CN107977893A - Method of commerce, transaction system and storage medium - Google Patents
Method of commerce, transaction system and storage medium Download PDFInfo
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- CN107977893A CN107977893A CN201711453491.5A CN201711453491A CN107977893A CN 107977893 A CN107977893 A CN 107977893A CN 201711453491 A CN201711453491 A CN 201711453491A CN 107977893 A CN107977893 A CN 107977893A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0645—Rental transactions; Leasing transactions
Abstract
The invention discloses a kind of method of commerce, including：Receive the purchase request of the first user transmission；The first information to be paid is sent to first user；First information to be paid includes the amount of money to be paid and credit line to be paid；Wherein, credit line workable for the first user is previously assigned to first user according to predetermined policy；The first payment instruction is received, first payment instruction is used to pay the amount of money to be paid and credit line to be paid；And the credit line being paid for is returned into the first user according to predetermined strategy.The embodiment of the present invention additionally provides system and storage medium based on this method.
Description
Technical field
The present invention relates to Internet technical field, particularly a kind of method of commerce, transaction system and storage medium.
Background technology
At present, people get used to shopping online.In existing net purchase platform, user passes through when buying commodity
Online trading system completes the purchase of commodity.
Existing online trading system generally includes the account of a registered user, this account is usually and user is in finance
Account binding in mechanism.Such as Alipay account, wechat wallet electronic fare payment system, usually and user is in business bank
Account is bound.For user when the network platform is done shopping, electronic trading system receives the sequence information that user submits, then by payment
System deducts the cash in user account, so as to complete transaction flow.In this transaction system, user can only be with the side of cash
The expense of formula one-time payment whole, commodity can not be bought when closing balance is insufficient.
The use of other online trading system standby credit cards, user can be signed on shopping platform using financial institution
As accounts of consumption, this first provides a loan to buy commodity, it is necessary to periodically use the credit card of hair equivalent to consumer from financial institution
Cash is refunded to financial institution, and cash of the user in cash in account is still needed when refunding and is refunded, this means that user
Also need to periodically go to perform extra operation after completing purchase in online trading system so that transaction flow becomes tediously long.
The content of the invention
It is an object of the present invention to provide a kind of method of commerce, transaction system and storage medium, makes under a kind of mechanism
User need not payment for merchandise full price, while reduce user as far as possible and the operating quantity of commodity bought in the network platform.
To achieve these goals, in a first aspect, method of commerce provided by the invention, including：
Receive the purchase request of the first user transmission；
The first information to be paid is sent to first user；First information to be paid include the amount of money to be paid and
Credit line to be paid；Wherein, credit line workable for the first user is previously assigned to described according to predetermined policy
One user；
The first payment instruction is received, first payment instruction is used to pay the amount of money to be paid and letter to be paid
Use amount；And
The credit line being paid for is returned into the first user according to predetermined strategy.
Alternatively and preferably, the information to be paid further includes what is produced for paying the credit line to be paid
First service charge, first payment instruction are additionally operable to pay first service charge.
Alternatively and preferably, it is described that the credit line being paid for is returned into the first user according to predetermined strategy
Including：The credit line being paid for is returned into first user according to predetermined time limit.
Alternatively and preferably, the method further includes：
Receive the request that the first user leases the available credit line of second user to second user；Described second uses
The available credit line in family is previously assigned to the second user according to predetermined strategy；
Receive agreement first user that second user is sent and lease the instruction of credit line to it, so that described the
One user can use the credit line from second user lease to pay at least partly described credit line to be paid；And
The credit line that the second user is leased is returned into the second user according to predetermined strategy.
Alternatively and preferably, the method further includes：
The second service charge information that the credit line for being used for leasing the second user produces is sent to the first user；
The second payment instruction is received, second payment instruction is used to pay second service charge.
Alternatively and preferably, it is described that the credit line that the second user is lent is returned into institute according to predetermined strategy
Stating second user includes：The credit line being leased for is returned into the second user according to predetermined time limit.
Alternatively and preferably, in the first user of the reception the available credit of second user is leased to second user
Before amount request, the method further includes：
The authority for initiating lease credit line request is opened for first user, and/or
The authority for hiring out its available credit line is opened for the second user.
Alternatively and preferably, the method further includes：
Receive the request that the first user buys credit line；
The second information to be paid for being used for buying the credit line is sent to the first user；Second information to be paid
Include the amount of money of bought credit line；
The 3rd payment instruction is received, the 3rd payment instruction is used for the amount of money for paying the bought credit line；With
And
Increase into the account of the first user and match somebody with somebody available credit line.
Second aspect, the present invention provide a kind of transaction system, including：
First receiving module, the purchase request sent for receiving the first user；
First sending module, for sending the first information to be paid to first user；First information to be paid
Including the amount of money to be paid and credit line to be paid；Wherein, credit line workable for the first user is according to predetermined policy
It is previously assigned to first user；
Second receiving module, for receiving the first payment instruction, first payment instruction is used to pay described to be paid
The amount of money and credit line to be paid；And
First returns module, for the credit line being paid for be returned to the first user according to predetermined strategy.
The third aspect, the present invention provide a kind of storage medium, are stored with computer program, the computer program is processed
Device is performed to realize following steps：
Receive the purchase request of the first user transmission；
The first information to be paid is sent to first user；First information to be paid include the amount of money to be paid and
Credit line to be paid；Wherein, credit line workable for the first user is previously assigned to described according to predetermined policy
One user；
The first payment instruction is received, first payment instruction is used to pay the amount of money to be paid and letter to be paid
Use amount；And
The credit line being paid for is returned into the first user according to predetermined strategy.
Method of commerce, transaction system and storage medium provided by the invention, there is provided it is a kind of according to user credit set
Transaction technology so that user is in purchase commodity or service, it is not necessary to pays whole costs, it is only necessary to certain amount of money is paid,
Then can be deducted remaining cost with credit line, also, credit line can return to user automatically under certain rule
Account, it is not necessary to user carry out cash refund operation, so not only increase trading efficiency, also fully excavated the letter of user
With the value of information.
Brief description of the drawings
Fig. 1 can make method of commerce be implemented in system structure diagram therein for one kind provided in an embodiment of the present invention；
Fig. 2 is the flow chart for the method for commerce that the embodiment of the present invention one provides；
Fig. 3 is the flow chart of method of commerce provided by Embodiment 2 of the present invention；
Fig. 4 is the flow chart for the method for commerce that the embodiment of the present invention three provides；
Fig. 5 is the structure diagram of transaction system provided in an embodiment of the present invention.
Embodiment
Some illustrative embodiments for being shown in below with reference to the accompanying drawings describe the principle of the present invention and spirit.Should
Understand, describe these embodiments just for the sake of better understood when those skilled in the art and then realize the present invention,
And not limit the scope of the invention in any way.
An embodiment of the present invention provides a kind of method of commerce, passes through Online Shopping commodity or the scene of service applied to user
In.Fig. 1 shows that the method for commerce can be implemented in system therein.Within the system, including server 1 and and server
The user terminal of 1 communication.It will be appreciated by those skilled in the art that user terminal can include polytype, such as hand-held meter
Calculation machine, desktop computer, personal digital assistant (PDA), cell phone, network home appliance, smart phone, enhanced general packet nothing
Line service (EGPRS) mobile phone, media player, navigation equipment, wearable device or these data processing equipments or its
Any two or multiple combinations in his data processing equipment.It should also be appreciated by one skilled in the art that the system is only used
In illustration purpose, it is not intended that limit the scope of embodiment of the disclosure.User terminal is communicated by network 3 and server 1, net
The type of network 3 can include a variety of, such as LAN (LAN), wide area network (WAN), internet, cellular network.
It will be appreciated by those skilled in the art that the server 1 can both represent the individual server of such as computer server, can also
Representative works with multiple servers (such as Cloud Server hadoop) of perform function together.It is exemplary in system shown in Fig. 1
Ground shows some different types of user terminal 2A, 2B, 2C and 2D, and the hereafter description in relation to embodiment for convenience, claims user
Terminal 2A is the first user terminal, and 2B is second user terminal.
In existing online trading system, user is sold by the commodity or service of user terminal access server operation
Website, the login account in web station system.Before purchase commodity or service, user is needed first by the account of oneself and in financial machine
The account of structure is bound, or the payment system of financial institution can provide interface and be docked with web station system, so that user is propping up
Using financial institution's payment system to web station system payment for merchandise or the amount of money of service when paying.For example, user is in certain net purchase platform
During shopping, the bank card of oneself can be first bound, commodity is being bought into when paying link, is passing through Unionpay's payment system and buy business
Product.In addition user can also bind some third-party payment applications and be paid to complete the amount of money, but these application programs
In user account also be typically and financial institution account bind.Under such a transaction system, user must commodity
Actual full amount is completed to buy.When the financial institution of user's binding provides the credit card of credit service, such as binding bank
When, it is allowed to user buys commodity in a manner of by stages, pays whole costs without user at this time, but user needs on time also
Money cash also needs to periodically go to perform operation of refunding so that transaction overall flow equivalent to user to bank after completing to merchandise
Become tediously long.
In order to solve the problems, such as the above, inventor has found, in the transaction system that existing financial institution dominates, to user
The excavation and utilization of credit situation are abundant not enough, for example, for bank, although it can be according to the consumption and refund of user
The upper limit that user expands credit line is recorded as, but still needs the mechanism that user periodically refunds without change, from skill
For in art, user is not also because it reduces the operating quantity in whole transaction flow with good credit information.
For this reason, inventor has invented a kind of method of commerce, this method is aided in completing transaction flow, handed over based on the credit information of user
Whole costs of payment for merchandise or service are not required in user in easy flow, these mechanism based on user credit information are with showing in addition
The credit payment system that some is dominated by financial institution is different, it is not necessary to which user is periodically executed the operation of refund.
Embodiment one
An embodiment of the present invention provides a kind of method of commerce, is implemented in above-mentioned system, using the server in system as
Executive agent introduces each step in method, and in following steps, the first user uses the first user terminal and server
Communicate, second user uses second user terminal and server communication.The method 100 of the present embodiment includes following step
Suddenly：
S102：Receive the purchase request of the first user transmission.
First, the first user has shopping at network platform by the first user terminal login service device, server operation.Purchasing
In the thing network platform, commodity or service can be bought.Similar with existing shopping at network platform, the first user is needed in platform
Login account, to be bundled in the various operations in shopping and transaction flow.In step S101, as the first user, it is
The request of purchase commodity or service is initiated on one user terminal to server.For example, the commodity row that user can provide in website
Certain commodity is selected in table, the virtual push button for being used to initiate purchase commodity operation is clicked on and buys request to start.
After server receives the purchase request of the first user, method 100 proceeds to step S104：Used to described first
Family sends the first information to be paid；First information to be paid includes the amount of money to be paid and credit line to be paid；Its
In, credit line workable for the first user is previously assigned to first user according to predetermined policy.
Unlike the method for commerce of existing account in full cash payment, in step S104, the first packet to be paid
Two parts are included, a part can also be referred to as the down payment amount of money, pay this part to need the base amount that the first user pays
During the down payment amount of money, the first user needs to complete to pay the bill using the electronic money in financial institution or third-party payment system.
The information to be paid of another part is credit line to be paid,, can quilt after it is registered on the server for each user
Certain available credit line is distributed to, for deducting in commodity or a part of cost of service.For example, specifically should at one
With in scene, user selects certain commodity, and the full price of the commodity is 1500 yuan, and the first information to be paid includes 1000 yuan of base
The plinth amount of money and 500 yuan of credit line to be paid.2000 yuan of credit line has been previously assigned in the account of first user.
Next, method 100 proceeds to step S106：The first payment instruction is received, first payment instruction is used for branch
Pay the amount of money to be paid and credit line to be paid.
First payment instruction can be initiated by the first user terminal, which is actually used in payment two
Share degree, Part I are the amount of money to be paid described in step S104, and another part is to wait to prop up described in step S104
The credit line paid.Still by taking institute's illustrated example in step S104 as an example, after information to be paid is received, the first user terminal
Need by Unionpay's payment system or Alipay, wechat wallet and server set into third-party payment system initiate payment refer to
Order, the electronic money that the first user is prestored in such systems pay 1000 yuan of base amount, then using server
Credit line to be paid is paid for 500 yuan of credit lines in 2000 yuan of credit lines of its distribution.After completing to pay,
Base amount is from the first user in corresponding financial institution (such as bank) or Third-party payment platform (such as Alipay, wechat wallet)
In account in deduct, deducted in the account of the registration of the credit line of payment from the first user on the server.So far, handing over
, it is necessary to which the operation that user carries out has been completed in easy flow, user has been deducted the part costs of commodity with credit line.
In certain embodiments, server is divided in advance based on the social information of the first user to determine whether user meets
The specific amount of money of condition or definite credit line with credit line.It is basic that this kind of social information's information can include some users
Information, such as occupation, family status, age, gender.Some credit informations can also be included at the same time, such as in other transaction systems
Or credit information in financial system, consumption information etc..According to an embodiment of the invention, one can also be provided in systems to connect
Mouthful, existing credit platform is docked to complete the certification of user, is so conducive to get through information island, is borrowed other platforms and is carried out core
Test user whether the system credit standing, also for user eliminate registration in part operation.
In the existing credit card-based payment system based on financial institution, user may produce service charge in consumption,
Formality charge information can be stored in server by the server as financial institution after the completion of the payment instruction of user, with
After user pays off the advance including service charge, then the behaviour that clearing are refunded is performed to user account in server
Make, for the server of financial institution, formality charge information is equivalent to a kind of multidate information, it is necessary to receive customer-side initiation
Modify after repaying instruction to the information, this process is not only without the operating quantity for reducing user, to financial institution services
Information processing capacity and process flow are also increased for device.For this reason, according to one embodiment of present invention, step S104's waits to prop up
Pay and the first user first service charge caused by during credit line is paid is further included in information.This part service charge can
Can flexibly it be set with the specific amount of money by the operators of shopping at network platform, service charge, such as can be according to credit
The percentage of amount is collected, and so the operator as Operation Network platform can also obtain the income that a part provides service,
On this basis, the first payment instruction in step S106 is additionally operable to pay the first service charge.The hand of existing credit card system
The information that continues to pay dues needs to be stored in the server of financial institution (such as bank), using service charge as needing the one of refund total amount
Part.In an embodiment of the present invention, when user pays the first service charge, the payment information of the first service charge has been sent to net
The server of network shopping platform, first service charge of part are that user is directly paid with the amount of money in electronic account, are sent to
Can statically it be preserved after the server of shopping at network platform in the server as a kind of record, there is no existing based on finance
To the process of service charge information state change in the credit payment system of mechanism, the operating quantity of user was both saved, had been also reduced
The information processing capacity and process flow of server.
As it was previously stated, after the operation that the first user completes payment, the credit line of payment is from the account of the first user
Deducted accordingly.Unlike the payment system of existing financial institution, in embodiments of the present invention, the line of credit paid
Spend and be not required the regular cash of user to refund to financial institution, thus, next, method 100 proceeds to step S108：According to pre-
The credit line being paid for is returned to the first user by fixed strategy.
For having been deducted credit line in payment, server makes this part credit line " freezing "
Obtaining the first user can not use at least within a period of time.But this part credit line is eventually returned according to predetermined strategy
Back to the first user, and refund operation is actively carried out using cash without user.In certain embodiments, predetermined strategy can be with
The credit line used according to the time limit next " defrosting ", such as can be by stages to carrying out " defrosting " using amount.For example, the first user
2000 yuan of credit line is preassigned, after 1000 yuan of credit line is it used, server can be with (a phase two phases
For one month), in each issue of 500 yuan of accounts for returning to the first user.Certainly, it will be apparent to a skilled person that in advance
Fixed defrosting strategy can be flexibly adjusted, and the amount of specific time limit and each issue of defrosting can also be different according to trading rules
It is adjusted.Mechanism of the credit line to user is returned using according to predetermined policy, user is using credit line deduction cost
While, full price purchase commodity are not only not required, it is not required that refund in cash, the user credit information thus made full use of
Value, on the other hand, credit line be not it is unlimited, random use, the consumer behavior to user has carried out suitably
Limitation.
Embodiment two
Method of commerce is provided in embodiment one, is a kind of technical solution compared with based on of the embodiment of the present invention.Inventor exists
Found during research and development, although user can use the part cost of credit line payment for merchandise or service, user exists
Credit line total amount in regular period is limited, when the credit line of user is finished, if rethinking the more business of purchase
Product or service, or purchase commodity or service exceeded credit line remaining sum when, user just can only be with the valency of account in full
Lattice are completed to pay, and are so unfavorable for stimulating the consumption of user and limit user to a certain extent and make full use of credit mechanism
Chance.To solve the problems, such as these, second embodiment according to the present invention, inventor provides a kind of method of commerce, the transaction
Method has many similarities with embodiment one, both main distinctions are, in the present embodiment, add a kind of line of credit
The lease mechanism of degree.The method of commerce still can be implemented in above-mentioned system, for convenience of explanation, in the method for commerce
In, two class user terminals are exemplarily provided, the first is the first user terminal, it is initiation lease other users credit line
Request a side, second is second user terminal, its for hire out its available credit amount a side.Further, the friendship
Easy method includes the following steps：
S202：Receive the request that the first user leases the available credit line of second user to second user；It is described
The available credit line of second user is previously assigned to the second user according to predetermined strategy；
Then, method 200 proceeds to step S204：Agreement first user that second user is sent is received to lease to it
The instruction of credit line, so that first user can use the credit line from second user lease to pay at least portion
Divide the credit line to be paid；
In the present embodiment, the first user is when buying commodity or service, it is possible that the situation of credit line deficiency.
In the case of other, the first user may be not intended to use the credit line of oneself at once.Under similar the above situation, first uses
Family can initiate lease request, the available credit amount of request lease other users by the first user terminal.
The mode of the initiation of request can have a variety of, and in certain embodiments, server can provide a credit line
Lease link to the first user terminal, the link mapping network address in comprising it is at least one for the first user lease line of credit
The user list of degree, forms a lease area.Further, can be shown in list can tenementary credit line.First
User can select to want the user of lease credit from user list, initiate after the corresponding interactive interface of the link is accessed
Lease request.This mode for initiating request enables to the first user to have certain choice, so as to choose oneself
Need the more matched rent side user (second user) of credit line.Second user after receiving the request, decides whether response, such as
It is decisive and resolute to determine response, the instruction of the lease of agreement can be sent by second user terminal to server.
In further embodiments, the first user also initiates that during request specific user can not be directed to, i.e., please in transmission
Only notification server needs to lease credit line in the instruction asked, and is pushed to second user according to certain rule by server
First user.In one embodiment, following rule can be used：The solicited message that first user terminal is sent includes needing
The request is broadcast to network by the credit line information to be leased, server after the request of the first user terminal transmission is received
The second user of interior qualified credit line to be hired out, these second users after broadcast message is received, second user with
The mode of competition initiates response, and the second user replied at first obtains the right for leasing its available credit amount to the first user.
This initiation request and response request method can save the operation that the first user selects specific second user, automatic by system
Suitable second user is matched for it, and the enthusiasm for improving second user lease credit line (correspondingly needs to give the
Two users necessarily reward).
Above-mentioned steps S202 initiate node can be the first user initiated purchase request carry out afterwards (that is,
After step S102 in embodiment one), such as the first user has found remaining in oneself account when receiving information to be paid
Credit line deficiency, then initiate the request of lease credit line to server.In addition, above-mentioned steps S202 can also be in user
Purchase request initiate before carry out (that is, before a kind of step S102 of embodiment), as user first carries out line of credit
The lease of degree, then goes purchase commodity or service again.
In certain embodiments, the first user can lease available credit line at a second user, another
In a little embodiments, the first user can also lease available credit line at multiple second users.In certain embodiments,
One user buy commodity or service when credit line to be paid can all using lease come credit line, at other
In embodiment, can also partly using lease come credit line.
Next, method 200 proceeds to step S206：The line of credit for leasing the second user according to predetermined strategy
Degree returns to the second user.
Similar with a kind of step S108 of embodiment, the credit line that second user is leased can also be returned according to certain rule
Return second user.Such as can be that concrete implementation mode can be with back in the account of second user according to time limit
A kind of specific descriptions of step S108 of reference implementation example.Although understanding from letter, the first user is at second user
Credit line is leased, but the first user need not go to repay the credit line leased again after a certain time.Leasing
Process after the completion of, server can return credit line to second user, either the first user according to predetermined rule automatically
Or second user need not all perform extra operation again.
Except it is mentioned above the advantages of, after the method 200, realize credit line of leaving unused in transaction system and share,
So that idle credit line is fully utilized.In order to encourage second user to hire out its available credit line, so that
Idle credit line is more fully utilized, method 200 further includes following steps：
S208：The second service charge that the credit line for being used for leasing the second user produces is sent to the first user to believe
Breath；
Then, method proceeds to S210：The second payment instruction is received, second payment instruction is used to pay described second
Service charge.The initiation mode of second payment instruction may be referred to the related description in a kind of first payment instruction of embodiment, be based on
Similar principle, details are not described herein.
Above-mentioned steps S208 can be completed while step S202 is performed or afterwards.I.e. no matter in which timing node,
First user is required for paying certain service charge to lease the credit line of other users, this part service charge can be complete
Portion belongs to second user, can also a part belong to second user, another part belongs to the operator of shopping platform,
Two users are rewarded by hiring out available credit line, can more energetically share idle credit line, so as to promote
Credit line of leaving unused in into system makes full use of.
Credit line provided in an embodiment of the present invention, the credit standing for being normally based on user are its distribution.If with
Register multiple accounts and carry out unconfined lease or taxi credit line in family, it is likely that cause the abuse of credit line, for this reason,
In some embodiments, before receiving the first user and being asked to the available credit line of the second user lease second user
(before step S202), method 200 further includes：
The authority for initiating lease credit line request is opened for first user, and/or
The authority for hiring out its available credit line is opened for the second user.
After employing above-mentioned step, user hires out and/or lease credit line is all needed with server mandate
Authority, certain expense can be collected to user by opening this authority, such as in the form of annual fee or membership dues, pass through payment system
Paid to server, then server opens the authority of respective type for user again.After user is limited be subject to authority, it is possible to
More effectively avoid the problem that producing credit line abuse.
It should be appreciated that in the above method 200, omit and describe step common in some and embodiment one, such as
The purchase request of the first user transmission is received, information to be paid is sent to the first user and receives the first payment of the first user
Instruction and return the first user its credit line used.The embodiment of these steps may be referred to embodiment
Related description in one, details are not described herein.
Embodiment three
When credit line workable for the first user is insufficient, except such as the lease credit line provided in embodiment two
Technical solution, the embodiment of the present invention three additionally provide a kind of method of commerce for buying credit line.In this method 300, including
Following steps：
S302：Receive the request that the first user buys credit line.
User can include the information for needing to buy amount, also may be used when initiating the request of purchase credit line in request
To be the interactive interface for providing a credit line purchase for the first user terminal after server receives request, for first
User selects or the specific purchase amount of input.
Next, method 300 proceeds to step S304：Sent to the first user and be used to buy the second of the credit line
Information to be paid；Second information to be paid includes buying the amount of money of credit line.
In step s 304, user can buy credit line by the cash in payment system electronic account.
Then, step proceeds to S306：The 3rd payment instruction is received, the 3rd payment instruction is used to pay described purchased
Buy the amount of money of credit line；The initiation mode of 3rd payment instruction may be referred to related in a kind of first payment instruction of embodiment
Description, based on similar principle, details are not described herein.
Finally, method 300 proceeds to step S308：Increase into the account of the first user and match somebody with somebody available credit line.
Credit line is increased dispensing the by server after the amount of money that the first user has paid out purchase credit line is confirmed
The account of one user.It should be understood that if the first user is the link of the amount of money in payment for merchandise or service and credit line
The operation of the outer credit line of purchase volume is initiated, then server can be while user completes credit line outside purchase volume from first
Bales catch removes corresponding credit line in user account.Compared with the method for commerce of embodiment two, directly from server operation
Credit line is bought in system can save the interaction of the first user and second user, but embodiment two is compared with implementing three
With the effect for promoting credit line to share circulation.
However, it should be understood that it is similar with embodiment two, it also omit some and embodiment one in the present embodiment
Common step, the purchase request sent as received the first user, information to be paid and reception first are sent to the first user
The first payment instruction of user and return the first user its credit line used.The embodiment of these steps
The related description in embodiment one is may be referred to, details are not described herein.
Any method of commerce based on more than, the embodiment of the present invention additionally provide a kind of transaction system 400, including：
First receiving module 401, the purchase request sent for receiving the first user；
First sending module 402, for sending the first information to be paid to first user；First letter to be paid
Breath includes the amount of money to be paid and credit line to be paid；Wherein, credit line workable for the first user is according to predetermined plan
Slightly it is previously assigned to first user；
Second receiving module 403, for receiving the first payment instruction, first payment instruction, which is used to paying, described to be waited to prop up
The amount of money paid and credit line to be paid；And
First returns module 404, for the credit line being paid for be returned to the first user according to predetermined strategy.
Further, the information to be paid is further included for paying the first-hand of the credit line generation to be paid
Continue to pay dues, first payment instruction is additionally operable to pay first service charge.
Further, it is described the credit line being paid for is returned into the first user according to predetermined strategy to include：
The credit line being paid for is returned into first user according to predetermined time limit.
Further, transaction system further includes：
3rd receiving module, the available credit line of second user is leased for receiving the first user to second user
Request；The available credit line of second user is previously assigned to the second user according to predetermined strategy；
4th receiving module, credit line is leased for receiving agreement first user that second user is sent to it
Instruction, so that first user can use the credit line from second user lease to wait to prop up described at least part to pay
The credit line paid；And
Second returns module, described for returning to the credit line that the second user is leased according to predetermined strategy
Second user.
Further, transaction system further includes：
Second sending module, the produced for sending the credit line for being used for leasing the second user to the first user
Two service charge information；
5th receiving module, for receiving the second payment instruction, second payment instruction is used to pay the second-hand
Continue to pay dues.
Further, it is described that the credit line that the second user is lent is returned to described second according to predetermined strategy
User includes：The credit line being leased for is returned into the second user according to predetermined time limit.
Further, transaction system further includes：
First authority module, the authority of lease credit line request is initiated for being opened for first user, and/or
Second authority module, the authority of its available credit line is hired out for being opened for the second user.
Further, transaction system further includes：
6th receiving module, the request of credit line is bought for receiving the first user；
3rd sending module, for sending the second information to be paid for being used for buying the credit line to the first user；
Second information to be paid includes buying the amount of money of credit line；
7th receiving module, for receiving the 3rd payment instruction, the 3rd payment instruction is used to pay described bought
The amount of money of credit line；And
Module is matched somebody with somebody in increasing, matches somebody with somebody available credit line for increasing into the account of the first user.
It should be understood that each module of the above corresponds respectively to the correlation step in method of commerce embodiment, therefore specifically
Implementation may be referred to the related description in embodiment of the method, and details are not described herein.
The embodiment of the present invention additionally provides a kind of storage medium, is stored with computer program, and the computer program is located
Reason device is performed to realize following steps：
Receive the purchase request of the first user transmission；
The first information to be paid is sent to first user；First information to be paid include the amount of money to be paid and
Credit line to be paid；Wherein, credit line workable for the first user is previously assigned to described according to predetermined policy
One user；
The first payment instruction is received, first payment instruction is used to pay the amount of money to be paid and letter to be paid
Use amount；And
The credit line being paid for is returned into the first user according to predetermined strategy.
Further, computer program is in each step being executed by processor in can also realizing above method embodiment
Suddenly, the specific implementation of step refers to the associated description in embodiment of the method, and details are not described herein.
The realization of the present invention and all functions provided herein operation with Fundamental Digital Circuit or can use computer
Software, firmware or hardware, including this specification and its structure disclosed in structural equivalents or one of those or it is more
A combination is realized.The realization of the disclosure can be implemented as one or more computer program products, i.e., computer-readable
One or more modules of the computer program instructions encoded on medium, these instructions are performed or used by data processing equipment
To control the operation of data processing equipment.The computer-readable medium can be machine readable storage device, machine readable storage
Substrate, memory devices, the composition for influencing machine readable transmitting signal or one or more combination.Term
" data processing equipment " covers all devices, equipment and the machine for handling data, including such as programmable processor, calculating
Machine or multiple processors or computer.In addition to hardware, which can include creating for described computer program
The code of performing environment, such as form processor firmware, protocol stack, data base management system, operating system or therein one
The code of a or multiple combination.
Computer program (also referred to as program, software, software application, script or code) can use any type of programming language
(including compiler language or interpretative code) is sayed to write, and computer program can be disposed with any form, including conduct
Stand-alone program either as module, component, subroutine or is adapted to other units used in a computing environment.Computer program
Not necessarily correspond to the file in file system.Program, which can be stored in, keeps other programs or data (such as markup language
The one or more scripts stored in document) file part in, be stored in the single text for being exclusively used in described program
In part, multiple coordinated files (such as text of the part of the one or more modules of storage, subprogram or code is either stored in
Part) in.Computer program can be deployed on a computer to perform, or at a website or is being distributed in
At multiple websites and pass through interconnection of telecommunication network multiple computers on perform.
Process described in the present invention and logic flow can be by one or more of the one or more computer programs of execution
A programmable processor is performed by operation input data and to generate output come perform function.The process and logic flow
It can be performed by dedicated logic circuit, and device can also be embodied as the dedicated logic circuit, the dedicated logic circuit example
Such as it is FPGA (field programmable gate array) or ASIC (application-specific integrated circuit).
Being suitably executed the processor of computer program includes for example general and both special microprocessors and any species
Digital computer any one or more processors.In general, processor is from read-only storage or random access memory
Or the two receives instruction and data.The element of computer can include for the processor of execute instruction and refer to for storing
Order and one or more memory devices of data.In general, computer will also include one or more mass memory units so as to
Data are stored, or the computer is operationally coupled to be received from mass memory unit or transmit data to mass memory unit
Either the two mass memory unit is, for example, disk, magneto-optic disk or CD.However, computer need not be with such
Equipment.In addition, computer can be embedded in another equipment, which is, for example, mobile phone, personal digital assistant
(PDA), Mobile audio player, global positioning system (GPS) receiver etc..It is adapted to storage computer program instructions and data
Computer-readable medium includes nonvolatile memory, medium and the memory devices of form of ownership, including for example：Semiconductor is deposited
Storage device, such as EPROM, EEPROM and flash memory device；Disk, such as built-in hard disk or removable disk；Magneto-optic disk；And CD ROM
With DVD-ROM disks.The processor and memory can be supplemented or are incorporated in the dedicated logic circuit with dedicated logic circuit.
Interacted to provide with user, realizing for the embodiment of the present invention can be with for showing information to user
Display device (such as CRT (cathode-ray tube) or LCD (liquid crystal display) monitor) and keyboard and pointing device (such as mouse
Mark or tracking ball, input can be provided by its user to computer) computer on realize.Other species can also be used
Equipment interacted to provide with user；For example, the feedback provided a user can be any type of sense feedback, such as regarding
Feel feedback, audio feedback or touch feedback；And input from the user can receive in any form, including the sense of hearing,
Voice or sense of touch.
Although the embodiment of the present invention includes some details, but these details should not be interpreted as to the present invention or wanted
The limitation of the scope of the content of protection is asked, but is appreciated that the description of the feature of the example implementation to the present invention.This hair
Some features in bright described in the situation being implemented separately can also be provided with single realize combination.On the contrary, single
Each feature described in the situation of realization can also provide or in any suitable sub-portfolio in multiple realizations respectively
In provide.Although in addition, it can describe feature as in some combination to perform and even initially require so above
Protection, but the one or more features from claimed combination can be removed from combination in some cases, and
Claimed combination can be related to the change of sub-portfolio or sub-portfolio.
Similarly, although describing operation according to particular order in the accompanying drawings, but this is understood not to require this
The operation of sample either performs or requires all illustrated operations all to be held according to shown particular order according to sequential order
OK, to realize desired result.In some circumstances, it may be advantageous for multitask and parallel processing.It is in addition, described above
The separation of various system units in realization is understood not to require such separation in all realizations, and should
Understanding, described program element and system usually can integrate or be packaged into single software product multiple
Software product.
Therefore, specific implementation of the invention has been described, and other are realized in the scope of the following claims.Example
Such as, the action described in claim can perform in a different order, and these actions still can realize expectation
Result.A large amount of realize has been described.It will be appreciated, however, that can be in situation without departing from the spirit and scope of the present invention
Under make various modifications.It is, for example, possible to use each form of flow illustrated above, wherein step can be reordered,
Addition removes.Therefore, other are realized in scope of the claims.
Claims (10)
1. method of commerce, it is characterised in that including：
Receive the purchase request of the first user transmission；
The first information to be paid is sent to first user；First information to be paid includes the amount of money to be paid and waits to prop up
The credit line paid；Wherein, credit line workable for the first user is previously assigned to first use according to predetermined policy
Family；
The first payment instruction is received, first payment instruction is used to pay the amount of money to be paid and line of credit to be paid
Degree；And
The credit line being paid for is returned into the first user according to predetermined strategy.
2. method of commerce according to claim 1, it is characterised in that the information to be paid further includes described for paying
The first service charge that credit line to be paid produces, first payment instruction are additionally operable to pay first service charge.
3. method of commerce according to claim 1, it is characterised in that it is described will be paid for according to predetermined strategy described in
Credit line, which returns to the first user, to be included：The credit line being paid for returned to according to predetermined time limit described
First user.
4. method of commerce according to claim 1, it is characterised in that the method further includes：
Receive the request that the first user leases the available credit line of second user to second user；The second user can
Credit line is previously assigned to the second user according to predetermined strategy；
Receive agreement first user that second user is sent and lease the instruction of credit line to it, so that described first uses
Family can use the credit line from second user lease to pay at least partly described credit line to be paid；And
The credit line that the second user is leased is returned into the second user according to predetermined strategy.
5. method of commerce according to claim 4, it is characterised in that the method further includes：
The second service charge information that the credit line for being used for leasing the second user produces is sent to the first user；
The second payment instruction is received, second payment instruction is used to pay second service charge.
6. method of commerce according to claim 4, it is characterised in that it is described according to predetermined strategy by the second user
The credit line of lending, which returns to the second user, to be included：The credit line that will be leased for according to predetermined time limit
Return to the second user.
7. according to any method of commerce of claim 4-6, it is characterised in that used in the first user of the reception to second
Family is leased before the available credit line request of the second user, and the method further includes：
The authority for initiating lease credit line request is opened for first user, and/or
The authority for hiring out its available credit line is opened for the second user.
8. method of commerce according to claim 1, it is characterised in that the method further includes：
Receive the request that the first user buys credit line；
The second information to be paid for being used for buying the credit line is sent to the first user；Second information to be paid includes
The amount of money of bought credit line；
The 3rd payment instruction is received, the 3rd payment instruction is used for the amount of money for paying the bought credit line；And
Increase into the account of the first user and match somebody with somebody available credit line.
9. transaction system, including：
First receiving module, the purchase request sent for receiving the first user；
First sending module, for sending the first information to be paid to first user；First information to be paid includes
The amount of money to be paid and credit line to be paid；Wherein, credit line workable for the first user is advance according to predetermined policy
It is assigned to first user；
Second receiving module, for receiving the first payment instruction, first payment instruction is used to pay the gold to be paid
Volume and credit line to be paid；And
First returns module, for the credit line being paid for be returned to the first user according to predetermined strategy.
10. a kind of storage medium, is stored with computer program, it is characterised in that the computer program be executed by processor with
Realize following steps：
Receive the purchase request of the first user transmission；
The first information to be paid is sent to first user；First information to be paid includes the amount of money to be paid and waits to prop up
The credit line paid；Wherein, credit line workable for the first user is previously assigned to first use according to predetermined policy
Family；
The first payment instruction is received, first payment instruction is used to pay the amount of money to be paid and line of credit to be paid
Degree；And
The credit line being paid for is returned into the first user according to predetermined strategy.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711453491.5A CN107977893A (en) | 2017-12-28 | 2017-12-28 | Method of commerce, transaction system and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711453491.5A CN107977893A (en) | 2017-12-28 | 2017-12-28 | Method of commerce, transaction system and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107977893A true CN107977893A (en) | 2018-05-01 |
Family
ID=62007928
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| Application Number | Title | Priority Date | Filing Date |
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| CN201711453491.5A Pending CN107977893A (en) | 2017-12-28 | 2017-12-28 | Method of commerce, transaction system and storage medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2021098249A1 (en) * | 2019-11-22 | 2021-05-27 | 肖光昱 | Digital credit certificate circulating method, terminal, and readable storage medium |
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