WO2016095350A1 - 一种基于移动互联网的悬赏交易处理方法和系统 - Google Patents

一种基于移动互联网的悬赏交易处理方法和系统 Download PDF

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WO2016095350A1
WO2016095350A1 PCT/CN2015/074288 CN2015074288W WO2016095350A1 WO 2016095350 A1 WO2016095350 A1 WO 2016095350A1 CN 2015074288 W CN2015074288 W CN 2015074288W WO 2016095350 A1 WO2016095350 A1 WO 2016095350A1
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reward
party
transaction
information
account
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PCT/CN2015/074288
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English (en)
French (fr)
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王智勇
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王智勇
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce

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  • the invention belongs to the technical field of computer networks, and in particular relates to a method and system for processing a reward transaction based on a mobile internet.
  • the existing Internet transaction mode is the store transaction mode, that is, what goods or services are available in the online store, and the purchaser can only purchase the goods, articles or services provided by the online store, and the purchaser must obey the rules or wishes of the seller to conclude the transaction.
  • the individualized needs of the purchaser are often not met in a timely and effective manner, and the Internet-based transaction demand cannot be fully released.
  • the immediate demand cannot be quickly responded to in the existing e-commerce model.
  • the present invention provides a mobile internet-based reward transaction method and system to solve the current situation that the e-commerce model cannot fully satisfy the rewarding party's independent pricing, personality demand, and immediate demand transaction.
  • a mobile internet-based reward transaction processing method comprising: the following steps:
  • the reward party and the robbing party need to register in the real name of the reward trading system, and their registration account can associate the bank account information or the third party payment account information with the account in the system;
  • the reward party fills in the required content, transaction conditions, delivery method, delivery location and reward amount, and the demand information may be a text, picture, voice or video form uploading system;
  • the reward party publishes the demand information in the form of a reward
  • the balance of the available funds in the account in the system needs to be no less than the total amount of the reward. Otherwise, the reward party needs to transfer the funds not less than the total amount of the reward from its financial account.
  • the reward information can be officially released after the reward condition is satisfied. The reward information is released at the same time as the reward of the reward in the reward system and the current amount of the bonus is immediately frozen;
  • the reward party needs to grab the unilateral party to provide the performance bond, in the reward system, the reward party and the robbing party provide the same amount of performance bond rules and the performance bond cannot be higher than the reward.
  • the performance bond of the reward party is equal to the bonus. Part of the performance bond as a performance bond, the balance of the funds in the system account required by the robbed party must be no less than the total amount of the performance bond;
  • the robbed party obtains the priority of the reward transaction in the reward trading system by using the first-come-first-served signing method. After the successful rushing, the rewarding party and the rushing square become the transaction docking, and the reward order is locked and confirmed.
  • the reward party Before the reward party and the grabbing party have not reached a confirmation of the transaction cooperation, the reward party has the right to modify all the information of the reward order, the reward party can freely withdraw the demand order, and the trading system automatically releases the suspension of the reward.
  • the robbed party needs to have the balance of the account fund in the reward trading system not less than the total performance bond required by the reward order, and has the conditions for cooperation confirmation;
  • the trading system automatically freezes the performance bond of both parties if there is a performance bond requirement if both the reward party and the grabbing party cooperate to confirm;
  • the robbed party can save the electronic performance evidence in the system. If both parties to the transaction have disputes, both parties can set the dispute status in the reward trading system. At this time, the reward and performance bond are in the trading system. In a frozen state;
  • the trading system After both parties confirm the completion of the transaction in the reward trading system, the trading system automatically cancels the freezing of the deposit between the two parties. After deducting the service fee according to a certain percentage, the system automatically pays the bonus balance to the account in the system.
  • both parties to the transaction complete the docking and confirmation of the transaction through the mobile application terminal system.
  • the reward information issued by the rewarding party is first posted to the server end of the mobile application terminal, and then pushed according to one of the following four pushing modes according to the delivery destination designated by the rewarding party:
  • Mode 1 The server sends the reward information to the mobile application terminal within a certain distance from the delivery location;
  • Mode 2 The server sends the reward information to the mobile application terminal of all registered accounts
  • Mode 3 The server sends the reward information to all mobile application terminals.
  • the mobile application terminal program determines whether it belongs to the specified delivery area according to the local location coordinates. If it does not belong, it does not display. If it belongs, the information is displayed. The user terminal that judges its location displays all the information;
  • Mode 4 The server sends the reward information to all mobile application terminals, and the mobile application terminal program determines whether it belongs to the specified delivery area according to the local location coordinates, and does not display if it does not belong, and displays the information if it belongs to The type of reward order that can be accepted in the personal ability store conforms to the type of the reward information, and the system automatically pushes the reminder information to the grabbing party.
  • the release scope of the reward information is selected by the rewards. It can be the nearest release of the designated delivery location, or it can be released nationwide or globally.
  • the discount range is different for different systems.
  • the system platform can follow the efficiency achieved by the reward.
  • the rules automatically adjust the release range.
  • the ordering rules of the reward information are sorted according to the built-in rules of the platform according to the type of the reward, the reward item and the end time of the reward. For the reward beyond the end time of the reward, the system automatically cancels the display of the information.
  • the processing method is an instant response transaction docking method based on a mobile internet reward mode.
  • the registered account in the system is a real name registration, including a natural person, a legal institution or an identity card, and the bank account information or the third party payment account information is registered in the system while the account is registered, and the system only discloses the user's nickname information or Real disclosure of both parties to the transaction.
  • the demand issued by the rewarding party includes a combination of one or more of the goods, articles, services or information, and the reward may be reversed.
  • the reward method issued by the reward party includes a text mode, a picture mode, a voice mode or a video mode.
  • the system automatically filters the demand issued by the rewards through the illegal violation dictionary, and uses manual sampling and online user reporting to avoid illegal demand.
  • the order is automatically locked, ensuring that other people can no longer hold the grab, and the reward can refuse any cooperation confirmation request of the grabbing party before the two parties have no cooperation confirmation, the reward party The order can be re-instated.
  • the objection application is not filed, and after a certain period of time, the system default transaction is completed, and the bonus is automatically transferred to the grabbing party after deducting the service fee.
  • the grabbing party can apply for the credit loan online for the fulfillment of the order, and the credit loan is obtained according to the requirements of the system for issuing the loan according to the personal credit information;
  • the funds of the rewards party are transferred to the grabbing party and the platform service fee, loan principal and interest are recovered.
  • the system platform implements credit level management according to the way the user fulfills the number of times of performance. For users who default on the transaction, the system implements credit level management by means of defaulting the number of defaults. Users can use the integrity performance level points to eliminate negative defaults. Advance to complete credit redemption on the system platform.
  • all registered accounts may establish a personal competency store in the system, including personal introduction, age, education, qualifications, abilities, resources, or types of reward orders that may be undertaken.
  • Personal capacity store management through the establishment of a personal ability store, can establish personal content preferences, the system platform through the comparison of the personal ability store and the release of the reward information, for the qualified users who meet the reward requirements, the system automatically issues a reminder to the user Information to further facilitate the efficiency of the docking transaction.
  • the user has the right to withdraw cash from the personal account funds in the non-freeze state, and the user can transfer the funds in the system to the associated bank account or third party payment account in the system in real time.
  • a mobile internet-based reward trading system includes a UI interaction layer, a logic layer, a data layer, a system layer, and a physical layer.
  • the logic layer includes a reward management module, a grab module, an exchange management module, a transaction management module, a default processing module, a dispute management module, a password management module, a reward category management module, a personal information management module, an account information management module, and a location management module.
  • the trading system adopts a two-level application system of a mobile terminal application system (APP) and a server-side application system.
  • the mobile terminal application system is an operating software of a rewarding party and a robbing party, and can operate or query a reward order or transaction, and manage personal information, and the server side
  • the application system stores all user information, all transaction information, transaction rule management, transaction fund management, and transaction process supervision.
  • the invention has the beneficial effects that the present invention adopts a unique reward transaction processing method based on the mobile internet, and the rewarding party customizes the demand and the transaction condition, so that the personalized demand of the rewarding party can be satisfied in time and effectively.
  • the immediate demand can be quickly responded to in the existing e-commerce mode, further improving the docking transaction docking efficiency.
  • FIG. 1 is a flow chart of a method for processing a reward transaction of the present invention
  • FIG. 2 is a block diagram of a reward trading system of the present invention.
  • a mobile internet-based reward transaction processing method includes the following steps:
  • the reward party and the robbing party use the mobile application terminal to register the real name in the trading system in the name of a natural person, a legal institution or an identity card, and register the account at the same time to register the bank account information or the third party payment account information in the system, and register The account is directly tied to the user's bank card account or third party payment account;
  • the reward party publishes the demand information in the form of a reward, and the rewarding party selects the release scope of the reward information.
  • the system platform can also automatically adjust the release scope according to the efficiency achieved by the reward according to the certain rules.
  • the transaction amount is rewarded.
  • the gold way is frozen in the trading system;
  • the reward Before the confirmation of the transaction cooperation is confirmed, the reward can modify all the information of the reward order, the reward party can freely withdraw the demand order, the trading system automatically releases the bonus of the bounty, and the reward can also refuse the cooperation of any one of the robbing parties. Upon recognition, the reward can re-position the order as a reward;
  • the system protects the transaction interests of both parties by means of the same amount of margin between the two parties.
  • the margin of the reward is deducted from the total amount of the bounty.
  • the robbed party needs to provide the same amount of the margin of the reward in the account of the trading system. Funds, but the performance bond cannot be greater than the reward;
  • the reward information can only be seen by the parties to the transaction and the system platform provider.
  • the robbed party can save the electronic performance evidence in the system. If the two parties have disputes, both parties can set the dispute status in the system. At this time, the bounty and performance bond are frozen in the trading system;
  • the trading system After the two parties confirm the completion of the transaction in the trading system, the trading system automatically cancels the freezing of the margins of both parties. After deducting the service fee according to the discount range and the transaction amount, the system automatically pays the bonus balance to the grabbing party in the system.
  • the trading system user can freely transfer the non-frozen funds in the trading system to the user's bank account or third-party payment account;
  • the reward information released by the reward party is first published to the server end of the mobile application terminal.
  • the system automatically filters the demand issued by the reward party through the illegal violation dictionary, and adopts the manual spot check and the user online report method to circumvent the illegal demand, and then according to the reward
  • the designated delivery place of the party is pushed in one of the following four push modes:
  • Mode 1 The server sends the reward information to the mobile application terminal within a certain distance from the delivery location;
  • Mode 2 The server sends the reward information to the mobile application terminal of all registered accounts
  • Mode 3 The server sends the reward information to all mobile application terminals.
  • the mobile application terminal program determines whether it belongs to the specified delivery area according to the local location coordinates. If it does not belong, it does not display. If it belongs, the information is displayed. The user terminal that judges its location displays all the information;
  • Mode 4 The server sends the reward information to all mobile application terminals, and the mobile application terminal program determines whether it belongs to the specified delivery area according to the local location coordinates, and does not display if it does not belong, and displays the information if it belongs to
  • the type of reward order that can be accepted in the personal ability store is in accordance with the type of the reward information, and the system automatically refers to the grabbing party. Push reminder information.
  • the ordering rules of the reward information are sorted according to the built-in rules of the platform according to the type of the reward, the reward item and the end time of the reward. For the reward beyond the end time of the reward, the system automatically cancels the display of the information.
  • the requirements posted by the rewards include a combination of one or more of the goods, items, services, or information, and can be rewarded in reverse demand.
  • the rewards released by the rewards include text mode, picture mode, voice mode or video mode.
  • the system defaults the transaction after a certain period of time, and the bonus is automatically transferred to the grabbing party after deducting the service fee.
  • the single party can apply for the credit loan online for the fulfillment of the order.
  • the credit loan is obtained according to the requirements of the system for the personal credit information to satisfy the system.
  • the reward party The funds are transferred to the grabbing party and the platform service fee, loan principal and interest are recovered.
  • the system platform implements credit level management according to the way the user fulfills the number of times of performance. For users who default on the transaction, the system implements credit level management by means of defaulting the number of defaults. Users can use the integrity performance level points to eliminate negative defaults. Advance to complete credit redemption on the system platform.
  • All registered accounts can establish a personal ability store in the system, including personal introduction, age, education, qualifications, abilities, resources or types of reward orders that can be accepted.
  • a personal ability store you can establish personal content preferences, and the system platform can be compared.
  • the system automatically issues reminding information to the user who is qualified to meet the reward requirement, thereby further promoting the efficiency of the reward transaction docking.
  • the user has the right to withdraw cash from the personal account funds in the non-freeze state, and the user can transfer the funds in the system to the associated bank account or third party payment account in the system in real time.
  • a mobile internet-based reward trading system includes a UI interaction layer, a logic layer, a data layer, a system layer and a physical layer, and the logic layer includes a reward management module, a grab module, an exchange management module, a transaction management module, a default processing module, Dispute management module, password management module, reward category management module, personal information management module, account information management module and location management module.
  • the trading system adopts two-level application system, mobile terminal application system (APP) and server-side application system;
  • the mobile terminal application system is the operation software of the rewarding party and the grabbing party, and can operate or query the reward order or transaction, manage personal information, and the server side
  • the application system stores all user information, all transaction information, transaction rule management, transaction fund management, and transaction process supervision.

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Abstract

本发明属于计算机网络技术领域，尤其涉及一种基于移动互联网的悬赏交易处理方法和系统，采用独特的悬赏交易处理方法，悬赏方自定义需求和交易条件，在交易信息发布同时将交易金以悬赏金方式转入系统冻结，系统根据交易交付地要求，将悬赏信息发布到移动终端，各移动终端系统根据位置半径参数判断该悬赏交易信息是否展示，用户看到悬赏信息后按照先到先得规则争抢订单，成功抢到订单后，交易双方交流后确定合作关系，抢单方完成需求和交易条件后，双方在线确认交易完成，系统按比例收取服务费后将余额转入抢单方在系统中的账户，在现有的电商模式下，悬赏方的个性化需求和即时性需求能够及时有效的得到满足，进一步提高了悬赏交易对接效率。

Description

一种基于移动互联网的悬赏交易处理方法和系统 技术领域
本发明属于计算机网络技术领域，尤其涉及一种基于移动互联网的悬赏交易处理方法和系统。
背景技术
现有的互联网交易模式为商店交易模式，即网上商店有哪些商品或服务，采购方只能购买网上商店所提供的商品、物品或服务，采购方要服从销售方的规则或意愿才能达成交易。在现实生活中，采购方的个性化需求往往无法及时有效的得到满足，基于互联网的交易需求无法全面释放，特别是即时性需求无法在现有电商模式下得到快速响应。
发明内容
为了解决上述技术问题，本发明提供一种基于移动互联网的悬赏交易方法和系统，以解决电商模式无法全面满足悬赏方自主定价、个性需求和即时需求交易的现状。
本发明采用的技术方案是：
一种基于移动互联网的悬赏交易处理方法，其特征在于：包括以下步骤：
(1)悬赏方和抢单方需要在悬赏交易系统中实名注册，其注册账户可以将银行账户信息或第三方支付账户信息与其在系统中的账户进行关联绑定；
(2)悬赏方自行填写需求内容、交易条件、交付方式、交付地点和悬赏金额，需求信息可以是文字、图片、语音或视频的形式上传系统；
(3)悬赏方以悬赏的方式发布需求信息时，其在系统中的账户可用资金余额需要不少于悬赏金总额，否则悬赏方需将不少于悬赏金总额的资金从其金融账户中转入到其在系统中的账户，满足以上条件悬赏方其悬赏信息才可以正式发布，悬赏信息发布的同时悬赏方在悬赏交易系统中的与本次悬赏金等额的资金即刻被冻结；
(4)悬赏方如果需要抢单方提供履约保证金，在悬赏交易系统中赏方和抢单方提供相同额度的履约保证金规则且履约保证金不能高于悬赏金，悬赏方的履约保证金从悬赏金中提取等额部分作为履约保证金，抢单方在系统账户中的资金余额需要不少于履约保证金总额方具备合作资格；
(5)抢单方采用先到先得的签单的方式在悬赏交易系统中获得悬赏交易优先权，抢单成功后，悬赏方和抢单方形成了交易对接，该悬赏订单处于锁定待合作确认状态；
(6)在悬赏方和抢单方未达成交易合作确认前，悬赏方有权修改悬赏订单的全部信息，悬赏方可以自由撤回需求订单，交易系统自动解除悬赏金的冻结；
(7)如果该笔悬赏交易需要履约保证金，则抢单方需要在悬赏交易系统的账户资金余额不少于该笔悬赏订单所要求的履约保证金总额，方具备合作确认条件；
(8)悬赏方和抢单方通过线下或线上沟通一致后，在交易系统中确认合作；
(9)悬赏方和抢单方双方合作确认的同时如果有履约保证金要求，交易系统自动冻结双方履约保证金；
(10)在双方确认合作后，抢单方可以在系统中保存电子履约证据，如果交易双方产生争议，交易双方均可以在悬赏交易系统中设置争议状态，此时悬赏金和履约保证金在交易系统中处于冻结状态；
(11)系统平台提供商根据双方提供的证据以及服务协议，确认违约方后，违约方的履约保证金在悬赏交易系统中支付到对方账户；
(12)双方在悬赏交易系统中确认完成交易后，交易系统自动取消对双方保证金的冻结，系统按照一定比例扣除服务费后，自动将悬赏金余额支付到抢单方在系统中的账户；
(13)悬赏交易系统的用户可以自由将交易系统中非冻结资金提取到用户的银行账户或第三方支付金融账户；
(14)悬赏交易双方的所有的操作都是在移动终端设备的App应用程序中完成；
(15)交易双方的全部过程数据自动存储于交易系统中。
优选地，交易双方均通过移动应用终端系统完成交易的对接和确认。
优选地，悬赏方发布的悬赏信息先发布到移动应用终端的服务器端，然后根据悬赏方指定的交易交付地，采用如下四种推送模式中的一种进行推送：
模式一：服务器端将悬赏信息发给离交付地一定距离内的移动应用终端；
模式二：服务器端将悬赏信息发给所有注册帐户的移动应用终端；
模式三：服务器端将悬赏信息发给所有的移动应用终端，移动应用终端程序根据本机位置坐标判断是否属于规定的交付地范围，如果不属于则不显示，如果属于则显示本信息；对于无法判断其位置的用户终端则显示全部信息；
模式四：服务器端将悬赏信息发给所有的移动应用终端，移动应用终端程序根据本机位置坐标判断是否属于规定的交付地范围，如果不属于则不显示，如果属于则显示本信息；对于在个人能力商店中可以承接的悬赏订单类型符合该悬赏信息类型的，系统自动对该抢单方推送提醒信息。
悬赏信息的发布范围由悬赏方选定，可以是指定交付地点的就近发布，也可以是全国发布或全球发布，悬赏范围不同系统收费比例不同，系统平台可以根据悬赏达成的效率按照一 定规则自动进行发布范围调整。
悬赏信息的排序规则，根据悬赏类型、悬赏标的和悬赏结束时间，按照平台内置的规则进行排序，对于超出悬赏结束时间的悬赏，系统自动取消对于该信息的显示。
优选地，所述处理方法为基于移动互联网悬赏方式的即时响应交易对接方法。
优选地，系统中的注册帐户为实名注册，包括自然人、合法机构或身份证，注册账户的同时将银行账户信息或第三方支付账户信息注册于系统中，系统仅对用户的昵称信息对外披露或对交易双方进行真实披露。
优选地，悬赏方发布的需求包括商品、物品、服务或信息中的一种或几种的结合，并且可以反向需求悬赏。
优选地，悬赏方发布的悬赏方式包括文字方式，图片方式、语音方式或视频方式。
系统对悬赏方发布的需求通过违法违规字典实施自动过滤，并且采用人工抽查和用户在线举报的方式对于不合法需求规避。
优选地，抢单方在实施抢单动作后，该订单自动处于锁定状态，确保其他人无法再进行抢单，在双方没有合作确认前，悬赏方可以拒绝任何一个抢单方的合作确认要求，悬赏方可以将订单重新置为悬赏中状态。
优选地，当其中一方确认交易完成，且另一方未做交易完成也未提出异议申请，在一定期限后系统默认交易完成，悬赏金在扣除服务费后自动转移至抢单方。
优选地，在双方确认合作后，抢单方如果存在资金需求，抢单方可以在线申请信用贷款用于订单的履行，信用贷款的取得依据其个人征信满足系统发放贷款的要求；双方交易完成后，悬赏方的资金在转移至抢单方的同时完成平台服务费、贷款本金和利息的回收。
用户信用管理，系统平台根据用户的履约次数进行晋级的方式实施信用等级管理，对于交易违约的用户，系统采用违约次数进行负面晋级的方式实施信用等级管理，用户可以利用诚信履约等级积分消除违约负面晋级，从而在系统平台上完成信用救赎。
优选地，所有注册帐户可以在系统中建立个人能力商店，包括个人介绍、年龄、学历、资质、能力、资源或可以承接的悬赏订单类型。
个人能力商店管理，通过开设个人能力商店，可以建立个人提供内容偏好，系统平台通过对比个人能力商店与正在发布的悬赏信息后，对于符合承接悬赏要求的有能力用户，系统自动向该用户发布提醒信息，从而进一步促进悬赏交易对接效率。
资金的提现管理，用户对于处于非冻结状态的个人账户资金具有随时提现的权利，用户可以实时对系统内的账户资金转移至系统中关联的银行账户或第三方支付账户。
一种基于移动互联网的悬赏交易系统，包括UI交互层、逻辑层、数据层、系统层和物理层。
逻辑层包括悬赏管理模块、抢单模块、交流管理模块、交易管理模块、违约处理模块、争议管理模块、密码管理模块，悬赏类别管理模块、个人信息管理模块、账户信息管理模块和位置管理模块。
交易系统采用移动终端应用系统(APP)和服务器端应用系统的两级应用系统，移动终端应用系统是悬赏方和抢单方的操作软件，可以操作或查询悬赏订单或交易，管理个人信息，服务器端应用系统存储全部用户信息、全部交易信息、交易规则管理、交易资金管理和交易过程监管等功能。
与现有技术相比，本发明的有益效果为：本发明采用基于移动互联网的独特的悬赏交易处理方法，悬赏方自定义需求和交易条件，使得悬赏方的个性化需求能够及时有效的得到满足，尤其是使得即时性需求在现有的电商模式下能够得到快速响应，进一步提高了悬赏交易对接效率。
附图说明
图1是本发明的悬赏交易处理方法流程图；
图2是本发明的悬赏交易系统架构图。
具体实施方式
以下结合实施例对本发明的技术方案做进一步详细说明：
实施例：
一种基于移动互联网的悬赏交易处理方法，包括以下步骤：
(1)悬赏方和抢单方通过移动应用终端在交易系统中以自然人、合法机构或身份证名义进行实名注册账户，注册账户的同时将银行账户信息或第三方支付账户信息注册于系统中，注册账户直接与用户的银行卡账户或第三方支付账户绑定；
(2)悬赏方在发布需求时在交易系统中存有不少于交易金额的资金；
(3)悬赏方自行填写需求内容、交易条件、交付方式、交付地点和悬赏金额；
(4)悬赏方以悬赏的方式发布需求信息，悬赏方选定悬赏信息的发布范围，系统平台也可以根据悬赏达成的效率按照一定规则自动进行发布范围调整，当交易信息发布时交易金额以悬赏金的方式在交易系统中被冻结；
(5)在未达成交易合作确认前，悬赏方可修改悬赏订单的全部信息，悬赏方可以自由撤回需求订单，交易系统自动解除悬赏金的冻结，悬赏方也可以拒绝任何一个抢单方的合作确 认要求，悬赏方可以将订单重新置为悬赏中状态；
(6)抢先获得需求订单的交易抢单方，和悬赏方建立即时响应的交易对接方法，此时订单自动处于锁定状态，确保其他人无法再进行抢单；
(7)如果交易需要履约保证金，则系统采用交易双方等额保证金的方式保护交易双方的交易利益，悬赏方的保证金从悬赏金总额扣除，抢单方需要在交易系统的账户提供与悬赏方保证金等额的资金，但履约保证金不能大于悬赏金；
(8)双方通过线下或线上沟通一致后，在交易系统中确认合作；
(9)双方合作确认的同时如果有履约保证金要求，交易系统自动冻结双方履约保证金；
(10)在双方确认合作后，悬赏信息仅对交易双方和系统平台提供商三方可见，抢单方可以在系统中保存电子履约证据，如果交易双方产生争议，交易双方均可以在系统中设置争议状态，此时悬赏金和履约保证金在交易系统中处于冻结状态；
(11)系统平台提供商根据双方提供的证据以及服务协议，确认违约方后，违约方的履约保证金在交易系统中支付到对方账户；
(12)双方在交易系统中确认完成交易后，交易系统自动取消对双方保证金的冻结，系统根据悬赏范围和交易金额按照一定比例扣除服务费后，自动将悬赏金余额支付到抢单方在系统中的账户；
(13)交易系统用户可以自由将交易系统中非冻结资金转入到用户的银行账户或第三方支付账户；
(14)交易双方的全部过程数据自动存储于交易系统中。
悬赏方发布的悬赏信息先发布到移动应用终端的服务器端，系统对悬赏方发布的需求通过违法违规字典实施自动过滤，并且采用人工抽查和用户在线举报的方式对于不合法需求规避，然后根据悬赏方指定的交易交付地，采用如下四种推送模式中的一种进行推送：
模式一：服务器端将悬赏信息发给离交付地一定距离内的移动应用终端；
模式二：服务器端将悬赏信息发给所有注册帐户的移动应用终端；
模式三：服务器端将悬赏信息发给所有的移动应用终端，移动应用终端程序根据本机位置坐标判断是否属于规定的交付地范围，如果不属于则不显示，如果属于则显示本信息；对于无法判断其位置的用户终端则显示全部信息；
模式四：服务器端将悬赏信息发给所有的移动应用终端，移动应用终端程序根据本机位置坐标判断是否属于规定的交付地范围，如果不属于则不显示，如果属于则显示本信息；对于在个人能力商店中可以承接的悬赏订单类型符合该悬赏信息类型的，系统自动对该抢单方 推送提醒信息。
悬赏信息的排序规则，根据悬赏类型、悬赏标的和悬赏结束时间，按照平台内置的规则进行排序，对于超出悬赏结束时间的悬赏，系统自动取消对于该信息的显示。
悬赏方发布的需求包括商品、物品、服务或信息中的一种或几种的结合，并且可以反向需求悬赏。
悬赏方发布的悬赏方式包括文字方式，图片方式、语音方式或视频方式。
当其中一方确认交易完成，且另一方未做交易完成也未提出异议申请，在一定期限后系统默认交易完成，悬赏金在扣除服务费后自动转移至抢单方。
在双方确认合作后，抢单方如果存在资金需求，抢单方可以在线申请信用贷款用于订单的履行，信用贷款的取得依据其个人征信满足系统发放贷款的要求；双方交易完成后，悬赏方的资金在转移至抢单方的同时完成平台服务费、贷款本金和利息的回收。
用户信用管理，系统平台根据用户的履约次数进行晋级的方式实施信用等级管理，对于交易违约的用户，系统采用违约次数进行负面晋级的方式实施信用等级管理，用户可以利用诚信履约等级积分消除违约负面晋级，从而在系统平台上完成信用救赎。
所有注册帐户可以在系统中建立个人能力商店，包括个人介绍、年龄、学历、资质、能力、资源或可以承接的悬赏订单类型，通过开设个人能力商店，可以建立个人提供内容偏好，系统平台通过对比个人能力商店与正在发布的悬赏信息后，对于符合承接悬赏要求的有能力用户，系统自动向该用户发布提醒信息，从而进一步促进悬赏交易对接效率。
资金的提现管理，用户对于处于非冻结状态的个人账户资金具有随时提现的权利，用户可以实时对系统内的账户资金转移至系统中关联的银行账户或第三方支付账户。
一种基于移动互联网的悬赏交易系统，包括UI交互层、逻辑层、数据层、系统层和物理层，逻辑层包括悬赏管理模块、抢单模块、交流管理模块、交易管理模块、违约处理模块、争议管理模块、密码管理模块，悬赏类别管理模块、个人信息管理模块、账户信息管理模块和位置管理模块。
交易系统采用两级应用系统，移动终端应用系统(APP)和服务器端应用系统；移动终端应用系统是悬赏方和抢单方的操作软件，可以操作或查询悬赏订单或交易，管理个人信息，服务器端应用系统存储全部用户信息、全部交易信息、交易规则管理、交易资金管理和交易过程监管等功能。
以上通过实施例对本发明的进行了详细说明，但所述内容仅为本发明的较佳实施例，不能被认为用于限定本发明的实施范围。凡依本发明申请范围所作的均等变化与改进等，均应 仍归属于本发明的专利涵盖范围之内。

Claims (11)

  1. 一种基于移动互联网的悬赏交易处理方法，其特征在于：包括以下步骤：
    (1)悬赏方和抢单方需要在悬赏交易系统中实名注册，其注册账户可以将银行账户信息或第三方支付账户信息与其在系统中的账户进行关联绑定；
    (2)悬赏方自行填写需求内容、交易条件、交付方式、交付地点和悬赏金额，需求信息可以是文字、图片、语音或视频的形式上传系统；
    (3)悬赏方以悬赏的方式发布需求信息时，其在系统中的账户可用资金余额需要不少于悬赏金总额，否则悬赏方需将不少于悬赏金总额的资金从其金融账户中转入到其在系统中的账户，满足以上条件悬赏方其悬赏信息才可以正式发布，悬赏信息发布的同时悬赏方在悬赏交易系统中的与本次悬赏金等额的资金即刻被冻结；
    (4)悬赏方如果需要抢单方提供履约保证金，在悬赏交易系统中悬赏方和抢单方提供相同额度的履约保证金规则且履约保证金不能高于悬赏金，悬赏方的履约保证金从悬赏金中提取等额部分作为履约保证金，抢单方在系统账户中的资金余额需要不少于履约保证金总额方具备合作资格；
    (5)抢单方采用先到先得的签单的方式在悬赏交易系统中获得悬赏交易优先权，抢单成功后，悬赏方和抢单方形成了交易对接，该悬赏订单处于锁定待合作确认状态；
    (6)在悬赏方和抢单方未达成交易合作确认前，悬赏方有权修改悬赏订单的全部信息，悬赏方可以自由撤回需求订单，交易系统自动解除悬赏金的冻结；
    (7)如果该笔悬赏交易需要履约保证金，则抢单方需要在悬赏交易系统的账户资金余额不少于该笔悬赏订单所要求的履约保证金总额，方具备合作确认条件；
    (8)悬赏方和抢单方通过线下或线上沟通一致后，在交易系统中确认合作；
    (9)悬赏方和抢单方双方合作确认的同时如果有履约保证金要求，交易系统自动冻结双方履约保证金；
    (10)在双方确认合作后，抢单方可以在系统中保存电子履约证据，如果交易双方产生争议，交易双方均可以在悬赏交易系统中设置争议状态，此时悬赏金和履约保证金在交易系统中处于冻结状态；
    (11)系统平台提供商根据双方提供的证据以及服务协议，确认违约方后，违约方的履约保证金在悬赏交易系统中支付到对方账户；
    (12)双方在悬赏交易系统中确认完成交易后，交易系统自动取消对双方保证金的冻结，系统按照一定比例扣除服务费后，自动将悬赏金余额支付到抢单方在系统中的账户；
    (13)悬赏交易系统的用户可以自由将交易系统中非冻结资金提取到用户的银行账户或 第三方支付金融账户；
    (14)悬赏交易双方的所有的操作都是在移动终端设备的App应用程序中完成；
    (15)交易双方的全部过程数据自动存储于交易系统中。
  2. 根据权利要求1中所述的一种基于移动互联网的悬赏交易处理方法，其特征在于：悬赏方发布的悬赏信息先发布到服务器端，然后根据悬赏方指定的交易交付地，采用如下四种推送模式中的一种进行推送：
    模式一：服务器端将悬赏信息发给离交付地一定距离内的移动应用终端；
    模式二：服务器端将悬赏信息发给所有注册帐户的移动应用终端；
    模式三：服务器端将悬赏信息发给所有的移动应用终端，移动应用终端程序根据本机位置坐标判断是否属于规定的交付地范围，如果不属于则不显示，如果属于则显示本信息；对于无法判断其位置的用户终端则显示全部信息；
    模式四：服务器端将悬赏信息发给所有的移动应用终端，移动应用终端程序根据本机位置坐标判断是否属于规定的交付地范围，如果不属于则不显示，如果属于则显示本信息；对于在个人能力商店中可以承接的悬赏订单类型符合该悬赏信息类型的，系统自动对该抢单方推送提醒信息。
  3. 根据权利要求1中所述的一种基于移动互联网的悬赏交易处理方法，其特征在于：所述处理方法为基于移动互联网悬赏方式的即时响应交易对接方法。
  4. 根据权利要求1中所述的一种基于移动互联网的悬赏交易处理方法，其特征在于：系统中的注册帐户为实名注册，包括自然人、合法机构或身份证，系统中的账户可以和其银行账户信息或第三方支付账户进行绑定，系统仅对用户的昵称信息对外披露或对交易双方进行真实披露。
  5. 根据权利要求1中所述的一种基于移动互联网的悬赏交易处理方法，其特征在于：悬赏方发布的需求包括商品、物品、服务或信息中的一种或几种的结合，并且可以反向需求悬赏。
  6. 根据权利要求5中所述的一种基于移动互联网的悬赏交易处理方法，其特征在于：悬赏方发布的悬赏需求包括文字方式，图片方式、语音方式或视频方式体现。
  7. 根据权利要求1中所述的一种基于移动互联网的悬赏交易处理方法，其特征在于：抢单方在实施抢单动作后，该订单自动处于锁定状态，确保其他人无法再进行抢单，在双方没有合作确认前，悬赏方可以拒绝任何一个抢单方的合作确认要求，悬赏方可以将订单重新置为悬赏中状态。
  8. 根据权利要求1中所述的一种基于移动互联网的悬赏交易处理方法，其特征在于：当其中一方确认交易完成，且另一方未做交易完成也未提出异议申请，在一定期限后系统默认交易完成，悬赏金在扣除服务费后自动转移至抢单方。
  9. 根据权利要求1中所述的一种基于移动互联网的悬赏交易处理方法，其特征在于：在双方确认合作后，抢单方如果存在资金需求，抢单方可以在线申请信用贷款用于订单的履行，信用贷款的取得依据其个人征信满足系统发放贷款的要求，双方交易完成后，悬赏方的资金在转移至抢单方的同时完成平台服务费、贷款本金和利息的回收。
  10. 根据权利要求1中所述的一种基于移动互联网的悬赏交易处理方法，其特征在于：所有注册帐户可以在系统中建立个人能力商店，包括个人介绍、年龄、学历、资质、能力、资源或可以承接的悬赏订单类型。
  11. 一种如权利要求1-10任一项所述的基于移动互联网的悬赏交易系统，包括UI交互层、逻辑层、数据层、系统层和物理层；
    逻辑层包括悬赏管理模块、抢单模块、交流管理模块、交易管理模块、资金管理模块、违约处理模块、争议管理模块、密码管理模块，悬赏类别管理模块、个人信息管理模块、账户信息管理模块和位置管理模块；
    交易系统采用两级应用系统，统移动终端应用系统(APP)和服务器端应用系统；
    移动终端应用系统是悬赏方和抢单方的操作软件，可以操作或查询悬赏订单或交易，管理个人信息，服务器端应用系统存储全部用户信息、全部交易信息、交易规则管理、交易资金管理和交易过程监管。
PCT/CN2015/074288 2014-12-18 2015-03-16 一种基于移动互联网的悬赏交易处理方法和系统 WO2016095350A1 (zh)

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