CN112990898B - Online commodity selling method based on credit and debt - Google Patents
Online commodity selling method based on credit and debt Download PDFInfo
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- CN112990898B CN112990898B CN202110531239.1A CN202110531239A CN112990898B CN 112990898 B CN112990898 B CN 112990898B CN 202110531239 A CN202110531239 A CN 202110531239A CN 112990898 B CN112990898 B CN 112990898B
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Abstract
An on-line commodity selling method based on credit and debt belongs to the technical field of electronic commerce. The method is applied to a sales platform and comprises the steps of S01, receiving a commodity purchase request, analyzing the commodity purchase request, and obtaining commodity information, seller information and commodity settlement currency information; the commodity settlement currency information comprises electronic virtual currency information and circulation currency electronic information; step S02, verifying whether the seller is a debtor, if yes, executing step S03, and if no, charging the electronic virtual currency information of commodity settlement into the account of the seller; step S03, acquiring debtor information related to the debtor and the debt amount of the debtor, judging whether the debt amount is cleared, if yes, charging the electronic virtual currency information of commodity settlement into the seller account, and if not, charging the electronic virtual currency information of commodity settlement into the debtor account; wherein the electronic information of the currency of the commodity settlement is added to the account of the seller. The invention solves the problems of low efficiency, unreliability and insecurity of offline or manual supervision.
Description
Technical Field
The invention relates to the technical field of electronic commerce, in particular to an online commodity selling method based on creditor and debt.
Background
Liability issues severely impact the flow of funds. The debtor is left with backlogged goods without sufficient funds to pay back the debtor debt. If the debtor debts by things, the creditor will not accept the repayment method because the cash value of the backlogged goods is much lower than the debt amount. Even if accepted, the debtor still needs to pay the remaining debt amount and the debt problem cannot be solved completely. For the debtors, only a part of the debt repayment pressure is relieved, but without funds and commodities, the opportunity of fund refund is avoided, and the process of continuously repaying the remaining debt amount becomes harder. For the creditor, the creditor fails to collect the debt and the received goods need to be changed. If the cash value of the commodity is reduced all the time in the cash change process, the loss of the creditor is immeasurable, the financial loss of the creditor is huge, and the fund flow capacity of the creditor is further weakened. For this reason, a solution to the debt problem is required which can improve the repayment ability of the debtor and reduce the capital risk of the creditor. The existing credit and debt monitoring still stays in an off-line manual supervision execution link, so that debt repayment of debtors (including the repayment progress and the repayment execution force of the debtors) cannot be reliably supervised in real time in the supervision process, and finally, even if judicial intervention is carried out, debt cannot be recuperated.
The invention application CN201810627490.6 discloses a debt transformation method based on an O2O platform, and specifically discloses a method comprising the following steps: 1) the creditor transfers the creditor to the platform, the platform multiplies the creditor amount by a specific conversion ratio, amplifies the creditor and then charges the creditor as a creditor value into the membership card to be sent to the creditor; 2) the creditor holds the membership card to buy commodities in the online or offline store of the platform, the payment sum of the creditor is equal to the incoming price of the commodities, and the difference value between the retail price and the incoming price of the commodities is deducted from the debt value of the membership card. 3) The creditor recovers the debt funds by consuming the saved amount, the platform obtains the debt rights, and the creditor finds the debt funds required by the platform channel. The method only solves the problem of debt from the perspective of the creditor, and does not consider the problem of difficulty in paying the debt by the creditor. The method solves the defects of the prior art through a platform, the original creditor transfers the creditor to the platform, and the platform provides a consumption platform for the creditor to recover the debt funds. The platform cannot monitor the debt repayment data information of the debtors in real time, and the platform is used as a new debtor and needs to conduct debt investigation offline.
The invention patent application CN201110223065.9 discloses a method for realizing electronization of debt and debt financial commercialization, and specifically discloses a method for solving the contradiction between traditional debt and debt, increasing the credit degree of the debt and debt, and converting the debt right into a financial commodity which can be traded, the method comprises the following steps: (1) the method comprises the steps of (1) an electronic debt recording step, recording all records of the whole processes of generation, change and extinction of the electronic debt, (2) an electronic debt auditing step, auditing whether submitted money debts and non-money debts are legal, (3) an abnormal debt inspection step, monitoring whether illegal behaviors such as money washing and the like exist by utilizing a system or not, and inspecting debt chain problems, (4) a debt multi-angle debt (debt chain) inspection step, monitoring a debt chain state, and (5) an electronic debt right transaction step, wherein the debt right is divided, transferred and transaction is realized. The invention only solves the problem of debt from the perspective of the creditor, and does not consider the problem that the debtor is difficult to pay back the debt. The invention solves the contradiction between the credit and the debt by transferring and dividing the credit, mainly realizes the electronic credit transaction by an electronic recording mode, fails to monitor the data information of the debt repayment of a debtor in real time, and fails to automatically monitor the debt repayment of the debtor to the debtor.
Disclosure of Invention
The invention provides an online commodity selling method based on the creditor and the debtor, aiming at the problems in the prior art, which can monitor the information of the creditor and the debtor in real time, automatically monitor the debtor and the debtor, ensure the real-time progress of the debtor and the debtor payment and ensure the safe, reliable and favorable execution of the debtor and the debtor.
The invention is realized by the following technical scheme:
an online commodity selling method based on creditor and debt is applied to a selling platform, and comprises the following steps:
step S01, receiving the commodity purchase request, analyzing the commodity purchase request, and obtaining the commodity information, the seller information and the commodity settlement currency information; the commodity settlement currency information comprises electronic virtual currency information and currency electronic information;
step S02, verifying whether the seller is a debtor, if yes, executing step S03, and if no, adding the electronic virtual currency information of commodity settlement into the seller account in the seller information;
step S03, acquiring debtor information related to the debtor and the debtor credit of the debtor, judging whether the debt credit is cleared, if yes, adding the electronic virtual currency information of commodity settlement into a seller account in the seller information, and if not, adding the electronic virtual currency information of commodity settlement into the debtor account in the debtor information;
wherein the electronic information of the currency of the commodity settlement is added to the account of the seller.
The method is executed by an online sales platform end, and the debt repayment process of a seller as a debtor is acquired by monitoring a real-time commodity purchase request, so that the debtor repayment condition is monitored in real time. When the debtor finishes the sales order, the debt repayment condition of the debtor can be monitored in real time, and part of commodity settlement money obtained by the sales order is automatically returned to the account of the debtor.
If the method is executed by an offline third party organization, the following problems exist: 1. off-line third party institutions cannot monitor in real time, and especially cannot timely monitor sales orders and accurately check debt credit lines and execute different repayment standards when there are many debt and debt relationships. Even if the monitoring, checking and repayment of the debt amount can be achieved, the method is very labor-consuming, financial and inefficient. 2. An offline third-party organization cannot necessarily provide a platform for debtors to sell commodities, and the debt commodities of each debtor have diversity and are difficult to sell commodities listed in a store; if the debtor sells by himself and then partial selling amount is paid to the off-line third-party mechanism, the problem that the debtor does not perform exists, the problem that the reliability of debtor debt repayment monitoring is high exists, the off-line third-party mechanism needs to spend more time, financial resources and monitoring the debtor debt repayment condition, and the efficiency is low and unreliable; if the offline third-party organization cooperates with the e-commerce platform to provide a diversified sales platform for the debtors, the multi-party benefit division problem exists, data information exchange channels of the debtors, the offline third-party organization and other e-commerce platforms need to be constructed, and effective real-time monitoring can be achieved. But this requires the e-commerce platform to develop new functional modules to interface and also presents data security issues.
The method disclosed by the invention is completely completed by an online sales platform. All the creditor and debt information is changed into digital information which is monitored by the sales platform in real time. The sales platform can carry out digital real-time supervision on a plurality of and tens of thousands of creditability and debt relations, solves the problems of low efficiency and labor and financial resources for off-line supervision, does not have intervention of multi-party mechanisms, and provides a debt solution with high safety and high reliability.
The invention carries out condition-based processing on the transaction occurring on the sale platform. That is, normal transactions are performed for sellers who do not have a liability issue, and transactions based on liability and liability are performed for sellers who have a liability issue (i.e., debtors in this case). The invention takes the sales platform as a third-party platform to intervene in the process of 'deduction by things'. The invention 'compensates debt with things' instead of directly compensating the creditor with the goods of the creditor. On one hand, the sale platform provides an e-commerce platform for the debtor to start shop, the debtor can put commodities in hands on line for sale, and commodity settlement currency enters the account of the creditor as repayment amount; on the other hand, the sales platform provides debt repayment supervision service, namely once the debtor has successful commodity sales, commodity settlement money can be immediately input into the account of the debtor, continuous repayment of the debtor can be ensured, and the fund risk of the debtor is reduced.
In addition, the commodity settlement money provided by the sales platform includes electronic virtual money and circulation money. Therefore, the seller account, the debtor account and the creditor account all contain electronic virtual money, the E-commerce transaction development on the sales platform can be promoted, and the online fund flow is improved. For the seller, the seller account has both electronic virtual currency and currency. The seller can use the electronic virtual currency to carry out other e-commerce transactions, and uses the circulating currency to collect cash flow, thereby facilitating the off-line re-purchase and the cash withdrawal. Especially for the debtors, the debtors pay debts by using electronic virtual money, and enter or make other investments by using circulating money, so that the problem of difficult fund flow of the debtors can be relieved to a certain extent.
Preferably, the step of verifying whether the seller is a debtor specifically comprises:
inquiring the creditor and debt associated information stored in the sales platform according to the commodity information, and acquiring debtor information;
and verifying whether the seller is the same as the debtor, if so, determining that the seller is the debtor, otherwise, determining that the seller is not the debtor.
Preferably, the verifying whether the seller and the debtor are the same is performed by verifying whether a user ID in the seller information and a user ID in the debtor information are the same, or by verifying whether a mobile terminal number in the seller information and a mobile terminal number in the debtor information are the same, or by verifying whether an identity card number in the seller information and an identity card number in the debtor information are the same.
Preferably, the step S03 specifically includes:
step S31, according to the commodity information, inquiring the creditor and debt related information stored in the sales platform, and obtaining the creditor information related to the debtor and the debtor credit limit;
step S32, judging whether the difference between the debt amount and the electronic virtual currency information of the historical commodity settlement is larger than 0, if so, judging that the debt amount is not cleared, executing step S33, if not, judging that the debt amount is cleared, and then, accounting the electronic virtual currency information of the commodity settlement into the seller account;
step S33, judging whether the difference between the debt amount and the electronic virtual currency information of the historical commodity settlement is less than or equal to the electronic virtual currency information of the current commodity settlement, if so, then charging part of the electronic virtual currency information of the current commodity settlement into the creditor account, and charging the rest of the electronic virtual currency information of the current commodity settlement into the seller account; wherein, the part of the electronic virtual currency information of the current commodity settlement in the creditor account is the difference between the debt amount and the electronic virtual currency information of the historical commodity settlement; and if not, the electronic virtual currency information of commodity settlement is added into the creditor account.
Preferably, the step S03 further includes clearing the current debt and debt related information of the debt and the debt stored in the sales platform when it is determined that the debt line is cleared.
Preferably, the method further comprises: step S00, receiving a user registration request and debt information, wherein the debt information comprises the identity information of the creditable and the debt, commodity information and the debt amount; and based on the commodity information, associating the debtor with the creditor and storing the creditor and creditor association information in the sales platform, and determining the credit line paid by the debtor to the creditor on the sales platform.
Preferably, the step S00 further includes receiving the debt certification file information, and verifying the debt information based on the debt certification file information when the debt information is received.
Preferably, the step S00 further includes creating an electronic signature of the creditor and an electronic signature of the creditor after the checking of the debt information; thereafter, the creditee and the creditor are associated and the creditor-creditee associated information is stored in the sales platform based on the commodity information.
Preferably, the debt amount paid by the debtor to the creditor on the sales platform is electronic virtual money information determined based on the debt amount in the debt information.
Preferably, the step of adding the electronic information on the money to be distributed for the commodity settlement to the seller' S account is executed after the commodity settlement money information is obtained and before step S02; alternatively, the first and second electrodes may be,
the step of adding the electronic information of the currency of the commodity settlement into the account of the seller is executed synchronously with the step of adding the electronic virtual currency information of the commodity settlement into the account of the seller when the seller is verified not to be a debtor; alternatively, the first and second electrodes may be,
the step of adding the electronic information of the currency of commodity settlement into the account of the seller is synchronously executed with the step of adding the electronic virtual currency information of commodity settlement into the account of the seller when the debtor of the selling mode is verified and the debt amount is cleared; alternatively, the first and second electrodes may be,
the step of adding the electronic information of the currency of the commodity settlement into the account of the seller is executed synchronously with the step of adding the electronic virtual currency information of the commodity settlement into the account of the creditor when the sales mode creditee is verified and the credit limit is not cleared.
The invention has the following beneficial effects:
an online commodity sale method based on the creditor and debt can monitor the information of the creditor and the debtor in real time, can automatically monitor the debtor and debt payment progress to be carried out in real time, can ensure the safe, reliable and favorable execution of the creditor and the debt, and solves the problems of low efficiency, unreliability and insecurity of offline or manual supervision.
Drawings
Fig. 1 is a general flowchart of an online commodity selling method based on the right and debt of the present invention;
fig. 2 is a diagram illustrating an embodiment of an online merchandise sales method based on creditor and debt according to the present invention;
figure 3 is a flow chart of creditor and debt association.
Detailed Description
The following are specific embodiments of the present invention and are further described with reference to the drawings, but the present invention is not limited to these embodiments.
Referring to fig. 1, the invention relates to an online commodity selling method based on creditor and debt, which is applied to a selling platform, and the method comprises the following steps:
step S01, receiving the commodity purchase request, analyzing the commodity purchase request, and obtaining the commodity information, the seller information and the commodity settlement currency information; the commodity settlement currency information comprises electronic virtual currency information and currency electronic information;
step S02, verifying whether the seller is a debtor, if yes, executing step S03, and if no, adding the electronic virtual currency information of commodity settlement into the seller account in the seller information;
step S03, acquiring debtor information related to the debtor and the debtor credit of the debtor, judging whether the debt credit is cleared, if yes, adding the electronic virtual currency information of commodity settlement into a seller account in the seller information, and if not, adding the electronic virtual currency information of commodity settlement into the debtor account in the debtor information;
wherein the electronic information of the currency of the commodity settlement is added to the account of the seller.
The method is applied to an online sales platform, and the online sales platform carries out data processing, verification and judgment on the received data. The sales platform analyzes the received commodity purchase request, verifies whether the seller is a creditor or not, and then performs different transaction bookings according to the non-creditor/creditor roles of the seller.
The commodity purchase request includes purchaser ID, commodity information, seller information, and commodity settlement currency information. The commodity information generally includes a commodity model, a commodity color, a commodity specification, and the like. The seller information comprises seller ID, mobile phone number, identification card number and seller account. The creditor information comprises a creditor ID, a mobile phone number, an identity card number and a creditor account. The merchandise purchase request may be initiated at a mobile terminal in which the sales platform app of the present invention is installed. The buyer needs to register basic information on the sales platform before purchasing, including buyer ID, mobile phone number, identification number, buyer account and other information.
After receiving the commodity purchase request, the sales platform needs to obtain commodity settlement currency information, i.e. specific currency composition information. The general commodity settlement money information includes electronic virtual money information and electronic circulation money information. Before commodity transaction, the sales platform specifies a settlement mode in advance, and settlement currency is in the form of 'electronic virtual currency information + electronic currency information of circulation currency'. The settlement mode can be negotiated with a sales platform according to actual needs to be established, for example, the amount ratio of the electronic virtual currency to the circulating currency, for example, the settlement currency is in an independent form of electronic virtual currency information or circulating currency electronic information.
Once the sales platform obtains the commodity settlement currency information, the billing processing of the currency information may be performed. When the settlement money is in the form of "electronic virtual money information + electronic information of circulation money", the electronic information of circulation money is charged into the seller account (non-debtor or debtor account), and the electronic virtual money information is charged into the seller account (non-debtor or debtor account) or creditor account.
In step S02, the step of verifying whether the seller is a debtor specifically includes:
step S21, according to the commodity information, inquiring the creditor and debt related information stored in the sales platform and obtaining the information of the debtor;
and step S22, verifying whether the seller is the same as the debtor, if so, determining that the seller is the debtor, otherwise, determining that the seller is not the debtor.
The creditor and debtor associated information is established after the creditor and the debtor are used as users to register and examine on the sales platform. After the debtor initiates a transaction as a seller, the sales platform can inquire the prestored debt and debt associated information when verifying the identity and role of the seller. The creditor and creditor related information relates the creditor information, the creditor information and the creditor commodity information together. The debtor information comprises a debtor ID, a mobile phone number, an identity card number and a debtor account. The sales platform can inquire related debt and debt related information through the commodity information and then obtain information of debtors. The verification of whether the seller and the debtor are the same can be realized by verifying whether the user ID in the seller information and the user ID in the debtor information are the same or by verifying whether the mobile terminal number in the seller information and the mobile terminal number in the debtor information are the same or by verifying whether the identity card number in the seller information and the identity card number in the debtor information are the same.
When the seller is verified to be a non-debtor, the electronic virtual currency information of commodity settlement is directly added into the account of the seller. When it is verified that the seller is a debtor, step S03 is performed. The step S03 is mainly divided into two cases, i.e., a case where the seller has not cleared the amount of the debt as the debtor, and a case where the seller has cleared the amount of the debt as the debtor (release of the creditor relationship).
The step S03 specifically includes:
step S31, according to the commodity information, inquiring the creditor and debt related information stored in the sales platform, and obtaining the creditor information related to the debtor and the debtor credit limit;
step S32, judging whether the difference between the debt amount and the electronic virtual currency information of the historical commodity settlement is larger than 0, if so, judging that the debt amount is not cleared, executing step S33, if not, judging that the debt amount is cleared, and then, accounting the electronic virtual currency information of the commodity settlement into the seller account;
step S33, judging whether the difference between the debt amount and the electronic virtual currency information of the historical commodity settlement is less than or equal to the electronic virtual currency information of the current commodity settlement, if so, then charging part of the electronic virtual currency information of the current commodity settlement into the creditor account, and charging the rest of the electronic virtual currency information of the current commodity settlement into the seller account; wherein, the part of the electronic virtual currency information of the current commodity settlement in the creditor account is the difference between the debt amount and the electronic virtual currency information of the historical commodity settlement; and if not, the electronic virtual currency information of commodity settlement is added into the creditor account.
Step S32 performs different transaction billing methods for the above two cases. Step S33 further subdivides the case of not yet cleared. When the remaining repayment amount is smaller than the electronic virtual currency information of the current commodity settlement, dividing the electronic virtual currency information into two parts, and respectively charging the two parts into different accounts; and when the remaining repayment amount is larger than or equal to the electronic virtual currency information of the current commodity settlement, directly charging the electronic virtual currency information of the commodity settlement into the creditor account.
The step S03 further includes clearing the current creditor and the creditor' S creditor-creditor associated information stored in the sales platform when it is determined that the credit line has been cleared. For example, when the electronic virtual currency information for calculating the final commodity settlement is greater than or equal to the remaining repayment amount, the debt and debt related information of the current debtor and debtor stored in the sales platform is cleared when or after the transaction accounting process is completed. That is, the current creditor and debtor no longer have a creditor-debtor relationship. And then, when the debtor acts as a seller, the commodity settlement currency information is directly added into the account of the seller, and the process of checking whether the seller is the debtor is not carried out any more in the period.
As shown in fig. 3, the method of the present invention further comprises: step S00, receiving a user registration request and debt information, wherein the debt information comprises debt and debt identity information (namely role information), commodity information and debt amount; and based on the commodity information, associating the debtor with the creditor and storing the creditor and creditor association information in the sales platform, and determining the credit line paid by the debtor to the creditor on the sales platform.
The step S00 further includes receiving the debt certification file information, and verifying the debt information based on the debt certification file information when the debt information is received. The debt certification document can be a debt and debt contract document signed by a debtor and a creditor. For example, the sales platform proves that the creditor and debtor files exist and the auditing is passed by identifying that the handwriting is clear and easy to recognize and submitting the information of the creditor or the debtor. After the debt information is verified, creating an electronic signature of the creditor and an electronic signature of the debtor; thereafter, the creditee and the creditor are associated and the creditor-creditee associated information is stored in the sales platform based on the commodity information. After the two parties agree, the electronic signature stage is carried out, which indicates that the other party agrees on the debt or the debt. The electronic signature is constructed using a signature algorithm. And the credit and debt parties respectively create the public key and the private key which are asymmetrically encrypted to carry out bilateral signature. For example, the user ID, the user role (creditor or debtor), the mobile phone number, the identification number (real name authentication will be performed when the user applies to become a creditor or a debtor), the creditor and debtor file information, and the like are serialized. After this string is obtained, it is hashed. This hash code is then private key encrypted. And obtaining the ciphertext-digital signature. So that all that has the authority to refer to the signature can be viewed. The checking process is to decode the ciphertext by using the public key to obtain the hash code and then compare the hash code with the hash value calculated by the original information hash again. And if the comparison is consistent, displaying the original information. Thus, the confidentiality and reliability of the creditor and debt can be ensured.
The debt amount paid to the creditor by the debtor on the sales platform is electronic virtual money information determined based on the debt amount in the debt information. According to the debt amount, the debt amount is converted into the debt amount according to a certain proportion. The specific debt amount is finally negotiated with the creditor through the debtor and the creditor, and the electronic signature passes.
The step of the present invention of accounting the electronic information of the currency of the commodity settlement into the seller's account can be executed in different processes. For example, as shown in fig. 2, the step of adding the electronic information of the distribution money for the product settlement to the seller' S account is performed after the information of the product settlement money is obtained and before step S02. Namely, the electronic information of the currency is directly added into the account of the seller whether the seller is a debtor or not. For another example, the step of adding the electronic information of the distributed money for the product settlement to the seller account is executed in synchronization with the step of adding the electronic virtual money information for the product settlement to the seller account when the seller is verified not to be a debtor. For another example, the step of adding the electronic information of the money to be distributed for commodity settlement to the seller account is executed in synchronization with the step of adding the electronic information of the virtual money for commodity settlement to the seller account when the sales method debtor is verified and the debt amount is cleared. For another example, the step of adding the electronic information of the money to be distributed in the commodity settlement to the seller account is performed in synchronization with the step of adding the electronic virtual money information of the commodity settlement to the creditor account when the sales method creditee is verified and the credit amount is not cleared. The last three implementation modes can synchronously add all commodity settlement currency information into an account, and avoid the problems of wrong money account entry and the like caused by time-sharing account entry.
Before the method is executed, debtors open shops on a sales platform and release commodities. Referring to fig. 2 specifically, after the commodity is released, the purchaser can initiate a purchase request at the mobile terminal, and then the sales platform can reasonably distribute the commodity transaction based on the creditor and debt.
It will be appreciated by persons skilled in the art that the embodiments of the invention described above and shown in the drawings are given by way of example only and are not limiting of the invention. The objects of the present invention have been fully and effectively accomplished. The functional and structural principles of the present invention have been shown and described in the examples, and any variations or modifications of the embodiments of the present invention may be made without departing from the principles.
Claims (6)
1. An online commodity selling method based on creditor and debt is applied to a selling platform and is characterized by comprising the following steps:
step S00, receiving a user registration request and debt information, wherein the debt information comprises the identity information of the creditable and the debt, commodity information and the debt amount; associating the debtor with the creditor and storing the creditor-creditor association information in the sales platform based on the commodity information, and determining the credit line paid by the creditor to the creditor on the sales platform;
step S01, receiving the commodity purchase request, analyzing the commodity purchase request, and obtaining the commodity information, the seller information and the commodity settlement currency information; the commodity settlement currency information comprises electronic virtual currency information and currency electronic information;
step S02, verifying whether the seller is a debtor, if yes, executing step S03, and if no, adding the electronic virtual currency information of commodity settlement into the seller account in the seller information;
the step of verifying whether the seller is a debtor specifically comprises:
inquiring the creditor and debt associated information stored in the sales platform according to the commodity information, and acquiring debtor information;
verifying whether the seller and the debtor are the same, if so, determining that the seller is the debtor, otherwise, determining that the seller is not the debtor;
step S03, acquiring debtor information related to the debtor and the debtor credit of the debtor, judging whether the debt credit is cleared, if yes, adding the electronic virtual currency information of commodity settlement into a seller account in the seller information, and if not, adding the electronic virtual currency information of commodity settlement into the debtor account in the debtor information;
the step S03 specifically includes:
step S31, according to the commodity information, inquiring the creditor and debt related information stored in the sales platform, and obtaining the creditor information related to the debtor and the debtor credit limit;
step S32, judging whether the difference between the debt amount and the electronic virtual currency information of the historical commodity settlement is larger than 0, if so, judging that the debt amount is not cleared, executing step S33, if not, judging that the debt amount is cleared, and then, accounting the electronic virtual currency information of the commodity settlement into the seller account;
step S33, judging whether the difference between the debt amount and the electronic virtual currency information of the historical commodity settlement is less than or equal to the electronic virtual currency information of the current commodity settlement, if so, then charging part of the electronic virtual currency information of the current commodity settlement into the creditor account, and charging the rest of the electronic virtual currency information of the current commodity settlement into the seller account; wherein, the part of the electronic virtual currency information of the current commodity settlement in the creditor account is the difference between the debt amount and the electronic virtual currency information of the historical commodity settlement; if not, the electronic virtual currency information of commodity settlement is added into the creditor account;
wherein, the electronic information of the currency of commodity settlement is added into the account of the seller;
a step of adding the electronic information of the currency of the commodity settlement to the seller' S account, which is executed after the commodity settlement currency information is obtained and before step S02; alternatively, the first and second electrodes may be,
the step of adding the electronic information of the currency of the commodity settlement into the account of the seller is executed synchronously with the step of adding the electronic virtual currency information of the commodity settlement into the account of the seller when the seller is verified not to be a debtor; alternatively, the first and second electrodes may be,
the step of adding the electronic information of the currency of commodity settlement into the account of the seller is synchronously executed with the step of adding the electronic virtual currency information of commodity settlement into the account of the seller when the seller is verified to be a debtor and the debt amount is cleared; alternatively, the first and second electrodes may be,
the step of adding the electronic information of the currency of the commodity settlement into the account of the seller is executed synchronously with the step of adding the electronic virtual currency information of the commodity settlement into the account of the creditor when the seller is verified to be the creditor and the credit limit is not cleared.
2. The method for selling online commodities based on creditor and debtor according to claim 1, wherein the verification of whether the seller and the debtor are the same is achieved by verifying whether the user ID in the seller information and the user ID in the debtor information are the same, or by verifying whether the mobile terminal number in the seller information and the mobile terminal number in the debtor information are the same, or by verifying whether the identity card number in the seller information and the identity card number in the debtor information are the same.
3. The method for selling goods on line based on claim and debt according to claim 1, wherein said step S03 further comprises clearing the debt and debt related information of the current debtor and debtor stored in the sales platform when it is determined that the debt amount has been cleared.
4. The method for selling goods on line based on claims and debts according to claim 1, wherein said step S00 further comprises receiving debt certification file information, and when the debt information is received, verifying the debt information based on the debt certification file information.
5. The method for selling goods on line based on claim 4 and debt, wherein said step S00 further comprises, after verifying the debt information, creating an electronic signature of the debt and an electronic signature of the debt; thereafter, the creditee and the creditor are associated and the creditor-creditee associated information is stored in the sales platform based on the commodity information.
6. The method for selling an on-line commodity based on a claim of debt and debt according to claim 1, wherein the amount of the debt paid back to the debt by the debt on the sales platform is electronic virtual money information determined based on the amount of the debt in the debt information.
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN1973295A (en) * | 2004-02-26 | 2007-05-30 | 鹫兴产株式会社 | Debt reduction method and device thereof |
| CN101901460A (en) * | 2009-06-01 | 2010-12-01 | 资本智富有限公司 | Method and system for loan portfolio management and automatic loan repayment |
| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110796535A (en) * | 2019-09-27 | 2020-02-14 | 黄宏流 | Debt repayment platform |
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1973295A (en) * | 2004-02-26 | 2007-05-30 | 鹫兴产株式会社 | Debt reduction method and device thereof |
| CN101901460A (en) * | 2009-06-01 | 2010-12-01 | 资本智富有限公司 | Method and system for loan portfolio management and automatic loan repayment |
| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
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