CN109102344A - A kind of internet transaction method based on BB2C mode - Google Patents
A kind of internet transaction method based on BB2C mode Download PDFInfo
- Publication number
- CN109102344A CN109102344A CN201710466778.5A CN201710466778A CN109102344A CN 109102344 A CN109102344 A CN 109102344A CN 201710466778 A CN201710466778 A CN 201710466778A CN 109102344 A CN109102344 A CN 109102344A
- Authority
- CN
- China
- Prior art keywords
- party
- buyer
- business
- somebody
- seller
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
-
- 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
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
- G06Q30/0637—Approvals
Abstract
Entitled " a kind of internet transaction method based on BB2C mode " of the invention, it is related to a kind of mode of doing business of BB2C type internet platform, for solving largely to need the contradiction after first goods after the transaction of money and internet platform elder generation money between goods in real world, pass through the cooperation with business bank, Party A (buyer) is helped to realize the application paid on line, examination & approval, the a series of flow operations such as completion, the urgent need paid on line can not be completed in a short time to solve it, improve the completion efficiency of order, also it gives BB2C type internet business platform and business bank creates additional interest income channel, realize tripartite's win-win.
Description
Technical field
The present invention relates to technical field of electronic commerce, more specifically to a kind of transaction of BB2C type internet platform
Mode.
Background technique
With the development that internet makes rapid progress, also huge variation is occurring for people to the mode of internet business.
Downstream businessman or disappeared for the resource of existing BB2C(third party's enterprise integration upstream producer or service provider by website
The person of expense provides the platform of product information and online service, the i.e. combination of B2C+B2B) the internet business platform of mode, function
Can be only limitted to: Party A (buyer) by line/line under after means of payment payment, Party B (seller) just starts to access work
Make.If Party A (buyer) can largely effect on the working efficiency of both sides, in turn since financial process slowly causes payment to lag
Make work that can not continue to promote.
Summary of the invention
In view of above-mentioned disadvantage existing in the prior art, the present invention provides a kind of internet business side based on BB2C mode
Method solves the problems, such as that Party A (buyer) financial process slowly can not the first time pay invoice amount of money.Pass through BB2C type internet
The cooperation of transaction platform and business bank provides business money advanced for somebody to be paid back later service under the premise of guaranteeing legal effect for Party A (buyer).
The present invention is to realize by the following technical solutions:
Internet transaction method based on BB2C mode of the invention, including the following steps:
(1) Party A (buyer) and Party B (seller) register in internet business platform and pass through real-name authentication；
(2) Party A (buyer) is by transaction platform bill, and bill while carries out money advanced for somebody to be paid back later application to which order can successfully be sent out
Out, money advanced for somebody to be paid back later application instruction is received by transaction platform；
(3) transaction platform sends the money advanced for somebody to be paid back later application instruction of Party A (buyer) to and pads with the business bank of transaction platform cooperation
Money aptitude checking；
(4) business bank provides Party A (buyer) money advanced for somebody to be paid back later after the approval and promises to undertake, order successful payment is simultaneously in transaction platform success
Publication；
(5) Party B (seller) accepts order in transaction platform；
(6) Party A (buyer) chooses the Party B (seller) admired as service provider to complete the work of its order；
(7) Party B (seller) submits achievement after completing work, and Party A (buyer) checks and accepts to be terminated by rear order；
(8) Party B (seller) can receive order commission after order, and the application that can withdraw deposit to transaction platform；
(9) transaction platform receives the application of withdrawing deposit of Party B (seller), and the instruction that will withdraw deposit is sent to business bank and carries out audit processing；
(10) business bank audits and has passed through application of withdrawing deposit, and make loans makes it obtain cash income to Party B (seller)；
(11) Party A (buyer) repays its order advance, and business bank receives money advanced for somebody to be paid back later and repays gold.
Further, business bank's money advanced for somebody to be paid back later business is runed jointly by BB2C internet business platform and business bank.
Further, BB2C internet business platform is responsible for customer management, the responsible credit to client of business bank, pad
Money, gathering, interest income is divided into be shared by both party.
Further, Party A (buyer) is repaid within the interest-free phase in the interest-free phase for being possessed a specified time using money advanced for somebody to be paid back later business
Money advanced for somebody to be paid back later gold, can be with free of interest (FOI)；It then needs to pay interest of exceeding the time limit to business bank beyond the interest-free phase.
Further, Party B (seller) withdraws deposit in advance before the interest-free phase of Party A (buyer) does not expire, and needs to pay
It withdraws deposit in advance interest to business bank.
As described above, the beneficial effects of the present invention are: helping Party A (buyer) to realize by the cooperation with business bank
The a series of flow operations such as application, examination & approval, the completion paid on line are compeled with solve that it can not complete to pay on line in a short time
Be essential and ask, improve the completion efficiency of order, also give BB2C type internet business platform and business bank create it is additional
Interest income channel realizes tripartite's win-win.
Detailed description of the invention
Fig. 1 is method work flow diagram of the invention.
Specific embodiment
To make creation characteristic of the invention, reaching purpose and effect is easy to understand, match below with reference to example and attached drawing
Detailed description is closed, is described as follows:
As shown in Figure 1, a kind of internet transaction method based on BB2C mode, including the first and second sides (both parties), internet hand over
Easy platform, business bank tripartite role.
Party A (buyer) and Party B (seller) become symbol by registration and real-name authentication process in internet business platform
Close the primary body of this method of commerce requirement.
Party A (buyer) is while issuing order information on BB2C type transaction platform, to transaction platform application and the order
The matched money advanced for somebody to be paid back later application of the amount of money, transaction platform side refer to money advanced for somebody to be paid back later to after the verification of the relevant informations such as order progress information, the amount of money
Order is sent to business bank, and business bank is to the credit status of Party A (buyer), income situation, application purposes, loan repayment capacity etc.
Verified to decide whether to meet money advanced for somebody to be paid back later examination & approval condition, the money advanced for somebody to be paid back later process of then this order finishes after examination & approval pass through, order at
Function issues, and the regular interest-free phase is gathered around in the money advanced for somebody to be paid back later of the project at this time.
The Party B (seller) that order has intention after sending will contact in Party A (buyer), first after both sides reach an agreement
Side (buyer) selects Party B (seller) to accept order and starts to work.Party B (seller) submits achievement, first after completing work
Side (buyer), which then checks and accepts the job satisfaction of Party B (seller), to be passed through.Order commission is then transferred to Party B (seller) by plateform system and exists
In account on transaction platform.
Party B (seller) selection at this time withdraws deposit the order commission in platform account into the bank card of oneself, below will
There are two kinds of situations:
(1) Party B (seller) withdraws deposit within the money advanced for somebody to be paid back later interest-free phase of Party A (buyer), belongs to state of withdrawing deposit in advance, needs payment business
Bank withdraws deposit interest in advance；
(2) Party B (seller) withdraws deposit after the money advanced for somebody to be paid back later of Party A (buyer) the interest-free phase, belongs to state of normally withdrawing deposit, then without branch
Any interest is paid, order commission in full can be taken out.
Situation is put according to above (2), money advanced for somebody to be paid back later gold is not repaid also after beyond the interest-free phase of paying for and given by Party A (buyer)
Business bank then needs to pay interest of exceeding the time limit；Money advanced for somebody to be paid back later gold such as is repaid within the interest-free phase of paying for, then without any interest.
Party A (buyer) and Party B (seller) interest income to be paid after money advanced for somebody to be paid back later behavior generation, are traded by BB2C type
Platform and business bank are shared.
The above shows and describes the basic principles and main features of the present invention and the advantages of the present invention.The technology of the industry
Personnel are it should be appreciated that the present invention is not limited to the above embodiments, and the above embodiments and description only describe this
The principle of invention, without departing from the spirit and scope of the present invention, various changes and improvements may be made to the invention, these changes
Change and improvement all fall within the protetion scope of the claimed invention.The claimed scope of the invention by appended claims and its
Equivalent thereof.
Method prospect
The present invention provides a kind of completely new trade mode for BB2C type internet business platform, improves the first and second (dealing) both sides
Enthusiasm, Party A (buyer) can pay for the Party B for issuing order and selecting to admire within the interest-free phase by business bank
(seller) carries out the work, and just needs to repay money advanced for somebody to be paid back later gold after the completion of work；Party B (seller) then can be after completing order work
It withdraws deposit or is fully withdrawn deposit after Party A (buyer) expires the interest-free phase in advance at the first time.This mode to user, transaction platform,
Business bank all brings corresponding interests, realizes tripartite's win-win.
Claims (5)
1. a kind of internet transaction method based on BB2C mode, which is characterized in that including the following steps:
(1) Party A (buyer) and Party B (seller) register in internet business platform and pass through real-name authentication；
(2) Party A (buyer) is by transaction platform bill, and bill while carries out money advanced for somebody to be paid back later application to which order can successfully be sent out
Out, money advanced for somebody to be paid back later application instruction is received by transaction platform；
(3) transaction platform sends the money advanced for somebody to be paid back later application instruction of buyer (Party A) to and pads with the business bank of transaction platform cooperation
Money aptitude checking；
(4) business bank provides buyer (Party A) money advanced for somebody to be paid back later after the approval and promises to undertake, order successful payment is simultaneously in transaction platform success
Publication；
(5) Party B (seller) accepts order in transaction platform；
(6) Party A (buyer) chooses the Party B (seller) admired as service provider to complete the work of its order；
(7) Party B (seller) submits achievement after completing work, and Party A (buyer) checks and accepts to be terminated by rear order；
(8) Party B (seller) can receive order commission after order, and the application that can withdraw deposit to transaction platform；
(9) transaction platform receives the application of withdrawing deposit of Party B (seller), and the instruction that will withdraw deposit is sent to business bank and carries out audit processing；
(10) business bank audits and has passed through application of withdrawing deposit, and make loans makes it obtain cash income to Party B (seller)；
(11) Party A (buyer) repays its order advance, and business bank receives money advanced for somebody to be paid back later and repays gold.
2. internet transaction method according to claim 1, which is characterized in that business bank's money advanced for somebody to be paid back later business is interconnected by BB2C
Net transaction platform and business bank run jointly.
3. internet transaction method according to claim 2, which is characterized in that BB2C internet business platform is responsible for client
It manages, business bank is responsible for credit, money advanced for somebody to be paid back later, gathering to client, and interest income is divided into be shared by both party.
4. internet transaction method according to claim 1, which is characterized in that Party A (buyer) is gathered around using money advanced for somebody to be paid back later business
There is the interest-free phase of a specified time, money advanced for somebody to be paid back later gold is repaid within the interest-free phase, it can be with free of interest (FOI)；It then needs beyond the interest-free phase to commercial silver
Row pays interest of exceeding the time limit.
5. internet transaction method according to claim 4, which is characterized in that Party B (seller) exempts from Party A (buyer)
The breath phase withdraws deposit in advance before not expiring, and needs to pay business bank and withdraws deposit in advance interest.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710466778.5A CN109102344A (en) | 2017-06-20 | 2017-06-20 | A kind of internet transaction method based on BB2C mode |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710466778.5A CN109102344A (en) | 2017-06-20 | 2017-06-20 | A kind of internet transaction method based on BB2C mode |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109102344A true CN109102344A (en) | 2018-12-28 |
Family
ID=64795417
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710466778.5A Pending CN109102344A (en) | 2017-06-20 | 2017-06-20 | A kind of internet transaction method based on BB2C mode |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109102344A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109919344A (en) * | 2019-02-21 | 2019-06-21 | 张秦睿 | A kind of oral cavity interaction trading platform system |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102214337A (en) * | 2010-04-07 | 2011-10-12 | 上海钧宸投资有限公司 | Commodity transaction settlement method and system |
| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
| CN104346729A (en) * | 2013-08-01 | 2015-02-11 | 世纪禾光科技发展（北京）有限公司 | Loaning method and system based on electronic order |
| CN105205709A (en) * | 2015-08-20 | 2015-12-30 | 上海鸿安能源科技有限公司 | Application method of network transaction platform |
-
2017
- 2017-06-20 CN CN201710466778.5A patent/CN109102344A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102214337A (en) * | 2010-04-07 | 2011-10-12 | 上海钧宸投资有限公司 | Commodity transaction settlement method and system |
| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
| CN104346729A (en) * | 2013-08-01 | 2015-02-11 | 世纪禾光科技发展（北京）有限公司 | Loaning method and system based on electronic order |
| CN105205709A (en) * | 2015-08-20 | 2015-12-30 | 上海鸿安能源科技有限公司 | Application method of network transaction platform |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109919344A (en) * | 2019-02-21 | 2019-06-21 | 张秦睿 | A kind of oral cavity interaction trading platform system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20200051050A1 (en) | Methods and systems for enabling data exchange between computing devices lacking a shared data exchange protocol | |
| US7933833B2 (en) | Method and system for rapid loan approval | |
| US9129268B2 (en) | Directing payments to satisfy periodic financial obligations | |
| CN102968715B (en) | A kind of payment control method and system based on credit data | |
| US7720764B2 (en) | Method, device, and system for completing on-line financial transaction | |
| US7395241B1 (en) | Consumer-directed financial transfers using automated clearinghouse networks | |
| US20090319427A1 (en) | Methods for electronic payments using a third party facilitator | |
| CN107481137A (en) | A kind of network loan system | |
| US20090192934A1 (en) | Consumer Lending Using A Money Transfer Network Systems And Methods | |
| US20080114679A1 (en) | System and method for providing advanced funding for proceeds from a resolved dispute | |
| US20090248555A1 (en) | System and Method for Third Party Payment Processing of Credit Cards | |
| CN106529923A (en) | Collection service method with access of all networks through one point | |
| KR102557152B1 (en) | Direct payment monitoring system and method without withdrawl limit account | |
| US20150012400A1 (en) | Systems and methods for switching credit card accounts | |
| CN111461861B (en) | Two-level legal fund business management system | |
| CN109102344A (en) | A kind of internet transaction method based on BB2C mode | |
| AGABONIFO et al. | An Assessment of the Role of ICT in the Readiness of Nigerian Bank Customers for the Introduction of Cashless Transactions. | |
| Afolayan | Legal analysis of electronic payment system and frauds associated with e-commerce transactions in Nigeria | |
| CN106845992A (en) | A kind of credit line management method suitable for internet business platform | |
| KR20020022146A (en) | A method and an apparatus for electronic payment systems on the basis of setoff using a computer | |
| US20160048814A1 (en) | Split-fee merchant payment platform system and method | |
| CN107016607A (en) | A kind of bill based on bidding mode directly pastes method and system | |
| Dorevitch | Applying GST to low value goods | |
| TWM595817U (en) | Virtual account inquiry system | |
| KR20150123680A (en) | Method for bill account |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20181228 |