CN111160901A - Seller's pledge trading method, system and storage medium based on consumption promise - Google Patents

Seller's pledge trading method, system and storage medium based on consumption promise Download PDF

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CN111160901A
CN111160901A CN201811575271.4A CN201811575271A CN111160901A CN 111160901 A CN111160901 A CN 111160901A CN 201811575271 A CN201811575271 A CN 201811575271A CN 111160901 A CN111160901 A CN 111160901A
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transaction
buyer
seller
consumption
amount
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张永锋
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Henan Clapping Technology Co Ltd
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Henan Clapping Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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Abstract

A seller's mortgage transaction method based on consumption promise, a seller's mortgage transaction system based on consumption promise and a storage medium, wherein the seller's mortgage transaction method based on consumption promise comprises the following steps: the seller issues a consumption commitment service; the buyer makes a consumption promise, promises a predetermined consumption amount to the seller and promises to consume to the seller; the predetermined financial institution freezes the consumption amount from the buyer bank account according to the consumption promise; the buyer maintains ownership of the frozen consumption line, and the seller obtains the pledge right of the frozen consumption line; the seller imports the frozen consumption amount of the buyer to a financial transaction mechanism and obtains financing; the buyer and the seller initiate a transaction; completing the transaction and confirming the transaction result; the financial institution clears the fund according to the transaction result, so that the safety of the transaction fund of each party is improved, meanwhile, the application scene is wide, and the fund utilization rate can be improved.

Description

Seller's pledge trading method, system and storage medium based on consumption promise
Technical Field
The invention relates to the field of payment, in particular to a seller's mortgage transaction method and system based on consumption commitment and a storage medium.
Background
With the development of commodity economy, consumption modes are diversified day by day, prepaid consumption (i.e. payment before hand and consumption after hand) in the fields of networks, bathing, haircut, car repair and the like becomes very common, and card transaction becomes a common operation mode. Many consumers are deeply harmed by the strong risk of breach of such commercial prepaid cards: that is, if the operator is bad in operation and bankruptcy or the operator is fraudulent and issues a card, the card will disappear or refuse to accept the previous member after being changed, and the consumer will have two empty money and goods. Compared with the single-purpose commercial prepaid card business engaged by common enterprise legal persons, the single-purpose commercial prepaid card business is under supervision vacuum, and compared with the traditional enterprise legal person card issuing enterprises, the single-purpose commercial prepaid card business and the common consumer both lack understanding, the information is obviously asymmetric, and the default risk is easily generated. In order to solve the above problems, there is a pre-authorization service in the prior art, which means that a special merchant obtains a payment acceptance which does not exceed a certain proportion range of pre-authorization amount within a specified period of a card holder from a card issuing institution, and accepts the acceptance service after the card holder obtains goods or receives services. Generally speaking, the business of firstly freezing part of funds in the bank card to be used as deposit and then settling accounts according to the actual consumption amount is carried out. However, the pre-authorized transaction mode has the problems of very limited application and low fund utilization rate.
Disclosure of Invention
In view of the above, it is desirable to provide a seller's mortgage transaction method based on a promise to consume, a seller's mortgage transaction system based on a promise to consume and a storage medium, which can increase the security of the fund exchanged by each party, and can improve the fund utilization rate with a wide application range.
A seller's mortgage transaction method based on consumption commitment includes the following steps:
the seller issues a consumption commitment service;
the buyer makes a consumption promise, promises a predetermined consumption amount to the seller and promises to consume to the seller;
the predetermined financial institution freezes the consumption amount from the buyer bank account according to the consumption promise; the buyer maintains ownership of the frozen consumption line, and the seller obtains the pledge right of the frozen consumption line;
the seller imports the frozen consumption amount of the buyer to a financial transaction mechanism and obtains financing;
the buyer and the seller initiate a transaction;
completing the transaction and confirming the transaction result;
the financial institution liquidates the funds based on the transaction results.
Preferably, the step of the seller issuing the consumption commitment service includes:
the seller issues a loyalty card to the buyer.
Preferably, the financial institution is a financial institution subscribed by the buyer;
the step of the predetermined financial institution freezing the consumption amount from the buyer bank account according to the consumption promise comprises the following steps:
the buyer opens a financial fund account in the financial institution;
the financial institution transfers the predetermined consumption amount from the buyer's bank account to the financial fund account according to the consumption commitment;
and freezing the amount transferred to the financial fund account.
Preferably, the step of the predetermined financial institution freezing the consumption amount from the buyer's bank account according to the consumption promise includes:
requesting the buyer's account bank to confirm whether there is a credit not less than the transaction amount;
terminating the transaction when the credit of the buyer's account bank is less than the transaction amount;
executing limit freezing when the limit of the buyer account bank is not lower than the transaction amount; and
and recording the result of the transaction suspension or the credit freezing execution.
Preferably, the lines include fund lines and credit lines.
Preferably, the step of completing the transaction and confirming the result of the transaction comprises:
the seller ships or fulfills the predetermined service and notifies the buyer of waiting for receipt or receipt of the predetermined service;
receiving the receiving information or the service achievement information of the buyer;
and confirming the transaction result according to the receiving information or the service achievement information of the buyer.
Preferably, the step of confirming the transaction result according to the receipt information or the service agreement information of the buyer includes:
when the buyer returns the information of successful receiving or service achievement, the transaction is confirmed to be successful; and
when the buyer returns the information of the failure of receiving goods or the failure of service achievement, the transaction is confirmed to be failed.
Preferably, the step of clearing funds based on the outcome of the transaction includes:
when the transaction is successful, requesting transfer of funds to the seller;
the financial institution redeems the amount of money consumed by the buyer from the financial account of the buyer to the bank account of the buyer;
the bank transfers the redeemed amount to the seller's bank account; and
and when the transaction fails, releasing the line freezing of the buyer financial fund account.
A seller's pledge trading system based on a promise to consume, comprising:
a processor;
a storage medium; and
a communication network through which the processor is communicatively coupled with the storage medium;
wherein the storage medium stores a plurality of instructions adapted to be loaded by the processor and execute the aforementioned method for seller's mortgage transaction based on a commitment to consume.
A storage medium having stored thereon instructions adapted to be loaded by a processor and execute the aforementioned method of a seller's mortgage transaction based on a commitment to consume.
In the above-mentioned seller's mortgage right transaction method based on consumption promise, the seller's mortgage right transaction system based on consumption promise and the storage medium, the seller issues the consumption promise service, provides the predetermined seller's consumption service, and can be used for commodity transaction and service transaction, and the application scene is wide. When a buyer and the seller initiate a transaction, a predetermined financial institution freezes a consumption amount from a buyer bank account according to the consumption promise; the buyer keeps ownership of the frozen consumption line, and the seller obtains the pledge right of the frozen consumption line, so that the fund safety of the buyer can be ensured, and the seller can obtain the pledge right of the frozen consumption line for pledge financing, and the fund utilization rate is improved. The buyer initiates a transaction request based on the consumption promise, and confirms fund clearing after receiving the transaction completion, thereby not only increasing the security of transaction funds of each party, but also leading the merchant to obtain the recharge funds in time, enlarging the production operation scale and providing higher-quality service. And clearing funds according to the transaction result, and increasing the security of the transaction funds of each party.
Drawings
FIG. 1 is a block diagram of the logical structure of a preferred embodiment of a seller's pledge trading system based on a commitment to consume.
FIG. 2 is a flow diagram of a preferred embodiment of a seller's method of pledge trading based on a commitment to consume.
FIG. 3 is a schematic diagram illustrating a process of the predetermined financial institution of FIG. 2 to freeze the consumption amount from the buyer's bank account according to the consumption commitment.
FIG. 4 is a flowchart illustrating steps of the buyer and the seller initiating a transaction in FIG. 2.
Fig. 5 is a flowchart illustrating the step of signing an intelligent contract based on the transaction information in fig. 4.
FIG. 6 is a flowchart illustrating the step of the predetermined financial institution of FIG. 2 freezing the consumption amount from the buyer's bank account according to the consumption promise.
FIG. 7 is a flowchart illustrating the step of performing credit freeze shown in FIG. 6.
Fig. 8 is a schematic flow chart illustrating a transaction completed according to the blockchain smart contract in fig. 2.
Fig. 9 is a flowchart illustrating the process of confirming the transaction result according to the receipt information of the buyer in fig. 6.
FIG. 10 is a schematic diagram illustrating the process of FIG. 2 for clearing funds based on the transaction results.
Description of the main elements
100 trading platform
110 storage medium
120 processor
200 distributed network
500 seller pledge trading system based on consumption commitment
The following detailed description will further illustrate the invention in conjunction with the above-described figures.
Detailed Description
As shown in FIG. 1, a seller's pledge trading system 500 based on a promise to consume includes a trading platform 100 and a communication network. The communication network may be a blockchain based distributed network 200. The trading platform 100 stores instructions adapted to be loaded and executed by a processor 120 to implement a seller's mortgage transaction based on a commitment to consume.
The trading platform 100 may include a storage medium 110 and a processor 120.
The plurality of instructions are stored in the storage medium 110. The processor 120 is communicatively coupled to the storage medium 110 to load instructions from the storage medium 110 and to perform functions directed by the instructions.
Referring also to fig. 2-9, the instructions stored by the transaction platform 100 may be loaded and executed by the processor 120 to implement a seller's method of pledging based on a commitment to consume.
Specifically, the seller's method of pledging based on a commitment to consume may include the following steps.
S101, the seller issues a consumption promise service and provides the consumption promise service to the buyer.
In an embodiment, the seller issues the consumption commitment service, and the step of providing the predetermined seller's consumption service may be implemented in a manner that the seller issues a service of a loyalty card to the buyer.
The buyer can use the commitment card for consumption by the seller.
S102, the buyer makes a consumption promise, and makes a promise of reserving a consumption amount for the seller and makes a promise of consuming for the seller.
In particular embodiments, the buyer promises a predetermined amount of consumption at the seller for reasons such as obtaining an offer from the seller. For example, the buyer makes a commitment to a predetermined consumption amount in the seller and obtains a loyalty card issued by the seller, for the reason of obtaining a discount activity of the seller.
The promised predetermined purchase amount may be purchased at a seller predetermined by the seller to obtain the corresponding goods or services. Based on this, the buyer can obtain the seller's preference, the seller can be the seller, the seller can obtain the commission or other form of payment provided by the seller, and the seller can also obtain the seller-directed customer traffic.
S103, the predetermined financial institution freezes the consumption amount from the buyer bank account according to the consumption promise; the buyer maintains ownership of the frozen spending limit, and the seller gains pledge right of the frozen spending limit.
The buyer can not use other consumption or cash withdrawal because of the ownership of the frozen consumption amount, and can still obtain financial benefits brought by the frozen part of the consumption amount before the transaction is completed. Meanwhile, the part of the consumption amount is frozen in the account of the buyer, so that the fund security of the buyer can be ensured.
The seller obtains the pledge right of the frozen consumption amount, and can obtain the pledge right of the frozen consumption amount on the premise of ensuring the fund security of the buyer, and the seller can utilize the pledge right to carry out pledge financing and obtain the fund required by operation, thereby improving the fund utilization rate.
In a particular implementation, the financial institution may be a financial institution that the buyer subscribes to. Correspondingly, the step of the predetermined financial institution freezing the consumption amount from the buyer bank account according to the consumption promise may include:
s103a, a buyer opens a financial fund account in the financial institution;
s103b, the financial institution transfers the preset consumption amount from the bank account of the buyer to the financial fund account according to the consumption commitment;
s103c, freezing the amount transferred to the financial fund account.
The transaction may be an online transaction, such as a transaction at a network mall, or an offline transaction, such as a transaction at a physical merchant.
In a specific implementation, the amount may be a balance of funds in the buyer's bank account, or may be a credit amount corresponding to the buyer's bank account.
During the freezing period, the buyer still has ownership of the frozen portion of the quota, and can obtain financial benefits, but can not consume or cash up. The seller has access to the in-transit funds pledge that freezes the portion of the line.
And the in-transit funds are committed to be consumed by the buyer, the committed funds are frozen in the bank account of the buyer, and clearing is carried out after the subsequent transaction flow is finished. At this point, the in-transit funds are frozen in the buyer's bank account to ensure that the transaction can be completed according to the signed blockchain intelligent contract.
In other words, during the transaction, the buyer retains ownership of the in-transit funds from the time the buyer places the order until the transaction is completed, while the seller gains access to the in-transit funds pledge. Therefore, the property rights of the buyer and the seller can be guaranteed, the safety of funds of all parties in online transaction or offline transaction is improved, and the transaction is favorably completed.
Taking online transaction as an example, specifically, when a buyer and the seller initiate a transaction, a predetermined financial institution freezes a consumption amount from a buyer bank account according to the consumption promise; in step S103, where the buyer has ownership of the frozen consumption line and the seller has pledge right of the frozen consumption line, the buyer and the seller can initiate a transaction as follows.
And S1031, receiving a transaction request sent by the buyer in the network mall. I.e. the buyer purchases the order in the network mall.
S1032, receiving the transaction information. The transaction information may include buyer information, seller information, commodity price and payment conditions, for example, the transaction information may include account information of the buyer in the network mall, account information of the seller in the network mall, price and payment conditions of the target commodity to assist in completing the transaction.
Specifically, the buyer may send a transaction request to the seller, which may include buyer information, targeted merchandise information intended for purchase. The seller confirms whether the target commodity can be sold according to the transaction request of the buyer.
If the intention to purchase and sell is reached, the transaction platform 100 may collect transaction information, including buyer information, target commodity information, seller information, and order information.
The collected transaction information may be stored into blockchain based distributed network 200.
S1033, the buyer confirms the transaction information and signs an intelligent contract based on the transaction information.
For example, in an implementation, the intelligent contracts may be blockchain intelligent contracts. The blockchain smart contracts may include the sum of the commodity labels and the quantity, the payment method, and the delivery method. It is to be understood that in other embodiments, the intelligent contract may be other forms of intelligent contracts, as long as the intelligent contract can satisfy the requirements of being verified and being able to be authenticated.
In a preferred embodiment, in step S1033, the buyer confirms the transaction information and signs up the intelligent contract based on the transaction information, and the signing up the intelligent contract may specifically include the following steps.
And S1033a, generating a block chain intelligent contract according to the transaction information and a preset rule.
S1033b, broadcasting the intelligent contract of the block chain to each chain end of the block chain.
The method for storing, transmitting and certifying the data in a decentralized and distributed structure of the block chain is used for storing the intelligent contracts of the block chain into a block chain database to obtain the existence certification of the intelligent contracts of the block chain. Transaction information is authorized through the distributed network 200, and transactions are guaranteed to be not falsifiable through intelligent contracts.
S1033c, each chain end of the block chain confirms and records the intelligent contract of the block chain according to a delegation rights and interests certification mechanism.
In the distributed network 200, each isolated node has a mechanism to agree on something, and the delegation Proof of rights (DPOS) is a mechanism applied to a block chain, which is easily found in the prior art and will not be described in detail herein.
In particular implementations, when a buyer initiates a transaction with the seller, a predetermined financial institution freezes spending limit from a buyer's bank account according to the spending commitment; in step S103, where the buyer maintains ownership of the frozen consumption line and the seller gains the pledge of the frozen consumption line, the step of freezing the consumption line from the buyer' S bank account by the predetermined financial institution according to the promise of consumption may specifically include the following steps.
S1034, the buyer account bank is requested to confirm whether the amount is not less than the commodity price.
S1035. terminate the transaction when the credit of the buyer's account bank is lower than the commodity price.
And S1036, performing quota freezing when the quota of the buyer account bank is not lower than the commodity price.
In a preferred embodiment, the step of performing credit freezing may specifically include the following steps.
S1036a, establishing a block chain client account. For example, a user applies for a wallet at a blockchain wallet and creates a wallet address that is unique and non-tamperproof, and all wallet information transactions are synchronized to the blockchain.
And S1036b, initiating in-transit fund pledge pre-authorization to a buyer bank account through the block chain client account, namely, making a consumption promise by a buyer user, and authorizing the buyer bank account to execute fund or credit line freezing according to the consumption promise and the block chain intelligent contract.
For example, in an implementation, the buyer user may purchase the spending limit by notifying the transaction platform 100 when purchasing the goods, committing to the spending, and committing to the seller to pledge the frozen limit, i.e., the in-transit funds. The transaction platform 100 notifies the financial institution to lock the amount of money corresponding to the purchased goods in the buyer's account, the locked funds are in-transit funds, ownership of the funds and revenue generated therebetween remain attributed to the buyer, and the in-transit funds cannot be used for other consumption or cash withdrawal.
And S1036c, requesting the buyer bank to carry out in-transit fund pledge according to the intelligent contract. After the buyer user successfully pays, the blockchain wallet synchronizes the transaction information to the blockchain, and the merchant confirms the transaction information to the blockchain. The seller may thereby gain pledge of funds in transit.
The user purchases goods selection for payment using the blockchain wallet and synchronizes the transaction order to the blockchain.
S1037, broadcasting the result of stopping the transaction or executing credit freezing to each chain end of the block chain.
And S104, the seller imports the frozen consumption amount of the buyer to a financial transaction mechanism and obtains financing for production and operation.
And S105, completing the transaction.
And S106, confirming and recording the transaction result.
In particular implementations, the transaction results may include both transaction success and transaction failure results.
And S107, the financial institution clearing funds according to the transaction result.
Corresponding to the two results of the successful transaction and the failed transaction, the financial institution can correspondingly settle the fund to the seller or the buyer, namely, the seller obtains the goods money pre-authorized by the buyer when the transaction is successful, and the pre-authorized money is returned to the buyer when the transaction is failed. For example only, in particular implementations, the step of clearing funds from the financial institution based on the transaction results may also be implemented in accordance with other principles.
In another preferred embodiment, the step S104 of completing the transaction may specifically include the following steps.
S1051. the seller ships or fulfills the predetermined service and notifies the buyer to wait for receipt or prepare to receive the predetermined service.
And S1052, receiving the receiving information or the service achievement information of the buyer.
And S1053, confirming a transaction result according to the receiving information or the service achievement information of the buyer.
Preferably, the step S1043 of confirming the transaction result according to the receiving information of the buyer may specifically include the following steps.
And S1053a, when the buyer returns the information of successful delivery or service achievement, the transaction is confirmed to be successful.
And S1053b, when the buyer returns the information of receiving failure or service achievement failure, confirming that the transaction fails.
Correspondingly, the step S106 of clearing the fund by the financial institution according to the transaction result specifically includes the following steps.
S1071, when the transaction is successful, requesting transfer of the account to the seller.
S1072, the financial institution redeems the consumed amount from the financial account of the buyer to the bank account of the buyer
S1073, executing a transfer program, and transferring the redeemed amount to the seller's bank account by the bank.
S1074, when the transaction fails, the line freezing of the financial fund account of the buyer is released.
In the above-described seller's mortgage transaction method based on a promise to consume, the seller's mortgage transaction system 500 based on a promise to consume, and the storage medium 100, the seller issues a promise to consume service, and provides a predetermined seller's consumption service, which can be used for commodity transaction, service transaction, and application scenarios are wide. When a buyer and the seller initiate a transaction, a predetermined financial institution freezes a consumption amount from a buyer bank account according to the consumption promise; the buyer keeps ownership of the frozen consumption line, and the seller obtains the pledge right of the frozen consumption line, so that the fund safety of the buyer can be ensured, and the seller can obtain the pledge right of the frozen consumption line for pledge financing, and the fund utilization rate is improved. The buyer initiates a transaction request based on the consumption promise, and confirms fund clearing after receiving the transaction completion, thereby not only increasing the security of transaction funds of each party, but also leading the merchant to obtain the recharge funds in time, enlarging the production operation scale and providing higher-quality service. And clearing funds according to the transaction result, and increasing the security of the transaction funds of each party.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.

Claims (10)

1. A seller's mortgage transaction method based on consumption commitment is characterized by comprising the following steps:
the seller issues a consumption commitment service;
the buyer makes a consumption promise, promises a predetermined consumption amount to the seller and promises to consume to the seller;
the predetermined financial institution freezes the consumption amount from the buyer bank account according to the consumption promise; the buyer maintains ownership of the frozen consumption line, and the seller obtains the pledge right of the frozen consumption line;
the seller imports the frozen consumption amount of the buyer to a financial transaction mechanism and obtains financing;
completing the transaction;
confirming and recording a transaction result;
the financial institution liquidates the funds based on the transaction results.
2. The method of claim 1, wherein the step of the seller issuing the purchase commitment service comprises:
the seller issues a loyalty card to the buyer.
3. The method of claim 1, wherein the seller's credit transaction method based on a commitment to consume is characterized by: the financial institution is a financial institution reserved by the buyer;
the step of the predetermined financial institution freezing the consumption amount from the buyer bank account according to the consumption promise comprises the following steps:
the buyer opens a financial fund account in the financial institution;
the financial institution transfers the predetermined consumption amount from the buyer's bank account to the financial fund account according to the consumption commitment;
and freezing the amount transferred to the financial fund account.
4. The seller's pledge transaction method of claim 1, wherein the step of the predetermined financial institution freezing spending limit from the buyer's bank account according to the spending commitment comprises:
requesting the buyer's account bank to confirm whether there is a credit not less than the transaction amount;
terminating the transaction when the credit of the buyer's account bank is less than the transaction amount;
executing limit freezing when the limit of the buyer account bank is not lower than the transaction amount; and
and recording the result of the transaction suspension or the credit freezing execution.
5. The method of claim 1, wherein the seller's credit transaction method based on a commitment to consume is characterized by: the amount includes a fund amount and a credit amount.
6. The method of claim 1, wherein the step of completing the transaction and confirming the result of the transaction comprises:
the seller ships or fulfills the predetermined service and notifies the buyer of waiting for receipt or receipt of the predetermined service;
receiving the receiving information or the service achievement information of the buyer;
and confirming the transaction result according to the receiving information or the service achievement information of the buyer.
7. The method of claim 6, wherein the step of confirming the transaction result according to the receiving information or the service achievement information of the buyer comprises:
when the buyer returns the information of successful receiving or service achievement, the transaction is confirmed to be successful; and
when the buyer returns the information of the failure of receiving goods or the failure of service achievement, the transaction is confirmed to be failed.
8. The method of claim 3, wherein the step of clearing funds based on the transaction results comprises:
when the transaction is successful, requesting transfer of funds to the seller;
the financial institution redeems the amount of money consumed by the buyer from the financial account of the buyer to the bank account of the buyer;
the bank transfers the redeemed amount to the seller's bank account; and
and when the transaction fails, releasing the line freezing of the buyer financial fund account.
9. A seller's pledge trading system based on a promise to consume, comprising:
a processor;
a storage medium; and
a communication network through which the processor is communicatively coupled with the storage medium;
wherein the storage medium stores a plurality of instructions adapted to be loaded by the processor and to perform the method of any of claims 1-8 based on a consumption commitment for a seller's credit transaction.
10. A storage medium, characterized by: the storage medium stores instructions adapted to be loaded by a processor and to perform the method of a seller's mortgage transaction based on a commitment to consume as claimed in any one of claims 1-8.
CN201811575271.4A 2018-11-08 2018-12-21 Seller's pledge trading method, system and storage medium based on consumption promise Pending CN111160901A (en)

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CN201811574200.2A Pending CN111160900A (en) 2018-11-08 2018-12-21 Transaction method, system and storage medium based on seller consumption commitment
CN201811575266.3A Pending CN111161058A (en) 2018-11-08 2018-12-21 Online transaction method, system and storage medium based on consumption commitment
CN201811575269.7A Pending CN111161079A (en) 2018-11-08 2018-12-21 Financing transaction method, system and storage medium based on consumption commitment
CN201811575271.4A Pending CN111160901A (en) 2018-11-08 2018-12-21 Seller's pledge trading method, system and storage medium based on consumption promise
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CN201811575266.3A Pending CN111161058A (en) 2018-11-08 2018-12-21 Online transaction method, system and storage medium based on consumption commitment
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CN113128985A (en) * 2021-04-23 2021-07-16 中国工商银行股份有限公司 Online transaction method, device, equipment and medium based on intelligent contract
CN116993345A (en) * 2023-06-20 2023-11-03 上海蚂蚁创将信息技术有限公司 User quota allocation method and device

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Application publication date: 20200515