CN110135828B - Online financing settlement method and platform - Google Patents
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- CN110135828B CN110135828B CN201910375111.3A CN201910375111A CN110135828B CN 110135828 B CN110135828 B CN 110135828B CN 201910375111 A CN201910375111 A CN 201910375111A CN 110135828 B CN110135828 B CN 110135828B
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- 238000012545 processing Methods 0.000 claims abstract description 37
- 238000010257 thawing Methods 0.000 claims abstract description 14
- 230000000694 effects Effects 0.000 claims description 10
- 238000012790 confirmation Methods 0.000 claims description 9
- 238000012546 transfer Methods 0.000 claims description 5
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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
- G06Q10/00—Administration; Management
- G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
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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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses an online financing settlement method and platform, wherein the method comprises the following steps: determining the current to-be-paid fee of a payer; checking whether funds in the payer account are able to pay the fee; if not, a branch request is initiated to a financial institution system, so that the financial institution system issues a loan to the account of the payer according to a loan credit limit signed up with the payer in advance, and freezes the cost amount; after the payment condition is met, a thawing request is initiated to the financial institution system; and after the expense amount is thawed, carrying out payment processing. By using the invention, the online financing and settlement service can be provided for the user, and the pressure of the user on the tension of funds in a certain period can be relieved.
Description
Technical Field
The invention relates to the field of payment, in particular to an online financing and settlement method and platform.
Background
In the physical flow process of the articles from the supply place to the receiving place, the functions of transportation, storage, loading, unloading, carrying, packaging, circulation processing, distribution, information processing and the like are organically combined according to actual needs to realize the process required by users. With the development of social economy, the production and consumption industries have higher and higher dependence on logistics, but the problems of high vehicle and ship empty rate, high freight cost, insufficient logistics resource utilization and the like in freight logistics always exist. The existence of the problems not only can reduce the logistics efficiency and indirectly promote the commodity price, but also can influence the development of other industries.
For this reason, the industry has developed an electronic commerce platform for associating cargo parties with vehicle-ship parties, which is a service platform for helping vehicle-ship owners, cargo owners and related logistics enterprises to reduce costs and enlarge traffic. However, most of the service platforms currently have single functions, such as providing information services such as goods sources and car sources, and cannot better meet the demands of users.
Disclosure of Invention
The invention provides an online financing settlement method and platform, which can provide online financing settlement service for users and relieve the pressure of fund tension of the users in a certain period.
Therefore, the embodiment of the invention provides the following technical scheme:
an online financing settlement method, the method comprising:
determining the current to-be-paid fee of a payer;
checking whether funds in the payer account are able to pay the fee;
if not, a branch request is initiated to a financial institution system, so that the financial institution system issues a loan to the account of the payer according to a loan credit limit signed up with the payer in advance, and freezes the cost amount;
after the payment condition is met, a thawing request is initiated to the financial institution system;
and after the expense amount is thawed, carrying out payment processing.
Optionally, the payer is a goods party member;
the determining that the payer is currently paying includes:
and determining the current to-be-paid fee of the goods party member according to the goods contract signed by the goods party member on line.
Optionally, the payer is a buyer member;
the determining that the payer is currently paying includes:
and determining the current expense to be paid of the buyer member according to the buying and selling contract signed by the buyer member on line.
Optionally, the payment condition includes: receiving a goods delivery completion notification;
the payment processing includes:
the fee amount is paid from the payer account to a platform account, and then paid by the platform account to a payee account; or alternatively
Transferring the fee amount from the payer account to a payee account via a platform account; or alternatively
The fee amount is debited from the payer account to the payee account.
Optionally, the method further comprises:
checking if the loan reaches the payer account;
and if so, notifying the payee to carry out cargo transportation.
An online financing settlement platform, the platform comprising:
the charge confirming module is used for determining the current charge to be paid by the payer;
the inquiry module is used for checking whether the fund in the payer account can pay the fee;
the payment condition judging module is used for judging whether the payment condition is met;
a request module, configured to initiate a branch request to a financial institution system when the query module detects that funds in the payer account cannot pay the fee, so that the financial institution system issues a loan to the payer account according to a loan credit line signed up in advance with the payer, and freezes a fee amount; after the payment condition judging module judges that the payment condition is met, a thawing request is initiated to the financial institution system;
and the payment processing module is used for performing payment processing.
Optionally, the payer is a goods party member;
the expense confirmation module is specifically used for determining the current expense to be paid of the goods party member according to the goods contract signed by the goods party member on line.
Optionally, the payer is a buyer member;
the expense confirmation module is specifically used for determining the current expense to be paid by the buyer member according to the buying and selling contract signed by the buyer member on line.
Optionally, the payment condition includes: receiving a goods delivery completion notification;
the payment processing module is specifically used for paying the expense amount from the payer account to a platform account, and then paying the expense amount from the platform account to a payee account; or transferring the fee amount from the payer account to a payee account via a platform account; or the fee amount is paid from the payer account to the payee account.
Optionally, the inquiry module is further configured to check whether the loan reaches the payer account;
and the carrier triggering module is used for notifying the payee to carry out goods delivery after the inquiring module checks that the loan reaches the account of the payer. Compared with the prior art, the invention has the following advantages:
according to the online financing settlement method and platform provided by the invention, aiming at the problems of tension of funds, difficult financing and expensive financing of enterprises, a new financing channel is added for the enterprises, and for platform subscribers, under the condition that the funds in the accounts of the platform subscribers cannot fully pay the current fees to be paid, the platform initiates a branch request to a financial institution system, so that the financial institution system distributes loans to payors according to credit amounts of loans signed with payors in advance, and freezes the fees; after the payment condition is met, a thawing request is initiated to a financial institution system; after the expense amount is thawed, payment processing is carried out, so that a member enterprise of a payer can pay and settle through online financing of a platform, and the pressure of fund shortage of the member enterprise in a certain period is relieved; and the payment is carried out by cash payment of low-lying loan instead of account payment, so that the cost of a payer can be effectively reduced.
Further, for the payee associated with the payer, the benefits of the payee can be better ensured not to be lost through the online checking of the payer account and the loan application by the platform.
Drawings
FIG. 1 is a flow chart of an online financing settlement method according to an embodiment of the present invention;
FIG. 2 is a block diagram of an exemplary embodiment of an online financing settlement platform;
FIG. 3 is another block diagram of an embodiment of the online financing settlement platform.
Detailed Description
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. The present invention may be embodied in many other forms than those herein described, and those skilled in the art will readily appreciate that the present invention may be similarly embodied without departing from the spirit or essential characteristics thereof, and therefore the present invention is not limited to the specific embodiments disclosed below.
The embodiment of the invention provides an online financing and settlement method and a platform, which aim at a platform subscriber, under the condition that funds in an account of the platform subscriber cannot pay the current to-be-paid fees, the platform initiates a branch request to a financial institution system, so that the financial institution system distributes loans to payers according to loan credit amounts signed with the payers in advance, and freezes the fees; after the payment condition is met, a thawing request is initiated to a financial institution system; after the expense amount is thawed, payment processing is carried out, so that a member enterprise of a payer can pay and settle through online financing of a platform, and the pressure of fund shortage of the member enterprise in a certain period is relieved; and the payment is carried out by cash payment of low-lying loan instead of account payment, so that the cost of a payer can be effectively reduced.
As shown in fig. 1, a flowchart of an online financing settlement method according to an embodiment of the present invention includes the following steps:
step 101, determining the current fee to be paid by the payer.
The payer is relative to the payee, and both are parties that are associated by the same activity. In the embodiment of the invention, the payer and the payee can be subscription members of the platform. For example, for both parties to a business transaction, the payer may be a buyer member of the platform and the payee may be a seller member of the platform; for another example, for both logistics and transportation parties, the payer may be a cargo party member of the platform and the payee may be a platform or a car and boat member.
Of course, in some application scenarios, the payee may also be the platform itself.
Aiming at the buying and selling transaction application, the platform can determine the current expense to be paid of the buyer member according to the buying and selling contract signed by the buyer member on line; for logistics transportation application, the platform can determine the current to-be-paid fee of the cargo party member according to the cargo contract signed by the cargo party member on line.
It should be noted that, the contractual parties may be payers and platforms, platforms and payee, or payers and payee. For example, the platform may provide an online subscription interface and record the content of the contract filled in by the user.
In addition, the scheme of the embodiment of the invention can be applied to not only a full payment scene but also a staged payment scene, that is, the current to-be-paid fee can be full payment fee or staged payment fee, and the embodiment of the invention is not limited.
Step 102, checking whether the fee in the payer account can be paid; if yes, go to step 106; otherwise, step 103 is performed.
The account of the payer may be an auxiliary account under a platform account opened by a financial institution for the payer, or may be an account opened by the payer directly at the financial institution (such as a bank), which is not limited in the embodiment of the present invention.
And step 103, a branch request is initiated to a financial institution system so that the financial institution system issues a loan to the account of the payer according to the loan credit limit signed up with the payer in advance, and freezes the fee amount.
In practical application, the platform signing member can sign a three-party agreement with the platform and the financial institution in advance, and agree on loan amount and term of the member, and only the member signing the three-party agreement can provide online financing assistance for the platform, otherwise, no corresponding financing service is provided; or under the condition that the platform provides guarantee, defaulting to provide the financing service for all members signing up for financing by the platform; or the platform evaluates the subscription members and selectively provides the financing service.
Correspondingly, in another embodiment of the present invention, before the platform initiates the branch request to the financial institution system, it is further required to determine the identity of the payer, that is, determine whether the payer is an online financing service object; if yes, executing the step 103; otherwise, a prompt message can be sent to the payer to prompt that the account amount is insufficient, for example, a prompt message or a WeChat and other information prompts are sent to the mobile terminal of the payer. The judging conditions of the online financing service object can be set by the platform according to the application requirements, and the embodiment of the invention is not limited.
The credit limit can be determined by the financial institution according to the evaluation of the operation condition, the financial condition and the like of the contracted member or by the guarantee provided by the platform.
The fee amount may or may not be included in the credit request initiated by the platform to the financial institution system. Accordingly, the loan amount issued by the financial institution system to the payer may be a credit line agreed in advance, or may be issued according to the fee amount on the premise of not exceeding the credit line, which is not limited in the embodiment of the present invention. Of course, if the amount of the applied fee exceeds the credit limit, the financial institution system may reject the request or issue a loan in accordance with the agreed maximum limit.
In the logistics transportation application, after the platform initiates a branch request to the financial institution system, the platform can further check whether the loan reaches the account of the payer; if so, notifying the receiver of goods delivery, wherein the receiver is a carrier for bearing the goods by the goods party member, and the carrier is a signing member of the platform.
And 104, after the payment condition is met, initiating a thawing request to the financial institution system.
The payment condition may be that the platform receives a notification of completion of delivery of the good. For example, in the application of trading, after the member of the seller sends out the goods purchased by the buyer, a notification of the completion of the delivery of the goods is sent to the platform, and after the platform receives the notification, a thawing request is initiated to the financial institution system. For example, in the logistics transportation application, after the carrier delivers the carried goods to the receiver, the carrier sends a notification of completion of goods delivery to the platform, and after receiving the notification, the platform initiates a thawing request to the financial institution system. Of course, in other application scenarios, the payment conditions may be determined according to application requirements, and the payment conditions of different application scenarios may be the same or different, which is not limited by the embodiment of the present invention.
It should be noted that, the notification of the completion of the delivery of the goods may be sent through the mobile terminal login platform of the corresponding user or the corresponding APP.
And 105, after the expense amount is thawed, carrying out payment processing.
When the payment processing is carried out, the fee amount can be paid from the payer account to the platform account, and then the platform account is paid to the payee account; or transferring the fee amount from the payer account to a payee account via a platform account; or the fee amount is paid from the payer account to the payee account. Of course, in some application scenarios, in order to ensure the safety of the funds of the member account and the interests of both parties of the transaction, the transfer of the fee amount may also have a certain condition limit, and may be specifically determined according to the application requirement.
And 106, after the payment condition is met, performing payment processing.
The above mentioned, the judging condition of the online financing service object can be set by the platform according to the application requirement; in addition, the credit limit may be determined according to the evaluation of the operation condition, the financial condition, etc. of the contracted member, or may be determined by providing a guarantee by a platform. In view of the dynamic changes in the operating conditions, financial conditions, and industry conditions of the contracting members, and the possibility of large fluctuations after a period of time, in order to reduce the risk of the platform and the financial institution, in another embodiment of the present invention, the platform may record historical activity information of the contracting members, such as transaction amount, payment time, etc., and count these historical records, and transmit the historical records to the financial institution system. Accordingly, the financial institution system can adjust the credit limit of the contracted member according to the history record so as to reduce the risk of loan funds.
Aiming at the problems of shortage of funds, difficult financing and expensive financing of enterprises, the online financing and settlement method provided by the invention adds a new financing channel for the enterprises, and for platform subscribers, under the condition that funds in accounts of the platform subscribers cannot pay the current fees to be paid in full, the platform initiates a branch request to a financial institution system, so that the financial institution system distributes loans to payees according to credit limits signed with payees in advance and freezes the fees; after the payment condition is met, a thawing request is initiated to a financial institution system; after the expense amount is thawed, payment processing is carried out, so that a member enterprise of a payer can pay and settle through online financing of a platform, and the pressure of fund shortage of the member enterprise in a certain period is relieved; and the payment is carried out by cash payment of low-lying loan instead of account payment, so that the cost of a payer can be effectively reduced.
Correspondingly, the invention also provides an online financing and settlement platform, as shown in fig. 2, which is a structural block diagram of the platform.
In this embodiment, the platform comprises: a fee confirmation module 201, a query module 202, a payment triggering module 203, a request module 204, and a payment processing module 205. Wherein:
a fee confirmation module 201, configured to determine a fee currently to be paid by the payer;
a query module 202 for checking whether the funds in the payer account are able to pay the fee;
the payment triggering module 203 is configured to determine whether a payment condition is satisfied, and trigger the payment processing module 204 to perform payment processing after the payment condition is satisfied;
a request module 203, configured to initiate a branch request to a financial institution system to enable the financial institution system to issue a loan to the payer account according to a loan credit line signed up in advance with the payer and freeze a cost amount, when the query module 202 detects that funds in the payer account cannot pay the cost; after the payment condition judging module 203 judges that the payment condition is met, a thawing request is initiated to the financial institution system;
and the payment processing module 204 is used for performing payment processing.
Of course, if the query module 202 detects that funds in the payer account can pay the fee, the payment processing module 204 may perform payment processing after the payment condition is satisfied. The payment processing module 204 may perform payment processing after the payment condition is satisfied, regardless of whether the fee can be paid by the funds in the payer account. The payment conditions can be determined according to actual application requirements, and the payment conditions of different application scenes can be different. For example, in the application of trading, after the member of the seller issues the goods purchased by the buyer, a notification of the completion of the delivery of the goods is sent to the platform, and the payment triggering module 203 determines that the payment condition is satisfied after receiving the notification. For another example, in the logistics transportation application, after the carrier delivers the carried goods to the receiver, the carrier sends a notification of the completion of the delivery of the goods to the platform, and the payment triggering module 203 determines that the payment condition is satisfied after receiving the notification.
The payment processing may be that the payment processing module 204 may specifically pay the fee amount from the payer account to a platform account, and then pay the fee amount from the platform account to a payee account; or transferring the fee amount from the payer account to a payee account via a platform account; or the fee amount is paid from the payer account to the payee account. In order to avoid failure of the transfer of the fee amount due to the time difference between the thawing of the fee amount and the satisfaction of the payment condition, the payment processing module 204 may further perform the payment processing again at intervals of a certain time (for example, 3 hours) when the transfer of the fee amount fails. In addition, the payment processing module 204 may also notify the payee and the payee of the payment processing result after each payment processing operation, for example, send related prompt information to the payee and the payee's mobile terminal (such as a mobile phone) by means of a short message, a WeChat, etc.
In practical application, the payers can be platform subscription members with different behaviors aiming at different application scenes. For example, in a trade transaction application, the payer may be a buyer member, and accordingly, the fee confirmation module 201 may determine that the buyer member is currently paying for the fee according to an online trade contract made by the buyer member; for another example, in a logistics transportation application, the payer may be a goods party member, and accordingly, the fee confirmation module 201 may determine that the goods party member is currently paying for the fee according to a shipping contract made by the goods party member online.
Further, the platform may further include a corresponding signing module (not shown) for providing an online signing interface to the user and recording the content of the contract filled by the user.
In another embodiment of the present invention, the query module 202 may also check whether the loan reaches the payer account within a certain time after the request module 203 initiates a credit request to the financial institution system. Accordingly, in this embodiment, it may further include: a carrier trigger module (not shown) for notifying the payee of goods delivery after the query module 202 checks that the loan has reached the payer account, such as by sending a corresponding notification via a WeChat, SMS, APP, etc. tool.
It should be noted that, the financial institution system is a financial institution system subscribed with the platform and the payer, but not any financial institution system, and the platform provides online financing assistance for the subscribed member. The three-party agreement of the payer, the platform and the financial institution system can be completed on line or on line, and the embodiment of the invention is not limited. Of course, the financing service may be provided for all platform subscription members by default, also in the case of a guarantee provided by the platform; or the platform evaluates the subscription members and selectively provides the financing service.
Accordingly, as shown in fig. 3, in another embodiment of the present invention, the platform may further include: the identity confirmation module 301 is disposed between the query module 202 and the request module 203, and is configured to determine whether the payer is an online financing service object if the query module 202 detects that the funds in the account of the payer cannot pay the fee, and if so, trigger the request module 203 to initiate a branch request to a financial institution system; otherwise, a prompt message of insufficient account amount can be sent to the payer to prompt the payer to timely complement the account amount.
Aiming at the problems of shortage of funds and difficult financing of enterprises, the online financing and settlement platform provided by the invention adds a new financing channel for the enterprises, and for platform subscribers, under the condition that funds in accounts of the platform subscribers cannot pay the current fees to be paid in full, the platform initiates a branch request to a financial institution system, so that the financial institution system distributes loans to payors according to loan credit line signed with payors in advance and freezes the fees; after the payment condition is met, a thawing request is initiated to a financial institution system; after the expense amount is thawed, payment processing is carried out, so that a member enterprise of a payer can pay and settle through online financing of a platform, and the pressure of fund shortage of the member enterprise in a certain period is relieved; and the payment is carried out by cash payment of low-lying loan instead of account payment, so that the cost of a payer can be effectively reduced. In addition, before the expiration of the loan, the user can actively initiate all or part of online repayment in advance, or the financial institution system can automatically deduct the account funds of the user for repayment on the expiration date of the loan.
The scheme of the embodiment of the invention can be suitable for payment settlement in various industries, in particular to the industry application scene of the upstream and downstream users, such as logistics industry.
While the invention has been described in terms of preferred embodiments, it is not intended to be limiting, but rather, it will be apparent to those skilled in the art that various changes and modifications can be made herein without departing from the spirit and scope of the invention as defined by the appended claims.
Claims (2)
1. An online financing settlement method, comprising:
determining the current to-be-paid fee of a payer;
checking whether funds in the payer account are able to pay the fee;
if not, a branch request is initiated to a financial institution system, so that the financial institution system issues a loan to the account of the payer according to a loan credit limit signed up with the payer in advance, and freezes the cost amount;
after the payment condition is met, a thawing request is initiated to the financial institution system;
after the expense amount is thawed, carrying out payment processing;
the payer is a goods party member;
the determining that the payer is currently paying includes:
determining the current to-be-paid fee of the goods party member according to the goods contract signed by the goods party member on line;
the platform records historical activity information of the contracted member, wherein the historical activity information at least comprises transaction amount, transaction amount and payment time, the historical activity information is counted, and the historical activity information is transmitted to the financial institution system; the financial institution system adjusts the credit limit of the contracted member according to the history record;
the payer is a member of the buyer;
the determining that the payer is currently paying includes:
determining the current expense to be paid of the buyer member according to the buying and selling contract signed by the buyer member on line;
the payment conditions include: receiving a goods delivery completion notification;
the payment processing includes:
the fee amount is paid from the payer account to a platform account, and then paid by the platform account to a payee account; or alternatively
Transferring the fee amount from the payer account to a payee account via a platform account; or alternatively
Paying the fee amount from the payer account to a payee account;
the method further comprises the steps of:
checking if the loan reaches the payer account;
if yes, notifying the payee to carry out cargo transportation;
in the case of failure of the transfer of the fee amount, the payment processing is performed again at intervals of 3 hours.
2. An online financing settlement platform, comprising:
the charge confirming module is used for determining the current charge to be paid by the payer;
the inquiry module is used for checking whether the fund in the payer account can pay the fee;
the payment condition judging module is used for judging whether the payment condition is met;
a request module, configured to initiate a branch request to a financial institution system when the query module detects that funds in the payer account cannot pay the fee, so that the financial institution system issues a loan to the payer account according to a loan credit line signed up in advance with the payer, and freezes a fee amount; after the payment condition judging module judges that the payment condition is met, a thawing request is initiated to the financial institution system;
the payment processing module is used for performing payment processing;
the inquiry module in the platform records historical activity information of the contracted member, wherein the historical activity information at least comprises transaction amount, transaction amount and payment time, the historical activity information is counted, and the historical activity information is transmitted to the financial institution system; the financial institution system adjusts the credit limit of the contracted member according to the history record; under the condition that the transfer of the fee amount fails, carrying out payment processing again at intervals of 3 hours;
the payer is a goods party member;
the expense confirmation module is specifically used for determining the current expense to be paid of the goods party member according to the goods contract signed by the goods party member on line; the payer is a member of the buyer; the expense confirmation module is specifically used for determining the current expense to be paid of the buyer member according to the buying and selling contract signed by the buyer member on line; the payment conditions include: receiving a goods delivery completion notification;
the payment processing module is specifically used for paying the expense amount from the payer account to a platform account, and then paying the expense amount from the platform account to a payee account; or transferring the fee amount from the payer account to a payee account via a platform account; or the fee amount is paid from the payer account to the payee account;
the inquiry module is also used for checking whether the loan reaches the account of the payer;
and the carrier triggering module is used for notifying the payee to carry out goods delivery after the inquiring module checks that the loan reaches the account of the payer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910375111.3A CN110135828B (en) | 2019-05-07 | 2019-05-07 | Online financing settlement method and platform |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910375111.3A CN110135828B (en) | 2019-05-07 | 2019-05-07 | Online financing settlement method and platform |
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| Publication Number | Publication Date |
|---|---|
| CN110135828A CN110135828A (en) | 2019-08-16 |
| CN110135828B true CN110135828B (en) | 2024-01-30 |
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| CN201910375111.3A Active CN110135828B (en) | 2019-05-07 | 2019-05-07 | Online financing settlement method and platform |
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| CN111062708A (en) * | 2019-11-01 | 2020-04-24 | 环球雅途集团有限公司 | Payment gateway capable of configuring payment mode according to needs and implementation method |
| CN111383007A (en) * | 2020-03-03 | 2020-07-07 | 浙江网商银行股份有限公司 | Service processing method and device |
| CN111383098A (en) * | 2020-03-25 | 2020-07-07 | 中国建设银行股份有限公司 | Resource distribution method and device |
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