CN111754351A - Block chain-based network transaction method and network transaction platform system for investment by collecting and paying - Google Patents

Block chain-based network transaction method and network transaction platform system for investment by collecting and paying Download PDF

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CN111754351A
CN111754351A CN202010346760.3A CN202010346760A CN111754351A CN 111754351 A CN111754351 A CN 111754351A CN 202010346760 A CN202010346760 A CN 202010346760A CN 111754351 A CN111754351 A CN 111754351A
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seller
buyer
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CN111754351B (en
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戴根春
戴文悦
戴文招
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Beijing Huanyuantang Biotechnology Co ltd
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Beijing Huanyuantang Biotechnology Co ltd
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Abstract

The invention provides a block chain-based network transaction method and a network transaction platform system for investment by using collected and paid money, and relates to the technical field of network investment. The block chain-based network transaction platform system for investment by receiving and paying money comprises a trading network platform, a financing investment network platform and a block chain module, and the block chain-based network transaction method for investment by receiving and paying money comprises the following steps: s1, a seller or a buyer registers to become a buyer investment member or a seller investment member through a buyer and seller node information registration module; and S2, selecting an investment mode by the buyer investment member or the seller investment member through the investment mode selection module, and then storing and recording the registration information and the investment mode information of the buyer investment member or the seller investment member by the data storage module. By using the system and the method, the investment is as convenient as online shopping, the investment cost is reduced, and the investment risk is reduced.

Description

Block chain-based network transaction method and network transaction platform system for investment by collecting and paying
Technical Field
The invention relates to the technical field of network investment, in particular to a block chain-based network transaction method and a network transaction platform system for investment by using a payment amount.
Background
China is a developing country and also a large population country, and the rapid development of China needs the innovation of the whole country and the masses. The reform is open, the Chinese cultural education cause is rapidly developed, and the operation consciousness and the idea are also improved. The commodities and services related to the civilization information of common people clothes and eating residences, beauty and body care, medical care, consultation services and the like are mainly operated by people's entrepreneurs and people's innovative individuals, individual households and small and medium-sized micro-enterprises, the commodities and services have the advantages of high demand, large market, stable market, low operation risk and low required investment amount and access threshold, and are suitable for people's entrepreneurs, but the commodities and services generally have the problems of high cost and low profit, and meanwhile, the commodities, the individuals, the individual households and the small and medium-sized micro-enterprises which have the problems of low credit and no guarantee of mortgage, and the investment of banks and securities is difficult to obtain. Only the investment of the whole people can provide good fund support for the innovation of the whole people and the masses.
The development of the internet provides convenience for online shopping and service consumption of buyers and provides a convenient network marketing channel for sellers, so that the buyers and the sellers can directly realize commodity or service transaction on an internet platform, the intermediate links from the sellers to the buyers are reduced, and convenience is brought to the buyers and the sellers. The Internet payment platform also provides convenient service for the income and the expense of buyers and sellers, and the arrival of Internet big data not only provides accurate market analysis of commodities and services for sellers, but also provides convenience for buyers to know the quality of related commodities and services and the credit worthiness of related sellers. The buying and selling network platform, the online payment platform, the internet big data and the network environment of the internet realize the national investment.
The current trading transaction network platform has the following defects: the buyer can not see the real object of the purchased product before receiving the goods, know the product performance and quality, and have slow logistics; the high advertising costs result in no money being made by both merchants and sellers; the additional re-development function and service of the trading network platform are insufficient, namely the development and service of the value-added part are insufficient.
The technical problems of the existing investment mode are as follows: high site costs; the existing investment modes are used as agents or agent companies or intermediaries of depositors or investors, can help the depositors or investors to check and verify financing parties and financing items, relatively reduce the investment risks of the depositors and investors, but also damage the direct communication and understanding of the depositors, investors and financing parties to a certain extent, reduce the investment income of the depositors and investors, and raise the investment limit of the depositors and investors and the financing cost of the financing parties; the threshold of the investment of depositors and investors through banks, securities, stocks, funds or wealth management companies, guarantee companies and the like is higher, common people can not meet the requirements of the existing investment mode, and the condition information of financing parties and financing items which can be independently known after the investment is less, and the transparency is not high; the existing banks, securities, stocks, fund or wealth management companies and security companies have strict requirements on financing parties, require mortgage guarantees and the like, and have higher interest rate and even high interest credit without the need of the mortgage guarantees; existing banks, securities, stocks, funds, or wealth management companies, security companies, and the like use bank deposits of depositors or investors to perform investment and financing, and the money can be recovered after the investment is due, which may affect the lives or operations of the depositors and investors.
Disclosure of Invention
Technical problem to be solved
Aiming at the defects of the prior art, the invention provides a block chain-based network transaction method and a network transaction platform system for investment by using a payment amount, and solves the problems of high investment cost, low transparency, high threshold and slow investment cost recovery in the prior art.
(II) technical scheme
In order to achieve the purpose, the invention is realized by the following technical scheme: the block chain based network transaction platform system for investment by collecting and paying money comprises a trading network platform, a financing network platform and a block chain module.
Preferably, the buying and selling network platform is an internet shopping network platform consisting of a buyer and a seller, a network service platform and a network platform combining a network and an entity, and comprises an information registration module, a data analysis module, a data storage module, a receipt and payment management module, an investment mode selection module, an investment mode management module and an investment account module.
Preferably, the investment and financing network platform is used for providing a financing platform for financers and providing investment projects for registered investment members, and comprises a financing project submission module, a financing project auditing module, a financing information storage module, a financing project determination module, a financing project management module and a financing profit sharing management module.
Preferably, the block chain module comprises a payment node, a bank node, a financing workstation node, a block chain network and a buyer node, and the payment node is connected with the bank node.
Preferably, the information registration module is used for registering and registering for the buyer and the seller on the buying and selling network platform, the buyer selects to register as a common buyer member or a buyer investment member, and the seller selects to register as a common seller member or a seller investment member.
The data analysis module is used for processing transaction data and other calculation data.
The data storage module is used for storing the registration information and the investment project information of the registered users of the trading network platform.
The payment receiving and paying management module is used for managing that the purchase payment of a common buyer member comprises seller payment, logistics cost and platform charging, the sale payment of the common seller member comprises seller payment, logistics cost and platform charging, the purchase payment of a buyer investment member comprises seller payment, logistics cost, partial payment for investment and platform charging, and the sale payment of the seller investment member comprises seller payment, logistics cost, partial income for investment and platform charging.
The investment mode selection module enables the buyer investment member and the seller investment member to select different modes to extract partial sum from the transaction amount as investment money when the members register, and can select 0.01% -10% of the sum of each transaction amount to be extracted as the investment money; or the money of 0.01-20 Yuan RMB is extracted from each transaction as the investment; the mode of processing by the size of the transaction amount in a segmented mode can be selected as follows: trading with a trade amount below 50 Yuan, and drawing the sum of 0.01 Yuan-10 Yuan RMB as investment money per transaction; trading with a trade amount of 50-500 Yuan, and drawing a quota of 0.01-10% of the trade amount as an investment for each trade; for transactions with transaction amount over 500, the amount of 0.001% -10% of transaction amount is extracted as investment money according to each transaction, and each selection mode can be designed into different grades or proportions for further selection of buyer investment members and seller investment members during registration or transaction.
The investment mode management module enables the buyer investment member and the seller investment member to modify a selection mode of extracting partial sum from the transaction amount as investment money after registration, part of sum can be extracted from the transaction amount of each transaction as investment money in each registered transaction according to the selection mode during registration, a mode of extracting part of transaction sum from the transaction amount as investment money can be automatically reselected in the transaction, no investment can be selected in some transactions, and part of transaction sum is not extracted from the transaction amount as investment money.
The investment account module is used for managing the investment amount generated by the buyer investment member and the seller investment member after selecting the investment mode and the amount generated after the investment project is profitable.
Preferably, the financing project submitting module is used for submitting the financing project to the financing project submitting module through the financing workstation node for the financing person or the financing unit.
And the financing project auditing module is used for auditing financing projects submitted by financers or financing units.
The financing information storage module is used for storing information of financing items passing the examination for the buyer investment member and the seller investment member to check.
The financing item determination module is used for selecting items meeting the requirements of both investment and financing parties on a investment network platform for investment after the investment money on the investment accounts of the buyer investment member and the seller investment member reaches 1-1000 RMB. The two parties sign an item investment financing contract, then transfer investment money from an investment account of a buyer or a seller to an account of a financing party, the financing party pays service fees to an investment financing network platform according to a financing proportion or the like, and financing items of investment members of the seller are sources of important financing items of the investment financing network platform.
The financing item management module is used for disclosing the operation management information of the financing party and feeding back the information to the buyer investment member or the seller investment member, so that the buyer investment member or the seller investment member can know the operation conditions of the financing party and the financing item and can receive the supervision of the investor.
The financing profit sharing management module is used for managing profit sharing of the financing project, profit sharing of project investment is divided into two parts, 80% -99% of investment sharing is transferred to a buyer investment account or a seller investment account, and 1% -20% of investment sharing is transferred to a financing network platform to be used as service charge of the financing network platform.
Preferably, the blockchain module comprises a bank node, a financing workstation node, a blockchain network and a buyer and seller node.
Preferably, the system further comprises an investment quit module, after the buyer investment member and the seller investment member register for 1-180 days or select the investment transaction in 1-100 single transaction or have 1-1000 RMB investment money in the investment account, the investment quit module can select to quit the investment member or select to transfer the investment money of the investment account, the investment member information is input, and the investment money of the investment member is transferred from the investment account to the investor.
Preferably, the system further comprises an investment benefit module, after the buying and selling investment members select the investment mode, the buying and selling trading network platform can choose or not choose to offer the investment members by awarding or reducing platform service charges of the buying and selling investment members, and the selling trading network platform awards or offers the investment members, part of the investment money allocated to the investment members is transferred to the buying and selling trading network platform, or the investment members are transferred to the buying and selling trading network platform without transferring to the buying and selling trading network platform as the awards when the investment members select to quit the investment members or select to transfer the investment money of the investment account.
The block chain-based network transaction method for investment by using payment collection comprises the following steps:
s1, a seller or a buyer registers to become a buyer investment member or a seller investment member through a buyer and seller node information registration module;
and S2, selecting an investment mode by the buyer investment member or the seller investment member through the investment mode selection module, and then storing and recording the registration information and the investment mode information of the buyer investment member or the seller investment member by the data storage module.
And S3, the data analysis module reads the registration information of the buyer and seller investment members and selects a mode of drawing the investment money, calculates the investment money drawn by the buyer and seller investment members from the transaction, and then transfers the investment money to the investment account module of the buyer and seller investment members after the transaction is finished.
And S4, after the buyer and seller investment members finish a certain transaction amount or the buyer and seller investment members finish a certain transaction amount, selecting to quit the investment members or transfer the investment money of the investment account, inputting the information of the investment members, and transferring the investment money from the investment account to the investment members.
And S5, submitting financing items to a financing item submission module of the financing network platform by the financing investment workstation node, and storing the financing items into a financing information storage module after the financing items are approved by the financing item auditing module for being consulted by buyer investment members and seller investment members.
S6, after the amount of the investment account of the buyer and seller investment members reaches a certain amount, the buyer and seller investment members can select financing items meeting the requirements of an investor and a financing party to invest on the financing network platform through a financing item determination module, the two parties sign an item investment and financing contract, then investment money is transferred from the investment account of the buyer or seller to an account of the financing party, the financing party pays service fees to the financing network platform according to a financing proportion of 2%, and data of the investor, the financing party, the financing items, the investor account and the financing party account are stored in a financing information storage module of the financing network platform.
And S7, the financing party discloses the operation management information through the financing project management module and feeds the operation management information back to the buyer and seller investment members, so that the buyer and seller investment members can know the operation conditions of the financing party and the financing project and receive the supervision of the investor.
And S8, after the project of the buyer and the seller investment member investment is expired, the data analysis module reads the investment member information and the financing project information and calculates the profit sharing of the buyer and the seller investment member.
And S9, the financing profit sharing management module distributes the profit sharing of the buyer and seller investment members according to the proportion, 95% of investment sharing is transferred to the buyer and seller investment account, and 5% of investment sharing is transferred to the financing network platform.
(III) advantageous effects
The invention provides a block chain-based network transaction method and a network transaction platform system for investment by using collected and paid money. The method has the following beneficial effects:
1. the investment fund of the technology is derived from partial share of the transaction amount of the investment member, and the life and the operation of the investment member are not influenced by continuously accumulating post-selection investment rather than investing by using the deposit of the investment member; investment members search investment projects for investment through the investment and financing network platform of the technology. The method provides an independent investment opportunity and an investment platform which have the opportunity, capability and capital investment and financing for the whole people, so that the whole people can know the knowledge of investment and financing and know the income and risk of investment and financing, the concept and capability of investment and financing of the whole people are improved, the investment is as convenient as online shopping, the limitation of time and place is avoided, and the investment and the online shopping become a part of the life of the whole people.
2. The financing party and the financing project of the technology mainly belong to the individual households, small and micro enterprises and medium and small enterprises which are innovated by the people, the investment amount and the financing amount are both small, and the capital support is mainly provided for the innovation of the people and the people through the investment of the people.
3. The financing party and the financing project of the technology are mainly individual households, small and micro enterprises and medium and small enterprises which are innovated by the general public, the financing party and the financing project are simple and easy to understand and master, and the financing management condition of the financing party can be known through qualification data provided by the financing party, bank flow and an internet credit investigation system or a entrusted third party.
4. The technology requires that a financing party is registered as a member of the buying and selling transaction network platform of the technology, the product or service of the financing party is sold and promoted on the buying and selling transaction network platform of the technology, and the investment member can directly know the quality and marketing condition of the product or service of the financing party through the buying and selling transaction network platform of the technology; the financing project of the financing party is required to be registered to the investment and financing network platform of the technology, so that the investment member can directly know the information and the operation condition of the financing party and the financing project, a relatively perfect supervision and evaluation system can be favorably established, the transparency of investment and financing is improved, the investment and financing can be carried out in the sun, and the investment risk is effectively avoided.
Drawings
FIG. 1 is a schematic structural view of the present invention;
FIG. 2 is a schematic view of the working process of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1-2, embodiments of the present invention provide a block chain-based network transaction method and a network transaction platform system for investing with collected funds, the system including a trading network platform, a financing network platform and a block chain module.
The network platform comprises an information registration module, a data analysis module, a data storage module, a payment and receipt management module, an investment mode selection module, an investment mode management module and an investment account module.
The investment and financing network platform is used for providing a financing platform for financers and providing investment projects for registered investment members, and comprises a financing project submission module, a financing project auditing module, a financing information storage module, a financing project determining module, a financing project management module and a financing profit sharing management module.
The block chain module comprises a payment node, a bank node, a financing workstation node, a block chain network and a buyer node, wherein the payment node is connected with the bank node.
The information registration module is connected with the data storage module and the investment mode selection module and is used for registering the buyer and the seller on the buying and selling network platform, the buyer selects to register as a common buyer member or a buyer investment member, and the seller selects to register as a common seller member or a seller investment member.
The data analysis module is used for processing transaction data and other calculation data.
The data storage module is used for storing the registration information and the investment project information of the registered users of the trading network platform.
The payment receiving management module is connected with the payment node and the investment mode management module and is used for managing the purchase payment of the common buyer member including seller collection, logistics charge and platform charge, the sale collection of the common seller member includes seller collection, logistics charge and platform charge, the purchase payment of the buyer member includes seller collection, logistics charge, partial payment for investment and platform charge, and the sale collection of the seller member includes seller collection, logistics charge, partial payment for investment and platform charge.
The investment mode selection module is connected with the investment mode management module and the investment account, so that the buyer investment member and the seller investment member can select different modes to extract partial sum from the transaction amount as investment money when the members register, and can select the limit of 0.01% -10% of each transaction amount to be extracted as the investment money; or the money of 0.01-20 Yuan RMB is extracted from each transaction as the investment; the mode of processing by the size of the transaction amount in a segmented mode can be selected as follows: trading with a trade amount below 50 Yuan, and drawing the sum of 0.01 Yuan-10 Yuan RMB as investment money per transaction; trading with a trade amount of 50-500 Yuan, and drawing a quota of 0.01-10% of the trade amount as an investment for each trade; for transactions with transaction amount over 500, the amount of 0.001% -10% of transaction amount is extracted as investment money according to each transaction, and each selection mode can be designed into different grades or proportions for further selection of buyer investment members and seller investment members during registration or transaction.
The investment mode management module is connected with the investment mode selection module and the investment account module, so that the buyer investment member and the seller investment member can modify a selection mode of extracting part of money from the transaction amount as investment money after registration, part of money can be extracted from the transaction amount of each transaction as investment money in each registered transaction according to the selection mode during registration, a mode of extracting part of the transaction amount from the transaction amount as investment money can be automatically reselected in the transaction, no investment can be selected in some transactions, and part of the transaction amount is not extracted from the transaction amount as investment money.
The investment account module is connected with the investment quitting module and the financing item determining module, and the financing profit sharing management module is used for managing the investment money generated by the buyer investment member and the seller investment member after the investment mode is selected and the money generated after the investment item is paid.
And the financing project submitting module is connected with the financing project investment workstation node and the financing project audit and is used for submitting the financing project to the financing project submitting module through the financing project investment workstation node.
The financing item auditing module is connected with the financing item submitting module and the financing information storage module and is used for auditing financing items submitted by financers or financing units and transmitting the approved items to the financing information storage module.
The financing information storage module is used for storing information of the financing items passing the examination for the buyer investment member and the seller investment member to check.
The financing item determination module is connected with the investment and financing network platform and has the function that after the investment money on the investment accounts of the buyer investment member and the seller investment member reaches 1-1000 yuan, items meeting the requirements of both investment and financing parties can be selected on the investment and financing network platform for investment. The two parties sign an item investment financing contract, then transfer investment money from an investment account of a buyer or a seller to an account of a financing party, the financing party pays service fees to an investment financing network platform according to a financing proportion or the like, and financing items of investment members of the seller are sources of important financing items of the investment financing network platform.
The financing item management module is connected with the financing item determination module and is used for disclosing the operation management information of the financing party and feeding back the information to the buyer investment member or the seller investment member so that the buyer investment member or the seller investment member can know the operation conditions of the financing party and the financing item and can receive the supervision of the financing party.
The financing profit sharing management module is connected with the buying and selling network platform and the investment account module and is used for managing profit sharing of the financing project, profit sharing of project investment is divided into two parts, 80% -99% of investment sharing is transferred to a buyer investment account or a seller investment account, and 1% -20% of investment sharing is transferred to the financing network platform and is used as service charge of the financing network platform.
The system also comprises an investment quit module which is connected with the investment account module and the bank node, after the buyer investment member and the seller investment member register for 1-180 days, or select the investment transaction in 1-100 single transaction, or have 1-1000 RMB investment money in the investment account, the buyer investment member can select to quit the investment member or select to transfer the investment money of the investment account, the investment member information is input, and the investment money of the investment member is transferred from the investment account to the investor.
The block chain-based network transaction method for investment by using payment collection comprises the following steps:
s1, a seller or a buyer registers to become a buyer investment member or a seller investment member through a buyer and seller node information registration module;
and S2, selecting an investment mode by the buyer investment member or the seller investment member through the investment mode selection module, and then storing and recording the registration information and the investment mode information of the buyer investment member or the seller investment member by the data storage module.
And S3, the data analysis module reads the registration information of the buyer and seller investment members and selects a mode of drawing the investment money, calculates the investment money drawn by the buyer and seller investment members from the transaction, and then transfers the investment money to the investment account module of the buyer and seller investment members after the transaction is finished.
And S4, after the buyer and seller investment members finish a certain transaction amount or the buyer and seller investment members finish a certain transaction amount, selecting to quit the investment members or transfer the investment money of the investment account, inputting the information of the investment members, and transferring the investment money from the investment account to the investment members.
And S5, submitting financing items to a financing item submission module of the financing network platform by the financing investment workstation node, and storing the financing items into a financing information storage module after the financing items are approved by the financing item auditing module for being consulted by buyer investment members and seller investment members.
S6, after the amount of the investment account of the buyer and seller investment members reaches a certain amount, the buyer and seller investment members can select financing items meeting the requirements of an investor and a financing party to invest on the financing network platform through a financing item determination module, the two parties sign an item investment and financing contract, then investment money is transferred from the investment account of the buyer or seller to an account of the financing party, the financing party pays service fees to the financing network platform according to a financing proportion of 2%, and data of the investor, the financing party, the financing items, the investor account and the financing party account are stored in a financing information storage module of the financing network platform.
And S7, the financing party discloses or opens the operation management information of the financing party and the financing project through the financing project management module and feeds the operation management information back to the buyer and seller investment members, so that the buyer and seller investment members know the operation conditions of the financing party and the financing project and receive the supervision of the investor.
And S8, after the project of the buyer and the seller investment member investment is expired, the data analysis module reads the investment member information and the financing project information and calculates the profit sharing of the buyer and the seller investment member.
And S9, the financing profit sharing management module distributes the profit sharing of the buyer and seller investment members according to the proportion, 95% of investment sharing is transferred to the buyer and seller investment account, and 5% of investment sharing is transferred to the financing network platform.
The first embodiment is as follows:
s1, registering and registering a buyer a on a trading network platform, and selecting to register as a buyer investment member A; the seller B registers on the trading network platform and selects to register as a seller investment member B;
s2, the buyer investment member A selects a limit of 2% of the transaction amount of each transaction as an investment, and the seller investment member B selects a limit of 1 Yuan RMB of each transaction as an investment; and then the data storage module stores and records the registration information and the investment mode information of the buyer investment member or the seller investment member.
S3, the buyer investment member A purchases 1 unit of 100-unit commodity of RMB on the buying and selling network platform, the seller investment member B purchases 1 unit of 50-unit commodity on the buying and selling network platform, the data analysis module reads the registration information and the selection mode of the investment member, 2 units of investment money is extracted from payment of the buyer investment member A, and the 2 units of investment money is transferred to an investment account of the buyer investment member after the transaction is completed; and calculating that the seller investment member B extracts 1 yuan of investment money from the payment of the single transaction, and transferring the 1 yuan of investment money into an investment account of the seller investment member after the transaction is completed.
S4.within 30 days, the buyer investment member A purchases 1000 yuan of goods and services of the RMB on the buying and selling network platform, within 30 days, the seller investment member B sells 100 units of goods on the buying and selling network platform, the data analysis module calculates the investment money of 20 yuan of RMB accumulated in the investment account of the buyer investment member A within 30 days, and calculates the investment money of 100 yuan of RMB accumulated in the investment account of the seller investment member B within 30 days.
And S5, submitting financing items to a financing item submission module of the financing network platform by the financing investment workstation node, and storing the financing items into a financing information storage module after the financing items are approved by the financing item auditing module for being consulted by buyer investment members and seller investment members.
S6, after the investment money on the investment accounts of the buyer investment member and the seller investment member is set to reach 20 yuan and 100 yuan RMB respectively, financing items meeting the requirements of a investor and a financing party can be selected on a financing network platform for investment; the two parties sign a project investment and financing contract, then investment money is transferred from an investment account of a buyer or a seller to an account of a financing party, and the financing party pays service fees to an investment and financing network platform according to a financing proportion of 1%; the data of the investor, the financing party, the financing project, the investor account and the financing party account are stored in a storage area of the investor and financing network platform.
And S7, the financing party publicizes or discloses the operation management information of the financing party and the financing project and feeds the operation management information back to the buyer and seller investment members, so that the buyer and seller investment members can know the operation conditions of the financing party and the financing project and can be supervised by the investor.
S8, the buyer investment member A selects a financing item C with the investment amount of 10 Yuan RMB, half year, cost conservation, profit enhancement and dividend, invests 20 Yuan RMB, and the profit of the financing item C is dividend to 3% after the half year of the item; the seller investment member B selects a financing item D with the lowest investment amount of 100 Yuanren RMB, the year period and the non-guaranteed cost according to the investment score, invests the 100 Yuanren RMB, and the investment score of the financing item D is 8% after the item expires year; the data analysis module reads the investment member information and the financing item information, calculates the profit score of the investment item C of the buyer investment member A to be 0.6 yuan RMB, and calculates the profit score of the investment item D of the seller investment member B to be 8 yuan RMB.
S9, profit sharing and sharing of project investment are divided into two parts, 95% of the investment profit sharing and sharing are transferred to a buyer investment account or a seller investment account, and 5% of the investment profit sharing and sharing are transferred to a financing network platform.
Example two:
s1, registering and registering a buyer E on a trading network platform, and selecting to register as a buyer investment member E; and the seller F registers on the trading network platform and selects to register as the seller investment member F.
S2, the buyer investment member E selects 1 Yuan RMB to be extracted as the investment money per unit, the seller investment member F selects the transaction with the transaction amount below 50 Yuan, and 1 Yuan RMB is extracted as the investment money per unit transaction; trading with a trade amount of 50-500 Yuan, and drawing 1% of the trade amount as investment money for each trade; the trade amount is over 500, and each trade draws 0.5% of the trade amount as investment. The registration information of the investment member and the mode of selecting to draw the investment money are stored in the storage area of the trading network platform.
S3, the buyer investment member E purchases 1 unit of commodities on the buying and selling network platform, the seller investment member F sells 1 unit of 300 units of commodities on the buying and selling network platform, the data analysis module reads the registration information and the selection mode of the investment member, 1 unit of investment money is calculated and extracted from payment of the single transaction by the buyer investment member E, and the 1 unit of investment money is transferred to an investment account of the buyer investment member after the transaction is completed; and calculating that the seller investment member F draws 3 yuan of investment money from the payment of the single transaction, and transferring the 3 yuan of investment money into an investment account of the seller investment member after the transaction is completed. The buying and selling network platform is distributed to investment members according to the proportion of 1% of investment cost;
s4.3 months later, the buyer investment member E purchases 50 commodities and services on the buying and selling network platform, within 3 months, the seller investment member F sells commodities with the price of less than 100 units and 50 yuan and commodities with the total price of 10000 yuan between 50 and 500 yuan on the buying and selling network platform, 10 unit of commodity with the total price of 20000 yuan above 500 yuan, calculating the investment money of 50 yuan RMB accumulated in the investment account of the buyer investment member E, the investment money of 300 yuan RMB accumulated in the investment account of the seller investment member F by a data analysis module, and adding 0.5 yuan of the buyer investment member E and 3 yuan of the seller investment member F which are contributed by the buying and selling transaction network platform according to the proportion of 1% of the investment money, wherein the investment money of 50.5 yuan RMB is accumulated in the investment account of the buyer investment member E, and the investment money of 303 yuan RMB is accumulated in the investment account of the seller investment member F.
And S5, after the investment accounts of the buyer investment member and the seller investment member have more than 20 yuan of investment money or 10-unit investment transaction, applying for withdrawing the investment members or transferring the investment money of the investment accounts, inputting the information of the investment members, and transferring the investment money from the investment accounts to the investment members. The buyer investment member E applies for quitting the investment member, registration information of the buyer investment member E is input, investment money is transferred to the buyer investment member E from an investment account of the buyer investment member E, and partial investment money which is offered or allocated to the investment member by the trading transaction network platform is transferred to the trading transaction network platform.
And S5, submitting financing items to a financing item submission module of the financing network platform by the financing investment workstation node, and storing the financing items into a financing information storage module after the financing items are approved by the financing item auditing module for being consulted by buyer investment members and seller investment members.
S7, after the investment money on the investment accounts of the buyer investment member and the seller investment member is set to reach 50 yuan and 200 yuan, financing items meeting the requirements of a sponsor and a financing party can be selected on a financing network platform for investment, the two parties sign an item financing contract, then the investment money is transferred from the investment account of the buyer or the seller to the financing party account, and the financing party collects 1 yuan of service fee according to each investment financing network platform and pays service fee to the financing network platform. Information data of the investor, the financing party, the financing project, the investor account and the financing party account are stored in a storage area of the investor and financing network platform.
And S8, the financing party publicizes or discloses the operation management information of the financing party and the financing project and feeds the operation management information back to the buyer and seller investment members, so that the buyer and seller investment members can know the operation conditions of the financing party and the financing project and can be supervised by the investor.
S9, the seller investment member F selects a financing item G with the lowest investment amount of 300 yuan RMB and the capital-conserving three-year investment bonus, invests 303 yuan RMB, the investment bonus of the financing item G in the first year of the item is 5%, the investment bonus in the second year is 8%, the investment bonus in the third year is 10%, the data analysis module reads the investment member information and the financing item information, and the profit bonus obtained in the three years of the investment item G of the seller investment member F is calculated to be 69.69 yuan RMB.
S10, profit sharing and sharing of project investment are divided into two parts, 97% of the investment profit sharing and sharing are transferred to a buyer investment account or a seller investment account, and 3% of the investment profit sharing and sharing are transferred to a financing network platform.
Example three:
s1, registering and registering a buyer H on a trading network platform, and selecting the registration as a buyer investment member H; the seller L registers on the trading network platform, and selects to register as the seller investment member L.
S2, the buyer investment member H selects the transaction with the transaction amount below 50 Yuan, and 2 Yuan RMB is extracted as the investment money in each transaction; trading with a trade amount of 50-200 Yuan, and extracting 2% of the trade amount as investment money from each trade; the trade amount is more than 200, and each trade draws 1% of the trade amount as investment. The seller investment member L selects a line of 1% of the transaction amount per one drawing as the investment money. The registration information of the investment member and the mode of selecting to draw the investment money are stored in the storage area of the trading network platform.
S3, the buyer investment member H purchases 1 unit of 100 units of commodities on the buying and selling network platform in an online manner, the seller investment member L sells 1 unit of 100 units of commodities on the buying and selling network platform, the data analysis module reads the registration information of the investment member and selects a mode of drawing investment money, 2 units of investment money is calculated and drawn by the buyer investment member H from payment of the single transaction, and the 2 units of investment money is transferred to an investment account of the buyer investment member after the transaction is completed; and calculating that the seller investment member L draws 1.5 yuan of investment from the payment of the single transaction, and transferring the 1.5 yuan of investment into the investment account of the seller investment member after the transaction is completed.
S4.6, in the month, the buyer investment member H purchases 80 units of commodities and services on the buying and selling network platform, 50 units of commodities and services below 50 Yuan are purchased, 40 units of investment are selected, 10 units of investment are not selected, the total price of 20 units of 50-200 units of commodities and services is 2000 Yuan, the total price of 10 units of commodities and services above 200 Yuan is 3000 Yuan, and the investment money of 160 Yuan RMB is accumulated in the investment account of the buyer investment member H through data analysis module calculation; the seller investment member L sells 900 units of total price of the goods and the services 180000 yuan on the buying and selling network platform, wherein the selling amount of 30000 yuan does not select investment, and the data analysis module calculates that the investment money of 1500 yuan is accumulated in the investment account of the seller investment member L.
And S5, after the investment accounts of the buyer investment member and the seller investment member have more than 20 yuan of investment money or 10-unit investment transaction, selecting to quit the investment members or transfer the investment money of the investment accounts, inputting the information of the investment members, and transferring the investment money from the investment accounts to the investment members. The seller investment member L selects 500 yuan of investment money to be transferred from the investment account, registration information of the seller investment member L is input, 500 yuan of investment money is transferred from the investment account of the seller investment member L to the seller investment member L, and 1000 yuan of currency remains in the investment money on the investment account of the seller investment member L.
And S6, submitting financing items to a financing item submission module of the financing network platform by the financing investment workstation node, and storing the financing items into a financing information storage module after the financing items are approved by the financing item auditing module for being consulted by buyer investment members and seller investment members.
And S7, after the investment money on the investment accounts of the buyer investment member and the seller investment member is set to reach 50 yuan and 200 yuan RMB respectively, selecting financing items meeting the requirements of a investor and a financing party on a financing network platform for investment. The two parties sign a project investment and financing contract, then investment money is transferred from an investment account of a buyer or a seller to an account of a financing party, and the financing party pays service fees to the investment and financing network platform according to a financing proportion of 2%. The data of the investor, the financing party, the financing project, the investor account and the financing party account are stored in a storage area of the investor and financing network platform.
And S8, the financing party publicizes or discloses the operation management information of the financing party and the financing project and feeds the operation management information back to the buyer and seller investment members, so that the buyer and seller investment members can know the operation conditions of the financing party and the financing project and can be supervised by the investor.
S9, the buyer investment member H selects a financing item M with a minimum investment amount of 150 RMB, a year period and a non-guaranteed cost according to investment bonus, invests 160 RMB, and the investment bonus of the financing item M is 6% after the item expires in one year. The data analysis module reads the investment member information and the financing item information and calculates that the profit sharing of the buyer investment member H investment item M is 9.6 yuan. The seller investment member L selects a financing item N with the lowest investment amount of 1000 yuan RMB and the third year investment bonus of the non-warranty, invests 1000 yuan RMB, the investment bonus of the financing item N of the first year of the item is 8%, the investment bonus of the second year is 3%, the investment bonus of the third year is-5%, the data analysis module reads the investment member information and the financing item information, and the profit bonus of the investment item N of the seller investment member L in the third year is calculated to be 60 yuan RMB.
S10, profit sharing and sharing of project investment are divided into two parts, 99% of the investment profit sharing and sharing are transferred to a buyer investment account or a seller investment account, and 1% of the investment profit sharing and sharing are transferred to a financing network platform.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.

Claims (9)

1. The block chain-based network transaction platform system for investment by collecting and paying money is characterized in that: the system comprises a trading network platform, a financing network platform and a block chain module.
2. The block chain based network transaction method and network transaction platform system for making investment with reimbursement as claimed in claim 1, wherein: the buying and selling network platform is an internet shopping network platform consisting of a buyer and a seller, a network service platform and a network platform combining a network and an entity, and comprises an information registration module, a data analysis module, a data storage module, a payment and receipt management module, an investment mode selection module, an investment mode management module and an investment account module.
3. The block chain based network transaction method and network transaction platform system for making investment with reimbursement as claimed in claim 1, wherein: the investment and financing network platform is used for providing a financing platform for financers and providing investment projects for registered investment members, and comprises a financing project submission module, a financing project auditing module, a financing information storage module, a financing project determining module, a financing project management module and a financing profit sharing management module.
4. The block chain based network transaction method and network transaction platform system for making investment with reimbursement as claimed in claim 1, wherein: the block chain module comprises a payment node, a bank node, a financing workstation node, a block chain network and a buyer node, wherein the payment node is connected with the bank node.
5. The block chain based network transaction method and network transaction platform system for making investment with reimbursement as claimed in claim 2, wherein: the information registration module is connected with the data storage module and the investment mode selection module and is used for registering the buyer and the seller on the buying and selling network platform, the buyer selects to register as a common buyer member or a buyer investment member, and the seller selects to register as a common seller member or a seller investment member.
The data analysis module is used for processing transaction data and other calculation data.
The data storage module is used for storing the registration information and the investment project information of the registered users of the trading network platform.
The payment receiving management module is connected with the payment node and the investment mode management module and is used for managing the purchase payment of the common buyer member including seller collection, logistics charge and platform charge, the sale collection of the common seller member includes seller collection, logistics charge and platform charge, the purchase payment of the buyer member includes seller collection, logistics charge, partial payment and platform charge for investment, and the sale collection of the seller member includes seller collection, logistics charge, partial income charge for investment and platform charge.
The investment mode selection module is connected with the investment mode management module and the investment account, so that the buyer investment member and the seller investment member can select different modes to extract partial sum from the transaction amount as investment money when the members register, and can select the limit of 0.01% -10% of each transaction amount to be extracted as the investment money; or the money of 0.01-20 Yuan RMB is extracted from each transaction as the investment; the mode of processing by the size of the transaction amount in a segmented mode can be selected as follows: trading with a trade amount below 50 Yuan, and drawing the sum of 0.01 Yuan-10 Yuan RMB as investment money per transaction; trading with a trade amount of 50-500 Yuan, and drawing a quota of 0.01% -10% of the trade amount as an investment money for each trade; for transactions with transaction amount over 500, the amount of 0.001% -10% of transaction amount is extracted as investment money according to each transaction, and each selection mode can be designed into different grades or proportions for further selection of buyer investment members and seller investment members during registration or transaction.
The investment mode management module is connected with the investment mode selection module and the investment account module, so that the buyer investment member and the seller investment member can modify a selection mode of extracting part of money from the transaction amount as investment money after registration, part of money can be extracted from the transaction amount of each transaction as investment money in each registered transaction according to the selection mode during registration, a mode of extracting part of the transaction amount from the transaction amount as investment money can be automatically reselected in the transaction, no investment can be selected in some transactions, and part of the transaction amount is not extracted from the transaction amount as investment money.
The investment account module is connected with the investment quitting module and the financing item determining module, and the financing profit and dividend management module is used for managing the investment amount generated by the buyer investment member and the seller investment member after selecting the investment mode and the amount generated after the investment item is profitable.
6. The blockchain-based network trading method and network trading platform system for investing with a collected fund according to claim 3, wherein: and the financing project submitting module is connected with the financing project investment workstation node and the financing project audit and is used for submitting the financing project to the financing project submitting module through the financing project investment workstation node.
The financing item auditing module is connected with the financing item submitting module and the financing information storage module and is used for auditing financing items submitted by financers or financing units and transmitting the items which pass the auditing to the financing information storage module.
The financing information storage module is used for storing information of financing items passing the examination for the buyer investment member and the seller investment member to consult.
The financing item determination module is connected with the investment and financing network platform and has the function that after the investment money on the investment accounts of the buyer investment member and the seller investment member reaches 1-1000 yuan, items meeting the requirements of both investment and financing parties can be selected on the investment and financing network platform for investment. The two parties sign an item investment financing contract, then transfer investment money from an investment account of a buyer or a seller to an account of a financing party, the financing party pays service fees to an investment financing network platform according to a financing proportion or the like, and financing items of investment members of the seller are sources of important financing items of the investment financing network platform.
The financing item management module is connected with the financing item determination module and is used for disclosing the operation and management information of the financing party and feeding back the information to the buyer investment member or the seller investment member so that the buyer investment member or the seller investment member can know the operation conditions of the financing party and the financing item and can receive the supervision of the financing party.
The financing profit sharing management module is connected with the buying and selling network platform and the investment account module and is used for managing profit sharing of the financing project, profit sharing of project investment is divided into two parts, 80% -99% of investment sharing is transferred to a buyer investment account or a seller investment account, and 1% -20% of investment sharing is transferred to the financing network platform and is used as service charge of the financing network platform.
7. The block chain based network transaction method and network transaction platform system for making investment with reimbursement as claimed in claims 1-6, wherein: the system also comprises an investment quit module which is connected with the investment account module and the bank node, after the buyer investment member and the seller investment member register for 1-180 days or select the investment transaction in 1-100 single transaction or have 1-1000 RMB investment money in the investment account, the buyer investment member can select to quit the investment member or select to transfer the investment money of the investment account, the investment member information is input, and the investment money of the investment member is transferred from the investment account to the investor.
8. The block chain based network transaction method and network transaction platform system for making investment with reimbursement according to claims 1-7, wherein: the system also comprises an investment welfare module, wherein the investment welfare module is connected with the investment mode selection module and the investment withdrawal module, after the buying and selling investment members select the investment modes, the buying and selling transaction network platform can choose or not choose to offer the investment members by rewarding or reducing platform service charges of the buying and selling investment members, and allocate the profit to the investment members, and when the investment members select to withdraw the investment members or choose to transfer the investment money of the investment accounts, the buying and selling transaction network platform rewards or offers the profit, and part of the investment money allocated to the investment members is transferred to the buying and selling transaction network platform, or is not transferred to the buying and selling transaction network platform and transferred to the investment members as the reward.
9. The block chain-based network transaction method for investment by using payment collection is characterized in that: the method comprises the following steps:
s1, a seller or a buyer registers to become a buyer investment member or a seller investment member through a buyer and seller node information registration module;
and S2, selecting an investment mode by the buyer investment member or the seller investment member through the investment mode selection module, and then storing and recording the registration information and the investment mode information of the buyer investment member or the seller investment member by the data storage module.
And S3, the data analysis module reads the registration information of the buyer and seller investment members and selects a mode of drawing the investment money, calculates the investment money drawn by the buyer and seller investment members from the transaction, and then transfers the investment money to the investment account module of the buyer and seller investment members after the transaction is finished.
And S4, after the buyer and seller investment members finish a certain transaction amount or the buyer and seller investment members finish a certain transaction amount, selecting to quit the investment members or transfer the investment money of the investment account, inputting the information of the investment members, and transferring the investment money from the investment account to the investment members.
And S5, submitting financing items to a financing item submission module of the financing network platform by the financing investment workstation node, and storing the financing items into a financing information storage module after the financing items are approved by the financing item auditing module for being consulted by buyer investment members and seller investment members.
S6, after the amount of the investment account of the buyer and seller investment members reaches a certain amount, the buyer and seller investment members can select financing items meeting the requirements of an investor and a financing party to invest on the financing network platform through a financing item determination module, the two parties sign an item investment and financing contract, then investment money is transferred from the investment account of the buyer or seller to an account of the financing party, the financing party pays service fees to the financing network platform according to a financing proportion of 2%, and data of the investor, the financing party, the financing items, the investor account and the financing party account are stored in a financing information storage module of the financing network platform.
And S7, the financing party discloses the operation management information through the financing project management module and feeds the operation management information back to the buyer and seller investment members, so that the buyer and seller investment members can know the operation conditions of the financing party and the financing project and receive the supervision of the investor.
And S8, after the project of the buyer and the seller investment member investment is expired, the data analysis module reads the investment member information and the financing project information and calculates the profit sharing of the buyer and the seller investment member.
And S9, the financing profit sharing management module distributes the profit sharing of the buyer and seller investment members according to the proportion, 95% of investment sharing is transferred to the buyer and seller investment account, and 5% of investment sharing is transferred to the financing network platform.
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