CN105678599A - ttTarget guarantee fund management method - Google Patents
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- CN105678599A CN105678599A CN201511022182.3A CN201511022182A CN105678599A CN 105678599 A CN105678599 A CN 105678599A CN 201511022182 A CN201511022182 A CN 201511022182A CN 105678599 A CN105678599 A CN 105678599A
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- account
- management system
- phone number
- mobile phone
- bank management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention provides a target guarantee fund management method. The target guarantee fund management method comprises the steps: before bid opening, an electronic transaction platform receives input name of a target and phone number, and stores the input name of a target and phone number; the electronic transaction platform sends the phone number to a bank management system; the bank management system receives and stores the phone number, and distribute an account number according to the phone number; the bank management system sends the account number to the electronic transaction platform; the electronic transaction platform receives and stores the account number; and the bank management system receives the money paid in the account number from an external account number, and records the fee-paying information. The target guarantee fund management method guarantees the security of the guarantee fund before bid opening.
Description
Technical field
The present invention relates to e-bidding technical field, in particular to a kind of target security deposit's management process.
Background technology
Security deposit's management refers in the activity process of bid, tenderer according to the requirement of bidding documents by certain amount of money by certain form pay to regulation security deposit manage account, and acceptance of the bid publicity after bank according to security deposit management unit, the instruction of returning of security deposit is return. It mainly acts on is that the bid behavior to tenderer retrains, and when tenderer recalls bid at the appointed time, abandons acceptance of the bid, submits a tender in violation of rules and regulations, signs a contract not according to regulation, bid inviter can confiscate the tender bond of tenderer according to laws and regulations.
Security deposit's management process of traditional mode has two kinds:
The first, all targets (or by industry) fix an account, tenderer according to the requirement of bidding documents before security deposit pays dead line by security deposit from basic family to transfer accounts or T/T reimbursement proceeds to the account specified, and be as the criterion to the account time with reality, the project that this kind of method must be paid with district office in bill remarks column remarks target title when paying security deposit; Security deposit is paid voucher and is attached in bidding documents or submits with letter form of submitting a tender by tenderer. During opening of bid, the target that bank requires according to transaction center arranges security deposit and pays unit and situation of paying generates security deposit to account inventory, and to the security deposit that account inventory and tenderer are submitted, the security deposit that transaction center provides according to bank pays whether security deposit is produced by voucher manpower comparing from basic family, whether the amount of money paid and time meet bidding documents and require; After acceptance of the bid publicity, reimbursement inventory is given bank by transaction center, and bank carries out artificial reimbursement one by one according to the account of reimbursement inventory and the amount of money.
2nd kind, a target fixes an account, when tenderer requires that carrying out security deposit pays according to bidding documents, bank according to target information automatically for this target distributes an account, all tenderers of each target by security deposit from basic family to transfer accounts or T/T reimbursement is transferred to this account, be as the criterion to the account time with reality; During opening of bid, bank prints security deposit according to the situation of paying of target account and pays inventory to transaction center, and transaction center is paid inventory according to security deposit and compared; After opening of bid terminates, reimbursement inventory is returned to bank by transaction center, and bank selects project to carry out the reimbursement of former road according to reimbursement inventory.
For the security deposit's management process under traditional mode, mainly there is following several respects problem: when 1, tenderer pays security deposit, information can be revealed by bank side, cause and encloses mark string mark, cannot guarantee fairness;2, manual operation workload is big and loaded down with trivial details, it is easy to mishandle occur.
Reveal the patent application of e-bidding aspect, such as, publication number is that the Chinese invention patent of CN10491953A discloses a kind of internet and invites and submit bids method and system, described method is: registration, issue bid, registration, qualification examination, bid, open sealed tenders, calibration, acceptance of the bid publicity, the security deposit that returns or freeze corresponding bid user, but about how, security deposit is managed to prevent enclosing and marking string bid behavior and do not mention.
Summary of the invention
Technical problem to be solved by this invention is: the target security deposit's management process providing a kind of confidentiality improving bidding and tendering process.
In order to solve the problems of the technologies described above, the technical solution used in the present invention is:
A kind of target security deposit's management process,
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input, and stores;
Mobile phone number is sent to bank management system by electronic trade platform;
Bank management system receives mobile phone number, and according to cell-phone number code assign ment account;
Bank management system sends described account to electronic trade platform;
Electronic trade platform receives described account and stores;
Bank management system receives the debt that outside account turns in described account, and records payment information;
The useful effect of the present invention is: before opening of bid, the mobile phone number that each target can be comprised by electronic trade platform, and account corresponding to each mobile phone number is mapped, but the payment information of each account can not be known, each mobile phone number and account can be mapped by bank management system, also the payment information of each account can be known, but do not know each target title corresponding to mobile phone number, what therefore can prevent that the information leakage because of open bid front electronic trade platform or bank management system from causing encloses mark or string bid behavior, ensure the confidentiality of the front security deposit of opening of bid, different to corresponding account of each target title and mobile phone number, has and facilitates electronic trade platform and bank management system process data, the advantage that efficiency is high.
Accompanying drawing explanation
Fig. 1 is the schema of target security deposit's management process of the embodiment of the present invention.
Embodiment
By the technology contents of the present invention being described in detail, is realized object and effect, below in conjunction with enforcement mode and coordinate accompanying drawing to be explained.
The design of most critical of the present invention is: before opening of bid, and target title and tenderer's payment information are separated storage, it is to increase the confidentiality of tenderer's information before opening of bid, reaches the object avoiding occurring enclosing mark string bid behavior.
Please refer to Fig. 1, the present invention provides a kind of target security deposit's management process,
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input, and stores;
Mobile phone number is sent to bank management system by electronic trade platform;
Bank management system receives mobile phone number, store and according to cell-phone number code assign ment account;
Bank management system sends described account to electronic trade platform;
Electronic trade platform receives described account and stores;
Bank management system receives the debt that outside account turns in described account, and records payment information.
Further, during opening of bid, the account met with target is sent to bank management system by electronic trade platform;
Bank management system receives the described account met with target;
Bank management system is sent to electronic trade platform the payment information of the described account met with target;
Electronic trade platform receive described in the payment information of the account met with target, and check the payment information of described account.
Seen from the above description, during opening of bid, the account met with target that bank management system sends according to electronic trade platform, feed back to the payment information of described account, then whether correct check the payment information of described account for electronic trade platform, when opening bid, bank management system just knows which account belongs to same target, electronic trade platform just knows the mobile phone number corresponding to complete target and the payment information of the account corresponding to mobile phone number, target security deposit pays situation strong security, effectively stop to enclose mark string bid behavior, and the verification of the payment information of account is carried out in electronic trade platform, greatly save manpower and time cost.
Further, also comprise:
After acceptance of the bid publicity, electronic trade platform sends the account needing reimbursement to bank management system;
Bank management system receives the described account needing reimbursement, and inquires about the outside account that described account is corresponding;
Described debt in the described account needing reimbursement is exited to described outside account by bank management system.
Seen from the above description, after acceptance of the bid publicity, the account needing reimbursement is sent to bank management system by electronic trade platform, and the debt in account is exited to outside account by bank management system, it is achieved that the reimbursement of account fund.
Further, also comprise:
After acceptance of the bid publicity, the described debt in the described account needing reimbursement is exited by bank management system;
Bank management system receives the reimbursement of described mobile phone number transmission to account status inquiry request;
Bank management system sends checking information to described mobile phone number;
Bank management system receives described checking information, after being proved to be successful, sends described reimbursement to account situation to described mobile phone number.
Seen from the above description, after acceptance of the bid publicity, bank management system receives the reimbursement of mobile phone number transmission to account status inquiry request, and feed back to mobile phone number reimbursement to account situation, for user provides the convenience of inquiry, but need to be verified by cell-phone number code and just can inquire about reimbursement to account situation, effectively ensure the confidentiality of information corresponding to mobile phone number.
Further, also comprise:
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input;
Electronic trade platform sends checking information to described mobile phone number;
Electronic trade platform receives the described checking information of input, and after being proved to be successful, described mobile phone number succeeds in registration.
Seen from the above description, before opening of bid, input handset number on electronic trade platform, and to cell-phone number code verify after can realize the registration to cell-phone number code, ensure mobile phone number registration time uniqueness and confidentiality.
Further, also comprise:
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input, and inquires about whether receiving the account that bank management system sends;
If inquiring the account receiving bank management system and sending, then show described account;
If inquiring without the account receiving bank management system transmission, then mobile phone number is sent to bank management system to apply for account by electronic trade platform.
Seen from the above description, after electronic trade platform receives the target title of input, mobile phone number, can inquire about whether having received the account that bank management system sends, if having received account, then no longer send account application request to bank management system, if not receiving account, then send mobile phone number to apply for account to bank management system, the same mobile phone number in same target is avoided to repeat application account, ensure that a target title and mobile phone number are to the uniqueness obtaining account, and simple operation is reasonable.
Further, also comprise:
Before opening of bid, bank management system receives the debt turning in described account, and records payment information;
Bank management system receives the payment information inquiry request that described mobile phone number sends;
Bank management system sends checking information to described mobile phone number;
Bank management system receives described checking information, after being proved to be successful, sends described payment information to described mobile phone number.
Seen from the above description, before opening of bid, payment information inquiry request is sent to bank management system by mobile phone number, and just can realize after verifying between bank management system and mobile phone number, this inquiry can carry out inquiring about on the website of bank oneself, ensures the confidentiality of the information corresponding to mobile phone number.
Further, bank management system receives payment date information and the payment information inquiry request that described mobile phone number sends.
Seen from the above description, when sending payment information inquiry by mobile phone number to bank management system, the condition of additional upper payment date information, can facilitate bank management system to find fast and the payment information of mobile phone numbers match, convenient and swift.
Further, also comprise:
Before opening of bid, bank management system receives the debt turning in described account, and records payment information;
The payment information inquiry request that electronic trade platform receives target title, mobile phone number is submitted to;
Described mobile phone number and payment information inquiry request are sent to bank management system by electronic trade platform;
Bank management system receives described mobile phone number and the payment information inquiry request that electronic trade platform sends;
Bank management system sends checking code to described mobile phone number;
Described mobile phone number receives described checking code;
Electronic trade platform receives the described checking code of input;
Described checking code is sent to bank management system by electronic trade platform;
Bank management system receives described checking code, and verifies, sends described payment information to described mobile phone number after being proved to be successful.
Seen from the above description, when mobile phone number sends any information not directly to bank management system, mobile phone number sends payment information inquiry request by electronic trade platform to bank management system, bank management system is verified whether the payment information inquiry request received is relevant to mobile phone number itself by checking code, the transmission of checking code is also undertaken by electronic trade platform, payment information is sent to mobile phone number by bank management system, mobile phone number sends information by electronic trade platform to bank management system, simple operation, and before effectively ensureing opening of bid, electronic trade platform cannot learn the payment information of account, bank management system cannot learn the target title that account is corresponding, effectively prevent from enclosing mark string bid behavior.
Further, also comprise: electronic trade platform checks the payment information of described account, if payment information is incorrect, then it is considered as abnormal record.
Seen from the above description, the payment information of the account corresponding to mobile phone number comprised in each target of electronic trade platform carries out in the process checked, if finding that payment information is incorrect, is then considered as abnormal record, described method is reasonable, has the ability distinguishing abnormal record.
Further, described account is the character string being made up of numeral and/or letter.
Seen from the above description, described account can be the account of necessary being, and such as the bank card number of distribution at present is consist of only digits, it is also possible to be the virtual account only concluded the business on the internet, such as, be the arbitrary string existed with numeral and/or alphabetical form;In addition, before opening of bid, the account that bank management system distributes to mobile phone number can be pre-existing in, can also generate at once, corresponding account is different by each target title, mobile phone number, facilitates bank management system data to be processed, it is to increase operating rate.
Further, described target title is set in advance in described electronic trade platform.
Seen from the above description, described target title is set in advance in described electronic trade platform, target title corresponding to way selection of user by selecting, simple operation.
Further, described payment information be the payment amount of money, the payment time, at least one in account time, outside account title, external account place bank title, bank outlets' title, payment serial number, postscript.
Seen from the above description, the payment amount of money, payment time, it is after acceptance of the bid publicity, judge to pay the fees whether effective important information to account time, outside account title, external account place bank title, bank outlets' title, payment serial number, postscript, outside account title is important information during reimbursement after publicity of getting the bid, add the mobile phone number corresponding to every bar payment information and target title, whether effective just can judge for paying of this target security deposit, arrange rationally.
Please refer to Fig. 1, embodiments of the invention one are:
A kind of target security deposit's management process,
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input, and stores;
Mobile phone number is sent to bank management system by electronic trade platform;
Bank management system receives mobile phone number, store and according to cell-phone number code assign ment account;
Bank management system sends described account to electronic trade platform;
Electronic trade platform receives described account and stores;
Bank management system receives the debt that outside account turns in described account, and records payment information;
During opening of bid, the account met with target is sent to bank management system by electronic trade platform;
Bank management system receives the described account met with target;
Bank management system is sent to electronic trade platform the payment information of the described account met with target;
Electronic trade platform receive described in the payment information of the account met with target, and check the payment information of described account;
After acceptance of the bid publicity, electronic trade platform sends the account needing reimbursement to bank management system;
Bank management system receives the described account needing reimbursement, and inquires about the outside account that described account is corresponding;
Described debt in the described account needing reimbursement is exited to described outside account by bank management system.
Wherein, described account is by numeral and/or the character string that form of letter, described payment information be the payment amount of money, the payment time, to account time, outside account title, external account place bank title, bank outlets' title, at least one paid the fees in serial number, postscript.
Please refer to Fig. 1, embodiments of the invention two are:
A kind of target security deposit's management process, also comprises the following steps on the basis of embodiment one:
1, the user's registration before opening bid, is specially:
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input;
Electronic trade platform sends checking information to described mobile phone number;
Electronic trade platform receives the described checking information of input, and after being proved to be successful, described mobile phone number succeeds in registration.
2, electronic trade platform before opening of bid is to the Automatic inquirying of the account whether receiving bank management system feedback, is specially:
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input, and inquires about whether receiving the account that bank management system sends;
If inquiring the account receiving bank management system and sending, then show described account;
If inquiring without the account receiving bank management system transmission, then mobile phone number is sent to bank management system to apply for account by electronic trade platform.
3, the account payment information querying method one before opening bid, is specially:
Before opening of bid, bank management system receives the debt turning in described account, and records payment information;
Bank management system receives payment date information and the payment information inquiry request that described mobile phone number sends;
Bank management system sends checking information to described mobile phone number;
Bank management system receives described checking information, after being proved to be successful, sends described payment information to described mobile phone number.
4, the account payment information querying method two before opening bid, is specially:
Before opening of bid, bank management system receives the debt turning in described account, and records payment information;
The payment information inquiry request that electronic trade platform receives target title, mobile phone number is submitted to;
Described mobile phone number and payment information inquiry request are sent to bank management system by electronic trade platform;
Bank management system receives described mobile phone number and the payment information inquiry request that electronic trade platform sends;
Bank management system sends checking code to described mobile phone number;
Described mobile phone number receives described checking code;
Electronic trade platform receives the described checking code of input;
Described checking code is sent to bank management system by electronic trade platform;
Bank management system receives described checking code, and verifies, sends described payment information to described mobile phone number after being proved to be successful.
The process that payment information when 5, opening bid is incorrect, is specially:
Electronic trade platform checks the payment information of described account, if payment information is incorrect, is then considered as abnormal record.
6, get the bid the reimbursement after publicity to account status inquiry, it be specially:
After acceptance of the bid publicity, the described debt in the described account needing reimbursement is exited by bank management system;
Bank management system receives the reimbursement of described mobile phone number transmission to account status inquiry request;
Bank management system sends checking information to described mobile phone number;
Bank management system receives described checking information, after being proved to be successful, sends described reimbursement to account situation to described mobile phone number.
To the input mode of target title when 7, logging in electronic trade platform, it is specially:
Described target title is set in advance in described electronic trade platform;
Electronic trade platform receives the target title that user selects.
In sum, target security deposit's management process provided by the invention, before opening of bid, electronic trade platform only stores mobile phone number corresponding to target title, and the account that mobile phone number is corresponding, the account that bank management system memory mobile phone number is corresponding, and the payment information of account, the target title of often pair, the account that mobile phone number is corresponding is all different, obtain the target title of account and mobile phone number to can not again apply for account, if forgetting account, transaction platform can inquire, mobile phone number be registered on electronic trade platform to carry out, payment information and the reimbursement status inquiry of account are submitted to bank management system, the inquiry of the payment information of account can also be submitted to bank management system by electronic trade platform, but the Query Result of payment information finally only can be sent to mobile phone number by bank management system, the verification of payment information carries out on electronic trade platform, before opening of bid, account corresponding for target title is stored in electronic trade platform, payment information corresponding for account is stored in bank management system, the account that mobile phone number is corresponding simultaneously binds together always, security deposit corresponding to the front target that prevents from opening bid pay the fees situation in electronic trade platform or bank management system by know cause enclose mark or string bid behavior, target title can be mapped with account by mobile phone number simultaneously, information is facilitated to dock between electronic trade platform with bank management system, described method is reasonable, data processing speed is fast, operational efficiency height, to the strong security of security deposit before opening of bid, and handiness is strong.
The foregoing is only embodiments of the invention; not thereby the patent scope of the present invention is limited; every equivalents utilizing specification sheets of the present invention and accompanying drawing content to do, or directly or indirectly it is used in relevant technical field, all it is included in the scope of patent protection of the present invention with reason.
Claims (10)
1. target security deposit's management process, it is characterised in that,
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input, and stores;
Mobile phone number is sent to bank management system by electronic trade platform;
Bank management system receives mobile phone number, store and according to cell-phone number code assign ment account;
Bank management system sends described account to electronic trade platform;
Electronic trade platform receives described account and stores;
Bank management system receives the debt that outside account turns in described account, and records payment information.
2. target security deposit's management process according to claim 1, it is characterised in that, also comprise:
During opening of bid, the account met with target is sent to bank management system by electronic trade platform;
Bank management system receives the described account met with target;
Bank management system is sent to electronic trade platform the payment information of the described account met with target;
Electronic trade platform receive described in the payment information of the account met with target, and check the payment information of described account.
3. target security deposit's management process according to claim 1, it is characterised in that, also comprise:
After acceptance of the bid publicity, electronic trade platform sends the account needing reimbursement to bank management system;
Bank management system receives the described account needing reimbursement, and inquires about the outside account that described account is corresponding;
Described debt in the described account needing reimbursement is exited to described outside account by bank management system.
4. target security deposit's management process according to claim 3, it is characterised in that, also comprise:
After acceptance of the bid publicity, the described debt in the described account needing reimbursement is exited by bank management system;
Bank management system receives the reimbursement of described mobile phone number transmission to account status inquiry request;
Bank management system sends checking information to described mobile phone number;
Bank management system receives described checking information, after being proved to be successful, sends described reimbursement to account situation to described mobile phone number.
5. target security deposit's management process according to claim 1, it is characterised in that, also comprise:
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input;
Electronic trade platform sends checking information to described mobile phone number;
Electronic trade platform receives the described checking information of input, and after being proved to be successful, described mobile phone number succeeds in registration.
6. target security deposit's management process according to claim 1, it is characterised in that, also comprise:
Before opening of bid, electronic trade platform receives target title, the mobile phone number of input, and inquires about whether receiving the account that bank management system sends;
If inquiring the account receiving bank management system and sending, then show described account;
If inquiring without the account receiving bank management system transmission, then mobile phone number is sent to bank management system to apply for account by electronic trade platform.
7. target security deposit's management process according to claim 1, it is characterised in that, also comprise:
Before opening of bid, bank management system receives the debt turning in described account, and records payment information;
Bank management system receives the payment information inquiry request that described mobile phone number sends;
Bank management system sends checking information to described mobile phone number;
Bank management system receives described checking information, after being proved to be successful, sends described payment information to described mobile phone number;
Wherein, described payment information be the payment amount of money, the payment time, at least one in account time, outside account title, external account place bank title, bank outlets' title, payment serial number, postscript.
8. target security deposit's management process according to claim 1, it is characterised in that, also comprise:
Before opening of bid, bank management system receives the debt turning in described account, and records payment information;
The payment information inquiry request that electronic trade platform receives target title, mobile phone number is submitted to;
Described mobile phone number and payment information inquiry request are sent to bank management system by electronic trade platform;
Bank management system receives described mobile phone number and the payment information inquiry request that electronic trade platform sends;
Bank management system sends checking code to described mobile phone number;
Described mobile phone number receives described checking code;
Electronic trade platform receives the described checking code of input;
Described checking code is sent to bank management system by electronic trade platform;
Bank management system receives described checking code, and verifies, sends described payment information to described mobile phone number after being proved to be successful.
9. target security deposit's management process according to claim 1, it is characterised in that, described target title is set in advance in described electronic trade platform.
10. target security deposit's management process according to any one of claim 1-9, it is characterised in that, described account is the character string being made up of numeral and/or letter.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201511022182.3A CN105678599A (en) | 2015-12-30 | 2015-12-30 | ttTarget guarantee fund management method |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201511022182.3A CN105678599A (en) | 2015-12-30 | 2015-12-30 | ttTarget guarantee fund management method |
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| CN105678599A true CN105678599A (en) | 2016-06-15 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201511022182.3A Pending CN105678599A (en) | 2015-12-30 | 2015-12-30 | ttTarget guarantee fund management method |
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| CN108198049A (en) * | 2018-02-07 | 2018-06-22 | 南通市公共资源交易中心 | A kind of long-range bid opening and bid appraisal management method, management system and management equipment |
| CN110738556A (en) * | 2018-07-20 | 2020-01-31 | 上海怿智信息科技有限公司 | Bid deposit management system |
| CN110766390A (en) * | 2019-11-05 | 2020-02-07 | 福建随行软件有限公司 | Guarantee fund payment method and system |
| CN113592438A (en) * | 2021-07-13 | 2021-11-02 | 福州交通信息投资运营有限公司 | Electronic bidding transaction method and terminal |
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| CN113592438A (en) * | 2021-07-13 | 2021-11-02 | 福州交通信息投资运营有限公司 | Electronic bidding transaction method and terminal |
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Application publication date: 20160615 |