CN1987919A

CN1987919A - Exciting method and system for enterprise credit in electronic business

Info

Publication number: CN1987919A
Application number: CNA2006100540005A
Authority: CN
Inventors: 孙启亮
Original assignee: Individual
Current assignee: Individual
Priority date: 2006-10-30
Filing date: 2006-10-30
Publication date: 2007-06-27

Abstract

The invention discloses a credit motivation system, including: regulatory system for regulatory design of e-commerce activities; trading information processing systems for collecting, analyzing and displaying information of product quality and credit; enterprise risk financing system for financing and managing the enterprises within the website; logistics risk system for insuring logistics and managing logistics risk; freight damage auction system for losses settlement of insurance services; entrust system for online payments and contract review, preservation, implementation and monitoring. The present invention of electronic business credit motivation can reduce the product quality risks, logistics risks and promote the sound development of e-commerce. Meanwhile, it also provides a new low-cost operating system and method for banking, insurance and logistics.

Description

Business standing motivational techniques and system in the ecommerce

Technical field

The present invention relates to business standing excitation and the disposal route and the system that reduce transaction risk in the e-commerce website.

Background technology

From the angle of information utilization, enterprise is as follows in the characteristics and the problem in sale, financing, three fields of logistics in the traditional commerce:

Enterprise must the traditional marketing channel cost of payment in traditional business transaction pattern (as the exhibition room expense in market etc.), so that product quality, performance are showed the buyer more intuitively, and after obtaining the trust of buyer, be sold to the buyer to product quality, its information transmission effect is good but cost is higher.Enterprise is in traditional financial business, especially medium-sized and small enterprises, and fail the financial position of own enterprise, profitability are passed to bank truly and bank is believed, thereby improved the bank loan cost of enterprise, also improve simultaneously bank to the cost of business standing examination and the risk of loan, caused really creating the loan main body of the medium-sized and small enterprises and the non-banking of economic benefit.Though logistics system in the traditional commerce activity or industry development are rapidly, risk is difficult to management and control, and its main cause is because the competition of insurance company.After a tame high risk logistics company is bought insurance and repeatedly is in danger, after its real risk information is understood by the business service of current period by insurance company, will do suitably to raise (if this logistics company next period continuation of insurance) according to the real risk degree to premium that its next period receives.This logistics company may think that then it is very normal buying the insurance Claims Resolution that is in danger, and should not raise premium, and since asymmetric this logistics company of information can be easy on the market of competition, buy insurance in another insurance company of family with same low premium.

The present situation and the problem of ecommerce are as follows:

Though on-line payment, the instant messaging technology of ecommerce have now had very big development, compare with traditional commercial affairs, the product quality risk that first buyer is faced is still than higher.Though the second logistics running is similar to traditional mode, but because the enterprise of ecommerce or the mailbag that the seller consigned, the thing in the express delivery parcel mostly are commodity (and non-traditional file parcel etc.), carrying goods damage risk and personnel's moral hazard that this has just strengthened express company show that like this risk of the logistics link in B2C (Business To Customer), C2C (Customer ToCustomer) field has just obviously improved.Thereby this buyer does not know the product quality information seller and does not know the situation of logistics risk information, had a strong impact on the broad development of ecommerce.

Existing several patents is as follows to the solution of the problems referred to above:

Aspect prestige on quality, existing number of patent application is that two patents of 200510096202.1 and 200510096203.6 are to finish online in real time, remote detection product by product observing and controlling function system and product information is intuitively understood, but the technology application cost is higher.

Aspect goodwill and financing credit, existing number of patent application provides a kind of rating model based on both parties' degree of belief in the e-commerce system of historical information for 200410041682.7 patent.Number of patent application is that 01802572.2 patent is based on a virtual market with central management form and both parties' prestige is assert and is graded.Number of patent application provides such transaction system for 01807227.5 patent, and at first system grades to it in the information such as qualification prestige of traditional market according to enterprise, according to its risk data in e-commerce transaction grading is regulated and control then.

The common defects of above-mentioned three patents is: be that the behavior video data (as traditional enterprise credibility evaluation information) that produces under which type of mechanism is not considered to historical information 1.If inconsistent with mechanism in the E-commerce market, the systematic risk that bigger standing evaluation then occurs is possible; 2, carry out the credit of central type based on a unified model or system, the concrete restrictive condition to concrete enterprise does not take in, the corporate client that makes credit face the different restrictive conditions of rapid growth is difficult to carefully add analysis, and the dynamic change of more main is restrictive condition is difficult to derive corresponding new credit method, thereby the possibility that system risk extensively and dynamically occurs is arranged; 3, this transaction is little with expection transaction correlativity.The single trading volume is generally less relatively in B2B (BusinessTo Business), B2C (Business To Customer), C2C (Customer To Customer) market, thereby credit evaluation result itself is little to the expectancy of enterprise, and enterprise's risk in violation of rules and regulations is just bigger like this.So influencing the trip in future of enterprise by the expection excitation is can be better to its evaluation prestige according to historical data and existing risk behavior than only.Number of patent application is that 01802572.2 patent and number of patent application are the system of the credit evaluation in 01807227.5 the patent in addition, also not to the false credit of enterprise is evaluated information assume financial responsibility for the loss that transaction causes between enterprise because of its system itself.

Aspect logistics, number of patent application is that the patent of 01109270.X and 200510028880.4 all is to adopt the indirect dispensing mode of transferring equipment, and the moral hazard problem in the unresolved ecommerce logistics.

Summary of the invention

In view of the above problems and analyze, credit system and method to enterprise in the E-commerce market that the present invention is desirable to provide is the expection excitation system and the method for a dispersion cooperation of deriving flexibly under certain regulation, continue, stablize, develop healthily to be fit to ecommerce, make the sincere environment of each link of the system of ecommerce, promote development and national economy.

For solving the problems of the technologies described above, the objective of the invention is to be achieved through the following technical solutions:

The invention provides the credit motivation system of interior enterprise of a kind of e-commerce website or businessman, this system comprises: e-commerce website regulation system is used for certain regulation design is carried out in e-commerce initiative in the website; Trading activity information handling system (or product quality prestige disposal system) is used for the enterprise product prestige on quality is carried out information acquisition, analysis and demonstration; The Corporate finance risk system is used for the enterprise in the website (or seller) is financed and the financing risk management; Logistics risk system is used for the management of logistics insurance and logistics risk; Goods damage auction price system is used for design by special auction mechanism to finish the insurance service that loss of goods is settled a claim; Trust system is used for on-line payment and contract audit, contract preservation, contract execution, contract monitoring.

The feature of described credit motivation system is a system that disperses the cooperation excitation; For trading activity information handling system, Corporate finance risk system, logistics risk system, goods damage auction price system, be widely used in independently chance is provided in the whole national economy.

The e-commerce website regulation system that described credit motivation system is included, its feature comprises at least: to the regulation of trading activity information handling system, to the regulation of Corporate finance risk system, to the regulation of logistics risk system, to the regulation of goods damage auction price system, to charging between the regulation of trust system, each system or free mode is shared the regulation of information and data.

The included trading activity information handling system of described credit motivation system comprises collecting unit, analytical model unit, database server unit at least, shows rank unit, search unit.

The included Corporate finance risk system of described credit motivation system comprises bank service information display unit, collecting unit, analytical model unit, the bank loan agreement administrative unit to enterprise at least.

The included logistics risk system of described credit motivation system comprises insurance logistics service display unit, collecting unit, analytical model unit, insurance logistics contract management unit at least.

The goods damage auction price system that described credit motivation system is included comprises goods damage information display unit, auction price unit, Claims Resolution unit at least.

The included trust system of described credit motivation system comprises audit unit, storage unit, payment unit, monitoring unit, performance element at least.

The invention provides the credit motivational techniques of interior enterprise of a kind of e-commerce website or businessman, this method comprises: e-commerce website regulation method, certain regulation design is carried out in e-commerce initiative in the website; Trading activity information processing method (or product quality prestige disposal route) carries out information acquisition, analysis and demonstration to the enterprise product prestige on quality; The Corporate finance risk method is financed and the financing risk management to the enterprise in the website (or seller); The logistics risk method is used for the management of logistics insurance and logistics risk; Goods damage auction price method, the design by special auction mechanism is to finish the insurance service that loss of goods is settled a claim; The trust method is handled on-line payment and contract audit, contract preservation, contract execution, contract monitoring.

The feature of described credit motivational techniques is methods of disperseing the cooperation excitation; Thereby trading activity information processing method, Corporate finance risk method, logistics risk method, goods damage auction price method all can be widely used in the whole national economy independently.

The e-commerce website regulation method that described credit motivational techniques are included, its feature comprises at least: to the regulation of trading activity information handling system, to the regulation of Corporate finance risk system, to the regulation of logistics risk system, to the regulation of goods damage auction price system, to charging between the regulation of trust system, each system or free mode is shared the regulation of information and data.

The included trading activity information processing method of described credit motivational techniques comprises acquisition method, analysis and modelling method at least, shows arrangement method, searching method.

The included Corporate finance risk method of described credit motivational techniques comprises bank service method for information display, acquisition method, analysis and modelling method, the bank loan agreement management method to enterprise at least.

The included logistics risk method of described credit motivational techniques comprises insurance logistics service display packing, acquisition method, analysis and modelling method, insurance logistics contract management method at least.

The included goods damage auction price method of described credit motivational techniques comprises goods damage method for information display, auction price method, Claims Resolution method at least.

The included trust method of described credit motivational techniques comprises checking method, storage means, method of payment, method for supervising, manner of execution at least.

The present invention has the following advantages:

Credit motivational techniques of the present invention and system have made full use of the characteristics of e-commerce technology, design and running that the expection of cooperating by the dispersion of deriving flexibly under certain regulation encourages, reduced product quality risk and logistics risk that both parties were concerned about, developed in a healthy way to promote ecommerce.Simultaneously, also provide new operating system cheaply and method for bank, insurance and logistics.

Description of drawings:

Below in conjunction with the drawings and specific embodiments the present invention is described in further detail.

Fig. 1 is the exchange information processing method process flow diagram of existing online payment system;

Fig. 2 is the system construction drawing of existing information data treatment technology;

Fig. 3 is a credit motivation system principle assumption diagram of the present invention;

Fig. 4 is a credit motivational techniques schematic flow sheet of the present invention;

Fig. 5 is a bank financing credit information process flow detail drawing of the present invention;

Fig. 6 is a product quality prestige scoring financing detail drawing of the present invention;

Fig. 7 is product quality prestige scoring of the present invention and order financing detail drawing.

Embodiment

From information and market promotion angle, ecommerce has two big technical characterstics: the one, and information shows low-cost advantage.By trust or payment platform, e-commerce website can write down the information data of all online business contacts of any one company on it, transmits afterwards and shows these information datas so that commercial the application.So can low-costly use this type of instrument to the credit building field.The 2nd, Marketing Supervisor (e-commerce website such as EBAY) is on the throne.E-commerce website can carry out certain regulation design to its market, to reach the low cost of the market risk is evaded, and realizes the optimal risk management that excitation is compatible.This manages financial risks just as the central bank just can use financial instrument better by the design of certain regulation, e-commerce website also need by certain regulation design just better the application message technical tool come the enterprise on the e-commerce website is carried out credit management.

Core concept of the present invention is: make full use of the two big technical characterstics that ecommerce is different from traditional market economy, expection excitation system running by the concrete down derivatization flexibly of certain regulation (can produce the incentive measure of respective depth) according to the degree of ripeness in market, reach and improve constantly electronic business reliable, the purpose of reduction ecommerce risk.

Exchange information processing method flow process as the existing online payment system of Fig. 1 is as follows: the first step, and the buyer passes to purchase order information trust and squeezes into trust account ordering fund after selecting commodity by E-commerce market; In second step, trust is issued the purchase order information payment information seller and is notified the seller to deliver; In the 3rd step, seller's delivery is also notified the buyer; In the 4th step, the buyer examines goods successfully, and the notice trust is paid the bill to the seller; The 5th step seller receives fund, closing the transaction.

As the system construction drawing of the existing information data treatment technology of Fig. 2, acquisition system is used for gathering the behavioural information data by the acquisition mode that presets, as the trading activity data, and institute's image data is passed to analytic system and database server; Analytic system is used for by the model of certain analysis thinking design image data variable classification conversion back being gone out the result by Model Calculation, and the result is passed to database server; Database server is used for storage and maintenance from gathering, analyze the gained data; Information display system is used for database data is shown by certain demand or the presetting rule information of carrying out, is beneficial to commerce or other application.

As Fig. 3 is credit motivation system principle assumption diagram of the present invention

A is an e-commerce website regulation system, and its concrete feature comprises at least:

The regulation e-commerce website, according to the model appraisal result, shows product and enterprise's rank, and supports the product search and the rank of certain price range with certain scoring model analysis product quality information;

Stipulate that bank can provide a loan to business standing according to the scoring of enterprise product prestige on quality, also can combine to the business standing loan, can mark to enterprise product prestige according to enterprise's situation of refunding simultaneously and carry out bonus point deduction of points or other processing according to business event order and the scoring of product quality prestige; Treaty content determines that by loan enterprises and bank the audit of both sides' contract, preservation, execution, monitoring and on-line payment can entrust the Fiduciary of this website to carry out; Can stipulate that also an enterprise obtains loan to a bank only in a period of time, and to enterprise's interior publicity of standing in violation of rules and regulations;

The regulation support value the insurance and carrier's liability insurance be same insurance company; An insurance company becomes an insurance logistics service bundle with a plurality of logistics companies, and a logistics company must not appear in two insurance logistics service bundles simultaneously; Introduce many families insurance logistics service bundle, so that diversified emulative service to be provided; Insurance company is as the logistics risk supvr, logistics company with its cooperation is carried out the pre-period management of risk, and the content of underwrite logistics service display unit shows and logistics company service rank, the analysis of analytical model unit and modelling, the contract information management (removing the logistics subelement) of contract management unit; The co-operative contract of insurance company and logistics company can entrust this website Fiduciary to carry out on-line payment and contract audit, contract preservation, contract execution, contract are monitored, and violation company is carried out publicity;

The regulation logistics company provides goods damage information, (but also each insurance company chooses) goods damage auction price mechanism and method and bulletin are chosen in the e-commerce website unification, (policy clause of supporting value here has this content according to the auction price result service of settling a claim in insurance company, and before the client buys the insurance of supporting value prompting and inform the client), Fiduciary carries out publicity to violation company;

Selectable goods damage auction price mechanism and method comprise:

First kind of goods damage auction price mechanism and method: insurance company announces the highest setting loss valency, and buyer, seller auction price at goods damage information afterwards, limits and the design of valency level is clapped downwards as 5 yuan of one-levels by the regular hour.If minimum auction price is higher than the highest setting loss valency, then insurance company takes the maintenance Claims Resolution, returns to buyer or seller (to generally returning to the insurer after the maintenance of goods damage goods) after promptly damaged goods being keeped in repair; If minimum auction price is lower than the highest setting loss valency, then insurance company takes the auction price Claims Resolution, and promptly auction price is hanged down the goods and the goods damage auction price amount of money that the person obtains damaging.

Second kind of goods damage auction price mechanism and method: insurance company announces the highest setting loss valency, and buyer, seller and other auction price persons auction price at goods damage information afterwards, limits and the design of valency level is clapped downwards as 5 yuan of one-levels by the regular hour.If minimum auction price is higher than the highest setting loss valency, then insurance company takes the maintenance Claims Resolution; If minimum auction price is lower than the highest setting loss valency and minimum auction price person is buyer or seller, then insurance company takes the auction price Claims Resolution; If minimum auction price is lower than the highest setting loss valency and minimum auction price person is other auction price persons, then insurance company takes the third party to settle a claim, be that the low person of auction price subtracts its auction price of being reported with the goods original cost and buys the goods of damage from the seller, insurance company reports the auction price amount of money to return to the seller it.

The third goods damage auction price mechanism and method: insurance company does not announce the highest setting loss valency, auctions price by buyer, seller at goods damage information earlier, claps downwards as 5 yuan of one-levels by regular hour qualification and the design of valency level.Insurance company can choose maintenance Claims Resolution or auction price Claims Resolution after the auction price.

The 4th kind of goods damage auction price mechanism and method: insurance company does not announce the highest setting loss valency, auctions price by buyer, seller and other auction price persons at goods damage information earlier, claps downwards as 5 yuan of one-levels by regular hour qualification and the design of valency level.If minimum auction price is buyer or seller, insurance company can choose maintenance Claims Resolution or auction price Claims Resolution.If minimum auction price is other auction price persons, insurance company can choose maintenance Claims Resolution or third party's Claims Resolution.

The 5th kind of goods damage auction price mechanism and method: insurance company does not announce the highest setting loss price, earlier takes once quotation such as 5 yuan of one-levels by buyer, seller at goods damage information, and can't see the other side's quotation each other.Insurance company can choose maintenance Claims Resolution or auction price Claims Resolution after the auction price.

The 6th kind of goods damage auction price mechanism and method: insurance company does not announce the highest setting loss price, earlier take once quotation such as 5 yuan of one-levels by buyer, seller, other auction price persons at goods damage information, and any participant can't see other participant's quotation.If minimum auction price is buyer or seller, insurance company can choose maintenance Claims Resolution or auction price Claims Resolution.If minimum auction price is other auction price persons, insurance company can choose maintenance Claims Resolution or third party's Claims Resolution.

For insurance company logistics has been had the consideration of long-term incentive and Claims Resolution efficient, preferred auction price mechanism be the 3rd, five kind, but do not get rid of because special environment or independent consideration of using are taked one of all the other four kinds.Here six kinds of auction price mechanism restriction of price that do not start auction.In order to guarantee carrying out smoothly of goods damage auction price, all can comprise the design of corresponding complementarity regulation such as auction price promise breaking regulation to six kinds of mechanism.

Stipulate the promise that Fiduciary has treaty content to maintain secrecy to its contract of handling trust business of any trust;

Stipulate to take between each system to pay or shared information of free mode and data etc.

B1 is that the trading activity information handling system comprises collecting unit, analytical model unit, database server unit at least, shows rank unit, search unit;

Collecting unit is used for gathering enterprise relevant information (enterprise name, legal person, registered capital, affiliated industry, location by initialize program, business account, product category etc.), product related information (the product quality reputation information of product information, various trading volume data, buyer's feedback etc.), and be transferred to analytical model unit and database server unit;

The analytical model unit is analyzed Information Monitoring by certain design and is drawn scoring of product quality prestige and goodwill scoring, and is transferred to respectively under the product related information and enterprise's relevant information catalogue of database server unit;

The database server unit is used to set up enterprise content and products catalogue, and distinguishes storage and maintenance enterprise relevant information, product related information.Also can be used for providing the inquiry share service of other system;

Demonstration rank unit is pressed initialize program product is marked, enterprise is marked at its classification dynamic ranking according to enterprise according to product;

Search unit is used for the product of certain price range is complied with the search rank demonstration of scoring.

B2 Corporate finance risk system comprises the collecting unit, analytical model unit, bank of bank service information display unit, the information loan agreement administrative unit to enterprise at least;

The bank service information display unit is used to the financial product and the service that show that bank provides;

Collecting unit is used for by enterprise's relevant information and product related information in the database server unit of initialize program collection trading activity information handling system, and is transferred to the contract management unit;

The analytical model unit is analyzed the relevant information of contract administrative unit by initialize program, and advances funds for undertakings or other business provides foundation for bank;

The contract management unit is used to set up enterprise content and storage and maintenance enterprise relevant information, product related information and contract relevant information.

The C1 logistics risk system comprises collecting unit, analytical model unit, the insurance logistics contract management unit of insurance logistics service display unit, information at least;

Insurance logistics service display unit is used to show the service product of insurance logistics bundle, and the logistics company of insurance company of every family pair and its cooperation by contract the service quality scoring of administrative unit carry out the rank demonstration;

Collecting unit is used for gathering the insurance contract information and being transferred under the contract management unit insurance subelement client catalogue of supporting value; Gather carrier's liability insurance contract information and seller buyer to logistics company service feedback information and be transferred under this logistics company catalogue of contract management unit insurance subelement; By the summary information of the seller buyer under this logistics company catalogue of programmed acquisition contract management unit insurance subelement that presets to the goods damage relevant information under logistics company service feedback summary information, carrier's liability insurance contract summary information and auction price system this logistics company catalogue of Claims Resolution unit, and a logistics company service quality scoring model and back two a class summary information that this three classes summary information is transferred in the analytical model unit are transferred to carrier's liability expection premium computation model; The carriage contract information of collection seller and logistics company also is transferred under this logistics company catalogue of contract management unit logistics subelement;

(this depends on that each insurance company is to logistics service key element such as class of business, price, relative risk, the analysis-by-synthesis of transporting efficient and feedback information and evaluation by the logistics company service quality scoring model that presets in the analytical model unit, the model class of promptly marking is like R (Y1, Y2, Y3, Y4, Y5), Y1=class of business, Y2=price, Y3=relative risk (risk time percentage or risk amount of money ratio), Y4=transports efficient, the Y5=feedback information) calculate scoring, be transferred to the contract management unit; Carrier's liability expection premium computation model is used for by expection excitation risk management Contract Design and calculates final carrier's premium, is transferred to the contract management unit; Calculate by the instant premium of insurance model of the premium of insurance model of supporting value, logistics carrier's liability, the logistics freight charges model that preset;

Contract management unit insurance subelement is used to set up client's catalogue and stores the insurance contract information of supporting value; Set up each logistics company catalogue, storage expection excitation risk management contract information, carrier's liability insurance contract information and seller buyer are to logistics company service feedback information under its logistics catalogue; And can classify to above information and gather the total amount information that draws; Logistics subelement in contract management unit is used to set up each logistics company catalogue (be in charge of and safeguarded by each logistics company) and storage carriage contract information under each catalogue.

C2 goods damage auction price system comprises goods damage information display unit, auction price unit, Claims Resolution unit at least;

The goods damage information display unit is used to show logistics company record and the goods damage information of uploading (as the goods damage photo), and announces and notify seller, buyer, insurance company to understand the goods damage situation, carries out the goods damage auction price; The bulletin that also can show the goods damage auction price Claims Resolution mechanism of determining in addition at this;

The auction price unit is used to carry out goods damage auction price and auction price result notification (also be the notice about how to settle a claim, this embodies) in bulletin;

The Claims Resolution unit is used to set up the logistics company catalogue, stores goods damage relevant information (relevant information and the corresponding carrier's liability insurance contract information that comprise goods damage auction price result) down at it, and can classify to above information and gather the total amount information that draws.

The D trust system comprises audit unit, storage unit, payment unit, monitoring unit, performance element at least;

The audit unit is used to examine both sides' contract and whether satisfies the requirement of ecommerce regulation system and the requirement of contract itself;

Storage unit is used to store the contract (as the foundation of follow-up service) that audit is passed through, and writes down follow-up execution result under this contract catalogue; Also can be simultaneously the audit unit information support is provided;

Payment unit is used for carrying out third party's payment according to contract, and the both advised payment result; Transmit payment result simultaneously to storage unit;

Monitoring unit is used for according to contract both sides' violations being monitored;

Performance element is used for according to contract both sides' commission business being carried out, and the execution result both advised, transmits execution result simultaneously to storage unit.

The feature of credit motivation system of the present invention and method is to disperse the cooperation excitation: the prestige on quality scoring rank of trading activity system is recommended the buyer to real good product with prepreerence chance, bank lends the sincere formation excitation of enterprise by the prestige on quality scoring simultaneously by the best loan of the low-cost discovery of prestige on quality scoring rank client; Logistics risk system reduces the various risks that logistics company comprises moral hazard by the expection excitation risk management method of insurance logistics service bundle, and passes through the fair Claims Resolution of auction price system and reduce goods damage Claims Resolution cost; The trading activity system cooperates with the Corporate finance risk system and encourages enterprise to carry out sincere ecommerce, logistics risk system and auction price cooperative system excitation logistics are sincere and reduce the Claims Resolution cost, thereby trading activity system and Corporate finance risk system have reduced product quality risk and the logistics risk that both parties were concerned about with cooperating of logistics risk system and auction price system.

Fig. 4 is a credit motivation system method flow diagram of the present invention

Now as Fig. 4, enterprise or seller utilize network to login e-commerce website, and input relevant enterprise information and checking become website members, obtain online E-Payment account after, enterprise selects input relevant product information, price and affiliated classification and sells on the net.E-business network stands in this enterprise's relevant information of trading activity system acquisition and product related information and is transferred to the database server unit, information is received in the database server unit, set up this enterprise content and preserve enterprise's relevant information, set up the products catalogue of this enterprise and preserve product related information.

Now as Fig. 4, the product related information (as average single sales volume, Total sales volume, the pure return of goods time percentage, pure return of goods sales volume ratio, the rate of complaints) of this enterprise is gathered in the trading activity system acquisition unit of e-commerce website to the database server unit by the program that sets in advance; Transmit information data is to the analytical model unit; By the Q (X1 that is preset at analytic unit, X2, X3, X4, X5), wherein the similar products scoring model of the average single sales volume of X1=(or average sale), X2=Total sales volume (or total sales volume), the pure return of goods of X3=time percentage, the pure return of goods sales volume of X4=ratio, X5=the rate of complaints calculates the scoring of product quality prestige and is transferred to the database server unit; Database server stores product quality prestige is marked under this products catalogue of this enterprise; Show the rank unit, product classification under it is carried out the dynamic ranking demonstration by the prestige on quality scoring that is stored under the database server products catalogue; At the rank search need of search unit support to certain price range;

Gather each product total sales volume information and scoring of products catalogue, be transferred to the analytical model unit, by the E (P1 that is preset at analytic unit, P2, P3, Q1, Q2, Q3), the similar enterprises of the scoring of the scoring of the scoring of the total sales volume of the total sales volume of the total sales volume of P1=product 1, p2=product 2, p3=product 3, Q1=product 1, Q2=product 2, Q3=product 3 scoring model wherein, optimization model is E=(Q1*P1+Q2*P2+Q3*P3)/(P1+P2+P3), calculates the goodwill scoring, is transferred to the database server unit; The database server stores goodwill is marked under this enterprise content; Show the rank unit, enterprise's classification under it is carried out the dynamic ranking demonstration by the goodwill scoring that is stored under the database server enterprise content.

The purpose of rank like this, the first wishes by the advantage of e-commerce platform information sharing top-quality commodity in the website preferentially to be showed the buyer, reduces buyer's transaction cost; Because though the traditional market buyer can have impression intuitively to product, but because buyer and seller are man-to-man information game, the buyer is in the inferior position of information, the selection of suboptimum is often got a good buy by shopping around, even seller's sincerity but the seller may be the dealer, that is to say product from manufacturer to dealer, had certain information screen to fall.It two is the advertisement seats that the huge market demand and the second best in quality product and business of good standing are placed on tool commercial value, thereby excitation enterprise payes attention to quality and prestige.It three is that product quality prestige scoring or goodwill scoring having financing to be worth (because of the scoring of product quality prestige is the endogenous variable of goodwill scoring, so with product quality prestige scoring financing for example), thus excitation enterprise carries out e-commerce transaction lay equal stress on apparent mass and prestige.

Now as Fig. 4, the buyer enters E-commerce market according to the selected commodity of relevant informations such as product quality prestige and price, places an order.Bank can give Corporate finance according to product quality prestige or order.Enterprise's apply for loan.Bank gathers this company information and product information, analyzes and Model Calculation.As meeting the relevant regulations of bank loan, both sides negotiate an agreement, and sign loan agreement and also hand over the audit of this website D Fiduciary.If contract meets A e-commerce website regulation system and closes the content request of department itself, then audit is passed through; Monitoring and payment extend a contract after audit is responsible for by it by the back.Bank provides enterprise's loan by Fiduciary.After bank loan was given back by trust by enterprise, matter entrusted was carried out in trust by contract.(detailed process is seen Fig. 5,6,7 related description)

The business that traditional bank loan is professional and more existing banks all do not provide a loan at enterprise's anticipatory behavior in the face of the loan transaction of corporate client at e-commerce website.But, because the regulation of whole credit motivation system of the present invention and design make the credit expection motivational techniques of following financing loan become possibility.The feature of the credit expection motivational techniques of financing loan is by the relevant information of the loan of enterprise and refund credit being combined with the prestige on quality scoring, its expection being formed certain range of excitation; Prestige on quality scoring loan method can be used separately also and can be used in combination with other traditional financing method.The rank of product quality prestige scoring can be brought certain expected orders and expected profit to enterprise, and by enterprise's expected profit, bank then can determine the loan amount that conforms to business standing.Credit expection excitation financing loan method of the present invention mainly contains following two kinds: the one, and according to prestige on quality scoring loan, the 2nd, according to the loan of prestige on quality scoring and order.Concrete have following clause for example as according to the treaty content of the loan of being on mortgage of prestige on quality scoring: to do and to do in following 100 minutes credit underwriting in current 50 minutes, if enterprise according to the contract refunds smoothly, then reward prestige on quality scoring 5 minutes to enterprise, if breach of contract is refunded and is then deducted prestige on quality scoring 50 minutes, and deduct the prestige on quality scoring 100 minutes that following enterprise will accumulate, overall score just has the accumulation of growth after promptly following long-pending enough 100 minutes.These ranks will influence the chance and the portfolio of placing an order the future market.Also can make some as for this motivational techniques and limit more specifically being embodied in the A e-commerce website regulation system, 20% be used for the bank credit loan such as what stipulate the maximum available quality prestige scorings of enterprise.

After the production of finishing the order product, enterprise begins cargo transport and tells the buyer by trust, enters insurance logistics service bundle.Not only do the insurance service content that traditional market is done in this link insurance company, main is that logistics progress is expected that the excitation risk management is (by influencing the logistics company expection, it reduces the purpose of risk to reach excitation), to realize the situation of insurance, logistics, businessman, e-commerce website four directions win-win.Here the relevant regulation of insuring the logistics service bundle has play a part certain to the smooth running of this system.

Now as Fig. 4, service content (comprise different logistics companies accept the ability of commodity price, logistics zone etc.), marked price, service quality rank that enterprise or seller can check M insurance company and M1, M2, M3 logistics company in the M bundle display message at insurance logistics service display unit also can be checked N insurance company and N1, N2 in the N bundle display message, the service content of N3 logistics company, marked price, service quality rank.After relatively, begin to insure the logistics service selection course, enterprise or seller enter the service that collecting unit wishes to select the M bundle, click M insurance company insures to import and supports value insurance information (at this moment, support value insurance contract information and being transferred under the contract management unit insurance subelement client catalogue of collecting unit collection is preserved), and by Fiduciary's pay down premium, choose according to logistics company rank and marked price information etc. afterwards and click logistics company M2, input carriage contract information (at this moment, collecting unit is gathered carriage contract information and is transferred under this logistics company catalogue of contract management unit logistics subelement and preserves, gather the carrier's liability insurance contract information and be transferred under this logistics company catalogue of contract management unit insurance subelement and preserve), and by Fiduciary's pay down logistics cost, logistics company M2 is by the pay down carrier of Fiduciary premium simultaneously.Fiduciary is responsible for follow-up payment and monitoring matters (payment process and not shown in the diagram here) according to the long-term co-operative contract that this logistics company and insurance company sign respectively in payment unit and monitoring unit.The webpage of contract information input here is an information acquisition device in fact.In order to raise the efficiency, defeated single information of enterprise or seller can realize sharing in the insurance contract of supporting value here, carriage contract, the carrier's liability insurance contract; And according to the requirement of system when enterprise or seller click logistics company fill in and generate carriage contract after, promptly simultaneity factor generates the carrier's liability insurance contract automatically.

Traditional and insurance business existing e-commerce website are not all collected the method (that is to say piemium rate in the future, is to decide according to the overall risk rate that embodies in the future, thereby its expection is formed excitation) of premium to expection.Here because logistics company reduction risk is (as the introducing of equipment such as task management, personal management, GPS navigation) that cost is arranged, and because the incompleteness (the fuzzy of carrier's liability defines) of carrier's risk's insurance contract, make the logistics risk system of insurance logistics service bundle be designed to necessity, so afterwards design makes the appearance of calculated risk management method just become possibility.In general, cause the liability cause of goods damage that nature goods damage (goods damage that natural cause causes) and acknowledgement of consignment goods damage (goods damage that carrier's reason causes) are arranged.But in traditional business operation, reason owing to two aspects, support value fuzzy the defining of insurance contract (at natural cause) and carrier's risk's insurance contract (at carrier's reason) of one, it two needs carrier or the irrelevant person of interests that responsibility is put to the proof sometimes; Thereby caused liability cause not to be easily distinguishable, objectively encouraged the behavior of shirking one's responsibility of carrier's risk afterwards.More objective risk information procedure for displaying is, the carrier of different management systems and logistics equipment has different risk speciality, and different risk speciality show by behavior, just are presented as different goods damage return of goods rate (being different from pure return of goods rate); And this procedure for displaying is easy to low-cost the realization in e-commerce technology.Like this by damage rate of goods to carrier's fix duty, what effect then can be good is many.

The feature of logistics of the present invention expection excitation risk management method is: an insurance company becomes a logistics service bundle with a plurality of logistics companies, and a logistics company must not appear at simultaneously in two insurance logistics service bundles and promptly must not cooperate with how tame insurance company simultaneously; Introduce many families insurance logistics bundle, so that diversified emulative service to be provided; Insurance company is by the goods damage return of goods rate risk responsibility to be defined to the carrier's risk's of logistics company premium collection methods, and overall risk behavior (goods damage return of goods rate or relative risk) in the future certain hour is occurred in the expection motivational techniques that different goods damage return of goods rate sections are collected different piemium rates; Insurance company carries out the qualification of service range to the service of logistics company according to its degree of risk; Insurance company carries out overall ranking to the service of logistics company and shows.Concrete expection for example encourages risk management method: insurance company can sign the expection excitation risk management contract of long-term cooperation with logistics company; Contract is handed over the audit of D e-commerce website trust system and is responsible for follow-up payment and monitoring by it.The premium of insurance of contract is taked to collect immediately, but piemium rate formulation mode is taked the expection mode, is 6 ‰ to be the current monthly average return of goods rate of logistics company such as goods damage return of goods rate, then insurance company to decide piemium rate be 1 ‰; Instantly January, logistics company was through after improving operation control, and return of goods rate is 1 ‰, and then piemium rate is 0.2 ‰, and to instant before be in 1 ‰ premiums of collecting residue to be returned logistics company with piemium rate; When next month, return of goods rate was 9 ‰, insurance company thinks that serious moral hazard being arranged and collect piemium rate is 1%, the premium breach is deducted from the guaranty money of logistics company, and sufficient guaranty money is paid arrears in requirement, another purposes of guaranty money is that for example contractual spectifications is when the generation goods is loss and do not packed, and the twice that logistics company reparations missing cargo is worth is given insurance company.Here Guan Jian technology be exactly insurance company by certain information acquisition, suitable branch section is decided the design of piemium rate, reaches the compatible purpose of the expection of logistics company excitation.Real expection excitation is compatible must be satisfied logistics company:

Cost 〉=current income-current the cost of income one expection of expection,

Wherein cost comprises the logistics operation cost, reduces risk cost, premium of insurance

Take set equipment improvement such as logistics company in the last example, management improves, with its risk is that goods damage return of goods rate drops to 1 ‰ from 6 ‰, insurance company is shown to market with its service quality, it is that prospective earnings increase that such propaganda will make this logistics company portfolio increase, and the premium of insurance in the expected cost reduces simultaneously.When logistics company thinks that the current profit under expected profit under return of goods rate 1 ‰ situations and return of goods rate 6 ‰ situations satisfies above relational expression, then just can improve equipment.Here the calculating of goods damage return of goods rate is to utilize all the carrier's risk's contract summary information under the summary information of the goods damage relevant information under this logistics company catalogue of Claims Resolution unit and this logistics company catalogue of logistics risk system contract management unit insurance subelement to carry out.The advantage of such expection charge method is to reduce the logistics company moral hazard, the sincere reduction risk of managing of excitation; Reduce insurance company carries out dam site investigation after logistics is in danger cost.

Now as Fig. 4, the logistics buyer that freights checks and accepts no goods damage and satisfaction face to face, then signs for the end purchasing process.The buyer checks and accepts no goods damage face to face if logistics is freighted but because the dissatisfied return of goods that require of buyer are then signed for and write exactly the truth logistics progress earlier and finish, all the other problems are then coordinated the back by both parties and solved.The buyer has checked and accepted goods damage face to face if logistics is freighted, then enter goods damage auction price system, the logistics company personnel upload to the goods damage information display unit and notify buyer, seller, insurance company and other auction price person to enter auction price system understanding goods damage situation after the Taking Pictures recording goods damage situation then and there, carry out the Claims Resolution of goods damage auction price.Preferred goods damage auction price mechanism and method be the 3rd, five kind.After the Claims Resolution, M insurance company is kept at the goods damage relevant information under Claims Resolution unit corresponding M 2 catalogues and gathers, so that calculate M2 premium of insurance related data, auction price is for referencial use after also can be.

The Claims Resolution of traditional property insurance has two characteristics, and the first, insurance company must dam site investigation and setting loss, and the second, the setting loss price market of the perfect marketization is arranged, such as car damage identification perfect motor vehicle repair market is arranged.And in the ecommerce because professional region is wide, and the professional amount of money might be smaller such as mailbag, express delivery, causes the dam site investigation cost than higher; And product order class is various, and causing does not have perfect setting loss price market, thereby brings resistance for carrying out smoothly of insurance business.The characteristics of goods damage Claims Resolution of the present invention are: by the goods damage return of goods rate risk responsibility is defined; Logistics company provides goods damage information; Select auction price mechanism and method, goods damage is fixed a price by auction price mechanism and method; Insurance company chooses maintenance Claims Resolution or auction price Claims Resolution or third party's Claims Resolution after the auction price.For example as, be delivered to the buyer soon after, the buyer finds that phone housing has cut, buyer, seller propose auction price, insurance company's decision is maintenance Claims Resolution or auction price Claims Resolution.Such advantage is that fair Claims Resolution also reduces the Claims Resolution cost.

Last logistics risk system collecting unit is pressed initialize program and is gathered the seller buyer to logistics company service feedback information, is beneficial to the calculating of logistics company service quality scoring model; The trading activity system acquisition buyer of e-commerce website buys the feedback information behind the product, is beneficial to Q (X1, X2, X3, X4, calculating X5).(not shown)

Fig. 5 is of the present invention to be bank financing credit information process flow detail drawing

As Fig. 5, enterprise finances if desired, can select bank to obtain communication by the service content of bank service display unit, as sending enterprise's loan letter of intent to bank; After enterprise's loan letter of intent was received by bank, acquisition system was at first gathered the historical credit information that sees if there is this enterprise in bank to enterprise's loan agreement administrative unit automatically; If do not have, acquisition system is then gathered this enterprise's relevant information such as enterprise name, legal person, registered capital, affiliated industry, location to the database server unit of trading activity system, business accounts etc. are set up this enterprise content and are preserved enterprise's relevant information in the contract management unit; Arrive the database server unit of trading activity system afterwards and gather the current scoring of product quality prestige and each variate-value of Q function, transmission and storage relevant product information data are under this enterprise content of contract management unit; If have, then only need the database server unit of trading activity system to gather the current scoring of product quality prestige and each variate-value of Q function, transmission and storage relevant product information data are under this enterprise content of contract management unit;

Related data information under this enterprise content of transmission contract management unit is to the analytical model unit, and the input model analytical calculation judges whether and can provide a loan; If not, then notify enterprise to provide a loan, bank gathers and stores this information under this enterprise content of contract management unit; If bank and enterprise consult, and judge that if consulting successfully denys unsuccessful, then to notify enterprise to provide a loan, if success is then signed loan agreement with enterprise;

Bank hands over the trust audit to contract, and is judged by it and to need revision not, if need revision, then bank and enterprise consult, and judges that consulting successfully denys if need not revise, then to examine and pass through, and by responsible follow-up monitoring of trust and payment (this clause is arranged in the treaty content); Bank's storage contract is under this enterprise content of contract management unit; Bank provides enterprise's loan by trust; Receive the loan that enterprise is given back by trust; Bank gathers and stores this information under this enterprise content of contract management unit.

Fig. 6 is that the present invention is according to prestige on quality scoring financing detail drawing

Now as Fig. 6, in the 1st step, enterprise and b1 bank sign according to prestige on quality scoring loan agreement and storage contract under this enterprise content of contract management unit (detailed process is seen Fig. 5 and Fig. 5 explanation); In the 2nd step, b1 bank is by trust payment enterprise loan (dividing 2.1 and 2.2 liang of small steps as figure); In the 3rd step, b1 bank loan (dividing 3.1 and 3.2 liang of small steps as figure) is given back by trust by enterprise; In the 4th step, trust is handled the product quality prestige scoring of enterprise according to enterprise's refund situation according to loan agreement, and the both advised result; In the 5th step, b1 bank is stored in refund situation this time of enterprise and the related data on the date of refunding (not shown) under the message catalog of this enterprise of contract management unit.

Prestige on quality scoring loan also can be used in combination with other traditional financing method, and such advantage has: under the general trading volume of ecommerce was not very big situation, excitation enterprise carried out e-commerce initiative on e-commerce website.If the scoring of the prestige on quality of enterprise is not very high, be not enough to borrow needed fund, then the financing of prestige on quality scoring is not very big to the excitation of enterprise.The quality overall score is used in combination with other traditional financing method in this case, and required fund just can be borrowed by enterprise, and the excitation more and more enterprises is carried out e-commerce initiative on the net.

Fig. 7 is of the present invention according to prestige on quality scoring and order financing detail drawing

Now as Fig. 7, in the 1st step, buyer selected product and manufacturing enterprise also place an order and prepay 30% of the order amount of money and make deposit, pay manufacturing enterprise by third party's trust payment unit; The 2nd step, (treaty content has prestige on quality scoring mortgage clause for enterprise and the signing prestige on quality scoring of b2 bank and order loan agreement, third party's trust modes of payments clause, monitoring clause), the amount of the loan is such as being 50% of the order amount of money, and the storage contract is (detailed process is seen Fig. 5 and Fig. 5 explanation) under this enterprise content of contract management unit; In the 3rd step, b2 bank gives enterprise by the trust payment on account of credit; In the 4th step, after enterprise had produced product, the buyer freighted; In the 5th step, 70% cost of buyer's pay invoice amount of money is given Fiduciary; The 6th step, the loan agreement of trust instrument manufacturing enterprise and b2 bank, whole loans of payment b2 bank earlier; In the 7th step, trust is paid manufacturing enterprise the residue fund; In the 8th step, trust is handled the product quality prestige scoring of enterprise according to enterprise's refund situation according to loan agreement, and the both advised result; In the 9th step, b2 bank is stored in the order order amount of money this time of enterprise and prepayment situation, loan repayment situation and refund date related data under this enterprise content of contract management unit.

More than be in order to help to understand system and method for the present invention and core concept thereof to the explanation of embodiment provided by the present invention; Its purpose is not in order to be limited on the disclosed precise forms.Furtherly, method and step described in the invention do not rely on described particular form and particular order.Especially because the dispersion cooperation feature of credit motivational techniques of the present invention and system, the form that makes the dispersion statement of the present invention on the style of writing of places such as claims, instructions embodiment, neither influence the understanding of the integral body cooperation of credit motivational techniques and system, do not influence the understanding of the independent utility of credit motivational techniques and system, such as the statement of power in claims 1,2 and 5,6,7,8,9 yet.For one of ordinary skill in the art, according to method and system of the present invention, in embodiment, particular form and particular order and the range of application part that all can change.In sum, content of the present invention should not be construed as limitation of the present invention.

Claims

1, the invention provides the credit motivation system of interior enterprise of a kind of e-commerce website or businessman, it is characterized in that this system comprises:

E-commerce website regulation system, it comprises to the regulation of trading activity information handling system, to the regulation of Corporate finance risk system, to the regulation of logistics risk system, to the regulation of goods damage auction price system, to sharing the regulation of information and data between the regulation of trust system, each system, is used for certain regulation design is carried out in e-commerce initiative in the website; Trading activity information handling system (or product quality prestige disposal system), it comprises collecting unit, analytical model unit, database server unit, shows rank unit, search unit, is used for the enterprise product prestige on quality is carried out information acquisition, analysis and demonstration; The Corporate finance risk system, it comprises the collecting unit, analytical model unit, bank of bank service information display unit, the information loan agreement administrative unit to enterprise, is used for the enterprise in the website (or seller) is financed and the financing risk management; Logistics risk system, collecting unit, analytical model unit, insurance logistics contract management unit that it comprises insurance logistics service display unit, information are used for the management of logistics insurance and logistics risk; Goods damage auction price system, it comprises goods damage information display unit, auction price unit, Claims Resolution unit, is used for design by special auction mechanism to finish the insurance service that loss of goods is settled a claim; Trust system, it comprises audit unit, storage unit, payment unit, monitoring unit, performance element, is used for on-line payment and contract audit, contract preservation, contract execution, contract monitoring.

2, the invention provides the credit motivational techniques of interior enterprise of a kind of e-commerce website or businessman, it is characterized in that this method comprises:

E-commerce website regulation method is carried out certain regulation design to e-commerce initiative in the website; Trading activity information processing method (or product quality prestige disposal route) comprises acquisition method, analysis and modelling method, shows arrangement method, searching method, and the enterprise product prestige on quality is carried out information acquisition, analysis and demonstration; The Corporate finance risk method comprises bank service method for information display, acquisition method, analysis and modelling method, the bank loan agreement management method to enterprise, and the enterprise in the website (or seller) is financed and the financing risk management; The logistics risk method comprises insurance logistics service display packing, acquisition method, analysis and modelling method, insurance logistics contract management method, is used for the management of logistics insurance and logistics risk; Goods damage auction price method comprises goods damage method for information display, auction price method, Claims Resolution method, and the design by special auction mechanism is to finish the insurance service that loss of goods is settled a claim; The trust method comprises checking method, storage means, method of payment, method for supervising, manner of execution, handles on-line payment and contract audit, contract preservation, contract execution, contract monitoring.

3, included goods damage auction price system and the auction price method of credit motivation system as claimed in claim 1 or 2 and method can be selected:

First kind of goods damage auction price mechanism and method: insurance company announces the highest setting loss valency, and buyer, seller auction price at goods damage information afterwards, limits and valency level design bat downwards by the regular hour; If minimum auction price is higher than the highest setting loss valency, then insurance company takes the maintenance Claims Resolution, returns to buyer or seller after promptly damaged goods being keeped in repair; If minimum auction price is lower than the highest setting loss valency, then insurance company takes the auction price Claims Resolution, and promptly auction price is hanged down the goods and the goods damage auction price amount of money that the person obtains damaging;

Second kind of goods damage auction price mechanism and method: insurance company announces the highest setting loss valency, and buyer, seller and other auction price persons auction price at goods damage information afterwards, limits and valency level design bat downwards by the regular hour; If minimum auction price is higher than the highest setting loss valency, then insurance company takes the maintenance Claims Resolution; If minimum auction price is lower than the highest setting loss valency and minimum auction price person is buyer or seller, then insurance company takes the auction price Claims Resolution; If minimum auction price is lower than the highest setting loss valency and minimum auction price person is other auction price persons, then insurance company takes the third party to settle a claim, be that the low person of auction price subtracts its auction price of being reported with the goods original cost and buys the goods of damage from the seller, insurance company reports the auction price amount of money to return to the seller it;

The third goods damage auction price mechanism and method: insurance company does not announce the highest setting loss valency, auctions price by buyer, seller at goods damage information earlier, claps downwards by regular hour qualification and the design of valency level; Insurance company can choose maintenance Claims Resolution or auction price Claims Resolution after the auction price;

The 4th kind of goods damage auction price mechanism and method: insurance company does not announce the highest setting loss valency, auctions price by buyer, seller and other auction price persons at goods damage information earlier, claps downwards by regular hour qualification and the design of valency level; If minimum auction price is buyer or seller, insurance company can choose maintenance Claims Resolution or auction price Claims Resolution; If minimum auction price is other auction price persons, insurance company can choose maintenance Claims Resolution or third party's Claims Resolution;

The 5th kind of goods damage auction price mechanism and method: insurance company does not announce the highest setting loss price, takes the once quotation of a price level by buyer, seller at goods damage information earlier, and can't see the other side's quotation each other; Insurance company can choose maintenance Claims Resolution or auction price Claims Resolution after the auction price;

The 6th kind of goods damage auction price mechanism and method: insurance company does not announce the highest setting loss price, earlier take the once quotation of a price level by buyer, seller, other auction price persons at goods damage information, and any participant can't see other participant's quotation; If minimum auction price is buyer or seller, insurance company can choose maintenance Claims Resolution or auction price Claims Resolution; If minimum auction price is other auction price persons, insurance company can choose maintenance Claims Resolution or third party's Claims Resolution;

For insurance company logistics has been had the consideration of long-term incentive and Claims Resolution efficient, preferred auction price mechanism be the 3rd, five kind, but do not get rid of because special environment or independent consideration of using are taked one of all the other four kinds; Here six kinds of auction price mechanism restriction of price that do not start auction; In order to guarantee carrying out smoothly of goods damage auction price, all can comprise the design of corresponding complementarity regulation such as auction price promise breaking regulation to six kinds of mechanism.

4, credit motivation system as claimed in claim 1 or 2 or method, its feature comprises:

System that disperses the cooperation excitation or method be promptly: the prestige on quality scoring rank of trading activity system is recommended the buyer to real good product with prepreerence chance, bank lends the sincere formation excitation of enterprise by the prestige on quality scoring simultaneously by the best loan of the low-cost discovery of prestige on quality scoring rank client; Logistics risk system reduces the various risks that logistics company comprises moral hazard by the expection excitation risk management method of insurance logistics service bundle, and passes through the fair Claims Resolution of auction price system and reduce goods damage Claims Resolution cost; Thereby trading activity system and Corporate finance risk system have reduced product quality risk and the logistics risk that both parties were concerned about with cooperating of logistics risk system and auction price system;

Trading activity information handling system, Corporate finance risk system, logistics risk system, goods damage auction price system can be widely used in the whole national economy independently.

5, the motivational techniques of product quality prestige and goodwill in a kind of e-commerce website, its feature comprises:

The product related information of this enterprise is gathered in the trading activity system acquisition unit of e-commerce website to the database server unit by the program that sets in advance; Transmit information data is to the analytical model unit; By the Q (X1 that is preset at analytic unit, X2, X3, X4, X5), wherein the similar products scoring model of the average single sales volume of X1=(or average sale), X2=Total sales volume (or total sales volume), the pure return of goods of X3=time percentage, the pure return of goods sales volume of X4=ratio, X5=the rate of complaints calculates the scoring of product quality prestige and is transferred to the database server unit; Database server stores product quality prestige is marked under this products catalogue of this enterprise; Show the rank unit, product classification under it is carried out the dynamic ranking demonstration by the prestige on quality scoring that is stored under the database server products catalogue; At the rank search need of search unit support to certain price range;

6, the credit expection motivational techniques of financing loan in a kind of e-commerce website, its feature comprises:

By the relevant information of the loan of enterprise and refund credit is combined with the prestige on quality scoring, its expection is formed certain range of excitation; Prestige on quality scoring loan method can be used separately also and can be used in combination with other traditional financing method;

Credit expection excitation financing loan method mainly contains following two kinds: the one, and according to prestige on quality scoring loan, the 2nd, according to the loan of prestige on quality scoring and order.

7, comprise as bank financing credit information process method step flow process in the credit expection motivational techniques of financing loan as described in the claim 6:

Enterprise finances if desired, can select bank to obtain communication by the service content of bank service display unit, as sending enterprise's loan letter of intent to bank; After enterprise's loan letter of intent was received by bank, acquisition system was at first gathered the historical credit information that sees if there is this enterprise in bank to enterprise's loan agreement administrative unit automatically; If do not have, acquisition system is then gathered this enterprise's relevant information to the database server unit of trading activity system, sets up this enterprise content in the contract management unit and preserves enterprise's relevant information; Arrive the database server unit of trading activity system afterwards and gather the current scoring of product quality prestige and each variate-value of Q function, transmission and storage relevant product information data are under this enterprise content of contract management unit; If have, then only need the database server unit of trading activity system to gather the current scoring of product quality prestige and each variate-value of Q function, transmission and storage relevant product information data are under this enterprise content of contract management unit;

Bank hands over the trust audit to contract, and is judged by it and to need revision not, if need revision, then bank and enterprise consult, and judges that consulting successfully denys if need not revise, then to examine and pass through, and by responsible follow-up monitoring of trust and payment; Bank's storage contract is under this enterprise content of contract management unit; Bank provides enterprise's loan by trust; Receive the loan that enterprise is given back by trust; Bank gathers and stores this information under this enterprise content of contract management unit.

8, a kind of logistics expection excitation risk management method, its feature comprises:

An insurance company becomes a logistics service bundle with a plurality of logistics companies, and logistics company must not appear at simultaneously in two insurance logistics service bundles and promptly must not cooperate with how tame insurance company simultaneously; Introduce many families insurance logistics bundle, so that diversified emulative service to be provided; Insurance company is by the goods damage return of goods rate risk responsibility to be defined to the carrier's risk's of logistics company premium collection methods, and overall risk behavior (goods damage return of goods rate or relative risk) in the future certain hour is occurred in the expection motivational techniques that different goods damage return of goods rate sections are collected different piemium rates; Insurance company carries out the qualification of service range to the service of logistics company according to its degree of risk; Insurance company carries out overall ranking to the service of logistics company and shows; The expection excitation is compatible must be satisfied logistics company:

Cost 〉=existing income one existing the cost of income one expection of expection,

Wherein cost comprises the logistics operation cost, reduces risk cost, premium of insurance.

9, a kind of method of goods damage Claims Resolution, its feature comprises:

By the goods damage return of goods rate risk responsibility is defined; Logistics company provides goods damage information; Select auction price mechanism and method, goods damage is fixed a price by auction price mechanism and method; Insurance company chooses maintenance Claims Resolution or auction price Claims Resolution or third party's Claims Resolution after the auction price.

10, the dispersion cooperation of credit motivation system as claimed in claim 4 or method and the feature of independent utility, show the product quality prestige of claim 5 and the feature of goodwill motivational techniques, the feature of the financing loan credit expection motivational techniques of claim 6, the bank financing credit information process method step flow process feature of claim 7, the feature of the feature of the logistics expection excitation risk management method of claim 8 or the goods damage Claims Resolution method of claim 9, both can be in the credit motivational techniques of the credit motivation system of claim 1 or claim 2 with the feature of its corresponding part, also can be the system that considers as independent utility or the feature of method.