CN104063829A - Trading method based on online virtual credit points and system thereof - Google Patents
Trading method based on online virtual credit points and system thereof Download PDFInfo
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- CN104063829A CN104063829A CN201410322546.9A CN201410322546A CN104063829A CN 104063829 A CN104063829 A CN 104063829A CN 201410322546 A CN201410322546 A CN 201410322546A CN 104063829 A CN104063829 A CN 104063829A
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Abstract
The invention provides a trading method based on online virtual credit points and a system thereof. The method comprises the steps that traders acquire IDs and the virtual credit points; the traders issue information of commodities to be sold and make a price according to the virtual credit points; the traders exchange the virtual credit points; the commodities are purchased according to the virtual credit points, and commodity delivery is completed. According to the method, the virtual credit points serving the online traders are large in number, free of charge and personal gain, convenient to acquire and safe. The trading method based on the virtual credit points is efficient, trading behaviors are free of charge and are not limited by real financial conditions, and the value of trading agencies is not influenced by others.
Description
[technical field]
The present invention relates to a kind of at the online method and system that transaction occurs.
[background technology]
Online barter, due to a difficult problem for Value Division, is exchanged into power low, and therefore online transaction is the same with transaction off the net, needs exchange intermediary.Exchange intermediary has several forms: real money, and the ideal money of being issued by transaction platform distribution itself or introducing third party.In above-mentioned situation, dealer must pay cost of use for this reason; Because dealer and true/ideal money publisher is not same main body, exchange intermediary has external effect to dealer, and the two interests is inconsistent, and the publisher of exchange intermediary tends to super generating, over-evaluates the value of intermediary, causes currency inflation; Because exchange intermediary is rare, also may produce the loss that causes transaction not reach owing to temporarily can not obtaining exchange intermediary.
[summary of the invention]
The technical matters that the present invention need solve is to overcome above-mentioned deficiency, a kind of not rare, cost free is provided, without private interests, conveniently obtain exchange intermediary, improve trading efficiency, reduce the method for commerce based on virtual network credit number of transaction cost.
According to the above-mentioned technical matters that needs solution, the present invention has designed a kind of method of commerce based on virtual network credit number, and it comprises the following steps: step 1: dealer obtains virtual credit number; Step 2: dealer issues the information of pre-vending articles, and pre-vending articles are fixed a price with virtual credit number; Step 3: carry out virtual credit number transaction between dealer to get other people virtual credit number; Step 4: dealer removes to buy other people the pre-commodity of selling with other people virtual credit number.
Further improve as the present invention, the method for commerce that the present invention is based on virtual network credit number also comprises: before step 1, dealer first obtains ID by registration, and each ID has configured the virtual credit number of certain number.
Further improve as the present invention, new ID must association and obtain the license of some existing ID after just can succeed in registration.
Further improve as the present invention, the method of commerce that the present invention is based on virtual network credit number also comprises: also comprise: after the behavior of step 4 purchase-transaction completes, produce Transaction Information, both parties or in many ways Transaction Information is broadcast to the ID group who is associated, then the ID that the ID being associated submits to broadcast Transaction Information by the historical transactional information of its storage inside according to certain rule does once and checks, if discovery breakpoint, completing breakpoint returns and looks into after covering, ID group and both parties or in many ways just this Transaction Information is recorded in to this ID inside, notify both parties or in many ways concluded the business.
Further improve as the present invention, the information of pre-vending articles comprises unit price, the issue time limit etc. of trade name, quantity, the marked price of virtual credit number.
Further improve as the present invention, between dealer, carry out virtual credit number transaction according to certain exchange rate.
The present invention also provides a kind of transaction system based on virtual network credit number, and this transaction system comprises:
ID generation module, in order to dealer's registration, acquisition ID account and password;
Virtual credit number storage and transaction modules, the virtual credit number of storing and conclude the business;
Shelf module, for dealer's publishing commodity and complete and complete a business transaction commodity.
Further improve as the present invention, the transaction system that the present invention is based on virtual network credit number also comprises: information recording and authentication module, record Transaction Information and returned and looked into the machine-processed correctness of guaranteeing information recording of covering by broadcast breakpoint.
The present invention provides a kind of not rare, cost free, without private interests, the convenient exchange intermediary that obtains for dealer, it is virtual credit number, the value of virtual credit number by the pre-vending articles of dealer as guarantee, the value of virtual credit number is determined by dealer, be equivalent to dealer and issued the virtual credit number that possesses certain values, between dealer, on the basis that transaction occurs based on virtual credit number, completed again the actual of pre-vending articles completed a business transaction.Method of commerce efficiency of the present invention is high, trading activity is free, is not subject to the restriction of real financial condition, the value of exchange intermediary not controlled by other people.
[brief description of the drawings]
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, to the accompanying drawing of the required use of embodiment be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is the block flowsheet schematic diagram of the method for commerce of virtual network credit number of the present invention.
[embodiment]
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiment.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtaining under creative work prerequisite, belong to the scope of protection of the invention.
The invention provides a kind of method of commerce based on virtual network credit number, it is the method for commerce occurring based on virtual credit number, this virtual credit number is to be the fixing number of dealer's configuration the virtual numerical value that can cut apart, as: in the present embodiment, for the virtual credit number of all dealer's configurations is 100.The value of virtual credit number embodies by the pricing information of the commodity of pre-sale, is equivalent to the guarantee that the pre-commodity of selling are worth as virtual credit number.The pre-commodity of selling are unrestricted, depend on dealer's decision completely, can be invisible service, true article, or real money; Also can be zero or even the commodity of negative value.
As shown in Figure 1, the method for commerce that the present invention is based on virtual network credit number comprises the following steps:
Step 1: obtain ID and virtual credit number
User obtains ID by registration, becomes dealer.This ID is the main body of carrying out commodity exchange and issuing virtual credit number, realizes the virtual credit number of distribution by configured the mode of the virtual credit number of certain number for each ID.Once dealer ID succeeds in registration, obtain the virtual credit number of fixing number, virtual credit number can be cut apart.In the present embodiment, the virtual credit number of all ID is 100, and still, the virtual credit number purchasing power difference of these each units of ID, is worth different.Relevant with the value of the pre-vending articles of fixing a price by virtual credit number, on the other hand, relevant with historical trading on the one hand, but, both sides' cognition when depending in essence transaction.
In the present embodiment, new ID must association and obtain the license of some existing ID after just can succeed in registration.New ID files an application to certain the existing ID with ID systematic function, female ID distributes 9 random digits to add female ID cyclic address change position identification code to sub-ID, and wherein position, end is numeral, when numeral is that odd number has the new ID function of generation, in the time that last figure is even number, do not there is the ID of generation function.Password is 8 bit digital and monogram, is set by dealer oneself.Like this, the address information recording of ID the mutual relationship of mothers and sons ID.The direction that provides a kind of information to transmit when follow-up information recording and checking.Obtain the coupling of ID address and password, can on corresponding terminal, open ID, enter operation.In the time that new ID is the ID proposition application for registration of even number to last figure, obtain the feedback that can not register.On this basis, set up addressing server, set up the corresponding relation between ID address and the pet name.Find certain ID and need first access this addressing server, find concrete ID by the pet name.
Step 2: dealer issues the information of pre-vending articles
When dealer issues the commodity of pre-sale, determine trade name and description, quantity, the unit price of marking the price with virtual credit number, issue the time limit etc.Be equivalent to fix a price with virtual credit number as pre-vending articles taking the unit price information of virtual credit number marked price, at this, the value of virtual credit number can be assured by pre-vending articles, the purchasing power of virtual credit number also can be determined by unit price information, certainly, the purchasing power of virtual credit number also depends on dealer both sides' cognition.
For example, it is the virtual credit number of 1 this ID that dealer A can issue RMB1000 unit marked price, meanwhile, also can issue a Samsung mobile phone and equal 1 virtual credit number of this ID.This means, when he ID obtains after 1 virtual credit number of dealer A by the virtual credit number exchange of this ID, can require unconditionally to obtain one of RMB1000 unit or this mobile phone from dealer A.
In the present embodiment, the pre-commodity RMB in this way selling of marked price, is equivalent to do once real currency guarantee for virtual credit number, has increased degree of belief.
Commodity amount provides the severability of pre-vending articles.In particular cases, in the time that total unit is one, this batch of commodity can only be by disposable purchase.Unconditionally complete a business transaction and can limitedly limit, also can limit without the time limit.
The pre-vending articles of issuing can be invisible service, true article, or real money; Also can be zero, zeroth order value commodity.
Trade name and description in the present embodiment, for saving storage space, set certain limitation, and example is set as being no more than 60 bytes.A kind of improvement project in the present embodiment is to set up special associated server, and the information of commodity is stored in to external server, sets up the link of descriptive labelling and external server herein, can obtain the more detailed information such as video, commodity sample from link.
Step 3: carry out virtual credit number exchange between dealer
Between dealer, carry out virtual credit number exchange, to obtain the virtual credit number of his ID of enough certain commodity of purchase.Exchange according to being according to certain exchange rate, and the value of definite virtual credit number according to both sides of the exchange rate or historical trading or both sides' cognition, the value of virtual credit number can be by the unit price information of pre-vending articles as with reference to foundation.
In the present embodiment, in the time of merchandise news that the dealer B person A that needs purchase-transaction issues, such as, 1 virtual credit number that mobile phone marked price is dealer A, be 1 virtual credit number that dealer B need to first obtain dealer A, dealer B can take the virtual credit number of oneself or third party transaction person's virtual credit number to go to exchange.If if on the shelf of dealer B, the commodity of its issue are that RMB980 unit equals 1 virtual credit number of dealer B.Virtual credit number of dealer A and the value approximately equal of dealer B, both sides, through consulting, have agreed to that dealer B exchanges a virtual credit number of dealer A by a virtual credit number.
Step 4: commodity are completed a business transaction;
As mentioned above, when dealer obtains according to certain exchange rate after the virtual credit number of he ID, propose to complete a business transaction after application (proposing buying behavior) to he ID again, his ID is by pre-vending articles shelf undercarriage and complete a business transaction to the other side, meanwhile, the virtual credit number of he ID is returned to the wallet of he ID oneself.As, in the present embodiment, dealer B obtains after a virtual credit number of dealer A, propose in order to complete a business transaction the above-mentioned mobile phone of dealer A, dealer A is unconditionally by mobile phone undercarriage and complete a business transaction the B to dealer, after both sides confirm, a virtual credit number before dealer A is from the wallet of dealer B is got back to the wallet of A.
Step 5: information recording and checking
Return and look into the mechanism of covering by broadcast breakpoint, guarantee that information recording is accurate.After trading activity completes, produce Transaction Information, both parties or in many ways (abbreviation counterparty ID) are broadcast to Transaction Information the ID group who is associated, then the ID that the ID being associated submits to aforementioned broadcast Transaction Information by the historical transactional information of this ID storage inside according to certain rule does once and checks, if discovery breakpoint, complete breakpoint and return and look into after covering, ID group and counterparty ID are just recorded in this ID inside by this Transaction Information, notify former counterparty ID to conclude the business.
Aforementioned Transaction Information comprises: commodity are issued, virtual credit number is exchanged, commodity are completed a business transaction etc.
The ID group who is associated comprises: same female ID, the ID that had historical trading, the selected ID paying close attention to of dealer, the chosen ID paying close attention to of dealer, the whole ID of system default.
Breakpoint returns looks into covering: if find in the ID of aforementioned broadcast Transaction Information, recording of certain ID in certain transaction record and the ID group that is labeled is inconsistent, be labeled as a breakpoint, then return and look into breakpoint both sides, count respectively the ID quantity that has consistent record, then cover the transaction record of the ID that quantity is few with the record of the many ID of quantity.
Describedly comprise according to certain rule the mode such as whole records, random selection portion member record of checking.
In the present embodiment, we select all ID under default situations is associated ID group, means, any transaction record is all forwarded to and in all ID, carries out record.When 3 ID collusions wherein, revise the historical transactional information of its record, to form wash sale record, when malice is raised the value of the virtual credit number of certain ID, return by aforesaid broadcast breakpoint the mechanism of covering of looking into, after broadcasting after the formation of New Transaction in any system, system all can require the ID broadcasting once to check, in the time finding that the historical transactional information of part ID record there are differences with the historical transactional information of associated ID self record, automatically return and look into, due to the ID number of collusion, do not reach the numeral of system half far away, therefore correct record is all the time in the maximum ID of quantity, then cover the error logging in less ID with correct record, ensure the accuracy of record.Complete after error correction, reinform the new transaction of former counterparty ID and complete, and record new transaction information.
The present invention also provides a kind of transaction system based on the spontaneous virtual credit number of dealer, and it comprises: ID generation module, virtual credit number storage and transaction modules, exchange module, shelf module and information recording and authentication module.
ID generation module, dealer's registration, generates ID account and password; ID account can openly inquire, and password is underground.Dealer can use ID account and password to realize and login.Once ID succeeds in registration, dealer obtains the virtual credit number that can cut apart of fixed qty.The virtual credit number that different I D obtains can be identical, also can be different.In the present embodiment, virtual credit number is 100.
In the present embodiment, ID has following scheme:
Scheme one is respectively to select address by user, and is set by the user password formation.Do not need in this case addressing server.Title can be any mark of player's account, inferior choosing access mobile phone port, pc port, IP address, phone number, email address, bank or third party's payment platform account, Web Community's account, ID (identity number) card No. and oneself setting etc.By ID, user on the network is marked, there is uniqueness.
Scheme two is generated at random by long number and monogram.Address can openly be inquired about, and password can not disclose.For ease of the use of system, can set up virtual addressing server, for translating actual address and the pet name.
Virtual credit number storage and transaction modules, the virtual credit number of storing and conclude the business, virtual credit number has comprised the virtual credit number of this ID of dealer and the virtual credit number of he ID, the present invention, virtual credit number storage and transaction modules are equivalent to wallet, can have the virtual credit number of this ID and the virtual credit number of he ID in wallet.The virtual credit number of he ID is got by transaction.
In the present embodiment, the virtual credit number that different I D obtains is all 100.Virtual credit number can infinitely be cut apart.The effect of the virtual credit number of this ID: exchange (being used for exchanging the virtual credit number of he ID), commodity are completed a business transaction (exchange to after he ID by the virtual credit number of this ID, he ID exchanges the commodity of the pre-sale of this ID by the virtual credit number of this ID), held (the virtual credit number that can hold his ID or this ID), are used for the commodity of pre-sale to mark the price.
Once it is the virtual credit number of commutative some that both sides confirm certain exchange rate, the virtual credit number in exchange wallet, and return and look into after covering mechanism by broadcast breakpoint, transaction is by system validation.The formation of the exchange rate: bargain and form by both parties.Both sides understand Reference Transactions record, the state of wallet and shelf, and reference rate, and description to commodity, comprise by phone, mail is linked up and is determined afterwards the exchange rate.Also can have influence on the formation of the exchange rate to preference and the urgent factor etc. of commodity.In particular cases, exchange the opposing party's currency if certain side is zeroth order lattice, can be regarded as the once payment of virtual credit number.
In the present embodiment, the process that Reference Transactions record the formation of the stroke exchange rate is: first and second have virtual credit number to exchange relation, and second and third has exchange relation, and we can form the exchange rate of the virtual credit number of first and the third virtual credit number.We are very naturally limited to this annexation the ID group's's (see above and state) who is marked scope.When having multi-path or repeatedly transaction, can form the different exchange rate time, we can be according to the preference of oneself, and select time is preferential recently, or trust path is preferential.
Shelf module, publishing commodity also completes and completes a business transaction commodity.Dealer is with the virtual credit number of this ID pre-vending articles of marking the price, and when he ID provides the virtual credit number of this ID of sufficient amount, proposes to complete a business transaction after application, by mutual consent, covers after checking through broadcast breakpoint, changes corresponding wallet and carousel data.Shelf module does not record the merchandise news that exchange is returned.
Information recording and authentication module
Record Transaction Information and return to look into by broadcast breakpoint and cover the machine-processed correctness of guaranteeing information recording.
In sum, the present invention utilizes network technology means to create a kind of not rare, cost free, without private interests, the convenient exchange intermediary that obtains: virtual credit number, solve the low efficiency problem of barter, and exchange intermediary is worth by user to be determined voluntarily.Advantage of the present invention is as follows:
Not rare: this exchange intermediary is that the virtual credit number of signing with ID is stored in each ID in electromagnetic recording mode, and shows with specific arithemetic unit.The ID of each registration will obtain the virtual credit number of signing in person of fixing number, therefore after being consumed, these virtual credit number (for example hoarded by other people, exit after transaction), dealer can be by the new ID of registration, and the virtual credit number of issuing new fixed qty with this is supported the transaction of oneself.
Cost free, conveniently obtains: because this exchange intermediary is a kind of electromagnetic recording in essence, storage and cost of transfer are all very low, as long as there is the place of internet access can obtain and memory transfer.
Without private interests: this exchange intermediary is to be issued by the ID that participates in commodity exchange, closing the transaction, virtual credit number is got back to wallet, and wealth can not rest in virtual credit number, is really embodied as the essence of transactional services.Issue the quantity of the virtual credit number limiting by not limiting ID registration and each ID oneself, realize the balance of inflation and deflation.
Safety: return and look into the mechanism of covering by aforementioned broadcast breakpoint, guarantee the accurate of transaction record.Because the ID that exceedes half can not be bribed in false record, it is accurate that the mechanism therefore covering by majority records, and record accurately means can generate the exchange rate accurately, correct credit record, transaction record.
Above to have applied specific case, principle of the present invention and embodiment are set forth, the explanation of above embodiment is just for helping to understand method of the present invention and core concept thereof; , for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention meanwhile.
Claims (8)
1. the method for commerce based on virtual network credit number, is characterized in that, comprises the following steps:
Step 1: dealer obtains virtual credit number;
Step 2: dealer issues the information of pre-vending articles, and pre-vending articles are fixed a price with virtual credit number;
Step 3: carry out virtual credit number transaction between dealer to get other people virtual credit number;
Step 4: dealer removes to buy other people the pre-commodity of selling with other people virtual credit number.
2. the method for commerce based on virtual network credit number according to claim 1, is characterized in that, also comprises: before step 1, dealer first obtains ID by registration, and each ID has configured the virtual credit number of certain number.
3. the method for commerce based on virtual network credit number according to claim 2, is characterized in that, new ID must association and obtain the license of some existing ID after just can succeed in registration.
4. the method for commerce based on virtual network credit number according to claim 2, it is characterized in that, also comprise: after the behavior of step 4 purchase-transaction completes, produce Transaction Information, both parties or in many ways Transaction Information is broadcast to the ID group who is associated, then the ID that the ID being associated submits to broadcast Transaction Information by the historical transactional information of its storage inside according to certain rule does once and checks, if discovery breakpoint, completing breakpoint returns and looks into after covering, ID group and both parties or in many ways just this Transaction Information is recorded in to this ID inside, notify both parties or in many ways concluded the business.
5. the method for commerce based on virtual network credit number according to claim 1, is characterized in that, the information of pre-vending articles comprises trade name, quantity, the unit price of virtual credit number marked price, issue time limit.
6. the method for commerce based on virtual network credit number according to claim 1, is characterized in that, between dealer, carries out virtual credit number transaction according to certain exchange rate.
7. the transaction system based on virtual network credit number, is characterized in that, comprising:
ID generation module, in order to dealer's registration, acquisition ID account and password;
Virtual credit number storage and transaction modules, the virtual credit number of storing and conclude the business;
Shelf module, for dealer's publishing commodity and complete and complete a business transaction commodity.
8. the transaction system based on virtual network credit number according to claim 7, is characterized in that, also comprises:
Information recording and authentication module, record Transaction Information and returned and looked into the machine-processed correctness of guaranteeing information recording of covering by broadcast breakpoint.
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| CN201410322546.9A CN104063829A (en) | 2014-07-02 | 2014-07-02 | Trading method based on online virtual credit points and system thereof |
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| CN201410322546.9A CN104063829A (en) | 2014-07-02 | 2014-07-02 | Trading method based on online virtual credit points and system thereof |
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| WO2016161959A1 (en) * | 2015-04-08 | 2016-10-13 | Vcoin Limited | System and method for facilitating virtual currency transaction |
| WO2017181436A1 (en) * | 2016-04-19 | 2017-10-26 | 山西特信环宇信息技术有限公司 | Object trading platform based on trade currency |
| WO2018010211A1 (en) * | 2016-07-13 | 2018-01-18 | 山西特信环宇信息技术有限公司 | Currency transaction application platform and method |
| CN112435090A (en) * | 2020-11-20 | 2021-03-02 | 合肥房朋信息科技有限公司 | Real estate stock checking system for real estate transaction |
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Application publication date: 20140924 |