CN106934609A - A kind of method that network trading pays - Google Patents
A kind of method that network trading pays Download PDFInfo
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- CN106934609A CN106934609A CN201710163442.1A CN201710163442A CN106934609A CN 106934609 A CN106934609 A CN 106934609A CN 201710163442 A CN201710163442 A CN 201710163442A CN 106934609 A CN106934609 A CN 106934609A
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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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
- G06Q30/01—Customer relationship services
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- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention provides a kind of method that network trading pays, the method includes：User submits transaction to and pays request to third party；Third direction Fund Company submits to, to the specified fund share of the related transaction（Equivalence is in payment for goods）Limitation user operation, peculation request；Third party receives return information, confirms that the share is limited, that is, confirm that user pays and complete, and can be traded；According to Transaction Information and rule, the share to relationship trading withholds third party, to businessman（Or user）Pay payment for goods（Gained fund）, that is, confirm that both sides' transaction is completed.Realize in network trading payment, buyer need not pay payment for goods to payment platform in advance, while for buyer provides the purpose that during concluding the business transaction funds are carried out with financing acquisition income.
Description
Technical field
The present invention relates to a kind of method that network trading pays, the network trading payment of more particularly to a kind of use fund
Method.
Background technology
It is well known that current network trading delivery platform is mainly as both parties provide transaction guaranty, its guarantee is handed over
Easy method is：When both parties conclude the business, payment for goods is changed to payment platform by buyer.When dispute occurs in transaction, determined by platform
The trend of payment for goods, so as to ensure the just of transaction.But the problem that this transaction payment is present is：1. buyer must shift to an earlier date to the 3rd
The buyer of Fang Zhifu payment for goods 2. possesses ownership of the payment for goods during concluding the business, but this part fund cannot be managed money matters.Thus hand over
Substantial amounts of fund is deposited and idle in easily, causes resource not to be fully utilized.
The content of the invention
For above shortcomings in the prior art, the present invention proposes a kind of new network trading means of payment, cancels
Buyer must shift to an earlier date to Third-party payment payment for goods in transaction, while enabling buyer to manage the transaction funds during transaction
Wealth, obtains income.Methods described also can guarantee that the justice of transaction is carried out.
To achieve the above object, the method the invention provides a kind of payment of network trading is as follows, and its method and step is as follows.
After one, user submits transaction to and pays request, third party and Fund Company according to request and the agreement, to user
Specified fund can be limited with the equivalent share in payment for goods of share, limitation user operation, peculation, that is, complete to pay.
According to Transaction Information and trading rules, the fund share to the limitation withholds two, third parties, to businessman's branch
Pay payment for goods（Gained fund）, that is, complete transaction.
The trade agreement and fund agreement, including：1. Fund Company has the right in concluding the business, and limitation user operates, moves
It is used for the fund share for completing to pay with relationship trading；2. third party has the right to be believed according to trading rules and transaction in concluding the business
Breath, the limitation fund share to relationship trading withholds.
Described withholding refers to that, to repay the purpose of trade account payable in the transaction, user agrees to and authorizes lower third party's generation
User specifies Fund Company's transmission fund trade orders that fund is serviced to instruct to payment is provided, directly specifying user's purchase
The fund share of the limitation of relationship trading in fund is transferred the possession of or redeemed, and obtains fund for repaying to transfer the possession of or redeem exchange
Also user is paying payment for goods needed for transaction.
When the fund described in the transaction can be insufficient to equivalence in payment for goods with share, user in the transaction and can pay request
In, the addition purchase fund request so that the fund can be limited the share with the share payment for goods equivalent enough
System, completes to pay.
User returns goods or when Transaction Disputes occur for user, businessman to businessman in transaction, and third party is according to Transaction Information and double
Side provides information, by trading rules, after described withholding, to businessman or user's distribution gained fund, completes transaction.
Fund, fund agreement and Fund Company can be replaced non-fund finance product, the product agreement in methods described
With the Products Co., Ltd.Including insurance finance product, insurance finance product agreement and insurance finance product company.
The transaction payment method also includes for user that to businessman's branch deposit or payment advance payment its method includes：
1. after user submits transaction to and pays request, third party and Fund Company specify according to request and the agreement to user
Fund can be with share equivalence in cash pledge（Or advance payment）Share limited, limitation user operation, divert, that is, complete pay；
2. third party provides related promise breaking information according to businessman（Or advance payment consumption information）, the fund share to the limitation enters
Row withholds, to businessman's branch deposit（Or the advance payment of consumption）；
3. third party confirms that user and businessman can propose the return remaining cash pledge in the absence of in the case of dispute according to user
（Or remaining advance payment）Request, limitation fund share remaining to the correlation withholds, and refunds in user, completes to return.
Methods described also includes：
1. after user submits transaction to and pays request, user pays payment for goods and is completely used for buying specified fund,（The fund association
User's operation is limited in view, the fund is diverted, but allows third party to be withheld）Complete to pay；
2. third party according to Transaction Information and trading rules, the fund share to the limitation withholds, to businessman pay goods
Money, that is, complete transaction.
The fund share of the limitation obtains income during concluding the business, and returns user to own, and user may be selected income storage
Position or extracting mode.
Compared to prior art, the method provided by the present invention is realized in network trading payment, and buyer need not carry up-front payment
Platform pays payment for goods, while during concluding the business transaction funds are carried out with the purpose that financing obtains income for buyer provides.
The method of inventive network transaction payment, substantial amounts of fund is deposited and idle problem in solving transaction, fully
Using resource, be society, user create enormous benefits.
Brief description of the drawings
Fig. 1 is inventive network transaction payment method flow schematic diagram.
Fig. 2 is the schematic flow sheet that inventive network transaction payment method is based on embodiment two.
Specific embodiment
In order that the object, technical solutions and advantages of the present invention are expressed must become more apparent, below in conjunction with the accompanying drawings and tool
Body embodiment is further described in detail again to the present invention.
Embodiment one
As shown in figure 1, the schematic flow sheet of the method for network trading of the invention payment, the method step includes as follows.
Step S101, user submits transaction to and pays request to third party.
Specifically, user is in related website or client, sends transaction to third party and pay request.
Above-mentioned request managing detailed catalogue is in addition to the information that can be included in existing transaction, in addition it is also necessary to including using branch of the invention
The information of the mode of paying can also include the information of specified fund in the purchase present invention.
When above-mentioned request sends, user need to receive interested third party friendship in the website of third-party platform or client
Easy agreement and specified fund agreement.
Step S102, third direction Fund Company submits to, to the specified fund share of the related transaction（Equivalence is in goods
Money）Limitation user operation, peculation request.
Specifically, the solicited message that third party sends according to user, submits to being asked described in correlation to third party Fund Company
The share of the fund asked（Equivalence is in turnover）Carry out the request for limiting user's operation, diverting.
Step S103, third party receives return information, confirms that the share is limited, that is, confirm that user pays and complete, can
It is traded.
Specifically, after Fund Company completes the limitation, restricted information, the 3rd confirmation message are sent completely to third party
Afterwards, confirm that user pays to complete, to the information for needing to include in user, the existing transaction of businessman's transmission.
Sent to user in above-mentioned existing transaction and pays successfully prompt message, and businessman transmission user is paid successfully believed
Breath, points out businessman's delivery.
Step S104, according to Transaction Information and rule, the share to relationship trading withholds third party, to businessman
（Or user）Pay payment for goods（Gained fund）, that is, confirm that both sides' transaction is completed.
Specifically, user confirms to be paid to businessman after receiving, then third party is carried out to the fund share of relationship trading
Withhold, gained fund is paid to businessman, to the information for needing to include in user, the existing transaction of businessman's transmission.
Transaction successful information is sent to user in above-mentioned existing transaction, points out payment for goods to pay, and friendship is sent to businessman
Easy successful information, points out payment for goods to pay.
Embodiment two
As shown in figure 1, user is to businessman's branch deposit in the method paid for network trading of the invention or pays advance payment
Schematic flow sheet, the method step includes as follows.
Specifically,
Step S201, user submits branch deposit to third party（Or advance payment）Request.
Specifically, user is in related website or client, branch deposit is submitted to third party（Or advance payment）Request.
Above-mentioned request managing detailed catalogue removes existing branch deposit（Or advance payment）When the information that can include outside, in addition it is also necessary to including
Using the means of payment of the invention information or can also include purchase the present invention in specify fund information.
Step S202, third direction Fund Company submits to, to the specified fund share of the related request（Equivalence is in request
Amount paid）Limitation user's operation requests.
Specifically, the solicited message that third party sends according to user, submits to being asked described in correlation to third party Fund Company
The share of the fund asked（Equivalence is in the amount paid）Carry out the request for limiting user's operation, diverting.
Specifically, after Fund Company completes the limitation, restricted information, the 3rd confirmation message are sent completely to third party
Afterwards, confirm that user pays to complete, to the information for needing to include in user, the existing transaction of businessman's transmission.
Step S203, third party receives return information, confirms that the share is limited, that is, confirm that user pays and complete.
Specifically, after Fund Company completes the limitation, restricted information, the 3rd confirmation message are sent completely to third party
Afterwards, confirm that user pays to complete, to the information for needing to include in user, the existing transaction of businessman's transmission.
Step S204, third party is according to the user's correlation promise breaking information for receiving（Or advance payment consumption information）, to described part
Volume is withheld, and gained fund is paid to businessman.
Specifically, when user occurs the promise breaking of the cash pledge to businessman（Or user is consumed using advnace money on a contract in businessman）, it is right
Third party submits relevant information to, and third party withholds to third party according to information to the fund share of relationship trading, to
Businessman pays gained fund, to the information for needing to include in user, the existing transaction of businessman's transmission.
Step S205, third party confirms that user and businessman, in the absence of in the case of dispute, can propose return institute according to user
State remaining cash pledge（Or remaining advance payment）Request, limitation fund share remaining to the correlation withholds（Or cancel limit
System）, refund in user, complete to return.
Specifically, when user returns to cash pledge and advnace money on a contract to businessman's application, third party is right according to businessman and user profile
The fund share of relationship trading is withheld（Or cancel limitation）, refund in user, complete return process.
The above, only presently preferred embodiments of the present invention is not intended to limit the scope of the present invention, it is all
Within the spirit and principles in the present invention, any modification, equivalent substitution and improvements made etc. should be included in protection of the invention
Within the scope of.
Claims (9)
1. a kind of method that network trading pays, it is characterised in that when user is receiving third party transaction agreement and specified fund
After agreement, during using specified disbursement from fund, methods described includes：
A. after user submits transaction to and pays request, third party and Fund Company specify according to request and the agreement to user
Fund can be limited with the equivalent share in payment for goods of share, limitation user operation, peculation, that is, complete to pay；
B. third party according to Transaction Information and trading rules, the fund share to the limitation withholds, to businessman pay goods
Money（Gained fund）, that is, complete transaction.
2. it is as claimed in claim 1, it is characterised in that the trade agreement and fund agreement, including：
A. Fund Company has the right in concluding the business, and limitation user operation, peculation relationship trading are used for the fund share for completing to pay；
B. third party is had the right according to trading rules and Transaction Information in concluding the business, and the limitation fund share to relationship trading is carried out
Withhold.
3. it is as claimed in claim 1, it is characterised in that described withholding refers to, to repay the purpose of trade account payable in the transaction,
User agrees to and authorizes the lower alternative family of third party to specify the Fund Company that fund is serviced to send fund trade orders to payment is provided
Instruction, the fund share of the limitation of relationship trading is transferred the possession of or redeemed in the specified fund for directly buying user, and to turn
Allow or redeem exchange and obtain fund and payment for goods is being paid needed for transaction for repaying user.
It is 4. as claimed in claim 1, it is characterised in that when the fund described in the transaction can be insufficient to equivalence in payment for goods with share,
User can be in the transaction and paying request, addition purchase fund request so that the fund can be with share enough etc.
It is worth the payment for goods, the share is limited, completes to pay.
5. it is as claimed in claim 1, it is characterised in that user returns goods to businessman or user, businessman occur Transaction Disputes in transaction
When, third party provides information according to Transaction Information and both sides, by trading rules, after described withholding, is distributed to businessman or user
Gained fund, completes transaction.
6. it is as claimed in claim 1, it is characterised in that fund, fund agreement and Fund Company can be replaced non-in methods described
Fund finance product, the product agreement and the Products Co., Ltd, such as include insurance finance product, insurance finance product agreement and
Insurance finance product company.
7. it is as claimed in claim 1, it is characterised in that the transaction payment method also includes for user to businessman's branch deposit
Or advance payment is paid, its method includes：
A. after user submits transaction to and pays request, third party and Fund Company specify according to request and the agreement to user
Fund can be with share equivalence in cash pledge（Or advance payment）Share limited, limitation user operation, divert, that is, complete pay；
B. third party is according to the user's correlation promise breaking information for receiving（Or advance payment consumption information）, to the fund share of the limitation
Withheld, gained fund is paid to businessman；
C. third party confirms that user and businessman, in the absence of in the case of dispute, can propose the return remaining cash pledge according to user
（Or remaining advance payment）Request, limitation fund share remaining to the correlation withholds（Or cancel limitation）, refund in
Family, completes to return.
It is 8. as claimed in claim 1, it is characterised in that when user is after third party transaction agreement and specified fund agreement is received,
During using specified disbursement from fund, methods described also includes：
A. after user submits transaction to and pays request, user pays payment for goods and is completely used for buying specified fund,（The fund association
User's operation is limited in view, the fund is diverted, but allows third party to be withheld）Complete to pay；
B. third party according to Transaction Information and trading rules, the fund share to the limitation withholds, to businessman pay goods
Money, that is, complete transaction.
9. as described in claim 1,6, it is characterised in that the fund share of the limitation obtains income, Gui Yong during concluding the business
Family owns, and user may be selected income deposit position or extracting mode.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710163442.1A CN106934609A (en) | 2017-03-19 | 2017-03-19 | A kind of method that network trading pays |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710163442.1A CN106934609A (en) | 2017-03-19 | 2017-03-19 | A kind of method that network trading pays |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106934609A true CN106934609A (en) | 2017-07-07 |
Family
ID=59433701
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710163442.1A Pending CN106934609A (en) | 2017-03-19 | 2017-03-19 | A kind of method that network trading pays |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108038683A (en) * | 2017-12-08 | 2018-05-15 | 上海壹账通金融科技有限公司 | Method of payment, payment system and readable storage medium storing program for executing based on two class accounts |
| CN108520408A (en) * | 2018-04-10 | 2018-09-11 | 平安科技（深圳）有限公司 | Automatic deduction replacing method and system for daily payment based on fund share redemption |
| CN110874800A (en) * | 2019-11-08 | 2020-03-10 | 腾讯科技（深圳）有限公司 | Data transfer method and device, electronic equipment and computer readable storage medium |
| CN112990901A (en) * | 2019-12-13 | 2021-06-18 | 腾讯科技（深圳）有限公司 | Payment processing method, payment processing device, terminal, server and storage medium |
| CN117151702A (en) * | 2023-11-01 | 2023-12-01 | 上海大智慧财汇数据科技有限公司 | Cross-system payment method and system based on money-based fund real-time transfer |
-
2017
- 2017-03-19 CN CN201710163442.1A patent/CN106934609A/en active Pending
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108038683A (en) * | 2017-12-08 | 2018-05-15 | 上海壹账通金融科技有限公司 | Method of payment, payment system and readable storage medium storing program for executing based on two class accounts |
| WO2019109956A1 (en) * | 2017-12-08 | 2019-06-13 | 深圳壹账通智能科技有限公司 | Category ii account-based payment method, payment system, and readable storage medium |
| CN108520408A (en) * | 2018-04-10 | 2018-09-11 | 平安科技（深圳）有限公司 | Automatic deduction replacing method and system for daily payment based on fund share redemption |
| WO2019196232A1 (en) * | 2018-04-10 | 2019-10-17 | 平安科技（深圳）有限公司 | Share redemption, transfer and payment based automatic withholding method and system for daily payment |
| CN108520408B (en) * | 2018-04-10 | 2023-03-31 | 平安科技（深圳）有限公司 | Automatic deduction replacing method and system for daily payment based on fund share redemption |
| CN110874800A (en) * | 2019-11-08 | 2020-03-10 | 腾讯科技（深圳）有限公司 | Data transfer method and device, electronic equipment and computer readable storage medium |
| CN110874800B (en) * | 2019-11-08 | 2023-10-20 | 腾讯科技（深圳）有限公司 | Data transfer method, device, electronic equipment and computer readable storage medium |
| CN112990901A (en) * | 2019-12-13 | 2021-06-18 | 腾讯科技（深圳）有限公司 | Payment processing method, payment processing device, terminal, server and storage medium |
| CN117151702A (en) * | 2023-11-01 | 2023-12-01 | 上海大智慧财汇数据科技有限公司 | Cross-system payment method and system based on money-based fund real-time transfer |
| CN117151702B (en) * | 2023-11-01 | 2024-02-13 | 上海大智慧财汇数据科技有限公司 | Cross-system payment method and system based on money-based fund real-time transfer |
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Application publication date: 20170707 |