CN104867045A - Trading system for customizing divided payments by user, and trading method thereof - Google Patents
Trading system for customizing divided payments by user, and trading method thereof Download PDFInfo
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- CN104867045A CN104867045A CN201510215953.4A CN201510215953A CN104867045A CN 104867045 A CN104867045 A CN 104867045A CN 201510215953 A CN201510215953 A CN 201510215953A CN 104867045 A CN104867045 A CN 104867045A
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Abstract
The invention discloses a trading system for customizing divided payments by a user, wherein a servo end receives commodity data and divided payment data which are transmitted by a seller, and buyer credit data and ordering data which are transmitted by a buyer. The servo end combines the data which are transmitted by the buyer and the seller, and transmits trading protocol data to the buyer and the seller. Therefore, the seller can acquire data of divided payments which are selected by the buyer, and the buyer performs divided payments according to the content of the trading protocol data.
Description
Technical field
The present invention relates to computer network communication field, particularly relate to a kind of user and make serial transaction system and method for commerce by oneself, wherein sell and can make monthly payment plan data by oneself, the buyer then selects suitable monthly payment plan data to pay the fees.
Background technology
Along with the progress of computing machine science and technology, bring the upper many facilities of human lives.Add the flourish of ecommerce, many commodity or service content, all can pass through electronic trade platform (electronic trading platform) and carry out trade deal.Ecommerce (electronic commerce) or electronic transaction, refer to that enterprise or businessman provide a quick and efficient transaction platform, the client of enterprise or ordinary consumer can be concluded the business through this transaction platform, buy commodity or other service items.
Such electronic transaction mode also expands to interindividual trading activity at leisure, that is the trade mode of consumer to consumer (customer-to-customer, or C2C).Except the seller of transaction and the buyer, also need to be dependent on the electronic trade platform that the third party service provider provides, such as, PCHOME, eBay and Taobao etc.
In general, commodity (products) or service item (service) can first be sent on the electronic trade platform that the third party service provider provides by the seller, such as, on fair (marketplace) website.The buyer then can browse and directly click the commodity on electronic trade platform, and selects payment and method of shipment, and wherein Payment Methods can be payment in full (pay in full) or monthly payment plan (pay in installments).
If the buyer selects installment payment, then need, according to the monthly payment plan scheme (installment payment plan) that website provides, to select issue (installments) by stages.Existing serial trade mode, represents by the third party service provider both parties to sign letter of consent (agreement) from similar loan to third party financial institution (such as, bank) usually.Third party financial institution by the overall consumption amount of money to paying the seller, and can collect each issue remittance for the proceeds, interest or service charge according to the issue by stages that the buyer selects to the buyer.
Although above-mentioned serial mode of doing business is extensively accepted by the public, but often need the extra interest of payment or service charge to third party financial institution concerning the buyer, virtually will increase the real price of commodity.Even if agree to buyer's payable by installment in addition concerning the seller, also extra profit cannot be obtained.
Summary of the invention
In view of this, fundamental purpose of the present invention is to provide a kind of user to make serial transaction system and method for commerce by oneself, be applicable to a C2C electronic trade platform, wherein selling can the multiple monthly payment plan scheme of self-defining, and the buyer can select suitable monthly payment plan scheme when the free choice of goods simultaneously, server-side then can transmit trade agreement data to the buyer and the seller after receiving the subscription data of the buyer.The buyer, according to the monthly payment plan scheme of trade agreement data, carries out the action of paying the bill, the service charge of the wherein buyer's each issue payment be direct payment to the seller, instead of collected between two parties by third party financial institution, the seller can therefrom obtain extra profit by this.In addition the profit of part also can be fed back to the buyer by the seller, and the buyer like this and the seller all can therefrom make a profit, and can avoid the exploitation of third party Jin Rong mechanism.
For achieving the above object, technical scheme of the present invention is achieved in that
A kind of user makes serial transaction system by oneself, comprising: at least one first electronic installation, in order to produce a commodity data and monthly payment plan data; At least one second electronic device, in order to produce buyer credit data; And a server-side, receive and store the buyer credit data that the commodity data that transmits of the first electronic installation and monthly payment plan data and second electronic device transmit, wherein second electronic device transmits a subscription data to server-side, server-side then matchmaker closes the subscription data of second electronic device and the monthly payment plan data of the first electronic installation and commodity data, and transmits trade agreement data to the first electronic installation and second electronic device.
In addition, the present invention also provides a kind of user to make serial method of commerce by oneself, comprises the following steps: that a server-side receives at least one commodity data and at least one monthly payment plan data that at least one seller transmits; Server-side receives at least one buyer credit data and at least one subscription data that at least one buyer transmits; Server-side matchmaker closes the commodity data and monthly payment plan data and the subscription data that transmits of the buyer that the seller transmits; And server-side transmits trade agreement data to the buyer and the seller.
In transaction system one embodiment of the present invention, wherein buyer credit data comprise address, e-mail address, telephone number, community network account, personal status card number, bank account, income data, deposit data, credit score or credit comparation and assessment.
In transaction system one embodiment of the present invention, data of wherein paying by instalments comprise serial issue, the amount of money, down payment or service charge.
In transaction system one embodiment of the present invention, wherein trade agreement data are the file data with legal restraint effect.
In transaction system one embodiment of the present invention, wherein the first electronic installation transmits a credit grade requirement to server-side, and server-side comparison buyer credit data and credit grade requirement.
In transaction system one embodiment of the present invention, wherein the first electronic installation transmits a vendor credit data to server-side.
In transaction system one embodiment of the present invention, wherein vendor credit data comprise address, e-mail address, telephone number, community network account, personal status card number, bank account, income data, deposit data, credit score or credit comparation and assessment.
In method of commerce one embodiment of the present invention, further comprising the steps of: the buyer credit data that the server-side examination & verification buyer transmits.
In method of commerce one embodiment of the present invention, further comprising the steps of: the seller transmits a vendor credit data to server-side.
In method of commerce one embodiment of the present invention, further comprising the steps of: server-side receives the credit grade requirement that the seller transmits, and comparison buyer credit data and credit grade requirement.
User provided by the invention makes serial transaction system and method for commerce by oneself, be applicable to a C2C electronic trade platform, wherein the buyer and the seller can transmit credit data to server-side when first use, server-side then can store and audit confidence level and the correctness of credit data, by this to ensure the rights and interests of the buyer and the seller, and reduce issuable risk.
Accompanying drawing explanation
Fig. 1 is the square connection diagram that user of the present invention makes serial transaction system one embodiment by oneself.
Fig. 2 is the steps flow chart schematic diagram that user of the present invention makes serial method of commerce one embodiment by oneself.
[primary clustering symbol description]
10 transaction system 11 first electronic installations
13 second electronic device 15 server-sides.
Embodiment
Below in conjunction with accompanying drawing and embodiments of the invention, transaction system of the present invention and method are described in further detail.
Structural principle of the present invention and principle of work are described in detail:
In this instructions and follow-up claim, " coupling " and " connection " one word comprise directly any and indirectly connect or electric connection means.Therefore, if describe a first device in literary composition to be connected to one second device, then represent first device and can be directly connected in the second device, or indirectly connect the second device through other devices or connection means.
Refer to Fig. 1, for user of the present invention makes the square connection diagram of serial transaction system one embodiment by oneself.As shown in Figure 1, transaction system 10 of the present invention can be applicable to a C2C electronic trade platform, mainly comprise at least one first electronic installation 11, at least one second electronic device 13 and a server-side 15, wherein the first electronic installation 11 and second electronic device 13 can be connected with server-side 15 or online, make the first electronic installation 11 and second electronic device 13 can carry out data transmission with server-side 15.Such as the first electronic installation 11 and second electronic device 13 are through Internet connection server-side 15, and carry out data transmission through the Internet and server-side 15.
First electronic installation 11 of the present invention and second electronic device 13 can be the electronic products such as computing machine, notebook computer, flat computer, mobile phone or intelligent mobile phone, user (buyer or the seller) can pass through the data that the first electronic installation 11 and/or second electronic device 13 browse server-side 15, also can pass through the first electronic installation 11 and second electronic device 13 inputs data, and data are sent to server-side 15.In addition the first electronic installation 11 and second electronic device 13 also can stored user input data, or store server-side 15 transmit data.
In an embodiment of the present invention, first electronic installation 11 can be the seller, such as sell and can operate the first electronic installation 11, and produce a commodity data and monthly payment plan data, input or the commodity data produced and data of paying by instalments then are sent to server-side 15 by the first electronic installation 11.Data of such as paying by instalments can comprise the data such as serial issue, the amount of money, down payment or service charge, and commodity data can be then trade name, commodity photo, commodity brief introduction or commodity price.When practical application, the seller can pass through the first electronic installation 11 and transmits multiple commodity data to server-side 15, and the monthly payment plan data corresponding to each commodity data in addition also can be multiple.
Server-side 15 is in order to receive and to store the commodity data that transmits of the first electronic installation 11 and monthly payment plan data, such as server-side 15 can be electronic trade platform, and the commodity data of storage and monthly payment plan data are presented on electronic trade platform, the buyer then can pass through second electronic device 13 and browses or search commodity on electronic trade platform or service item.When the buyer is interested in certain commodity, service content and/or monthly payment plan data, can place an order transaction.
The seller is when using for the first time, vendor credit data can be inputted the first electronic installation 11, and through the first electronic installation 11, the vendor credit data of input being sent to server-side 15, such as vendor credit data comprises address, e-mail address, telephone number, community network account, personal status's card number, bank account, income data, deposit data, credit score (credit scores) or credit comparation and assessment (credit rating) etc.After vendor credit data is sent to server-side 15 by the seller, exclusive account and password can be set up further at server-side 15, wherein the account of the seller can be but not be confined to one of them of vendor credit data, such as e-mail address, telephone number, community network account or personal status's card number.The seller only needs, through the first electronic installation 11, account and password are sent to server-side 15 afterwards, just can enter server-side 15 and check or change commodity data and monthly payment plan data, or through the first electronic installation 11, other commodity data and monthly payment plan data being sent to server-side 15.
In an embodiment of the present invention, second electronic device 13 can be the buyer, the buyer can pass through second electronic device 13 when first use and produces buyer credit data, and through second electronic device 13, the buyer credit data of input or generation being sent to server-side 15, server-side 15 then can store buyer credit data.Second electronic device 13 is sent to the buyer credit data of server-side 15 mainly in order to prove the credit of the buyer, such as buyer credit data can comprise address, e-mail address, telephone number, community network account, personal status card number, bank account, income data, deposit data, credit card number, by means of posting card card number, Third-party payment account, credit score or credit comparation and assessment etc.
Server-side 15 can receive and store the buyer credit data that second electronic device 13 transmits, certain server-side 15 also can audit buyer credit data and/or seller's credit information further, to reduce the transaction risk of the buyer and the seller, such as server-side 15 tentatively can inspect buyer credit data and/or whether seller's credit information is correct, or confirms the credit situation of the buyer and/or the seller to bank or relevant mechanism.
After buyer credit data are sent to server-side 15 by the buyer, exclusive account and password can be set up further at server-side 15, wherein the account of the buyer can be but not be confined to one of them of buyer credit data, such as e-mail address, telephone number, community network account or personal status's card number.The buyer only needs, through second electronic device 13, account and password are sent to server-side 15 afterwards, just can complete the action of logining.
When practical application, the buyer can pass through second electronic device 13 and browses the commodity data on server-side 15 and data of paying by instalments.When the buyer is for choosing the commodity on server-side 15, not needing again to input buyer credit data, only needing to input account with password through second electronic device 13, just can proceed follow-up to choose step.In addition when the vendor credit data that the seller is supplied to server-side 15 comprises address date, the buyer can pass through the address date that second electronic device 13 learns the seller, such as, can indicate the geographic position of the seller on the finder of second electronic device 13 or mapping program.
After the buyer confirms the free choice of goods, can pass through second electronic device 13 and transmit a subscription data to server-side 15.Subscription data can comprise the commodity data of the buyer for order and the monthly payment plan data of selection, the single commodity data that the such as seller provides may have multiple different monthly payment plan data, the buyer then can select wherein a kind of monthly payment plan data according to the demand of itself, and carries out the action of residual with the monthly payment plan data being applicable to oneself.When practical application, the monthly payment plan data that the seller provides can comprise different serial issue, the amount of money, down payment or service charge etc.
Server-side 15 is after the subscription data receiving second electronic device 13 transmission, matchmaker will close the subscription data of second electronic device 13 and the monthly payment plan data of the first electronic installation 11 and commodity data further, and transmit trade agreement data to the first electronic installation 11 and second electronic device 13.
The seller can pass through the trade agreement data that the first electronic installation 11 receives server-side 15 transmission, by this to confirm that commodity are chosen, and learns the monthly payment plan data that the buyer selects.The buyer then can pass through second electronic device 13 and receives trade agreement data, and carries out follow-up payment action according to monthly payment plan data, and the such as buyer can pass through credit card, the Internet bank or Automatic Teller Machine and completes payment action.
In an embodiment of the present invention, the right buyer and the seller are after receiving trade agreement data, also the content agreeing to trade agreement data can be confirmed whether further, such as when the content of trade agreement data is wrong, the buyer and/or the seller can select different meaning trade agreement data, or when the commodity amount of the seller is not enough, different meaning trade agreement data also can be selected.After the buyer and the seller all agree to and return the message agreeing to trade agreement data, the content of trade agreement data just can be formally effective.
The trade agreement data that server-side 15 provides can be the transaction letters of consent with legal restraint effect, which includes the content of monthly payment plan data and both parties' confirmation transaction.In addition server-side 15 more can provide the basic insurance project that both parties are agreed to, or providing both parties to buy ensures serial extra coverage project, to reduce the issuable loss of both parties.
Above-mentioned Payment Methods can divide into online payment mode and off line payment mode further.So-called online payment mode refers to, the buyer can pass through second electronic device 13 is learnt seller remittance account data by server-side 15, or transmit remittance data to second electronic device 13 by server-side 15 through Email or news in brief, the action that the buyer can carry out paying the bill according to account data of remitting money.In addition, so-called off line payment mode then refers to, server-side 15 can set up the link of seller parties website, such as webpage link or quick response matrix code (QR code), the buyer then can pass through second electronic device 13 and clicks or scan link, parallel machine to payment website to complete the action of payment.
In an embodiment of the present invention, the seller can pass through the first electronic installation 11 transmit one credit grade require to server-side 15, server-side 15 then can further comparison first electronic installation 11 transmit credit grade require and second electronic device 13 transmission buyer credit data.When the credit grade that buyer credit data fit first electronic installation 11 that second electronic device 13 transmits transmits requires, the buyer can cross first electronic installation 11 free choice of goods.The such as seller requires to comprise address, e-mail address, telephone number, community network account, personal status's card number, bank account, income data, deposit data, credit score or credit comparation and assessment etc. through the credit grade that the first electronic installation 11 is sent to server-side 15.If the credit grade of such as seller's setting requires to include telephone number and personal status's card number, and when the buyer credit data that the buyer provides do not comprise telephone number and personal status's card of credit grade requirement, the buyer just cannot carry out follow-up purchase action.The action that above-mentioned comparison buyer credit data and credit grade require mainly is undertaken by server-side 15, and buyer credit data can not be supplied to the seller by server-side 15, can avoid the personal information revealing the buyer.
Because commodity data, monthly payment plan data, credit grade, vendor credit data and buyer credit data are confidential data, therefore, before commodity data, monthly payment plan data, credit grade and/or vendor credit data are sent to server-side 15 by the first electronic installation 11, commodity data, monthly payment plan data, credit grade and/or seller's credit information can be encrypted in advance.And before buyer credit data are sent to server-side 15 by second electronic device 13, also can encrypt buyer credit data in advance.
In an embodiment of the present invention, server-side 15 can be electronic trade platform, and can be applicable to C2C electronic trade platform, and the mode that wherein both parties can pass through competitive bidding carries out auction trade.The such as seller is except making monthly payment plan data by oneself, also the upset price of auction goods, competitive bidding increment and competitive bidding time limit can be made by oneself, the electronic trade platform that the buyer then can pass through server-side 15 browses commodity or service item, and determines the increment of whether carrying out competitive bidding and competitive bidding.
Convenience during in order to illustrate, the present invention is mainly using first electronic installation 11, second electronic device 13 and server-side 15 as the embodiment illustrated, but the first electronic installation 11, second electronic device 13 and server-side 15 also can be multiple when practical application.
Refer to Fig. 2, for user of the present invention makes the steps flow chart schematic diagram of serial method of commerce one embodiment by oneself.As shown in the figure, and please refer to Fig. 1, method of commerce of the present invention mainly comprises a buyer, a seller and a server-side 15, wherein the seller to can pass through the first electronic installation 11 server-side 15 online, it is online with server-side 15 that the buyer then can pass through second electronic device 13.
Server-side 15 can in order to receive at least one commodity data and at least one monthly payment plan data that at least one seller transmits, as shown in step 21.Data of such as paying by instalments can comprise the data such as serial issue, the amount of money, down payment or service charge, and commodity data can be then trade name, commodity photo, commodity brief introduction or commodity price.Server-side 15 can store commodity data and the monthly payment plan data of reception, and such as server-side 15 can be electronic trade platform, and the commodity data of reception and monthly payment plan data can be presented at electronic trade platform.
When the seller is when using for the first time, vendor credit data can be sent to server-side 15, such as vendor credit data comprises address, e-mail address, telephone number, community network account, personal status's card number, bank account, income data, deposit data, credit score or credit comparation and assessment etc., and sets up exclusive account and password at server-side 15.The seller only needs account and password to be sent to server-side 15 afterwards, just can enter server-side 15 to check or to change commodity data and monthly payment plan data, or other commodity data and monthly payment plan data are sent to server-side 15.
Buyer credit data, when using for the first time, can be sent to server-side 15 by the buyer, and server-side 15 then can receive and store the buyer credit data that the buyer transmits, and sets up exclusive account and password at server-side 15.Buyer credit data mainly in order to prove the credit standing of the buyer, such as buyer credit data can comprise address, e-mail address, telephone number, community network account, personal status card number, income data, deposit data, credit card number, by means of posting card card number, Third-party payment account, credit score or credit comparation and assessment etc.Afterwards, the buyer just can pass through account and server-side 15 logined by password, and browses commodity data and the monthly payment plan data of server-side 15.If when the buyer is for buying the commodity shown by server 15, then can transmit a subscription data further to server-side, wherein subscription data can comprise monthly payment plan data and the commodity data of buyer's selection, as shown in step 23.
Single the commodity data of the seller may comprise multiple different monthly payment plan data in an embodiment of the present invention, such as each monthly payment plan data have different serial issue, the amount of money, down payment or service charge etc. respectively, and the buyer can select oneself monthly payment plan data applicable simultaneously when the free choice of goods.In addition the buyer is sent in the subscription data of server-side 15, can comprise the wherein a kind of monthly payment plan data selected by commodity data and the buyer.
In an embodiment of the present invention, server-side 15 is after the vendor credit data of the buyer credit data and/or seller's transmission that receive buyer's transmission, buyer credit data and/or vendor credit data can be audited further, with confirm the buyer credit data that the buyer and/or the seller provide and/or vendor credit data whether correct or credible, the buyer credit data that such as server-side 15 can provide according to the buyer, the credit standing of the buyer is inquired about to banker, to guarantee that the buyer can pay the price of load commodity, and reduce the risk that the seller peddles commodity, as shown in step 25.
In an alternative embodiment of the invention, the seller also can provide credit grade to require to server-side 15, server-side 15 then can the credit grade that provides of the comparison seller requires and the buyer provides buyer credit data, and judge the credit grade requirement whether buyer credit data that the buyer provides meet the seller and provide.
Server-side 15, after receiving the subscription data that the buyer transmits, further matchmaker can close the commodity data and monthly payment plan data and the subscription data that transmits of the buyer that the seller transmits, as indicated at step 27.Such as server-side 15 can the commodity data selected of the comparison buyer and monthly payment plan data and the commodity data that provides of the seller and monthly payment plan data, to confirm the correctness buying and selling data.
After server-side 15 completes matchmaker's conjunction, just can transmit trade agreement data to the buyer and the seller, as shown in step 29.The trade agreement data that server-side 15 provides can be the transaction letters of consent with legal restraint effect, which includes the content of monthly payment plan data and both parties' confirmation transaction.
Because commodity data, monthly payment plan data, credit grade, vendor credit data and buyer credit data are confidential data, therefore, before transmission commodity data, monthly payment plan data, credit grade, vendor credit data and/or buyer credit data, commodity data, monthly payment plan data, credit grade, vendor credit data and/or buyer credit data can be encrypted in advance.
Through transaction system of the present invention and method of commerce, the buyer and the seller can pass through electronic installation and are online to server-side, and directly select commodity and installment payment through server-side.In addition the buyer pays by instalments in the process of the seller, does not need to carry out serial action through the 3rd financial institution, therefore can avoid both parties in the process of transaction, be subject to the exploitation of the 3rd financial institution.
Although embodiments of the invention disclose as mentioned above, so and be not used to limit scope of the present invention, meanwhile, term mentioned in instructions is in order to the technology contents disclosed by clearer description the present invention and be convenient to illustrate, is also not used to limit content of the present invention.Therefore, scope of patent protection of the present invention still must be as the criterion depending on the claim person of defining appended by this instructions.
The above, be only preferred embodiment of the present invention, be not intended to limit protection scope of the present invention.
Claims (13)
1. user makes a serial transaction system by oneself, it is characterized in that, comprising:
At least one first electronic installation, in order to produce a commodity data and monthly payment plan data;
At least one second electronic device, in order to produce buyer credit data; And
One server-side, receive and store this commodity data and this monthly payment plan data that this first electronic installation transmits and these buyer credit data that this second electronic device transmits, wherein this second electronic device transmits a subscription data to this server-side, this server-side then matchmaker closes the subscription data of this second electronic device and the monthly payment plan data of this first electronic installation and commodity data, and transmits trade agreement data to this first electronic installation and this second electronic device.
2. user makes serial transaction system by oneself as claimed in claim 1, it is characterized in that, wherein these buyer credit data comprise address, e-mail address, telephone number, community network account, personal status card number, bank account, income data, deposit data, credit card number, debit card card number, Third-party payment account, credit score or credit comparation and assessment.
3. user makes serial transaction system by oneself as claimed in claim 1, it is characterized in that, wherein these monthly payment plan data comprise serial issue, the amount of money, down payment or service charge.
4. user makes serial transaction system by oneself as claimed in claim 1, it is characterized in that, wherein these trade agreement data are the file data with legal restraint effect.
5. user makes serial transaction system by oneself as claimed in claim 1, it is characterized in that, wherein this first electronic installation transmits a credit grade requirement to this server-side, and these buyer credit data of this server-side comparison and this credit grade requirement.
6. user makes serial transaction system by oneself as claimed in claim 1, it is characterized in that, wherein this first electronic installation transmits a vendor credit data to this server-side.
7. user makes serial transaction system by oneself as claimed in claim 6, it is characterized in that, wherein this vendor credit data comprise address, e-mail address, telephone number, community network account, personal status card number, bank account, income data, deposit data, credit score or credit comparation and assessment.
8. user makes serial transaction system by oneself as claimed in claim 6, it is characterized in that, wherein this first electronic installation encrypts this commodity data, these monthly payment plan data and this vendor credit data, and this second electronic device encrypts this buyer credit data.
9. user makes a serial method of commerce by oneself, it is characterized in that, comprises the following steps:
One server-side receives at least one commodity data and at least one monthly payment plan data that at least one seller transmits;
This server-side receives at least one buyer credit data and at least one subscription data that at least one buyer transmits;
This server-side matchmaker closes the commodity data and monthly payment plan data and the subscription data that transmits of this buyer that this seller transmits; And
This server-side transmits trade agreement data to this buyer and this seller.
10. user makes serial method of commerce by oneself as claimed in claim 9, it is characterized in that, further comprising the steps of: this server-side audits these buyer credit data that this buyer transmits.
11. as claimed in claim 9 user make serial method of commerce by oneself, it is characterized in that, further comprising the steps of: this seller transmits a vendor credit data to this server-side.
12. as claimed in claim 9 user make serial method of commerce by oneself, characterized by further comprising following steps: this server-side receives the credit grade requirement that this seller transmits, and these buyer credit data of comparison and this credit grade requirement.
13. as described in claim 9 user make serial method of commerce by oneself, it is characterized in that, further comprising the steps of: this first electronic installation encrypts this commodity data, these monthly payment plan data and this vendor credit data, and this second electronic device encrypts this buyer credit data.
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| CN201510215953.4A CN104867045A (en) | 2015-04-30 | 2015-04-30 | Trading system for customizing divided payments by user, and trading method thereof |
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| CN201510215953.4A CN104867045A (en) | 2015-04-30 | 2015-04-30 | Trading system for customizing divided payments by user, and trading method thereof |
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| CN107809449A (en) * | 2016-09-09 | 2018-03-16 | 腾讯科技（深圳）有限公司 | Transaction control method and device |
| CN107809449B (en) * | 2016-09-09 | 2020-04-21 | 腾讯科技（深圳）有限公司 | Transaction control method and device |
| CN106408413A (en) * | 2016-09-23 | 2017-02-15 | 快睿登信息科技（上海）有限公司 | Multi-cycle installment decision making method and system |
| CN106557921A (en) * | 2016-11-30 | 2017-04-05 | 广州市万表科技股份有限公司 | On-line payment method and device |
| CN106952087A (en) * | 2017-03-23 | 2017-07-14 | 上海族蚂信息科技有限公司 | A kind of online user's data time-division processing system and method |
| WO2019052113A1 (en) * | 2017-09-14 | 2019-03-21 | 平安科技（深圳）有限公司 | Insurance expense payment method and apparatus, terminal device and medium |
| CN108256996A (en) * | 2018-02-13 | 2018-07-06 | 平安科技（深圳）有限公司 | For the single method and system of two partition in credit repaying business |
| CN111582855A (en) * | 2020-05-08 | 2020-08-25 | 支付宝(杭州)信息技术有限公司 | Data processing method and device |
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