CN1516048A

CN1516048A - Convenient safe transaction payment method

Info

Publication number: CN1516048A
Application number: CNA031012140A
Authority: CN
Inventors: 王晓东; 王晴
Original assignee: Individual
Current assignee: Individual
Priority date: 2003-01-12
Filing date: 2003-01-12
Publication date: 2004-07-28

Abstract

The present invention relates to a convenient safety transaction payment method. It includes the following concrete steps: the buyer can give purchase money to a related organization with good credit to make management and the related organization can make the buyer create cypher; the related organization can make seller inquire said purchase money, after said purchase money to be drawn is inquired out, it can make the seller deliver the sold material to buyer, before said money is inquired out by seller, the related organization can resist the buyer to back draw said money, after the purchased material is checked and accepted by buyer, the related organization can utilize the cypher to make the seller draw out said purchase money.

Description

A kind of convenient and safe transaction payment method

Technical field

The present invention relates in a kind of economic association than a large sum of money transaction payment method.

Background technology

In the existing economic association, by voluntarily mode of doing business of both parties (referring to be different from the mode of doing business of the transaction on exchange of standardization such as futures market), it is to administer buyer's money of doing shopping by the intermediary that a kind of method of payment is arranged, after the seller pays selling thing the buyer and checks and accepts, guarantee the shopping money is delivered the seller by the intermediary.Though the method does not rely on the credit of both parties, can shifting risk yet, and has security, but have the interim agreement except requiring the intermediary to have between good credit and both parties and the intermediary, also want the buyer and the seller and intermediary to have and necessarily know well relation, reach the buyer and the seller and successively hold the receipt that the intermediary leaves.Establishment from both parties and intermediary's agreement, the buyer pays the shopping money to the intermediary, the seller inquires about this kind of of intermediary place, after having checked and accepted purchase, the buyer instruct the intermediary to seller parties, take out this kind of to the seller from the intermediary again, all require the buyer and the seller repeatedly to contact, make very inconvenience of the method operation, limited the great institutions that network spreads all over and promoted this transaction payment method as the intermediary with good credit with the intermediary who leaves receipt.And for using Web bank to carry out transaction payment, though have conveniently characteristics, but it the seller is inquired easily deposit in advance relevant bank the seller pay sell thing after a buyer who gets the surely money of doing shopping, and relevant bank yet can not be the shopping money that guarantees that the later right of withdrawing the money of the seller stops the buyer to fetch oneself to deposit in.Do not have security so be difficult to ensure the interests of both parties simultaneously.

Summary of the invention

For overcome both parties in the existing economic association voluntarily the safe payment method of mode of doing business have operation inconvenience and the problem that is difficult to promote and pay unsafe problem with Web bank, the invention provides a kind of Secure Transaction method of payment that can promote by means of the good credit of great institutions of handled easily.

The technical solution adopted for the present invention to solve the technical problems is: after both parties reach an agreement in the economic association, facilitate by means of mechanism with generally acknowledged good credit, and the own cover measure comprehensive coordination that cooperatively interacts with the buyer and the seller is played a role by this class appropriate authority, to finish payment.Concrete measure is: earlier will do shopping money friendship appropriate authority when managing on behalf of another the buyer, appropriate authority makes the buyer that password is set; Appropriate authority makes the seller have its to be got this kind of just to pay the thing of selling to the buyer inquiring appropriate authority; Appropriate authority makes the seller must use the buyer's password just can take out this kind of; Appropriate authority must guarantee just to begin to stop the buyer to fetch this kind of before can inquiring this kind of selling; The buyer is after receiving that purchase is checked and accepted satisfaction, and when helping the seller to get this kind of by the trade agreement requirement, appropriate authority makes the buyer must use the buyer's password just can finish.

The invention has the beneficial effects as follows, ensure at the same time on the basis of both parties' interests, can realize that remote inquiry fund and Long-distance Control transfer fund, thereby bring great convenience, the method is very easily promoted.

Embodiment

The present invention it should be noted that outside implementing by technical scheme in addition:

The buyer will do shopping, and to hand over the password that is provided with behind the appropriate authority be a kind of record of staying the determined possessor legal identity of appropriate authority to money, can be set of number, one group of letter, a class symbol, one group of literal and two or more combination in them.

When the buyer deposits the shopping money of abundance in after the account of oneself goes up in the appropriate authority, provide to appropriate authority the seller or by its agreement other people the account of certain mechanism as this kind of unique whereabouts and handle relevant formalities after, appropriate authority can change the shopping money on the buyer account over to an intermediate account, and the special account that this intermediate account can be appropriate authority also can be very safe other people account.Have only this moment, the seller just can inquire this kind of number and can be retained in time on this intermediate account.And this intermediate account is based on the trade agreement of both parties, and buyer's money of agreeing do shopping changes this account over to, is prerequisite with the agreement appropriate authority to this kind of management.This kind of is promptly guaranteed to wait to change by corresponding vendor account once change this account within a certain period of time, and the buyer takes away after can't arbitrarily requiring within a certain period of time this kind of is gone back to its account more again.

When the buyer receive purchase check and accept satisfied after, when helping the seller to get this kind of to access to your password, but the direct instruction appropriate authority transfers vendor account, the seller that also password can be passed on transfers this kind of by its instruction appropriate authority.And when this transaction had dispute, the buyer or the seller all can't take out this kind of, can in time ask relevant department's ruling, and according to the result of relevant department, and the proof of providing, take out this kind of separately in proportion.

Have, the shopping money of inquiring about and transferring on the appropriate authority account should adopt phone or internet to carry out again.But when transferring the shopping money, to the limited number of times of answering on probation of password, in case other people understand password.After the shopping money transferred vendor account, the seller used own original password and withdraws the money, in case the buyer pretends to be the seller to take away.

For the mode of doing business of down payment tailor-made product, be suitable for the present invention too.Just the buyer hands over appropriate authority with deposit, and processes product when the seller inquires this deposit, and after the buyer checked and accepted, the buyer should access to your password and help the seller to take out this deposit.If the deposit deficiency, remaining sum also can use the present invention to pay.

In addition, institute's thing of selling or purchase in the said here transaction except that referring to the dealing product, also can comprise the transaction content of transferring the possession of intangible asset and freight transportation, hire of processing work and other service form.

Claims

1. convenient and safe transaction payment method, it is characterized in that the measure that an own cover comprehensive coordination that cooperatively interacts with the buyer and the seller is played a role by appropriate authority is arranged, be specially the buyer and will do shopping money when handing over appropriate authority to manage on behalf of another, appropriate authority makes the buyer that password is set; Appropriate authority makes the seller have its to be got this kind of just to pay the thing of selling to the buyer inquiring appropriate authority; Appropriate authority makes the seller must use the buyer's password just can take out this kind of; Appropriate authority must guarantee just to begin to stop the buyer to fetch this kind of before can inquiring this kind of selling; The buyer is after receiving that purchase is checked and accepted satisfaction, and when helping the seller to get this kind of by the trade agreement requirement, appropriate authority makes the buyer must use the buyer's password just can finish.

2. according to the described a kind of convenient and safe transaction payment method of claim 1, it is characterized in that it is set of number at the password of appropriate authority setting that appropriate authority makes the buyer.

3. according to the described a kind of convenient and safe transaction payment method of claim 1, it is characterized in that it is one group of letter at the password of appropriate authority setting that appropriate authority makes the buyer.

4. according to the described a kind of convenient and safe transaction payment method of claim 1, it is characterized in that it is a class symbol at the password of appropriate authority setting that appropriate authority makes the buyer.

5. according to the described a kind of convenient and safe transaction payment method of claim 1, it is characterized in that it is one group of literal at the password of appropriate authority setting that appropriate authority makes the buyer.

6. according to the described a kind of convenient and safe transaction payment method of claim 1, it is characterized in that it is combinations two or more in set of number, letter, symbol and the literal at the password of appropriate authority setting that appropriate authority makes the buyer.

7. according to the described a kind of convenient and safe transaction payment method of claim 1, it is characterized in that depositing in the appropriate authority on the account of oneself at buyer's money of will doing shopping, the seller or its agreement be provided other people after unique whereabouts, changed this kind of over to intermediate account as this kind of the account of certain mechanism by appropriate authority.

8. according to the described a kind of convenient and safe transaction payment method of claim 1, it is characterized in that will doing shopping after money deposits in the appropriate authority on oneself the account the buyer, changed over to special account or very safe other people account of this mechanism by appropriate authority.

9. according to the described a kind of convenient and safe transaction payment method of claim 1, it is characterized in that appropriate authority does shopping before the money selling the buyer that can inquire in the appropriate authority, change this kind of on intermediate account certain hour for stoping the buyer within a certain period of time this kind of to be transferred back taking-up behind the former account.

10. according to the described a kind of convenient and safe transaction payment method of claim 1, it is characterized in that appropriate authority must make the do shopping number of money and Qi Ke of the buyer who sells on the intermediate account that can inquire appropriate authority simultaneously be retained in time on this account.