CN1731433A - Payment ensurance ticket - Google Patents
Payment ensurance ticket Download PDFInfo
- Publication number
- CN1731433A CN1731433A CNA2004100555923A CN200410055592A CN1731433A CN 1731433 A CN1731433 A CN 1731433A CN A2004100555923 A CNA2004100555923 A CN A2004100555923A CN 200410055592 A CN200410055592 A CN 200410055592A CN 1731433 A CN1731433 A CN 1731433A
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- CN
- China
- Prior art keywords
- payment
- buyer
- ensurance
- ticket
- seller
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Abstract
The invention relates to a payment guarantee bond. When buyer pays the cash to the appropriate authority, it pays to the buyer the payment guarantee bond after it receives the order. When the seller knows the buyer obtains the payment guarantee bond, he should pay the goods to the buyer; when the buyer receives and contents with the goods, he may in time sends the order to the appropriate authority to pay the cash.
Description
Technical field
The present invention relates to the Payment ensurance ticket in a kind of economic trade.
Background technology
Existing internet business and phone trading, for control buyer's payment for goods by the underwriter, treat that the seller is with dilivery of freight, after the buyer receives that goods sends payment payment for goods instruction, guarantee that the talent pays payment for goods the seller's the modes of payments, because of the buyer is lacked constraint, cause the underwriter to be difficult in time to receive the buyer's of the thing of receiving instruction, thereby can not in time pay the seller to payment for goods.
Summary of the invention
After making the buyer check and accept goods, in time instruct the underwriter to pay payment for goods, the invention provides a kind of Payment ensurance ticket to the seller.
The technical solution adopted for the present invention to solve the technical problems is: have the buyer when the appropriate authority trustship is paid in payment for goods, to the appropriate authority payment obtain can be learnt by the seller, and can received that the buyer pays the Payment ensurance ticket of cashing after the instruction of payment for goods to the seller by appropriate authority.
The invention has the beneficial effects as follows, after the seller learns that the buyer obtains Payment ensurance ticket, can feel more relieved to buyer's hand over of goods; The buyer in order to cash Payment ensurance ticket, will in time instruct appropriate authority to pay payment for goods to the seller after receiving that seller's goods acceptance is satisfied.
Embodiment
The said Payment ensurance ticket of the present invention can be voucher in kind, and the buyer can directly obtain after paying corresponding fund to appropriate authority.Payment ensurance ticket also can be virtual account record.The buyer can be that the buyer keeps accounts by appropriate authority by internet or phone after the appropriate authority intermediate account changes money, and the buyer has just obtained the Payment ensurance ticket of certain number.The buyer can ask for voucher in kind afterwards, also can need not voucher in kind, and with the record form the basis of the computer system of appropriate authority with very high public trust.Measures such as appropriate authority can back up with magnetic, paper backup or optical disc backup are assisted.In addition, Payment ensurance ticket can be provided with certain cashing the phase.
Payment ensurance ticket makes the buyer buy to appropriate authority by appropriate authority, have only the buyer to instruct appropriate authority to transfer the payment for goods of trustship to the seller after, appropriate authority is just cashed Payment ensurance ticket to the buyer.After having cashed, the buyer has just had the flexible right of eminent domain for corresponding all funds.
On the intermediate account of appropriate authority, the intermediate account that this account can register Payment ensurance ticket that the buyer purchases with appropriate authority is same account to the buyer with the payment for goods trustship.The buyer had no right arbitrarily to fetch payment for goods and haves no right unconditionally to cash Payment ensurance ticket in certain time limit.After the buyer surpasses certain time limit, instruct appropriate authority again when the seller pays payment for goods, just can not fully cash Payment ensurance ticket.
For require the buyer buy Payment ensurance ticket what determine that it is unified definite in proportion press loan amount by appropriate authority, also can be consulted voluntarily to determine by both parties.Be to reduce transaction cost, play effect of contraction simultaneously again, Payment ensurance ticket generally should be advisable with the ratio of the per mille to percent 20 of payment for goods.The payment for goods ratio is big more, and this ratio should be more little.Perhaps also can unify to stipulate a fixed proportion.
The seller and the buyer can stipulate in trade agreement that the buyer pays time limit of the seller with payment for goods, can be set by the either party, and the buyer and the seller all can inquire about.When surpassing this time limit, the prolongation that appropriate authority can be in time and reduce this Payment ensurance ticket gradually, and will reduce part and cash, money is changeed pay a seller.This time limit also can please the seller prolong or the prolongation of notice appropriate authority by the buyer according to receiving the payment for goods situation.If the seller mismatches, can handle by judicial.
For the mode of reducing of Payment ensurance ticket, can set by appropriate authority is unified, also can consult to determine according to different situations by both parties.
If, can consult by both parties because of cargo mass or time of delivery cause dispute, or judicial the processing, with the payment of loan on guarantee and rationally cashing of Payment ensurance ticket.
For preventing the agreement of concluding the transaction, after buyer's payment for goods was frozen, counter the teaching of the seller do not supplied.Appropriate authority can make and sell direction appropriate authority purchase seller payments assurance certificate before trustship buyer payment for goods.The buyer can inquire seller payments and guarantee certificate and cash the time limit.When the buyer has checked and accepted goods, when instruction was paid the seller with payment for goods, appropriate authority just can be cashed seller payments and guarantee certificate.Guarantee what of certificate for requiring the seller to buy seller payments, can be with reference to buyer paid being guaranteed determining of certificate.
If the seller supplies not according to agreement, appropriate authority can be reduced seller payments and be guaranteed certificate.If payment for goods as yet not before the trustship both parties consult to agree the transaction Halfway Stopping, the buyer can make appropriate authority that seller payments is guaranteed that certificate cashes in advance.
If the seller is in batches to buyer's hand over of goods, the buyer also can instruct appropriate authority that the seller is paid in payment for goods in proportion in batches.Appropriate authority can make the corresponding Payment ensurance ticket of in batches cashing respectively in proportion separately with the seller of the buyer.If the buyer instructs appropriate authority that the seller is paid in payment for goods by being less than corresponding proportion in batches, appropriate authority must correspondingly be reduced buyer paid and be guaranteed certificate.
For encouraging the buyer in time to assist the seller to receive payment for goods, the seller also can state the morning and evening of paying the payment for goods time by the buyer in advance, and symbol is received a part of payment for goods less, with this as the compensation of the buyer being bought buyer paid assurance certificate.The time of dragging, long more compensation was few more, up to failure of consideration.The interest that buyer's payment for goods trustship phase produces also can be used as a kind of compensation of the buyer being bought Payment ensurance ticket, but the deadline that this interest is transferred to compensation should be set.
The buyer also can make the former account of the buyer corresponding with the appropriate authority intermediate account, and the seller also can make the same therewith intermediate account correspondence of the former account of the seller, just needs a side that one corresponding password is set earlier, tells the opposing party with the account number and the corresponding password of intermediate account again.The buyer just can directly enter this intermediate account with the seller and inquire about relevant situation like this; The buyer and the seller also can enter this intermediate account and inquire about relevant situation by the former account's account number and the guiding of password of oneself.The buyer and the seller enter this intermediate account, can only inquire the quantity and relevant time limit of payment for goods and the other side's Payment ensurance ticket.Payment for goods and buyer paid guarantee certificate can be only hereinto between the account show, but actual trustship is the former account of the buyer, and with the unique commentaries on classics money whereabouts of the former account of the seller as payment for goods, buyer's desire instruction appropriate authority is paid payment for goods to the seller, can use oneself former account's account number and password to carry out; And seller payments guarantee certificate also only hereinto between the account show that but actual trustship is the former account of the seller, the seller desires to make payment for goods to separate trustship, can use the seller's oneself former account's account number and password to carry out.In addition, payment for goods and buyer paid guarantee that certificate and seller payments guarantee that certificate is also directly between trustship hereinto in the account, the former account of the seller is as unique commentaries on classics money whereabouts of payment for goods, and the buyer can use the account transfer cipher instruction appropriate authority of its ad hoc this intermediate account of correspondence to transfer payment for goods to the seller former account, sells the account transfer cipher instruction appropriate authority that can use its ad hoc this intermediate account of correspondence and trustship is separated in payment for goods goes back to the former account of the buyer.
If after payment for goods is in trust, both parties consult to agree the transaction Halfway Stopping, the seller instructs appropriate authority that payment for goods is separated after trustship transfers the former account of the buyer to, and appropriate authority can make the Payment ensurance ticket of both parties cash automatically, and fund goes back to original account of each side separately automatically.
The buyer and the seller can also set up an intermediate account by each comfortable appropriate authority, tell the opposing party by a side with the corresponding password of intermediate account account number and setting then, set up two account's corresponding relations by the opposing party.
In addition, has a kind of known way as closing mechanism, when requiring the buyer or the seller in the transaction payment process, must buy Payment ensurance ticket, both parties carry out transaction payment by this appropriate authority, the either party just can need not inquiry transaction the opposing party and whether buy Payment ensurance ticket, just can assert and learn promptly that also the other side has bought Payment ensurance ticket.
Claims (7)
1. Payment ensurance ticket is characterized in that having the buyer when the appropriate authority trustship is paid in payment for goods, to the appropriate authority payment obtain can be learnt by the seller, and can received that the buyer pays the Payment ensurance ticket of cashing after the instruction of payment for goods to the seller by appropriate authority.
2. according to the described Payment ensurance ticket of claim 1, it is characterized in that appropriate authority makes the buyer after the appropriate authority purchase has only the buyer to instruct appropriate authority to transfer payment for goods to the seller, the Payment ensurance ticket that appropriate authority is just cashed to the buyer.
3. according to the described Payment ensurance ticket of claim 1, it is characterized in that having with the record of computer system Payment ensurance ticket as the account record of foundation.
4. according to the described Payment ensurance ticket of claim 1, it is characterized in that having the Payment ensurance ticket that afterwards to ask for voucher in kind as account record.
5. according to the described Payment ensurance ticket of claim 1, it is characterized in that having Payment ensurance ticket as voucher in kind.
6. according to the described Payment ensurance ticket of claim 1, it is characterized in that having and after the buyer surpasses certain time limit, instruct the Payment ensurance ticket that when the seller pays payment for goods, just can not fully cash again.
7. according to the described Payment ensurance ticket of claim 1, it is characterized in that having appropriate authority before trustship buyer payment for goods, make and sell that the direction appropriate authority buys, the buyer can inquire, appropriate authority just can be cashed when buyer's instruction is paid the seller with payment for goods, if the seller payments that the seller will be reduced not according to the agreement supply of material guarantees certificate.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2004100555923A CN1731433A (en) | 2004-08-07 | 2004-08-07 | Payment ensurance ticket |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2004100555923A CN1731433A (en) | 2004-08-07 | 2004-08-07 | Payment ensurance ticket |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1731433A true CN1731433A (en) | 2006-02-08 |
Family
ID=35963779
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2004100555923A Pending CN1731433A (en) | 2004-08-07 | 2004-08-07 | Payment ensurance ticket |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1731433A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017012043A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Electronic certificate payment information transmission method, device and system |
-
2004
- 2004-08-07 CN CNA2004100555923A patent/CN1731433A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017012043A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Electronic certificate payment information transmission method, device and system |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20060208 |