TW479183B - Credit transaction method for electronic transaction - Google Patents

Abstract

It is a credit transaction method for electronic transaction that is convenient for buyers and suppliers to proceed transactions. The electronic transaction system has a product database and transaction data. This method includes the following steps. The step of confirming the credit line is that the electronic transaction system confirms if the buyer has enough credit line for proceeding transactions. The step of increasing the credit line is for increasing the buyer's credit line for proceeding transactions that the electronic transaction system confirms if the buyer's credit line increases enough for proceeding transactions. The step of other payment method is that the electronic transaction system confirms if the buyer has other payment method for proceeding transactions.

Description

479183 V. Description of the invention α) [Field of invention] The present invention relates to a credit transaction method for electronic transactions, and more particularly to a credit transaction method for electronic transactions of plastic materials. [Previous technology] In today's industrial materials, plastic materials have been applied to many uses. Even with the development of the plastic industry, plastic materials have gradually replaced traditional metal materials such as steel. As a result, plastic materials have become more diverse. Different types of plastic materials and plastic raw materials are usually replaceable. Therefore, the industry must make the best decision among multiple materials5 and multiple suppliers to produce the highest quality plastic products at the lowest cost. As mentioned earlier, different plastic materials and different suppliers are usually substitutable, and different supply methods will provide different quotes for suppliers. Therefore, for buyers, usually they must pass the% .. com price comparison procedure to be able to purchase the required product at the lowest price. For the supplier, the same product also needs to be based on the quantity and location of the supply. And different payment methods usually provide different quotations, so for different buyers, the quotation process is also very complicated. In particular, the supplier cannot provide the best price based on the cost of the product to cope with market competition and lose trading opportunities. In addition, the quotations of plastic materials change over time, so the data in the database must be updated at any time. For traditional trading models, this process of updating information would be slow and time-consuming. Therefore, for the transaction of plastic materials, there is also a need to provide a system in which not only buyers can get real-time information, but also suppliers can change the quotes and the content of plastic materials at any time.

POO-139.ptd Page 4 479183 V. Description of Invention (2) Content. The Internet has developed into a very convenient electronic trading business medium, enabling consumers to purchase goods or services on the Internet. However, the current electronic trading system does not provide appropriate payment methods for transactions between buyers and sellers. Especially in the business to business (business to business) transaction process, the transaction amount is usually quite large. However, in the instant electronic transaction process, if you need to trade with sufficient cash or collateral, it will inevitably delay the transaction. And affects the buyer and the seller's willingness to use electronic transactions. In view of this, for buyers and suppliers of plastics and materials, there is a need to provide a more convenient transaction method so that buyers and suppliers can obtain the best interaction. [Summary of the Invention] The main purpose of the present invention is to provide a credit transaction method for electronic transactions for trading commodities, wherein the buyer can conduct transactions with the supplier " through a credit line. A secondary objective of the present invention is to provide a credit transaction method for electronic transactions, which is applied in an electronic transaction system and is connected to the Internet to enable buyers and suppliers to conduct transactions conveniently. According to the credit transaction method of the electronic transaction of the present invention, it is applied in an electronic transaction system to facilitate buyers and suppliers to conduct transactions, and the electronic transaction system has a product poor material library including the specifications of the parent-friendly product. 'And transaction information, wherein the credit transaction method of the electronic transaction includes: a step of confirming a credit line, the electronic transaction system will confirm whether the buyer

POO-139.ptd Page 5 479183 V. Description of the invention (3) There is sufficient credit limit for transactions; / The step of increasing the credit limit is used to increase the buyer? To use the limit to conduct transactions, the electronic trading system will be connected to a bank to confirm whether the buyer's credit limit has increased and is sufficient to carry out the steps of the trading factory and other payment methods. The electronic trading system will confirm whether the buyer Ability to pay with other payment methods for transactions ... According to another feature of the present invention, the credit transaction method of the electronic transaction, wherein the buyer is connected with the Internet according to which the electronic transaction can facilitate the transaction by the electronic buyer of the present invention. Connected and the internet and the electronic trading system interact. In another feature of the credit transaction method of the electronic transaction, the easy system further provides a credit limit of the electronic transaction to further include a credit amount according to the present invention. With the typical supplier for the bank's electronic invention, the quantity of the invention or the buyer's custom and the buyer let the issue, so that another system, electronic supply of other payment and the transaction model to complete the transaction. The characteristics of the above-mentioned characteristics apply to the manufacturer and the system of the transaction with the characteristics of the purchase. Describes the steps of the credit transaction party of the electronic transaction for trading the buyer's credit. The electronic transaction credit transaction product database includes each product manufacturer and so on. Credit transaction method, the buyer can conduct transactions with the supplier, and the transaction is similar, and further facilitates the transmission of the law, using other methods, characteristics, And the advantages can be more clear

P00-139.ptd Page 6 479183 V. Description of the Invention (4) The following is a detailed description of the preferred embodiment of the present invention and the accompanying drawings. [Explanation of the invention] The embodiment of the present invention is applied to an electronic transaction method 10, which is shown in Fig. 1. The electronic transaction method is applied to a product. In the following, a plastic material is taken as an example to illustrate the present invention, but the electronic transaction method of the present invention is not limited to the plastic material. Those skilled in the art will be able to easily understand the system of electronic transactions, such as disclosed in U.S. Patent Nos. 5, 9 70, 475, 5, 5 5 7, 5 1 8 and 5, 3 1 9, 542 Different electronic trading systems can perform electronic parenting through the Internet. The aforementioned patents are incorporated herein as a reference. The electronic trading method 10 of the present invention is applied to an electronic trading system for trading plastic materials, wherein the electronic trading system includes buyers, suppliers, and trading centers, and communicates with each other through the Internet. It is connected, and the electronic trading system has a product database, which includes physical property data and transaction data of plastic products. Furthermore, the e-commerce system is structured in a computer system for electronic transactions, or only provides users with the function of querying products. Referring to FIG. 1, there is shown a flowchart of a method of electronic trading according to the present invention. When a buyer wants to purchase plastic materials, the buyer can access the first page of the trading center of the electronic trading system of the present invention through the Internet. 10 (Homepage). The homepage of the trading center provides a selection function. The buyer (user) can determine the type of product to be traded in steps, such as plastics, processing equipment, and colorants / additives. Based on this

P00-139.ptd Page 7 479183 V. Description of the invention (5) In Mingzhi's electronic trading method 10, the homepage of the trading center 1 10 will be divided into multiple similar steps to meet the needs of users. In a preferred embodiment of the present invention, the transaction center provides three types of plastic related transaction items, which are plastic, processing equipment, and colorants / additives. The form of the front page is shown in Fig. 6 as an example. The buyer can click on the individual keys in Figure 6 to enter the individual functions. In addition, the trading center also provides the functions of buying and selling contract inquiry 130 and account inquiry 140. The buyer can query the trading contract of the trading center by entering the trading contract query 130. As mentioned earlier, the homepage of the trading center provides three types of plastic-related trading items: plastics, processing equipment, and colorants / additives. < In the following, plastic trading will be taken as an example to explain the electronic trading method 10 of the present invention. When the buyer wants to trade plastics, the buyer can select the plastic trading area 1 2 0 on the homepage 1 0 of the trading center to conduct plastic trading. After entering the plastic parent zone 1 2 0, proceed to step 1 2 2 ′, where the buyer must log in to the member profile in order to proceed to step 1 2 6 for trading, and if the buyer is not a member, proceed to step 1 2 4. In step 1 2 4, the buyer can decide to join the membership. If joining the member, the buyer will return to the plastic trading area 1 2 0, otherwise return to the home page 1 1 0. In addition, the account inquiry 1 40 is used to inquire the buyer's transaction history in the trading center, and the step 1 40 also includes a member login step similar to the step 1 2 2 in order to confirm the membership and Return to the homepage 110 after the inquiry is completed. In step 1 2 6, the trading center will output the 7th picture to facilitate the purchase.

POO-139, ptd Page 8 479183 V. Description of the Invention (6) ·, The plastic transactions. As shown in Figure 7, it is generally divided into two parts, including the upper input form and the middle output form. In the upper input form, the buyer can enter queries and conditions, such as plastic Type, shipping location, shipping time, and query conditions for entering query keywords, where the symbol "▼" indicates that the trading center provides a pull-down function to facilitate the buyer to enter query information (the symbol below), ^ Also has the same function, this manual will not repeat them). After the buyer enters the search conditions, he can click the "GOn" button, and the trading center will output its results in the form in the middle part. The form in the middle part will display the product database and the input query Products that meet the conditions and display relevant transaction information such as the material, manufacturer, product name < specifications, color, supplier, delivery location, shipping time, and minimum order quantity. After that, the buyer can By clicking on the specific column on the form in the middle section (that is, clicking on the π number in the figure 7 and the specific number), to determine the specific specifications of the product to be traded, and its specific The supplier then enters the next step 160. In this step 160, the present invention is to export the data of the specific specification product and its supplier in the figure ^^ 8. As shown in Figure 8 As shown, it is roughly divided into two parts, the upper part is the basic information part of the product, and the lower part is the transaction information part of the product of the specification. In the upper information part, you can click "Similar physical property product search" or "Physical properties" Table ”key to enter step 7 1 0 for smart selection of materials, or to query the physical properties of the product, and then return to the homepage 丨 1 0. The method of intelligent selection of materials was disclosed by the inventor in the Republic of China in 1989 Filed September 20, 89119419

POO-139.ptd Page 9 479183 V. Another Patent Application No. of Invention Description (") in" Smart Product Selection Method π. "This step is shown in the lower part. Step 1 6 0 further has four subsequent Step, the buyer can use the query result shown in Figure 8 to determine the next step. If the buyer decides to re-query the plastic, the buyer can click the π re-query π key to enter the step 1 In 26, check the plastic again. If the buyer needs to check the transaction history, click the "Account Search" button to enter step 1 40. In step 140, the buyer can query his transaction records in the transaction center. If the buyer accepts the supplier's transaction information on the product of the specification, the buyer can click the "Order π" button to proceed to step 16 2. If the buyer is not satisfied with the supplier's response to the specification Product transaction information, then the buyer can click the π Inquiry button to enter step 50. In step 1 62, the buyer reconfirms whether to conduct a transaction and if the buyer decides to proceed with the transaction , You need to decide the payment method of the transaction, and then go to step 60. In step 60, it is the payment inquiry part 60 of method 10 of the electronic transaction, which is used to query whether the buyer has sufficient payment. Ability, this step will be explained below t. If the buyer confirms the payment inquiry part 60, enter the order system of step 300 to complete the transaction, otherwise return to the home page 1 丨 0. In step 50, the inquiry part 50 of the electronic transaction method 丨 0 is used to provide the function of further inquiry between the buyer and the supplier. If the buyer and the supplier reach an agreement, then Enter this step I 8 0, the inquiry part 50 0 will be below It is explained in step 1. In step 180, the buyer can further confirm the order. If the transaction is decided, proceed to step 60. Otherwise, return

P00-139.ptd Page 10 479183 V. Description of the invention (8) Go to step 1 2 6. As mentioned above, this step 60 is used to query whether the buyer has sufficient payment capacity to complete the transaction. If the buyer passes the confirmation of the payment inquiry part 60, he enters the order system of step 300 and completes The transaction, otherwise return to the home page 11 0. Now please refer to FIG. 3, which shows a flowchart of the payment inquiry part 60 according to the present invention. Please note that those skilled in the art will understand that the payment inquiry part 60 is a judgment step for determining the purchase. Whether the buyer has sufficient payment capacity to complete the transaction, if the buyer passes the payment inquiry part 60, the transaction will continue, otherwise the transaction will be canceled and the transaction center will be returned to the home page 1 1 0. After entering this step 60, first go to step 602 to confirm the method used by the buyer to pay. If you choose a credit limit, go to step 6 0 6 1 If you choose another payment method, go to step 604. In this step 604, the buyer can further decide on the payment method, such as (T / T, L / C), and then proceed to step 6 2 0, this step will be described later. If the buyer chooses to pay with a credit line, it proceeds to step 6 0 6 and then proceeds to step 6 1 0. In step 6 10, the transaction center is terminated with a bank to confirm whether the buyer's credit limit is sufficient for the transaction. If it is sufficient, proceed to step 6 2 6 and pass the credit inquiry, otherwise proceed to step 6 1 2 . In step 6 1 2, the trading center confirms whether the buyer's credit limit in the trading center is sufficient for trading. Please note that this credit limit is provided by the trading center. If it is sufficient, proceed to step 6 2 6, otherwise go to step 6 1 4. In step 6 1 4, the buyer may choose to increase the credit limit or apply for other payment methods to facilitate the transaction. If the buyer cannot increase the amount, go to step 6 2 4 and leave the payment inquiry part and fail the payment check.

P00-139.ptd Page 11 479183 V. Description of Invention (9) Inquiry. If the buyer chooses to increase the credit limit, the process proceeds to step 6 1 6. In step 6 1 6, the transaction center is connected to a bank, and the buyer requests to increase the credit limit, and then proceeds to step 6 1 8. In step 6 18, if the bank agrees, proceed to step 6 2 6; otherwise, proceed to step 6 2 0. If the buyer chooses to apply for another payment method, then proceed to step 6 2 0. In step 620, the buyer can apply for other payment methods, such as (T / T, L / C), and fill in the form of other payment methods. Then proceed to step 6 2 2. In this step 6 2 2, the transaction center will confirm the other payment methods, that is, receive the necessary reply within a limited time, or receive the payment. If the confirmation is passed, go to step 6 2 6, otherwise go to step 6 twenty four. Please refer to FIG. 2, which shows a flowchart of the inquiry part 50 of the present invention. After entering this step 50, first enter step 50. In step 500, the transaction center imports the products of the specific specifications and specific supplier information selected in the aforementioned transaction process into the inquiry part 50, and the output form is shown in FIG. 9. Reference is now made to Fig. 9, where the data carry-out part outputs the product of the specific specification selected by the buyer and its supplier information through the transaction ^ L., And the buyer can respond to other transaction information and The supplier makes an inquiry, and the information required by the order, including the specifications of the product, the supplier, and other transaction information, is hereinafter referred to as the inquiry information. The items that the buyer can inquire with the supplier include the delivery method, delivery location, payment method, quantity / unit price, price currency, etc. Through this mechanism, the buyer and the supplier can get better interaction and complete the best transaction. When the buyer decides the inquiry content, he can click the "Send inquiry"

POO-139.ptd Page 12 479183 V. Description of the invention (ίο) · The price π key, then enter the confirmation of the payment method of the buyer. 80, to confirm the payment method used by the buyer in the transaction, if passed Then go to step 5 50, otherwise go to step 502 to cancel the inquiry process. If the buyer wants to cancel the inquiry, click the "Cancel Inquiry" button to exit the inquiry section and return to step 1 2 6. The confirmation of the buyer's payment method part 80 will be explained below In this step 500, a plurality of determination steps are further included to further confirm the inquiry information. The multiple determination steps are described as follows. After entering the inquiry information in step 50, the trading center will display again The inquiry information is shown in Fig. 10. After the buyer confirms the inquiry information, he can click the three click buttons located at the bottom of Fig. 10 to enter the next steps. If the buyer clicks The π cancels the inquiry π button, then enters this step 1 2 6 to continue to inquire the plastic to be traded. If the buyer clicks the "confirm temporarily" button, the trading center will save the inquiry information to an inquiry Price list, and the buyer can view the inquiry list in this step. If the buyer clicks the "View inquiry list" button, a list display step is entered. In the step of displaying the list, the trading center outputs the inquiry list. Please note that the trading center of the present invention allows the buyer to make three inquiries for products of the same specification. The trading center outputs the inquiry list in Figure II. As shown in Figure 11, when the buyer clicks the " modify " key or the " delete π key, the trading center will allow the buyer to modify the inquiry information and delete the inquiry, respectively. Information: In step 5 50, the transaction reminds the buyer of the inquiry information of the buyer.

P00-i39.ptd Page 13 479183 V. Description of the invention (11) The supplier and asks whether the supplier accepts the inquiry information of the buyer. If the supplier accepts the inquiry information, it goes to step 5 60. Otherwise proceed to step 5 7 0. In the embodiment according to the present invention, the transaction center outputs the inquiry data to the supplier's data area in the transaction center, so that the supplier can inquire the relevant inquiry data at any time. In step 5 6 0, the supplier enters an acceptance inquiry and proceeds to step 5 6 2. In step 5 6 2, the trading center will notify the buyer to confirm the order. If the buyer is allowed to confirm the order, go to step 5 2 0, otherwise go to step 5 6 4 to cancel the order and exit the inquiry. Price part 5 0. At step 5 2 0 10, it means that the inquiry information is confirmed to be approved, and the buyer and the supplier may perform subsequent transaction steps on the inquiry information. -In this step 570, the supplier can decide whether to provide the quotation again. Otherwise, go to step 5 7 6 to cancel the inquiry process, otherwise go to step 5 72. In step 572, the supplier re-enters the quotation information, and then proceeds to step 5 7 4. In step 5 7 4, the trading center will further ask the buyer whether to accept the new offer from the supplier. If they agree, proceed to step 5 6 2, otherwise proceed to step 5 7 8. In step 5 7 8, can the buyer make an inquiry again? If he wants to make an inquiry again, go to step 5 8 0; otherwise, go to step 5 76. At step 5 8 0 t, the buyer re-enters the inquiry information, and then proceeds to step 5 5 0. During this inquiry process, the buyer and the supplier can conduct multiple mutual inquiries and quotations, so that the final transaction can meet the needs of both parties. Please refer to FIG. 4, which shows a flowchart of confirming the buyer's payment method part 80 according to the present invention. After entering this step 80, first enter the step

P00-139.ptd Page 14 479183 V. Description of the Invention (12) ·: 8 1 0. In step 8 1 0, the buyer can choose the payment method used in the inquiry part 50. If he chooses to trade with a credit line, he enters step / 8 1 6; otherwise, he enters step 8 1 2 . In step 8 1 2, the buyer chooses to pay in other ways, and then enter step 8 1 4. The trading center will notify the buyer of the payment information that needs to be prepared, and then return to the inquiry part 50 0 Step 5 5 0. In step 8 1 6, the trading center will query whether the buyer has a credit limit, and then proceed to step 8 1 8. In step 8 18, the trading center will inquire whether the buyer has a bank credit limit, and if so, proceed to step 5 50, otherwise proceed to step 8 2 0. In step 8 2 0, the transaction center will query whether the buyer has the credit limit of the transaction center. If so, proceed to step 5 50, otherwise proceed to step 8 2 2. In step 822, the trading center will ask whether the buyer must apply for a bank credit line. If the buyer does not apply, cancel the transaction and proceed to step 1 10, otherwise proceed to step 824. In step 824, the buyer can directly fill in the application information of the credit line, and then proceed to step 8 2 6. In step 8 2 6, the trading center will connect to the bank and output the application to the bank, and then proceed to step 8 2 8. In step 8 28, the bank reviews the application information and decides whether to agree to the credit. If it agrees, it goes to step 5 50 of the inquiry part 50, otherwise it goes to step 8 3 0. In step 830, the trading center will further ask the buyer whether to choose another payment method. If the buyer agrees, proceed to step 8 14; otherwise, cancel the transaction and return to step 1 1 0 0. Refer to FIG. 5 again, where Showing another embodiment according to the present invention

P00-139.ptd Page 15 479183 V. Description of the invention (13) Inquiry part 5 0 a. As shown in the figure, the steps of the inquiry part 50 a and the inquiry part 50 are roughly the same. The difference is that in the inquiry part 50a, after the buyer confirms the payment method 80, it enters Step 5 1 0. In step 5 10, the trading center compares the inquiry data with the range set by the supplier. If it matches, it goes to step 5 2 0, otherwise it goes to step 5 3 0. In step 5 2 0, it means that the inquiry information is confirmed to be passed, and the buyer and the supplier can perform subsequent transaction steps on the inquiry information. In step 5 3 0, it is used to confirm whether the supplier accepts the inquiry outside the range. If it accepts, it goes to step 5 5 0, otherwise it goes to step 5 4 0. In this step 540, the transaction center rejects the buyer's inquiry information and returns to step 5 00 to re-enter the inquiry information. As shown in the figure, the electronic transaction method 10 of the present invention further includes a processing equipment parent zone 120 and a coloring material / adding Qi parent zone 120 ". This step 1 2 0 'and 1 2 0 " are similar to step 1 2 0. Although the present invention has been disclosed in the foregoing preferred embodiments, it is not intended to limit the present invention. Any person skilled in the art can make various changes and modifications without departing from the spirit and scope of the present invention. Therefore, the protection scope of the present invention shall be determined by the scope of the attached patent application.

POO-139.ptd Page 16 479183 Schematic description [Illustration] ^ Figure 1: Schematic diagram of the electronic transaction method according to the present invention. Figure 2: Schematic diagram of the inquiry part of the electronic transaction method according to the present invention. Figure 3: The flow of the payment inquiry part of the electronic transaction method according to the present invention is not intended. -1 Figure 4: Schematic diagram of the process of confirming a buyer's payment method according to the electronic transaction method of the present invention. FIG. 5 is a schematic flow chart of an inquiry part of another embodiment of the electronic transaction method according to the present invention. Fig. 6-1 I: A form or webpage example output by an electronic transaction method according to a preferred embodiment of the present invention. Drawing number description 10 Electronic transaction method 60 Payment inquiry part 50 Inquiry part 5 0a Inquiry part I 10 Home 120 Plastic trading area 120, processing-jn. Ά and preparation of trading area 120 丨, pigment / additives delivery 122 Login Member Information 124 Join the meeting η 126 Inquiry / choose plastics for trading 130 Inquiry on sales contracts 140 Inquiry on accounts 160 Output information on the specific specifications of the product ασ Bl Suppliers 162 Confirm orders and payment methods

P00-I39.ptd Page 17 479183 Simple illustration of the drawing 180 Whether to confirm the order 3 0 0 Order system, 6 0 2 Confirm the buyer's payment method 6 0 4 Other payment methods (T / T, L / C) ^ 6 0 6 Payment with credit line ^ 610 Confirm whether the credit line is sufficient 612 Confirm whether the transaction center credit line is sufficient 614 Increase the credit line or apply for other payment methods 616 Increase the bank credit line 618 Bank approval or not 6 2 0 Apply for other payment methods · 6 2 2 Confirmation of other payment methods 6 2 4 Payment inquiry failed 6 2 6 Payment inquiry 5 0 0 Enter inquiry information '

5 0 2 Cancel the inquiry process 510 Whether the inquiry information meets the range set by the supplier 5 2 0 Order confirmation 5 3 0 Whether the supplier accepts the inquiry outside the range 5 4 0 The bidder's inquiry is rejected. 5 5 0 Ask the supplier whether to accept the inquiry information of the buyer 5 6 0 The supplier enters the acceptance inquiry 5 6 2 The buyer confirms the order 5 64 Cancel the inquiry process

P00-139.ptd Page 18 479183 Brief description of the diagram 5 7 0 Whether the supplier will provide a quote 5 72 The supplier re-enter the quote data 5 74 Whether the buyer accepts the new ancestor price. 5 76 Cancel the inquiry process 5 78 Buyer Whether to make an inquiry again 5 8 0 The buyer will provide the inquiry information again. 710 Perform smart selection of materials 80 Confirm the buyer's payment method part 810 Confirm the buyer's payment method 812 Other payment methods 814 Notify the buyer T / T or L / C payment information 816 Whether there is a credit line 818 Check whether there is a bank credit line 8 2 0 Check whether it has a credit center of the trading center 8 2 2 Ask whether the buyer must apply for a bank credit line 8 2 4 The buyer fills in the credit line Application information 8 2 6 Send buyer information to bank 828 Bank agree or not 8 3 0 Ask if you choose another payment method

POO-139.ptd Page 19

Claims (1)

479183 VI. Scope of patent application1. A credit transaction method for electronic transactions, which is applied in an electronic trading system to facilitate buyers and suppliers to conduct transactions, and the electronic trading system has a product database including specifications of the products to be traded Information, and transaction information, wherein the credit transaction method of the electronic transaction includes: a step of confirming a credit limit, the electronic trading system will confirm whether the buyer has sufficient credit limit to conduct a transaction; a step of increasing a credit limit to increase the buyer Credit line for transactions, the electronic trading system will confirm whether the buyer's credit line is strong enough to conduct transactions; and other payment method steps, the electronic trading system will confirm whether the buyer can use other payment methods Make a payment to make a transaction. 2. The credit transaction method for electronic transactions according to item 1 of the scope of patent application, wherein the credit limit is provided by a bank, and the electronic transaction system will be connected to the bank to confirm the buyer's credit limit. Tao / Marriage 3. The credit transaction method for electronic transactions according to item 1 of the scope of patent application, wherein the credit line is provided by the electronic transaction system. 4. The credit transaction method for electronic transactions according to item 1 of the patent application scope further includes a credit limit application step for sending the buyer's credit information to the bank so that the buyer can conduct transactions. 5. Credit transactions in accordance with the scope of patent application for electronic transactions in items 1, 2, 3 or 4 P00-139.ptd Page 20 479183 6. Method for applying for a patent, wherein the electronic trading system is connected to the Internet and the buyer can use the Internet to interact with the electronic trading system. action. 6 · The credit transaction method for electronic transactions according to item 1 of the scope of patent application, wherein the product database of the electronic transaction system includes the sales price, quantity, supplier, manufacturer, etc. of each product. According to the credit transaction method of electronic transactions according to the scope of patent application No. 1, 2, 3 or 4, the products traded by the electronic trading system are plastic materials. POO-139.ptd Page 21