CN107038637A - A kind of bill based on instant agreed-upon price pattern directly pastes method and system - Google Patents
A kind of bill based on instant agreed-upon price pattern directly pastes method and system Download PDFInfo
- Publication number
- CN107038637A CN107038637A CN201710137880.0A CN201710137880A CN107038637A CN 107038637 A CN107038637 A CN 107038637A CN 201710137880 A CN201710137880 A CN 201710137880A CN 107038637 A CN107038637 A CN 107038637A
- Authority
- CN
- China
- Prior art keywords
- bank
- bill
- transaction
- price
- trading object
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Method and system is directly pasted the present invention is more particularly directed to a kind of bill based on instant agreed-upon price pattern.Method comprises the following steps：Obtain the bank account of transaction initiator and the draft bank of bill to be transacted；Obtain trading object；Treat bill of exchange to be verified, target transaction bank and transaction value are generated after being verified；Open up the first trustship account, when incorporating bill to be transacted in the first trustship account, sign for the bill, and send discount message to target transaction bank, then the second trustship account is opened up in default bank, fund is transferred to the bank account of transaction initiator after the instruction of default bank is received from the first trustship account through the second trustship account, the instruction represents that the bill in the first trustship account is withdrawn by target transaction bank, and the fund consistent with transaction value is stored in the first trustship account.The present invention not only increases the efficiency and success rate that bill is directly pasted, and is conducive to being discounted using minimum discount cost, increases enterprise income.
Description
Technical field
The present invention relates to a kind of computer realm, more particularly to a kind of bill based on instant agreed-upon price pattern directly paste method and
System.
Background technology
Discount refers to time draft, including bank acceptance and commercial draft, after honouring, holder of bill of exchange is in draft
Transferred the possession of before not yet expiring on discount market, assignee is deducted after dis, pay the behavior of seller by ticket fee or bank purchases
Buy the business of undue paper.Discounted note can be divided into three kinds, be straight patch, interbank discount respectively and discount again, Zhi Tiezhi banks
The bearer of acceptance bill is before bill to mature, in order to capture funds, and attaches certain interest and right of negotiable instrument is transferred into bank
Act of bill, is a kind of mode of the bearer to bank accommodation fund.The mode that tradition is directly pasted comprises the following steps：Pass through first
Phone and more banks are linked up so that it is determined that trading object and transaction value, then enterprise's preparation trade background contract, public affairs
Department's official seal, finance seal, legal person's signet, discount application, license of the business corporation copy, invoice and trading object think
Other data provided are provided, initiates to apply to bank by these data, after bank accepts and examines and pass through, the enterprise is put
Money.Therefore, the straight patch mode of tradition enters operation under being mostly online, and each node is required for spending longer time, is unfavorable for
The completion of straight patch transaction.Enterprise's fast financing, the national requirement eliminated to trade background, therefore discounted for convenience simultaneously
How to be ensured in journey fund security, how to improve discount efficiency and success rate, how to save these problems such as time cost all right
Directly the method for pasting proposes new challenge to existing bill.
The content of the invention
Method and system is directly pasted the invention provides a kind of bill based on instant agreed-upon price pattern, is solved above-described
Technical problem.
The technical scheme that the present invention solves above-mentioned technical problem is as follows：A kind of bill based on instant agreed-upon price pattern directly side of patch
Method, comprises the following steps：
Step 1, the bank account of transaction initiator's input and the draft bank of bill to be transacted are obtained；
Step 2, at least one trading object is obtained；
Step 3, the first billing information of the bill to be transacted is obtained according to the draft bank, and first bill is believed
Breath is verified, step 4 is performed after being verified；
Step 4, the first bid price of transaction initiator's input is obtained, and first bid price is distributed to described
At least one trading object, the quotation of All Activity object is received in default exchange hour and is negotiated a price with trading object,
Terminate bargaining process when reaching default agreed-upon price termination condition with any trading object and generate target transaction bank and right
The transaction value answered；
Step 5, the first trustship account with ticket recipient function is opened up in default bank, and by presetting bank
The direct-connected interface of bank inquired about within the default inquiry time limit whether incorporated in the first trustship account it is consistent with the draft bank
Bill, if so, step 6 is then performed, if it is not, flow of then closing the trade；
Step 6, the bill is signed for, and discount message is sent to the target transaction bank by the first trustship account,
Step 7 is performed after the instruction that the default bank sends is received, it is described to instruct for representing in the first trustship account
Bill withdrawn by the target transaction bank, and the money consistent with the transaction value is stored in the first trustship account
；
Step 7, the second trustship account that fund is discounted for trustship is opened up in the default bank, and by the fund
The second trustship account is transferred to from the first trustship account；
Step 8, the instruction of withdrawing deposit of transaction initiator is received, and is instructed according to described withdraw deposit by the fund from the second trustship
The bank account of the transaction initiator is transferred in account.
The beneficial effects of the invention are as follows：Method is directly pasted the invention provides a kind of bill based on instant agreed-upon price pattern, is discussed
Bill is verified first before valency, it is ensured that user carries out the safety of bill business, then mode and completed a business transaction by negotiating a price online
Mode not only increases the efficiency and success rate that bill is directly pasted, and facilitates more banks to be bidded online, is conducive to using
Minimum discount cost is discounted, and increases enterprise income.
On the basis of above-mentioned technical proposal, the present invention can also do following improvement.
Further, checking is carried out to first billing information in the step 3 and specifically includes following steps：
S301, inquires about the draft bank, and obtain the corresponding obligee's information of the draft bank in e-business draft system
With the second billing information, judge whether obligee's information is consistent with transaction initiator, and whether judge the first billing information
It is identical with second billing information, if so, be then verified and perform S302, if it is no to have one, flow of closing the trade；
Second billing information includes bill draft bank, denomination, accepter, the date of draft and Expiration Date；
S302, inquires about the vulnerability database pre-established, corresponding risk class is obtained according to the draft bank, according to described
Risk class verifies that the bill whether there is risk, if so, prompt message is then generated, and flow of closing the trade, if it is not, then testing
Card passes through and performs step 4.
Beneficial effect using above-mentioned further scheme is：This further technical scheme inquires about e-business draft system first
System, title when whether verifying the obligee of bill with transaction initiator's registration is consistent, so as to prevent bill by other people the non-choices specimen of calligraphy
It is existing；The essential information to bill is verified simultaneously, it is ensured that the correctness of fare basis；Then by inquiring about risk data
Storehouse is verified to the risk class of bill business, so as to prompt the user with transaction risk during bill business, it is ensured that
User carries out bill business, the safety transferred the possession of, and promotes the orderly progress in whole bill business market.The vulnerability database is
Information and present system oneself based on the publicity of the common platform such as law court, bill business net institute find, collected or through report
What the risk data of acquisition was set up, not only risk data is perfect, and updates timely, can evade ticket to greatest extent for user
According to the risk in transaction.
Further, the step 4 is specially：
S401, generates transaction event, and please according to transaction event and the quotation of at least one described trading object generation first
Event is sought, the first request for quote event includes corresponding first bid price of transaction initiator and at least one transaction pair
As；
S402, the corresponding client of each trading object is sent to by server by the first request for quote event,
And the second request for quote event returned by the server, the second request for quote thing are obtained in default exchange hour
Part includes corresponding second bid price of trading object；
S403, the first new request for quote event is generated according to second bid price, and will be described by server
The first new request for quote event is sent to the corresponding client of each trading object, the first new request for quote event package
Include amended first bid price；
S404, obtains the second new request for quote event returned by the server, the second request for quote thing
Part includes corresponding the second new bid price of trading object；
S405, repeat step S403~S404, are tied when reaching default agreed-upon price termination condition with any trading object
Beam bargaining process simultaneously generates target transaction bank and corresponding transaction value.
Beneficial effect using above-mentioned further scheme is：This further technical scheme is by the way that bill business event is distinguished
It is sent to multiple trading objects, it is possible to achieve and multiple trading objects carry out many people's agreed-upon prices, so as to obtain both sides' report in time
Valency, saves bill and directly pastes the time, improves efficiency and success rate that bill is directly pasted, realizes user benefit maximization.
Further, the agreed-upon price termination condition includes：Reach default transaction limiting time, transaction initiator corresponding the
One bid price and corresponding second bid price of any trading object are reached an agreement, transaction initiator actively terminates agreed-upon price and gone forward side by side
Enter to complete a business transaction process and trading object actively to terminate to negotiate a price and into completing a business transaction process.
Beneficial effect using above-mentioned further scheme is：In this further technical scheme, there is provided multiple agreed-upon prices terminate
Condition, after one of them default agreed-upon price termination condition is reached, that is, terminates and corresponds to this bargaining process of trading object, no
Only agreed-upon price mode is more flexible, and can economize on resources, and improves overall agreed-upon price efficiency.
Further, the step 1 is specially：Obtain the bank account of transaction initiator's input and the ticket of bill to be transacted
Number, and verify whether the bank account is true, if so, step 2 is then performed, if it is not, flow of then closing the trade.
Beneficial effect using above-mentioned further scheme is：In this further technical scheme, carrying out before bill is directly pasted first
Verify whether the bank account of transaction initiator is true, so that fund can not be transferred to the bank account of transaction initiator by avoiding
Situation, efficiency and success rate that bill is directly pasted are not only increased, while ensure that the security that bill is directly pasted.
Further, in step 2, concretely comprising the following steps at least one trading object is obtained：Arranged according to default trading object
Table obtains at least one trading object or obtains at least one trading object for being manually entered of user, and by the transaction being manually entered
Object is added to default white list list.
Beneficial effect using above-mentioned further scheme is：A variety of acquisition transaction pair are provided with this further technical scheme
The mode of elephant, can be quick using default trading object list when needing and identical trading object is repeatedly merchandised
Obtain trading object list, and when carry out first transaction with trading object or only with once being merchandised when, using direct defeated
The method entered is more efficient.
In order to solve the technical problem of the present invention, additionally provide a kind of bill based on instant agreed-upon price pattern and directly paste system,
Including：
First acquisition module, for obtaining the bank account of transaction initiator's input and the draft bank of bill to be transacted；
Second acquisition module, for obtaining at least one trading object；
Authentication module, the first billing information for obtaining the bill to be transacted according to the draft bank, and to described the
One billing information is verified, is verified rear-guard motion valency module；
Agreed-upon price module, the first bid price for obtaining transaction initiator's input, and first bid price is sent out
Cloth gives at least one described trading object, and the quotation of All Activity object is received in default exchange hour and is entered with trading object
Row is negotiated a price, and is terminated bargaining process when reaching default agreed-upon price termination condition with any trading object and is generated target transaction silver
Row and corresponding transaction value；
Bill business processing module, for opening up the first trustship account with ticket recipient function in default bank,
And inquired about by presetting the direct-connected interface of bank of bank and whether incorporated in the first trustship account within the default inquiry time limit
The bill consistent with the draft bank, if it is not, flow of then closing the trade；If so, the bill is then signed for, and it is straight by the bank
Connector and the first trustship account send discount message to the target transaction bank；
Fund allocation module, the second trustship account of fund is discounted for being opened up in the default bank for trustship,
And after the instruction that the default bank sends is received, the fund is transferred to described second from the first trustship account
Trustship account, the instruction is used to represent that the bill in the first trustship account is withdrawn by the target transaction bank, and
The fund consistent with the transaction value is stored in the first trustship account；And for receiving the finger of withdrawing deposit of transaction initiator
Order, and the bank account that the fund is transferred to the transaction initiator from the second trustship account is instructed according to described withdraw deposit.
Further, the authentication module includes：
First authentication unit, for inquiring about the draft bank in e-business draft system, and obtains the draft bank correspondence
Obligee's information and the second billing information, then judge whether obligee's information consistent with transaction initiator, and judge
Whether the first billing information is identical with second billing information, if so, being then verified and driving the second authentication unit, if having
One is no, then flow of closing the trade；Second billing information include bill draft bank, denomination, accepter, the date of draft and
Expiration Date；
Second authentication unit, for inquiring about the vulnerability database pre-established, corresponding risk is obtained according to the draft bank
Grade, verifies that the bill whether there is risk according to the risk class, if so, then generating prompt message, and closes the trade
Flow, if it is not, being then verified and driving agreed-upon price module.
Further, the agreed-upon price module is specifically included：
First generation unit, gives birth to for generating transaction event, and according to transaction event and at least one described trading object
Into the first request for quote event, the first request for quote event is including corresponding first bid price of transaction initiator and at least
One trading object；
Release unit, it is corresponding for the first request for quote event to be sent into each trading object by server
Client, and the second request for quote event returned by the server is obtained, the second request for quote event includes handing over
Corresponding second bid price of easy object；
Second generation unit, for generating the first new request for quote event according to second bid price, and passes through
The first new request for quote event is sent to the corresponding client of each trading object by the release unit, described new
First request for quote event includes amended first bid price；
3rd generation unit, for when reaching default agreed-upon price termination condition with any trading object, end to be negotiated a price
Journey simultaneously generates target transaction bank and corresponding transaction value.
Further, the agreed-upon price termination condition includes：Reach default transaction limiting time, transaction initiator corresponding the
One bid price and corresponding second bid price of any trading object are reached an agreement, transaction initiator actively terminates agreed-upon price and gone forward side by side
Enter to complete a business transaction process and trading object actively to terminate to negotiate a price and into completing a business transaction process.
Further, first acquisition module is specifically for obtaining the bank account and ticket to be transacted that transaction initiator inputs
According to draft bank, and verify whether the bank account true, if so, the second acquisition module is then driven, if it is not, stream of then closing the trade
Journey.
Further, second acquisition module according to default trading object list specifically for obtaining at least one transaction
Object obtains at least one trading object for being manually entered of user, and the trading object being manually entered is added to default white
List list.
The advantage of the additional aspect of the present invention will be set forth in part in the description, and will partly become from the following description
Obtain substantially, or recognized by present invention practice.
Brief description of the drawings
Fig. 1 is the schematic flow that a kind of bill based on instant agreed-upon price pattern provided in an embodiment of the present invention directly pastes method
Figure；
A kind of bill based on instant agreed-upon price pattern that Fig. 2 is provided for another embodiment of the present invention directly step 4 in patch method
Indicative flowchart；
Fig. 3 is the schematic structure that a kind of bill based on instant agreed-upon price pattern provided in an embodiment of the present invention directly pastes system
Figure；
A kind of bill based on instant agreed-upon price pattern that Fig. 4 is provided for another embodiment of the present invention is directly negotiated a price in patch system mould
The schematic diagram of block.
Embodiment
The principle and feature of the present invention are described below in conjunction with accompanying drawing, the given examples are served only to explain the present invention, and
It is non-to be used to limit the scope of the present invention.
Fig. 1 is the schematic flow that a kind of bill based on instant agreed-upon price pattern provided in an embodiment of the present invention directly pastes method
Figure, as shown in figure 1, comprising the following steps：
Step 1, the bank account of transaction initiator's input and the draft bank of bill to be transacted are obtained；
Step 2, at least one trading object is obtained；
Step 3, the first billing information of the bill to be transacted is obtained according to the draft bank, and first bill is believed
Breath is verified, step 4 is performed after being verified；
Step 4, the first bid price of transaction initiator's input is obtained, and first bid price is distributed to described
At least one trading object, the quotation of All Activity object is received in default exchange hour and is negotiated a price with trading object,
Terminate bargaining process when reaching default agreed-upon price termination condition with any trading object and generate target transaction bank and right
The transaction value answered；
Step 5, the first trustship account with ticket recipient function is opened up in default bank, and by presetting bank
The direct-connected interface of bank inquired about within the default inquiry time limit whether incorporated in the first trustship account it is consistent with the draft bank
Bill, if so, step 6 is then performed, if it is not, flow of then closing the trade；
Step 6, the bill is signed for, and discount message is sent to the target transaction bank by the first trustship account,
Step 7 is performed after the instruction that the default bank sends is received, it is described to instruct for representing in the first trustship account
Bill withdrawn by the target transaction bank, and the money consistent with the transaction value is stored in the first trustship account
；
Step 7, the second trustship account that fund is discounted for trustship is opened up in the default bank, and by the fund
The second trustship account is transferred to from the first trustship account；
Step 8, the instruction of withdrawing deposit of transaction initiator is received, and is instructed according to described withdraw deposit by the fund from the second trustship
The bank account of the transaction initiator is transferred in account.
Present embodiments provide a kind of bill based on instant agreed-upon price pattern and directly paste method, bill is carried out first before negotiating a price
Checking, it is ensured that user carries out the safety of bill business, then not only increases bill by negotiate a price online mode and the mode of completing a business transaction
The efficiency and success rate directly pasted, and facilitate more banks to be bidded online, be conducive to being pasted using minimum discount cost
It is existing, increase enterprise income.
Checking is carried out to first billing information in preferred embodiment, in the step 3 and specifically includes following steps：
S301, inquires about the draft bank, and obtain the corresponding obligee's information of the draft bank in e-business draft system
With the second billing information, judge whether obligee's information is consistent with transaction initiator, and whether judge the first billing information
It is identical with second billing information, if so, be then verified and perform S302, if it is no to have one, flow of closing the trade；
Second billing information includes bill draft bank, denomination, accepter, the date of draft and Expiration Date；
S302, inquires about the vulnerability database pre-established, corresponding risk class is obtained according to the draft bank, according to described
Risk class verifies that the bill whether there is risk, if so, prompt message is then generated, and flow of closing the trade, if it is not, then testing
Card passes through and performs step 4.
The preferred embodiment inquires about e-business draft system first, verify bill obligee whether with transaction initiator
Title during registration is consistent, so as to prevent bill from illegally being discounted by other people；The essential information to bill is verified simultaneously, it is ensured that
The correctness of fare basis；Then the risk class of bill business is verified by inquiring about vulnerability database, so that
Transaction risk is prompted the user with during bill business, it is ensured that user carries out bill business, the safety transferred the possession of, and promotes whole
The orderly progress in individual bill business market.The vulnerability database is based on common platform institute publicities such as law court, bill business nets
Information and present system oneself find, collect or through report obtain risk data set up, not only risk data is complete
It is kind, and update timely, the risk in bill business can be evaded for user to greatest extent.
A kind of bill based on instant agreed-upon price pattern that Fig. 2 is provided for another embodiment of the present invention directly step 4 in patch method
Indicative flowchart, as shown in Fig. 2 the step 4 is specially：
S401, generates transaction event, and please according to transaction event and the quotation of at least one described trading object generation first
Event is sought, the first request for quote event includes corresponding first bid price of transaction initiator and at least one transaction pair
As；
S402, the corresponding client of each trading object is sent to by server by the first request for quote event,
And the second request for quote event returned by the server, the second request for quote thing are obtained in default exchange hour
Part includes corresponding second bid price of trading object；
S403, the first new request for quote event is generated according to second bid price, and will be described by server
The first new request for quote event is sent to the corresponding client of each trading object, the first new request for quote event package
Include amended first bid price；
S404, obtains the second new request for quote event returned by the server, the second request for quote thing
Part includes corresponding the second new bid price of trading object；
S405, repeat step S403~S404, are tied when reaching default agreed-upon price termination condition with any trading object
Beam bargaining process simultaneously generates target transaction bank and corresponding transaction value.
Above preferred embodiment by bill business event by being sent respectively to multiple trading objects, it is possible to achieve and it is multiple
Trading object carries out many people's agreed-upon prices, so as to obtain double barreled quotation in time, saves bill and directly pastes the time, improve bill straight
The efficiency and success rate of patch, realize user benefit maximization.
In a preferred embodiment, the step S401 is specially:By call function submiPricetInquiry by institute
State the first bid price and at least one trading object is encapsulated in the transaction event and generates the first request for quote event, then
The first request for quote event is converted to the data of corresponding MAP forms, and by socket communication functions by the MAP
The data of form are sent to server.
In another preferred embodiment, the server includes the first connection server, message server, application server
With the second connection server, the step S402 specifically includes following steps:
Step A1, first connection server is received after the first request for quote event, please to the described first quotation
Ask the transaction initiator of event to be matched, if matching trading object, perform step A2, if being not matched to transaction pair
As then performing step A3；
Step A2, each trading object correspondence is sent to by socket communication functions by the first request for quote event
Client, and obtain the second request for quote event that the client is returned in default exchange hour, then perform S403；
Step A3, the first request for quote event is stored in after message server, performs step A4；
Step A4, application server persistently monitors the first request for quote event by message watcher thread, and passes through
ServerEventListener interfaces read the first request for quote event associated with present application server, then according to institute
State the first request for quote event and generate corresponding server event, and the server event is sent to message server, etc.
Treat that other associated connection servers are read out, the server event includes the whole of the first request for quote event
Content；
Step A5, the second associated connection server is listened to after the server event, to the server event
Transaction initiator matched, and the server event is sent to each trading object pair by socket communication functions
The client answered, and the second request for quote event that the client is returned is obtained in default exchange hour, then perform
S403。
In a further advantageous embodiment, the agreed-upon price termination condition includes：Reach default transaction limiting time, transaction
Corresponding first bid price of promoter and corresponding second bid price of any trading object are reached an agreement, transaction initiator master
Move to terminate to negotiate a price and actively terminate to negotiate a price and enter into process of completing a business transaction and trading object and complete a business transaction process.The preferred embodiment passes through
Multiple agreed-upon price termination conditions are set, after one of them default agreed-upon price termination condition is reached, that is, terminates and corresponds to trading object
This bargaining process, not only agreed-upon price mode is more flexible, and can economize on resources, and improves overall agreed-upon price efficiency.
It is preferred that, the step 1 is specially：Obtain the bank account of transaction initiator's input and the ticket of bill to be transacted
Number, and verify whether the bank account is true, if so, step 2 is then performed, if it is not, flow of then closing the trade.The preferred reality
Apply in example, it is whether true in the bank account for carrying out first checking transaction initiator before bill is directly pasted, such as one can be made a call at random
The debt of small amount allows transaction initiator to input the amount of money of the money to confirm bank's account to the bank account of transaction initiator
Whether family is true, so that fund can not be transferred to the situation of the bank account of transaction initiator by avoiding, not only increases bill
The efficiency and success rate directly pasted, while ensure that the security that bill is directly pasted.
In the step 2 of another preferred embodiment, concretely comprising the following steps at least one trading object is obtained：According to default
Trading object list obtains at least one trading object or obtains at least one trading object that user is manually entered, and will be manual
The trading object of input is added to default white list list.The preferred embodiment is provided with the side of a variety of acquisition trading objects
Formula, can quick obtaining friendship using default trading object list when needing and identical trading object is repeatedly merchandised
Easy object list, and when carry out first transaction with trading object or only with once being merchandised when, using the side directly inputted
Method is more efficient.In a preferred embodiment, obtain default trading object list and specifically include following steps:
Generate the ActionEvent events for obtaining trading object list；
The ActionEvent events are monitored by ActionListener interfaces, and the ActionEvent listened to
Event propagation gives corresponding monitor；
The monitor receives ActionEvent events, then perform ActionListener interfaces it is pre-defined with
The corresponding processing function of the ActionEvent events, and start an independent process thread, the independent process thread dispatching
Thread worker interfaces, the Thread worker interfaces use the data processing method of list and the trading object that is stored with
The connection server of information is communicated, and obtains the trading object list that the connection server is returned；
Use the interface processing method of list that the trading object list is returned into the first client in the way of playing frame
Interface.
Fig. 3 is the schematic structure that a kind of bill based on instant agreed-upon price pattern provided in an embodiment of the present invention directly pastes system
Figure, as shown in figure 3, including：
First acquisition module, for obtaining the bank account of transaction initiator's input and the draft bank of bill to be transacted；
Second acquisition module, for obtaining at least one trading object；
Authentication module, the first billing information for obtaining the bill to be transacted according to the draft bank, and to described the
One billing information is verified, is verified rear-guard motion valency module；
Agreed-upon price module, the first bid price for obtaining transaction initiator's input, and first bid price is sent out
Cloth gives at least one described trading object, and the quotation of All Activity object is received in default exchange hour and is entered with trading object
Row is negotiated a price, and is terminated bargaining process when reaching default agreed-upon price termination condition with any trading object and is generated target transaction silver
Row and corresponding transaction value；
Bill business processing module, for opening up the first trustship account with ticket recipient function in default bank,
And inquired about by presetting the direct-connected interface of bank of bank and whether incorporated in the first trustship account within the default inquiry time limit
The bill consistent with the draft bank, if it is not, flow of then closing the trade；If so, the bill is then signed for, and it is straight by the bank
Connector and the first trustship account send discount message to the target transaction bank；
Fund allocation module, the second trustship account of fund is discounted for being opened up in the default bank for trustship,
And after the instruction that the default bank sends is received, the fund is transferred to described second from the first trustship account
Trustship account, the instruction is used to represent that the bill in the first trustship account is withdrawn by the target transaction bank, and
The fund consistent with the transaction value is stored in the first trustship account；And for receiving the finger of withdrawing deposit of transaction initiator
Order, and the bank account that the fund is transferred to the transaction initiator from the second trustship account is instructed according to described withdraw deposit.
Present embodiments provide a kind of bill based on instant agreed-upon price pattern and directly paste system, bill is carried out first before negotiating a price
Checking, it is ensured that user carries out the safety of bill business, then not only increases bill by negotiate a price online mode and the mode of completing a business transaction
The efficiency and success rate directly pasted, and facilitate more banks to be bidded online, be conducive to being pasted using minimum discount cost
It is existing, increase enterprise income.
In preferred embodiment, the authentication module includes：
First authentication unit, for inquiring about the draft bank in e-business draft system, and obtains the draft bank correspondence
Obligee's information and the second billing information, then judge whether obligee's information consistent with transaction initiator, and judge
Whether the first billing information is identical with second billing information, if so, being then verified and driving the second authentication unit, if having
One is no, then flow of closing the trade；Second billing information include bill draft bank, denomination, accepter, the date of draft and
Expiration Date；
Second authentication unit, for inquiring about the vulnerability database pre-established, corresponding risk is obtained according to the draft bank
Grade, verifies that the bill whether there is risk according to the risk class, if so, then generating prompt message, and closes the trade
Flow, if it is not, being then verified and driving agreed-upon price module.
The preferred embodiment inquires about e-business draft system first, verify bill obligee whether with transaction initiator
Title during registration is consistent, so as to prevent bill from illegally being discounted by other people；The essential information to bill is verified simultaneously, it is ensured that
The correctness of fare basis；Then the risk class of bill business is verified by inquiring about vulnerability database, so that
Transaction risk is prompted the user with during bill business, it is ensured that user carries out bill business, the safety transferred the possession of, and promotes whole
The orderly progress in individual bill business market.
A kind of bill based on instant agreed-upon price pattern that Fig. 4 is provided for another embodiment of the present invention is directly negotiated a price in patch system mould
The schematic diagram of block, as shown in figure 4, the agreed-upon price module is specifically included：
First generation unit, gives birth to for generating transaction event, and according to transaction event and at least one described trading object
Into the first request for quote event, the first request for quote event is including corresponding first bid price of transaction initiator and at least
One trading object；
Release unit, it is corresponding for the first request for quote event to be sent into each trading object by server
Client, and the second request for quote event returned by the server is obtained, the second request for quote event includes handing over
Corresponding second bid price of easy object；
Second generation unit, for generating the first new request for quote event according to second bid price, and passes through
The first new request for quote event is sent to the corresponding client of each trading object by the release unit, described new
First request for quote event includes amended first bid price；
3rd generation unit, for when reaching default agreed-upon price termination condition with any trading object, end to be negotiated a price
Journey simultaneously generates target transaction bank and corresponding transaction value.
In a preferred embodiment, first generation unit is specifically for passing through call function submiPricetInquiry
First bid price and at least one trading object are encapsulated in the transaction event and generate the first request for quote event.
The release unit passes through specifically for the first request for quote event to be converted to the data of corresponding MAP forms
The data of the MAP forms are sent to server by socket communication functions.
The server includes the first connection server, message server, application server and the second connection server：
First connection server is used to receive the first request for quote event, to the first request for quote event
Transaction initiator matched, if matching trading object, by socket communication functions by first request for quote
Event is sent to the corresponding client of trading object, and receives the second request for quote thing that trading object is sent by client
Part；And for when being not matched to trading object, then the first request for quote event being stored in message server；
Message server, for storing the first request for quote event and the server event；
Application server, persistently monitors the first request for quote event, and pass through by message watcher thread
ServerEventListener interfaces read the first request for quote event associated with present application server, then according to institute
State the first request for quote event and generate corresponding server event, and the server event is sent to message server, etc.
Treat that the second associated connection server is read out, the server event includes the whole of the first request for quote event
Content；
Second connection server, for monitoring and receiving after the server event, the transaction to the server event
Promoter is matched, and the server event is sent into the corresponding visitor of each trading object by socket communication functions
Family end, and receive the second request for quote event that each trading object is sent by client.
In a preferred embodiment, the agreed-upon price termination condition includes：Reach default transaction limiting time, transaction initiator
Corresponding first bid price and corresponding second bid price of any trading object are reached an agreement, transaction initiator actively terminates
Negotiate a price and enter the process of completing a business transaction and trading object and actively terminate to negotiate a price and into completing a business transaction process.Above preferred embodiment is by setting
Multiple agreed-upon price termination conditions, after one of them default agreed-upon price termination condition is reached, that is, terminate and correspond to the sheet of trading object
Secondary bargaining process, not only agreed-upon price mode is more flexible, and can economize on resources, and improves overall agreed-upon price efficiency.
It is preferred that, first acquisition module is specifically for obtaining the bank account and ticket to be transacted that transaction initiator inputs
According to draft bank, and verify whether the bank account true, if so, the second acquisition module is then driven, if it is not, stream of then closing the trade
Journey.It is whether true in the bank account for carrying out first checking transaction initiator before bill is directly pasted in the preferred embodiment, so as to keep away
Exempt from the situation for the bank account that fund can not be transferred to transaction initiator, not only increase efficiency that bill directly pastes and successfully
Rate, while ensure that the security that bill is directly pasted.
In another preferred embodiment, second acquisition module according to default trading object list specifically for obtaining
At least one trading object obtains at least one trading object that user is manually entered, and the trading object being manually entered is added
It is added to default white list list.The preferred embodiment is provided with the mode of a variety of acquisition trading objects, when needs and identical
When trading object is repeatedly merchandised, using default trading object list can quick obtaining trading object list, and when and
Trading object carry out first transaction or only with once being merchandised when, it is more efficient using the method directly inputted.
In preferred embodiment, second acquisition module at least includes trading object list acquiring unit, the transaction pair
As list acquiring unit is used to generate the ActionEvent events for being used for obtaining trading object list, pass through
ActionListener interfaces monitor the ActionEvent events, and the ActionEvent event propagations listened to pair
The monitor answered, the monitor receives ActionEvent events, then performs what ActionListener interfaces were pre-defined
Processing function corresponding with the ActionEvent events, and start an independent process thread, the independent process thread is adjusted
With Thread worker interfaces, data processing method and be stored with transaction pair of the Thread worker interfaces using list
The connection server of image information is communicated, and the trading object list that the connection server is returned is obtained, then using list
Interface processing method the trading object list is returned to the interface of the first client in the way of playing frame.
In the description of the invention, it is to be understood that term " first ", " second " are only used for describing purpose, and can not
It is interpreted as indicating or implies relative importance or the implicit quantity for indicating indicated technical characteristic.Thus, define " the
One ", at least one this feature can be expressed or be implicitly included to the feature of " second ".In the description of the invention, " multiple "
It is meant that at least two, such as two, three etc., unless otherwise specifically defined.
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means to combine specific features, structure, material or the spy that the embodiment or example are described
Point is contained at least one embodiment of the present invention or example.In this manual, to the schematic representation of above-mentioned term not
Identical embodiment or example must be directed to.Moreover, specific features, structure, material or the feature of description can be with office
Combined in an appropriate manner in one or more embodiments or example.In addition, in the case of not conflicting, the skill of this area
Art personnel can be tied the not be the same as Example or the feature of example and non-be the same as Example or example described in this specification
Close and combine.
The foregoing is only presently preferred embodiments of the present invention, be not intended to limit the invention, it is all the present invention spirit and
Within principle, any modification, equivalent substitution and improvements made etc. should be included in the scope of the protection.
Claims (10)
1. a kind of bill based on instant agreed-upon price pattern directly pastes method, it is characterised in that comprise the following steps：
Step 1, the bank account of transaction initiator's input and the draft bank of bill to be transacted are obtained；
Step 2, at least one trading object is obtained；
Step 3, the first billing information of the bill to be transacted is obtained according to the draft bank, and first billing information is entered
Row checking, performs step 4 after being verified；
Step 4, obtain the first bid price of transaction initiator's input, and by first bid price be distributed to it is described at least
One trading object, the quotation of All Activity object is received in default exchange hour and is negotiated a price with trading object, until
Terminate bargaining process when reaching default agreed-upon price termination condition with any trading object and generate target transaction bank and corresponding
Transaction value；
Step 5, the first trustship account with ticket recipient function is opened up in default bank, and by presetting the bank of bank
Direct-connected interface inquires about in the first trustship account whether incorporate the bill consistent with the draft bank within the default inquiry time limit,
If so, step 6 is then performed, if it is not, flow of then closing the trade；
Step 6, sign for the bill, and discount message is sent to the target transaction bank by the first trustship account, when connecing
Step 7, the ticket instructed for representing in the first trustship account are performed after receiving the instruction that the default bank sends
The fund consistent with the transaction value is stored according to being withdrawn by the target transaction bank, and in the first trustship account；
Step 7, the second trustship account that fund is discounted for trustship is opened up in the default bank, and by the fund from institute
State and the second trustship account is transferred in the first trustship account；
Step 8, the instruction of withdrawing deposit of transaction initiator is received, and is instructed according to described withdraw deposit by the fund from the second trustship account
In be transferred to the bank account of the transaction initiator.
2. the bill according to claim 1 based on fixed price pattern directly pastes method, it is characterised in that in the step 3
Checking is carried out to first billing information and specifically includes following steps：
S301, inquires about the draft bank, and obtain the corresponding obligee's information of the draft bank and in e-business draft system
Two billing informations, judge whether obligee's information consistent with transaction initiator, and judge the first billing information whether with institute
State the second billing information identical, if so, be then verified and perform S302, if it is no to have one, flow of closing the trade；It is described
Second billing information includes bill draft bank, denomination, accepter, the date of draft and Expiration Date；
S302, inquires about the vulnerability database pre-established, corresponding risk class is obtained according to the draft bank, according to the risk
Bill described in level authentication whether there is risk, if so, prompt message is then generated, and flow of closing the trade, if it is not, then verifying logical
Cross and perform step 4.
3. the bill according to claim 1 based on instant agreed-upon price pattern directly pastes method, it is characterised in that the step 4
Specially：
S401, generates transaction event, and generate the first request for quote thing according to transaction event and at least one described trading object
Part, the first request for quote event includes corresponding first bid price of transaction initiator and at least one trading object；
S402, the corresponding client of each trading object is sent to by server by the first request for quote event, and
The the second request for quote event returned by the server, the second request for quote event package are obtained in default exchange hour
Include corresponding second bid price of trading object；
S403, generates the first new request for quote event according to second bid price, and will be described new by server
First request for quote event is sent to the corresponding client of each trading object, and the first new request for quote event includes repairing
The first bid price after changing；
S404, obtains the second new request for quote event returned by the server, the second request for quote event package
Include corresponding the second new bid price of trading object；
S405, repeat step S403~S404, terminate view when reaching default agreed-upon price termination condition with any trading object
Valency process simultaneously generates target transaction bank and corresponding transaction value.
4. the bill according to claim 2 based on instant agreed-upon price pattern directly pastes method, it is characterised in that the agreed-upon price knot
Beam condition includes：Reach default transaction limiting time, corresponding first bid price of transaction initiator and any trading object
Corresponding second bid price is reached an agreement, transaction initiator actively terminates to negotiate a price and enters process of completing a business transaction and trading object actively
Terminate to negotiate a price and enter and complete a business transaction process.
5. method is directly pasted according to any described bill based on instant agreed-upon price pattern of Claims 1 to 4, it is characterised in that institute
Stating step 1 is specially：The bank account of transaction initiator's input and the draft bank of bill to be transacted are obtained, and verifies bank's account
Whether family is true, if so, step 2 is then performed, if it is not, flow of then closing the trade.
6. the bill according to claim 5 based on instant agreed-upon price pattern directly pastes method, it is characterised in that in step 2, obtain
Take concretely comprising the following steps at least one trading object：At least one trading object is obtained according to default trading object list or obtained
At least one trading object that family is manually entered is taken, and the trading object being manually entered is added to default white list and is arranged
Table.
7. a kind of bill based on instant agreed-upon price pattern directly pastes system, it is characterised in that including：
First acquisition module, for obtaining the bank account of transaction initiator's input and the draft bank of bill to be transacted；
Second acquisition module, for obtaining at least one trading object；
Authentication module, the first billing information for obtaining the bill to be transacted according to the draft bank, and to first ticket
It is believed that breath is verified, rear-guard motion valency module is verified；
Agreed-upon price module, for obtaining the first bid price of transaction initiator's input, and first bid price is distributed to
At least one described trading object, the quotation of All Activity object is received in default exchange hour and is discussed with trading object
Valency, terminate bargaining process when reaching default agreed-upon price termination condition with any trading object and generate target transaction bank and
Corresponding transaction value；
Bill business processing module, for opening up the first trustship account with ticket recipient function in default bank, and leads to
Whether the direct-connected interface of bank for crossing default bank is inquired about within the default inquiry time limit and is incorporated in the first trustship account and institute
The consistent bill of draft bank is stated, if it is not, flow of then closing the trade；If so, then signing for the bill, and connect by the way that the bank is direct-connected
Mouth and the first trustship account send discount message to the target transaction bank；
Fund allocation module, the second trustship account of fund is discounted for being opened up in the default bank, and work as trustship
Receive after the instruction that the default bank sends, the fund is transferred to second trustship from the first trustship account
Account, the instruction is used to represent that the bill in the first trustship account is withdrawn by the target transaction bank, and described
The fund consistent with the transaction value is stored in first trustship account；And for receiving the instruction of withdrawing deposit of transaction initiator,
And the fund is transferred to the bank account of the transaction initiator according to the instruction of withdrawing deposit from the second trustship account.
8. the bill according to claim 7 based on instant agreed-upon price pattern directly pastes system, it is characterised in that the checking mould
Block includes：
First authentication unit, for inquiring about the draft bank in e-business draft system, and obtains the corresponding power of the draft bank
Sharp people's information and the second billing information, then judge whether obligee's information is consistent with transaction initiator, and judge first
Whether billing information is identical with second billing information, if so, being then verified and driving the second authentication unit, if there is one
Be no, then flow of closing the trade；Second billing information includes bill draft bank, denomination, accepter, the date of draft and expired
Day；
Second authentication unit, for inquiring about the vulnerability database pre-established, corresponding risk class is obtained according to the draft bank,
Verify that the bill whether there is risk according to the risk class, if so, prompt message is then generated, and flow of closing the trade,
If it is not, being then verified and driving agreed-upon price module.
9. the bill according to claim 8 based on instant agreed-upon price pattern directly pastes system, it is characterised in that the agreed-upon price mould
Block is specifically included：
First generation unit, for generating transaction event, and according to transaction event and the generation of at least one described trading object the
One request for quote event, the first request for quote event includes corresponding first bid price of transaction initiator and at least one
Trading object；
Release unit, for the first request for quote event to be sent into the corresponding client of each trading object by server
End, and the second request for quote event returned by the server is obtained, the second request for quote event includes transaction pair
As corresponding second bid price；
Second generation unit, for generating the first new request for quote event according to second bid price, and by described
The first new request for quote event is sent to the corresponding client of each trading object by release unit, and described new first
Request for quote event includes amended first bid price；
3rd generation unit, for when reaching default agreed-upon price termination condition with any trading object, terminating bargaining process simultaneously
Generate target transaction bank and corresponding transaction value.
10. system is directly pasted according to any described bill based on instant agreed-upon price pattern of claim 7~9, it is characterised in that institute
The first acquisition module is stated specifically for obtaining the bank account of transaction initiator's input and the draft bank of bill to be transacted, and verifies institute
Whether true bank account is stated, if so, the second acquisition module is then driven, if it is not, flow of then closing the trade；
Second acquisition module according to default trading object list specifically for obtaining at least one trading object or acquisition
At least one trading object that user is manually entered, and the trading object being manually entered is added to default white list list.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710137880.0A CN107038637A (en) | 2017-03-09 | 2017-03-09 | A kind of bill based on instant agreed-upon price pattern directly pastes method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710137880.0A CN107038637A (en) | 2017-03-09 | 2017-03-09 | A kind of bill based on instant agreed-upon price pattern directly pastes method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107038637A true CN107038637A (en) | 2017-08-11 |
Family
ID=59534141
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710137880.0A Pending CN107038637A (en) | 2017-03-09 | 2017-03-09 | A kind of bill based on instant agreed-upon price pattern directly pastes method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107038637A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107798602A (en) * | 2017-12-13 | 2018-03-13 | 中国建设银行股份有限公司福建省分行 | A kind of management method and system of the common reserve fund discount loan |
| CN109447785A (en) * | 2018-10-18 | 2019-03-08 | 原建军 | A kind of electronics acceptance bill method for secure transactions and system |
-
2017
- 2017-03-09 CN CN201710137880.0A patent/CN107038637A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107798602A (en) * | 2017-12-13 | 2018-03-13 | 中国建设银行股份有限公司福建省分行 | A kind of management method and system of the common reserve fund discount loan |
| CN107798602B (en) * | 2017-12-13 | 2021-03-05 | 中国建设银行股份有限公司福建省分行 | Management method and system for interest loan of public accumulation fund |
| CN109447785A (en) * | 2018-10-18 | 2019-03-08 | 原建军 | A kind of electronics acceptance bill method for secure transactions and system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN102844776B (en) | Return to the channel of disbursement of the limited proxy dynamic value used | |
| US8719136B2 (en) | Systems and methods relating to credit | |
| CN107481137A (en) | A kind of network loan system | |
| CN106897865A (en) | Online bill synthesis transaction platform based on cloud service | |
| CN107016610A (en) | A kind of bill based on fixed price pattern directly pastes method and system | |
| CN108038683A (en) | Method of payment, payment system and readable storage medium storing program for executing based on two class accounts | |
| CN106886935A (en) | Bill business server | |
| CN110648135A (en) | Electronic payment and settlement method based on object | |
| CN107615319A (en) | The system and method that credit is provided to medium-sized and small enterprises | |
| CN107710268A (en) | Method and its system of the debt of debt person with improving financial content are compressed in batch factoring transaction based on electronical record credits | |
| US20100312687A1 (en) | Method and System for Facilitating International Investment with Respect to Immigration | |
| CN104915827A (en) | Online order electronic settlement method and system | |
| CN107209895A (en) | Direct fund transfer process | |
| CN107038637A (en) | A kind of bill based on instant agreed-upon price pattern directly pastes method and system | |
| CN109472692A (en) | It is a kind of based on the anti-auditing system of task by stages cheated and method | |
| CN106557921A (en) | On-line payment method and device | |
| CN106897840A (en) | A kind of bill based on bidding mode directly pastes method and system | |
| CN106991604A (en) | A kind of bill based on instant agreed-upon price pattern directly pastes method and system | |
| CN107016607A (en) | A kind of bill based on bidding mode directly pastes method and system | |
| CN109410065A (en) | A kind of financing implementation method and device | |
| JP2001028026A (en) | Transaction support system | |
| CN108921682A (en) | A kind of processing method of value-added tax, device and system | |
| CN109389257A (en) | A kind of fund distribution method and device | |
| CN107067259A (en) | A kind of online buying/selling system and method | |
| CN107025603A (en) | A kind of bill based on fixed price pattern directly pastes method and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170811 |
|
| WD01 | Invention patent application deemed withdrawn after publication |