CN1674012A - Network business platform and realizing method thereof - Google Patents
Network business platform and realizing method thereof Download PDFInfo
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- CN1674012A CN1674012A CN 200410029642 CN200410029642A CN1674012A CN 1674012 A CN1674012 A CN 1674012A CN 200410029642 CN200410029642 CN 200410029642 CN 200410029642 A CN200410029642 A CN 200410029642A CN 1674012 A CN1674012 A CN 1674012A
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Abstract
The network business platform has protocol creating system for creating purchase protocol provided to the negotiation and confirmation system according to the information the buyer and the seller provide; negotiation and confirmation system for the negotiation and confirmation on the purchase protocol of the buyer and the seller and preserving the confirmed purchase protocol; fund settling system for creating and managing one intermediate account for the buyer to transfer the fund to; trade control system for providing interface for both the buyer and the seller to inquire the intermediate account and completing the fund transfer after confirmation of both the buyer and the seller. The present invention has bank and other financial mechanism as the network business platform provider, created intermediate account and perfect trade process, high network trade credit and high fund safety.
Description
Technical field
The present invention relates to a kind of network business platform and realize method, especially a kind of method that is applied to network business platform between BtoB (business to business), BtoC (B to C) and the CtoC (individual is to the individual) and realization based on this platform service based on this platform service.
Background technology
Along with the maturation of encryption technologies such as Internet development and digital signature, ecommerce is surging forward in the scope in the world, and what Amazon large quantities of maturations such as (www.amazon.com) for example occurred is the successful example of main operation way with ecommerce.
Producer's release product information voluntarily is a kind of form of ecommerce, but because each producer's information dispersion, information category is also more single, the inconvenience of client's acquired information, and therefore, this mode is a kind of auxiliary mode as ecommerce; The ecommerce form of another kind of widespread use is based on the network business platform that the unification of various supply and demand information is issued, realize such as online shopping mall, internet book store etc., client just can conveniently obtain own required information by network business platform, and finishes transaction.
At present, online shopping mall mainly contains Web Hosting, businessman is joined and businessman and producer unite two kinds of patterns of self-built online shopping mall, and payment generally can be selected online payment, cash on delivery and mode such as mail-order, and deliver goods is then by being responsible for the logistics company of online shopping mall appointment.Cash on delivery and traditional modes of payments such as mail-order, exchange hour is long, and the transaction cost height can't satisfy growing ecommerce behavior, and also has certain potential safety hazard.
Existing online payment is after client selects online payment, change the website of bank clearing of paying over to, clearing are finished and are gone back to the website, store again, its online payment function is linking website of bank and existing online shopping mall just, utilize the payment function of bank, the Web bank under the real ecommerce notion does not also occur.
Because any responsibility is not paid to the authenticity of the selling commodity and the information that provides in the store mostly, so the risk of existing payment way is very high, the excessive risk of this payment has seriously hindered further developing of ecommerce, therefore, press for a kind of efficient, safe network business platform ecommerce is provided support, safe and reliable payment way is provided, promptly reduce the risk of online payment, guarantee the real-time of transaction again, too high transaction cost can not occur.
Summary of the invention
Technical matters to be solved by this invention is: a kind of network business platform is provided, and both parties can pass through this platform, safety finish online transaction.
Another technical matters to be solved by this invention is: a kind of method of concluding the business and realizing is provided, based on above-mentioned network business platform, with the online capital settlement of scientific and reasonable transaction flow and complete safety, reduce transaction risk and cost, guarantee that both parties' interests obtain safeguarding.
Network business platform of the present invention comprises: agreement generation system, negotiation and affirmation system, payment and settlement system and transaction control system;
The information that described agreement generation system provides according to the buyer or the seller generates purchasing contract, submits negotiation and affirmation system to;
Described negotiation and affirmation system are used for both parties' negotiation, confirm purchasing contract, and the purchasing contract after will confirming is preserved;
An intermediate account is set up and managed to described payment and settlement system according to the purchasing contract of negotiation and affirmation system validation, payment for goods changed in the intermediate account by the financial means that platform provides by the buyer;
Described transaction control system provides the interface of both parties' inquiry intermediate account, and after receiving the trade confirmation information of both parties, can submit to payment and settlement system to allow the seller to take out payment for goods, perhaps directly the seller be set aside in payment for goods by payment and settlement system from middle account.
Aforesaid network business platform can also comprise: the commodity displaying system; Described commodity displaying system offers the network seller's merchandise news, and when the buyer determined to buy a certain commodity, the commodity displaying system submitted to the agreement generation system to generate the purchasing contract of these commodity.
Aforesaid network business platform can also comprise: platform management system; The service that described platform management system provides management and supports all systems in the platform.
Network platform method of commerce of the present invention comprises the steps:
Step 1, generate purchasing contract by the buyer or the seller;
Step 2, both parties' negotiation, affirmation purchasing contract;
Step 3, open intermediate account, payment for goods is deposited in the intermediate account, after the seller confirms, send goods by the buyer;
Step 4, buyer's goods receive, and confirm errorless after, send confirmation; After receiving buyer's confirmation, the seller can take out payment for goods from middle account, perhaps directly the seller is set aside in payment for goods.
After step 5, the Transaction Success, nullify the intermediate account that step 3 is opened.
The present invention is a core by intermediate account, with bank and other financial mechanism is auxiliary, a kind of safe and reliable network business platform is provided, and, has solved the prestige and the fund security problem of online transaction well by the setting up and perfect transaction flow of intermediate account.Both can be used as a kind of independent business and carried out, charged by turnover or by the number of times of transaction; Also can be used as a kind ofly, a kind of backup system of service is provided, provide free user to registration for enterprise releases news.
Description of drawings
Fig. 1 is the structural representation of the network business platform of the embodiment of the invention 1;
Fig. 2 is the structural representation of the network business platform of the embodiment of the invention 2.
Embodiment
Embodiment 1:
In the present embodiment, the buyer, the seller and the logistics company that transaction relates to all needs registration earlier to become the user of network business platform, and all the bank under network business platform opens an account, and deposits the guaranty money of certain amount of money in, with this, further guarantee the safety of transaction.
In the present embodiment, both parties are general to be in agreement to the kind of purchase commodity and price roughly, because the two is the registered user of network business platform, both sides have very high prestige in network business platform, so both sides select while logging in network business platform to finish transaction.
The based on network network business platform of present embodiment, by financial institution particularly bank develop and manage, and link to each other with the bank self networks; Its structure comprises as shown in Figure 1: agreement generation system, agreement negotiation and affirmation system, payment and settlement system, transaction control system and platform management system;
The agreement generation system provides a basic document about the buying and selling of commodities based on XML, but about the transaction essential information such as kind, price of transaction commodity, is filled in by the side that initial purchasing contract text is provided.Both parties pass through Web browser logging in network business platform, and enter the agreement generation system; The information that one side of the initial purchasing contract text of agreement generation system basis provides, generate the first draft of purchasing contract, for the purchasing contract clause that the agreement generation system automatically generates, submit to provide one of the initial purchasing contract text can be so that these clauses are made amendment; After modification and confirming, submitted negotiation of this purchasing contract text and affirmation system;
It is collaborative that negotiation and affirmation system at first finish simultaneously online both parties' browser page, make both parties can be simultaneously see the text of purchasing contract and either party modification to the purchasing contract text by browser, then, provide agreement negotiation instrument to both parties, this agreement negotiation instrument can be based on the Web conference instrument of text, or the real-time voice media of communication, make both parties can utilize this instrument that purchasing contract is consulted.After consulting successfully, can confirm version of an agreement by browser, such as confirming by " affirmation " button of clicking on the page, if both sides confirm purchasing contract, then consult and the affirmation system preserves final purchasing contract in the platform electronics safe deposit box, and final purchasing contract can not be changed; Notify payment and settlement system simultaneously;
Payment and settlement system and the collaborative work of transaction control system.When both parties that payment and settlement system is received negotiation and confirmed system reach an agreement with regard to purchasing contract and the information confirmed after, set up an intermediate account for this transaction, this intermediate account has following feature:
The one, after intermediate account was set up, both parties can be by the kind and the number of the currency in the transaction control system inquiry payment and settlement system;
The 2nd, only under the situation that both parties are all agreed, sell and can take the payment for goods or the buyer just now away and just be recoverable to payment for goods.
Payment and settlement system is set up after the intermediate account, can point out the buyer in official hour, deposit the payment for goods of final purchasing contract regulation in to intermediate account, if the buyer surpasses official hour and do not deposit payment for goods in to intermediate account yet, payment and settlement system can put the buyer's guaranty money under intermediate account according to the number of the setting of both sides' agreement or system.
Because in the present embodiment, network business platform is set up by bank and other financial mechanism, so it is very convenient to establish the fund account of particular community, if but other non-financial institution set up intermediate account of the present invention, then need bank to cooperate easily, setting up fund account, and with the standing of bank, for the transaction of network business platform provides true and reliable assurance with above-mentioned attribute.
After the financial means that the buyer provides by network business platform changed payment for goods over to intermediate account, seller's payment and settlement system was notified the seller, and payment for goods is received; At this moment, the seller can confirm that payment for goods arrived intermediate account by the transaction control system.The seller just can deliver to the buyer by purchasing contract after affirmation.After seller's delivery, the logging in network business platform, and in the transaction control system, write down the information of " goods sends "; This information is by the transaction control system, by mode notice buyers such as note or Email.
The buyer receives goods, and confirm errorless after, the logging in network business platform, the transaction control system in the record " goods is received " affirmation information; This information also by the transaction control system, is notified the seller by modes such as note or Email.After the transaction control system received that " goods sends " and the buyer confirm the information of " goods is received ", the notice payment and settlement system allowed the seller to take out payment for goods from middle account, perhaps directly the seller is set aside in payment for goods by payment and settlement system, finishes this transaction.
After the Transaction Success, payment and settlement system is nullified the intermediate account of being opened.
In the present embodiment, payment for goods puts intermediate account under and takes out payment for goods from middle account, the Web bank of bank that can be by setting up network business platform realizes, this tradition that is different from deposits, withdraws the method for commerce of money to sales counter, can improve the speed and the quality of transaction greatly, satisfy the demand of growing online transaction.
In the present embodiment, each system of network business platform, cooperation mutually; Utilize the intermediate account and the transaction control system of payment and settlement system, and the standing of bank and other financial mechanism, guaranteed that transaction can safe carrying out in network business platform of the present invention.
As shown in Figure 1, also comprise platform management system in the network business platform of present embodiment, the service that this platform management system provides management and supports all systems in the platform, pass through platform management system, can carry out the setting of parameter to each system of network business platform, the increase and decrease of function is with the environment of better adaptation network trading; And platform management system can also be collected the operation information of each system, monitors the duty of each system, finishes the storage and the backup of platform daily record and Transaction Information.
Embodiment 2:
In the present embodiment, as shown in Figure 2, network business platform is on the basis of embodiment 1, also comprise a commodity displaying system, the seller offers the commodity displaying system with the merchandise news of selling, outwards issue by the form of the Web page by the commodity displaying system, thereby make network trading of the present invention have the function of online shopping mall simultaneously concurrently, can more comprehensively provide service for the registered user.
If the registered user of network business platform has commodity to wish to sell, then can will treat the information of vending articles, such as, the title of commodity, specification etc., offer network business platform, network business platform is by the commodity displaying platform, to all registered user's issues.
As a certain registered user, when promptly the buyer determines to buy commodity,, determine to buy these part commodity by clicking these part commodity in the Web page that the commodity displaying system provides; The commodity displaying system submits the agreement generation system to, according to the information of these commodity, generates the purchasing contract of these commodity automatically, and guides the buyer to enter the agreement generation system, finishes follow-up process of exchange.
Embodiment 3:
The method of commerce of network business platform of the present invention carries out in the network business platform shown in embodiment 2, specifically comprises the steps:
Step 1, the buyer search product, generate purchasing contract;
Transaction of the present invention is initiated by the buyer, the buyer is the product information by being provided in the browse network business platform commodity displaying system at first, search suitable product, the i.e. internet site of setting up by network business platform is browsed the merchandise news that the Web page of commodity displaying system provides to the user by browser.
If the buyer finds the product that will buy by the website, and select to finish transaction by the payment way that network business platform provides, the then link of these commodity " confirming to buy " on the webpage clicking, by the commodity displaying system, automatically the notification protocol generation system generates about buying the purchasing contract of these commodity.
By the agreement generation system that the buyer utilizes network business platform to provide, generate the first draft of purchasing contract.Described agreement generation system is applied mechanically predefined online purchase model agreement automatically according to the information of buyer's input, generates purchasing contract.Because the basic framework of purchasing contract is provided by network business platform, its clause regulation is more careful, the various actual conditions that may occur have been considered, and all clauses can also step afterwards in, by both parties it is made amendment, therefore, the security to transaction provides basic assurance.
The information of buyer's input comprises: buyer's information, comprise user name, number of the account, contact method etc., seller information, comprise user name, number of the account, contact method etc., buy inventory information (as: title, specification, model), unit price, quantity, total price, Payment Methods (as whether paying by instalments), deliver goods mode etc.
After the buyer checks that agreement is errorless, confirm this agreement, enter next step.
Step 2, both parties revise, and confirm purchasing contract;
After the buyer provides the first draft of purchasing contract, such as, after " affirmation agreement " button is confirmed on the webpage clicking, both parties enter the agreement negotiation and the affirmation system of network business platform simultaneously, this system is at first collaborative to both parties' browser page, promptly allow both sides' display synchronization, show the agreement that the buyer provides with this.After finishing synchronously, agreement can be revised by both parties, and the other side can in time see when revising.
Agreement negotiation and affirmation system finish browser page collaborative after, provide agreement negotiation instrument to both parties.This agreement negotiation instrument can be based on the Web conference instrument of text, and both parties transmit by the instant message of system, and the clause in the agreement is consulted and revised; The present invention also can provide real-time based on network speech exchange, to make things convenient for both parties' negotiation.
After both parties all settle the clause of agreement, separately agreement is done digital signature by " signing and sealing " function (use digital certificate) of network business platform.Send in the agreement negotiation of network business platform and the electronics safe deposit box that the affirmation system provides through the agreement behind the signature and to deposit, simultaneously, system sends instruction to both parties, enters next step.
Step 3, open intermediate account, the buyer deposits payment for goods in the intermediate account in;
System offers the intermediate account instruction and sends to system for settling account, and this system is that the account holder opens an account with the buyer, and simultaneously, the seller is as the association control side of the account.
This intermediate account has following attribute: the buyer can not unilaterally propose back payment for goods after the account deposits payment for goods in again; Can only inquire about payment for goods as the seller of association control side and whether arrive account, mustn't go to the permission of system, can not from the account, payment for goods be taken away.
By intermediate account, the present invention has realized the first buyer bank that pays the bill, and the seller delivers after checking payment for goods, and after the buyer acknowledged receipt of goods, the seller took payment for goods away, thereby had guaranteed the safety of online transaction.
The buyer can pass through system queries intermediate account information; This moment, the seller can not withdraw deposit, and can only inquire about.System for settling account is issued the seller with the electronics order form, and prompting seller payment for goods arrived intermediate account, is confirmed by the seller whether the quantity, Currency Type, date etc. of payment for goods are correct.
If payment for goods is errorless, the seller utilizes the transaction control system of network business platform to send ship directive.The seller both can select voluntarily logistics company with the delivery of goods in agreement or the place of buyer's appointment, finish delivery, the logistics company that also can be selected in the network business platform registration is delivered to the buyer, further to make transaction security.
Step 4, buyer's goods receive, and confirm errorless after, confirmation; After the transaction control system is received buyer's confirmation, payment for goods is set aside seller's account from middle account.
After the buyer receives goods, goods is carried out an acceptance inspection; If confirm that goods is consistent with agreement, then send arrival and confirm instruction or utilize mobile phone short message to issue transaction control system notice transaction control system that goods is normally received by login transaction control system.The transaction control system just can allow the seller to obtain payment for goods after receiving the information that goods that the buyer sends normally receives.
The seller is the registered user of network business platform, is provided with account in network business platform, in transaction control system notice system for settling account, directly the payment for goods of intermediate account is transferred in the seller's the account, and notify the seller, finishes the transfer of payment for goods; For the safety that guarantees to conclude the business, the transaction control management system of network business platform can increase the condition that allows the seller to take out payment for goods, logistics company is returned to the transaction control system with the deliver goods result, as allowing the seller to take out another condition of payment for goods, promptly have only after the normal affirmation information of goods being delivered to the buyer that the transaction control system is received logistics company and the buyer confirm two information of affirmation information that goods normally delivers to, just allow the seller to take out payment for goods.
The feedback information benefit that increases logistics company is: can know correct delivery period on the one hand, prevent that the seller from passing through other surging conditions, force the buyer just to send goods to information when not receiving goods, reduce the risk of transaction; On the other hand, grasp the correct arrival time after, can retrain the buyer, in rational time, send goods to information; Preventing the buyer is condition to send notification of arrival, cause damage to the seller, thereby further balance both sides' rights and duties guarantees carrying out smoothly of transaction.
Increase the feedback information of logistics company, necessarily require the person of foundation of all logistics companies of being responsible for deliver goods and network business platform signatory, the authenticity of guarantee information; And require the seller can only from signatory logistics company cooperation, send goods.
After step 5, the Transaction Success, nullify this interim intermediate account.
After finishing once transaction, the intermediate account amount of currency is 0, and network business platform transaction control system is nullified intermediate account after transaction is finished automatically.
The present invention is based on network business platform,, finished the transaction of ecommerce,, guarantee that both parties' interests obtain safeguarding with the online capital settlement of scientific and reasonable transaction flow and complete safety by the setting up and managing of intermediate account.
If transaction can not be carried out smoothly, middle have the delay behavior as certain side, by the mandatory provision in the agreement of network business platform, presses dealing money number percent and hand over overdue fine to give the opposing party from party in breach's margin account.Receive goods as the buyer, do not send confirmation, confirm through the network business platform supvr, the buyer can reduce in the prestige of this platform, and the network business platform supvr can adopt the deduction guaranty money, forces to carry out intermediate account and transfers, perhaps cooperate, recover payment for goods to the buyer jointly with the seller.
After if goods is received, situations such as breakage appear in goods, and both sides can discuss again, reach new agreement, and the informing of network service platform is redistributed the amount of money of intermediate account.
In whole process of exchange, can because the situations such as Impossibility of Performance that force majeure occurs are introduced insurance company middle guarantee is provided, more effectively control the transaction risk problem as logistics transportation, the buyer or the seller to each link of transaction.
In order further to control transaction risk, and make that transaction is smooth and easy, suffer restraints, before the transaction of the present invention, can mandatory requirement, the buyer and the seller that utilize network business platform of the present invention to conclude the business must register in network business platform, and the guaranty money of real information and certain number is provided.For guaranty money's problem, relatively more responsive, can be registered user's long-term guaranty money, also can be once to conclude the business and set up the guaranty money in advance separately for certain, also can be better in credit worthiness, or secured, or have under the situation such as insurance company's insurance, exempt guaranty money's responsibility of parties.
The logistics company of both parties and registration all has account in network business platform, can carry out the integration of cash flow easily like this, reduces transaction cost.In process of exchange, the seller have personnel can real-time online by accounts information and other information attentions transaction situation, consult agreement with the buyer, both sides need to use digital certificate in the process of transaction, to realize encryption and signature function, the risk of common guarantee transaction remains at low levels.
Electronic business transaction method of the present invention can be suitable for widely, but be suitable for bank the most or other financial institutions carry out, at first, bank is a financial instrument, the circulation of business capital must be undertaken by bank, and e-commerce transaction of the present invention can be integrated with other financial business of enterprise, finishes enterprise product sale and transaction security when providing financial service for enterprise and guarantees, both, also increased the competitive power of bank for enterprise provides many-sided service; Secondly, the prestige of bank is higher, under the virtual environment of network, prestige is to finish the guarantee of transaction, and the prestige of bank self both can also can be utilized the prestige of self for the store attracts more producer and client, each link that guarantees transaction is carried out smoothly, in addition, the site of bank is numerous, also can so that the user open an account; At last, the credit rating of bank is the most influential, because the special status of bank, having left any one tame enterprise of bank all can not survive, so bank to the buyer and seller's prestige evaluation, directly has influence on the prestige of enterprise, can reduce the risk of transaction from another aspect.
The bank electronic business web site is different from the traditional business networking of other commercial bank and the pattern of the online payment link of ecommerce only is provided, also be different from single B2B, the B2C business of other business web site, it is advantage in conjunction with bank self, bank's prestige is penetrated into each link of ecommerce, for both sides provide safe network business platform, the construction of website has also changed the pattern of traditional Web bank, this is domestic bank's industry, and even the innovation that entire I T industry does not all have, we can say, started the beginning of banking industry ecommerce.
It should be noted last that: above embodiment is the unrestricted technical scheme of the present invention in order to explanation only, although the present invention is had been described in detail with reference to the foregoing description, those of ordinary skill in the art is to be understood that: still can make amendment or be equal to replacement the present invention, and not breaking away from any modification or partial replacement of the spirit and scope of the present invention, it all should be encompassed in the middle of the claim scope of the present invention.
Claims (23)
1, a kind of network business platform is characterized in that: comprising: agreement generation system, negotiation and affirmation system, payment and settlement system and transaction control system;
The information that described agreement generation system provides according to the buyer or the seller generates purchasing contract, submits negotiation and affirmation system to;
Described negotiation and affirmation system are used for both parties' negotiation, confirm purchasing contract, and the purchasing contract after will confirming is preserved;
An intermediate account is set up and managed to described payment and settlement system according to the purchasing contract of negotiation and affirmation system validation, payment for goods changed in the intermediate account by the financial means that platform provides by the buyer;
Described transaction control system provides the interface of both parties' inquiry intermediate account, and after receiving the trade confirmation information of both parties, can submit to payment and settlement system to allow the seller to take out payment for goods, perhaps directly the seller be set aside in payment for goods by payment and settlement system from middle account.
2, network business platform according to claim 1 is characterized in that: described trade confirmation information comprises: " goods is received " information that " goods the sends " information that the seller sends and the buyer send;
Described " goods sends " information is confirmed payment for goods to intermediate account by the seller, and after sending goods, submits the transaction control system to, and in the transaction control system record;
Described " goods is received " information is received goods by the buyer, and confirm errorless after, submit the transaction control system to, record in the transaction control system.
3, network business platform according to claim 1 and 2 is characterized in that: whether the described negotiation and the affirmation real-time judge buyer of system and the seller be simultaneously online,
If simultaneously online, then offer both sides' online exchange instrument, make both parties can utilize this instrument that purchasing contract is consulted, the negotiation success also submits to both sides to confirm;
If the buyer and the seller are not online simultaneously, then consult and the affirmation system preserves purchasing contract; When either party was online among the buyer or the seller, negotiation and affirmation system can submit to revise or confirm purchasing contract to the information of online side prompting purchasing contract, are confirmed by both sides up to purchasing contract.
4, network business platform according to claim 3 is characterized in that: the online exchange instrument that described negotiation and affirmation system provide both can be the text based media of communication, also can be the media of communication based on voice or video.
5, network business platform according to claim 4 is characterized in that: in described negotiation and the affirmation system, both parties use digital certificate to separately purchasing contract being done digital signature, confirm purchasing contract.
6, network business platform according to claim 5, it is characterized in that: it also comprises the electronics safe deposit box, and described electronics safe deposit box is used for preserving purchasing contract, and only reaches an agreement to revising purchasing contract in both parties, and after reaffirming, just change the purchasing contract of preserving.
7, network business platform according to claim 1 is characterized in that: the intermediate account that described payment and settlement system is set up, and make the buyer after the account deposits payment for goods in, can not unilaterally payment for goods be carried back again; The seller can only inquire about payment for goods and whether arrive account, mustn't go to permission, can not from the account payment for goods be taken away.
8, network business platform according to claim 7 is characterized in that: if the buyer is the registered user, set up margin account in payment and settlement system, then
Described payment and settlement system can directly put payment for goods under intermediate account from buyer guaranty money.
9, according to claim 1 or 7 described network business platform, it is characterized in that:, in payment and settlement system, set up margin account, then if the seller is the registered user
Described payment and settlement system can directly put payment for goods under seller guaranty money from middle account.
10, network business platform according to claim 2 is characterized in that: described trade confirmation information comprises that also the goods of logistics company sends to information;
Described goods is sent to information by after sending at goods or can't having sent to, and with the traffic condition of goods, submits the transaction control system to, and in the transaction control system record.
11, network business platform according to claim 1, it is characterized in that: described negotiation and affirmation system are after both parties confirm purchasing contract, can accept the request of negotiation again that either party proposes at any time, make both parties reach purchasing contract and affirmation again, submit payment and settlement system and transaction control system again to the distribution of conclude the business own and intermediate account payment for goods.
12, network business platform according to claim 1 is characterized in that: described payment and settlement system, payment for goods put intermediate account under and take out payment for goods from middle account, can realize by Web bank.
13, network business platform according to claim 1 is characterized in that: can also comprise: the commodity displaying system;
Described commodity displaying system offers the network seller's merchandise news, and when the buyer determined to buy a certain commodity, the commodity displaying system submitted to the agreement generation system to generate the purchasing contract of these commodity.
14, network business platform according to claim 1 is characterized in that: can also comprise: platform management system;
The service that described platform management system provides management and supports all systems in the platform.
15, a kind of method of commerce of business platform realization Network Based is characterized in that: comprise the steps:
Step 1, generate purchasing contract by the buyer or the seller;
Step 2, both parties' negotiation, affirmation purchasing contract;
Step 3, open intermediate account, payment for goods is deposited in the intermediate account, after the seller confirms, send goods by the buyer;
Step 4, buyer's goods receive, and confirm errorless after, send confirmation; After receiving buyer's confirmation, the seller can take out payment for goods from middle account, perhaps directly the seller is set aside in payment for goods.
After step 5, the Transaction Success, nullify the intermediate account that step 3 is opened.
16, the method for commerce of business platform realization Network Based according to claim 15, it is characterized in that: described step 1, the buyer finds product or the demand information of the seller by the buyer is submitted to that will buy by the commodity displaying system, generates purchasing contract by buyer/seller.
17, the method for commerce of business platform realization Network Based according to claim 15, it is characterized in that: in the described step 3, described intermediate account has following attribute:
The buyer can not unilaterally propose back payment for goods after the account deposits payment for goods in again; The seller can only inquire about payment for goods and whether arrive account, mustn't go to permission, can not from the account payment for goods be taken away.
18, the method for commerce of business platform realization Network Based according to claim 15, it is characterized in that: in the described step 4, have only after the normal affirmation information of goods being delivered to the buyer of receiving logistics company and the buyer confirm affirmation information that goods normally delivers to, just allow the seller to take out payment for goods or automatically payment for goods is put under seller's account.
19, the method for commerce of business platform realization Network Based according to claim 15 is characterized in that: in whole process of exchange, can each link of transaction be introduced insurance company middle guarantee is provided, control transaction risk.
20, the method for commerce of business platform realization Network Based according to claim 15, it is characterized in that: before the described step 1, the buyer who concludes the business and the seller must register, and real information is provided, and have account in network business platform.
21, the method for commerce of business platform realization Network Based according to claim 15, transaction it is characterized in that: if can not be carried out smoothly, middle have the delay behavior as certain side, by network business platform, presses dealing money number percent and hand over overdue fine to give the opposing party.
22, the method for commerce of business platform realization Network Based according to claim 18, it is characterized in that: before the described step 1, logistics company must be registered, and real information is provided, and has account in network business platform.
23, the method for commerce of business platform realization Network Based according to claim 15 is characterized in that: in described step 3 and the step 4, payment for goods puts intermediate account under and takes out payment for goods from middle account, can realize by Web bank.
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| CN 200410029642 CN1674012A (en) | 2004-03-26 | 2004-03-26 | Network business platform and realizing method thereof |
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| CN 200410029642 CN1674012A (en) | 2004-03-26 | 2004-03-26 | Network business platform and realizing method thereof |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103729772A (en) * | 2013-02-18 | 2014-04-16 | 朱锐泷 | System and method for open type e-commerce facing to process |
| CN103927659A (en) * | 2014-04-18 | 2014-07-16 | 刘志望 | Immediate transfer and secure payment method of virtual currency |
| CN104134146A (en) * | 2013-05-08 | 2014-11-05 | 厦门科易通宝网络科技有限公司 | Technology transaction system and technology transaction method |
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| CN103927659A (en) * | 2014-04-18 | 2014-07-16 | 刘志望 | Immediate transfer and secure payment method of virtual currency |
| CN104484806A (en) * | 2014-11-07 | 2015-04-01 | 温崇维 | Creation service transaction system |
| CN104867045A (en) * | 2015-04-30 | 2015-08-26 | 陈仁滨 | Trading system for customizing divided payments by user, and trading method thereof |
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