CN105160565A - Account management and control method and transaction platform - Google Patents
Account management and control method and transaction platform Download PDFInfo
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- CN105160565A CN105160565A CN201510381341.2A CN201510381341A CN105160565A CN 105160565 A CN105160565 A CN 105160565A CN 201510381341 A CN201510381341 A CN 201510381341A CN 105160565 A CN105160565 A CN 105160565A
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Abstract
The invention discloses an account management and control method and a transaction platform, belongs to the technical field of electronic commerce, and solves a technical problem that the fund transfer among orders of a plurality of stages cannot be carried out safely and conveniently in the prior art. The method comprises the steps that a primary supplier common account deposits advance payment in a primary supplier virtual account; a platform account deposits a financing fund into the primary supplier virtual account, wherein the advance payment and the financing fund come to a total fund; the transaction platform enables the total fund to be transferred into a secondary supplier virtual account from the primary supplier virtual account; the transaction platform enables the total fund to be transferred into a secondary supplier common account from the secondary supplier virtual account after a purchasing side guarantees the transaction; the purchasing side deposits a transaction fund into the primary supplier virtual account; the transaction platform deducts a fund, which needs to be deducted, from the transaction fund, and deposits the fund into a platform account; and the transaction platform enables the remaining transaction fund to be transferred into the primary supplier common account.
Description
Technical field
The present invention relates to technical field of electronic commerce, specifically, relate to a kind of account management-control method and transaction platform.
Background technology
Ecommerce is a kind of novel business model of being carried out barter and transfer of financial resources by the network communications technology.Ecommerce is the product that technical development of computer and internet are popularized on a large scale in all trades and professions, and it shows huge advantage and vitality to people.Can be reduced the production cost of commodity by ecommerce, enterprise also can serve rapidly, easily for client provides, simultaneously also can the intermediate links of scientific and effective minimizing commodity, and can understand the dynamic of consumer rapidly.Ecommerce is to IT, finance and the development of logistics ground also can play good induced effect, ecommerce not only facilitates the development of a lot of new industry, also directly results in being surging forward of electronic service industry, along with country, the dependence of enterprises and individuals to ecommerce strengthens gradually, in the outsourcing service of infotech, the aspects such as the outsourcing service of operation flow and the transactional services of ecommerce emerge a lot of E-business service business gradually, they are mainly by providing corresponding service and product, meet country, enterprise and individual are in the E-business service demand of different field.
The current information industry development of China is abnormal swift and violent, and ecommerce is key content wherein.For most enterprise, ecommerce becomes the new ant algorithms that enterprise effectively operates, and becomes the new opportunities of enterprise development.Ecommerce with its brand-new operating mode, effectively enhances the cooperation between enterprise to enterprise, improves the competitive strategy between enterprise simultaneously.The center of gravity of enterprise operation, from the development of initial emphasis capital assets, to emphasis technology, fund, then to the emphasis human resources of today, is the impact receiving market overall situation development, also facilitates the development of market economy simultaneously conversely.And ecommerce is based upon a kind of operation innovation on Internet technology depth development and practice, its main Heterosis information and resource shared generation efficient, accurately with in the lifting of value.
At present, often there will be the online trading pattern of multistage order between the buying sides such as colleges and universities and enterprise, under this kind of trade mode, need to solve the provide financing services relation between the above order of two-stage.But the transaction of the e-business networks such as existing B2B, B2C or E-business Software uses Third-party payment, can not carry out safety, funds transfer easily between multistage order.
Summary of the invention
The object of the present invention is to provide a kind of account management-control method and transaction platform, to solve the technical matters that prior art can not carry out safety, funds transfer easily between multistage order.
The invention provides a kind of account management-control method, by transaction platform management and control buying side, transaction between elementary supplier and secondary supplier, described account management-control method comprises:
Elementary supplier regular account to elementary supplier virtual account stored in payment in advance;
Platform account is to elementary supplier virtual account stored in financing money, and described payment in advance and described financing money add up to conjunction volume money;
Described conjunction volume money is proceeded to secondary supplier virtual account from elementary supplier virtual account by transaction platform;
After the guarantee transaction of the side of buying, described conjunction volume money is proceeded to secondary supplier regular account from secondary supplier virtual account by transaction platform;
The buying elementary supplier in direction virtual account is stored in transaction money;
Transaction platform is taken off and should be withholdd from described transaction money, and stored in platform account;
Remaining transaction money is proceeded to elementary supplier regular account by transaction platform.
Preferably, the described elementary supplier in buying direction virtual account, stored in transaction money, is specially:
The side's of buying regular account to buying side's virtual account stored in transaction money;
The side's of buying virtual account to elementary supplier virtual account stored in described transaction money.
Or the described elementary supplier in buying direction virtual account, stored in transaction money, is specially:
The side's of buying regular account to elementary supplier virtual account stored in transaction money.
Further, management-control method also comprises the account:
Platform account proceeds to award money to elementary supplier regular account.
Further, described should withholing comprises former financing money and interest.
Preferably, described elementary supplier virtual account and described secondary supplier virtual account are for checking account.
The present invention also provides a kind of transaction platform, comprises platform account, elementary supplier virtual account and secondary supplier virtual account;
Platform account be used for elementary supplier regular account to elementary supplier virtual account stored in payment in advance after, to elementary supplier virtual account stored in financing money, described payment in advance and described financing money add up to conjunction volume money;
Transaction platform is used for described conjunction volume money to proceed to secondary supplier virtual account from elementary supplier virtual account; Described conjunction volume money, also for after the guarantee transaction of buying side, is proceeded to secondary supplier regular account from secondary supplier virtual account by transaction platform; Transaction platform also for after the buying elementary supplier in direction virtual account is stored in transaction money, is taken off and should be withholdd from described transaction money, and stored in platform account, more remaining transaction money is proceeded to elementary supplier regular account.
Further, platform account is also for proceeding to award money to elementary supplier regular account.
Further, described should withholing comprises former financing money and interest.
Preferably, described elementary supplier virtual account and described secondary supplier virtual account are for checking account.
Present invention offers following beneficial effect: in technical scheme provided by the invention, platform account provides financing money to elementary supplier, and conjunction volume money is given to secondary supplier, and this multistage order is performed smoothly.Finally, delay payment transaction money by buying side, and repay financing money, thus achieve between multistage order, to carry out safety, funds transfer easily, effectively saved manpower and materials, solved the problem of capital turnover difficulty.
Other features and advantages of the present invention will be set forth in the following description, and, partly become apparent from instructions, or understand by implementing the present invention.Object of the present invention and other advantages realize by structure specifically noted in instructions, claims and accompanying drawing and obtain.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, accompanying drawing required in describing is done simple introduction below to embodiment:
Fig. 1 is the process flow diagram of the account management-control method that the embodiment of the present invention one provides;
Fig. 2 is the operation schematic diagram of the transaction platform that the embodiment of the present invention two provides.
Embodiment
Describe embodiments of the present invention in detail below with reference to drawings and Examples, to the present invention, how application technology means solve technical matters whereby, and the implementation procedure reaching technique effect can fully understand and implement according to this.It should be noted that, only otherwise form conflict, each embodiment in the present invention and each feature in each embodiment can be combined with each other, and the technical scheme formed is all within protection scope of the present invention.
embodiment one:
The embodiment of the present invention provides a kind of account management-control method, by transaction platform management and control buying side, transaction between elementary supplier and secondary supplier.
Buying side can be the educational institutions such as the school carrying out purchasing, and also can be any enterprise or government bodies, there be enough credit buying side, pays the bill after requiring first arrival, and defers payment.
Elementary supplier is generally small-sized supplier, and credit is general, and financial strain, bears the responsibility to buying side's direct-furnish commodity, but needs to multiple secondary supplier buying.
Secondary supplier is large-scale supplier, i.e. source enterprise, ample supply and prompt delivery, and goods amount is large, and requiring first pays the bill delivers afterwards, and goods is to payment of fully thawing.
Transaction platform provides account management for both sides conclude the business, and provides financing matters.In the present embodiment, extend markup language (eXtensibleMarkupLanguage can be utilized, be called for short XML) realize with the interface of the systems such as bank, with China's finance authentication center (ChinaFinancialCertificationAuthority, be called for short CFCA) security of docking guarantee electronic messaging, the embodiment of the present invention is utilized to provide account management-control method to carry out transferring flow process between account, to realize business demand.
In the present embodiment, buying side has opened buying side's regular account, and elementary supplier has opened elementary supplier regular account and elementary supplier virtual account, and secondary supplier has opened secondary supplier regular account and secondary supplier virtual account.Wherein, the side's of buying regular account, elementary supplier regular account, secondary supplier regular account are the general accounts that enterprise or unit open in bank, and enterprise or unit have absolute control to regular account.Elementary supplier virtual account, secondary supplier virtual account are the adjunct account opened under elementary supplier regular account, secondary supplier regular account respectively, as a preferred version, virtual account in the present embodiment is the account having U shield, and for can only check account, namely the authority of virtual account is only checked by enterprise or unit.
As shown in Figure 1, the account management-control method that the embodiment of the present invention provides comprises:
S1: elementary supplier regular account to elementary supplier virtual account stored in payment in advance.
Elementary supplier first in oneself virtual account stored in payment in advance, then with the sales order of oneself for its purchase order is made guarantee, finance to transaction platform application.
S2: platform account to elementary supplier virtual account stored in financing money.
Wherein, financing money can be provided by financial entity enterprises such as banks, and payment in advance and financing money add up to conjunction volume money.
S3: conjunction volume money is proceeded to secondary supplier virtual account from elementary supplier virtual account by transaction platform.
Because the volume of conjunction money has proceeded to secondary supplier virtual account, so secondary supplier now cannot draw this conjunction volume money, and can only check.Afterwards, secondary supplier can deliver to elementary supplier, after elementary supplier receives goods, just can supply to buying side.
S4: after the guarantee transaction of the side of buying, conjunction volume money is proceeded to secondary supplier regular account from secondary supplier virtual account by transaction platform.
Buying side, after receiving final goods, approves and assures this order transaction.After transaction platform receives letter of guarantee, conjunction volume money will be proceeded to secondary supplier regular account, secondary supplier just can draw this conjunction volume money.
In addition, transaction platform also can take off corresponding service fee while conjunction volume money is proceeded to secondary supplier regular account.
S5: the buying elementary supplier in direction virtual account is stored in transaction money.
As a preferred version, buying side can open buying side's virtual account under buying side's regular account, then concrete operations are:
S51: the side's of buying regular account to buying side's virtual account stored in transaction money.
Buying side in the mode of refunding voluntarily, money of concluding the business from buying side's regular account stored in buying side's virtual account.
S52: the side's of buying virtual account to elementary supplier virtual account stored in transaction money.
Concrete, transaction platform can be adopted to expire the mode of automatically refunding, or commerce and trade personnel specify order to force the mode of transferring accounts voluntarily, money of concluding the business is stored in the virtual account of elementary supplier.
In other embodiments, buying side also can not open buying side's virtual account, and by buying side's regular account directly to elementary supplier virtual account stored in transaction money, specifically can adopt the modes such as Net silver refund, check refund.
S6: transaction platform is taken off and should be withholdd from transaction money, and stored in platform account.
Wherein, should withhold and specifically comprise former financing money and interest.
S7: remaining transaction money is proceeded to elementary supplier regular account by transaction platform.
Like this, elementary supplier just can draw this conjunction volume money, thus completes whole transaction.
Further, the account management-control method that the embodiment of the present invention provides also comprises:
S8: platform account proceeds to award money to elementary supplier regular account.
In the account management-control method that the embodiment of the present invention provides, platform account provides financing money to elementary supplier, and conjunction volume money is given to secondary supplier, and this multistage order is performed smoothly.Finally, delay payment transaction money by buying side, and repay financing money, thus achieve between multistage order, to carry out safety, funds transfer easily, effectively saved manpower and materials, solved the problem of capital turnover difficulty.
The account management-control method that the embodiment of the present invention provides, can realize the financing between enterprise, guarantee behavior easily, by manual operation under line in the past, changes automatic operation on line into.The account, management-control method was the space that the investment institution such as cooperative bank provide that is fully shown enterprise's looks, for supplier provides a unimpeded financing platform, simplified the flow process of online financing.Meanwhile, also complementary education mechanism, government department etc. can carry out informatization and management, the informationization implementing online credit extending channel for educational institution, government department etc. creates precondition.
embodiment two:
As shown in Figure 2, the embodiment of the present invention provides a kind of transaction platform, comprising platform account, elementary supplier virtual account and secondary supplier virtual account, with transaction platform management and control buying side, multistage order transaction between elementary supplier and secondary supplier.In addition, in process of exchange, also relate to buying side's regular account, elementary supplier regular account and secondary supplier regular account.
Concrete process of exchange in the present embodiment and the function of transaction platform as follows:
First, elementary supplier regular account to elementary supplier virtual account stored in payment in advance.Afterwards, platform account is used for elementary supplier virtual account stored in financing money.Wherein, financing money can be provided by financial entity enterprises such as banks, and payment in advance and financing money add up to conjunction volume money.
Transaction platform is used for conjunction volume money to proceed to secondary supplier virtual account from elementary supplier virtual account.Because the volume of conjunction money has proceeded to secondary supplier virtual account, so secondary supplier now cannot draw this conjunction volume money, and can only check.Afterwards, secondary supplier can deliver to elementary supplier, after elementary supplier receives goods, just can supply to buying side.Buying side, after receiving final goods, approves and assures this order transaction.
Conjunction volume money, also for after the guarantee transaction of buying side, is proceeded to secondary supplier regular account from secondary supplier virtual account by transaction platform, and transaction platform also can take off corresponding service fee simultaneously.Like this, secondary supplier just can draw this conjunction volume money.
Then, the elementary supplier in direction virtual account is purchased stored in transaction money.Remaining transaction money also for taking off and should withhold from transaction money after this, and stored in platform account, then is proceeded to elementary supplier regular account by transaction platform.Like this, elementary supplier just can draw this conjunction volume money, thus completes whole transaction.
Further, in the present embodiment, platform account can also for proceeding to award money to elementary supplier regular account.
The transaction platform that the embodiment of the present invention provides, has identical technical characteristic with the account management-control method that above-described embodiment one provides, so also can solve identical technical matters, reaches identical technique effect.
Although embodiment disclosed in this invention is as above, the embodiment that described content just adopts for the ease of understanding the present invention, and be not used to limit the present invention.Technician in any the technical field of the invention; under the prerequisite not departing from spirit and scope disclosed in this invention; any amendment and change can be done what implement in form and in details; but scope of patent protection of the present invention, the scope that still must define with appending claims is as the criterion.
Claims (10)
1. an account management-control method, is characterized in that, by transaction platform management and control buying side, transaction between elementary supplier and secondary supplier, described account management-control method comprises:
Elementary supplier regular account to elementary supplier virtual account stored in payment in advance;
Platform account is to elementary supplier virtual account stored in financing money, and described payment in advance and described financing money add up to conjunction volume money;
Described conjunction volume money is proceeded to secondary supplier virtual account from elementary supplier virtual account by transaction platform;
After the guarantee transaction of the side of buying, described conjunction volume money is proceeded to secondary supplier regular account from secondary supplier virtual account by transaction platform;
The buying elementary supplier in direction virtual account is stored in transaction money;
Transaction platform is taken off and should be withholdd from described transaction money, and stored in platform account;
Remaining transaction money is proceeded to elementary supplier regular account by transaction platform.
2. account management-control method according to claim 1, is characterized in that, the described elementary supplier in buying direction virtual account, stored in transaction money, is specially:
The side's of buying regular account to buying side's virtual account stored in transaction money;
The side's of buying virtual account to elementary supplier virtual account stored in described transaction money.
3. account management-control method according to claim 1, is characterized in that, the described elementary supplier in buying direction virtual account, stored in transaction money, is specially:
The side's of buying regular account to elementary supplier virtual account stored in transaction money.
4. account management-control method according to claim 1, is characterized in that, also comprise:
Platform account proceeds to award money to elementary supplier regular account.
5. account management-control method according to claim 1, is characterized in that, described should withholing comprises former financing money and interest.
6. account management-control method according to claim 1, is characterized in that, described elementary supplier virtual account and described secondary supplier virtual account are for checking account.
7. a transaction platform, is characterized in that, comprises platform account, elementary supplier virtual account and secondary supplier virtual account;
Platform account be used for elementary supplier regular account to elementary supplier virtual account stored in payment in advance after, to elementary supplier virtual account stored in financing money, described payment in advance and described financing money add up to conjunction volume money;
Transaction platform is used for described conjunction volume money to proceed to secondary supplier virtual account from elementary supplier virtual account; Described conjunction volume money, also for after the guarantee transaction of buying side, is proceeded to secondary supplier regular account from secondary supplier virtual account by transaction platform; Transaction platform also for after the buying elementary supplier in direction virtual account is stored in transaction money, is taken off and should be withholdd from described transaction money, and stored in platform account, more remaining transaction money is proceeded to elementary supplier regular account.
8. transaction platform according to claim 7, is characterized in that, platform account is also for proceeding to award money to elementary supplier regular account.
9. transaction platform according to claim 7, is characterized in that, described should withholing comprises former financing money and interest.
10. transaction platform according to claim 7, is characterized in that, described elementary supplier virtual account and described secondary supplier virtual account are for checking account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201510381341.2A CN105160565A (en) | 2015-07-02 | 2015-07-02 | Account management and control method and transaction platform |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510381341.2A CN105160565A (en) | 2015-07-02 | 2015-07-02 | Account management and control method and transaction platform |
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| CN105160565A true CN105160565A (en) | 2015-12-16 |
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| CN201510381341.2A Pending CN105160565A (en) | 2015-07-02 | 2015-07-02 | Account management and control method and transaction platform |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108009853A (en) * | 2017-12-12 | 2018-05-08 | 深圳市高登文化发展有限公司 | A kind of one-stop service online trade platform |
| CN110580620A (en) * | 2019-08-12 | 2019-12-17 | 上海摩库数据技术有限公司 | Chemical field B2B-based online payment account layering method |
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| CN101661596A (en) * | 2009-09-24 | 2010-03-03 | 北京英思沃工业科技有限公司 | Network financing service system |
| CN102214337A (en) * | 2010-04-07 | 2011-10-12 | 上海钧宸投资有限公司 | Commodity transaction settlement method and system |
| CN102663646A (en) * | 2012-04-09 | 2012-09-12 | 山东华兴网络科技有限公司 | Online financing system |
| CN102708487A (en) * | 2011-03-23 | 2012-10-03 | 中兴通讯股份有限公司 | Group purchase processing method and system based on ubiquitous computing environment |
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2015
- 2015-07-02 CN CN201510381341.2A patent/CN105160565A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101582145A (en) * | 2008-05-12 | 2009-11-18 | 阿里巴巴集团控股有限公司 | Network transaction payment system |
| CN101661596A (en) * | 2009-09-24 | 2010-03-03 | 北京英思沃工业科技有限公司 | Network financing service system |
| CN102214337A (en) * | 2010-04-07 | 2011-10-12 | 上海钧宸投资有限公司 | Commodity transaction settlement method and system |
| CN102708487A (en) * | 2011-03-23 | 2012-10-03 | 中兴通讯股份有限公司 | Group purchase processing method and system based on ubiquitous computing environment |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108009853A (en) * | 2017-12-12 | 2018-05-08 | 深圳市高登文化发展有限公司 | A kind of one-stop service online trade platform |
| CN110580620A (en) * | 2019-08-12 | 2019-12-17 | 上海摩库数据技术有限公司 | Chemical field B2B-based online payment account layering method |
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Application publication date: 20151216 |
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