CN104361520A - Wealth account establishing and wealth transaction implementation method - Google Patents
Wealth account establishing and wealth transaction implementation method Download PDFInfo
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- CN104361520A CN104361520A CN201410654126.0A CN201410654126A CN104361520A CN 104361520 A CN104361520 A CN 104361520A CN 201410654126 A CN201410654126 A CN 201410654126A CN 104361520 A CN104361520 A CN 104361520A
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- wealth
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Abstract
The invention provides a wealth account establishing and wealth transaction implementation method. The method includes the following steps that wealth accounts are opened for both parties of a buyer and a seller through a bank or other intermediary agents; the wealth account amount is provided for the buyer according to the deposit, money management, funds, trusts and other wealth assets of the buyer; the buyer buys commodities with the wealth account amount; the seller sells the commodities to the buyer; the buyer pays the equivalent wealth account amount to the seller; the seller applies for the fund from the bank or other intermediary agents after obtaining the amount; the bank or other intermediary agents pay(s) the fund to the seller in the format of loan or fee charging; the bank or other intermediary agents deduct(s) the equivalent wealth account amount owned by the seller, and the transaction is finished. By means of the wealth account establishing and wealth transaction implementation method, the wealth assets can be converted into the buying power, a new commodity transaction mode is provided, and the wealth account establishing and wealth transaction implementation method has the positive significance of releasing the consumption potentiality, promoting the consumption enlargement and upgrading, and driving economic development.
Description
Technical field
The present invention relates to and wealth assets are converted into the method that purchasing power realizes commodity transaction, is a kind of new payment transaction mode.
Background technology
At present, whole society's finance sense promotes, the wealth assets rapid developments such as financing, fund, trust.But commodity transaction is also confined to RMB transaction, the purchase power of the wealth assets such as financing, fund, trust cannot be given play to, therefore developed wealth transaction in assets, promote the transaction level of the whole society, propelling consumption is expanded and upgrading, promotes that economic upgrading synergy has positive meaning.
Summary of the invention
Technical matters to be solved by this invention is to provide the method for a kind of wealth transaction.For this reason, the present invention is by the following technical solutions: it comprises the following steps:
(1) bank (or other intermediaries) opens the step of wealth account for purchaser and seller both sides;
(2) bank (or other intermediaries) is according to the wealth assets such as deposit, financing, fund of purchaser in mechanism, for purchaser provides the step of wealth account amount;
(3) purchaser holds wealth account amount in the step of specifying merchant purchasing commodity;
(4) step of sales orientation purchaser vending articles;
(5) equivalent wealth account amount is paid the step of seller by purchaser;
(6) seller obtains after amount with the step of wealth account amount to bank (or other intermediaries) request for funds;
(7) bank (or other intermediaries) reduces the equivalent wealth account amount that seller is held, and completes the step of transaction.
In wealth transaction, bank (or other intermediaries) is as the credit intermediary of purchaser and seller, and for purchaser provides wealth account amount, purchaser can with wealth account amount purchase commodity.When purchaser does shopping, the corresponding amount of wealth account is given to designated sale side, seller obtains after amount with wealth account amount request for funds, bank (or other intermediaries) according to wealth account amount with fund or loan form to seller payment for goods, seller only needs to pay correlative charges or interest.Purchaser's wealth fund expires to give back bank's (or other intermediaries) fund or loan principal.
Accompanying drawing explanation
Fig. 1 is that wealth account of the present invention opens process flow diagram, with reference to accompanying drawing.It comprises the following steps:
(1) purchaser opens wealth account to bank (or other intermediaries) application;
(2) bank (or other intermediaries) authorizes purchaser's wealth account amount (wealth account trading fund according to the wealth assets (demand deposit, time deposit, financing, national debt, trust etc.) of purchaser, the same Renminbi of value of money), the wealth assets of purchaser are freezed, but the income freezing wealth assets is still enjoyed by purchaser simultaneously;
(3) wealth account is opened in sales orientation bank (or other intermediaries) application;
(4) bank (or other intermediaries) carries out title examination to seller, audits and opens wealth account by rear for it.
Fig. 2 is payment flow figure under wealth of the present invention transaction line, with reference to accompanying drawing.It comprises the following steps:
(1) purchaser buys commodity to seller place, and commodity are given purchaser by seller;
(2) purchaser pays wealth amount to seller;
(3) bank (or other intermediaries) according to the instruction of purchaser by amount from purchaser's wealth account transfer to seller wealth account;
(4) after seller receives amount, according to account amount to bank's (or other intermediaries) apply for loan or fund, while bank (or other intermediaries) offers loans (or payment fund), the corresponding amount of seller wealth account is reduced.
Fig. 3 is payment flow figure on wealth of the present invention transaction line, and with reference to accompanying drawing, it comprises the following steps:
(1) purchaser and seller are concluded the transaction purpose, sign a contract;
(2) purchaser based on contract the amount of money corresponding wealth amount is kept in bank (or other intermediaries);
(3) bank (or other intermediaries) informs that seller has received wealth amount;
(4) sales orientation purchaser sends goods;
(5) purchaser receives goods, confirm errorless after inform that bank (or other intermediaries) agrees to pay wealth amount;
(6) amount is paid seller wealth account according to the instruction of purchaser by bank (or other intermediaries);
(7) after seller receives amount, according to account amount to bank's (or other intermediaries) apply for loan or fund, while bank (or other intermediaries) offers loans (or payment fund), the corresponding amount of seller wealth account is reduced.
Embodiment
(1) bank (or other intermediaries) provides wealth account amount for purchaser, for seller is provided with funds, thus gets through wealth transaction channel, for both sides provide wealth transactional services;
(2) bank (or other intermediaries) opens wealth account according to the wealth assets (demand deposit, time deposit, financing, national debt, trust etc.) of purchaser for purchaser and authorizes purchaser's wealth account amount (wealth account trading fund, the same Renminbi of value of money), the wealth assets of purchaser are freezed, but the income freezing wealth assets is still enjoyed by purchaser simultaneously;
(3) bank (or other intermediaries) authorizes its wealth transaction qualification, for seller opens wealth account according to seller market reputation;
(4) according to the dealing money that purchaser and seller reach, corresponding wealth account amount is transferred accounts to seller by purchaser, and sales orientation purchaser provides commodity;
(5) seller with wealth account balance for foundation, to bank (or other intermediaries) request for funds, reduce the corresponding amount of seller wealth account while bank's (or other intermediaries) granting fund or loan, correlative charges or loan interest are paid by seller;
(6) purchaser freezes wealth assets and expires, and fund proceeds to bank (or other intermediaries), and fund income proceeds to purchaser's settlement account.Loan expires, and loan interest is closed by seller, and loan stops, closing the transaction;
(7) purchaser freezes wealth assets to after date, and as wealth account still has residue amount, as application amount is cancelled, corresponding fund proceeds to customer statement family by bank (or other intermediaries), and client's wealth account balance resets simultaneously.
In wealth mode of doing business, purchaser both can enjoy wealth return on assets, can realize again real-time shopping consumption.The wealth amount that seller is transferred the possession of with purchaser obtains fund, and only need to pay correlative charges or loan interest, capital of need not repaying the loan, loan principal freezes wealth assets by purchaser and gives back to after date.This kind of transaction has following advantage:
(1) realize the wealth assets such as purchaser's deposit, financing, national debt, fund, trust to have enough to meet the need flexibly, settle accounts, pay;
(2) can solve seller marketing problem, and sales fund arrives account in real time, use fund is without fear of an attack from the rear;
(3) seller obtains fund only needs to pay corresponding expense or interest, does not bear refund responsibility;
(4) improve purchaser's fund income, solve seller capital turnover difficulty;
(5) purchaser's shopping only needs to pay wealth amount, does not employ fund, thoroughly realizes first doing shopping paying the bill afterwards;
(6) commodity transaction between individual, enterprise is applicable to;
(7) (internet) commodity transaction on (face-to-face) transaction, line under being applicable to line.
Claims (11)
1. set up wealth account and realize the method for wealth transaction, it is characterized in that it comprises the step setting up wealth account, and further comprising the steps of:
(1), bank (or other intermediaries) opens the step of wealth account for purchaser and seller both sides;
(2), bank (or other intermediaries) according to the wealth assets such as deposit, financing, fund, trust of purchaser in mechanism, for purchaser provides the step of wealth account amount;
(3), purchaser holds wealth account amount buys step from commodity to seller;
(4), the step of sales orientation purchaser vending articles;
(5), equivalent wealth account amount is paid the step of seller by purchaser;
(6), seller obtains after amount with the step of wealth account amount to bank (or other intermediaries) request for funds;
(7), bank (or other intermediaries) reduces the equivalent wealth account amount that seller is held, and completes the step of transaction.
2. a kind ofly as claimed in claim 1 set up wealth account and realize the method for wealth transaction, under it is characterized in that both can be used for purchaser and seller line (face-to-face) conclude the business, also can be used for purchaser and seller and carry out (internet) on the net and conclude the business.
3. wealth method of commerce as claimed in claim 1 or 2, is characterized in that step (1) opens the mechanism of wealth account for purchaser and seller, comprises bank, Third-party payment company and other payment intermediaries.
4. as claimed in claim 1 a kind of set up wealth account and realize wealth transaction method, it is characterized in that in step (2), the wealth amount provided for purchaser is that the wealth assets size such as deposit, financing, fund, trust deposited in bank (or other intermediaries) according to purchaser authorizes corresponding amount, and amount is worth equivalent in currency.
5. simultaneously bank (or other intermediaries) is to the corresponding wealth freezing of assets of purchaser, and in freezing period, the income ownership purchaser of wealth assets, is frozen into after date, and fund corresponding to wealth assets transfers bank (or other intermediaries).
6. as claimed in claim 1 a kind of set up wealth account and realize wealth transaction method, it is characterized in that in step (3), seller and bank (or other intermediaries) set up cooperative relationship, and are authorized transaction qualification by bank (or other intermediaries).
7. as claimed in claim 1 a kind of set up wealth account and realize wealth transaction method, it is characterized in that in step (4), seller accepts purchaser and pays by wealth amount mode of doing business.
8. as claimed in claim 1 a kind of set up wealth account and realize wealth transaction method, it is characterized in that in step (5), the wealth account amount opened transferred accounts by the mode of transferring accounts in the wealth account opened in bank (or other intermediaries) to seller by purchaser in bank (or other intermediaries).
9. as claimed in claim 1 a kind of set up wealth account and realize wealth transaction method, it is characterized in that in step (6), seller with wealth account amount to bank (or other intermediaries) request for funds, bank (or other intermediaries) provides matching amount loan with the form of loan to seller according to the rich account amount of account, seller only needs payment on account of credit interest, and loan principal is repaid to the wealth assets of after date by purchaser.
10. bank (or other intermediaries) also can take the form of charging to disburse funds to seller after seller collects certain expense.
11. a kind ofly as claimed in claim 1 set up wealth account and realize the method for wealth transaction, it is characterized in that in step (7), after bank (or other intermediaries) disburses funds to seller, reduce the equivalent amount of seller wealth account simultaneously.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410654126.0A CN104361520A (en) | 2014-11-18 | 2014-11-18 | Wealth account establishing and wealth transaction implementation method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410654126.0A CN104361520A (en) | 2014-11-18 | 2014-11-18 | Wealth account establishing and wealth transaction implementation method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104361520A true CN104361520A (en) | 2015-02-18 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410654126.0A Pending CN104361520A (en) | 2014-11-18 | 2014-11-18 | Wealth account establishing and wealth transaction implementation method |
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| Country | Link |
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| CN (1) | CN104361520A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104680362A (en) * | 2015-03-04 | 2015-06-03 | 张威 | Method of using noble metal to go shopping through communication network |
| CN105260938A (en) * | 2015-10-28 | 2016-01-20 | 平安科技（深圳）有限公司 | Intelligent financial management method and device |
| CN107784495A (en) * | 2017-09-27 | 2018-03-09 | 信用空间（厦门）信息科技股份有限公司 | A kind of credit informal voucher and transaction platform |
| CN112529698A (en) * | 2020-12-25 | 2021-03-19 | 中钞信用卡产业发展有限公司杭州区块链技术研究院 | Method, device, equipment and storage medium for digital currency loan issue |
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| JP2000020625A (en) * | 1998-07-06 | 2000-01-21 | Ntt Data Corp | Electronic money system, multicurrency transaction method and record medium thereof |
| CN1521672A (en) * | 2003-01-30 | 2004-08-18 | 李凤芝 | Small amount payment system |
| CN1635529A (en) * | 2003-12-28 | 2005-07-06 | 杨若 | Remote shopping payment method |
| CN1741075A (en) * | 2005-04-25 | 2006-03-01 | 崔福 | 'Information consumption' personal account |
| CN101000675A (en) * | 2006-12-30 | 2007-07-18 | 上海实诺信息技术有限公司 | Electronic transaction method and transaction platform system |
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2014
- 2014-11-18 CN CN201410654126.0A patent/CN104361520A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2000020625A (en) * | 1998-07-06 | 2000-01-21 | Ntt Data Corp | Electronic money system, multicurrency transaction method and record medium thereof |
| CN1521672A (en) * | 2003-01-30 | 2004-08-18 | 李凤芝 | Small amount payment system |
| CN1635529A (en) * | 2003-12-28 | 2005-07-06 | 杨若 | Remote shopping payment method |
| CN1741075A (en) * | 2005-04-25 | 2006-03-01 | 崔福 | 'Information consumption' personal account |
| CN101000675A (en) * | 2006-12-30 | 2007-07-18 | 上海实诺信息技术有限公司 | Electronic transaction method and transaction platform system |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104680362A (en) * | 2015-03-04 | 2015-06-03 | 张威 | Method of using noble metal to go shopping through communication network |
| CN105260938A (en) * | 2015-10-28 | 2016-01-20 | 平安科技（深圳）有限公司 | Intelligent financial management method and device |
| CN107784495A (en) * | 2017-09-27 | 2018-03-09 | 信用空间（厦门）信息科技股份有限公司 | A kind of credit informal voucher and transaction platform |
| CN112529698A (en) * | 2020-12-25 | 2021-03-19 | 中钞信用卡产业发展有限公司杭州区块链技术研究院 | Method, device, equipment and storage medium for digital currency loan issue |
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Application publication date: 20150218 |
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