment account through the member standby communication device 22/52.
See figure 3 for a schematic flow diagram of a quality payable online transaction. The method comprises a quality payment online transaction step, and the quality payment online transaction step comprises the following steps:
Step B1: after the buyer member selects the goods, the buyer member logs in the member-side qualified online transaction system 6/3, the shop management module 63 and the shop management module 33 by using the member-side electronic equipment 4/1 to issue a qualified payment order; the prime payable order according to the present invention includes a prime payable obligation sell order, not specifically stated.
After the buyer member issues the qualified payment order, the seller member logs in the member-side qualified payment online transaction system 3/6, the store management module 33/the shop management module 63 through the member-side electronic device 1/4 to accept the qualified payment order; the seller member does not accept or refuse to accept the quality payment order within the specified or appointed period, and the seller member is regarded as having no reason to refuse to accept the quality payment order, namely having no reason to refuse the order; the seller member refuses to accept the qualified payment order and does not consider as the unproblematic order due to the existence of a plurality of times of unproblematic return records or unproblematic order rejection records, the qualified payment infringement default records, the qualified payment poor evaluation records, the unqualified payment fine or the qualified payment effective and sanction obligation records and the like of the buyer member; the quality payment order takes effect when the seller member accepts, and the two parties agree to the quality payment fixed amount and take effect when the buyer member actually delivers the fixed amount; the effective quality payment order has quality payment restraint force for both parties.
Before a buyer member issues a qualified payment order or before a seller member accepts the qualified payment order, the member management module 63/33 of the member-side qualified payment online transaction system 6/3 can inquire the public information of the opposite member in terms of qualified payment authentication, qualified payment capability, qualified payment credit, qualified payment dispute, qualified payment evaluation, qualified payment after-sale service and the like.
When the buyer member issues or the seller member accepts the qualified payment order, the qualified payment platform 7 verifies the qualified payment online transaction authority; if the verification is passed, the order of the quality payment is allowed to be issued or accepted, if the verification is not passed, the order of the quality payment is refused to be issued or accepted; the quality payable online transaction authority audit comprises registration authentication information audit and quality payable capacity audit; the registration authentication information auditing is to carry out consistency auditing on member identity identification information or quality payment identification information bound with a member registration number or quality payment number used by member login information and the member login; the quality payment capability examination is to examine whether the quality payment electronic money and the quality payment credit line held by the member are sufficient and whether the member has corresponding member authority; the member is not exempted from liability due to the qualification payable online transaction audit, and the qualification payable platform is not liable to liability due to the qualification payable online transaction audit.
step B2: after the seller member accepts the payable order, the buyer member enters the member-side payable online transaction system 6/3 payable management module 62/32 by using the member-side electronic device 4/1, logs in the payable account, and instructs the payable platform 7 to pay payable electronic coins of a certain type and amount from the payable account to the seller member payable account according to a certain proportion of the agreed goods fee, so as to pay the deposit in a payable manner.
selecting buyer members of the quality payable of the ticket money, and issuing and delivering a quality payable ticket recording the quality payable electronic money to seller members through a quality payable management module 62/32 of a member end quality payable online transaction system 6/3; selecting a buyer member with single currency capable of paying, submitting the issued quality paying ticket to a quality paying platform to prompt redemption before paying the quality paying ticket to a seller member, and acquiring redemption; if the buyer member selects partial quality payment, before issuing the quality payment right certificate, applying to issue a quality payment partial right ticket taking the buyer member as a quality payment right person to the quality payment platform based on the quality payment right ticket recording the purchased quality payment electronic money; if partial quality transfer payment is carried out by the buyer member, before the quality payment ticket is issued, the quality payment ticket of the collected quality payment electronic money is applied to the quality payment platform to issue the quality payment sub-ticket taking the buyer member as the quality payment authority; if the buyer member opens the authority of paying the qualified payment member, the payment of the collected qualified payment electronic money can be advanced or delayed by shortening or delaying the periodical redemption of the payment countdown ending time; the buyer member who selects self-redeemable quality payment can directly sign a quality payment right certificate to the seller member and automatically commit to conditional redemption payment due.
After the quality payment subscription is paid, the seller member enters the quality payment online transaction system 3/6 quality payment management module 32/62 by using the member end electronic device 1/4, logs in a quality payment account, and collects the quality payment subscription.
The seller member receiving the quality payment of the ticket verifies the quality payment ticket within the specified or appointed period after receiving the quality payment electronic coin and the quality payment ticket; after the examination and verification, the documents are consistent, and the quality-payable right certificate is signed and received after the examination and verification is passed; the seller member receives the quality payment electronic coin or signs the quality payment right certificate, triggers the periodic redeeming payment countdown of the quality payment, and cannot prompt the redeeming payment or the quality change payment before the periodic redeeming payment countdown of the quality payment is finished; registered members who do not sign a quality-paying bidirectional multilateral guarantee agreement receive quality-paying electronic coins for the first time and need to sign the quality-paying bidirectional multilateral guarantee agreement; and after the quality payment bidirectional multilateral guarantee protocol is signed, the quality payment platform automatically identifies and grants to collect the quality payment electronic money.
step B3: after receiving the order, the seller member transmits the goods according to the receiving address marked by the order or according to the instruction of the buyer member, and confirms the transmitted goods through the member-side quality payment online transaction system 3/6, the store management module 33/the shop management module 63.
After the goods are delivered, the buyer member receives the goods to the appointed receiving place or according to the appointed receiving mode, and confirms the goods received through the membership end quality payment online transaction system 6/3 shop management module 63/shop management module 33; after on-site acceptance, the goods are rejected after the proof is kept, and the rejection of the goods is confirmed through the membership-based quality-paying online transaction system 6/3 shop management module 63/shop management module 33.
Step B4: after receiving the goods, the buyer member pays a quality payment tail to the seller member through the member quality payment online transaction system 6/3 quality payment management module 62/32; the two parties agree that the prime payment fixed money does not cover the goods payment, the prime payment tail money is the prime payment full money, the prime payment fixed money covers the goods payment, and the prime payment tail money is the residual money after the prime payment fixed money is deducted.
after the qualified payment is paid, the seller member collects the qualified payment tail through the qualified payment online transaction system 3/6 management module 32/62 within the specified or appointed period; the two parties agree that the quality payment fixed fund can be used for payment, the quality payment fixed fund can be cleared after receiving the quality payment tail fund, the quality payment fixed fund is agreed that the quality payment fixed fund can not be used for payment, and the collected quality payment fixed fund is returned to the buyer member within the stipulated or agreed period after receiving the quality payment tail fund.
Step B5: after the countdown of the regular redeemable payment is finished, the seller member submits the record of the redeemable payment income flow to prompt the redeemable payment to the redeemable payment platform 7 through the member-side redeemable online transaction system 3/6 quality payment management module 32/62; the seller member receiving the quality payment of the ticket prompts the redemption payment, and submits the quality payment ticket and the corresponding bill in the bill delivery period; if the seller member opens the authority of agreeing to redeem the qualified payment member, the regular redemption payment countdown ending time can be shortened or delayed, and the redemption payment is prompted in advance or delayed; the seller member accepting the self-redeemable payment prompts the redemption payment directly to the buyer member.
After receiving the prompt redeem payment, the quality payable platform carries out quality payable redeem payment verification within a specified or agreed term; if the seller member submits the quality-payable ticket and the like to prompt the redemption payment, the quality-payable redemption payment audit also comprises quality-payable ticket audit, and the quality-payable ticket audit result is confirmed and the quality-payable redemption payment audit result is confirmed synchronously; after the approval is passed, deducting the quality-payable electronic coins of determined types and amounts from the quality-payable accounts of the seller members through a quality-payable platform end quality-payable online transaction system 8 by a quality-payable management module 82 on due days, and assigning a bank collection account to the seller members through a bank payment system to pay for price redemption and redeem the quality-payable electronic coins; then, the redeemable payment is confirmed through the quality payment management module 82 of the quality payment platform end quality payment online transaction system 8; if the seller member opens the authority of bargaining and paying for the member, the redemption payment can be advanced or delayed by shortening or delaying the due redemption payment time; if the seller member has a fine obligation of quality payment that is not fulfilled, the seller member is charged directly before the redemption is paid.
the buyer member who selects self-redeemable payment can prompt the redeemable payment to the qualified payment platform according to the contract with the qualified payment platform after redeeming the payment to the seller member according to the certificate qualified payment mode.
step B6: after the redeemable electronic currency is redeemed and returned to account, the seller member confirms that the redeemable money is received through the member end redeemable online transaction system 3/6 and the redeemable online transaction is ended within the specified or appointed period through the quality payment management module 32/62; and after the countdown of the regular redeemable payment of the quality payment is finished, the seller member uses the received quality-payable electronic coin for a new quality-payable transaction, the quality-payable online transaction is finished, and the quality-payable electronic coin is finished when the quality-payable electronic coin is successfully paid under the condition of quality guarantee.
The registered member finds that other people do not pass the self permission or the consent, uses or steals the member registration number or the quality payment number thereof without authorization to log on the quality payment platform or enter a quality payment account, and applies for forcibly stopping the quality payment transaction through the member standby communication device 22/52 when engaging in the quality payment online transaction; the registered member finds that the qualified payment electronic coin is stolen or stolen, and applies for the qualified payment electronic coin to report the loss through a qualified payment reporting and prompting submodule 341/641 of a member end qualified payment online transaction system 3/6 dispute management module 34/64 before the countdown of the regular redeemable payment is ended; the registered member forcibly stops the quality payment transaction due to the error application or reports the loss of the quality payment electronic money due to the error application, and the registered member needs to pay the loss responsibility for the compensation by oneself when causing the loss to other people.
The generalized quality payment online transaction also comprises a quality payment after-sale service step and a quality payment member evaluation step, and the specific steps are as follows:
Step B7: after receiving the goods and during the use of the goods, the buyer member finds that the goods have obvious quality problems, serious defects or faults, and applies for providing after-sales services to the seller member through the member-side quality-paying online transaction system 6/3 after-sales management module 65/35.
the seller member provides return or exchange service and confirms the provision of after-sales service through the member end quality paying online transaction system 3/6 after-sales management module 35/65; if the package return goods-changing time limit is exceeded but the quality guarantee time limit is not exceeded, the goods return or goods-changing service is provided according with the goods return or goods-changing regulation, and the maintenance or other after-sale service is provided according with the goods return or goods-changing regulation; the seller member has the ability to continue providing after-market services beyond the quality assurance period, is serviceable, provides service for repair, is not serviceable but has a salvage value or a salvage obligation, provides a discount salvage, an old exchange for a new or other after-market service.
During the promised period of the unprovoked package return, the buyer member applies for unprovoked return or unprovoked return, and the seller member provides the unprovoked return or unprovoked return service according to the application of the buyer member.
step B8: in the whole quality payment online transaction process including the after-sale service process, the two transaction parties can evaluate the satisfaction degree of the quality payment online transaction of the other transaction parties through the member end quality payment online transaction system 6/3 evaluation management module 66/63.
The quality payable online transaction step is a quality payable fixed-deposit transaction step, and when the quality payable fixed deposit is zero, the quality payable fixed-deposit transaction is converted into a quality payable goods payment transaction; when the quality payment fixed amount is equal to the quality payment full amount, the quality payment fixed amount transaction is converted into a quality payment to delivery transaction; when the cash value of the prime payable subscription fee exceeds the statutory subscription fee maximum limit or falls below the statutory subscription fee minimum limit (if any) or loses prime payable subscription fee property, the prime payable subscription fee transaction is converted into a prime payable pre-payment transaction, a prime payable installment transaction, or the like.
see figure 4 for a schematic flow diagram of a quality payable online transaction dispute resolution. The method can also comprise a quality-payable online transaction dispute resolution step, wherein the quality-payable online transaction dispute resolution step comprises the following steps:
Step C1: the dispute member enters the dispute management module 34/64 of the member-side quality-payable online transaction system 3/6 through the member-side electronic device 1/4, submits a request for dispute resolution of quality-payable online transaction to the quality-payable platform 7, and applies for resolution of the quality-payable online transaction dispute; the losing member submits a quality payment electronic coin loss report application through a quality payment loss urging submodule 341/641 of a quality payment online transaction system 3/6 dispute management module 34/64, and submits a quality payment online transaction dispute resolution application according to the quality payment electronic coin loss report application; the applicant can employ one or more expert consultants from the quality-payable expert consultant repository to provide consultants, agents, etc. and can designate one of the counselors as the present arbitrator through the dispute management module 34/64 of the quality-payable online transaction system 3/6.
Before submitting a qualification online transaction dispute resolution application, a dispute member does not pass through a qualification security and guarantee submodule 342/642 of a dispute management module 34/64 of a member-side qualification online transaction system 3/6, applies to qualification property with a certain value under the name of an applicant for qualification property security and provides price qualification property guarantee, triggers a qualification security and guarantee submodule 342/642/842 to start a qualification property security and guarantee program; after the chargable platform receives the chargable property security application and the price-related chargable property security, the chargable platform receives the chargable property security and security sub-module 842 and the chargable management module 82 of the dispute management module 84 of the chargable platform end chargable online transaction system 8, synchronously takes the chargable property freezing security measures for the chargable property and the security property, and simultaneously accepts the chargable online transaction dispute resolution application through the dispute management module 84, and informs the applicant to submit the answer and debt in a limited period or to prompt the applicant to submit the chargable right; the dispute member applies for the property preservation of the quality payment and provides the property of the quality payment for guarantee before submitting the application of the online transaction dispute resolution, the platform adopts the pre-freezing preservation measure of the property of the quality payment and the property of the guarantee, and converts the pre-freezing of the property of the quality payment into the freezing of the property of the quality payment after accepting the application of the online transaction dispute resolution; the warranty of the present invention includes, but is not limited to, an anti-warranty of the warranty.
in addition to the applicant applying for warranty measures for or providing warranty for a particular payable property, prefreezing or freezing the payable silver coin property in the payable account of the applicant or the guarantor, and performing the prefreezing or freezing of the payable silver coin property in the order of the purchased payable silver coin, the settled payable silver coin and the unsettled payable silver coin; the applicant or the guarantor holds a plurality of payable silver coins and preferentially pre-freezes or freezes the payable silver coin property; the quality-payable silver coins held by the applicant or the guarantor are insufficient in property, and are pre-frozen or frozen in the order of quality-payable tin coins, quality-payable iron coins, quality-payable gold coins, quality-payable copper coins and the like.
Step C2: after the payable platform 7 accepts the application, a lawyer is selected from a payable expert counselor as a head seat referee, and the lawyer and the designated referee of the dispute member form a payable online transaction dispute resolution working group together, the dispute member does not designate the referee, and the balance part is selected and complemented by the applicants according to the applicants recorded in the dispute resolution application on the payable online; the quality-payable online transaction dispute resolution working group resolves the quality-payable online transaction dispute according to the quality-payable rules and issues a quality-payable online transaction dispute resolution book according to the dispute member application material and the answer material (if any).
The quality-payable online transaction dispute resolution work group members have inconsistent opinions, and the final opinion is determined according to the principle that one person takes one bill, a minority obeys majority and the minority is reserved; the member opinions are consistent in positive and negative, and the opinion supported by the head position referee is taken as the final opinion; the majority opinions of the disqualified online transaction dispute resolution working group violate the relevant mandatory legal regulations, the head position resolvent enjoys the undeletable veto power, the majority opinions reformed after the veto by the head position resolvent still violate the relevant mandatory legal regulations, and the relative majority opinions which do not violate the relevant mandatory legal regulations or the support opinions of the head position resolvent are taken as final opinions.
the quality-payable online transaction dispute relates to non-monetary payment obligations, and the non-monetary payment obligations are converted into determined monetary payment obligations according to a generation fulfillment principle; the sequence of fulfilling obligations to pay is determined when the obligations to pay are related to mutual payment; the method relates to the urging of quality payment and the confirmation of the acquisition effectiveness and right attribution of the quality payment electronic money.
Step C3: the dispute member doesn't accept the qualified online transaction dispute resolution, submits the qualified online transaction dispute resolution recheck application through the member end qualified online transaction system 3/6 dispute management module 34/64 within the specified period, and applies for rechecking the qualified online transaction dispute resolution.
After receiving the request for quality payment online transaction dispute resolution rechecking, the quality payment platform 7 chooses three to nine qualified expert consultants as resolvers according to the principle of singular number to form a quality payment online transaction dispute rechecking working group, wherein lawyers are not less than 1/3; the first position adjudicator is generated from a full-time lawyer; the quality-payable online transaction dispute review workgroup reviews the quality-payable online transaction dispute according to the quality-payable online transaction dispute resolution case material, the review application material and the review answer material (if any), and issues a quality-payable online transaction dispute review resolution book; the payable online transaction dispute review workgroup considers that the original resolution opinion has errors and corrects the errors; considering that the original judgment opinions have errors in principle or/and specialty, canceling the original judgment and making a new judgment; the original judgment is considered to be correct and maintained.
The qualification payable online transaction dispute resolution book and the qualification payable online transaction dispute review resolution book are collectively called the qualification payable resolution book, the qualification payable online transaction dispute review resolution book and the qualification payable online transaction dispute resolution book which does not apply for review within a specified period are both effective qualification payable resolution book or qualification payable validation resolution book, and once the qualification payable resolution book becomes effective, the qualification payable validation tracking submodule 343/643/843 is triggered to start the qualification payable validation tracking program.
Step C4: the dispute member does not obey the quality-payable online transaction dispute reexamination and resolution opinions, and applies for a quality-payable online transaction dispute resolution public affair to the quality-payable platform 7 through a dispute management module 34/64 of a member end quality-payable online transaction system 3/6; the dispute member can apply to dispute the quality payable online transaction together with the public without obeying the quality payable online transaction dispute resolution opinion, but can not apply to dispute the quality payable online transaction with the public alone.
After the quality payment platform 7 receives the application of the quality payment online transaction dispute resolution, a public affair member representative with a certain nominal value is collected from the hot members through a dispute management module 84 of the quality payment platform end quality payment online transaction system 8, and a quality payment online transaction dispute public affair supervision work group is formed according to the principle that the public affair member representative, the dispute member representative and the resolution member representative occupy a certain proportion, wherein a head supervisor generates from the public affair member representative.
After the quality payment online transaction dispute official supervision work group is formed, a quality payment online transaction dispute review resolution book is issued in a designated area of a quality payment platform or a set official column, a public affair is organized, and a dispute member applies for dispute resolution and official settlement of quality payment online transaction, and then issues the dispute resolution book together with the quality payment online transaction dispute resolution book; after the official business expires, the official business result is issued on the quality payable platform after being confirmed by a quality payable online transaction dispute official supervision working group; the group members of the monitoring work group of the online transaction dispute and the public affairs can be qualified to determine that the opinions of the group members are inconsistent with the opinion of the public affairs result according to the principle that one person can obey one vote, a minority obeys the majority and the minority is reserved, the opinions of the group members are positive and negative, and the opinion supported by the head supervisor is taken as the final opinion.
The quality payment official does not stop the execution of the quality payment validation decision, and does not change the result of the quality payment validation decision.
selecting registered members for non-payable type online transaction such as electronic cash payment, and applying for resolution of non-payable type online transaction dispute when online transaction dispute occurs; accordingly, sanctions made in respect of non-payable mode online transaction disputes are collectively referred to as non-payable sanctions.
See FIG. 5 for a schematic flow chart of the execution of the eligibility decision and the first compensation. The method for quality-payable online transaction may further include a quality-payable validation decision execution and first-compensation step, wherein the quality-payable validation decision execution and first-compensation step includes:
Step D1: after the qualified payment sanction book becomes effective, registered members who undertake qualified payment sanction and determined obligations are charged, the qualified payment sanction tracking submodule 343/643 of the dispute management module 34/64 of the member-side qualified payment online transaction system 3/6 does not pass through within a specified period, the registered members who enjoy qualified payment sanction and determined rights are charged, and the qualified payment sanction tracking submodule 643/343 of the dispute management module 64/34 of the member-side qualified payment online transaction system 6/3 applies for qualified payment sanction execution and first compensation to the qualified payment platform 7.
The payable platform 7 accepts the application within a specified period through the payable-platform-end payable online transaction system 8 dispute management module 84 quality-payment validation tracking sub-module 843.
Step D2: after the quality payment platform 7 accepts the application, according to the principle of low or high, the sum of the execution money of the quality payment is determined according to the sum of the money payment determined or reduced by the effective resolution of the quality payment, the sum of the unfulfilled money payment and the sum of the execution money applied by the applicant, and the sum of the first dividend of the quality payment is determined according to the sum of the dispute order of the quality payment, the sum of the property of the quality payment which is guaranteed or obtained by the applicant and the sum of the execution money of the determined quality payment; the total amount of the execution money capable of being paid qualitatively and the total amount of the first-degree dividend capable of being paid qualitatively are determined after the confirmation of the applicant.
step D3: after the total amount of the first dividend of the qualified payment is determined, the qualified payment platform 7 pays the first dividend of the qualified payment to the applicant through the qualified payment online transaction system 8 quality payment management module 82 at the qualified payment platform end, fulfills the obligation of the two-way multilateral guarantee agreement of the qualified payment and completes the first dividend of the qualified payment; then, a qualified and payable bidirectional multilateral security agreement right is exercised, the qualified and payable property is directly deducted from the qualified and payable property which is guaranteed or provided with guarantee by the applicant, and the loss of the qualified and payable first-degree is recovered to the applicant; the shortage of the chargeable property secured or secured by the applicant is directly deducted from the chargeable account items of the applicant and the guarantor in the order of the applicant and the guarantor.
If the identified premium payable antecedent is less than the identified premium payable execution amount, the balance portion is directly debited from the premium payable property that is secured or vouched by the applicant; the insufficient portion of the quality-payable property secured or secured by the applicant is insufficient for the execution of the payment of the quality-payable difference, and after the applicant adds or applies for the security of the quality-payable property, the additional or applied quality-payable property is deducted; the premium payable property secured or vouched for by the applicant is insufficient to pay for the performance of the premium payable loss and the premium payable deficit, on a principle that the premium payable loss is executed in preference to the premium payable deficit; the first loss of the quality payment is fully recovered and the execution of the quality payment is fully completed, the quality payment is effective and the execution is determined and the first compensation is finished.
After the non-qualified payment sanction book is validated, the registered member bearing the determined obligation of the non-qualified payment sanction is charged, and the registered member enjoying the determined right of the non-qualified payment sanction does not fulfill the determined obligation of the non-qualified payment sanction within the specified period, can refer to the steps above to apply the execution of the non-qualified payment sanction to the qualified payment platform.
The foregoing is only an embodiment of the present invention intended to assist understanding of the essential spirit, basic principle and core idea of the invention, and should not be construed as limiting the invention; moreover, it will be apparent to those skilled in the art that modifications, substitutions, improvements, combinations, simplifications and refinements exist in the specific embodiments and applications without departing from the spirit, principle and concept of the invention, and all such modifications, substitutions, improvements, combinations, simplifications and refinements are to be regarded as equivalent substitutions and are to be included within the scope of the invention.

Claims (33)

1. A quality-payable online transaction system, characterized by: the system comprises: the system is a generalized quality-payable online transaction system.
2. A quality payable online transaction system according to claim 1, characterized in that: the member end comprises member end electronic equipment, and the member end electronic equipment is provided with a member end quality payment online transaction system and is used for logging in a quality payment platform, purchasing quality payment electronic coins, performing quality payment online transaction and the like; the member end electronic equipment comprises seller member end electronic equipment and buyer member end electronic equipment, and the member end qualified online transaction system comprises a seller member end qualified online transaction system and a buyer member end qualified online transaction system.
3. a quality payable online transaction system according to claim 1, characterized in that: the member terminal further includes a member communication device, the member communication device includes a seller member communication device and a buyer member communication device, and includes: the main communication equipment and the standby communication equipment are used for carrying out member identification information and quality payment identification information verification communication and quality payment transaction information communication with the quality payment platform; the standby communication equipment is also used for receiving information change or abnormal transaction reminding when the member registration authentication information or/and the qualified account binding information change or abnormal transaction occurs, and processing the change information or the abnormal transaction.
4. The chargable internet transaction system of claim 1, wherein: the member terminal includes: and the seller member end comprises a seller member end electronic device, a seller member communication device and a seller member end quality-paying online transaction system, and is used for the seller member to perform seller member registration authentication, shop authentication, goods quality authentication, purchase quality-paying electronic coins, log in a quality-paying platform, perform quality-paying online transaction and the like.
5. The chargable internet transaction system of claim 1, wherein: the member end comprises a buyer member end, wherein the buyer member end comprises a buyer member end electronic device, a buyer member communication device and a buyer member end quality payment online transaction system, and the buyer member end is used for carrying out buyer member qualification registration authentication, item filing for obligatory sale, purchasing quality payment electronic money, logging in a quality payment platform, carrying out quality payment online transaction and the like.
6. The chargable internet transaction system of claim 1, wherein: the member end comprises a member end qualified online payment transaction system, the member end qualified online payment transaction system comprises a seller member end qualified online payment transaction system and a buyer member end qualified online payment transaction system, is used for being connected with a qualified online payment transaction system of a qualified payment platform end, and is used for sending, receiving, storing and processing qualified online payment transaction data telegraph text, purchasing qualified payment electronic coins, logging in a qualified payment platform, performing qualified online payment transaction and the like.
7. The chargable internet transaction system of claim 1, wherein: the member terminal includes:
The member management module is used for member registration authentication, member authority opening, member information storage, member authentication and maintenance, member identity identification information inquiry, registered member public information and the like; the quality payment management module is used for the member to open a quality payment account, purchase, store, receive and pay and settle quality payment electronic coins, sign or sign quality payment tickets, transact quality payment redemption, redeem payment or quality transfer payment, store, verify and maintain quality payment electronic coin information, member quality payment information and member quality payment identification information, and cut off the path of stealing electronic cash and the like; the store management module/the false shop management module is used for transacting store authentication, goods quality authentication, item inventory, accepting or issuing a quality payable order or a quality payable item order, storing and maintaining store and goods information by a seller member, or is used for transacting item inventory, issuing a quality payable order, accepting or issuing a quality payable item order, storing and maintaining the information of the item inventory and the goods, transacting a false shop and upgrading the store and the like by a buyer member; the dispute management module is used for applying for qualification online transaction dispute resolution by members, processing qualification online transaction disputes, selecting expert consultants and appointed local resolvers, executing qualification payment effective resolution or applying for qualification payment effective resolution execution and first compensation and the like; the after-sale management module is used for providing or receiving the quality payment online transaction after-sale service by the member; and the evaluation management module is used for evaluating the quality payable online transaction by the member.
8. the chargable web transaction system of claim 1, wherein: the quality payment platform, namely a quality payment online transaction platform, is a general name of quality payment platform end electronic equipment and communication equipment, and is provided with a quality payment platform end quality payment online transaction system which is used for receiving, storing, processing and sending quality payment online transaction data telegraph text and communication information and providing services such as purchase and sale, storage, receipt and payment, redemption payment and settlement of quality payment electronic coins; the method comprises the following steps:
the member management module is used for providing auditing, supervision and service for member registration authentication, member permission opening, registered member public information inquiry and the like, and storing, verifying and maintaining member information and member identity identification information; the quality payment management module is used for issuing a quality payment account for the member, purchasing, storing, receiving, paying and settling quality payment electronic coins, issuing or signing a quality payment ticket, transacting quality payment acceptance, redemption payment or quality transfer payment and the like, providing auditing, monitoring and service, storing, verifying and maintaining quality payment electronic coin information, member quality payment information and member quality payment identification information, synchronously taking quality payment prefreezing, freezing or releasing quality payment prefreezing, freezing measures and the like for quality payment security or guarantee measures, and cutting off a path for stealing electronic cash; the system comprises a shop management module (shop management module) and a system management module, wherein the shop management module (shop management module) is used for providing auditing, supervision and service for members to transact shop authentication or shop upgrading, goods quality authentication or item planning, issue or receive quality payable orders or quality payable item orders and the like, and storing and maintaining information of shops/shops and goods/items; the dispute management module is used for providing auditing, monitoring and service for member applying for qualification payment online transaction dispute resolution, processing qualification payment online transaction dispute, selecting expert consultants, appointing own resolvers, executing qualification payment effective resolution or applying for qualification payment effective resolution execution and first compensation and the like, and is also used for assisting in executing legal documents which are in effect and have mandatory execution capacity content in related judicial departments and administrative departments; the after-sale management module is used for providing auditing, monitoring and service for members or receiving quality payment online transaction after-sale service and the like; and the evaluation management module is used for providing auditing, supervision and service for member quality payable online transaction evaluation and the like.
9. the chargable web transaction system of claim 1, wherein: the quality-payable online transaction system comprises a member end quality-payable online transaction system and a quality-payable platform end quality-payable online transaction system, the system is a narrow quality-payable online transaction system, is connected with a member end and a quality-payable platform and is used for purchasing quality-payable electronic coins by members, logging in the quality-payable platform, carrying out quality-payable online transaction and the like, and providing auditing, supervision and service, and comprises the following steps:
the member management module is used for member registration authentication, member authority opening, member information and member identity identification information storage, verification and maintenance, registered member public information inquiry and the like, provides auditing, supervision and service for member registration authentication, member authority opening, registered member public information inquiry and the like, and is used for storing, verifying and maintaining the member information and the member identity identification information; quality payment management module for member issuing quality payment account, purchasing, storing, receiving and settling quality payment electronic coin, issuing or signing quality payment ticket, transacting quality payment acceptance, redeeming payment or quality transfer payment, storing, verifying and maintaining quality payment electronic coin information, member quality payment information and member quality payment identification information, cutting off the path of theft electronic cash, etc., issuing quality payment account for member, purchasing, storing, receiving and settling quality payment electronic coin, issuing or signing quality payment ticket, transacting quality payment acceptance, redeeming payment or quality transfer payment, etc., providing auditing, monitoring and service, storing, verifying and maintaining quality payment electronic coin information, member quality payment information and member quality payment identification information, and synchronously taking quality payment for quality payment account, property quality payment and/or quality guarantee, Freezing or releasing quality payment pre-freezing and freezing measures and the like, and also used for cutting off a path for stealing electronic cash; the store management module or/and the pseudo-shop management module is used for a seller member to transact store authentication, goods quality authentication, item inventory, accept or issue a quality payable order or a quality payable order, store and maintain store and goods information, or a buyer member to perform item inventory, issue a quality payable order, accept or issue a quality payable order, store and maintain pseudo-shop and item information, transact a pseudo-shop upgrading store and the like, and provide auditing, supervision and service for the member to transact store authentication or the pseudo-shop upgrading store, goods quality authentication or the item inventory, issue or receive the quality payable order or the quality payable order and the like, and store and maintain the store/pseudo-shop and goods/pseudo-goods information and the like; the dispute management module is used for applying for qualification payment online transaction dispute resolution by the member, processing qualification payment online transaction dispute, selecting expert consultants and appointing the referees of the own party, executing qualification payment effective resolution or applying for qualification payment effective resolution execution and first compensation and the like, providing auditing, supervision and service for applying for qualification payment online transaction dispute resolution by the member, processing qualification payment online transaction dispute, selecting expert consultants and appointing the referees of the own party, executing qualification payment effective resolution or applying for qualification payment effective resolution execution and first compensation and the like, and assisting in executing effective legal documents and the like with mandatory execution capacity contents of related judicial departments and administrative departments; the after-sale management module is used for providing or receiving the quality payment online transaction after-sale service for the member, providing auditing, monitoring and service for the member or receiving the quality payment online transaction after-sale service and the like; and the evaluation management module is used for evaluating the qualified online transaction of the member, and providing auditing, supervision and service for evaluating the qualified online transaction of the member and the like.
10. a quality payable online transaction system according to claim 7, claim 8 and claim 9, characterized in that: the dispute management module also comprises a qualified payment and loss reporting urging submodule which is used for applying the qualified payment electronic coin for loss reporting and recovering the stolen or lost qualified payment electronic coin by the member, and providing auditing, supervision and service for applying the qualified payment electronic coin for loss reporting and recovering the stolen or lost qualified payment electronic coin by the member and the like; the quality payment and loss reporting prompting submodule comprises a member quality payment and loss reporting prompting submodule and a quality payment platform end quality payment and loss reporting prompting submodule, and the member quality payment and loss reporting prompting submodule comprises a seller member quality payment and loss reporting prompting submodule and a buyer member quality payment and loss reporting prompting submodule.
11. a quality payable online transaction system according to claim 7, claim 8 and claim 9, characterized in that: the dispute management module also comprises a quality-payable security and guarantee sub-module which is used for applying for quality-payable property security and/or providing quality-payable property guarantee and the like by the members, providing auditing, supervision and service for applying for quality-payable property security and/or providing quality-payable property guarantee and the like by the members, and also used for taking quality-payable security and/or quality-payable guarantee measures and the like for quality-payable lost property, quality-payable security property and/or quality-payable guarantee property; the quality-payable security and guarantee sub-module comprises a member-end quality-payable security and guarantee sub-module and a quality-payable platform-end quality-payable security and guarantee sub-module, and the member-end quality-payable security and guarantee sub-module comprises a seller member-end quality-payable security and guarantee sub-module and a buyer member-end quality-payable security and guarantee sub-module.
12. A quality payable online transaction system according to claim 7, claim 8 and claim 9, characterized in that: the dispute management module also comprises a qualification-paying-effective-decision tracking sub-module which is used for executing qualification-paying-effective decision or applying qualification-paying-effective decision execution and first compensation and the like by the member, providing auditing, supervision and service for executing qualification-paying-effective decision or applying qualification-paying-effective decision execution and first compensation and the like by the member, and assisting related judicial departments or administrative departments in executing effective legal documents with mandatory execution capacity; the quality payment and validation tracking sub-module comprises a membership terminal quality payment and validation tracking sub-module and a quality payment and validation tracking sub-module of a quality payment platform terminal, and the membership terminal quality payment and validation tracking sub-module comprises a seller membership terminal quality payment and validation tracking sub-module and a buyer membership terminal quality payment and validation tracking sub-module.
13. A quality-payable online transaction method is characterized in that: the method is a novel online transaction method for escorting payment of goods money by taking quality-payable electronic money with a quality-escorting payment function and a bidirectional multilateral guarantee function as quality-payable substances, and is called quality-payable transaction or quality payment for short, and comprises the following steps:
step A: preparing a quality payable online transaction;
And B: and (4) quality paying online transaction steps.
14. the method of claim 13, wherein the method comprises: the quality payable online transaction preparation step comprises:
step A1: logging in a qualified online transaction system of a member end, completing registration authentication and acquiring registration membership;
Step A2: opening a quality payment account, purchasing the quality payment electronic money, and recharging the quality payment account; a registered member who does not sign a quality-payable bidirectional multilateral guarantee agreement purchases quality-payable electronic money for the first time and needs to sign the quality-payable bidirectional multilateral guarantee agreement;
step A3: the seller member rates the goods in legal currency to pay the price of the electronic currency; the buyer member selects the good.
15. The method of claim 13, wherein the method comprises: the quality payable online transaction step comprises the following steps:
Step B1: the buyer member issues a qualified payment order; the seller member accepts the qualified payment order;
Step B2: after the seller member accepts the quality payment order, the buyer member pays the quality payment electronic money to the seller member according to a certain proportion of the payment by agreement, and pays the deposit in a quality payment mode;
The seller member receives the quality payment fixed fee; registered members who do not sign a quality-paying bidirectional multilateral guarantee agreement receive quality-paying electronic coins for the first time and need to sign the quality-paying bidirectional multilateral guarantee agreement;
Step B3: after receiving the subscription, the seller member sends the goods; after the goods are delivered, the buyer member receives the goods;
Step B4: after receiving the goods, the buyer member pays a qualified payment tail to the seller member; seller members receive qualified payment tail;
Step B5: the seller member submits the quality payment purchase flow record and other prompt redemption payment to the quality payment platform;
after receiving the prompt redemption payment, the quality payment platform carries out quality payment redemption payment audit; after the audit is passed, paying the price-checking redemption money to the seller member on the due date, and redeeming the quality-paying electronic money;
Step B6: the seller member confirms that the price is received and the money is redeemed, and the quality-payable online transaction is finished; the seller member uses the collected quality payment electronic coin for new quality payment transaction, and the quality payment online transaction is finished when the quality payment electronic coin is successfully placed in a pledge;
The quality payable online transaction step is a quality payable fixed-deposit transaction step, and when the quality payable fixed deposit is zero, the quality payable fixed-deposit transaction is converted into a quality payable goods payment transaction; when the quality payment fixed amount is equal to the quality payment full amount, the quality payment fixed amount transaction is converted into a quality payment to delivery transaction; when the cash value of the prime payable subscription fee exceeds the statutory subscription fee maximum limit or falls below the statutory subscription fee minimum limit (if any) or loses prime payable subscription fee property, the prime payable subscription fee transaction is converted into a prime payable pre-payment transaction, a prime payable installment transaction, or the like.
16. the method of claim 13, wherein the method comprises: the method can also comprise a quality-payable online transaction dispute resolution step, wherein the quality-payable online transaction dispute resolution step comprises the following steps:
Step C1: the quality payment can be carried out on the network for dispute and sanction application and acceptance; the dispute member does not apply for the quality-payable property security and provides the price-payable property security, the proposed quality-payable online transaction dispute resolution application triggers the quality-payable security and security sub-module, and starts the quality-payable property security and security procedure; the chargable platform accepts the application of the chargable online trade dispute resolution after taking the chargable property security measures for the chargable security and the guaranteed property;
Step C2: quality-payable online transaction dispute resolution;
step C3: quality-payable online transaction dispute resolution review; the quality-payable online transaction dispute resolution book and the quality-payable online transaction dispute resolution book which is not applied for review within a specified period are effective quality-payable resolution books or quality-payable resolution books, and once the quality-payable resolution book becomes effective, the quality-payable resolution book effectiveness judgment tracking submodule is triggered and the quality-payable resolution tracking program is started;
step C4: the quality-payable online transaction dispute resolution public affairs; the quality-payable counseling does not stop execution of the quality-payable validation and does not change the result of the quality-payable validation.
17. The method of claim 13, wherein the method comprises: the method may further comprise a step of determining execution and first compensation for eligibility, wherein the step of determining execution and first compensation for eligibility comprises:
step D1: the effective decision execution of the quality payment and the first application and acceptance of the compensation can be carried out;
Step D2: determining the total amount of the execution money capable of being paid qualitatively and the total amount of the first-degree-of-loss money capable of being paid qualitatively;
Step D3: paying the applicant with the quality payable first-claim money, recovering the quality payable first-claim loss from the applicant, and executing the quality payable difference execution money (if any); the first loss of the quality payment is fully recovered and the execution of the quality payment is fully completed, the quality payment is effective and the execution is determined and the first compensation is finished.
18. A quality-payable online transaction method is characterized in that: the quality-payable online transaction comprises a light-currency quality-payable transaction, wherein the light-currency quality-payable transaction refers to a quality-payable transaction for depositing and paying the money only by taking a quality-payable electronic currency as a quality-payable substance, the light-currency quality-payable transaction is a quality-payable transaction, and the quality-payable electronic currency can be used independently without being used together with a quality-payable right certificate and is also called an anonymous quality-payable transaction without being remembered.
19. A quality-payable online transaction method is characterized in that: the quality-payable online transaction comprises a ticket quality-payable transaction, a bureau
The said right quality payment transaction refers to quality payment transaction that the quality payment electronic coin must be used together with the quality payment right recording the said quality payment electronic coin, the right quality payment transaction, the quality payment right recording the information of the quality payment right person, also known as the name quality payment transaction.
20. The method of claim 19, wherein the method further comprises: the ticket payable transaction comprises a documentary payable transaction; the bill-to-bill quality-payable transaction is also called as a bill-to-bill quality-payable transaction, which refers to a quality-payable electronic coin which must be used together with a quality-payable ticket describing the quality-payable electronic coin, and the quality-payable documents attached to the quality-payable ticket are not limited to the quality-payable transaction of the quality-payable ticket, and the bill-to-bill quality-payable transaction, which is required to be submitted to redemption by prompting and to be used by a redemption-payable platform, is also called as a redemption-acceptance quality-payable transaction.
21. The method of claim 19, wherein the method further comprises: the ticket quality payment transaction also comprises a ticket quality payment transaction, the ticket quality payment transaction also refers to the ticket quality payment transaction, namely the ticket quality payment transaction refers to the quality payment electronic coin which must be used together with the quality payment ticket recording the quality payment electronic coin, the quality payment documents attached to the quality payment ticket are only limited to the quality payment transaction of the quality payment ticket, and the ticket quality payment transaction is a special ticket quality payment transaction; the transaction can be paid with the ticket, and the ticket can be paid with the quality can obtain the platform for the redemption without prompting the redemption, which is also called as a rapid transaction.
22. The method of claim 21, wherein the method further comprises: the ticket and coin quality payment transaction comprises a real ticket quality payment transaction, wherein the real ticket quality payment transaction is also called a real coin quality payment transaction, namely the ticket and coin quality payment transaction for paying the goods money by taking quality payment electronic coins purchased in a pre-payment mode as quality payment substances; the genuine money quality payment transaction is not limited to the genuine money quality payment transaction, and includes a plain money quality payment transaction and the like.
23. The method of claim 21, wherein the method further comprises: the money quality payment transaction also comprises credit ticket quality payment transaction, and the credit ticket quality payment transaction is also called credit quality payment transaction or credit money quality payment transaction and refers to the money quality payment transaction of paying the goods money by using quality payment electronic money purchased in a later payment mode as quality payment substances.
24. A quality-payable online transaction method is characterized in that: the quality payment online transaction comprises quality payment transaction, and the quality payment transaction refers to quality payment online transaction for paying the goods by taking the purchased quality payment electronic money as quality payment substances; and the quality payment transaction for paying the goods by taking the collected anonymous quality payment electronic money as the quality payment substance is regarded as the quality payment transaction.
25. The method of claim 24, wherein the method further comprises: the quality payment transaction comprises a partial quality payment transaction, wherein the partial quality payment transaction refers to a quality payment transaction in which a single-time purchased famous and quality-payable electronic coin is divided into a plurality of shares, and one share is used as a quality payment substance to pay the money.
26. A quality-payable online transaction method is characterized in that: the quality payment online transaction comprises a quality payment transaction, and the quality payment transaction refers to a quality payment transaction for paying the goods by taking the collected registered quality payment electronic money as a quality payment substance.
27. the method of claim 26, wherein the method further comprises: the quality-transfer payment transaction comprises partial quality-transfer payment, wherein the partial quality-transfer payment refers to a quality-transfer payment transaction which is a transaction name partial quality-transfer payment transaction that a single-time collected quality-chargeable electronic coin is divided into a plurality of shares, and one of the shares is used as a quality-transfer substance to deposit and pay the money.
28. A quality-payable online transaction method is characterized in that: the quality-payable online transaction includes a mixed quality-payable transaction, which refers to a quality-payable transaction in which a good is paid by using purchased and collected quality-payable electronic money as a quality-payable substance, and further includes, but is not limited to, a quality-payable transaction in which a good is paid by using different kinds of quality-payable electronic money as a quality-payable substance.
29. A quality-payable online transaction method is characterized in that: the quality-payable online transaction comprises a self-redeemable quality-payable transaction, wherein the self-redeemable quality-payable transaction buyer member esches payment of goods by taking quality-payable electronic money as quality-payable substances and self-commits the quality-payable transaction with conditional expiration and redemption payment.
30. A quality-payable online transaction method is characterized in that: the quality-payable online transaction comprises a commission redemption quality-payable transaction, wherein the commission redemption quality-payable transaction refers to a quality-payable transaction that a buyer member pays a goods amount by using quality-payable electronic coins as quality-payable substances and commissions a quality-payable platform to perform conditional redemption payment.
31. A quality-payable online transaction method is characterized in that: the qualifying online transaction includes a negotiated qualifying transaction, which refers to a qualifying transaction with fast payment or delayed payment of a collected qualifying electronic money by adjusting (shortening/lengthening) the periodic redemption of the payment countdown ending time.
32. The method of claim 31, wherein the method further comprises: the negotiated payable quality payment transaction includes a bare coin quick payable transaction, which is a quality payable transaction in which a bare coin quick payment is collected by shortening a periodic redemption payment countdown ending time.
33. The method of claim 31, wherein the method further comprises: the negotiated payable quality payment transaction includes a coin quick payable transaction, which is a quality payable transaction in which a quality payable coin is quickly paid by shortening a periodic redemption payment countdown ending time.
CN201910845891.3A 2019-09-09 2019-09-09 Quality-payable online transaction system and method Pending CN110544079A (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CN201910845891.3A CN110544079A (en) 2019-09-09 2019-09-09 Quality-payable online transaction system and method
PCT/CN2020/110225 WO2021047364A1 (en) 2019-09-09 2020-08-20 Pledge-payable online transaction system and method
GB2205210.4A GB2603406A (en) 2019-09-09 2020-08-20 Pledge-payable online transaction system and method
AU2020346190A AU2020346190A1 (en) 2019-09-09 2020-08-20 Pledge-payable online transaction system and method

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