CN107194809A

CN107194809A - It is a kind of that method and system is just bought back based on the bill completed a business transaction on line

Info

Publication number: CN107194809A
Application number: CN201710333556.6A
Authority: CN
Inventors: 方敏
Original assignee: Wuhan Bill Trading Center Co Ltd
Current assignee: Wuhan Bill Trading Center Co Ltd
Priority date: 2017-05-12
Filing date: 2017-05-12
Publication date: 2017-09-22

Abstract

Method and system just bought back based on the bill completed a business transaction on line the present invention is more particularly directed to a kind of.Method comprises the following steps：Generate the positive buyback request of bill；Obtain at least one agreed-upon price bank；At least one target transaction bank, at least one corresponding target transaction bill of target transaction bank and the corresponding target transaction price of target transaction bill are generated from the agreed-upon price bank；Segmentation method is submitted using line complete first time of target transaction bill and hold position transfer；Reach after the repurchase time limit, sent to target transaction bank and redeem request, the transfer of holding position for the second time that segmentation method completes target transaction bill is submitted using line.The present embodiment facilitates more banks to be bidded online by the mode of completing a business transaction on negotiate a price online mode and line, is conducive to selecting most suitable trading object to carry out bill business, so as to increase bank return；Bill rate flow can be accelerated simultaneously, bill circulation efficiency is improved, promote the healthy and orderly development of bill market.

Description

It is a kind of that method and system is just bought back based on the bill completed a business transaction on line

Technical field

It is more particularly to a kind of that method is just being bought back based on the bill completed a business transaction on line and is being the present invention relates to bill business field System.

Background technology

Prior art generally carries out bill business using Chinese bill net, Pulan bill net etc..Existing trade mode is such as Under：User can send disclosure, the bank acceptance of orientation on the net in Chinese bill and just buy back quotation, pass through answer party of offering Formula is contacted with business personnel, and further negotiated transaction is carried out under line.User can also be honoured by being filled on the net in Pulan bill The information such as row type, denomination, due date of bill, which are entered to link up under line, negotiates a price, and Pulan company can receive silver from enterprise's hand Row acceptance bill, goes agreement row to handle positive repurchase operation.But in actual process of exchange, either Chinese bill net is still Pulan company all can only online under it is point-to-point progress bill agreed-upon price.The process of exchange of existing bank acceptance has following lack Point：First, bank acceptance is traded the key element to be considered a lot, and the bill that we look for oneself desired on website will be spent Take long time；Secondly, lower pass through to be made a phone call one by one online after the bill for wanting to be traded when we find Mode is negotiated a price with analogue, is wasted time and energy it is also possible to failure is so as to need to find suitable bill again；Finally, because The Limited information that user grasps, so interests of the user in transaction can not obtain expected guarantee.

The content of the invention

It is contemplated that at least solving one of above-mentioned technical problem.

Therefore, it is an object of the present invention to propose a kind of based on the bill completed a business transaction on line just to buy back method.The present invention Another purpose be provide it is a kind of based on the positive buyback system of bill completed a business transaction on line.

To achieve these goals, one embodiment of the present of invention is proposed a kind of is just being bought back based on the bill completed a business transaction on line Method, initiates the corresponding client of bank applied to transaction, comprises the following steps：

Step 1, billing information to be transacted and repurchase deadline information are obtained, the positive buyback request of bill is generated；

Step 2, corresponding agreed-upon price bank information is obtained；

Step 3, transaction event is generated according to the positive buyback request of the bill, the transaction event is distributed to agreed-upon price bank At least one corresponding agreed-upon price bank of information, using default agreed-upon price flow and at least one agreed-upon price bank in default exchange hour Bill to be transacted corresponding to the billing information to be transacted is negotiated a price, until generating at least one target from agreed-upon price bank Transaction bank, at least one corresponding target transaction bill of target transaction bank and the corresponding target transaction of target transaction bill Price；

Step 4, very first time axle is generated according to the first default flow of completing a business transaction, the very first time is shown by different colours On axle first it is default complete a business transaction flow it is each complete a business transaction before and after step is completed complete a business transaction state, described first default complete a business transaction flow and is used for Target transaction bill is transferred to the existing of target transaction bank and held position；

Step 5, start timing after target transaction bill, which is transferred to the target transaction bank existing, holds position and generate Duration is transferred the possession of, reaches that request is redeemed in generation, and the redemption request is pushed into the target after buying back the time limit when transferring the possession of duration The corresponding first default examination ＆ approval client of transaction bank, the redemption request at least includes repurchase price and repurchase Bank Account Number；

Step 6, after the first default examination ＆ approval time terminated, judge whether that receiving the described first default examination ＆ approval client sends The first examination ＆ approval by instruction, if so, step 7 is then performed, if it is not, then sending query statement to target transaction bank and receiving institute The instruction of submission again of target transaction bank transmission is stated, submits instruction to be redeemed to described after request modification again according to described, will Amended redemption request pushes to the described first default examination ＆ approval client, until receiving the described first default examination ＆ approval client The first examination ＆ approval sent pass through instruction；

Step 7, the second time shaft is generated according to the second default flow of completing a business transaction, second time is shown by different colours On axle second it is default complete a business transaction flow it is each complete a business transaction before and after step is completed complete a business transaction state, described second default complete a business transaction flow and is used for Target transaction bill is transferred to transaction initiation the existing of bank and held position.

The present embodiment facilitates more banks to be bidded online by the mode of completing a business transaction on negotiate a price online mode and line, is conducive to Most suitable trading object is selected to carry out bill business, so as to increase bank return；Bill rate flow can be accelerated, carried simultaneously Bill circulation efficiency has been risen, has promoted the healthy and orderly development of bill market.

A kind of method is just being bought back based on the bill completed a business transaction on line can also have in addition, according to the above embodiment of the present invention The technical characteristic added as follows：

In some instances, the step 2 is specially：

Step 201, obtain default transaction bank list or obtain the transaction bank information being manually entered；

Step 202, default access list list is obtained；

Step 203, the transaction bank in the transaction bank list or the transaction bank information pair being manually entered are judged Whether the transaction bank answered is in the access list list, if so, then using the transaction bank as agreed-upon price bank, if it is not, then Perform step 204；

Step 204, obtain and inquire about default intermediary bank's list of matches, judge whether the transaction bank has and match Intermediary bank, if so, then regarding the transaction bank as agreed-upon price bank, otherwise, flow of closing the trade.

In some instances, in step 4, described first default complete a business transaction flow and comprises the following steps：

S401, connects transaction platform, and sends the first query statement to transaction platform, and first query statement is used to drive The direct-connected interface of bank of the first default bank is inquired about in the first trustship account within the default first inquiry time limit in dynamic transaction platform Whether with the target transaction price consistent positive repurchase fund is incorporated；The first Query Result that transaction platform is returned is received, If first Query Result is incorporates the positive repurchase fund consistent with the target transaction price in the first trustship account, Step S402 is performed, if it is not, flow of then closing the trade；The first trustship account is to be opened in advance in the described first default bank If the trustship that is used for just buying back the account of fund；

S402, connects transaction platform, and sends the second query statement to transaction platform, and second query statement is used to drive The direct-connected interface of bank of the second default bank is inquired about in the second trustship account within the default second inquiry time limit in dynamic transaction platform Whether with the target transaction bill draft bank consistent bill is incorporated；The second Query Result that transaction platform is returned is received, if Second Query Result then performs to incorporate the bill consistent with the target transaction bill draft bank in the second trustship account Step S403, if it is not, flow of then closing the trade；The second trustship account is opened up in advance in the described second default bank Account for trustship target transaction bill；

S403, receive that transaction platform sends signs for prompting message, it is described sign for prompting message be used for remind transaction initiation Bank signs for the positive repurchase fund in the first trustship account and handed over for the target in the second trustship account of prompting Easy bill has turned to the existing of target transaction bank and held position.

S411, sends first to e-business draft system by transaction platform and freezes instruction, described first freezes instruction For driving e-business draft system to freeze the target transaction bill；

S412, connects transaction platform, and sends the 3rd query statement to transaction platform, and the 3rd query statement is used to drive The direct-connected interface of bank of the 3rd default bank is inquired about in the 3rd trustship account within the default 3rd inquiry time limit in dynamic transaction platform Whether with the target transaction price consistent positive repurchase fund is incorporated；The 3rd Query Result that transaction platform is returned is received, If the 3rd Query Result is incorporates the positive repurchase fund consistent with the target transaction price in the 3rd trustship account, Second is sent to the 3rd default bank by the transaction platform and freeze instruction, to freeze the positive repurchase fund, if it is not, then tying Beam transaction flow；The 3rd trustship account is to be opened up in advance in the described 3rd default bank for just being bought back described in trustship The account of fund；

S413, bill ownership transfer instruction, the ticket are sent by the transaction platform to e-business draft system It is described for driving e-business draft system to be revised as the ownership of the target transaction bill according to ownership transfer instruction Target transaction bank；

S414, receive that transaction platform sends signs for prompting message, it is described sign for prompting message be used for remind transaction initiation The positive repurchase fund in the 3rd trustship account is signed for by bank.

In some instances, in addition to step 8, the step 8 is specially：Receive the transaction and initiate bank to the mesh Mark transaction bank first is scored, and the current scoring according to the described first scoring to the target transaction bank is updated； And the second scoring that the target transaction bank initiates the transaction bank is received, and according to the described second scoring to described The current scoring that bank is initiated in transaction is updated.

In some instances, concretely comprising the following steps for billing information to be transacted is obtained in step 1:What acquisition was manually entered waits to hand over Easy billing information；Or obtain the transaction initiation existing whole billing informations held position of bank and the input of transaction initiation bank The first filter information, the whole billing informations carried out with screening according to first filter information generate bill to be transacted believing Breath.

In some instances, note validating step, the note validating step are also included between the step 3 and step 4 Specially：The draft bank of the target transaction bill is obtained, and according to the first ticket of the draft bank acquisition target transaction bill It is believed that breath, is then verified to first billing information, step 4 is performed after being verified.

The embodiment of second aspect of the present invention also proposed a kind of based on the positive buyback system of bill completed a business transaction on line, including friendship Easy platform client corresponding with transaction initiation bank, the client includes：

Generation module is asked, for obtaining billing information to be transacted and repurchase deadline information, the positive buyback request of bill is generated；

Acquisition module, for obtaining corresponding agreed-upon price bank information；

Agreed-upon price module, for generating transaction event according to the positive buyback request of the bill, the transaction event is distributed to At least one corresponding agreed-upon price bank of agreed-upon price bank information, using default agreed-upon price flow and at least one in default exchange hour Agreed-upon price bank negotiates a price to the corresponding bill to be transacted of the billing information to be transacted, until being generated at least from agreed-upon price bank One target transaction bank, at least one corresponding target transaction bill of target transaction bank and target transaction bill are corresponding Target transaction price；

First completes a business transaction module, for generating very first time axle according to the first default flow of completing a business transaction, is shown by different colours The first default each step of completing a business transaction for completing a business transaction flow completes front and rear state of completing a business transaction on the very first time axle, and described first presets Completing a business transaction flow is used to target transaction bill being transferred to the existing of target transaction bank to hold position；

First judge module, for starting after target transaction bill is transferred to the target transaction bank existing and held position Timing simultaneously generates transfer duration, reaches that request is redeemed in generation, and described redeem is asked to push after buying back the time limit when transferring the possession of duration To the corresponding first default examination ＆ approval client of the target transaction bank, the redemption request at least includes repurchase price and repurchase Bank Account Number；

Second judge module, after terminating for the first default examination ＆ approval time, judges whether to receive described first and default examines The first examination ＆ approval of client transmission are criticized by instruction, if so, then execution step 7, if it is not, then being inquired about to the transmission of target transaction bank The instruction of submission again that the target transaction bank sends is instructed and received, submits instruction please to the redemption again according to described Ask after modification, amended redemption request is pushed into the described first default examination ＆ approval client, until it is pre- to receive described first If the first examination ＆ approval for examining client transmission pass through instruction；

Second-day delivery module, for generating the second time shaft according to the second default flow of completing a business transaction, is shown by different colours The second default each step of completing a business transaction for completing a business transaction flow completes front and rear state of completing a business transaction on second time shaft, and described second presets Flow is completed a business transaction to hold position for target transaction bill to be transferred to transaction initiation the existing of bank.

In addition, it is according to the above embodiment of the present invention can also be had based on the positive buyback system of bill completed a business transaction on line it is as follows Additional technical characteristic：

In some instances, the acquisition module includes：

First acquisition unit, for obtaining default transaction bank list or obtaining the transaction bank being manually entered letter Breath；

Second acquisition unit, for obtaining default access list list；

First judging unit, for judging the transaction bank in the transaction bank list or the transaction being manually entered silver Whether the corresponding transaction bank of row information is in the access list list, if so, then using the transaction bank as agreed-upon price bank, And agreed-upon price module is driven, if it is not, then driving the second judging unit；

Second judging unit, for obtaining and inquiring about default intermediary bank's list of matches, judges that the transaction bank is It is no to have the intermediary bank matched, if so, then using the transaction bank as agreed-upon price bank, and agreed-upon price module is driven, and otherwise, knot Beam transaction flow.

In some instances, in addition to note validating module, the note validating module is specifically for obtaining the target The draft bank of bill of exchange, and obtain according to the draft bank the first billing information of the target transaction bill, then to described the One billing information is verified that module is completed a business transaction in driving after being verified.

The additional aspect and advantage 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 the practice of the present invention.

Brief description of the drawings

The above-mentioned and/or additional aspect and advantage of the present invention will become from description of the accompanying drawings below to embodiment is combined Substantially and be readily appreciated that, wherein：

Fig. 1 is the process schematic diagram that method is just being bought back based on the bill completed a business transaction on line that embodiment 1 is provided；

Fig. 2 is the connection diagram based on the positive buyback system of bill completed a business transaction on line that embodiment 2 is provided；

Fig. 3 is the connection diagram based on the positive buyback system of bill completed a business transaction on line that embodiment 3 is provided.

Embodiment

With reference to following description and accompanying drawing, it will be clear that these and other aspects of embodiments of the invention.In these descriptions In accompanying drawing, some particular implementations in embodiments of the invention are specifically disclosed, to represent the implementation for implementing the present invention Some modes of the principle of example, but it is to be understood that the scope of embodiments of the invention is not limited.On the contrary, the present invention Embodiment includes all changes, modification and the equivalent fallen into the range of the spirit and intension of attached claims.

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 implying relative importance.Term " installation ", " connected ", " connection " should be interpreted broadly, for example, it may be solid Calmly connect or be detachably connected, or be integrally connected；Can be mechanical connection or electrical connection；Can be straight Connect connected, can also be indirectly connected to by intermediary, can be the connection of two element internals.For the common skill of this area For art personnel, the concrete meaning of above-mentioned term in the present invention can be understood with concrete condition.

Below in conjunction with accompanying drawing describe it is according to embodiments of the present invention it is a kind of based on the bill completed a business transaction on line just buying back method and System.

Fig. 1 is a kind of process schematic diagram that method is just being bought back based on the bill completed a business transaction on line that embodiment 1 is provided, application The corresponding client of bank is initiated in transaction, as shown in figure 1, comprising the following steps：

Step 2, corresponding agreed-upon price bank information is obtained；

The present embodiment is accomplished that the positive buyback processes of bill between bank, and the bill to be transacted is electric ticket.Described One time shaft include first it is default complete a business transaction each of flow and complete a business transaction step, can show that first default completes a business transaction stream by different colours The state of completing a business transaction of step is each completed a business transaction in journey, such as some is completed a business transaction step and not completed, then this completes a business transaction step on very first time axle Color appear dimmed, completing a business transaction step when some completes, then on very first time axle this to complete a business transaction step shown in green, it is convenient User intuitively obtains and completes a business transaction status information, and the second time shaft is similarly.The present embodiment passes through the side of completing a business transaction on negotiate a price online mode and line Formula not only increases the efficiency and success rate that bill is just being bought back, and facilitates more banks to be bidded online, is conducive to selection Most suitable trading object carries out bill business, so as to increase bank return；Bill rate flow can be accelerated, improved simultaneously Bill circulation efficiency, promotes the healthy and orderly development of bill market.

In the particular embodiment, it can include in the positive buyback request of bill of the transaction initiation bank multiple to be transacted Bill, agreed-upon price bank is received after transaction event, and one or more bill to be transacted can be selected to initiate silver with transaction Row is negotiated a price, therefore, and the positive multiple target transaction banks of buyback request correspondence of bill that bank initiates, each target are initiated in transaction Transaction bank initiates bank with regard to one of them or several bills to be transacted and transaction, and to reach price consistent, so as to complete to merchandise Journey.

In preferred embodiment, the step 2 is specially：

Step 202, default access list list is obtained；

The preferred embodiment is limited undesirable agreed-upon price bank using the list of access list, and in Between bank's list of matches expand the bank's scope for participating in negotiating a price, advantageously in selecting most suitable agreed-upon price bank to be handed over Easily, further increase bank return, accelerate bill rate flow, improve bill circulation efficiency, promote bill market health to have Sequence develops.In the step 203 of another specific embodiment, the filter information of bank's input can also be initiated according to transaction to transaction silver All agreed-upon price banks on row-column list are first screened, so as to select satisfactory first agreed-upon price bank, then judge this Whether one agreed-upon price bank is in default access list list.The filter information includes Bank Name, agreed-upon price bank scope, bill Storage and/or historical trading total amount etc..This is preferable to carry out first carrying out the All Activity bank in transaction bank list Primary screening, so that the agreed-upon price bank obtained more conforms to the demand that bank is initiated in transaction, further increases the purchase of bill reverse back Efficiency and success rate.

In preferred embodiment, the step 4 is specially：Very first time axle is generated according to the first default flow of completing a business transaction, then Perform described first it is default complete a business transaction flow and obtain first default complete a business transaction each state of completing a business transaction for completing a business transaction step, Ran Houtong in flow Cross different colours show on the very first time axle it is each complete a business transaction before and after step is completed complete a business transaction state.In a specific embodiment In, described first default complete a business transaction flow and comprises the following steps：

In the present embodiment, using transaction platform as third-party platform, by the positive repurchase fund of target transaction bank paying The target transaction bill for initiating bank with transaction is temporarily stored into the bank account for being opened in third-party platform, so as to be initiated for transaction The bill business behavior of bank and trading object provides safeguard, and further increases efficiency and success rate that bill is just being bought back. In the preferred embodiment, if the agreed-upon price bank not the list of access list and with corresponding intermediary bank when, the quotation Price is that target transaction bank offers to the bill to be transacted and intermediary bank is to the bill quotation sum to be transacted, right The positive repurchase fund answered is that target transaction bank treats the positive repurchase fund of bill of exchange payment and intermediary bank waits to hand over to described In the positive repurchase fund sum of easy ticket payment, i.e. S401, when target transaction bank and intermediary bank respectively should prop up oneself The fund paid is stored in after the first trustship account, enters back into S402.

In another specific embodiment, described first default complete a business transaction flow and comprises the following steps：

In the present embodiment, without using transaction platform as third-party platform, but directly to e-business draft system Transmission first freezes instruction and temporarily freezes the target transaction bill, treats to incorporate in the 3rd trustship account and the target transaction The consistent positive repurchase fund of price and after freezing to the positive repurchase fund, changes the ownership letter of the target transaction bill Breath, and remind target transaction bank to sign for the target transaction bill in the e-business draft system, by the mesh Mark bill of exchange is transferred to the existing of target transaction bank and held position, while to the positive repurchase fund solution in the 3rd trustship account Freeze, the positive repurchase fund in the 3rd trustship account is gone into transaction initiates bank, so as to be that bank is initiated in transaction and target is handed over The bill business behavior of easy bank provides safeguard, and further increases efficiency and success rate that bill is just being bought back.This is preferable to carry out Example in, if the agreed-upon price bank not the list of access list and with corresponding intermediary bank when the bid price be target friendship Easy bank is to the bill quotation to be transacted and intermediary bank to the bill quotation sum to be transacted, corresponding positive repurchase money For target transaction bank treat bill of exchange payment positive repurchase fund and intermediary bank to the ticket payment to be transacted In positive repurchase fund sum, i.e. S412, when the fund that oneself should be paid is stored in by target transaction bank and intermediary bank respectively After 3rd trustship account, S413 is entered back into.

In preferred embodiment, in addition to step 8, the step 8 is specially：Receive the transaction and initiate bank to the mesh Mark transaction bank first is scored, and the current scoring according to the described first scoring to the target transaction bank is updated； And the second scoring that the target transaction bank initiates the transaction bank is received, and according to the described second scoring to described The current scoring that bank is initiated in transaction is updated.In the preferred embodiment, often complete a bill and just buying back operation, you can be right Both parties are scored, so in transaction next time, trading object can be ranked up according to current scoring height, so that Suitable trading object is selected, the risk of the positive buyback processes of bill is reduced, further promotes the healthy and orderly development of bill market.

In another preferred embodiment, note validating step is also included between the step 3 and step 4, the bill is tested Demonstrate,proving step is specially：The draft bank of the target transaction bill is obtained, and the target transaction bill is obtained according to the draft bank First billing information, is then verified to first billing information, and step 4 is performed after being verified.Specifically, to described First billing information carries out checking and specifically includes following steps：

S700, inquires about the draft bank, and obtain the corresponding second bill letter of the draft bank in e-business draft system Breath, judges whether first billing information is identical with second billing information, if so, be then verified and perform S710, If it is not, then end step；

S710, 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 end step, if it is not, then verifying logical Cross and perform step 4.

The preferred embodiment inquires about e-business draft system first, it is ensured that the correctness of fare basis, Ran Houtong Cross inquiry vulnerability database to verify the risk class of bill business, so as to prompt the user with friendship during bill business Easy risk, it is ensured that the safety that user carries out bill business, just bought back, promotes the orderly progress in whole bill business market. The vulnerability database is information and present system oneself hair based on the publicity of the common platform such as law court, bill business net institute What risk data that is existing, collecting or obtained through report was set up, not only risk data is perfect, and updates timely, can be with maximum limit The risk evaded for user in bill business of degree.

When transaction initiation bank actively generates conclusion of the business instruction or bank is initiated in transaction in the step 6 of another specific embodiment Actively terminate to negotiate a price and into step when completing a business transaction process, is also included validating that between the step 6 and note validating step, it is described true Recognizing step is specially：According to target transaction bank, at least one corresponding target transaction bill of target transaction bank and target The corresponding target transaction price generation pending payment inventory of bill of exchange, the target transaction silver is pushed to by the pending payment inventory The corresponding second default examination ＆ approval client of row, and judge the second default examination ＆ approval client whether is received in the second default examination ＆ approval time The second examination ＆ approval that end is sent are by instruction, if so, note validating step is then performed, if it is not, process of then closing the trade.The preferred reality Apply and examination ＆ approval step is added in example, further ensure transaction security, improve transaction success rate.

Concretely comprising the following steps for billing information to be transacted is obtained in preferred embodiment, in step 1:Obtain transaction and initiate bank The billing information to be transacted that keeper is manually entered；Or obtain the existing whole billing informations held position of the transaction initiation bank And the first filter information of bank's input is initiated in transaction, whole billing informations are carried out according to first filter information Screening generation billing information to be transacted.First filter information includes trade variety and/or prompt day.

In various embodiments above, agreed-upon price method includes fixed price pattern, instant agreed-upon price pattern and bidding mode etc., with Illustrated respectively in lower embodiment.

In one embodiment, step 3 uses fixed price agreed-upon price pattern, and the step 3 is specially：

S301, transaction event is generated according to the positive buyback request of the bill, and according to transaction event and it is described at least one Agreed-upon price bank generates the first request for quote event, and the first request for quote event includes repurchase time limit, described to be transacted Corresponding first bid price of bank and at least one agreed-upon price bank are initiated in billing information, transaction；

S302, the corresponding client of each agreed-upon price bank is sent to by transaction platform by the first request for quote event End；

S303, obtains at least one the second request for quote thing returned by the transaction platform in default exchange hour Part, the second request for quote event includes second bid price of the agreed-upon price bank at least one bill to be transacted；

S304, judges whether to receive the conclusion of the business instruction that bank is initiated in transaction, if so, then before default exchange hour terminates According to striking a bargain, instruction generates at least one target transaction bank, target transaction bank corresponding at least one from the agreed-upon price bank Individual target transaction bill and the corresponding target transaction price of each target transaction bill；If it is not, then process of exchange terminates.

The bargaining process of above-described embodiment is fixed price pattern, and receiving agreed-upon price bank in default exchange hour treats friendship The unique of easy bill once offers, and transaction is initiated bank and received after the quotation, and whether assessment quotation is suitable, if properly, generating Strike a bargain instruction and at least one target transaction bank, at least one corresponding target transaction bill of target transaction bank and every The corresponding target transaction price of individual target transaction bill, whole bargaining process is simple, so as to ensure that the efficiency that bill is just being bought back And success rate, while bill rate flow can be accelerated, bill circulation efficiency is improved, further promote bill market health to have Sequence develops.

In one embodiment, step 3 uses instant agreed-upon price pattern, and the step 3 is specially：

S311, transaction event is generated according to the positive buyback request of the bill, and according to transaction event and it is described at least one Agreed-upon price bank generates the first request for quote event, and the first request for quote event includes repurchase time limit, described to be transacted Corresponding first bid price of bank and at least one agreed-upon price bank are initiated in billing information, transaction；

S312, the corresponding client of each agreed-upon price bank is sent to by transaction platform by the first request for quote event End, and at least one the second request for quote event returned by the transaction platform is obtained in default exchange hour, it is described Second request for quote event includes second bid price of the agreed-upon price bank at least one bill to be transacted；

S313, the first new request for quote event is generated according to second bid price, the first new quotation please Ask event to include transaction and initiate corresponding the first new bid price of bank；

S314, obtains the second new request for quote event returned by the transaction platform, the second new quotation Request event includes corresponding the second new bid price of agreed-upon price bank；

S315, repeat step S313~S314, until reaching default agreed-upon price termination condition, the agreed-upon price with agreed-upon price bank Termination condition includes：Reach that bank is initiated in default transaction limiting time, corresponding second bid price of agreed-upon price bank and transaction Corresponding first bid price is reached an agreement, the initiation bank that merchandises actively terminates to negotiate a price and entered and completes a business transaction process and agreed-upon price bank master It is dynamic to terminate agreed-upon price and enter to complete a business transaction process.Specifically, that is, merchandise and actively terminated by transaction initiation bank or agreed-upon price bank；Or Person presets before exchange hour terminates and generates at least one target transaction bank, at least one corresponding target of target transaction bank Bill of exchange and the corresponding target transaction price of each target transaction bill；Or default exchange hour terminate after without and appoint What agreed-upon price bank reaches an agreement.

The bargaining process of above-described embodiment is instant agreed-upon price pattern, and agreed-upon price bank can be received in default exchange hour The multiple quotation of bill of exchange is treated, transaction is initiated bank and negotiated a price in default exchange hour with agreed-upon price bank, until pre- If exchange hour terminates, or generates at least one target transaction bank, corresponding at least one target friendship of target transaction bank Easy bill and the corresponding target transaction price of each target transaction bill, whole bargaining process are simple, so as to ensure that bill The efficiency and success rate just bought back, while can accelerate bill rate flow, improve bill circulation efficiency, further promote ticket According to the healthy and orderly development in market.

In one embodiment, step 3 uses bidding mode, and the step 3 is specially：

S321, transaction event is generated according to the positive buyback request of the bill, and according to transaction event and it is described at least one Agreed-upon price bank generates the first request for quote event, and the first request for quote event includes repurchase time limit, described to be transacted Billing information and at least one agreed-upon price bank；

S322, the corresponding client of each agreed-upon price bank is sent to by transaction platform by the first request for quote event End；

S323, obtains at least one the second request for quote thing returned by the transaction platform in default exchange hour Part, the second request for quote event includes bid price of the agreed-upon price bank to bill to be transacted at least one described；

S324, after the default exchange hour terminates, bid price and default bargain in the default exchange hour of selection Matching degree highest agreed-upon price bank generates at least one corresponding target transaction of target transaction bank as target transaction bank Bill and the corresponding target transaction price of each target transaction bill；If being not received by any agreed-upon price in default exchange hour The the second request for quote event or the bid price and default conclusion of the business condition coupling degree of all agreed-upon price banks that bank returns are low In predetermined threshold value, then flow of closing the trade.

The bargaining process of above-described embodiment is bidding mode, and agreed-upon price can be received in default exchange hour to be transacted The multiple quotation of bill, after default exchange hour terminates, generates target transaction bank, target according to the quotation of agreed-upon price bank and hands over Easy at least one corresponding target transaction bill of bank and the corresponding target transaction price of each target transaction bill, such as select The trading object of admission fee total value in the closest default bill parameter of quotation total value of all bills is selected as target transaction bank, it is whole Individual bargaining process is simple, so that efficiency and success rate that bill is just being bought back are ensure that, while can accelerate bill rate flow, carry Bill circulation efficiency has been risen, has further promoted the healthy and orderly development of bill market.

More than in several bargaining processes, the transaction platform is AS transaction platforms, and the AS transaction platforms receive the After one request for quote event, first determine whether that transaction, whether also in active state, if being active, calls special disposal The first request for quote event is distributed to agreed-upon price bank by the transaction engine of transaction related service.Transaction engine is firstly generated One with the first request for quote event corresponding transaction engine event, transaction engine event include the first request for quote event correspondence Transaction id and agreed-upon price bank, an event handling thread, the event are then started from transaction engine pond according to transaction id Processing thread calls state machine by the first request for quote case distribution to agreed-upon price according to the state machine ID of the transaction engine event Bank.

In preferred embodiment, obtain after bill to be transacted, if bill to be transacted has multiple, can be treated according to preparatory condition Bill of exchange carries out class indication and is ranked up according to classification results.Such as when Liang Ge banks carry out the positive buy-back deal of bill When, if when accepting bank's full name of bill to be transacted is not receiving the access list of ticket row, i.e. target transaction bank, acquiescence is not chosen In, with "！" display, and remarks " not in access list ", marked with other colors for being different from background；When holding for bill to be transacted Access list of the row full name in target transaction bank is converted, but target transaction bank does not choose the ticket, then is shown with "×", and remarks " having ignored "；Friendship is treated when the quotation that target transaction bank treats bill of exchange is less than or equal to transaction initiation bank (row of drawing a bill) During the quotation of easy bill, acquiescence is selected, is shown with √, and remarks " purpose is reached "；When target transaction bank is to ticket to be transacted According to quotation be more than transaction and initiate bank's (row of drawing a bill) and treat the quotation of bill of exchange when, acquiescence is selected, is shown with √, and standby Note " quotation difference ".

Meanwhile, when showing the quotation information of bill to be transacted, bank's quotation or target transaction silver are initiated in either transaction Row quotation, if quotation and the last time quotation of oneself row are variant, is represented with down arrows, if this quotation is than last Higher position of offering with upward red arrow ↑, if this quotation than it is last offer it is low with regard to downward green arrow ↓.

Fig. 2 is a kind of connection diagram based on the positive buyback system of bill completed a business transaction on line that embodiment 2 is provided, including is handed over Easy platform client corresponding with transaction initiation bank, as shown in Fig. 2 the client includes：

In preferred embodiment, the acquisition module includes：

Second acquisition unit, for obtaining default access list list；

In another preferred embodiment, described first, which completes a business transaction module, includes the first execution unit, the second execution unit and first Information receiving unit,

First execution unit is used to connect transaction platform, and sends the first query statement to transaction platform, and described the One query statement is used to drive the direct-connected interface of bank of the first default bank in transaction platform to be looked within the default first inquiry time limit Ask and the positive repurchase fund consistent with the target transaction price whether is incorporated in the first trustship account；Transaction platform is received to return The first Query Result, if first Query Result be the first trustship account in incorporate it is consistent with the target transaction price Positive repurchase fund, then the second execution unit is driven, if it is not, flow of then closing the trade；The first trustship account is described What is opened up in advance in first default bank is used for the account that fund is just being bought back in trustship；

Second execution unit is used to connect transaction platform, and sends the second query statement to transaction platform, and described the Two query statements are used to drive the direct-connected interface of bank of the second default bank in transaction platform to be looked within the default second inquiry time limit Ask and the bill consistent with the target transaction bill draft bank whether is incorporated in the second trustship account；Receive what transaction platform was returned Second Query Result, if second Query Result be the second trustship account in incorporate and the target transaction bill draft bank one The bill of cause, then drive first information receiving unit, if it is not, flow of then closing the trade；The second trustship account is described The account for trustship target transaction bill opened up in advance in second default bank；

The first information receiving unit is used for the prompting message of signing for for receiving transaction platform transmission, described to sign for reminding letter Cease for reminding transaction initiation bank to sign for the positive repurchase fund in the first trustship account and for reminding second Target transaction bill in trustship account has turned to the existing of target transaction bank and held position.

In another embodiment, described first complete a business transaction module including the first instruction sending unit, the second instruction sending unit, 3rd instruction sending unit and the second information receiving unit,

First instruction sending unit is used to freeze to refer to e-business draft system transmission first by transaction platform Order, described first, which freezes instruction, is used to drive e-business draft system to freeze the target transaction bill；

Second instruction sending unit is used to connect transaction platform, and sends the 3rd query statement, institute to transaction platform Stating the 3rd query statement is used to drive the direct-connected interface of bank of the 3rd default bank in transaction platform in the default 3rd inquiry time limit The positive repurchase fund consistent with the target transaction price whether is incorporated in the 3rd trustship account of interior inquiry；Receive transaction platform Return the 3rd Query Result, if the 3rd Query Result be the 3rd trustship account in incorporate and the target transaction price Consistent positive repurchase fund, then send second to the 3rd default bank by the transaction platform and freeze instruction, described to freeze Positive repurchase fund, if it is not, flow of then closing the trade；The 3rd trustship account is to be opened up in advance in the described 3rd default bank Be used for the account of positive repurchase fund described in trustship；

3rd instruction sending unit is used to send bill institute to e-business draft system by the transaction platform Category power transfer instruction, the bill ownership transfer instruction is used to drive e-business draft system by the target transaction bill Ownership be revised as the target transaction bank；

Second information receiving unit is used for the prompting message of signing for for receiving transaction platform transmission, described to sign for reminding letter Cease for reminding transaction initiation bank to sign for the positive repurchase fund in the 3rd trustship account.

Fig. 3 is a kind of connection diagram based on the positive buyback system of bill completed a business transaction on line that embodiment 3 is provided, such as Fig. 3 It is shown, in addition to evaluation module, the evaluation module is for receiving the transaction initiation bank to the target transaction bank First is scored, and the current scoring according to the described first scoring to the target transaction bank is updated；And receive described Target transaction bank initiates the transaction the second scoring of bank, and initiates bank to the transaction according to the described second scoring Current scoring be updated.In the embodiment 3, in addition to note validating module, as shown in figure 3, the note validating mould Block obtains the first of the target transaction bill specifically for obtaining the draft bank of the target transaction bill according to the draft bank Billing information, is then verified to first billing information, and module is completed a business transaction described in driving after being verified.The bill is tested Card module obtains the corresponding second bill letter of the draft bank specifically for inquiring about the draft bank in e-business draft system Breath, judges whether first billing information is identical with second billing information, if it is not, then end step, if so, then verifying By and inquire about the vulnerability database that pre-establishes, corresponding risk class is obtained according to the draft bank, according to described risk etc. Bill described in level verification whether there is risk, if so, prompt message is then generated, and end step, if it is not, being then verified and driving Module is completed a business transaction described in dynamic.

In preferred embodiment, the request generation module includes billing information acquiring unit, and the billing information obtains single Member is used to obtain the billing information to be transacted that transaction initiation bank management person is manually entered；Or obtain the transaction initiation bank The first filter information of bank's input is initiated in the existing whole billing informations held position and transaction, according to first filter information Whole billing informations are carried out with screening generation billing information to be transacted.

In the embodiment 3, module is also included validating that, as shown in figure 3, the confirmation module is used for according to target transaction silver Row, at least one corresponding target transaction bill of target transaction bank and the corresponding target transaction price life of target transaction bill Into pending payment inventory, the pending payment inventory is pushed into the corresponding second default examination ＆ approval client of the target transaction bank, And the second examination ＆ approval that the second default examination ＆ approval client transmission whether is received in the second default examination ＆ approval time are judged by instruction, if It is note validating module then to be driven, if it is not, process of then closing the trade.

In a specific embodiment, the agreed-upon price module is negotiated a price using fixed price pattern, the agreed-upon price module Including：

First event generation unit, for generating transaction event according to the positive buyback request of the bill, and according to transaction thing Part and at least one described agreed-upon price bank generate the first request for quote event, and the first request for quote event includes the repurchase Corresponding first bid price of bank and at least one agreed-upon price bank are initiated in deadline information, billing information to be transacted, transaction；

First case distribution unit, for the first request for quote event to be sent into each agreed-upon price by transaction platform The corresponding client of bank；

3rd acquiring unit, at least one returned for being obtained in default exchange hour by the transaction platform the Two request for quote events, the second request for quote event includes agreed-upon price bank to one second of at least one bill to be transacted Bid price；

First result generation unit, for judging whether that receiving transaction initiates bank before default exchange hour terminates Strike a bargain instruction, if so, then generating at least one target transaction bank, target transaction from the agreed-upon price bank according to the instruction that strikes a bargain At least one corresponding target transaction bill of bank and the corresponding target transaction price of each target transaction bill；If it is not, then Process of exchange terminates.

In another specific embodiment, the agreed-upon price module is negotiated a price using instant agreed-upon price pattern, the agreed-upon price mould Block includes：

Second event generation unit, for generating transaction event according to the positive buyback request of the bill, and according to transaction thing Part and at least one described agreed-upon price bank generate the first request for quote event, and the first request for quote event includes the repurchase Corresponding first bid price of bank and at least one agreed-upon price bank are initiated in deadline information, billing information to be transacted, transaction；And The first new request for quote event is generated according to second bid price, the first new request for quote event includes transaction Initiate corresponding the first new bid price of bank；

Second event Dispatching Unit, for the first request for quote event to be sent into each agreed-upon price by transaction platform The corresponding client of bank；

4th acquiring unit, at least one returned for being obtained in default exchange hour by the transaction platform the Two request for quote events, the second request for quote event includes agreed-upon price bank to one second of at least one bill to be transacted Bid price；And for obtaining the second new request for quote event returned by the transaction platform, it is described newly second Request for quote event includes corresponding the second new bid price of agreed-upon price bank；

Second result generation unit, during for reaching default agreed-upon price termination condition with agreed-upon price bank, generates at least one Target transaction bank, at least one corresponding target transaction bill of target transaction bank and each target transaction bill are corresponding Target transaction price.

In another specific embodiment, the agreed-upon price module is negotiated a price using bidding mode, the agreed-upon price module bag Include：

3rd event generation unit, for generating transaction event according to the positive buyback request of the bill, and according to transaction thing Part and at least one described agreed-upon price bank generate the first request for quote event, and the first request for quote event includes the repurchase Deadline information, the billing information to be transacted and at least one agreed-upon price bank；

3rd case distribution unit, each agreed-upon price bank is sent to by transaction platform by the first request for quote event Corresponding client；

5th acquiring unit, at least one returned for being obtained in default exchange hour by the transaction platform the Two request for quote events, the second request for quote event includes quotation agreed-upon price bank to bill to be transacted at least one described Price；

3rd result generation unit, after terminating for the default exchange hour, quotation valency in the default exchange hour of selection Lattice and default conclusion of the business condition coupling degree highest agreed-upon price bank are as target transaction bank, and it is corresponding to generate target transaction bank At least one target transaction bill and the corresponding target transaction price of each target transaction bill；If not having in default exchange hour There is the bid price of the second request for quote event for receiving any agreed-upon price bank return or all agreed-upon price banks with being preset to Condition coupling degree is handed over to be below predetermined threshold value, then flow of closing the trade.

Transaction platform in above-mentioned case distribution unit is AS transaction platforms, and the AS transaction platforms are specifically for receiving After first request for quote event, first determine whether that transaction, whether also in active state, if being active, calls special place The first request for quote event is distributed to agreed-upon price bank by the transaction engine of reason transaction related service.Transaction engine is given birth to first Into one with the first request for quote event corresponding transaction engine event, transaction engine event include the first request for quote event pair The transaction id answered and agreed-upon price bank, then start an event handling thread, the thing according to transaction id from transaction engine pond Part handles thread and calls state machine by the first request for quote case distribution to view according to the state machine ID of the transaction engine event Valency bank.

Any process described otherwise above or method description are construed as in flow chart or herein, represent to include Module, fragment or the portion of the code of one or more executable instructions for the step of realizing specific logical function or process Point, and the scope of the preferred embodiment of the present invention includes other realization, wherein can not be by shown or discussion suitable Sequence, including according to involved function by it is basic simultaneously in the way of or in the opposite order, carry out perform function, this should be of the invention Embodiment person of ordinary skill in the field understood.

Represent in flow charts or logic and/or step described otherwise above herein, for example, being considered use In the order list for the executable instruction for realizing logic function, it may be embodied in any computer-readable medium, for Instruction execution system, device or equipment (such as computer based system including the system of processor or other can be held from instruction The system of row system, device or equipment instruction fetch and execute instruction) use, or combine these instruction execution systems, device or set It is standby and use.For the purpose of this specification, " computer-readable medium " can any can be included, store, communicate, propagate or pass Defeated program is for instruction execution system, device or equipment or the dress for combining these instruction execution systems, device or equipment and using Put.The more specifically example (non-exhaustive list) of computer-readable medium includes following：Electricity with one or more wirings Connecting portion (electronic installation), portable computer diskette box (magnetic device), random access memory (RAM), read-only storage (ROM), erasable edit read-only storage (EPROM or flash memory), fiber device, and portable optic disk is read-only deposits Reservoir (CDROM).In addition, can even is that can be in the paper of printing described program thereon or other are suitable for computer-readable medium Medium, because can then enter edlin, interpretation or if necessary with it for example by carrying out optical scanner to paper or other media His suitable method is handled electronically to obtain described program, is then stored in computer storage.

It should be appreciated that each several part of the present invention can be realized with hardware, software, firmware or combinations thereof.Above-mentioned In embodiment, the software that multiple steps or method can in memory and by suitable instruction execution system be performed with storage Or firmware is realized.If, and in another embodiment, can be with well known in the art for example, realized with hardware Any one of row technology or their combination are realized：With the logic gates for realizing logic function to data-signal Discrete logic, the application specific integrated circuit with suitable combinational logic gate circuit, programmable gate array (PGA), scene Programmable gate array (FPGA) etc..

Those skilled in the art are appreciated that to realize all or part of step that above-described embodiment method is carried Rapid to can be by program to instruct the hardware of correlation to complete, described program can be stored in a kind of computer-readable storage medium In matter, the program upon execution, including one or a combination set of the step of embodiment of the method.

In addition, each functional unit in each embodiment of the invention can be integrated in a processing module, can also That unit is individually physically present, can also two or more units be integrated in a module.Above-mentioned integrated mould Block can both be realized in the form of hardware, it would however also be possible to employ the form of software function module is realized.The integrated module is such as Fruit is realized using in the form of software function module and as independent production marketing or in use, can also be stored in a computer In read/write memory medium.

Storage medium mentioned above can be read-only storage, disk or CD etc..

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 Necessarily refer to identical embodiment or example.Moreover, specific features, structure, material or the feature of description can be any One or more embodiments or example in combine in an appropriate manner.

Although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be with A variety of changes, modification can be carried out to these embodiments, replace without departing from the principles and spirit of the present invention by understanding And modification, the scope of the present invention is by appended claims and its equivalent limits.

Claims

1. a kind of just buy back method based on the bill completed a business transaction on line, the corresponding client of bank, its feature are initiated applied to transaction It is, comprises the following steps：

Step 2, corresponding agreed-upon price bank information is obtained；

Step 3, transaction event is generated according to the positive buyback request of the bill, the transaction event is distributed to agreed-upon price bank information At least one corresponding agreed-upon price bank, using default agreed-upon price flow and at least one agreed-upon price bank to institute in default exchange hour State the corresponding bill to be transacted of billing information to be transacted to be negotiated a price, until generating at least one target transaction from agreed-upon price bank Bank, at least one corresponding target transaction bill of target transaction bank and the corresponding target transaction valency of target transaction bill Lattice；

Step 4, very first time axle is generated according to the first default flow of completing a business transaction, shown by different colours on the very first time axle The first default each step of completing a business transaction for completing a business transaction flow completes front and rear state of completing a business transaction, and the described first default flow of completing a business transaction is used for mesh Mark bill of exchange, which is transferred to the existing of target transaction bank, holds position；

Step 5, start timing after target transaction bill, which is transferred to the target transaction bank existing, holds position and generate transfer Duration, reaches that request is redeemed in generation, and the redemption request is pushed into the target transaction after buying back the time limit when transferring the possession of duration The corresponding first default examination ＆ approval client of bank, the redemption request at least includes repurchase price and repurchase Bank Account Number；

Step 6, after the first default examination ＆ approval time terminated, judge whether to receive that the described first default examination ＆ approval client sends the One examination ＆ approval are by instruction, if so, step 7 is then performed, if it is not, then sending query statement to target transaction bank and receiving the mesh The instruction of submission again that transaction bank is sent is marked, submits instruction to be redeemed to described after request modification again according to described, will change Redemption request afterwards pushes to the described first default examination ＆ approval client, is sent until receiving the described first default examination ＆ approval client First examination ＆ approval by instruction；

Step 7, the second time shaft is generated according to the second default flow of completing a business transaction, shown by different colours on second time shaft The second default each step of completing a business transaction for completing a business transaction flow completes front and rear state of completing a business transaction, and the described second default flow of completing a business transaction is used for mesh Mark bill of exchange is transferred to transaction initiation the existing of bank and held position.

2. it is according to claim 1 based on the bill reverse back purchaser's method completed a business transaction on line, it is characterised in that the step 2 has Body is：

Step 202, default access list list is obtained；

Step 203, judge that the transaction bank in the transaction bank list or the transaction bank information being manually entered are corresponding Whether transaction bank is in the access list list, if so, then using the transaction bank as agreed-upon price bank, if it is not, then performing Step 204；

Step 204, obtain and inquire about default intermediary bank's list of matches, in judging whether the transaction bank has and match Between bank, if so, then regarding the transaction bank as agreed-upon price bank, otherwise, flow of closing the trade.

3. according to claim 1 just buy back method based on the bill completed a business transaction on line, it is characterised in that in step 4, described First default complete a business transaction flow and comprises the following steps：

S401, connects transaction platform, and sends the first query statement to transaction platform, and first query statement, which is used to drive, to be handed over In easy platform the direct-connected interface of bank of the first default bank inquired about within the default first inquiry time limit in the first trustship account whether Incorporate the positive repurchase fund consistent with the target transaction price；The first Query Result that transaction platform is returned is received, if institute The first Query Result is stated to incorporate the positive repurchase fund consistent with the target transaction price in the first trustship account, then is performed Step S402, if it is not, flow of then closing the trade；The first trustship account is opened up in advance in the described first default bank The account of fund is just being bought back for trustship；

S402, connects transaction platform, and sends the second query statement to transaction platform, and second query statement, which is used to drive, to be handed over In easy platform the direct-connected interface of bank of the second default bank inquired about within the default second inquiry time limit in the second trustship account whether Incorporate the bill consistent with the target transaction bill draft bank；The second Query Result that transaction platform is returned is received, if described Second Query Result then performs step to incorporate the bill consistent with the target transaction bill draft bank in the second trustship account S403, if it is not, flow of then closing the trade；The second trustship account is being used for for being opened up in advance in the described second default bank The account of trustship target transaction bill；

S403, receive that transaction platform sends signs for prompting message, it is described sign for prompting message be used for remind transaction initiation bank Sign in the first trustship account it is described it is positive repurchase fund and for remind the second trustship account in target transaction ticket Held position according to the existing of target transaction bank is had turned to.

4. according to claim 1 just buy back method based on the bill completed a business transaction on line, it is characterised in that in step 4, described First default complete a business transaction flow and comprises the following steps：

S411, sends first to e-business draft system by transaction platform and freezes instruction, described first, which freezes instruction, is used for Driving e-business draft system freezes the target transaction bill；

S412, connects transaction platform, and sends the 3rd query statement to transaction platform, and the 3rd query statement, which is used to drive, to be handed over In easy platform the direct-connected interface of bank of the 3rd default bank within the default 3rd inquiry time limit in the 3rd trustship account of inquiry whether Incorporate the positive repurchase fund consistent with the target transaction price；The 3rd Query Result that transaction platform is returned is received, if institute The 3rd Query Result is stated to incorporate the positive repurchase fund consistent with the target transaction price in the 3rd trustship account, then is passed through The transaction platform sends second to the 3rd default bank and freezes instruction, to freeze the positive repurchase fund, if it is not, then terminating to hand over Easy flow；The 3rd trustship account is to be opened up in advance in the described 3rd default bank for positive repurchase fund described in trustship Account；

S413, bill ownership transfer instruction, the bill institute are sent by the transaction platform to e-business draft system Category power transfer instruction is used to drive e-business draft system that the ownership of the target transaction bill is revised as into the target Transaction bank；

S414, receive that transaction platform sends signs for prompting message, it is described sign for prompting message be used for remind transaction initiation bank Sign for the positive repurchase fund in the 3rd trustship account.

5. described method is just bought back based on the bill completed a business transaction on line according to Claims 1 to 4 is any, it is characterised in that also wrap Step 8 is included, the step 8 is specially：Receive the transaction and initiate first scoring of the bank to the target transaction bank, and root Current scoring according to the described first scoring to the target transaction bank is updated；And receive the target transaction bank pair The second scoring of bank is initiated in the transaction, and the current scoring for initiating bank to the transaction according to the described second scoring is carried out Update.

6. according to claim 5 just buy back method based on the bill completed a business transaction on line, it is characterised in that is obtained in step 1 Billing information to be transacted is concretely comprised the following steps:Obtain the billing information to be transacted being manually entered；Or obtain the transaction initiation The first filter information of bank's input is initiated in the existing whole billing informations held position of bank and transaction, according to the described first screening Information carries out screening generation billing information to be transacted to whole billing informations.

7. according to claim 6 just buy back method based on the bill completed a business transaction on line, it is characterised in that the step 3 and Also include note validating step between step 4, the note validating step is specially：Obtain the ticket of the target transaction bill Number, and according to the first billing information of the draft bank acquisition target transaction bill, then first billing information is entered Row checking, performs step 4 after being verified.

8. it is a kind of based on the positive buyback system of bill completed a business transaction on line, including transaction platform client corresponding with transaction initiation bank End, it is characterised in that the client includes：

Agreed-upon price module, for generating transaction event according to the positive buyback request of the bill, agreed-upon price is distributed to by the transaction event At least one corresponding agreed-upon price bank of bank information, is negotiated a price in default exchange hour using default agreed-upon price flow with least one Bank negotiates a price to the corresponding bill to be transacted of the billing information to be transacted, until generating at least one from agreed-upon price bank Target transaction bank, at least one corresponding target transaction bill of target transaction bank and the corresponding target of target transaction bill Transaction value；

First completes a business transaction module, for generating very first time axle according to the first default flow of completing a business transaction, shows described by different colours On very first time axle first it is default complete a business transaction flow it is each complete a business transaction before and after step is completed complete a business transaction state, described first default completes a business transaction Flow is used to target transaction bill being transferred to the existing of target transaction bank to hold position；

First judge module, for when target transaction bill be transferred to the target transaction bank it is existing hold position after start timing And transfer duration is generated, reach that request is redeemed in generation, and the redemption request is pushed into institute after buying back the time limit when transferring the possession of duration The corresponding first default examination ＆ approval client of target transaction bank is stated, the redemption request at least includes repurchase price and repurchase bank Account；

Second judge module, after for the first default examination ＆ approval time terminating, judges whether to receive the described first default examination ＆ approval visitor The first examination ＆ approval that family end is sent are by instruction, if so, step 7 is then performed, if it is not, then sending query statement to target transaction bank And the instruction of submission again that the target transaction bank sends is received, submit instruction to repair the redemption request again according to described After changing, amended redemption request is pushed into the described first default examination ＆ approval client, examined until receiving described first and presetting The first examination ＆ approval for criticizing client transmission pass through instruction；

Second-day delivery module, for generating the second time shaft according to the second default flow of completing a business transaction, shows described by different colours On second time shaft second it is default complete a business transaction flow it is each complete a business transaction before and after step is completed complete a business transaction state, described second default completes a business transaction Flow, which is used to target transaction bill being transferred to transaction initiation the existing of bank, holds position.

9. it is according to claim 8 based on the positive buyback system of bill completed a business transaction on line, it is characterised in that the acquisition module Including：

First acquisition unit, for obtaining default transaction bank list or obtaining the transaction bank information being manually entered；

Second acquisition unit, for obtaining default access list list；

First judging unit, for judging the transaction bank in the transaction bank list or the transaction bank being manually entered letter Whether corresponding transaction bank is ceased in the access list list, if so, then using the transaction bank as agreed-upon price bank, and drive Motion valency module, if it is not, then driving the second judging unit；

Second judging unit, for obtaining and inquiring about default intermediary bank's list of matches, judges whether the transaction bank has The intermediary bank matched, if so, then using the transaction bank as agreed-upon price bank, and agreed-upon price module is driven, otherwise, terminate to hand over Easy flow.

10. according to claim 8 or claim 9 based on the positive buyback system of bill completed a business transaction on line, it is characterised in that also including ticket According to authentication module, the note validating module is specifically for obtaining the draft bank of the target transaction bill, and according to the draft bank The first billing information of the target transaction bill is obtained, then first billing information is verified, after being verified Module is completed a business transaction in driving.