CN106952116A - Platform exchange information processing method and its system - Google Patents
Platform exchange information processing method and its system Download PDFInfo
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- CN106952116A CN106952116A CN201710172119.0A CN201710172119A CN106952116A CN 106952116 A CN106952116 A CN 106952116A CN 201710172119 A CN201710172119 A CN 201710172119A CN 106952116 A CN106952116 A CN 106952116A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The invention discloses a kind of platform exchange information processing method, platform exchange information processing method is applied to server, and server is connected with user terminal and third party's client communication respectively, and platform exchange information processing method comprises the following steps：When detecting the platform transaction request of user terminal, server output information inputting interface is to user terminal for user input platform Transaction Information, platform Transaction Information of the server based on user input, generate respective transaction agreement, so that user confirms signature trade agreement, server sets up the connection with third party's client according to the trade agreement of signature, to aid in user terminal, third party's client to carry out platform transaction.The invention also discloses platform exchange information processing method correspondence system.Make the Capital Flow of medium-sized and small enterprises more convenient by using platform exchange information processing method and system.
Description
Technical field
The present invention relates to platform data process field, more particularly to platform exchange information processing method and its system.
Background technology
The fast development in recent years of internet finance, occurs in that the various data processing platform (DPP)s using internet as medium；Data
Processing platform carries out the processing of platform transaction business using internet and obtains interests.
Existing various data processing platform (DPP)s are mainly at present：Supply chain data processing platform (DPP), supply chain finance is with core
Heart enterprise is point of penetration, by bundling to information flow, logistics, effective control of cash flow or to the responsibility of strong affiliated party,
The financing services of supplier, dealer for core enterprise's upstream and downstream Long-term Collaboration；However, and in the absence of for medium and small enterprise
The special platform transaction platform of industry, existing platform transaction platform primarily directed to large enterprise, to public's fund-raising without
It can consider that the actual conditions that medium-sized and small enterprises develop make effective platform trading processing.
The above is only used for auxiliary and understands technical scheme, does not represent and recognizes that the above is existing skill
Art.
The content of the invention
It is a primary object of the present invention to provide a kind of platform exchange information processing method and its system, it is intended to solve medium and small
The problem of processing of type corporate finances is difficult.
To achieve the above object, a kind of platform exchange information processing method that the present invention is provided, the processing of platform Transaction Information
Method is applied to server, and server is connected with user terminal and third party's client communication respectively, platform Transaction Information processing side
Method comprises the following steps：
When detecting the platform transaction request of user terminal, server output information inputting interface to user terminal is for user
Input platform Transaction Information；
Platform Transaction Information of the server based on user input, generates respective transaction agreement, so that user confirms that signature is handed over
Easy agreement；
Server sets up the connection with third party's client, to aid in user terminal, third party according to the trade agreement of signature
Client carries out platform transaction.
Alternatively, platform Transaction Information of the server based on user input, generates respective transaction agreement, so that user confirms
The step of signature trade agreement, includes：
Platform Transaction Information of the server based on user input, to subscriber authentication, Assets Analyst and risk assessment；
According to the authentication of user terminal, Assets Analyst and risk evaluation result, judge whether to aid in the platform of user terminal
Transaction；
If server determines the platform transaction of auxiliary user terminal, respective transaction agreement is generated, so that user confirms to sign
Trade agreement.
Alternatively, if server determines the platform transaction of auxiliary user terminal, respective transaction agreement is generated, so that user is true
Recognizing signature trade agreement step includes：
If server determines the platform transaction of auxiliary user terminal, the platform Transaction Information inputted based on user terminal, selection
Start platform data tupe generation transaction data；
Server is by the transaction data authentication of generation and generates corresponding trade agreement, so that user confirms signature transaction association
View.
Alternatively, platform Transaction Information of the server based on user input, generates respective transaction agreement, so that user confirms
Include after the step of signature trade agreement：
Server judges whether user terminal correspondence enterprise needs to carry out stream tube to platform tradable commodity according to trade agreement
Reason；
If user terminal correspondence enterprise needs to carry out logistics management to platform tradable commodity, generation logistics management agreement is corresponded to
And logistics management is set for platform tradable commodity.
Alternatively, server sets up the connection with third party's client, to aid in user according to the trade agreement of signature
The step of end, third party's client carry out platform transaction includes：
Server determines third party's client and set up with third party's client to be connected according to the trade agreement of signature；
Server is based on trade agreement, and platform Transaction Information is confirmed with third party's client, and user terminal, third party is objective
The platform Transaction Information at family end is integrated there is provided platform terms of trade, to aid in user terminal, third party's client platform to hand over
Easily.
In addition, to achieve the above object, the present invention also provides a kind of platform busines sinformation processing/system, platform Transaction Information
Processing system includes data processing platform (DPP), and platform busines sinformation processing/system is applied to server, user terminal, third party client
End, the data processing platform (DPP) of the platform busines sinformation processing/system includes：
Transaction request module, for when detecting the platform transaction request of user terminal, server output information to input boundary
Face is to user terminal for user input platform Transaction Information；
Protocol generation module, for platform Transaction Information of the server based on user input, generates respective transaction agreement, with
Confirm signature trade agreement for user；
Transaction modules are aided in, for trade agreement of the server according to signature, the connection with third party's client are set up, with
User terminal, third party's client is aided in carry out platform transaction.
Alternatively, protocol generation module includes：
Analytic unit is verified, for platform Transaction Information of the server based on user input, to subscriber authentication, assets
Analysis and risk assessment；
Judge auxiliary unit, for the authentication according to user terminal, Assets Analyst and risk evaluation result, judge whether
Aid in the platform transaction of user terminal；
Protocol generation unit, if determining the platform transaction of auxiliary user terminal for server, generates respective transaction agreement,
So that user confirms signature trade agreement.
Alternatively, protocol generation unit is additionally operable to：
If server determines the platform transaction of auxiliary user terminal, the platform Transaction Information inputted based on user terminal, selection
Start platform data tupe generation transaction data；
Server is by the transaction data authentication of generation and generates corresponding trade agreement, so that user confirms signature transaction association
View.
Alternatively, platform busines sinformation processing/system also includes logistics management platform, and logistics management platform includes：
Logistics module is determined, for server according to trade agreement, judges whether user terminal correspondence enterprise is needed to platform
Tradable commodity carries out logistics management；
Logistics management module is right if needing to carry out platform tradable commodity logistics management for user terminal correspondence enterprise
Logistics management agreement should be generated and logistics management is set for platform tradable commodity.
Alternatively, auxiliary transaction modules include：
Connection unit is set up, for trade agreement of the server according to signature, third party's client and and third party is determined
Client sets up connection；
Transaction integral unit, trade agreement is based on for server, and platform Transaction Information is confirmed with third party's client, and
The platform Transaction Information of user terminal, third party's client is integrated there is provided platform terms of trade, to aid in user terminal,
Tripartite's client platform is merchandised.
The present invention provides a kind of platform exchange information processing method and system, and platform exchange information processing method is applied to clothes
Business device, server is connected with user terminal and third party's client communication, in platform exchange information processing method, detected respectively
During the platform transaction request of user terminal, server output information inputting interface to user terminal is merchandised for user input platform to be believed
Breath, platform Transaction Information of the server based on user input generates respective transaction agreement, so that user confirms signature transaction association
View, server sets up the connection with third party's client, to aid in user terminal, third party client according to the trade agreement of signature
End carries out platform transaction；When the logistics management of platform tradable commodity occurs in user terminal, logistics management platform is provided for client,
Go forward side by side the logistics managements of the product of doing business, server is middle-size and small-size after qualification testing is carried out to the corresponding medium-sized and small enterprises of user terminal
Enterprise provides fund, makes medium-sized and small enterprises' flow of fund more convenient, accelerates the development of enterprise, in middle-size and small-size industry pad
Data processing platform (DPP) can carry out supervision control etc., data processing platform (DPP) number of deals to its logistics when the fund of paying generation buying
According to processing contribute to medium-sized and small enterprises faster and better to develop.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of the embodiment of platform exchange information processing method one of the present invention；
Fig. 2 is the step S20 of platform exchange information processing method in Fig. 1 refinement schematic flow sheet；
Fig. 3 is the schematic flow sheet of another embodiment of platform exchange information processing method of the present invention；
Fig. 4 is the step S30 of platform exchange information processing method in Fig. 1 refinement schematic flow sheet；
Fig. 5 is budget and balance pattern diagram in platform Transaction Information handling process of the present invention；
Fig. 6 is thing control pattern diagram of being stored goods in platform Transaction Information handling process of the present invention；
Fig. 7 be platform Transaction Information handling process of the present invention in pay out thing control pattern diagram；
Fig. 8 adopts model process schematic diagram for generation of being provided loans in platform Transaction Information handling process of the present invention；
Fig. 9 is financing lease pattern diagram in platform Transaction Information handling process of the present invention；
Figure 10 is the specific embodiment schematic diagram of a scenario of platform exchange information processing method of the present invention and system；
Figure 11 is the high-level schematic functional block diagram of platform busines sinformation processing/system first embodiment of the present invention；
Figure 12 illustrates for the refinement functional module of protocol generation module 120 in platform busines sinformation processing/system in Figure 11
Figure；
Figure 13 illustrates for the refinement functional module of auxiliary transaction modules 130 in platform busines sinformation processing/system in Figure 11
Figure.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that specific embodiment described herein is not intended to limit the present invention only to explain the present invention.
The present invention provides a kind of platform exchange information processing method and system.
Specifically, data processing platform (DPP) is exactly that enterprise needs or investment needs to be reached for the financing of enterprise in itself,
And the independent enterprise deliberately designed, the main business of this enterprise is exactly for the overall credit requirement of enterprise or investment
Easily condition is provided.It is related to server in a kind of platform exchange information processing method proposed in the present invention, mainly
, can root when user proposes platform transaction request in order to receive the platform transaction request of client, and processing platform transaction data
Corresponding platform trade agreement, server process platform trade agreement, according to trade agreement and third party are formed according to transaction request
Client sets up contact, and aids in user terminal, third party's client to complete platform transaction；Figure 10 is platform Transaction Information of the present invention
The concrete scene schematic diagram of processing method and system, the funds tied up of current mobile phone brand shop (or match somebody with somebody mobile phone than larger
Part) to be sold by the way of automatic vending machine, automatic vending machine is managed by operator, and they have purchase channel, by providing
We provide loans, third party's clearing of payment and settlement docking capital side, and to accelerate the type of flow of fund, this method is the first stage
Mobile phone is put into automatic vending machine, then automatic vending machine is placed into shops, to can have demand when salesman to automatic vending machine
Picking, the concept for thus importing micro- storehouse to client solves the problems, such as mobile phone shop financial pressure, the substantially supply chain finance of operator；
Cellphone Accessories are put into automatic vending machine by second stage, and user can be directly using existing means of payment payment picking；3rd
Mobile phone is put into automatic vending machine by the stage, and automatic vending machine is put into mobile phone experience shop, and user directly can be paid using existing
Mode is paid the bill picking, is so weakened shops's marketing function, is added Consumer's Experience function, shops can reduce human cost and enter
And additional income.
Reference picture 1, Fig. 1 is a kind of step schematic flow sheet of platform exchange information processing method, in the first embodiment,
A kind of platform exchange information processing method, platform exchange information processing method be applied to server, server respectively with user
End and the connection of third party's client communication, platform exchange information processing method comprise the following steps：
Step S10, when detecting the platform transaction request of user terminal, server output information inputting interface to user terminal
For user input platform Transaction Information；
Specifically, the platform exchange information processing method proposed in the present invention, user terminal (user terminal is passed through in user：Move
Dynamic terminal device, PC ends etc., without specific finite form, can carry out radio communication) platform transaction request is sent to server,
When server detects the platform transaction request of user terminal, display information inputting interface, for user input platform Transaction Information,
Reference picture 5, the supplier of mobile phone, agent, service provider send platform transaction request to server data processing platform, due to existing
Some part merchandise sales use (account phase account phase：Refer to that product is first put into business hall sale by supplier, agent, service provider,
Business hall does not pay or paid the fund of the less amount of money, and product payment is carried out again after business hall sale portioned product) side
Formula, causes the fund of supplier to hold up, the corresponding supplier of user terminal makes platform transaction request to data processing platform (DPP), please
Server data processing platform is settled accounts to business hall remittance for the proceeds.
Step S20, platform Transaction Information of the server based on user input generates respective transaction agreement, so that user is true
Recognize signature trade agreement；
Platform Transaction Information of the server based on user input, reference picture 5, supplier, agent, service provider are to server
Corresponding data processing platform application advance payment, data processing platform (DPP) is according to accounts payable situation (accounts payable situation：Can by with
The corresponding supplier in family end, agent, service provider provide, and can also be provided by third party's client, and server data processing is flat
Platform is verified to it, prevents counterfeit), server generates respective transaction agreement according to the platform Transaction Information of user input, with
Confirm signature trade agreement for user.
Step S30, server is set up with third party's client and is connected according to the trade agreement of signature, with aid in user terminal,
Third party's client carries out platform transaction.
After user's signature trade agreement, server determines third party's client according to the trade agreement of signature, and with the
Tripartite's client sets up connection, and server is according to trade agreement, and the trade agreement inputted according to user terminal determines third party client
End, and need the platform for aiding in user terminal to complete to merchandise, the purpose of server platform data processing is provided to solve user terminal
The problem of golden shortage, by the Transaction Information of user terminal, the data in Transaction Information are extracted, carry out data operation selection and be applicable
Trade mode.
Such as, third party's client is needed the fund paid to carry out budget and balance, is downstream business in user terminal by auxiliary user terminal
Family needs to buy a collection of commodity but fund has difficulties, then server is provided with funds for user terminal, or commercially available from the supply of material of upstream
Enter commodity, be stored in supervision warehouse, and the supply downstream trade company of batch and therefrom obtain corresponding service charge, i.e. here
Tripartite's client as shown in figure 5, the business hall such as movement, telecommunications, based on contract, the information such as order, invoice, confirm that business hall should
The amount of money paid the bill to the corresponding supplier of user terminal, agent, service provider, server data processing platform first enters to user terminal
Row advance payment (data processing platform (DPP) according to the amount of money of accounts payable, deduct partial service and take by time limit etc.), in third party's client
After funds on account expire, directly pay rather than pay the bill to data processing platform (DPP) and arrive supplier, agent, service provider, server passes through
The platform trade agreement auxiliary user terminal of signing, third party's client carry out platform transaction.
A kind of platform exchange information processing method is proposed in the present embodiment, and the platform for detecting user terminal in server is handed over
When easily asking, server output information inputting interface to user terminal is for user input platform Transaction Information, and server is based on using
The platform Transaction Information of family input, generates respective transaction agreement, and so that user confirms signature trade agreement, server is according to signature
Trade agreement, set up with the connection of third party's client, to aid in user terminal, third party's client to carry out platform transaction；This
Invention receives the platform transaction request of user terminal using the data processing platform (DPP) of server, forms flat according to platform transaction request
Platform trade agreement, and be connected with the foundation of third party's client, auxiliary user terminal, third party's client carry out platform transaction, reduce
The fund of the corresponding medium-sized and small enterprises of user terminal is held up, and has ensured the convenience of medium-sized and small enterprises' Capital Flow.
Reference picture 2, step S20 includes in platform exchange information processing method of the present invention：
Step S21, platform Transaction Information of the server based on user input, to subscriber authentication, Assets Analyst and wind
Assess danger；
Server carries out authentication to the enterprise of user terminal, (that is, serviced according to the platform Transaction Information of user input
Device authentication passes through four cards：National tax registration card, land tax registration card, licence for opening accounts, organization mechanism code card, one shines：Business
License), after enterprise carries out authentication, according to the type of transaction being related in platform transaction request, enterprise assets are analyzed
With risk assessment.
Step S22, according to the authentication of user terminal, Assets Analyst and risk evaluation result, judges whether to aid in user
The platform transaction at end；
In authentication (authentication of the server according to user terminal correspondence enterprise：Including the credibility point to its enterprise
Analysis, business license registration it is whether consistent with actual management functions), (Assets Analyst includes Assets Analyst：Asset structure, movable property, no
The analysis of the actual conditions such as movable property) and risk assessment (risk assessment：The risk assessment of platform transaction risk, enterprise operation state)
As a result, by the financial request of user terminal correspondence enterprise, the risk for doing platform transaction is assessed, and judges whether to aid in the flat of user terminal
Platform is merchandised, if user terminal correspondence enterprise authentication is qualified, enterprise assets in default value, enterprise assets belong to benign money
Production, business risk assessment risk is smaller, then the platform transaction of server- aided user terminal, if conversely, user terminal correspondence enterprise
Authentication is unqualified, enterprise assets exceed default value, the non-benign assets of enterprise assets, business risk assess risk compared with
Greatly, then server does not aid in the platform of user terminal to merchandise.
Step S23, if server determines the platform transaction of auxiliary user terminal, generates respective transaction agreement, for user
Confirm signature trade agreement.
If server determines the platform transaction of auxiliary user terminal (it should be noted that server here determines that auxiliary is used
The platform transaction of family end correspondence enterprise, can be that the data processing platform (DPP) enterprise directly corresponding with user terminal of server carries out platform
Transaction, but final purpose be user terminal business capital it is more convenient), server then generates respective transaction agreement, for
Family confirms that signature trade agreement realizes the step of platform is merchandised.
In the present embodiment, authentication is carried out to the enterprise of user terminal in server, after Assets Analyst risk assessment, sentenced
It is disconnected whether to aid in user terminal to carry out platform transaction, if server determines the platform transaction of auxiliary user terminal, generate respective transaction
Agreement, so that user confirms signature trade agreement, in the present embodiment, server carries out identity to user terminal correspondence enterprise and tested
Card, further to carrying out Assets Analyst and risk assessment after authentication, and judges whether and user according to analysis result
End correspondence enterprise carries out platform and merchandises to form trade agreement, and data processing platform (DPP) financing is ensure that using the method for the present embodiment
Security.
In the present embodiment, step S23 includes in platform exchange information processing method：
Step S231, if server determines the platform transaction of auxiliary user terminal, the platform transaction inputted based on user terminal
Information, selection starts platform data tupe generation transaction data；
If server determines the platform transaction of auxiliary user terminal, server is merchandised based on the platform that user terminal is inputted to be believed
Breath, selection starts platform data tupe generation transaction data, i.e. server obtains the Transaction Information of user terminal input, from
Middle extraction transaction data, and transaction data is subjected to computing according to certain rule, the trade mode of user terminal is determined, in this reality
The platform trade mode species for applying server in example is varied, and the data processing platform (DPP) of server can be user terminal correspondence enterprise
Different platform trade modes are provided：
Budget and balance (factoring) pattern as shown in Figure 5, data processing platform (DPP) is to supplier, agent, partner to goods
Settled accounts in advance, after accounts receivable expires, collect accounts receivable and therefrom collect a small amount of service charge.
Thing control pattern of storing goods as shown in Figure 6, upstream supplier downstream trade company's sale a batch of goods, upstream supplier needs
Quick returned money is wanted, but downstream trade company can not pay now, data processing platform (DPP) is according to default cost (default cost：Goods valency
The 80%-90% of money) supervision warehouse is put into from upstream supplier buying goods, downstream trade company is specified from data processing platform (DPP) in upstream
Delivery of cargo, downstream trade company picks up goods the corresponding cost of payment every time, in goods data processing platform (DPP) upstream supplier post sales completely
Supply remaining cost.
As shown in Figure 7 pays out thing control pattern (or generation of providing loans adopts pattern), i.e. downstream trade company upstream supplies commercially available
Goods, but insufficient funds, and upstream supplier directly can not market the goods to data processing platform (DPP), downstream trade company is to data processing
Platform pays the guarantee fund (guarantee fund of preset cost of preset cost：The 10%-20% of commodity value), by data processing platform (DPP)
For downstream trade company, upstream supplier is paid the bill, and warehouse is supervised in the delivery of goods to data processing platform (DPP), and has data processing platform (DPP) to enjoy
There is title to the goods, downstream trade company pays payment for goods and service charge and (reference picture 8, when generation of providing loans adopts of picking up goods to data processing platform (DPP)
Schematic flow sheet).
Financing lease pattern as shown in Figure 9, data processing platform (DPP) is closed to supplier's purchase goods formation lease dealing
Together, data processing platform (DPP) is leased to tenant to by the lease bought, and forms contracts for financial lease, and wherein data processing is put down
Platform pays payment for goods to supplier, and lease is directly delivered to and chartered to data processing platform (DPP) payment or rent, supplier by tenant
People.
The platform Transaction Information that server is inputted according to user terminal, determines platform trade mode, and flat according to selection startup
Platform data processing mode generates transaction data (it should be noted that the corresponding platform trade mode of server data processing platform
It can be adjusted according to user's request).
Step S232, server is by the transaction data authentication of generation and generates corresponding trade agreement, so that user confirms
Sign trade agreement.
Server is by the transaction data authentication of generation and generates corresponding trade agreement, and friendship is checked by the corresponding enterprise of user terminal
Easy agreement simultaneously confirms to sign trade agreement, it is necessary to which supplementary notes are the thing control moulds of storing goods as shown in Figure 6 in step S231
Formula, as shown in Figure 7 pays out thing control pattern and proper user terminal and third party's client is not present, in the present invention
User terminal and third party's client there may be it is several, or user terminal and third party's client can be mutual conversion.
The platform transaction of auxiliary user terminal is determined in server in the present embodiment, then the platform transaction based on user input
Information, selection starts platform data tupe generation transaction data, and server is by the transaction data authentication of generation and generates phase
The trade agreement answered, so that user confirms signature trade agreement；Server can be selected according to Transaction Information in the present embodiment
Different platform data tupes are calculated, and select different modes to form trade agreement, such method make user terminal,
The platform transaction form of third party's client is more flexible, and fund is more convenient.
Reference picture 3, in an alternative embodiment of the invention, platform exchange information processing method also include：
Step S40, server judges whether user terminal correspondence enterprise needs to enter platform tradable commodity according to trade agreement
Row logistics management；
Shown in reference picture 6 or Fig. 7, goods is there may be in platform process of exchange according to trade agreement for server
Situations such as transfer of memory space, change of ownership, server judges user terminal pair according to the platform trade agreement of user terminal
Answer whether enterprise needs to carry out logistics management to platform tradable commodity, the commodity being related to are supervised, by server process
Server controls commodity are stored as data processing platform (DPP) and the platform of logistics management are used as stream tube by the platform of Transaction Information
Platform, data processing platform (DPP) is connected with logistics management platform information, and logistics management platform can be for data processing platform (DPP)
Data are responded, i.e. data processing platform (DPP) is needed using warehouse is supervised, then logistics management platform arranges corresponding supervision storehouse
Storehouse, stream tube is patted after the data of data processing platform (DPP) are received, and can control the delivery of commodity.
Step S50, if user terminal correspondence enterprise needs to carry out logistics management to platform tradable commodity, corresponds to generation logistics
Management agreement simultaneously sets logistics management for platform tradable commodity.
If user terminal correspondence enterprise needs to carry out logistics management to platform tradable commodity, server enters to the type of goods
Row classification, generates corresponding logistics management agreement (logistics management agreement：, can for the corresponding supervision warehouse of data processing platform (DPP)
So that including information such as delivery availability, addresses, data processing platform (DPP) can send ship directive to supervision warehouse), and be platform transaction
Commodity set logistics management, so as to user terminal, the commodity circulation of third party's client.
Server judges whether user terminal correspondence enterprise is needed to platform trader according to trade agreement in the present embodiment
Product carry out logistics management, if user terminal correspondence enterprise needs to carry out logistics management to platform tradable commodity, correspond to generation logistics
Management agreement simultaneously sets logistics management for platform tradable commodity；Data processing platform (DPP) and supervision of the cargo warehouse are straight in the present embodiment
Docking is connect, when there are the management request for commodity logistics in user terminal, third party's client correspondence enterprise, correspondence is can be formed directly in
Managing physical distribution of merchandise agreement, a kind of platform exchange information processing method of the invention, not only for platform data, while can be
The goods of platform transaction is managed, and is specified the handling process of goods, is made the division of responsibility clearer.
Reference picture 4, includes in platform exchange information processing method step S30 of the present invention：
Step S31, server determines third party's client and set up with third party's client according to the trade agreement of signature
Connection；
After user's signature trade agreement, server determines third party's client according to the trade agreement of signature, i.e. clothes
Device be engaged in by the trade agreement with medium-sized and small enterprises, determine third party's client for being related in platform transaction and with third party visitor
Connection is set up at family, and specifically, data processing platform (DPP) is signed an agreement with downstream trade company, is agreed according to the supply of material of protocol contents upstream
Purchase commodity.
Step S32, server be based on trade agreement, with third party's client confirm platform Transaction Information, and by user terminal,
The platform Transaction Information of third party's client is integrated there is provided platform terms of trade, to aid in user terminal, third party's client
Platform is merchandised.
Server is based on trade agreement, confirms platform Transaction Information with third party's client, i.e. server may relate to
New contract is set up with third party's client, or server is signed to third party's client display data processing platform and user
Platform trade agreement, server is integrated the platform Transaction Information of user terminal, third party's client, (that is, server is most
The situation of time, amount of funds and manpower and materials being related in whole platform process of exchange is determined eventually) there is provided platform transaction
Condition (terms of trade：The platform data for being primarily referred to as a number of fund or other forms arranges situation), to aid in using
Family end, the transaction of third party's client platform.
Server is according to the trade agreement of signature in the present embodiment, determine third party's client and with third party's client
Connection is set up, server is based on trade agreement, and platform Transaction Information is confirmed with third party's client, and by user terminal, third party
The platform Transaction Information of client is integrated there is provided platform terms of trade, to aid in user terminal, third party's client platform to hand over
Easily；Server is by the trade agreement set up with client in the present embodiment, determines the 3rd client, and with the 3rd client
Contact is set up, finally realizes that platform is merchandised, by server and the relation of third party's client, allows user terminal real quickly
Existing platform transaction, the data processing merchandised using platform completes to finance, and accelerates the Capital Flow of medium-sized and small enterprises.
Reference picture 11, in a kind of first embodiment of platform busines sinformation processing/system of the invention, platform Transaction Information
Processing system includes data processing platform (DPP), and platform busines sinformation processing/system is applied to server, user terminal, third party client
End, the data processing platform (DPP) 100 of the platform busines sinformation processing/system includes：
Transaction request module 110, for when detecting the platform transaction request of user terminal, server output information to be inputted
Interface is to user terminal for user input platform Transaction Information；
Specifically, the platform busines sinformation processing/system proposed in the present invention, user terminal (user terminal is passed through in user：Move
Dynamic terminal device, PC ends etc., without specific finite form, can carry out radio communication) platform transaction request is sent to server,
When server transaction request module 110 detects the platform transaction request of user terminal, display information inputting interface, so that user is defeated
Enter platform Transaction Information, reference picture 5, the supplier of mobile phone, agent, service provider send platform to server data processing platform
Transaction request, because existing part merchandise sales use mode (the account phase of account phase：Refer to that supplier, agent, service provider incite somebody to action
Product is first put into business hall sale, and business hall does not pay or paid the fund of the less amount of money, business hall sale portioned product
Carry out product payment again afterwards), cause the fund of supplier to hold up, user terminal corresponding supplier make to data processing platform (DPP)
Platform transaction request, asks server data processing platform to settle accounts business hall remittance for the proceeds.
Protocol generation module 120, for platform Transaction Information of the server based on user input, generation respective transaction association
View, so that user confirms signature trade agreement；
Platform Transaction Information of the server protocol generation module 120 based on user input, reference picture 5, supplier, agency
Business, service provider are to server corresponding data processing platform application advance payment, and data processing platform (DPP) (is dealt with according to accounts payable situation
Funds on account situation：It can be provided, can also be provided by third party's client by the corresponding supplier of user terminal, agent, service provider,
Server data processing platform is verified to it, prevents counterfeit), server is generated according to the platform Transaction Information of user input
Respective transaction agreement, so that user confirms signature trade agreement.
Transaction modules 130 are aided in, for trade agreement of the server according to signature, sets up and is connected with third party's client,
To aid in user terminal, third party's client to carry out platform transaction.
After user's signature trade agreement, server determines third party's client according to the trade agreement of signature, and with the
Tripartite's client sets up connection, and server is according to trade agreement, and the trade agreement inputted according to user terminal determines third party client
End, and need the platform for aiding in user terminal to complete to merchandise, the purpose of server platform data processing is provided to solve user terminal
The problem of golden shortage, by the Transaction Information of user terminal, the data in Transaction Information are extracted, carry out data operation selection and be applicable
Trade mode.
Such as, third party's client is needed the fund paid to carry out budget and balance, is downstream business in user terminal by auxiliary user terminal
Family needs to buy a collection of commodity but fund has difficulties, then server is provided with funds for user terminal, or commercially available from the supply of material of upstream
Enter commodity, be stored in supervision warehouse, and the supply downstream trade company of batch and therefrom obtain corresponding service charge, i.e. here
Tripartite's client as shown in figure 5, the business hall such as movement, telecommunications, based on contract, the information such as order, invoice, confirm that business hall should
The amount of money paid the bill to the corresponding supplier of user terminal, agent, service provider, server data processing platform first enters to user terminal
Row advance payment (data processing platform (DPP) according to the amount of money of accounts payable, deduct partial service and take by time limit etc.), in third party's client
After funds on account expire, directly pay rather than pay the bill to data processing platform (DPP) and arrive supplier, agent, service provider, server passes through
The platform trade agreement auxiliary user terminal of signing, third party's client carry out platform transaction.
A kind of platform busines sinformation processing/system is proposed in the present embodiment, and use is detected in server data processing platform
During the platform transaction request at family end, server output information inputting interface to user terminal for user input platform Transaction Information,
Platform Transaction Information of the server based on user input, generates respective transaction agreement, so that user confirms signature trade agreement, clothes
Business device sets up the connection with third party's client according to the trade agreement of signature, to aid in user terminal, third party's client to carry out
Platform is merchandised；The present invention receives the platform transaction request of user terminal using the data processing platform (DPP) of server, is handed over according to platform
Easily request forms platform trade agreement, and is connected with the foundation of third party's client, and auxiliary user terminal, third party's client are put down
Platform is merchandised, and the fund for reducing the corresponding medium-sized and small enterprises of user terminal is held up, and has ensured the convenience of medium-sized and small enterprises' Capital Flow.
Reference picture 12, platform busines sinformation processing/system in the present embodiment, protocol generation module 120 includes：
Verify analytic unit 121, for platform Transaction Information of the server based on user input, to subscriber authentication,
Assets Analyst and risk assessment；
Server authentication analytic unit 121 carries out body according to the platform Transaction Information of user input to the enterprise of user terminal
Part checking, (that is, server authentication passes through four cards：National tax registration card, land tax registration card, licence for opening accounts, organization's generation
Code card, one shines：Business license), after enterprise carries out authentication, according to the type of transaction being related in platform transaction request,
To enterprise assets analysis and risk assessment.
Judge auxiliary unit 122, for the authentication according to user terminal, Assets Analyst and risk evaluation result, judge
The platform of user terminal whether is aided in merchandise；
Judge authentication (authentication of the auxiliary unit 122 according to user terminal correspondence enterprise in server：Including to it
Enterprise credibility analysis, business license registration it is whether consistent with actual management functions), (Assets Analyst includes Assets Analyst：Money
Produce the analysis of the actual conditions such as structure, movable property, real estate) and risk assessment (risk assessment：Platform transaction risk, enterprise operation
The risk assessment of state) result, by the financial request of user terminal correspondence enterprise, the risk for doing platform transaction is assessed, and judgement is
The platform transaction of no auxiliary user terminal, if user terminal correspondence enterprise authentication is qualified, enterprise assets in default value, enterprise
Industry assets belong to benign assets, and business risk assessment risk is smaller, then the platform transaction of server- aided user terminal, conversely,
If the authentication of user terminal correspondence enterprise is unqualified, enterprise assets exceed default value, the non-benign assets of enterprise assets, enterprise
Risk assessment risk is larger, then server does not aid in the platform of user terminal to merchandise.Protocol generation unit 123, if for servicing
Device determines the platform transaction of auxiliary user terminal, then generates respective transaction agreement, so that user confirms signature trade agreement.
If server protocol generation unit 123 determines that the platform of auxiliary user terminal is merchandised (it should be noted that clothes here
Be engaged in device determine auxiliary user terminal correspondence enterprise platform transaction, can be server data processing platform (DPP) directly with user terminal pair
Answer enterprise carry out platform transaction, but final purpose be user terminal business capital it is more convenient), server then generates respective quadrature
Easy agreement, so that user confirms that signature trade agreement realizes the step of platform is merchandised.
In the present embodiment, authentication is carried out to the enterprise of user terminal in server, after Assets Analyst risk assessment, sentenced
It is disconnected whether to aid in user terminal to carry out platform transaction, if server determines the platform transaction of auxiliary user terminal, generate respective transaction
Agreement, so that user confirms signature trade agreement, in the present embodiment, server carries out identity to user terminal correspondence enterprise and tested
Card, further to carrying out Assets Analyst and risk assessment after authentication, and judges whether and user according to analysis result
End correspondence enterprise carries out platform and merchandises to form trade agreement, and data processing platform (DPP) financing is ensure that using the method for the present embodiment
Security.
Reference picture 12, in a kind of platform busines sinformation processing/system of the invention, protocol generation unit 123 is additionally operable to：
If server determines the platform transaction of auxiliary user terminal, server is merchandised based on the platform that user terminal is inputted to be believed
Breath, selection starts platform data tupe generation transaction data；
If server protocol generation unit 123 determines the platform transaction of auxiliary user terminal, based on putting down that user terminal is inputted
Platform Transaction Information, selection starts platform data tupe generation transaction data, i.e. server obtains the transaction of user terminal input
Information, therefrom extracts transaction data, and transaction data is carried out into computing according to certain rule, determines the transaction mould of user terminal
Formula, the platform trade mode species of server is varied in the present embodiment, and the data processing platform (DPP) of server can be user
End correspondence enterprise provides different platform trade modes：
Budget and balance (factoring) pattern as shown in Figure 5, data processing platform (DPP) is to supplier, agent, partner to goods
Settled accounts in advance, after accounts receivable expires, collect accounts receivable and therefrom collect a small amount of service charge.
Thing control pattern of storing goods as shown in Figure 6, upstream supplier downstream trade company's sale a batch of goods, upstream supplier needs
Quick returned money is wanted, but downstream trade company can not pay now, data processing platform (DPP) is according to default cost (default cost：Goods valency
The 80%-90% of money) supervision warehouse is put into from upstream supplier buying goods, downstream trade company is specified from data processing platform (DPP) in upstream
Delivery of cargo, downstream trade company picks up goods the corresponding cost of payment every time, in goods data processing platform (DPP) upstream supplier post sales completely
Supply remaining cost.
As shown in Figure 7 pays out thing control pattern (or generation of providing loans adopts pattern), i.e. downstream trade company upstream supplies commercially available
Goods, but insufficient funds, and upstream supplier directly can not market the goods to data processing platform (DPP), downstream trade company is to data processing
Platform pays the guarantee fund (guarantee fund of preset cost of preset cost：The 10%-20% of commodity value), by data processing platform (DPP)
For downstream trade company, upstream supplier is paid the bill, and warehouse is supervised in the delivery of goods to data processing platform (DPP), and has data processing platform (DPP) to enjoy
There is title to the goods, downstream trade company pays payment for goods and service charge and (reference picture 8, when generation of providing loans adopts of picking up goods to data processing platform (DPP)
Schematic flow sheet).
Financing lease pattern as shown in Figure 9, data processing platform (DPP) is closed to supplier's purchase goods formation lease dealing
Together, data processing platform (DPP) is leased to tenant to by the lease bought, and forms contracts for financial lease, and wherein data processing is put down
Platform pays payment for goods to supplier, and lease is directly delivered to and chartered to data processing platform (DPP) payment or rent, supplier by tenant
People.
The platform Transaction Information that server is inputted according to user terminal, determines platform trade mode, and flat according to selection startup
Platform data processing mode generates transaction data (it should be noted that the corresponding platform trade mode of server data processing platform
It can be adjusted according to user's request).
Server is by the transaction data authentication of generation and generates corresponding trade agreement, so that user confirms signature transaction association
View.
Server protocol generation unit 123 is by the transaction data authentication of generation and generates corresponding trade agreement, user terminal
Corresponding enterprise check trade agreement and confirm sign trade agreement, it is necessary to supplementary notes be in protocol generation unit 123,
Thing control pattern of storing goods as shown in Figure 6, it is as shown in Figure 7 to pay out thing control pattern and in the absence of proper user terminal and the
Tripartite's client, user terminal and third party's client there may be several, or user terminal and third party client in the present invention
Hold can be mutual conversion.
The platform transaction of auxiliary user terminal is determined in server in the present embodiment, then the platform transaction based on user input
Information, selection starts platform data tupe generation transaction data, and server is by the transaction data authentication of generation and generates phase
The trade agreement answered, so that user confirms signature trade agreement；Server can be selected according to Transaction Information in the present embodiment
Different platform data tupes are calculated, and select different modes to form trade agreement, such method make user terminal,
The platform transaction form of third party's client is more flexible, and fund is more convenient.
Reference picture 11, in platform busines sinformation processing/system of the present invention, platform busines sinformation processing/system also includes logistics
Management platform 200, the logistics management platform 200 includes：
Logistics module 210 is determined, is used for, server judges whether user terminal correspondence enterprise needs pair according to trade agreement
Platform tradable commodity carries out logistics management；
Server determines logistics module 210 according to trade agreement, shown in reference picture 6 or Fig. 7, in platform process of exchange
Situations such as transfer of the memory space of goods, change of ownership is there may be, server is merchandised according to the platform of user terminal and assisted
View, judges whether user terminal correspondence enterprise needs to carry out logistics management to platform tradable commodity, and the commodity being related to are supervised
Pipe, using the platform of server process Transaction Information as data processing platform (DPP), server controls commodity are stored and logistics management
Platform as logistics management platform, data processing platform (DPP) is connected with logistics management platform information, and logistics management platform can be with pin
Data to data processing platform (DPP) are responded, i.e. data processing platform (DPP) is needed using warehouse is supervised, then logistics management platform is pacified
The corresponding supervision warehouse of row, stream tube is patted after the data of data processing platform (DPP) are received, and can control the delivery of commodity.
Logistics management module 220, if needing to carry out logistics management to platform tradable commodity for user terminal correspondence enterprise,
Correspondence generation logistics management agreement simultaneously sets logistics management for platform tradable commodity.
If user terminal correspondence enterprise needs to carry out logistics management, server logistics management module to platform tradable commodity
The type of 220 pairs of goods is classified, and generates corresponding logistics management agreement (logistics management agreement：For data processing platform (DPP)
Corresponding supervision warehouse, can include the information such as delivery availability, address, and data processing platform (DPP) can send delivery to supervision warehouse and refer to
Make), and logistics management is set for platform tradable commodity, so as to user terminal, the commodity circulation of third party's client.
Server judges whether user terminal correspondence enterprise is needed to platform trader according to trade agreement in the present embodiment
Product carry out logistics management, if user terminal correspondence enterprise needs to carry out logistics management to platform tradable commodity, correspond to generation logistics
Management agreement simultaneously sets logistics management for platform tradable commodity；Data processing platform (DPP) and supervision of the cargo warehouse are straight in the present embodiment
Docking is connect, when there are the management request for commodity logistics in user terminal, third party's client correspondence enterprise, correspondence is can be formed directly in
Managing physical distribution of merchandise agreement, a kind of platform exchange information processing method of the invention, not only for platform data, while can be
The goods of platform transaction is managed, and is specified the handling process of goods, is made the division of responsibility clearer.
Reference picture 13, in platform busines sinformation processing/system of the present invention, auxiliary transaction modules 130 include：
Connection unit 131 is set up, for trade agreement of the server according to signature, third party's client is determined and with the 3rd
Square client sets up connection；
After user's signature trade agreement, server sets up trade agreement of the connection unit 131 according to signature, determines the 3rd
Square client, i.e. server determines the third party client being related in platform transaction by the trade agreement with medium-sized and small enterprises
Hold simultaneously with third party client set up be connected, specifically, data processing platform (DPP) is signed an agreement with downstream trade company, according to protocol contents to
Supplier's order goods of upstream.
Transaction integral unit 132, trade agreement is based on for server, confirms that platform transaction is believed with third party's client
Breath, and the platform Transaction Information of user terminal, third party's client is integrated there is provided platform terms of trade, to aid in user
End, the transaction of third party's client platform.
Server transaction integral unit, for based on trade agreement, platform Transaction Information to be confirmed with third party's client,
That is, server be may relate to set up new contract with third party's client, or server is shown to third party's client, service
The platform trade agreement that the data processing platform (DPP) of device is signed with user, makes server by user terminal, the platform of third party's client
Transaction Information integrated (that is, server finally determines to be related in whole platform process of exchange time, amount of funds and
The situation of manpower and materials) there is provided platform terms of trade (terms of trade：It is primarily referred to as a number of fund or other forms
Platform data arrange situation), with aid in user terminal, third party's client platform merchandise.
Server is according to the trade agreement of signature in the present embodiment, determine third party's client and with third party's client
Connection is set up, server is based on trade agreement, and platform Transaction Information is confirmed with third party's client, and by user terminal, third party
The platform Transaction Information of client is integrated there is provided platform terms of trade, to aid in user terminal, third party's client platform to hand over
Easily；Server is by the trade agreement set up with client in the present embodiment, determines the 3rd client, and with the 3rd client
Contact is set up, finally realizes that platform is merchandised, by server and the relation of third party's client, allows user terminal real quickly
Existing platform transaction, the data processing merchandised using platform completes to finance, and accelerates the Capital Flow of medium-sized and small enterprises.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Understood based on such, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are make it that a station terminal equipment (can be mobile phone, computer, clothes
It is engaged in device, air-conditioner, or network equipment etc.) method that performs each embodiment of the invention.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of platform exchange information processing method, it is characterised in that the platform exchange information processing method is applied to service
Device, the server is connected with user terminal and third party's client communication respectively, and the platform exchange information processing method includes
Following steps：
When detecting the platform transaction request of user terminal transmission, server output information inputting interface to user terminal is for user
Input platform Transaction Information；
Platform Transaction Information of the server based on user input, generates respective transaction agreement, so that user confirms signature transaction association
View；
Server sets up the connection of server and third party's client according to the trade agreement of signature, to aid in user terminal, the 3rd
Square client carries out platform transaction.
2. platform exchange information processing method as claimed in claim 1, it is characterised in that the server is based on user input
Platform Transaction Information, generate respective transaction agreement, for user confirm signature trade agreement the step of include：
Platform Transaction Information of the server based on user input, to subscriber authentication, Assets Analyst and risk assessment；
According to the result of the authentication of user terminal, Assets Analyst and risk assessment, judge whether to aid in the platform of user terminal to hand over
Easily；
If server determines the platform transaction of auxiliary user terminal, respective transaction agreement is generated, so that user confirms signature transaction
Agreement.
3. platform exchange information processing method as claimed in claim 2, it is characterised in that if the server determines that auxiliary is used
The platform transaction at family end, then generate respective transaction agreement, so that user confirms that signature trade agreement step includes：
If server determines the platform transaction of auxiliary user terminal, the platform Transaction Information inputted based on user terminal, selection is started
Platform data tupe generates transaction data；
Server is by the transaction data authentication of generation and generates corresponding trade agreement, so that user confirms signature trade agreement.
4. platform exchange information processing method as claimed in claim 1, it is characterised in that the server is based on user input
Platform Transaction Information, generate respective transaction agreement, for user confirm signature trade agreement the step of after include：
Server judges whether user terminal correspondence enterprise needs to carry out logistics management to platform tradable commodity according to trade agreement；
If user terminal correspondence enterprise needs to carry out platform tradable commodity logistics management, corresponding generation logistics management agreement is simultaneously
Platform tradable commodity sets logistics management.
5. platform exchange information processing method as claimed in claim 1, it is characterised in that the server is according to the friendship of signature
Easy agreement, sets up the connection with third party's client, to be wrapped the step of aiding in user terminal, third party's client to carry out platform transaction
Include：
Server determines third party's client and set up with third party's client to be connected according to the trade agreement of signature；
Server is based on trade agreement, and platform Transaction Information is confirmed with third party's client, and by user terminal, third party's client
Platform Transaction Information integrated there is provided platform terms of trade, with aid in user terminal, third party's client platform merchandise.
6. a kind of platform busines sinformation processing/system, it is characterised in that the platform busines sinformation processing/system is included at data
Platform, platform busines sinformation processing/system is applied to server, user terminal, third party's client, the platform Transaction Information
The data processing platform (DPP) of processing system includes：
Transaction request module, for when detecting the platform transaction request of user terminal, server output information inputting interface to be extremely
User terminal is for user input platform Transaction Information；
Protocol generation module, for platform Transaction Information of the server based on user input, generates respective transaction agreement, for
Family confirms signature trade agreement；
Transaction modules are aided in, for trade agreement of the server according to signature, the connection with third party's client are set up, to aid in
User terminal, third party's client carry out platform transaction.
7. platform busines sinformation processing/system as claimed in claim 6, it is characterised in that the protocol generation module includes：
Analytic unit is verified, for platform Transaction Information of the server based on user input, to subscriber authentication, Assets Analyst
With risk assessment；
Judge auxiliary unit, for the authentication according to user terminal, Assets Analyst and risk evaluation result, judge whether auxiliary
The platform transaction of user terminal；
Protocol generation unit, if determining the platform transaction of auxiliary user terminal for server, generates respective transaction agreement, for
User confirms signature trade agreement.
8. platform busines sinformation processing/system as claimed in claim 7, it is characterised in that the protocol generation unit is also used
In：
If server determines the platform transaction of auxiliary user terminal, the platform Transaction Information inputted based on user terminal, selection is started
Platform data tupe generates transaction data；
Server is by the transaction data authentication of generation and generates corresponding trade agreement, so that user confirms signature trade agreement.
9. platform busines sinformation processing/system as claimed in claim 6, it is characterised in that the platform Transaction Information processing system
System also includes logistics management platform, and the logistics management platform includes：
Logistics module is determined, for server according to trade agreement, judges whether user terminal correspondence enterprise needs to merchandise to platform
Commodity carry out logistics management；
Logistics management module, if needing to carry out logistics management to platform tradable commodity for user terminal correspondence enterprise, corresponds to life
Into logistics management agreement and for platform tradable commodity, logistics management is set.
10. platform busines sinformation processing/system as claimed in claim 6, it is characterised in that the auxiliary transaction modules include：
Set up connection unit, for trade agreement of the server according to signature, determine third party's client and with third party client
Connection is set up at end；
Transaction integral unit, trade agreement is based on for server, confirms platform Transaction Information with third party's client, and will use
Family end, the platform Transaction Information of third party's client are integrated there is provided platform terms of trade, to aid in user terminal, third party
Client platform is merchandised.
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| CN201710172119.0A CN106952116B (en) | 2017-03-21 | 2017-03-21 | Platform transaction information processing method and system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109785086A (en) * | 2019-03-18 | 2019-05-21 | 南通中实纺织交易市场有限公司 | A kind of online transaction plateform system |
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| US20090187482A1 (en) * | 2008-01-22 | 2009-07-23 | United Parcel Services Of America, Inc. | Systems, Methods, and Computer Program Products for Supply Chain Finance |
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| CN106952116B (en) | 2020-11-27 |
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