WO2017088152A1

WO2017088152A1 - Intelligent electronic commerce system, and method and device for implementing same

Info

Publication number: WO2017088152A1
Application number: PCT/CN2015/095711
Authority: WO
Inventors: 张毅; 牛锋刚
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-11-26
Filing date: 2015-11-26
Publication date: 2017-06-01
Also published as: CA2997815C; CN109074609A; CA3108374A1; CA3108374C; CA3108389C; CA3108389A1; CA2997815A1

Abstract

Disclosed are an intelligent electronic commerce system, and a method and device for implementing same, relating to the field of Internet technology. The system comprises a manufacturer subsystem, a user subsystem, a bank subsystem, and an information bearer, wherein the information bearer transfers data information to the various subsystems in real time, and the various subsystems process the information according to respective time sequences after receiving the information transferred by the information bearer and append the data to which an instruction has been executed to the information bearer. In the present invention, the interactive dynamic relationship, the treatment, and the state of data in the commodity transaction segment, the payment segment, the logistics segment, the insurance segment, and the monitoring segment in an electronic commerce transaction are automatically handled to reduce manual intervention, thereby implementing automated business processing in business segments such as manufacturers, suppliers, banks, insurance companies, logistics companies, monitoring departments, and consumers, and implementing intelligent business logic, intelligent commodity turnover, intelligent supply chains, intelligent financial payment, and intelligent transaction monitoring.

Description

Description: Inventive name: intelligent electronic commerce system and its implementation method and device

[0001] The present invention relates to the field of Internet technologies, and in particular, to an intelligent electronic commerce system and an implementation method and apparatus thereof.

Background technique

[0002] At present, the development of e-commerce is becoming more and more mature, and it is also integrated into people's daily life. The e-commerce platform has made great contributions to the development of e-commerce. The existing e-commerce platform generally adopts the platform technology architecture, the commodity transaction is completed on the e-commerce platform, and the transaction payment method adopts the third-party payment mode. The logistics distribution is completed by the third-party logistics company online, and the platform itself does not include Logistics services, only for data logging functions. With the development of smart phones, mobile e-commerce (also known as micro-e-commerce) is also in a booming stage. The technical architecture of mobile e-commerce is basically the same as that of e-commerce platforms. The business models mainly include C2C and B2C modes.

[0003] The existing platform e-commerce mainly has the following disadvantages: The platform technology architecture is a relatively closed system, and cannot be traded after leaving the platform; the e-commerce system adopting the platform technology architecture has limitations, the source of goods, the authenticity cannot be tracked, Monitoring and identification, can not be traced; manufacturers can not effectively use the big data of e-commerce platform for production planning; third-party guaranteed payment mode exists to absorb bank funds, there are financial risks, etc.; commodity trading links and payment links in existing platform e-commerce The data of the logistics link, insurance link, and supervision link cannot be shared, cannot be automatically matched, and the intelligence is low. .

technical problem

In view of the above, the technical problem to be solved by the present invention is to provide an intelligent e-commerce system and an implementation method and apparatus thereof, so as to solve the technical problem that the existing e-commerce cannot be separated from the platform and is not intelligent enough.

Problem solution

Technical solution

[0005] The technical solution adopted by the present invention to solve the above technical problems is as follows:

In accordance with one aspect of the present invention, an intelligent electronic commerce system is provided that includes: a vendor subsystem, a user subsystem, a banking subsystem, and an information carrier, wherein: [0007] an information carrier, configured to provide an interaction operation for a user, and execute a corresponding operation instruction; and further configured to transmit data information to the vendor subsystem, the user subsystem, and the banking subsystem;

[0008] The vendor subsystem, the user subsystem, and the banking subsystem are all set to: after receiving the information transmitted by the information carrier, processing the information in the respective order, and executing the instructions of the subsystem by the processing result, the peer will execute The data after the instruction is attached to the information carrier.

[0009] Among them, including commodity electronic voucher, bank credit electronic voucher and/or insurance electronic voucher. Commodity electronic voucher is generated by the vendor subsystem. Commodity electronic voucher includes: product information, payment information, transaction rules, operation instructions, user interaction interface, and dynamic data. The bank credit electronic voucher is generated by the bank subsystem, and the bank credit electronic voucher includes: payer information, payee information, payment amount, payment rules, transaction information, operation instructions, user interaction interface, and dynamic data.

[0010] According to another aspect of the present invention, a method for implementing an intelligent electronic commerce is provided, including:

[0011] The vendor subsystem encapsulates the commodity information, the payment information, the transaction rules, the operation instruction, the user interaction interface to generate the electronic voucher of the commodity, and publishes the electronic voucher of the commodity to the entire domain;

[0012] the user subsystem acquires the commodity electronic voucher, performs a purchase/distribution operation on the merchandise electronic voucher, attaches the purchase/distribution information, and the payment request information to the merchandise electronic voucher; attaches the payment request to the bank credit electronic voucher The payment request information includes order information, payer information, payee information, and payment amount;

[0013] the bank subsystem receives the payment request information transmitted in the bank credit electronic voucher, confirms the payment request information, freezes the payment amount corresponding to the bank credit electronic voucher in the payer account, and appends the prepayment success information to the bank credit electronic voucher Medium

[0014] the vendor subsystem obtains transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attaching transaction confirmation information to the bank credit electronic voucher;

[0015] After receiving the transaction confirmation information transmitted by the bank credit electronic voucher, the bank subsystem, the payee information in the transaction confirmation information and the payee information in the payment request information, the order information of the transaction confirmation information, and the payment request information The order information in the comparison is compared, if the matching is successful, the receipt success information is attached to the bank credit electronic voucher;

[0016] The vendor subsystem delivers the goods according to the information of the commodity electronic voucher and the bank credit electronic voucher, and attaches the shipping information to the electronic voucher of the commodity; [0017] after receiving the goods, the user subsystem appends the receipt success information to the electronic voucher and the bank credit electronic voucher;

[0018] After receiving the receipt success information, the banking subsystem thaws the frozen payment amount in the payer account and transfers it to the payee account, and attaches the payment success information to the bank credit electronic voucher.

[0019] According to still another aspect of the present invention, an implementation method of an intelligent electronic commerce is provided, which is applied to a vendor subsystem, and the method includes:

[0020] The vendor subsystem encapsulates commodity information, payment information, transaction rules, operation instructions, and user interaction interfaces to generate electronic voucher of the commodity, and publishes the electronic voucher of the commodity to the entire domain;

[0021] obtaining transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attaching the transaction confirmation information to the bank credit electronic voucher to transmit the transaction information to the bank subsystem by the bank credit electronic voucher;

[0022] The shipment is performed based on the information of the commodity electronic voucher and the bank credit electronic voucher, and the shipment information is attached to the merchandise electronic voucher.

[0023] According to still another aspect of the present invention, an implementation method of an intelligent electronic commerce is provided, which is applied to a user subsystem, and the method includes:

[0024] the user subsystem acquires the commodity electronic voucher, performs a purchase/distribution operation on the merchandise electronic voucher, attaches the purchase/distribution information, and the payment request information to the merchandise electronic voucher; attaches the payment request to the bank credit electronic voucher The payment request information includes order information, payer information, payee information, and payment amount;

[0025] After receiving the goods, the user subsystem appends the receipt success information to the commodity electronic voucher and the bank credit electronic voucher.

According to still another aspect of the present invention, a method for implementing an intelligent electronic commerce is provided, which is applied to a banking subsystem, and the method includes:

[0027] the bank subsystem receives the payment request information transmitted in the bank credit electronic voucher, confirms the payment request information, and freezes the payment amount corresponding to the bank credit electronic voucher in the payer account, and appends the prepayment success information to the bank credit electronic In the voucher;

[0028] after receiving the transaction confirmation information transmitted by the bank credit electronic voucher, the payee information in the transaction confirmation information and the payee information in the payment request information, the order information of the transaction confirmation information, and the payment request letter. The order information in the interest is compared, and if the matching is successful, the receipt success information is attached to the bank credit electronic voucher;

[0029] after receiving the receipt success information delivered by the bank credit electronic voucher, the frozen payment amount in the payer account is thawed and transferred to the payee account, and the payment success information is attached to the bank credit electronic voucher.

[0030] According to still another aspect of the present invention, an apparatus for implementing an intelligent electronic commerce is provided, which is applied to a vendor subsystem, and the method includes:

[0031] a generating module, configured to encapsulate commodity information, payment information, transaction rules, operation instructions, and user interaction interfaces to generate commodity electronic certificates;

[0032] a publishing module, configured to publish the commodity electronic voucher to the entire domain;

[0033] a transaction confirmation module is configured to obtain transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attach transaction confirmation information to the bank credit electronic voucher to transmit the transaction information to the bank by the bank credit electronic voucher System

[0034] The delivery module is configured to deliver the goods according to the information of the commodity electronic voucher and the bank credit electronic voucher, and attach the delivery information to the electronic voucher of the commodity.

[0035] According to still another aspect of the present invention, an apparatus for implementing an intelligent electronic commerce is provided, which is applied to a user subsystem, and the apparatus includes:

[0036] an operation module, configured to obtain an electronic voucher of goods, and perform a purchase/distribution operation on the electronic voucher of the commodity

[0037] a prepayment module, configured to attach the purchase/distribution information and the payment request information to the commodity electronic voucher; attach the payment request to the bank credit electronic voucher; the payment request information includes the order information, the payer information, and the receipt Party information, payment amount;

[0038] The receiving module is configured to attach the receipt success information to the electronic voucher and the bank credit electronic voucher after the user receives the goods.

[0039] According to still another aspect of the present invention, an apparatus for implementing an intelligent electronic commerce is provided for use in a banking subsystem, the apparatus comprising:

[0040] the certificate module is configured to receive the payment request information transmitted in the bank credit electronic voucher, confirm the payment request information, and freeze the payment amount corresponding to the bank credit electronic voucher in the payer account, and pre-fund The payment success information is attached to the bank credit electronic voucher;

[0041] The receiving module is configured to receive the transaction confirmation information transmitted by the bank credit electronic voucher, and the payment party information in the transaction confirmation information and the payment party information in the payment request information, and the order information of the transaction confirmation information The order information in the payment request information is compared, and if the matching is successful, the receipt success information is attached to the bank credit electronic voucher;

[0042] The payment module is configured to: after receiving the receipt success information delivered by the bank credit electronic voucher, thaw the payment amount frozen in the payer account and transfer the payment amount to the payee account, and attach the payment success information to the bank credit In the electronic voucher.

Advantageous effects of the invention

Beneficial effect

[0043] The intelligent e-commerce system provided by the present invention and the implementation method and device thereof can directly record the commodity activity on the information carrier, do not need to rely on the platform technical architecture, and record the commodity transaction information throughout, and can prevent the pseudo-trace source and ensure the consumer purchases. Authentic, to achieve the platform-based intelligent trading mode of direct supply from the entire network, thus protecting the interests of manufacturers and consumers.

[0044] Secondly, by using the bank credit electronic voucher to perform the payment operation, since the payment/finance funds are frozen in the buyer account, and the funds are redeployed to the seller after the arrival, the funds are only present in the accounts of the buyer and the seller during the whole transaction, instead of In the third-party account, the existing e-commerce platform third-party payment has the drawback of absorbing bank funds and eliminating financial risks.

[0045] In addition, through the integration of commodity trading links, payment links, logistics links, insurance links and regulatory systems, the entire process is automatically completed without manual intervention, thus ensuring various loopholes in the transaction process and achieving full The intelligent e-commerce system that is directly supplied by the domain manufacturers to the platform transaction mode improves the security and transaction efficiency of commodity transactions.

[0046] The invention automatically processes the dynamic relationship, processing and state between the commodity trading link, the payment link, the logistics link, the insurance link, the supervision link and the like in the e-commerce transaction, reduces the manual intervention, and realizes the manufacturer and the supply. Automated business processing in business, banking, insurance, logistics, regulatory, consumer and other business segments has realized intelligent business logic, intelligent product flow, intelligent supply chain, intelligent financial payment, and intelligent transaction regulation.

Brief description of the drawing DRAWINGS

1 is a network topology diagram of an intelligent e-commerce system according to Embodiment 1 of the present invention.

2 is a network topology diagram of an intelligent e-commerce system according to Embodiment 2 of the present invention.

3 is a network topology diagram of an intelligent e-commerce system according to Embodiment 3 of the present invention.

4(a) is a flowchart of a method for implementing smart e-commerce according to Embodiment 4 of the present invention.

4(b) is an information interaction diagram of an implementation method of smart e-commerce according to Embodiment 4 of the present invention.

FIG. 5 is a flowchart of an implementation method of an intelligent e-commerce applied to a vendor subsystem according to Embodiment 5 of the present invention.

6 is a flowchart of an implementation method of an intelligent electronic commerce applied to a vendor subsystem according to Embodiment 6 of the present invention.

7 is a flowchart of an implementation method of an intelligent electronic commerce applied to a user subsystem according to Embodiment 7 of the present invention.

8 is a flowchart of an implementation method of an intelligent electronic commerce applied to a banking subsystem according to Embodiment 8 of the present invention.

9(a) is a flowchart of an implementation method of an intelligent e-commerce system according to Embodiment 9 of the present invention.

9(b) is a schematic diagram of an implementation method of an intelligent e-commerce system according to Embodiment 9 of the present invention.

10 is a block diagram of a module for implementing an intelligent e-commerce device for a vendor subsystem according to Embodiment 10 of the present invention.

11 is a structural diagram of an implementation device module for applying a vendor subsystem intelligent e-commerce according to Embodiment 11 of the present invention.

12 is a structural block diagram of an apparatus for implementing an intelligent electronic commerce applied to a user subsystem according to Embodiment 12 of the present invention.

13 is a block diagram of an apparatus for implementing an intelligent electronic commerce application applied to a banking subsystem according to Embodiment 13 of the present invention.

14 is a schematic diagram of an intelligent electronic commerce system according to Embodiment 14 of the present invention.

Embodiments of the invention

[0063] The description paragraphs of the embodiments of the present invention are entered here. In order to solve the technical problems to be solved by the present invention, The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0064] Embodiment 1

As shown in FIG. 1, an intelligent e-commerce system provided by an embodiment of the present invention includes a vendor subsystem 10, a user subsystem 20, a banking subsystem 30, and an information carrier 40.

[0066] The information carrier 40 is arranged to provide an interactive operation for the user and execute corresponding operation instructions; and is further configured to deliver data information to the vendor subsystem 10, the user subsystem 20 and the banking subsystem 30.

[0067] Specifically, the information carrier 40 is used to record transaction process information in a whole process, and once the information in the information carrier 40 changes, the latest data information can be transmitted to each subsystem. It should be noted that although the information carrier 40 includes all the data information and operation instructions of the transaction process, after the different accounts are logged in, the data information and operations displayed on the information carrier 40 are only the information related to the login account. . The data information transmitted by the information carrier 40 includes static data and dynamic data.

[0068] As a preferred solution, the information carrier 40 may include one or more electronic credentials, such as one or more of a commercial electronic voucher, a bank credit electronic voucher, an insurance electronic voucher, or an insurance electronic voucher. The commodity electronic voucher is generated by the vendor subsystem 10, and the merchandise electronic voucher includes:

, payment information, trading rules, operational instructions, user interaction interfaces, and dynamic data. The bank credit electronic voucher is generated by the bank subsystem 30, and the bank credit electronic voucher includes: payer information, payee information, payment amount, payment rules, transaction information, operation instructions, user interaction interface, and dynamic data. The insurance electronic voucher can be generated by the vendor subsystem or generated by the insurance subsystem, or it can include the insured party, the beneficiary party, the insured amount, the insured method, the claim rule, the operation instruction, the user interaction interface, and the dynamic data. The vendor subsystem 10, the user subsystem 20, and the banking subsystem 30 are all set to: after receiving the information transmitted by the information carrier 40, processing the information in the respective order, and executing the instructions of the subsystem by the processing result, The dynamic data after the execution of the command is attached to the information carrier 40.

[0069] Specifically, the vendor subsystem 10 is deployed in an enterprise or a vendor, and the user subsystem 20 is used by users, such as consumers/distributors, and deployed in a mobile device, a PC, or a smart device. The banking subsystem is deployed on the bank side. The vendor subsystem 10 generates commodity electronic vouchers based on product information, payment information, transaction rules, operational instructions, and user interaction interfaces. User interaction interface refers to human-computer interaction of product electronic voucher display Interface. Vendor subsystem 10 publishes merchandise electronic voucher to the full domain for consumers and distributors to browse and make merchandise purchases. The user subsystem 20 obtains the electronic voucher of the commodity, performs a purchase/distribution operation on the electronic voucher of the commodity, performs prepayment by using the bank credit electronic voucher, generates purchase/distribution information and payment request information, and purchases/distributes information, and payment request information. Attached to the commodity electronic voucher; attach the payment request to the bank credit electronic voucher; wherein the payment request includes order information, payer information, payee information, and payment amount. The banking subsystem receives the payment request information transmitted by the bank credit electronic voucher, confirms the payment request information, and freezes the payment amount corresponding to the bank credit electronic voucher in the payer account, and appends the prepayment success information to the bank credit electronic voucher; After receiving the transaction confirmation information transmitted by the bank credit electronic voucher, comparing the payee information in the transaction confirmation information with the payee information in the payment request information, the order information of the transaction confirmation information, and the order information in the payment request information Yes, if the match is successful, the receipt success information is attached to the bank credit electronic voucher; after receiving the receipt success information, the frozen payment amount in the payer account is thawed and transferred to the payee account, and will be paid Success information is attached to the bank credit electronic voucher. That is, each system can obtain information of the information carrier 40, operate on the information carrier 40, and attach the processed information to the information carrier 40 for delivery to other subsystems.

[0070] In this embodiment, by directly trading and transmitting information on the information carrier, the platform can be circulated in the whole domain without relying on the platform, and the transaction of the commodity is recorded in the whole process, and the source of the anti-counterfeiting can be ensured to ensure that the consumer purchases the genuine product. To protect the interests of manufacturers and consumers. Peer, because the information carrier (such as commodity electronic voucher and credit electronic voucher) encapsulates the transaction information and operation instructions, and provides a user interaction interface, which can exist independently in the PC, mobile device, SMS, email, etc. As long as there is network communication, the transaction can be carried out anytime and anywhere, no longer relying on the e-commerce platform, and the platform-to-platform transaction mode of direct supply by the whole domain is realized. In addition, since the payment/finance funds are frozen in the payer's account and the funds are redeployed to the payee after the arrival, the funds are only present in the accounts of the buyer and the seller during the entire transaction, rather than on the third party account, thus solving the existing The third-party payment of the e-commerce platform has the drawback of absorbing bank funds and eliminating financial risks.

Embodiment 2

As shown in FIG. 2, an intelligent e-commerce system provided by an embodiment of the present invention includes a vendor subsystem 10, a user subsystem 20, a banking subsystem 30, an information carrier 40, and a logistics subsystem 50. Among them, the information contained Body 40 includes a commodity electronic voucher and a bank credit electronic voucher.

[0073] The vendor subsystem 10 is configured to: generate commodity electronic vouchers according to product information, payment information, transaction rules, operation instructions, user interaction interfaces, and publish the electronic vouchers to the entire domain for consumers and distributors to browse and buy. It is further arranged to obtain transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attach transaction confirmation information to the bank credit electronic voucher to transfer the transaction information to the banking subsystem 30 by the bank credit electronic voucher.

[0074] wherein the commodity electronic voucher comprises: commodity information, payment information, transaction rules, operation instructions, user interaction interfaces, and dynamic data.

[0075] The user subsystem 20 is further configured to: obtain a commodity electronic voucher, perform a purchase/distribution operation on the commodity electronic voucher, perform prepayment by using a bank credit electronic voucher, generate purchase/distribution information and payment request information, and purchase the / distribution information, and payment request information are attached to the electronic voucher of the goods; the payment request is attached to the bank credit electronic voucher; wherein the payment request includes order information, payer information, payee information, payment amount; After that, the receipt success information is attached to the commodity electronic voucher and the bank credit electronic voucher.

[0076] The bank subsystem 30 receives the payment request information transmitted by the bank credit electronic voucher, confirms the payment request information, and freezes the payment amount corresponding to the bank credit electronic voucher in the payer account, and appends the prepayment success information to the bank credit. In the electronic voucher; after receiving the transaction confirmation information transmitted by the bank credit electronic voucher, the payee information in the transaction confirmation information and the payee information in the payment request information, the order information of the transaction confirmation information, and the payment request information The order information is compared, if the matching is successful, the receipt success information is attached to the bank credit electronic voucher; after receiving the receipt success information, the frozen payment amount in the payer account is thawed and transferred to the payee The account, and the payment success information is attached to the bank credit electronic voucher.

[0077] wherein, the bank credit electronic voucher comprises: payer information, payee information, payment amount, payment rule 1J, transaction information, operation instruction, user interaction interface, and dynamic data.

[0078] The information carrier 40 is arranged to provide interactive operations for the user and to execute corresponding operational instructions; and is further configured to communicate data information to the vendor subsystem 10, the user subsystem 20 and the banking subsystem 30.

[0079] The logistics subsystem 50 is configured to receive the logistics information and the pick-up code transmitted by the information carrier. It is also arranged to generate a pickup code for receiving the goods after the delivery company picks up the goods by the delivery code, and attach the pick-up code to the information. In body 40. The logistics information includes at least product information, a delivery address, and a consignee and a delivery address.

[0080] Specifically, the vendor subsystem 10 generates logistics information based on the commodity attributes; and attaches the logistics information to the information carrier 40 (eg, commodity electronic voucher). Logistics information includes: product information, pick-up address, and consignee and shipping address. The vendor subsystem generates the carrier's pick-up code after the goods are shipped, and attaches the pick-up code to the merchandise electronic voucher. The logistics subsystem 50 receives the logistics information and the delivery code transmitted by the information carrier delivery 40. After the logistics company picks up the goods by the delivery code, generates a pickup code for the user to receive the goods, and attaches the delivery success information and the pickup code to the information carrier. 40. The user subsystem 20 checks the pickup code input by the user and the pickup code generated by the logistics company stored in the electronic voucher of the product, and after the verification is successful, the receipt success information is attached to the information carrier 40. The logistics company obtains the goods according to the delivery code to the specified address, and the user subsystem 20 receives the goods by picking up the goods, thereby avoiding the occurrence of pretending to be charged and the goods being pretending to be received, and improving the reliability of the logistics distribution.

[0081] In the embodiment, by integrating the logistics link on the basis of the first embodiment, the entire process is automatically completed without manual intervention, thereby ensuring various loopholes in the logistics link and improving the logistics. effectiveness.

Embodiment 3

[0083] As shown in FIG. 3, an intelligent e-commerce system according to an embodiment of the present invention includes a vendor subsystem 10, a user subsystem 20, a banking subsystem 30, an information carrier 40, and a logistics subroutine of the second embodiment. Based on system 50, one or any combination of insurance subsystem 60, supplier subsystem 70, and supervision subsystem 80 is also included.

[0084] The insurance subsystem 60 is arranged to receive the insurance electronic voucher delivered by the information carrier 40.

[0085] wherein, the insurance electronic voucher includes an insured party, a beneficiary party, an insured amount, an insured manner, a claim rule, an operation instruction, a user interaction interface, and dynamic data.

[0086] As a preferred solution, the insurance subsystem 60 is further configured to: after receiving the claim information in the insurance electronic voucher, match the information in the information carrier 40 and calculate the claim, and attach the claim result to the insurance electronic In the voucher; wherein the claim information is attached to the insurance electronic voucher by the user subsystem 20.

[0087] Through the insurance subsystem 60, the user purchases, if the corresponding transaction insurance insurance type is selected, the insurance type is automatically and automatically validated after the manufacturer confirms the transaction, and if the insurance is in the transaction, the buyer's insurance report according to the insurance clause The interest rate will be automatically transferred to the insurance company. The insurance company chooses to handle claims automatically or manually according to the insurance situation, which can realize quick claims and reduce claims and operations.

[0088] Further optionally, the system can also automatically select a transaction insurance insurance type, without requiring the user to further operate the selection insurance.

[0089] The vendor subsystem 10 is further configured to determine whether the inventory is sufficient. If the inventory is insufficient, the raw material procurement information is generated, and the raw material procurement information is attached to the electronic commodity certificate.

[0090] The supplier subsystem 70 is configured to receive raw material procurement information transmitted by the information carrier, attach the raw material supply information to the information carrier 40, and supply the product according to the raw material procurement information.

[0091] Through the supplier subsystem 70, the closed-loop application of the manufacturer's raw material procurement is provided, and the manufacturer subsystem 10 performs the procurement of the raw materials safely and quickly according to the online order situation, that is, the supplementary materials, and avoids the material sluggish due to too much material preparation. Too little preparation may affect the production schedule and increase the rate of return of funds.

[0092] Further optionally, the vendor subsystem 10 is further configured to: after receiving the payment success information delivered by the bank credit electronic voucher, attach the transaction completion information to the commodity electronic voucher, and generate the after-sale electronic voucher according to the commodity electronic voucher; After receiving the after-sales service information delivered by the after-sales electronic voucher, the after-sales service information that needs to be provided is transmitted to the manufacturer;

[0093] The user subsystem 20 is further configured to receive the after-sales service information submitted by the user according to the needs of the user, and attach the after-sales service information to the after-sales electronic voucher.

[0094] The supervision subsystem 80 sets instruction information executed by the receiving vendor subsystem, the user subsystem, the banking subsystem, the logistics subsystem, the insurance subsystem, and/or the supplier subsystem, and is also configured to obtain the commodity electronic certificate, the bank Relevant data information in credit electronic voucher, and/or insurance electronic voucher.

[0095] Specifically, the supervisory subsystem 80 provides a regulatory big data interface for government departments or third party regulatory agencies. The regulated big data system collects data from commodity information, transaction data, payments, reputation, buyer transactions, and behaviors, and provides them to relevant statistical units or regulatory agencies through intelligent analysis and computational authorization. Peer-to-peer, it is also possible to authorize measures such as automatic handling of transactions to protect the interests of consumers and manufacturers, and to achieve the regulatory nature of public authorities in online transactions.

[0096] In the embodiment of the present invention, the automated business processing is realized from the business links of the manufacturer, the bank, the insurance, the logistics, the consumer, the after-sales service, and the regulatory department, thereby realizing the intelligentization of the business logic and the intelligentization of the commodity flow. Automation, supply chain intelligence, financial payment intelligence, and transaction regulation intelligence, thus achieving a full-domain intelligent transaction closer to real business transaction activities.

[0097] Embodiment 4

[0098] As shown in FIG. 4(a) and FIG. 4(b), an implementation method of the smart e-commerce provided by the embodiment of the present invention includes the following steps:

[0099] S402. The vendor subsystem encapsulates commodity information, payment information, transaction rules, operation instructions, and user interaction interfaces to generate commodity electronic vouchers, and publish the commodity electronic vouchers to the entire domain.

[0100] S404. The user subsystem obtains the electronic voucher of the commodity, and performs a purchase/distribution operation on the electronic voucher of the commodity.

, attach purchase/distribution information, and payment request information to the product electronic voucher. A payment request is attached to the bank credit electronic voucher.

[0101] wherein, the payment request information includes order information, payer information, payee information, and payment amount. Specifically, the vendor subsystem requests a blank bank credit electronic voucher from the bank subsystem before generating the commodity electronic voucher, and the bank subsystem sends the blank bank credit electronic voucher to the vendor subsystem, and the vendor subsystem generates the commodity electronic voucher. Generate a bank credit electronic voucher containing the payee information (the payer information on the certificate is blank), and the payment request of the user subsystem includes order information, payer information, payee information, payment amount, then the user subsystem The payment request information is attached to the bank credit electronic voucher (which includes the payer information and the payee information, the payment amount, etc.), and the payment request information is transmitted to the bank subsystem through the bank credit electronic voucher.

[0102] S406. The banking subsystem receives the payment request information transmitted in the bank credit electronic voucher, confirms the payment request information, freezes the payment amount corresponding to the bank credit electronic voucher in the payer account, and appends the prepayment success information to the bank credit. In the electronic voucher.

[0103] wherein, the bank credit electronic voucher includes: payer information, payee information, payment amount, payment rule 1J, transaction information, operation instruction, user interaction interface, and dynamic data. S408. The vendor subsystem obtains the transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attaching the transaction confirmation information to the bank credit electronic voucher.

[0104] S410. After receiving the transaction confirmation information transmitted by the bank credit electronic voucher, the bank subsystem sends the payee information in the transaction confirmation information and the payee information in the payment request information, the order information of the transaction confirmation information, and the payment. The order information in the request information is compared. [0105] S412. Determine whether the matching is successful. If yes, execute step S414, otherwise perform step S422.

[0106] S414. The banking subsystem appends the receipt success information to the bank credit electronic voucher.

[0107] S416. The vendor subsystem delivers the goods according to the information of the commodity electronic voucher and the bank credit electronic voucher, and appends the shipping information to the commodity electronic voucher.

[0108] As a preferred solution, in order to avoid material sluggishness caused by too much material preparation, too little preparation may affect the production schedule, and a closed-loop application of the raw material procurement of the manufacturer may be provided, and the manufacturer subsystem may then proceed according to the online order situation. Safe and fast procurement of raw materials, that is, supplemental materials, can increase the rate of return of funds. This step S416 may also include:

[0109] Step S4151, the vendor subsystem determines whether the inventory is sufficient, and if the inventory is insufficient, the raw material purchase information is generated and attached to the commodity electronic certificate.

[0110] Step S4152: After receiving the raw material procurement information, the supplier subsystem supplies the manufacturer.

[0111] S418. After the user receives the goods, the user subsystem appends the receipt success information to the electronic voucher and the bank credit electronic voucher.

[0112] S420. After receiving the receipt success information, the banking subsystem unfreezes the payment amount frozen in the payer account and transfers the payment amount to the payee account, and attaches the payment success information to the bank credit electronic voucher.

[0113] S422. End the process.

[0114] As another preferred embodiment, in order to avoid the occurrence of premature charging and goods pretending to receive goods, and improving the reliability of logistics distribution, the logistics company may use the delivery code to obtain the goods according to the delivery address, and the user performs the goods according to the pick-up code. Receiving goods. The step S416 further includes the steps of integrating the logistics link, which specifically includes:

[0115] Step S41701: The vendor subsystem generates a delivery code of the carrier, and attaches the delivery code to the electronic voucher of the commodity. Generate logistics information based on product attributes; attach logistics information to product electronic voucher.

[0116] wherein, the logistics information includes at least product information, a delivery address, and a consignee and a delivery address.

[0117] Step S41702: The vendor subsystem transfers the logistics information and the delivery code from the commodity electronic certificate to the logistics subsystem.

[0118] Step S41704: The logistics subsystem receives the logistics information and the delivery code transmitted by the electronic receipt of the commodity, and after the logistics company picks up the goods by the delivery code, generates a pickup code for the user to receive the goods, and sends the delivery success information and the pickup code. Attached to the product electronic voucher.

[0119] Step S41706, the user subsystem will receive the pickup code input by the user and the electronic document stored in the commodity. The pick-up code generated by the logistics subsystem is checked and the receipt is successfully checked.

[0120] In this way, the logistics company obtains the goods according to the delivery code to the designated address, and the user subsystem receives the goods by picking up the goods, thereby avoiding the occurrence of premature charging and goods pretending to receive the goods, and improving the reliability of the logistics distribution.

[0121] As another preferred embodiment, in order to enable quick claims, the claims link and operation are reduced. The method further includes the step S416 further comprising:

[0122] Step S41702', the vendor subsystem generates an insurance electronic voucher according to the commodity electronic voucher.

[0123] wherein, the insurance electronic voucher includes an insured party, a beneficiary party, an insured amount, an insurance method, a claim rule, an operation instruction, a user interaction interface, and dynamic data.

[0124] Step S41704', after receiving the claim request information in the insurance electronic voucher, the insurance subsystem matches the insurance information in the electronic voucher and calculates the claim, and appends the claim result to the insurance electronic voucher.

[0125] wherein the claim request information is attached to the insurance electronic voucher by the user subsystem. In this case, if the purchase is selected, the corresponding transaction insurance insurance type will be automatically activated after the manufacturer confirms the transaction. If the insurance is in the transaction, the information of the buyer's insurance will be automatically transmitted to the insurance company according to the insurance clause. The insurance company is based on the insurance company. Insurance options choose to handle claims automatically or manually, enabling quick claims and reducing claims and operations.

[0126] Further, the user subsystem waits for the claim result after transmitting the claim request information through the insurance electronic voucher. After the insurance subsystem attaches the claim result to the insurance electronic voucher, the user subsystem notifies the user of the claim result through the insurance electronic voucher.

[0127] In other preferred embodiments, in order to improve the efficiency of the after-sales service, in the above method, after step S420, the method further includes:

[0128] Step S421: After receiving the payment success information delivered by the bank credit electronic voucher, the vendor subsystem appends the transaction completion information to the commodity electronic voucher, and generates the after-sale electronic voucher according to the commodity electronic voucher.

[0129] Correspondingly, the foregoing method further includes:

[0130] Step S423: The user subsystem receives the after-sales service request information submitted by the user according to the user's request, and attaches the after-sales service request information to the after-sales electronic voucher.

[0131] Step S424: After receiving the after-sales service request information transmitted by the after-sales electronic voucher, the vendor subsystem provides after-sales service to the user, and attaches the after-sales service information to the after-sales electronic voucher. [0132] In still other preferred embodiments, in order to implement the policing of the public authority in the network transaction, the government department or the third-party regulatory agency may be integrated into the system, and the method may further include the following steps:

[0133] The supervisory subsystem receives instruction information executed by the vendor subsystem, the user subsystem, the banking subsystem, the logistics subsystem, the insurance subsystem, and/or the vendor subsystem, and obtains the commodity electronic certificate, the bank credit electronic certificate, and / or related data information in the insurance electronic voucher.

[0134] The above receiving manner may be dynamic or fixed, so as to provide a supervised big data interface for a government department or a third party regulatory agency. The regulated big data system collects data from commodity information, transaction data, payments, reputation, buyer transactions, and behaviors, and provides them to relevant statistical units or regulatory agencies through intelligent analysis and calculation authorization. Peer-to-peer can also authorize measures such as automatic handling of transactions to protect the interests of consumers and manufacturers, and achieve the regulatory nature of public authorities in online transactions.

[0135] On the basis of the first embodiment, the embodiment of the present invention intelligently realizes the dynamic relationship, data processing, state transition, etc. of the commodity transaction link, the payment link, the logistics link, the insurance link, the after-sales link, and the supervision link. , to achieve a full-domain intelligent transaction closer to the actual business transaction activities.

[0136] It should be noted that the technical features of the systems of the foregoing system embodiments 1 to 3 are also applicable in the embodiment of the method, and are not repeated herein. And all of the above data transmissions are transmitted in an encrypted manner, such as using a digital envelope to securely transmit communication data.

[0137] Embodiment 5

[0138] As shown in FIG. 5, an implementation method of an intelligent e-commerce provided by an embodiment of the present invention is applied to a vendor subsystem, and the method includes the following steps:

[0139] S502. The vendor subsystem encapsulates the commodity information, the payment information, the transaction rule, the operation instruction, the user interaction interface, generates the commodity electronic certificate, and publishes the commodity electronic certificate to the entire domain.

[0140] Specifically, the commodity electronic voucher includes: merchandise information, payment information, transaction rules, operation instructions, user interaction interfaces, and dynamic data.

[0141] S504. Acquire transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attach transaction confirmation information to the bank credit electronic voucher to transmit the transaction information to the bank subsystem by the bank credit electronic voucher.

[0142] Specifically, the bank credit electronic voucher includes: payer information, payee information, payment amount, payment rule, transaction information, operation instruction, user interaction interface, and dynamic data. [0143] S506. Perform delivery according to the information of the commodity electronic voucher and the bank credit electronic voucher, and attach the delivery information to the commodity electronic voucher.

[0144] In this embodiment, the commodity subsystem is generated by the vendor subsystem, and the e-commerce data is processed by the direct commodity electronic voucher, without relying on the platform technical architecture, and the commodity transaction information is recorded throughout, and the source of anti-counterfeiting can be ensured to ensure the consumer. Purchase genuine products, realize the platform-based intelligent transaction mode of direct supply from the entire network, thus protecting the interests of manufacturers and consumers.

[Embodiment 6]

[0146] As shown in FIG. 6, an implementation method of an intelligent e-commerce provided by an embodiment of the present invention is applied to a vendor subsystem, and the method includes the following steps:

[0147] S602, the vendor subsystem encapsulates product information, payment information, transaction rules, logistics information, and insurance information.

The operation instruction and the user interaction interface generate the electronic voucher of the product, and the electronic voucher of the product is published to the entire network.

[0148] S604. Acquire transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attach transaction confirmation information to the bank credit electronic voucher.

[0149] S606. Determine whether the inventory is sufficient. If the inventory is insufficient, step S608 is performed, and if the inventory is sufficient, step S610 is performed.

[0150] S608. Generate raw material purchase information and attach it to the commodity electronic voucher.

[0151] S610. Generate a delivery code of the carrier, generate logistics information according to the commodity attribute; and attach the delivery code, the delivery information, and the logistics information to the electronic voucher of the commodity.

[0152] wherein the logistics information includes at least product information, a carrier's pick-up address, and a consignee and a receiving address.

[0153] S612. The vendor subsystem generates an insurance electronic voucher according to the commodity electronic voucher.

[0154] wherein, the insurance electronic voucher includes an insured party, a beneficiary party, an insured amount, an insured manner, a claim rule, an operation instruction, a user interaction interface, and dynamic data.

[0155] S614. After receiving the payment success information delivered by the bank credit electronic voucher, the vendor subsystem appends the transaction completion information to the commodity electronic voucher, and generates the after-sale electronic voucher according to the commodity electronic voucher.

[0156] In the embodiment of the present invention, on the basis of the above-mentioned fifth embodiment, the entire process is automatically completed by integrating the commodity transaction link, the payment link, the logistics link, the insurance link, the after-sales link, and the supervision system. Cheng, without manual intervention, thus ensuring various vulnerabilities in the transaction process, realizing the intelligent e-commerce system of the platform-only transaction mode directly supplied by the whole domain manufacturers, improving the security and transaction efficiency of commodity transactions.

Example 7

[0158] As shown in FIG. 7, an implementation method of an intelligent e-commerce provided by an embodiment of the present invention is applied to a user subsystem, and the method includes:

[0159] S702. The user subsystem acquires the commodity electronic certificate, performs a purchase/distribution operation on the commodity electronic voucher, and attaches the purchase/distribution information and the payment request to the commodity electronic voucher; and attaches the payment request information to the bank credit electronic voucher. in.

[0160] S704. After the user receives the goods, the user subsystem appends the receipt success information to the electronic voucher and the bank credit electronic voucher.

[0161] Specifically, the user subsystem checks the pickup code input by the user and the pickup code generated by the logistics subsystem stored in the commodity electronic certificate, and after the verification is successful, attaches the receipt success information to the commodity electronic certificate. And bank credit electronic voucher.

[0162] S706. The user subsystem receives the after-sales service information submitted by the user according to the user's needs, and attaches the after-sales service information to the after-sales electronic voucher.

[0163] In the embodiment of the present invention, by directly processing the e-commerce data on the electronic voucher of the commodity, it is not necessary to rely on the platform technical architecture, and the commodity transaction information is recorded throughout the entire process, and the source of the anti-counterfeit can be ensured, and the consumer is guaranteed to purchase the genuine product. Domain enterprises directly supply the platform to intelligent trading mode, thus protecting the interests of manufacturers and consumers.

Example 8

[0165] As shown in FIG. 8, an implementation method of an intelligent e-commerce provided by an embodiment of the present invention is applied to a banking subsystem, and the method includes:

[0166] S802. The banking subsystem receives the payment request information transmitted in the electronic voucher of the commodity, confirms the payment request information, and freezes the payment amount corresponding to the bank credit electronic voucher in the payer account, and appends the prepayment success information to the bank credit. In the electronic voucher.

[0167] wherein, the bank credit electronic voucher comprises: payer information, payee information, payment amount, payment rule 1J, transaction information, operation instruction, user interaction interface, and dynamic data. [0168] S804. After receiving the transaction confirmation information transmitted by the bank credit electronic voucher, the payee information in the transaction confirmation information and the payee information in the payment request information, the order information of the transaction confirmation information, and the payment request information. The order information is compared, and if the matching is successful, the receipt success information is attached to the bank credit electronic voucher.

[0169] S806. After receiving the receipt success information delivered by the bank credit electronic voucher, the frozen payment amount in the payer account is thawed and transferred to the payee account, and the payment success information is attached to the bank credit electronic voucher.

[0170] In the embodiment of the present invention, the bank electronic voucher is generated by the bank subsystem, and the bank credit electronic voucher is used for the payment operation, which solves the defect that the existing e-commerce platform third party payment has the funds to absorb the bank, and eliminates the financial risk. .

Example 9

FIG. 9(a) and FIG. 9(b) are respectively a flowchart and a schematic diagram of a method for implementing an intelligent e-commerce system according to an embodiment of the present invention.

[0173] As shown in FIG. 9(a), the implementation method of the intelligent e-commerce system provided by the embodiment of the present invention may include the following steps:

[0174] S901. The vendor subsystem generates commodity electronic voucher by using commodity information, logistics information, insurance information, payment information, transaction rules, operation instructions, and a user interface (UI), and publishing the electronic voucher of the commodity to the entire network.

[0175] S902, after the user subsystem browses and retrieves the electronic voucher of the product, and performs the purchase on the electronic voucher of the product.

, distribution operations, transfer of purchase and distribution information to the vendor subsystem; the manufacturer subsystem, after detecting insufficient supply, purchases raw materials from the supplier subsystem based on the purchase and distribution information, and produces production based on the purchase and distribution information.

[0176] S903, the bank subsystem uses the bank credit electronic voucher to freeze the prepaid amount of the goods in the buyer account, complete the prepayment, and transmit the prepayment information to the vendor subsystem, and the vendor subsystem returns the successful prepayment according to the bank credit electronic voucher. The message executes the shipping instruction.

[0177] In a specific implementation, the vendor subsystem obtains the transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attaches the transaction confirmation information to the bank credit electronic voucher, and the bank credit electronic voucher transmits the transaction information to the bank. system. After the bank subsystem receives the transaction confirmation message, the payment party is frozen. The payment amount corresponding to the bank credit electronic voucher in the account, and the information of the successful freezing is attached to the bank credit electronic voucher. The vendor subsystem ships the information according to the electronic voucher of the commodity and the electronic voucher of the bank credit.

[0178] S904, after the vendor subsystem performs the delivery, the logistics subsystem receives the delivery code generated by the vendor subsystem, picks up the goods at the designated storage point, and generates a pickup code for the user subsystem to pick up the goods. The goods are delivered to the user, so that the user confirms the receipt by receiving the goods code.

[0179] S905, after confirming the receipt of the goods, checking the commodity information of the transaction, the delivery information, the confirmation receipt information, the prepayment information, the commodity electronic voucher transaction rule, and after successfully verifying, transmitting the payment instruction to the electronic payment interface through the bank payment The banking subsystem, the banking subsystem unfreezes the prepaid amount in the payment account and transfers it to the payee account.

[0180] As shown in FIG. 9(b), during the production process of the manufacturer, when the manufacturer subsystem detects that the raw materials are insufficient, the raw materials are automatically purchased from the supplier subsystem, and the supplier subsystem performs the amount through the bank credit electronic voucher and the vendor subsystem. For settlement, the supplier subsystem interfaces with the logistics subsystem by carrying the electronic voucher, and delivers the raw materials to the manufacturer. The transaction process between the supplier subsystem and the vendor subsystem can be insured by the insurance electronic certificate.

[0181] After the manufacturer subsystem receives the raw materials from the supplier subsystem, the production is performed, and after the production is completed, the produced goods are put into the stock. The vendor subsystem generates electronic credentials, and the specific vendor subsystem generates commodity electronic credentials for product information, logistics information, insurance information, payment information, trading rules, operational instructions, and user interface (UI).

[0182] The vendor subsystem publishes the electronic voucher of the commodity to the entire domain and displays it, and can display the electronic voucher of the commodity on the PC end, the mobile device, etc., so that the consumer can browse the electronic voucher of the commodity and directly operate on the electronic voucher of the commodity. Including purchase operations, distribution operations, etc., the purchase/distribution operations are paid through bank credit electronic voucher, and the transaction process is executed through insurance electronic voucher. The bank subsystem uses the bank credit electronic voucher to freeze the prepaid amount of the goods in the buyer's account, completes the prepayment, and transmits the prepaid information to the vendor subsystem.

[0183] The vendor subsystem processes the purchase/distribution operation of the consumer, receives the pre-payment information, confirms the pre-payment and confirms the order transaction, performs the delivery, and communicates with the logistics subsystem through the logistics information, the specific logistics subsystem. The goods can be delivered to the consumer through the logistics carrier electronic voucher. Consumers rely on picking code Confirm receipt. After the consumer confirms the receipt of the goods, the vendor subsystem checks the transaction data. After successful verification, the payment instruction is transmitted to the bank subsystem through the bank payment electronic voucher interface, and the bank subsystem unfreezes the prepaid amount in the payment account and transfers it to the receipt. Party account. The transaction is completed by this time. If further after-sales service, the manufacturer subsystem performs after-sales service, such as warranty, installation, etc. The regulatory subsystem oversees the data information throughout the transaction process.

Example 10

[0185] As shown in FIG. 10, an apparatus for implementing an intelligent e-commerce provided by an embodiment of the present invention is applied to a vendor subsystem, where the apparatus includes a generating module 101, a publishing module 102, a transaction confirming module 103, and a shipping module 104. .

[0186] The generating module 101 is configured to generate commodity electronic documents by encapsulating commodity information, payment information, transaction rules, operation instructions, and user interaction interfaces.

[0187] Preferably, the generating module 101 may further generate the commodity electronic voucher in combination with the logistics information and the insurance information. The user interaction interface rule refers to the human-computer interaction interface displayed by the electronic voucher of the product. The generated electronic voucher of the product can prevent the source of the anti-counterfeiting and ensure that the consumer purchases the genuine product, thereby protecting the interests of the manufacturer and the consumer.

[0188] The publishing module 102 is configured to publish the commodity electronic voucher to the full domain.

[0189] Specifically, the publishing module 102 publishes the commodity electronic voucher to the full domain via WeChat, email, display platform, and/or offline to allow consumers and distributors to browse and purchase. Commodity electronic voucher can be distributed in the whole domain, and can exist in the media or equipment such as PC, mobile device, SMS, email, etc. As long as there is network communication, the transaction can be carried out anytime and anywhere, no longer relying on the e-commerce platform, and the whole is realized. Domain platform manufacturers directly to the platform trading mode.

[0190] The transaction confirmation module 103 is configured to obtain transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attach transaction confirmation information to the bank credit electronic voucher to transmit the transaction information to the bank by the bank credit electronic voucher. Subsystem.

[0191] The shipping module 104 is configured to deliver the goods according to the information of the commodity electronic voucher and the bank credit electronic voucher, and attach the shipping information to the merchandise electronic voucher.

[0192] In this embodiment, the commodity subsystem is generated by the vendor subsystem, and the e-commerce data is processed by the direct commodity electronic voucher, and the commodity transaction information is not required to be relied upon, and the commodity transaction information is recorded throughout, and the source can be prevented from being traced to ensure the consumer. Purchase genuine, realize the direct supply of the whole domain factory to the platform for intelligent exchange Easy mode, thus protecting the interests of manufacturers and consumers.

Example 11

[0194] As shown in FIG. 11, an apparatus for implementing an intelligent e-commerce according to an embodiment of the present invention is applied to a vendor subsystem. The device includes a generation module 101, a publishing module 102, and a transaction on the basis of the tenth embodiment. The confirmation module 103 and the delivery module 104 further include one or several combinations of the logistics module 105, the insurance service module 106, the supplier module 107, and the after-sales service module 108.

[0195] The logistics module 105 is configured to generate logistics information according to the commodity attribute; and attach the logistics information to the commodity electronic certificate; wherein the logistics information includes at least the carrier's picking code.

[0196] Specifically, the logistics information may further include: commodity information, a carrier pick-up address, and a consignee and a delivery address. The logistics company obtains the goods transportation information, and picks up the goods according to the delivery code at the warehouse point designated by the manufacturer. The system also generates a pickup code on the commodity electronic voucher and sends it to the user subsystem. After the logistics company picks up the goods, the goods are shipped to the buyer, and the buyer confirms the receipt according to the pick-up code of the electronic voucher of the goods. By integrating the logistics cycle, the entire process is completed automatically, without manual intervention, thus ensuring various loopholes in the logistics process and improving logistics efficiency.

[0197] The insurance service module 106 is configured to generate an insurance electronic voucher based on the merchandise electronic voucher and send it to the insurance subsystem. Among them, the insurance electronic voucher includes the insured party, the beneficiary party, the insured amount, the insurance mode, the claim rule, the operation instruction, the user interaction interface, and the dynamic data.

[0198] Specifically, if the user purchases the corresponding transaction insurance insurance automatically or manually, the insurance is officially automatically activated after the manufacturer confirms the transaction, and if the transaction is in danger, the information of the buyer's insurance according to the insurance clause is automatically transmitted. To insurance companies, insurance companies choose to handle claims automatically or manually according to insurance conditions, which can achieve quick claims and reduce claims and operations.

[0199] The supplier module 107 is configured to determine whether the inventory is sufficient. If the inventory is insufficient, the raw material procurement information is generated and sent to the supplier subsystem to purchase the raw materials, and the production is customized.

[0200] Specifically, the vendor module 107 communicates with the vendor subsystem to provide the manufacturer with a closed loop application for purchasing raw materials. This allows manufacturers to purchase raw materials safely and quickly based on online orders, ie, supplement materials. In this way, it can avoid the material sluggish caused by too much material preparation, and the shortage of preparation materials may affect the production progress and increase the rate of return of funds.

[0201] the after-sales service module 108 is configured to receive the payment success information delivered by the bank credit electronic voucher, The transaction completion information is attached to the commodity electronic voucher, and the after-sale electronic voucher is generated according to the commodity electronic voucher.

[0202] In the embodiment of the present invention, on the basis of the foregoing tenth embodiment, the entire process is automatically completed by integrating the commodity transaction link, the payment link, the logistics link, the insurance link, the after-sales link, and the supervision system, and the entire process is not required. Manual intervention, thus ensuring various vulnerabilities in the transaction process, realizing the intelligent e-commerce system of the platform-only transaction mode directly supplied by the whole domain manufacturers, improving the security and transaction efficiency of commodity transactions.

Example 12

[0204] As shown in FIG. 12, an apparatus for implementing an intelligent e-commerce according to an embodiment of the present invention is applied to a user subsystem, and the apparatus includes an operation module 201, a pre-payment module 202, and a receiving module 203.

[0205] The operation module 201 is configured to acquire the electronic voucher of the commodity, and perform a purchase/distribution operation on the electronic voucher of the commodity.

[0206] The pre-payment module 202 is configured to set the purchase/distribution information and the payment request information to be attached to the commodity electronic voucher; attach the payment request to the bank credit electronic voucher; the payment request information includes the order information, the payer information, Payee information, payment amount.

[0207] The receiving module 203 is configured to attach the receipt success information to the merchandise electronic voucher and the bank credit electronic voucher after the user receives the goods.

[0208] As a preferred solution, the receiving module 203 checks the pick-up code received by the user and the pick-up code generated by the logistics company stored in the electronic voucher of the product, and after the verification is successful, attaches the receipt success information. Go to the electronic voucher for the goods and the electronic voucher for the bank credit.

[0209] As another preferred solution, the apparatus may further include an after-sales service request module: configured to receive the service request information submitted by the user according to the user's requirement, and attach the after-sales service request information to the after-sales electronic voucher.

[0210] In the embodiment of the present invention, by directly processing the e-commerce data on the electronic voucher of the commodity, it is not necessary to rely on the platform technical architecture, and the commodity transaction information is recorded throughout the entire process, and the source of the anti-counterfeit can be ensured, and the consumer is guaranteed to purchase the genuine product. Domain enterprises directly supply the platform to intelligent trading mode, thus protecting the interests of manufacturers and consumers.

Example 13 [0212] As shown in FIG. 13, an apparatus for implementing an intelligent e-commerce according to an embodiment of the present invention is applied to a banking subsystem, and the apparatus includes a certificate module 301, a certificate receiving module 302, and a solution module 303.

[0213] The certificate module 301, the bank subsystem receives the payment request information transmitted in the bank credit electronic and electronic certificate

, confirming the payment request information, and freezing the payment amount corresponding to the bank credit electronic voucher in the payer account, and appending the prepayment success information to the bank credit electronic voucher.

[0214] wherein, the bank credit electronic voucher comprises: payer information, payee information, payment amount, payment rule 1J, transaction information, operation instruction, user interaction interface, and dynamic data and data information.

[0215] After receiving the transaction confirmation information transmitted by the bank credit electronic voucher, the certificate receiving module 302, the payee information in the transaction confirmation information and the payee information in the payment request information, the order information of the transaction confirmation information, and the payment The order information in the request information is compared, and if the matching is successful, the certificate success information is attached to the bank credit electronic voucher.

[0216] The solution module 303 is configured to: after receiving the receipt success information delivered by the bank credit electronic voucher, thaw the payment amount frozen in the payer account and transfer the payment amount to the payee account, and attach the payment success information to the bank Credit electronic voucher.

[0217] In the embodiment of the present invention, the bank electronic voucher is generated by the bank subsystem, and the bank credit electronic voucher is used for the payment operation, which solves the defect that the existing e-commerce platform third party payment has the funds to absorb the bank, and eliminates the financial risk. .

Example 14

[0219] FIG. 14 is a schematic diagram of an intelligent electronic commerce system according to Embodiment 14 of the present invention. The system in the embodiment of the present invention interfaces with the ERP system in the manufacturing enterprise, and the realization of the transaction of the commodity and the transaction of the commodity is fully intelligent. details as follows:

[0220] The enterprise ERP system imports information into the vendor subsystem, which includes collecting product information, logistics information, payment information, insurance information, transaction rules, operation instructions, and operation interface/UI. The vendor subsystem collects the above information and performs packaging. And through data encryption, generate commodity electronic voucher, and publish it, specifically through the CA system for encryption, and also store the commodity electronic voucher into the cloud storage system.

[0221] The commodity electronic voucher is distributed, and is transmitted from the network to the entire network through the communication system, and can be displayed on the display platform, and can be displayed in a device such as a mobile terminal or a PC terminal, and is not necessarily limited to a specific one. The platform is displayed. Searching across the entire domain, consumers can The voucher is searched. The display platform displays the electronic voucher of the product, and the consumer can browse, and the user subsystem can retrieve the electronic voucher of the product, and then perform operations such as purchase, consignment or purchase on the electronic voucher of the product, and transmit the purchase and distribution information to the manufacturer subsystem. The vendor subsystem processes the payment information, confirms the payment information on the electronic voucher of the commodity, and performs prepayment by the bank credit electronic voucher, and the bank subsystem freezes the prepaid amount of the goods in the buyer account through the payment integrator, completes the prepayment, and prepays The success information is attached to the bank credit electronic voucher, and the prepayment information is transmitted to the vendor subsystem, and the vendor subsystem executes the shipping instruction according to the successful prepayment message returned by the bank credit electronic voucher, after the vendor subsystem performs the delivery, the logistics The subsystem receives the delivery code generated by the manufacturer subsystem, picks up the goods at the specified storage point, and generates a receipt code for the user subsystem to pick up the goods, and delivers the goods to the consumer, so that the consumer confirms by the pick-up code. Receiving goods. After confirming the receipt of the goods, check the commodity information, delivery information, confirmation receipt information, prepayment information, and commodity electronic voucher transaction rules of the transaction. After successful verification, the payment instruction is transmitted to the bank subsystem through the bank payment electronic voucher, the bank The system unfreezes the prepaid amount in the payment account and transfers it to the payee account.

[0222] The vendor subsystem passes the purchase, distribution, and after-sales information to the enterprise ERP system.

[0223] If further after-sales service, the manufacturer subsystem performs after-sales service, such as warranty, installation, and the like. In the event of a return, a transaction error, etc., the insurance will automatically take effect.

[0224] The vendor subsystem generates an insurance electronic voucher according to the commodity electronic voucher and sends it to the insurance subsystem. After receiving the claim request information in the insurance electronic voucher, the insurance subsystem matches and calculates the insurance information in the electronic voucher. Claims, and the claim result is attached to the insurance electronic voucher; wherein the claim request information is attached to the insurance electronic voucher by the user subsystem.

[0225] Further optionally, after receiving the purchase request, the vendor subsystem may further determine whether the inventory is sufficient. If the inventory is insufficient, generate raw material purchase information and send it to the supplier subsystem to purchase raw materials, and customize production; If sufficient, the shipment will be executed.

[0226] The supplier subsystem receives the manufacturer subsystem to generate raw material procurement information, and supplies the products according to the raw materials. The supplier subsystem distributes the raw materials to the manufacturer subsystem through the logistics subsystem, and freezes the purchase payment amount of the manufacturer through the bank credit electronic voucher. After the manufacturer confirms receipt of the raw materials, it is thawed, and the bank subsystem unfreezes the thawed purchase payment amount. Transfer from the payer account to the payee account [0227] Further optionally, the supervisory subsystem supervises the data information of the entire transaction process. The supervisory subsystem receives instruction information executed by the vendor subsystem, the user subsystem, the banking subsystem, the logistics subsystem, the insurance subsystem, and/or the supplier subsystem, and also obtains electronic voucher for merchandise, electronic credit voucher for bank credit, and/or Relevant data information in the insurance electronic voucher. Specifically, the regulatory subsystem provides a regulatory big data interface to government agencies, vendors, or third-party regulators. The regulated big data system collects data from commodity information, transaction data, payments, reputation, buyer transactions, and behaviors, and provides them to relevant statistical units or regulatory agencies through intelligent analysis and calculation authorization. Peer-to-peer, it is also possible to authorize measures such as automatic handling of transactions to protect the interests of consumers and manufacturers, and to achieve the regulatory nature of public authorities in online transactions.

[0228] In the embodiment of the present invention, the commodity electronic voucher can be circulated in the entire network, and can exist in a medium or a device such as a PC end, a mobile device, a short message, or an email, and can be subsequently and randomly exchanged as long as there is network communication. The electronic voucher generated by the manufacturer adopts technologies such as security encryption to ensure that the goods are produced by the manufacturer, and the dynamic data records are carried out for each link. The anti-counterfeiting traceability and the direct supply of the manufacturer are realized, and the marketing cost of the same product is greatly reduced, and the profit can be realized. For consumers.

[0229] In the embodiment of the present invention, the user can send his own requirements to the manufacturer through the communication system, and the manufacturer can customize the production according to the data provided by the user after obtaining the user's demand. The embodiment of the invention can also be connected with the input and output interface of the enterprise E RP system, and the data of the commodity sales, the agent and the transaction can be communicated with the ERP system of the manufacturer, so that the manufacturer can formulate the production plan according to the data, and effectively utilize the system to provide the production plan. The big data of the embodiment of the present invention also provides a closed-loop application for the purchase of raw materials of the manufacturer. The manufacturer can purchase the data according to the user, and then the payment, insurance, logistics, supervision, etc. provided by the system can not be used to purchase the raw materials safely and quickly according to the online order situation. .

[0230] The present invention adopts a bank credit electronic voucher to perform a payment operation. Since the payment is frozen in the buyer account, the funds are thawed and paid to the seller after the arrival, and the funds are not only present in the account of the buyer and the seller during the entire transaction. Instead of being on a third-party account, it solves the shortcomings of the existing e-commerce platform for third-party payment to absorb bank funds and eliminate financial risks. The invention has a "Express Service Integrator" deployed in various logistics companies. After the user completes the purchase transaction, the manufacturer confirms the transaction and executes the "shipping" instruction, and the logistics company automatically obtains the factory entrusted transportation instruction through the "Express Service Integrator". Information and get the "handling code", the logistics company according to the "delivery code" given by the manufacturer, to the delivery point designated by the manufacturer to pick up the goods, business After the goods are shipped to the buyer, the buyer confirms the receipt according to the dynamically generated "receipt code" on the electronic voucher of the goods, and completes the transaction. The above processes are completed automatically, without manual intervention, thus ensuring various leaks in the logistics process and improving logistics efficiency.

[0231] The present invention has an "insurance business integrator" which is deployed in an insurance company, and if the buyer purchases the corresponding transaction insurance insurance automatically or manually, the insurance is officially automatically activated after the manufacturer confirms the transaction, if the transaction is in danger According to the insurance clause, the information of the buyer's insurance will be automatically transmitted to the insurance company. The insurance company chooses to handle the claim automatically or manually according to the insurance situation. The real settlement is realized quickly, the claim link is reduced, and the operation is simpler.

[0232] The supervision subsystem in the embodiment of the present invention can be deployed in a government department, a third-party regulatory agency, etc., and supervises big data to collect data from commodity information, transaction data, payment, reputation, user transactions, and behaviors, through intelligence. The analysis and calculation authorization are provided to the relevant statistical units and regulatory authorities. The peer supervision system can also authorize measures such as taking and automatically handling the problems in the transaction to protect the interests of consumers and manufacturers. The supervision system big data access is fundamental. The supervision of online transactions is realized.

[0233] In addition, an embodiment of the present invention further provides an implementation system of an intelligent e-commerce, where the system includes an implementation device applied to a vendor subsystem, an implementation device applied to a user subsystem, and the application in the foregoing embodiment. The implementation of the banking subsystem is not repeated here.

[0234] It should be noted that the technical features in the foregoing system embodiments are also applicable in the corresponding method and device embodiments. To save space, it is not repeated in each embodiment.

[0235] Those skilled in the art can understand that all or part of the steps in implementing the above embodiments may be controlled by a program to control related hardware, and the program may be stored in a computer readable storage medium. The storage medium described, such as a ROM/RAM, a magnetic disk, an optical disk, or the like.

The preferred embodiments of the present invention have been described above with reference to the drawings, and are not intended to limit the scope of the invention.

A person skilled in the art can implement the invention in various modifications without departing from the scope and spirit of the invention. For example, the features of one embodiment can be used in another embodiment to obtain a further embodiment. Any modifications, equivalent substitutions and improvements made within the technical concept of the invention are intended to be within the scope of the invention.

Industrial applicability

[0237] The intelligent electronic commerce system provided by the present invention and the implementation method and device thereof are directly on the information carrier Carrying out commodity activities, without relying on the platform technology structure, and recording commodity trading information throughout, can prevent false source tracing, ensure consumers purchase genuine products, and realize the platform-based intelligent trading mode of direct supply by the whole domain manufacturers, thus ensuring the manufacturers and consumers. interest.

[0238] Secondly, by using the bank credit electronic voucher to perform the payment operation, since the payment/finance funds are frozen in the buyer account, and the funds are redeployed to the seller after the arrival, the funds are only present in the accounts of the buyer and the seller during the entire transaction, instead of In the third-party account, the existing e-commerce platform third-party payment has the drawback of absorbing bank funds and eliminating financial risks.

[0239] In addition, through the integration of commodity trading links, payment links, logistics links, insurance links and regulatory systems, the entire process is automatically completed without manual intervention, thus ensuring various loopholes in the transaction process and achieving full The intelligent e-commerce system that is directly supplied by the domain manufacturers to the platform transaction mode improves the security and transaction efficiency of commodity transactions.

[0240] The invention automatically processes the dynamic relationship, processing and state between the commodity trading link, the payment link, the logistics link, the insurance link, the supervision link and the like in the e-commerce transaction, reduces the manual intervention, and realizes the manufacturer and the supply. Automated business processing in business, banking, insurance, logistics, regulatory, consumer and other business segments has realized intelligent business logic, intelligent product flow, intelligent supply chain, intelligent financial payment, and intelligent transaction regulation.

Claims

Claim

An intelligent electronic commerce system, characterized in that the system comprises: a vendor subsystem, a user subsystem, a banking subsystem, and an information carrier, wherein:

The information carrier is configured to provide an interaction operation for the user and execute a corresponding operation instruction; and is further configured to transmit data information to the vendor subsystem, the user subsystem, and the bank subsystem;

The vendor subsystem, the user subsystem, and the banking subsystem are all set to: after receiving the information transmitted by the information carrier, processing the information in a respective order, and executing the subsystem by the processing result The instruction of the instruction adds the data after the execution of the instruction to the information carrier.

The intelligent electronic commerce system according to claim 1, wherein said information carrier comprises a commodity electronic voucher, a bank credit electronic voucher, and/or an insurance electronic voucher.

The intelligent electronic commerce system according to claim 2, wherein the commodity electronic voucher is generated by the vendor subsystem, and the commodity electronic voucher comprises: commodity information, payment information, transaction rules, operation instructions, User interaction interface and dynamic data. The intelligent electronic commerce system according to claim 2, wherein the vendor subsystem is further configured to: package commodity information, payment information, transaction rules, operation instructions, user interaction interfaces, generate commodity electronic vouchers, and The commodity electronic voucher is issued to the full domain; the transaction information is obtained from the commodity electronic voucher and the bank credit electronic voucher, and after the transaction is confirmed, the transaction confirmation information is attached to the bank credit electronic voucher; The information of the bank credit electronic voucher is shipped, and the delivery information is attached to the commodity electronic voucher.

The intelligent electronic commerce system according to claim 2, wherein the bank credit electronic voucher is generated by the bank subsystem, and the bank credit electronic voucher comprises: payment party information, payee information, payment amount, Payment rules, transaction information, operational instructions, user interaction interfaces, and dynamic data.

The intelligent electronic commerce system according to claim 2, wherein the user subsystem is further configured to: acquire the electronic voucher of the commodity, and perform the electronic voucher on the commodity a purchase/distribution operation, and attaching purchase/distribution information and payment request information to the commodity electronic voucher; appending payment request information to the bank credit electronic voucher; wherein the payment request includes order information, payment Party information, payee information, payment amount; after the user receives the goods, the receipt success information is attached to the commodity electronic voucher and the bank credit electronic voucher.

[Claim 7] The intelligent electronic commerce system according to claim 6, wherein

The bank subsystem is further configured to: receive payment request information transmitted by the bank credit electronic voucher, confirm the payment request information, and freeze the payment amount corresponding to the bank credit electronic voucher in the payer account, and The pre-payment success information is attached to the bank credit electronic voucher; after receiving the transaction confirmation information transmitted by the bank credit electronic voucher, the payee information in the transaction confirmation information and the payment request information are The payee information, the order information of the transaction confirmation information are compared with the order information in the payment request information, and if the matching is successful, the receipt success information is attached to the bank credit electronic voucher; After the receipt success message, the frozen payment amount in the payer account is thawed and transferred to the payee account, and the payment success information is attached to the bank credit electronic voucher.

[Claim 8] The intelligent electronic commerce system according to claim 1, wherein the system further comprises: a logistics subsystem; the information carrier comprises a commodity electronic certificate;

The vendor subsystem is further configured to generate logistics information according to the commodity attribute; and attach the logistics information to the commodity electronic certificate; the logistics information includes: product information, a delivery address, and a consignee and a receipt Address

The vendor subsystem is further configured to generate a delivery code of the carrier after the goods are shipped, and attach the delivery code to the electronic voucher of the commodity;

The logistics subsystem is configured to receive the logistics information and the pickup code delivered by the information carrier.

[Claim 9] The intelligent electronic commerce system according to claim 8, wherein the logistics subsystem is further configured to:

After the logistics company picks up the goods, generates a pick-up code for receiving the goods, and attaches the pick-up code In the information carrier.

[Claim 10] The intelligent electronic commerce system according to claim 1, wherein the system further comprises:

An insurance subsystem, configured to receive an insurance electronic voucher delivered by the information carrier, where the insurance electronic voucher is generated by the vendor subsystem, where the insurance electronic voucher includes an insured party, a beneficiary party, an insured amount, an insurance method, Claim rules, operational instructions, user interaction interfaces, and dynamic data.

[Claim 11] The intelligent electronic commerce system according to claim 10, wherein the insurance sub-system is further configured to:

After receiving the claim request information in the insurance electronic voucher, matching with the information in the information carrier and calculating the claim, and appending the claim result to the insurance electronic voucher; wherein the claim request information is The user subsystem is attached to the insurance electronic voucher.

[Claim 12] The intelligent electronic commerce system according to claim 2, wherein the system further comprises: a supplier subsystem;

The vendor subsystem is further configured to determine whether the inventory is sufficient. If the inventory is insufficient, the raw material purchase information is generated, and the raw material purchase information is attached to the commodity electronic certificate;

The supplier subsystem is configured to receive raw material procurement information transmitted by the information carrier, attach the raw material supply information to the information carrier, and supply the manufacturer subsystem according to the raw material procurement information .

[Claim 13] The intelligent electronic commerce system according to claim 2, wherein

The vendor subsystem is further configured to: after receiving the payment success information delivered by the bank credit electronic voucher, attach transaction completion information to the commodity electronic voucher, and generate an after-sale electronic voucher according to the commodity electronic voucher; After the after-sales service information transmitted by the after-sales electronic voucher, the after-sales service information to be provided is transmitted to the manufacturer; the user subsystem is further configured to receive the after-sales service information submitted by the user according to the user's demand, and attach the after-sales service information to The after-sales electronic voucher. [Claim 14] The intelligent electronic commerce system according to any one of claims 1 to 13, wherein the system further comprises:

a supervisory subsystem, configured to receive instruction information executed by the vendor subsystem, the user subsystem, the banking subsystem, the logistics subsystem, the insurance subsystem, and/or the vendor subsystem, Set to obtain the electronic voucher of the commodity, the bank credit electronic voucher, and/or related data information in the insurance electronic voucher.

[Claim 15] A method for implementing intelligent electronic commerce, characterized in that the method comprises:

The vendor subsystem encapsulates the commodity information, the payment information, the transaction rule, the operation instruction, the user interaction interface, generates the electronic voucher of the commodity, and publishes the electronic voucher of the commodity to the entire domain; the user subsystem acquires the electronic voucher of the commodity, Performing a purchase/distribution operation on the commodity electronic voucher, attaching the purchase/distribution information, and the payment request information to the electronic voucher of the commodity; appending the payment request to the bank credit electronic voucher; the payment request information including the order information The payment party information, the payee information, the payment amount; the bank subsystem receives the payment request information transmitted in the bank credit electronic voucher, confirms the payment request information, and freezes the bank credit electronic in the payer account The payment amount corresponding to the voucher, and appending the pre-payment success information to the bank credit electronic voucher;

The vendor subsystem obtains transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attaching transaction confirmation information to the bank credit electronic voucher, the bank subsystem receives the bank credit electronic After the transaction confirmation information is transmitted by the voucher, the payee information in the transaction confirmation information and the payee information in the payment request information, the order information of the transaction confirmation information, and the order in the payment request information The information is compared, and if the matching is successful, the receipt success information is attached to the bank credit electronic voucher;

The vendor subsystem delivers the goods according to the commodity electronic voucher and the bank credit electronic voucher, and attaches the shipping information to the commodity electronic voucher;

The user subsystem appends the receipt success information to the commodity electronic after the user receives the goods The voucher is neutralized in the bank credit electronic voucher;

After receiving the receipt success information, the banking subsystem thaws the frozen payment amount in the payer account and transfers it to the payee account, and attaches the payment success information to the bank credit electronic certificate.

[Claim 16] The method for implementing the smart e-commerce according to claim 15, wherein the bank credit electronic voucher comprises: the payer information, the payee information, the payment amount, and payment Rules, the transaction information, operational instructions, user interaction interfaces, and dynamic data information.

[Claim 17] The method for implementing the smart e-commerce according to claim 15, wherein the method further comprises:

The vendor subsystem generates logistics information according to the commodity attribute; and attaches the logistics information to the commodity electronic certificate; the logistics information includes: commodity information, a delivery address, and a consignee and a delivery address;

After the vendor subsystem delivers the information according to the commodity electronic voucher and the bank credit electronic voucher, and attaches the shipping information to the commodity electronic voucher, the method further includes:

The vendor subsystem generates a carrier's pick-up code after the goods are shipped, and attaches the pick-up code to the commodity electronic voucher.

[Claim 18] The method for implementing the smart e-commerce according to claim 17, wherein the method further comprises:

Receiving, by the logistics subsystem, the logistics information delivered by the electronic voucher of the commodity and the delivery code; after the delivery company picks up the goods, generating a pickup code for the user to receive the goods, and attaching the delivery success information and the pickup code to the commodity In the electronic voucher.

[Claim 19] The method for implementing the smart e-commerce according to claim 18, wherein the attaching the receipt success information to the electronic voucher and the bank credit electronic voucher further comprises:

The user subsystem checks the pickup code input by the user and the pickup code generated by the logistics company stored in the electronic voucher of the commodity, and checks the receipt of the goods after successful verification. The method for implementing the smart e-commerce according to claim 15, wherein the method further comprises:

The vendor subsystem generates an insurance electronic voucher according to the commodity electronic voucher; wherein the insurance electronic voucher includes an insured party, a beneficiary party, an insured amount, an insurance method, a claims rule, an operation instruction, a user interaction interface, and dynamic data.

The method for implementing the intelligent electronic commerce according to claim 20, wherein the method further comprises:

After receiving the claim request information in the insurance electronic voucher, the insurance subsystem matches the insurance information in the electronic voucher and calculates the claim, and appends the claim result to the insurance electronic voucher; The claims request information is attached to the insurance electronic voucher by the user subsystem.

The method for implementing the smart e-commerce according to claim 15, wherein the vendor subsystem further comprises: before the shipment according to the commodity electronic voucher and the bank credit electronic voucher information:

The vendor subsystem determines whether the inventory is sufficient, and if the inventory is insufficient, generates raw material purchase information, and attaches the raw material purchase information to the commodity electronic voucher.

The method for implementing the intelligent electronic commerce according to claim 22, further comprising: the supplier subsystem receiving the raw material purchase information transmitted in the electronic voucher of the commodity, and attaching the raw material supply information to the In the electronic voucher of the product.

The method for implementing the smart e-commerce according to claim 15, wherein the method further comprises:

After receiving the payment success information delivered by the bank credit electronic voucher, the vendor subsystem appends the transaction completion information to the commodity electronic voucher, and generates an after-sale electronic voucher according to the commodity electronic voucher.

The method for implementing the intelligent electronic commerce according to claim 24, wherein the method further comprises:

Receiving, by the user subsystem, the after-sales service information submitted by the user according to the user's needs, and attaching the after-sales service information to the after-sales electronic voucher; After receiving the after-sales service information transmitted by the after-sales electronic voucher, the manufacturer subsystem transmits the after-sales service information that needs to be provided to the manufacturer.

The method of claim 26, wherein the method further comprises:

The supervisory subsystem receives instruction information executed by the vendor subsystem, the user subsystem, the banking subsystem, the logistics subsystem, the insurance subsystem, and/or the vendor subsystem, and acquires The commodity electronic voucher, the bank credit electronic voucher, and/or related data information in the insurance electronic voucher.

[Claim 27] An implementation method of intelligent electronic commerce, which is applied to a vendor subsystem, and the method includes:

The vendor subsystem encapsulates commodity information, payment information, transaction rules, operation instructions, and user interaction interfaces to generate commodity electronic vouchers, and publishes the commodity electronic vouchers to the entire domain to obtain the electronic vouchers and bank credit electronic vouchers. Transaction information, and after confirming the transaction, attaching transaction confirmation information to the bank credit electronic voucher to transmit the transaction information to the bank subsystem by the bank credit electronic voucher;

The shipment is performed based on the merchandise electronic voucher and the information of the bank credit electronic voucher, and the shipment information is attached to the merchandise electronic voucher.

[Claim 28] The method for implementing the intelligent electronic commerce according to claim 27, wherein the method further comprises:

The vendor subsystem generates logistics information according to the commodity attribute; attaching the logistics information to the commodity electronic certificate; the logistics information includes: commodity information, a delivery address, and a consignee and a delivery address;

The vendor subsystem generates a carrier picking code after the goods are shipped, and the The goods code is attached to the electronic voucher of the goods.

[Claim 29] The method for implementing the smart e-commerce according to claim 27, wherein the method further comprises:

[Claim 30] The method for implementing the intelligent electronic commerce according to claim 27, wherein the method further comprises:

[Claim 31] The method for implementing the smart e-commerce according to claim 27, further comprising:

[Claim 32] An implementation method of intelligent electronic commerce, which is applied to a user subsystem, and the method includes:

The user subsystem acquires a commodity electronic voucher, performs a purchase/distribution operation on the merchandise electronic voucher, attaches purchase/distribution information, and payment request information to the merchandise electronic voucher; attaches the payment request to the bank In the credit electronic voucher; the payment request information includes order information, payer information, payee information, and payment amount; and the user subsystem appends the receipt success information to the electronic voucher after the user receives the goods. And the bank credit electronic voucher.

[Claim 33] The method for implementing the smart e-commerce according to claim 32, wherein the user subsystem attaches the receipt success information to the electronic voucher and the bank credit after the user receives the goods. The electronic voucher includes:

The user subsystem will receive the pickup code input by the user and the electronic voucher of the commodity The pick-up code generated by the stored logistics company is checked, and after the verification is successful, the receipt success information is attached to the commodity electronic voucher and the bank credit electronic voucher.

The method of claim 32, wherein the method further comprises:

The user subsystem receives the after-sales service request information submitted by the user according to the user's needs, and attaches the after-sales service request information to the after-sales electronic voucher.

[Claim 35] An implementation method of intelligent electronic commerce, applied to a banking subsystem, characterized in that: the method comprises:

The bank subsystem receives the payment request information transmitted in the bank credit electronic voucher, confirms the payment request information, and freezes the payment amount corresponding to the bank credit electronic voucher in the payer account, and appends the prepayment success information to After receiving the transaction confirmation information transmitted by the bank credit electronic voucher, the bank credit electronic voucher, the payee information in the transaction confirmation information and the payee information in the payment request information, the transaction The order information of the confirmation information is compared with the order information in the payment request information, and if the matching is successful, the certificate success information is attached to the bank credit electronic voucher; and the receipt of the bank credit electronic voucher is received. After the goods success information, the frozen payment amount in the payer account is thawed and transferred to the payee account, and the payment success information is attached to the bank credit electronic voucher.

[Claim 36] The method for implementing the smart e-commerce according to claim 35, wherein the bank credit electronic voucher comprises: the payer information, the payee information, the payment amount, and the payment Rules, the transaction information, operational instructions, user interaction interfaces, and dynamic data.

[Claim 37] An apparatus for implementing an intelligent electronic commerce, which is applied to a vendor subsystem, wherein the apparatus comprises:

a generating module, configured to package product information, payment information, trading rules, operating instructions, The user interaction interface generates an electronic voucher for the product;

a publishing module, configured to publish the electronic voucher of the commodity to a full domain;

a transaction confirmation module, configured to obtain transaction information from the commodity electronic voucher and the bank credit electronic voucher, and after confirming the transaction, attach transaction confirmation information to the bank credit electronic voucher to transmit the transaction information by the bank credit electronic voucher To the bank subsystem; the delivery module is configured to issue the shipment according to the commodity electronic voucher and the bank credit electronic voucher, and attach the delivery information to the commodity electronic voucher.

The device for implementing the smart e-commerce according to claim 37, wherein the device further comprises:

a logistics module, configured to generate logistics information according to the commodity attribute; attach the logistics information to the commodity electronic voucher; generate a carrier picking code after the goods are shipped, and attach the picking code to the The merchandise electronic voucher; the logistics information includes: merchandise information, delivery address, and consignee and delivery address.

The insurance service module is configured to generate an insurance electronic voucher according to the commodity electronic voucher; wherein the insurance electronic voucher includes an insured party, a beneficiary party, an insured amount, an insured manner, a claim rule, an operation instruction, a user interaction interface, and dynamic data.

The supplier module is configured to determine whether the inventory is sufficient. If the inventory is insufficient, the raw material purchase information is generated, and the raw material purchase information is attached to the commodity electronic certificate. The device for implementing the smart e-commerce according to claim 37, wherein the device further comprises:

The after-sales service module is configured to: after receiving the payment success information delivered by the bank credit electronic voucher, attach the transaction completion information to the commodity electronic voucher, and generate an after-sale electronic voucher according to the commodity electronic voucher. [Claim 42] An apparatus for implementing an intelligent electronic commerce, which is applied to a user subsystem, wherein the apparatus comprises:

An operation module, configured to obtain the electronic voucher of the commodity, and perform a purchase/distribution operation on the electronic voucher of the commodity;

a prepayment module, configured to attach purchase/distribution information and payment request information to the commodity electronic voucher; attach the payment request to a bank credit electronic voucher; the payment request information includes order information, payment party information The payee information, the payment amount receipt module, is configured to attach the receipt success information to the electronic voucher and the bank credit electronic voucher after the user receives the goods.

[Claim 43] The device for implementing the smart e-commerce according to claim 42, wherein the receiving module is specifically configured to:

The pick-up code received by the user is checked against the pick-up code generated by the logistics company stored in the electronic voucher of the commodity, and after the verification is successful, the receipt success information is attached to the commodity electronic voucher and the bank credit electronic In the voucher.

The device of claim 4, wherein the device further comprises:

After-sales service module: Set to receive the after-sales service request information submitted by the user according to the user's needs, and attach the after-sales service request information to the after-sales electronic voucher.

[Claim 45] An apparatus for implementing an intelligent electronic commerce, which is applied to a banking subsystem, wherein the apparatus comprises:

The certificate module is configured to receive payment request information transmitted in the bank credit electronic voucher, confirm the payment request information, and freeze the payment amount corresponding to the bank credit electronic voucher in the payer account, and attach the prepayment success information To the bank credit electronic voucher;

The receipt module is configured to, after receiving the transaction confirmation information transmitted by the bank credit electronic voucher, confirm the payee information in the transaction confirmation information with the payee information in the payment request information, and confirm the transaction Order information of the information and the order in the payment request information The single information is compared, and if the matching is successful, the receipt success information is attached to the bank credit electronic voucher;

The payment module is configured to: after receiving the receipt success information delivered by the bank credit electronic voucher, thaw the payment amount frozen in the payer account and transfer the payment amount to the payee account, and attach the payment success information to the bank Credit electronic voucher.

[Claim 46] The device for implementing smart e-commerce according to claim 45, wherein the bank credit electronic voucher comprises: payer information, payee information, payment amount, payment rule, transaction information, operation Instructions, user interface, and dynamic data.

[Claim 47] An implementation system for an intelligent electronic commerce, wherein the implementation system comprises: an apparatus for implementing a vendor subsystem according to any one of claims 37-41, claim 42- An apparatus for implementing a user subsystem as claimed in any of the preceding claims, and an apparatus for implementing a banking subsystem as claimed in claim 45 or 46.