CN1316710A

CN1316710A - Double fund settlement method and its computer management system

Info

Publication number: CN1316710A
Application number: CN 00105216
Authority: CN
Inventors: 张向阳; 高洁; 王志珍; 张宝儒
Original assignee: 张向阳
Priority date: 2000-04-04
Filing date: 2000-04-04
Publication date: 2001-10-10

Abstract

A found settling method and its computer management system features that in a surplus found account system managed by computer, the user can freeze part of its funds by a certain period via its user terminal and the frozen fund can be unfrozen, or its frozen period is elongated, or it is transferred to particular account by the user or the authorized person via user terminal as required, so ensuring high payment reliability.

Description

Double fund settlement method and computer management system thereof

The present invention relates to a kind of capital settlement method and computer management system thereof.

Along with Development of E-business, the online payment means are very incompatible to be needed.Show according to " China Internet network state of development statistical report " at the beginning of CNNIC (CNNIC) 2000, for ecommerce, China has 52.26% user to be concerned about that the safe reliability of transaction, 7.73% user be concerned about whether delivery just-in-time most; For shopping online, there is 36.54% user to think that security can not get ensureing, there is 27.64% user to think that product quality, after sale service and manufacturer's credit can not get ensureing, there is 17.68% user to think that payment is inconvenient.On the other hand, manufacturer also often can not get client's affirmation and payment when delivery because fulfiling online order, cause the certain economic loss.Because ecommerce makes the time of delivery and payment separate with the space, both parties are produced distrust and problem that can not mutual restriction.Existing bank card (comprising electronics deposit card, electronics debit card etc.) and Web bank mainly are the user's capital account management systems (containing hardware and software) that is connected to form by telecommunication line by user terminal and computing machine central processing system, and the valid instruction according to the user during use is settled accounts fund on the account immediately; Also have directly to carry out by the system manager and freeze, draw operations such as fund in the button account, but this can not be as the regular traffic service of user oneself control use because of special requirements such as the administration of justice.Even the securities broker company that has just freezes the corresponding fund in its account when the client sends the valid instruction of buying in transaction, the client can remove the fund of singly thawing before striking a bargain, but in a single day securities broker company determines to strike a bargain, and the client just must unconditionally settle accounts the fund of freezing in the account.

The objective of the invention is to provide for the user (end user who comprises actual account holder or its carte blanches) of capital account a kind of can decline to hang down the settlement method and the computer management system thereof of cost payment risk in the condition of guaranteeing fund credit.

The object of the present invention is achieved like this: the fund that can accept and handle certain number in the account who freezes the user earlier who sends from user terminal is installed in the computer management system of general bank credit card management system or other a plurality of capital accounts of management, after authorize by this user and part thereof again other people send from user terminal this blocked funds thawed again, prolong freeze-off time or directly transfer the compound clearing control subsystem of valid instructions such as other accounts, the valid instruction that is sent according to user terminal by the central processing system that comprises this control subsystem changes data for information about to the capital account of appointment.In such computer management system, the user is after opening special capital account, at first instruct in its account the fund of certain number in a prescribed timelimit, all to be freezed by user terminal for particular transaction, frozen fund must not flow between different accounts, also must not repeat frozen for other transaction, then in this freezes the time limit, other people (mainly being the adversary of transaction) that this user and part thereof are authorized instructed once more this fund of freezing to be thawed after this freezes expiration or prolongs according to the declaration of will rule of their common approval by user terminal independently of one another and freezed the time limit or transfer other accounts (also can thawing of all agreeing to settle accounts transfers frozen fund) when other people of user and part mandate thereof instruct once more before the prerequisite of freezing to expire, above-mentioned instruction also can be adopted the mode of acquiescence, finishes a complete settlement process like this.Particularly working as the user is the payables man-hour, and receivables people is as the instruction that can be sent clearing by the part donor to fund on hold in the reciprocal account; When the user is the receivables man-hour, payables people prolongs the instruction of freezing as being sent fund on hold in the reciprocal account by the part donor.

This settlement method can help the both parties of ecommerce to overcome mutual mistrust mutually with computer management system, and user's fund in the account that freezes of instructing first can be used as the guarantee of respective transaction cost, has guaranteed safe reliability to a great extent.Particularly will freeze corresponding cost buyer's shopping on net commodity the time, then the commodity of receiving order in addition on probation after just actually settle accounts to the other side, its effect can guarantee that both sides fulfil obligation separately honestly, thereby promotes the development of Electronic Commerce in China.

Provide two embodiment below.

Example one: first capital settlement company is that A and two users of B have opened two capital accounts separately, its computer management system is connected with the telecommunications internet, make the network terminal also can be, and compound clearing control subsystem has been installed in this computer management system as the user terminal of capital account management system.The party A-subscriber has ordered 100 yuan commodity by the user terminal of internet to the party B-subscriber, and the capital account computer management system is then freezed the 100 yuan of funds (corresponding payment for goods) in the party A-subscriber account predetermined 10 days.(1) in these 10 days, after the party A-subscriber received ordered commodity, if he further settles accounts to the party B-subscriber by the network user terminals instruction, 100 yuan of payment for goods then freezing in its account transferred party B-subscriber's capital account (party B-subscriber is regarded as the acquiescence clearing) immediately.(2) or in these 10 days, determine also can be by the network user terminals instruction to party A-subscriber's loan for the settlement of accounts after commodity that the party A-subscriber orders have been sent to as the party B-subscriber, if the party A-subscriber does not pay payment for goods to its account's computer management system special order, be considered as him and give tacit consent to clearing, 100 yuan of payment for goods then freezing in party A-subscriber's the account after 10 days directly transfer party B-subscriber's capital account; If the party A-subscriber (does not for example receive the order in 7 day delivery date of agreement) because of various reasons and does not pay payment for goods by network user terminals to its account's computer management system instruction, then after 10 days in party A-subscriber's the account 100 yuan continue to freeze, can treat that relevant department's ruling dispute back of purchasing commodities is thawed by the computer system management personnel or transfers.(3) or in these 10 days, if the party B-subscriber does not collect 100 yuan of payment for goods to relevant account's computer management system instruction to party A-subscriber's clearing, no matter then the party A-subscriber refuses to pay payment for goods or do not do any instruction to the computer management system instruction of its capital account by user terminal, 100 yuan of funds after 10 days in the party A-subscriber account are all thawed.

Example two: second bank is that A and two credit card users of B have been opened two capital accounts separately, its computer management system is connected with the telecommunications internet, make the network terminal also can be, and compound clearing control subsystem has been installed in this computer management system as the user terminal of capital account management system.The party A-subscriber has ordered 100 yuan commodity to the party B-subscriber by the user terminal of internet, the capital account computer management system then transfers the 100 yuan of funds (corresponding payment for goods) in the party A-subscriber account in party B-subscriber's the capital account automatically, and this payment for goods changes 10 days that promptly freeze to be scheduled to behind party B-subscriber's the account over to.In these 10 days, if the party A-subscriber does not send the instruction of refusing to pay cost by user terminal to its account's computer management system, then 100 yuan of funds of this in the party B-subscriber account are thawed voluntarily after 10 days; If the party A-subscriber sends the instruction of refusing to pay by network user terminals to party B-subscriber account's computer management system, then after these 10 in party B-subscriber's the account these 100 yuan continue to freeze, thaw by the computer system management personnel or transfer until the relevant department ruling dispute back of purchasing commodities.

Claims

1, a kind of double fund settlement method, the user opens behind the capital account behaviour in service of the fund in its account of controlling by the valid instruction of the user terminal of computer management system, the invention is characterized in certain time limit of certain number freezing of funds of user in its account of instruction, this user and partly authorize by him other people independently of one another once more instruction this fund of freezing is thawed after the expiration freezing, prolong and to freeze or transfer other account, perhaps authorize in user and part thereof other people instruct once more and also can before freezing expiration, transfer fund in the time of all will settling accounts.

2, a kind of computer management system that is specifically designed to double fund settlement method, it is mainly connected to form by telecommunication line by user terminal and central processing system, central processing system just increases and decreases corresponding data information to its account behind the valid instruction that receives user terminal, thereby make fund in this account be in different user modes or number changes, to be central processing system that compound clearing control subsystem has been installed receiving after send from user terminal relevant freeze the valid instruction of certain number fund in the user account in certain time limit feature of the present invention, promptly this account is produced and limit the outflow of this fund and the information data that frozes for a second time, other people relevant the transferring of sending that receives again that user and part thereof authorize in central processing system then from user terminal, after thawing or prolonging the instruction of freezing, again this account is correspondingly changed the data message of fund state.

3, method according to claim 1 is characterized in that the user is the payables man-hour, and receivables people is as the instruction that can be sent clearing by the part donor to fund on hold in the reciprocal account.

4, method according to claim 1 is characterized in that working as the user is the receivables man-hour, and payables people prolongs the instruction of freezing as being sent fund on hold in the reciprocal account by the part donor.