WO2016155195A1 - 一种安全的网络交易方法、网络交易平台以及服务费用平台 - Google Patents

一种安全的网络交易方法、网络交易平台以及服务费用平台 Download PDF

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Publication number
WO2016155195A1
WO2016155195A1 PCT/CN2015/087028 CN2015087028W WO2016155195A1 WO 2016155195 A1 WO2016155195 A1 WO 2016155195A1 CN 2015087028 W CN2015087028 W CN 2015087028W WO 2016155195 A1 WO2016155195 A1 WO 2016155195A1
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Prior art keywords
platform
transaction
network transaction
service fee
seller
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Ceased
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PCT/CN2015/087028
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English (en)
French (fr)
Inventor
李书福
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Zhejiang Geely Holding Group Co Ltd
Zhejiang Geely Automobile Research Institute Co Ltd
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Zhejiang Geely Holding Group Co Ltd
Zhejiang Geely Automobile Research Institute Co Ltd
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Priority to CN201580078462.8A priority Critical patent/CN107430747A/zh
Priority to US15/563,897 priority patent/US20180121982A1/en
Publication of WO2016155195A1 publication Critical patent/WO2016155195A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0239—Online discounts or incentives
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/01—Customer relationship services
    • G06Q30/015—Providing customer assistance, e.g. assisting a customer within a business location or via helpdesk
    • G06Q30/016—After-sales
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Qualifying participants for shopping transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Electronic shopping [e-shopping] using intermediate agents
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Electronic shopping [e-shopping] using intermediate agents
    • G06Q30/0617—Representative agent
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the invention relates to the field of computer applications, in particular to a secure network transaction method, a network transaction platform and a service fee platform.
  • each store is the main selling body (or seller).
  • the online trading platform only provides a unified platform for each store to trade with consumers (or buyers) and manages the platform. The normal operation.
  • the consumer When a consumer has a transaction dispute with a store on the online trading platform, in practice, the consumer usually can only initiate an activist action against the store directly.
  • an embodiment of the present invention provides a secure network transaction method, a network transaction platform, and a service fee platform, so as to reduce the difficulty of the consumer's rights protection against the store when a transaction dispute occurs between the consumer and the store. Better guarantee the rights and interests of consumers.
  • a secure network transaction method including:
  • the online trading platform When the buyer and the seller make an online transaction through the online trading platform, the online trading platform from the The transaction funds of the pen network transaction are deducted a part of the fee as the service fee of the network transaction, and the remaining transaction funds after deducting the service fee are transferred to the seller account, and the service fee of the network transaction is transferred to the service fee platform;
  • the service fee for each network transaction conducted on the trading platform constitutes a pool of compensation funds on the service fee platform;
  • the service fee platform extracts the compensation funds for the online transaction from the pool of compensation funds and transfers the funds to the buyer's account.
  • a network transaction platform includes a first processor
  • the first processor is configured to: when the buyer and the seller conduct a network transaction through the network transaction platform, deduct a part of the fee from the transaction funds of the network transaction as the service fee of the network transaction, and deduct the service fee. After the remaining transaction funds are transferred to the seller account, the service fee of the network transaction is transferred to the service fee platform, and the service fee of each network transaction performed on the network transaction platform constitutes a compensation fund pool on the service fee platform; When the buyer initiates a claim for the online transaction, a portion of the funds in the compensation fund pool is transferred from the service fee platform to the buyer account as compensation funds for the online transaction.
  • a service fee platform is disclosed, where the service fee platform includes a second processor;
  • the second processor is configured to: save a service fee of each network transaction transferred by the network transaction platform, and constitute a compensation fund pool; when the buyer initiates a claim for a network transaction, the pen is extracted from the compensation fund pool The compensation funds of the network transaction are transferred to the buyer account; wherein the service fee of the network transaction is a part of the fee deducted from the transaction funds of the network transaction, and the remaining transaction funds after deducting the service fee are transferred to the seller account.
  • the service fee platform can provide rights protection channels and compensation to the buyer on the network transaction platform, and in the event of infringement, the buyer can also obtain compensation funds equal to or greater than the transaction funds from the service fee platform without Claiming to the seller helps to improve the convenience and reliability of the buyer’s rights and compensation.
  • the network transaction platform in the present invention is different from the consumer insurance and other means on other network transaction platforms, and the consumer insurance and the like require the buyer to additionally pay the insurance fee, so as to increase the buyer's shopping burden.
  • the present invention does not require the buyer to pay an additional insurance fee, but deducts a portion of the service fee from the transaction funds of each network transaction as a source of compensation funds.
  • the service fee platform in Mingzhong is also different from the self-operated model of other online trading platforms.
  • the online trading platform needs to bear the liability for breach of contract, but in fact, it is more difficult for the buyer to fight against the large-scale online trading platform and defend the rights.
  • the service fee platform of the invention can be managed by different operators and the network transaction platform, and serves as a fair third party to provide guarantee for the buyer, and the processing process is fair, open, effective and timely.
  • the present invention can maximize the automation of signing of an electronic protocol, and can perform different processing procedures for new stores and established stores.
  • the solution according to the present invention can spread the time of the contract, avoiding the network transaction platform processing a large amount of data in a short time, and reducing the transient of the transaction platform server. Load, and minimize the total data processing capacity of the online trading platform.
  • FIG. 1 schematically illustrates an exemplary application scenario in which embodiments of the present invention may be implemented
  • FIG. 2 shows a flow chart of a secure network transaction method in accordance with an embodiment of the present invention
  • FIG. 3 shows a signaling diagram of a secure network transaction method in accordance with an embodiment of the present invention
  • FIG. 4 is a signaling diagram showing an electronic agreement between a network transaction platform and a client of a seller according to an embodiment of the present invention
  • FIG. 5 is a flowchart showing a signing method of an electronic protocol according to an embodiment of the present invention.
  • FIG. 6 is a structural block diagram of a network transaction platform according to an embodiment of the present invention.
  • FIG. 7 is a structural block diagram of another network transaction platform according to an embodiment of the present invention.
  • FIG. 8 is a block diagram showing the structure of a service fee platform according to an embodiment of the present invention.
  • FIG. 1 is a schematic diagram showing an embodiment in which an embodiment of the present invention can be implemented.
  • An example application scenario includes a network transaction platform (also referred to as a network transaction server) 101, a service fee platform (or service fee server) 102, a buyer's client 103, and a vendor's client 104, which are communicated via the network 105. Interact to complete online transactions.
  • the network transaction platform 101 and the service fee platform 102 may be independent platforms and managed by different operators.
  • FIG. 2 is a flowchart of a secure network transaction method according to an embodiment of the present invention. The method may include the following steps:
  • the network transaction platform deducts a part of the fee from the transaction funds of the network transaction as the service fee of the network transaction, and the remaining after the service fee is deducted
  • the transaction funds are transferred to the seller account, and the service fee of the network transaction is transferred to the service fee platform;
  • the service fee of each network transaction performed on the network transaction platform constitutes a compensation fund pool on the service fee platform;
  • the service fee platform extracts the compensation fund of the network transaction from the compensation fund pool and transfers the money to the buyer account.
  • FIG. 3 shows a signaling diagram of a secure network transaction method in accordance with an embodiment of the present invention.
  • the method comprises:
  • S301 The buyer browses the store on the online trading platform through the buyer's client and selects the product from the store;
  • S302 the buyer's client sends a purchase and payment instruction to the online transaction platform for the selected product of the buyer;
  • the network trading platform generates a transaction code for the network transaction according to the purchase and payment instruction, and freezes the pre-stored payment in the buyer account (ie, the transaction fund of the network transaction);
  • S304 the network transaction platform issues an instruction for successful payment to the buyer's client and the seller's client, and issues a transaction code of the network transaction to the buyer's client;
  • S305 The seller's client indicates to the seller that the payment is successful according to the received payment success instruction, so that the seller arranges the delivery;
  • the buyer's client indicates to the buyer the payment success and the transaction code of the online transaction according to the received payment success instruction, so that the buyer can track the delivery progress on the buyer's client at any time according to the transaction code, and wait for the receipt;
  • S307a If the buyer confirms the receipt after receiving the goods, the buyer's client sends a notice to the online trading platform to confirm the receipt;
  • S308a the network trading platform unfreezes the transaction funds of the online transaction, and deducts a part of the fee from the transaction funds of the network transaction as the service fee of the network transaction;
  • S309a The network transaction platform transfers the service fee of the online transaction to the service fee platform;
  • the service fee platform collects and records the service fee details of each seller after receiving the service fee from the network transaction platform, and the service fee platform periodically returns the above service fee details to the corresponding seller's client.
  • the service fee for each network transaction constitutes a pool of compensation funds in the service fee platform.
  • S310a The online trading platform transfers the remaining transaction funds (or the net transaction funds) after deducting the service fee to the seller account, and the transaction ends;
  • S307b If the buyer rejects the goods for various reasons after receiving the goods, the buyer's client sends a notice to the online trading platform to reject the goods, and the buyer arranges the return;
  • S308b After the seller receives the buyer's return, the seller's client sends an instruction to confirm the return to the online trading platform;
  • S309b The online trading platform unfreezes the transaction funds of the online transaction
  • S310b The online trading platform returns the transaction funds of the online transaction to the buyer account, and the transaction ends;
  • S312 The network transaction platform forwards the request for the claim to the service fee platform for processing
  • the buyer's client can also issue a request for the claim directly to the service fee platform.
  • S313 The service fee platform identifies whether the product has quality problems
  • the service fee platform After confirming the quality problem of the product, the service fee platform extracts a certain amount of compensation funds from the compensation fund pool and returns it to the buyer account.
  • the amount of compensation funds may be N times the amount of the transaction funds of the online transaction, and N is a positive integer.
  • the network transaction platform needs to sign the relevant electronic agreement with the seller's client before extracting a certain service fee from each of the seller's transaction funds.
  • the electronic agreement may include an agreement related to the service fee, for example, a contract for the network transaction platform to charge the seller for the service fee, a ratio of the service fee, and the like.
  • the signing of the electronic agreement can be initiated by the online trading platform or by the seller's client.
  • the electronic agreement between the network transaction platform and the seller's client includes: the network transaction platform detects whether an electronic has been signed between the self-established store and the established store. The agreement, if no electronic agreement is signed, generates an electronic agreement to be signed, and sends an electronic agreement signing request carrying the electronic agreement to be signed to the client corresponding to the store; the seller's client sends to the network trading platform whether the seller accepts the The electronic agreement of the electronic agreement is signed in response; wherein, when the electronic agreement signing response indicates that the seller accepts the electronic agreement, the network trading platform deducts a portion of the fee from the transaction funds of the network transaction as the service fee of the network transaction.
  • the online trading platform detects whether an electronic agreement has been signed between itself and the established store: the online trading platform responds to the order initiated by the buyer's client, and detects whether an electronic agreement has been signed between the store corresponding to the order.
  • the agreement status information is stored on the network transaction platform, and the agreement signing status information is divided into the signed status and the unsigned status, and is used to indicate whether the network transaction platform signs an electronic agreement with the established store; the network transaction platform detects Whether an electronic agreement has been signed between itself and the established store: The online trading platform has signed an electronic agreement between the self-established store and the established store based on the agreement status information.
  • the network transaction platform generates a protocol signing status flag corresponding to the agreement signing status information visible to the buyer in the page of the shop displayed to the buyer's client, and the agreement signing status flag is used to show the buyer whether the shop has signed with the network trading platform. Electronic agreement.
  • the electronic agreement between the network transaction platform and the seller's client includes: the seller's client generates a store setup request according to the seller's input, and sends the store setup request to the network transaction platform.
  • the online trading platform deducts a portion of the fee from the transaction funds of the online transaction as the service fee for the online transaction.
  • the network trading platform sets the agreement signing status information of the seller's store to the signed state.
  • the online trading platform terminates the signing of the electronic agreement.
  • the network transaction platform Before the network transaction platform generates the electronic agreement to be signed, the network transaction platform obtains the store information of the seller's store, and detects whether the store information is complete; wherein, when the store information is complete, the network transaction platform generates an electronic agreement to be signed.
  • the network transaction platform sends a form filling request carrying the information collection form to the seller's client; the seller's client sends a form filling response to the online trading platform, and the form filling response carries the information collected with the store information.
  • Form the online trading platform extracts store information from the information collection form and stores it on the online trading platform.
  • the network transaction platform detects, according to the store information, whether the store meets the signing requirement of the electronic agreement signed by the network transaction platform; wherein, when the store meets the signing requirement of the electronic agreement signed by the network transaction platform, the network transaction platform generates The electronic agreement to be signed.
  • the online trading platform terminates the signing of the electronic agreement.
  • At least one of the store information is a risk related item related to the store operation risk; the network transaction platform detects, according to the store information, whether the store meets the contractual requirement of the electronic agreement signed by the network transaction platform, including: the network transaction platform utilizes the risk related item Calculating the risk factor of the store according to a predetermined algorithm, comparing the risk factor of the store with a preset risk threshold, and if the risk factor of the store is greater than or equal to the preset risk threshold, determining that the store does not meet the predetermined electronic agreement of the network transaction platform The signing requirement, if the risk factor of the store is less than the preset risk threshold, determines that the store meets the signing requirements of the electronic agreement signed by the online trading platform.
  • Pre-set risk factors and weights corresponding to various risk-related items are stored on the network transaction platform, and the risk factors are calculated according to risk factors and weights of risk-related items in the store information. of.
  • the network transaction platform deducts a part of the fee from the transaction funds of the network transaction as the service fee of the network transaction, including: the network transaction platform calculates the service fee of the network transaction according to the service fee ratio agreed with the seller, and the service fee ratio The service fee accounts for the proportion of the transaction funds; the online trading platform deducts the service fee of the network transaction from the transaction funds of the network transaction.
  • the service fee ratio may be a fixed ratio.
  • the service charge ratio is 0%-8%. In a preferred embodiment of the invention, the service charge ratio is 3%.
  • the service fee ratio may also be calculated by the network transaction platform according to at least one of the seller's store information and the service fee related item related to the calculated service fee ratio.
  • the service charge ratio is inversely proportional to the cumulative transaction volume of the store.
  • the network transaction platform terminates the signing of the electronic agreement
  • the network transaction platform if the signing of the electronic agreement is initiated by the seller's client, the network transaction platform generates a store setup response indicating that the current electronic agreement is terminated, and sends the store setup response to the seller.
  • the client if the signing of the electronic agreement is initiated by the network trading platform, the network trading platform generates a transaction failure message indicating that the order is terminated because the electronic agreement cannot be signed, and sends a transaction failure message to the seller's client.
  • FIG. 4 is a signaling diagram of an electronic transaction protocol signed by a network transaction platform with a client of a vendor according to an embodiment of the present invention.
  • the signing of the electronic protocol may be initiated by the network transaction platform or the client of the seller, as shown in FIG. 4, which is an illustration of the signing of the electronic protocol initiated by the seller's client.
  • the signing process of the electronic agreement was issued. Specifically include:
  • S401 When the seller wants to newly establish a store in the online trading platform, the seller's client generates a store setup request according to the seller's input, and sends the store setup request to the network transaction platform to initiate the signing of the electronic agreement.
  • the online trading platform can also actively detect whether an electronic agreement has been signed between the store and the established store, and in the absence of an electronic agreement, the network The trading platform generates a protocol signing order to initiate the signing of an electronic agreement for the store.
  • the established stores in the online trading platform may also be The signing of the electronic agreement is initiated by the seller's client.
  • the client's client may generate a protocol signing request according to the seller's input and send it to the network trading platform to initiate the signing of the electronic agreement, which is similar to the signing of the agreement for the newly established store, so in this
  • the agreement signing request can be substantially the same as the shop setting request.
  • the buyer-initiated order can be monitored by the network transaction platform and, in response to the monitored order, an electronic agreement is signed between the stores corresponding to the order.
  • an electronic agreement is signed between the stores corresponding to the order.
  • the detection of an electronic protocol for a certain store is triggered by an order associated with the store.
  • the online trading platform detects whether an electronic agreement has been signed with the store only if the store may have a transaction with the buyer. For some existing stores on the online trading platform, although no electronic agreement has been signed, as long as no transactions occur, the online trading platform may not initiate the signing of the electronic agreement.
  • the time point for the network transaction platform to sign a large number of stores is dispersed, and the network transaction platform is prevented from processing a large amount of data related to the agreement signing in a short time, thereby reducing the instantaneous load of the network transaction platform.
  • the electronic agreement will not be initiated, thus avoiding useless data processing and reducing the total data processing capacity of the online trading platform.
  • the monitoring of the order by the online trading platform can be performed after the order has been submitted by the buyer but before being sent to the seller.
  • the online trading platform can suspend the processing of the order and detect the electronic agreement after monitoring the order.
  • the network transaction platform may suspend the subsequent process of the order and generate an electronic agreement signing request to start the electronic device for the store corresponding to the order.
  • the signing of the agreement In the case that the network transaction platform detects that the shop corresponding to the order has signed the electronic agreement, the subsequent process of the order may be continued, for example, the order is sent to the seller, so that the transaction between the buyer and the seller is performed normally. .
  • the network transaction platform may store corresponding agreement signing status information for each established store to indicate whether the network transaction platform has signed a desired electronic agreement with the store.
  • the status information of the agreement can be divided into signed status and unsigned status.
  • the agreement signing status information corresponding to the store can be set to the signed state. In this way, the online trading platform can detect whether the electronic agreement has been signed according to the agreement information of the store.
  • the store information of each store is stored in the online trading platform, and the agreement signing state information can be stored in the network trading platform as a part of the store information.
  • S402 The network transaction platform acquires store information of the store.
  • the required store information may include: a seller name, a seller address, a seller registration fund, a seller collection account, a sales item category, and other required certification documents.
  • This step can be performed without the store information of the store on the network transaction platform, or when the existing store information is incomplete.
  • any store information of the store may not have been stored in the online trading platform.
  • some of the store information for the store is stored in the online trading platform, but it is incomplete for implementing the steps that will be described later.
  • the acquisition step of the store information may be omitted.
  • the information collection form can be used to collect store information.
  • the information collection form may be pre-configured by the network transaction platform according to the required store information, and in this way, the completeness of the store information can be ensured.
  • the network transaction platform may return a form fill request to the seller's client in response to the store setup request from the seller's client, the form fill request carrying the information to be filled out Collect the form. If the agreement is initiated by the network transaction platform, the network transaction platform may send a form fill request to the seller's client in response to the protocol signing instruction generated within the network transaction platform. In another embodiment, the unfilled information collection form may be preset in the seller's client. When the network transaction platform obtains the store information, the network transaction platform may only send a form filling request to the seller's client, and the form is filled in. The information collection form to be filled out is not included in the request.
  • the seller's client may, in response to the form fill request, present the information collection form from the web trading platform or preset to the seller for filling in the seller's client. After the seller fills in the store information in the information collection form by using the seller's client, the seller's client sends the information collection form that has been filled in the store information to the online transaction platform.
  • the network transaction platform extracts the store information from the information collection form, and stores the extracted store information in the network transaction platform. If the information collection form is preset in the seller's client, for the sake of simplicity and efficiency, the seller can send the information collection form together with the store setup request to the online transaction platform after filling in the store information.
  • the network transaction platform can check whether the shop can be contracted according to the store information. If yes, proceed to step 404; otherwise, terminate the sign-off process.
  • the review may include detecting whether the store information is complete for signing the electronic agreement. If the store information is incomplete, in addition to terminating the contracting process, it is also possible to return to the above-mentioned step S402 to reacquire the store information.
  • a form fill request may be sent by the web trading platform to the seller's client to collect store information through the information collection form.
  • the review may further include detecting whether the store meets the signing requirements for signing the electronic agreement predetermined by the network transaction platform.
  • the signing requirement includes a risk assessment of the store.
  • the store information acquired by the network transaction platform may be risk related items related to the operation risk of the store, and the network transaction platform may calculate the risk factor of the store according to a predetermined algorithm by using the risk related item, and Comparing the risk factor of the store with a predetermined risk threshold. If the risk factor of the store is greater than or equal to the risk threshold, the store does not meet the corresponding contracting requirement; otherwise, the store meets the corresponding contracting requirement.
  • preset risk factors and weights corresponding to various risk related items may be stored in the network trading platform.
  • the risk factor of the store can be calculated based on the risk coefficient and weight of the risk related item in the store information.
  • the risk related items herein are used to evaluate the operational risks of the store, and may include, for example, store registration funds, operating hours, sales goods categories, historical buyer evaluations, claim history, and amounts.
  • automatic auditing of the store can be achieved to reduce the amount of manual work.
  • an auxiliary manual review can be attached to the automatic review.
  • the claim history and amount can be provided by the service fee platform to the online trading platform.
  • a store establishment rejection response may be generated by the network transaction platform and sent to the seller's client to the seller. Indicates the termination of the current electronic agreement and the refusal of the seller to set up a store.
  • a transaction failure message may be generated by the network trading platform. And send it to the seller's client to indicate to the seller that the order could be terminated because the electronic agreement could not be signed.
  • a shop that has signed an electronic agreement may also perform a later review, which includes checking whether the store meets the elimination criteria predetermined by the network transaction platform. For example, when the store Due to the high amount of claims and the record of bad history, the shop will reach the standard of being eliminated by the online trading platform because of the integrity issue. At this time, the cancellation process of canceling the store from the online trading platform can be initiated.
  • the network transaction platform sends an instruction to terminate the current partnership to the client of the seller who has signed the electronic agreement, and announces the eliminated seller information on the network transaction platform, which has stopped and eliminated the counterfeiting on the platform. The purpose of counterfeit products and to make consumers aware of the seller's information on the manufacture of counterfeit and shoddy products.
  • the network trading platform determines the proportion of the service fee extracted to the store according to a predetermined policy.
  • the predetermined policy may be to set the service charge ratio to a fixed ratio, and the fixed ratio is set by the network transaction platform.
  • the fixed ratio may be selected between 1% and 5%, and more specifically, the fixed ratio may be 3%.
  • the predetermined policy may be a ratio of service charges calculated according to a predetermined algorithm according to one or more service charge related items in the store information (ie, items related to calculation of a ratio of service charges) .
  • the service cost coefficient and the weight corresponding to various service fee related items are stored in the network transaction platform, and the proportion of the service fee is calculated according to the service cost coefficient and the weight.
  • the service cost related item is used to determine the proportion of the service fee, and may include, for example, a store registration fund, a sales item category, and a risk factor calculated in the foregoing. In this way, the proportion of service charges can be automatically calculated to reduce the amount of manual work.
  • an auxiliary manual review can be added on the basis of automatic calculation.
  • the network transaction platform After determining the proportion of the service fee, the network transaction platform sends an electronic agreement signing request carrying the electronic protocol to be signed to the client of the seller.
  • the electronic protocol to be signed may be generated by the network transaction platform by loading the proportion of the service fee on the preset protocol template and other information such as the seller name, the seller address, and the like.
  • the preset protocol template may have corresponding clauses for agreeing that the network transaction platform charges the store for the service fee.
  • S406 The seller's client sends an electronic agreement signing response to the network transaction platform indicating whether the seller accepts the electronic agreement.
  • the seller can input the instruction of whether to accept the electronic agreement at the seller's client, and the seller's client according to the The instruction generates an electronic agreement signing response and returns the electronic agreement signing response to the online trading platform.
  • S407 The network transaction platform sends a store setup response to the seller's client according to whether the seller accepts the electronic agreement.
  • the online trading platform terminates the contract. Specifically, when the seller refuses to accept the electronic agreement, and the signing of the electronic agreement is initiated by the seller's client, for example, through a store setup request, the network transaction platform generates a store establishment rejection response and sends it to the seller's client to The seller stated that it terminated the current electronic agreement and refused to set up the store. Conversely, when the seller accepts the electronic agreement and the electronic agreement is initiated by the seller's client, for example, through a store setup request, the network transaction platform generates a store setup permission response and sends it to the seller's client to indicate to the seller. Continue the signing of the current electronic agreement and allow the seller to set up a store.
  • the online trading platform When the seller refuses to accept the electronic agreement, and the electronic agreement is signed by the online trading platform, for example, through the agreement signing order, since the order submitted by the buyer to the store is suspended at this time, the online trading platform generates a transaction failure message and It is sent to the seller's client to indicate to the seller that the order has been terminated due to the inability to sign the electronic agreement. Conversely, when the seller accepts the electronic agreement and the electronic agreement is initiated by the network transaction platform, for example, by an agreement signing instruction, the network transaction platform generates a transaction success message and sends it to the seller's client to indicate to the seller that The electronic agreement is signed and the order is continued.
  • the network transaction platform may also send information such as the store registration number and the store network address corresponding to the store to the seller's client. , indicating that the online trading platform has formed a cooperative relationship with the seller, and the seller can display and sell related products on the platform.
  • the agreement status information can be used to indicate whether the online trading platform and the store have signed an electronic agreement.
  • the agreement signing status information of the corresponding store may be set to the signed status or the unsigned status by the network transaction platform.
  • the network transaction platform may also generate a protocol signing status flag corresponding to the agreement signing status information visible to the buyer in the shop display page.
  • a protocol signing status flag corresponding to the agreement signing status information visible to the buyer in the shop display page.
  • the signing method of the electronic protocol shown in FIG. 5 is a more specific embodiment. Wherein, a vertical dotted line is drawn in FIG. 5, and the left side of the broken line indicates the action performed by the network trading platform, and the right side of the broken line indicates the action performed by the seller's client.
  • the flow is initiated by the network trading platform at S521-S525.
  • the network trading platform actively detects whether the desired electronic agreement has been signed between the established and the established store, and when the electronic agreement is not signed, the network transaction platform generates a protocol signing instruction to initiate the targeting The signing of the electronic agreement of the store.
  • the method specifically includes:
  • S521 The online trading platform monitors the order initiated by the buyer.
  • the monitoring of the order by the online trading platform can be performed after the order has been submitted by the buyer but before being sent to the seller.
  • the network trading platform determines the store corresponding to the order according to the information of the order.
  • the network transaction platform reads, from the stored store information, the agreement signing status information of the store corresponding to the order.
  • S524 The network transaction platform determines whether the shop corresponding to the order has signed an electronic agreement according to the agreement status information, and if yes, proceeds to S537; otherwise, proceeds to S525.
  • S525 The network transaction platform suspends the subsequent process of the order and generates a protocol signing instruction to initiate the signing of the electronic agreement for the store corresponding to the order.
  • the network transaction platform reads the store information of the store corresponding to the order from the stored store information, so as to perform a subsequent detection process.
  • S527 The network transaction platform detects whether the store information is complete for signing the electronic protocol, and if yes, proceeds to S528; otherwise, proceeds to S533.
  • S528 The network transaction platform detects whether the shop corresponding to the order meets the signing requirement for signing the electronic agreement scheduled by the network transaction platform, and if yes, proceeds to S529; otherwise, proceeds to S536.
  • the network transaction platform determines the proportion of the service fee charged to the shop corresponding to the order according to a predetermined policy.
  • the network transaction platform generates a required electronic protocol by loading the proportion of the service fee on the preset protocol template, and sends the required electronic protocol to the seller's client.
  • the preset protocol template may have relevant clauses for agreeing that the network transaction platform withdraws the service fee from the store.
  • S531 The seller's client judges whether to accept the electronic protocol, and if so, proceeds to S532, otherwise, proceeds to S536.
  • S532 The network transaction platform sets the protocol signing status, and enters S537.
  • S533 The network transaction platform generates a form filling request carrying the information collection form, and sends a form filling request to the seller's client.
  • S534 The seller's client displays the information collection form to the seller for the seller to fill in, and returns an information collection form that has been filled in the store information to the online trading platform.
  • S535 The online trading platform extracts the store information from the information collection form and stores it, and ends the process.
  • S536 The online trading platform terminates the signing process and ends the process.
  • S537 The online transaction platform executes the follow-up process of the order.
  • the online trading platform sends an order to the seller so that the transaction between the buyer and the seller proceeds normally.
  • the above process may also be initiated by the seller's client at S511, that is, in S511, the seller wants to newly set up a store in the online trading platform, and the seller's client generates a store setup request according to the seller's input and sends it.
  • S526 To the network trading platform, to initiate the signing of the electronic agreement, enter S526.
  • the service fee platform can provide rights protection channels and compensation to the buyer on the network transaction platform, and in the event of infringement, the buyer can also obtain compensation funds equal to or greater than the transaction funds from the service fee platform without Claiming to the seller helps to improve the convenience and reliability of the buyer’s rights and compensation.
  • the network transaction platform in the present invention is different from the consumer insurance and other means on other network transaction platforms, and the consumer insurance and the like require the buyer to additionally pay the insurance fee, so as to increase the buyer's shopping burden.
  • the present invention does not require the buyer to pay an additional insurance fee, but deducts a portion of the service fee from the transaction funds of each network transaction as a source of compensation funds.
  • the service fee platform in the present invention is also different from the self-operated mode of other network transaction platforms.
  • the network transaction platform needs to bear the liability for breach of contract, but in fact, the buyer has difficulty in defending against large-scale network transaction platforms and defending rights. Big.
  • the service fee platform of the invention can be managed by different operators and the network transaction platform, and serves as a fair third party to provide guarantee for the buyer, and the process is fair, open and effective. timely.
  • the present invention can maximize the automation of signing of an electronic protocol, and can perform different processing procedures for new stores and established stores.
  • the solution according to the present invention can spread the time of the contract, avoiding the network transaction platform processing a large amount of data in a short time, and reducing the transient of the transaction platform server. Load, and minimize the total data processing capacity of the online trading platform.
  • FIG. 6 is a structural block diagram of a network transaction platform according to an embodiment of the present invention.
  • the network transaction platform 60 includes a first processor 61;
  • the first processor 61 is configured to: when the buyer and the seller conduct a network transaction through the network transaction platform, deduct a part of the fee from the transaction funds of the network transaction as the service fee of the network transaction, and deduct the service fee. After the remaining transaction funds are transferred to the seller account, the service fee of the network transaction is transferred to the service fee platform, and the service fee of each network transaction performed on the network transaction platform constitutes a compensation fund pool on the service fee platform; When the buyer initiates a claim for the online transaction, a portion of the funds in the compensation fund pool is transferred from the service fee platform to the buyer account as compensation funds for the online transaction.
  • the first processor 61 is further configured to: before deducting a part of the fee from the transaction funds of the network transaction as the service fee of the network transaction, with the seller's client The signing of an electronic agreement is made; wherein the electronic agreement includes an agreement related to the service fee.
  • the signing of the electronic protocol is initiated by a network transaction platform or a client of the seller.
  • the first processor 61 when the signing of the electronic protocol is initiated by the network transaction platform, is specifically configured to: detect whether the network transaction platform and the established store have been signed.
  • the electronic agreement if no electronic agreement is signed, generates an electronic agreement to be signed, sends an electronic agreement signing request carrying the electronic agreement to be signed to the client of the seller to which the store belongs; and the seller sends a message indicating whether the seller accepts the Electronic agreement signing of the electronic agreement
  • the electronic agreement signing response indicates that the seller accepts the electronic agreement, a portion of the fee is deducted from the transaction funds of the network transaction as the service fee for the network transaction.
  • the first processor 61 when the signing of the electronic protocol is initiated by the network transaction platform, is specifically configured to: detect the network transaction platform in response to the order initiated by the buyer's client. Whether an electronic agreement has been signed with the established store, if no electronic agreement is signed, an electronic agreement to be signed is generated, and an electronic agreement signing request for the electronic agreement to be signed is sent to the client of the seller to which the store belongs; The electronic protocol signing response sent by the client indicating whether the seller accepts the electronic agreement; wherein, when the electronic agreement signing response indicates that the seller accepts the electronic agreement, a part of the fee is deducted from the transaction fund of the network transaction as the pen Service fees for online transactions.
  • the network transaction platform 60 further includes a memory 62 configured to: store protocol signing status information, and the protocol signing status information is divided into Signed status and unsigned status, used to indicate whether the online trading platform has signed an electronic agreement with the established store;
  • the first processor 61 is specifically configured to: detect whether an electronic agreement has been signed between the self and the established store according to the protocol signing status information.
  • the first processor 61 is further configured to: generate, in a page of the store displayed to the client of the buyer, a protocol signing status flag corresponding to the agreement signing status information that is visible to the buyer, The agreement sign status flag is used to indicate to the buyer whether the store has signed an electronic agreement with the network transaction platform.
  • the first processor 61 when the signing of the electronic protocol is initiated by the client of the seller, is specifically configured to: in response to the store setup request sent by the seller's client, The seller's client sends an electronic agreement signing request carrying the electronic agreement to be signed; receiving an electronic agreement signing response sent by the client's client indicating whether the seller accepts the electronic protocol; wherein, when the electronic agreement signing response indicates that the seller accepts the In the case of an electronic agreement, a portion of the fee is deducted from the transaction funds of the online transaction as the service fee for the online transaction.
  • the first processor 61 is further configured to: when the electronic agreement signing response indicates that the seller accepts the electronic protocol, set the agreement signing status information of the seller's store to the signed state. .
  • the first processor 61 is further configured to: when the electronic protocol signing response indicates that the seller rejects the electronic protocol, the network transaction platform terminates the signing of the electronic protocol.
  • the first processor 61 is further configured to: before generating the electronic protocol to be signed, acquire store information of the seller's store, and detect whether the store information is complete; wherein, when the store information When complete, generate an electronic agreement to be signed.
  • the first processor 61 is further configured to: when the store information is incomplete, send a form filling request carrying the information collection form to the seller's client; and send the seller's client to send the form
  • the form fills in the response, the form fills in the response carrying the information collection form that has been filled in the store information; the store information is extracted from the information collection form and stored on the online trading platform.
  • the first processor 61 is further configured to: when the store information is complete, detect, according to the store information, whether the store meets the signing requirement of the electronic agreement signed by the network transaction platform; wherein, when When the store meets the signing requirements of the electronic agreement signed by the online trading platform, the electronic agreement to be signed is generated.
  • the first processor 61 is further configured to terminate the signing of the electronic agreement when the store does not meet the subscription requirement for signing the electronic agreement predetermined by the network transaction platform.
  • At least one of the store information is a risk related item related to a store operation risk
  • the first processor 61 is specifically configured to: calculate a risk factor of the store according to a predetermined algorithm by using a risk related item, and compare the risk factor of the store with a preset risk threshold, if the risk factor of the store is greater than or equal to a preset risk threshold.
  • the store is determined not to meet the signing requirements of the electronic agreement signed by the online trading platform. If the risk factor of the store is less than the preset risk threshold, it is determined that the store meets the signing requirements of the electronic agreement signed by the online trading platform.
  • the memory 62 is further configured to: store preset risk coefficients and weights corresponding to various risk related items, where the risk factors are based on risk related items in the store information. The risk factor and weight are calculated.
  • the first processor 61 is specifically configured to: calculate a service fee of the network transaction according to a service charge ratio agreed with the seller, and the service charge ratio The service expense accounts for the proportion of the transaction funds; the service fee for the online transaction is deducted from the transaction funds of the online transaction.
  • the service charge ratio is a fixed ratio.
  • the service charge ratio is between 0% and 8%.
  • the service charge ratio is 3%.
  • the service charge ratio is calculated by the network transaction platform based on a service charge related item related to at least one of the store information and the calculated service charge ratio.
  • the service charge ratio is inversely proportional to the cumulative transaction volume of the store.
  • the first processor 61 is specifically configured to: load a service fee ratio on a preset protocol template, and generate an electronic protocol to be signed.
  • the first processor 61 is further configured to: when the signing of the electronic protocol is terminated, if the signing of the electronic protocol is initiated by the seller's client, generating an indication that the current electronic device is terminated
  • the signed store establishment response of the agreement sends the store setup response to the seller's client; if the electronic agreement is initiated by the online transaction platform, a transaction failure message indicating that the order cannot be terminated due to the failure to sign the electronic agreement is generated, and the transaction fails. The message is sent to the seller's client.
  • FIG. 8 is a structural block diagram of a service fee platform according to an embodiment of the present invention.
  • the service fee platform 80 includes a second processor 81;
  • the second processor 81 is configured to: save the service fee of each network transaction transferred by the network transaction platform, and constitute a pool of compensation funds; when the buyer initiates a claim for a network transaction, extract the network from the pool of compensation funds The compensation funds of the transaction are transferred to the buyer account; wherein the service fee of the network transaction is a part of the fee deducted from the transaction funds of the network transaction, and the remaining transaction funds after deducting the service fee are transferred to the seller account.
  • the service fee platform can provide rights protection channels and compensation to the buyer on the network transaction platform, and in the event of infringement, the buyer can also obtain compensation funds equal to or greater than the transaction funds from the service fee platform without Claiming to the seller helps to improve buyer’s rights and compensation Convenience and reliability.
  • the network transaction platform in the present invention is different from the consumer insurance and other means on other network transaction platforms, and the consumer insurance and the like require the buyer to additionally pay the insurance fee, so as to increase the buyer's shopping burden.
  • the present invention does not require the buyer to pay an additional insurance fee, but deducts a portion of the service fee from the transaction funds of each network transaction as a source of compensation funds.
  • the service fee platform in the present invention is also different from the self-operated mode of other network transaction platforms.
  • the network transaction platform needs to bear the liability for breach of contract, but in fact, the buyer has difficulty in defending against large-scale network transaction platforms and defending rights. Big.
  • the service fee platform of the invention can be managed by different operators and the network transaction platform, and serves as a fair third party to provide guarantee for the buyer, and the processing process is fair, open, effective and timely.
  • the present invention can maximize the automation of signing of an electronic protocol, and can perform different processing procedures for new stores and established stores.
  • the solution according to the present invention can spread the time of the contract, avoiding the network transaction platform processing a large amount of data in a short time, and reducing the transient of the transaction platform server. Load, and minimize the total data processing capacity of the online trading platform.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

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Abstract

一种安全的网络交易方法、网络交易平台和服务费用平台。该方法包括：当买方与卖方通过网络交易平台进行一笔网络交易时，网络交易平台从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用，将扣除服务费用后的剩余的交易资金转账给卖方账户，将该笔网络交易的服务费用转账给服务费用平台，在网络交易平台上进行的各笔网络交易的服务费用在服务费用平台上构成赔偿资金池（201）；当买方针对该笔网络交易发起索赔请求时，服务费用平台从赔偿资金池中提取该笔网络交易的赔偿资金并转账给买方账户（202）。可以在消费者与店铺之间发生交易纠纷时，降低消费者针对店铺的维权难度，更好地保证消费者的权益。

Description

一种安全的网络交易方法、网络交易平台以及服务费用平台
本申请要求于2015年4月2日提交中国专利局、申请号为201510154555.6、发明名称为“用于网络交易平台的网络交易系统和交易平台服务器”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及计算机应用领域，特别是涉及一种安全的网络交易方法、网络交易平台以及服务费用平台。
背景技术
目前已有各种网络交易平台，如淘宝、亚马逊、ebay等，并且越来越多的消费者热衷于通过网络交易平台进行购物。相比于实体店铺，网络交易平台上的店铺通常能提供更有竞争力的商品价格以及更便捷的购物体验。但是，在网络交易平台上购物显然会更容易面临诸如假货或欺诈等购物风险。
在一些网络交易平台上，各个店铺才是销售主体(或者称为卖方)，网络交易平台仅为各个店铺提供了一个统一的与消费者(或者称为买方)进行交易的平台，并管理该平台的正常运行。当消费者与网络交易平台上的店铺发生交易纠纷时，在实践中消费者通常只能直接针对店铺发起维权行动。
但是，众所周知的是，网络交易平台中的大多数店铺是小规模店铺，其具有存活时间短、赔偿能力小等特点。因此，总体上，消费者针对店铺进行维权较难。并且，虽然网络交易平台的运营商通常是资金雄厚的大型企业并比较稳定，但是由于网络交易平台并非交易中的卖方，因此，消费者通常无法直接针对网络交易平台发起维权行动。
发明内容
为了解决上述技术问题，本发明实施例提供了一种安全的网络交易方法、网络交易平台以及服务费用平台，以在消费者与店铺之间发生交易纠纷时，降低消费者针对店铺的维权难度，更好地保证消费者的权益。
根据本发明实施例的第一方面，公开了一种安全的网络交易方法，包括：
当买方与卖方通过网络交易平台进行一笔网络交易时，网络交易平台从该 笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用，将扣除服务费用后的剩余的交易资金转账给卖方账户，将该笔网络交易的服务费用转账给服务费用平台；在网络交易平台上进行的各笔网络交易的服务费用在服务费用平台上构成赔偿资金池；
当买方针对该笔网络交易发起索赔请求时，服务费用平台从赔偿资金池中提取该笔网络交易的赔偿资金并转账给买方账户。
根据本发明实施例的第二方面，公开了一种网络交易平台，所述网络交易平台包括第一处理器；
所述第一处理器配置用于：当买方与卖方通过网络交易平台进行一笔网络交易时，从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用，将扣除服务费用后的剩余的交易资金转账给卖方账户，将该笔网络交易的服务费用转账给服务费用平台，在网络交易平台上进行的各笔网络交易的服务费用在服务费用平台上构成赔偿资金池；其中，当买方针对该笔网络交易发起索赔请求时，所述赔偿资金池中的一部分资金作为该笔网络交易的赔偿资金从服务费用平台被转账给买方账户。
根据本发明实施例的第三方面，公开了一种服务费用平台，所述服务费用平台包括第二处理器；
所述第二处理器配置用于：保存网络交易平台转账的各笔网络交易的服务费用，并构成赔偿资金池；当买方针对一笔网络交易发起索赔请求时，从赔偿资金池中提取该笔网络交易的赔偿资金并转账给买方账户；其中，所述网络交易的服务费用是从网络交易的交易资金中扣除出来的一部分费用，扣除服务费用后的剩余的交易资金被转账给卖方账户。
在本发明技术方案中，服务费用平台能够向网络交易平台上的买方提供维权渠道和赔偿，一旦发生侵权行为，买方也可以从服务费用平台上得到等于或大于交易资金的赔偿资金，而无需再向卖家索赔，有助于提高买方维权和赔偿的便捷性和可靠性。并且，本发明中的网络交易平台区别于其它网络交易平台上的消费保险等手段，消费保险等手段需要买方额外支付保险费用，以至于增加了买方的购物负担。而本发明不需要买方额外支付保险费用，而是从各笔网络交易的交易资金中扣除出一部分服务费用作为赔偿资金的来源。另外，本发 明中的服务费用平台也区别于其它网络交易平台的自营模式，在自营模式下网络交易平台需要承担违约责任，但实际上买方对抗大型的网络交易平台并进行维权的困难较大。本发明的服务费用平台可以与网络交易平台由不同的运营商管理，并作为公正的第三方，为买方提供保障，处理过程公正、公开、有效、及时。
进一步，本发明可以最大程度地实现电子协议的签约的自动化，并且可以针对新设店铺和已设店铺进行不同的处理流程。此外，当网络交易平台与大量的店铺进行电子协议的签约时，按照本发明的方案可以将签约时间点分散开，避免网络交易平台在短时间内处理大量数据工作，降低了交易平台服务器的瞬时负荷，而且尽可能降低了网络交易平台的总的数据处理量。
附图说明
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1示意性地示出了本发明的实施方式可以在其中实施的示例性应用场景；
图2示出了根据本发明实施例的一种安全的网络交易方法的流程图；
图3示出了根据本发明实施例的一种安全的网络交易方法的信令图；
图4示出了根据本发明实施例的网络交易平台与卖方的客户端签订电子协议的信令图；
图5示出了根据本发明实施例的电子协议的签约方法的流程图；
图6示出了根据本发明实施例的一种网络交易平台的结构框图；
图7示出了根据本发明实施例的另一种网络交易平台的结构框图；
图8示出了根据本发明实施例的一种服务费用平台的结构框图。
具体实施方式
请参见图1，图1示意性地示出了本发明的实施方式可以在其中实施的示 例性应用场景。其中，该场景包括网络交易平台(或者称为网络交易服务器)101、服务费用平台(或者称为服务费用服务器)102、买方的客户端103和卖方的客户端104，它们之间经由网络105进行交互，以便完成网络交易。其中，网络交易平台101和服务费用平台102可以为相互独立的平台，并由不同的运营商管理。
方法实施例
结合图1所示的应用场景，请参阅图2，图2示出了根据本发明实施例的一种安全的网络交易方法的流程图，该方法例如可以包括以下步骤：
S201：当买方与卖方通过网络交易平台进行一笔网络交易时，网络交易平台预先从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用，将扣除服务费用后的剩余的交易资金转账给卖方账户，将该笔网络交易的服务费用转账给服务费用平台；在网络交易平台上进行的各笔网络交易的服务费用在服务费用平台上构成赔偿资金池；
S202：当买方针对该笔网络交易发起索赔请求时，服务费用平台从赔偿资金池中提取该笔网络交易的赔偿资金并转账给买方账户。
为了更全面地说明本发明安全的网络交易过程，请参阅图3，图3示出了根据本发明实施例的一种安全的网络交易方法的信令图。其中，该方法包括：
S301：买方通过买方的客户端浏览网络交易平台上的店铺并从店铺中选中产品；
S302：买方的客户端向网络交易平台发出针对买方选中产品的购买和支付指令；
S303：网络交易平台根据该购买和支付指令，为该笔网络交易生成交易代码，并冻结买方账户中预存的货款(即该笔网络交易的交易资金)；
S304：网络交易平台向买方的客户端和卖方的客户端发出支付成功的指令，以及向买方的客户端发出该笔网络交易的交易代码；
S305：卖方的客户端根据收到的支付成功的指令，向卖方指示支付成功，以便卖方安排发货；
S306：买方的客户端根据收到的支付成功的指令，向买方指示支付成功以及该笔网络交易的交易代码，以便买方根据交易代码随时在买方的客户端上跟踪发货进度，等待收货；
S307a：如果买方收到货物后确认收货，买方的客户端向网络交易平台发出确认收货的通知；
S308a：网络交易平台解冻该笔网络交易的交易资金，并从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用；
S309a：网络交易平台将该笔网络交易的服务费用转账至服务费用平台；
其中，服务费用平台收到来自网络交易平台的服务费用后统计并记录各个卖方的服务费用明细，服务费用平台定期向相应的卖方的客户端反馈上述服务费用明细。各笔网络交易的服务费用在服务费用平台构成赔偿资金池。
S310a：网络交易平台将扣除服务费用后的剩余的交易资金(或者称为净交易资金)转账至卖方账户，交易结束；
S307b：如果买方收到货物后因各种原因拒绝收货，买方的客户端向网络交易平台发出拒绝收货的通知，并且，买方安排退货；
S308b：在卖方收到买方的退货后，卖方的客户端向网络交易平台发出确认退货的指令；
S309b：网络交易平台解冻该笔网络交易的交易资金；
S310b：网络交易平台将该笔网络交易的交易资金退还给买方账户，交易结束；
S311：如果买方在使用了购买的产品后，发现产品存在质量问题，买方的客户端向网络交易平台发出索赔的请求；
S312：网络交易平台将该索赔的请求转发至服务费用平台进行处理；
当然，买方的客户端也可以直接向服务费用平台发出该索赔的请求。
S313：服务费用平台鉴定产品是否存在质量问题；
S314：服务费用平台在确认产品存在质量问题之后，从赔偿资金池中提取一定数额的赔偿资金并退还给买方账户。
当然，需要说明的是，赔偿资金的数额可以为该笔网络交易的交易资金的数额的N倍，N为正整数。
在本发明中，网络交易平台在从卖方的每笔交易资金中提取一定的服务费用之前，需要与卖方的客户端进行相关的电子协议的签订。所述电子协议中可以包括与所述服务费用相关的约定，例如，约定网络交易平台向卖方收取服务费用的条款和服务费用的比例等。
该电子协议的签订可以由网络交易平台启动，也可以由卖方的客户端启动。
其中，当该电子协议的签订是由网络交易平台启动时，网络交易平台与卖方的客户端之间进行电子协议的签订包括：网络交易平台检测自身与已设立的店铺之间是否已签订了电子协议，如果没有签订电子协议，生成待签订的电子协议，向店铺对应的卖方的客户端发送携带待签订的电子协议的电子协议签订请求；卖方的客户端向网络交易平台发送表示卖方是否接受该电子协议的电子协议签订响应；其中，当电子协议签订响应表示卖方接受该电子协议时，网络交易平台从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用。
网络交易平台检测自身与已设立的店铺之间是否已签订了电子协议为：网络交易平台响应于买方的客户端发起的订单，检测自身与订单对应的店铺之间是否签订了电子协议。
在网络交易平台上存储有协议签订状态信息，所述协议签订状态信息分为已签订状态和未签订状态，用于表示网络交易平台是否与已设立的店铺签订电子协议；所述网络交易平台检测自身与已设立的店铺之间是否已签订了电子协议为：网络交易平台根据协议签订状态信息检测自身与设立的店铺之间是否已签订了电子协议。
网络交易平台在向买方的客户端展示的店铺的页面中生成买方可见的与协议签订状态信息对应的协议签订状态标志，所述协议签订状态标志用于向买方展示店铺是否已与网络交易平台签订电子协议。
当该电子协议的签订是由卖方的客户端启动时，网络交易平台与卖方的客户端之间进行电子协议的签订包括：卖方的客户端根据卖方的输入生成店铺设立请求，向网络交易平台发送店铺设立请求；网络交易平台向卖方的客户端发 送携带待签订的电子协议的电子协议签订请求；卖方的客户端向网络交易平台发送表示卖方是否接受该电子协议的电子协议签订响应；其中，当电子协议签订响应表示卖方接受该电子协议时，网络交易平台从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用。
当电子协议签订响应表示卖方接受该电子协议时，网络交易平台将卖方的店铺的协议签订状态信息设置为已签订状态。
当电子协议签订响应表示卖方拒绝该电子协议时，网络交易平台终止电子协议的签订。
在网络交易平台生成待签订的电子协议之前，网络交易平台获取卖方的店铺的店铺信息，检测店铺信息是否完整；其中，当店铺信息完整时，网络交易平台生成待签订的电子协议。
当店铺信息不完整时，网络交易平台向卖方的客户端发送携带信息收集表单的表单填写请求；卖方的客户端向网络交易平台发送表单填写响应，表单填写响应携带已填入店铺信息的信息收集表单；网络交易平台从信息收集表单中提取出店铺信息并存储在网络交易平台上。
当店铺信息完整时，网络交易平台根据店铺信息检测店铺是否符合网络交易平台预定的签订电子协议的签约要求；其中，当店铺符合网络交易平台预定的签订电子协议的签约要求时，网络交易平台生成待签订的电子协议。
当店铺不符合网络交易平台预定的签订电子协议的签约要求时，网络交易平台终止电子协议的签订。
所述店铺信息中的至少一项为与店铺运营风险相关的风险相关项；网络交易平台根据店铺信息检测店铺是否符合网络交易平台预定的签订电子协议的签约要求包括：网络交易平台利用风险相关项根据预定算法计算店铺的风险因子，将店铺的风险因子与预设的风险阈值进行比较，如果店铺的风险因子大于或等于预设的风险阈值，确定店铺不符合网络交易平台预定的签订电子协议的签约要求，如果店铺的风险因子小于预设的风险阈值，确定店铺符合网络交易平台预定的签订电子协议的签约要求。
在网络交易平台上存储有与各种风险相关项对应的预设的风险系数和权重，所述风险因子是根据店铺信息中的风险相关项的风险系数和权重计算得到 的。
网络交易平台从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用包括：网络交易平台按照与卖方约定的服务费用比例计算该笔网络交易的服务费用，所述服务费用比例为服务费用占交易资金的比例；网络交易平台从该笔网络交易的交易资金中扣除该笔网络交易的服务费用。
其中，所述服务费用比例可以为固定比例。在本发明一种可选的实施方式中，所述服务费用比例为0％-8％。在本发明的一种优选实施方式中，所述服务费用比例为3％。
服务费用比例也可以为网络交易平台根据卖方的店铺信息中至少一个与计算服务费用比例相关的服务费用相关项计算获得的。在本发明的一个可选实施方式中，所述服务费用比例与店铺的累计交易量成反比。
当网络交易平台终止电子协议的签订时，如果电子协议的签订是由卖方的客户端启动的，网络交易平台生成表示终止当前的电子协议的签订的店铺设立响应，将店铺设立响应发送给卖方的客户端；如果电子协议的签订是由网络交易平台启动的，网络交易平台生成表示因不能签订电子协议而终止订单的交易失败消息，将交易失败消息发送给卖方的客户端。
请参阅图4，图4示出了根据本发明实施例的网络交易平台与卖方的客户端签订电子协议的信令图。在该图4所示的流程或者说电子协议签订方法中，可以由网络交易平台或卖方的客户端来启动该电子协议的签订，如图4是以卖方的客户端启动电子协议的签订为例示出了电子协议的签订流程。具体包括：
S401：当卖方要在网络交易平台中新设立一个店铺时，卖方的客户端根据卖方的输入生成一个店铺设立请求，并将该店铺设立请求发送给网络交易平台，以启动电子协议的签订。
除了可以由卖方的客户端启动电子协议的签订之外，也可以由网络交易平台主动检测其与已设立的店铺之间是否已签订了电子协议，并且在未签订电子协议的情况下，由网络交易平台生成协议签订指令，以启动针对该店铺的电子协议的签订。
可以理解，在其它实施方式中，对于网络交易平台中已设立的店铺，也可 以由卖方的客户端启动电子协议的签订。在一个实施方式中，可以由卖方的客户端根据卖方的输入生成一个协议签订请求发送给网络交易平台，以启动电子协议的签订，这类似于对于新设立店铺的协议签订的启动，因此在本发明中可以将该协议签订请求进行与店铺设立请求基本相同的处理。
在另一个实施方式中，可以由网络交易平台监测买方发起的订单，并响应于所监测到的订单，检测其与该订单对应的店铺之间是否已签订了电子协议。这样，针对某一店铺的电子协议的检测，是由与该店铺相关的订单来触发的。换句话说，只有在该店铺可能与买方发生交易的情况下，网络交易平台才检测是否已与该店铺签订了电子协议。对于网络交易平台上的一些已有店铺，虽然并未签订电子协议，但是只要没有交易发生，网络交易平台就可以不启动电子协议的签订。这样，一方面，分散了网络交易平台与大量店铺签约的时间点，避免网络交易平台在短时间内处理与协议签订相关的大量数据工作，降低了网络交易平台的瞬时负荷。另一方面，对于那些后续不再有交易产生的店铺，不会启动电子协议的签订，这样就避免了无用的数据处理，降低了网络交易平台的总数据处理量。
网络交易平台对订单的监测可以在该订单已经被买方提交之后但在发送给卖方之前进行。网络交易平台在监测到订单后可以暂停订单的处理流程并进行电子协议的检测。在网络交易平台检测到与该订单对应的店铺未签订该电子协议的情况下，可以由网络交易平台中止该订单的后续流程并生成电子协议的签订请求，以启动针对该订单对应的店铺的电子协议的签订。在网络交易平台检测到与该订单对应的店铺已签订该电子协议的情况下，则可以继续执行该订单的后续流程，例如，将订单发送给卖方，以使得买方和卖方之间的交易正常进行。
在一个实施方式中，网络交易平台可以为已设立的各个店铺存储对应的协议签订状态信息，用于表示网络交易平台是否与该店铺已签订了所希望的电子协议。该协议签订状态信息可以分为已签订状态和未签订状态。在下文将会看到，在网络交易平台与店铺之间完成该电子协议的签订后，则可以将该店铺对应的协议签订状态信息设置成已签订状态。这样，网络交易平台可以根据店铺的协议签订状态信息来检测电子协议是否已经被签订。
通常，在网络交易平台内会存储有各个店铺的店铺信息，该协议签订状态信息可以作为该店铺信息的一部分内容存储在网络交易平台内。
S402：网络交易平台获取店铺的店铺信息。
例如，所需的店铺信息可以包括：卖方名称、卖方地址、卖方注册资金、卖方收款账户、销售货品类别以及所需的其它证明文件等。该步骤可以在网络交易平台没有该店铺的店铺信息的情况下执行，或者在已有的店铺信息不完备的情况下执行。例如，对于由卖方待设立的店铺，网络交易平台中可能尚未存储该店铺的任何店铺信息。在另一些情况下，网络交易平台中存储有该店铺的部分店铺信息，但其对于实现后面将要描述的各步骤来说是不完备的。当然，在网络交易平台中已经存储有完备的店铺信息的情况下，特别是针对已设立的店铺，可以省略该店铺信息的获取步骤。
当网络交易平台获取店铺信息时，可以利用信息收集表单来收集店铺信息。该信息收集表单可以是网络交易平台根据其所需的店铺信息预先配置好的，通过这种方式可以确保店铺信息的完备性。
在一个实施方式中，如果由卖方的客户端启动协议签订，网络交易平台可以响应于来自卖方的客户端的店铺设立请求而向卖方的客户端返回表单填写请求，该表单填写请求携带有待填写的信息收集表单。如果由网络交易平台启动协议签订，网络交易平台可以响应于网络交易平台内生成的协议签订指令而向卖方的客户端发送表单填写请求。在另一实施方式中，可以在卖方的客户端中预置未填写的信息收集表单，当网络交易平台获取店铺信息时，网络交易平台可以仅向卖方的客户端发送表单填写请求，该表单填写请求中不携带待填写的信息收集表单。
卖方的客户端可以响应于该表单填写请求，将来自网络交易平台的或预置的信息收集表单在卖方的客户端中呈现给卖方供其填写。卖方借助卖方的客户端在该信息收集表单中填入店铺信息后，由卖方的客户端将已填入店铺信息的信息收集表单发送至网络交易平台。再由网络交易平台从信息收集表单中提取出店铺信息，并将所提取的店铺信息存储在网络交易平台中。如果在卖方的客户端中预置有信息收集表单，为了简便和提高效率，卖方可以在填入店铺信息后将信息收集表单与店铺设立请求一起发送给网络交易平台。
S403：网络交易平台根据店铺信息审核是否可以与店铺签约，如果是，进入步骤404，否则，终止签约流程。
在一个实施方式中，该审核可以包括检测店铺信息对于签订该电子协议是否完备。如果店铺信息不完备，除了终止签约流程之外，也可以重新返回前文所述的步骤S402，以重新获取店铺信息。例如，可以由网络交易平台向卖方的客户端发送表单填写请求，以便通过信息收集表单来收集店铺信息。
另外，该审核还可以包括检测该店铺是否符合由网络交易平台预定的签订该电子协议的签约要求。其中，在一个实施方式中，该签约要求包括对店铺的风险评估。例如，在网络交易平台所获取的店铺信息中，其中的一项或多项可以为与店铺运营风险相关的风险相关项，网络交易平台可以利用风险相关项根据预定算法计算店铺的风险因子，并将该店铺的风险因子与预定的风险阈值进行比较，如果该店铺的风险因子大于或等于该风险阈值，则该店铺不符合相应的签约要求，否则，该店铺符合相应的签约要求。
为了计算该店铺的风险因子，可以在网络交易平台中存储有与各种风险相关项对应的预设风险系数和权重。这样，根据店铺信息中的风险相关项的风险系数和权重则可以计算得到该店铺的风险因子。这里的风险相关项用于评价店铺的运营风险，例如可以包括：店铺注册资金、运营时间、销售货品类别、历史买方评价、索赔历史和金额等。通过这样的方式，可以实现店铺的自动审核，以降低人工工作量。当然，可以在自动审核的基础上附加辅助的人工审核。特别是，对于索赔历史和金额，可以由服务费用平台向网络交易平台提供。
当店铺不符合签约要求，且电子协议的签订是由卖方的客户端例如通过店铺设立请求启动时，可以由网络交易平台生成一店铺设立拒绝响应并将其发送至卖方的客户端，以向卖方表示终止当前进行的电子协议的签订，并且拒绝卖方设立店铺。当店铺不符合签约要求，且电子协议的签订是由网络交易平台例如通过协议签订指令启动时，由于此时买方向该店铺提交的订单被中止，因此，可以由网络交易平台生成一交易失败消息并将其发送至卖方的客户端，以向卖方表示因不能签订所述电子协议而终止订单。
在本发明中，对于已经签订电子协议的店铺，也可以对其进行后期的审核，该审核包括检测该店铺是否符合由网络交易平台预定的淘汰标准。例如，当店 铺由于索赔金额较高和历史不良记录较多时，该店铺会因为诚信问题，达到了被网络交易平台淘汰的标准，此时则可以启动从网络交易平台中撤销该店铺的撤销流程。在一个实施方式中，网络交易平台会向已签订电子协议的卖方的客户端发送终止当前合作关系的指令，并在网络交易平台上公布被淘汰的卖家信息，已达到在平台上制止和杜绝假冒伪劣产品的目的，并使消费者了解制造假冒伪劣产品的卖家信息。
S404：在店铺审核通过之后，网络交易平台根据预定策略确定向该店铺提取的服务费用的比例。
在一个实施方式中，该预定策略可以是将服务费用比例设定为固定比例，并且该固定比例是由网络交易平台设置的。示例性地，该固定比例可以在1％～5％之间选择，更具体地，该固定比例可以为3％。
在另一个实施方式中，该预定策略可以是根据店铺信息中的一个或多个服务费用相关项(即，与服务费用的比例的计算相关的项)，按照预定算法来计算得到服务费用的比例。例如，在网络交易平台中存储与各种服务费用相关项对应的服务费用系数和权重，根据服务费用系数和权重计算得到服务费用的比例。需要强调的是，服务费用相关项用于确定服务费用的比例，例如可以包括：店铺注册资金、销售货品类别以及前文计算得到的风险因子等。通过这样的方式，可以自动计算服务费用的比例的，以降低人工工作量。当然，可以在自动计算的基础上附加辅助的人工审核。
S405：在确定服务费用的比例后，网络交易平台向卖方的客户端发送携带待签订的电子协议的电子协议签订请求。
在一个实施方式中，可以由网络交易平台通过在预设的协议模板上加载该服务费用的比例以及诸如卖方名称、卖方地址等其它信息的方式生成待签订的电子协议。该预设的协议模板中可以具有用于约定网络交易平台向店铺收取服务费用的相应条款。
S406：卖方的客户端向网络交易平台发送表示卖方是否接受电子协议的电子协议签订响应。
其中，卖方借助卖方的客户端阅读了来自网络交易平台的电子协议后，可以在卖方的客户端处输入其是否接受该电子协议的指令，卖方的客户端根据该 指令产生电子协议签订响应，并将该电子协议签订响应返回网络交易平台。
S407：网络交易平台根据卖方是否接受电子协议向卖方的客户端发送店铺设立响应。
当卖方拒绝接受该电子协议时，网络交易平台终止签约。具体地，当卖方拒绝接受电子协议，且电子协议的签订是由卖方的客户端例如通过店铺设立请求启动时，网络交易平台生成一店铺设立拒绝响应并将其发送至卖方的客户端，以向卖方表示终止当前进行的电子协议的签订，并且拒绝卖方设立店铺。反之，当卖方接受电子协议，且电子协议的签订是由卖方的客户端例如通过店铺设立请求启动时，网络交易平台生成一店铺设立允许响应并将其发送至卖方的客户端，以向卖方表示继续当前进行的电子协议的签订，并且允许卖方设立店铺。
当卖方拒绝接受电子协议，且电子协议的签订是由网络交易平台例如通过协议签订指令启动时，由于此时买方向该店铺提交的订单被中止，因此，网络交易平台生成一交易失败消息并将其发送至卖方的客户端，以向卖方表示因不能签订所述电子协议而终止订单。反之，当卖方接受电子协议，且电子协议的签订是由网络交易平台例如通过协议签订指令启动时，网络交易平台生成一交易成功消息并将其发送至卖方的客户端，以向卖方表示因能够签订所述电子协议而继续订单。
当卖方接受电子协议，且电子协议的签订是由卖方的客户端例如通过店铺设立请求启动时，网络交易平台还可以向卖方的客户端发送店铺所对应的例如店铺注册号和店铺网络地址等信息，表示网络交易平台已与卖方形成合作关系，卖方可以在平台上展示、销售相关产品。
如前所述，可以用协议签订状态信息来表示网络交易平台与店铺是否已签订电子协议。这样，在步骤406之后，可以由网络交易平台将相应店铺的协议签订状态信息设置为已签订状态或者为未签订状态。
此外，网络交易平台还可以在店铺展示页面中生成买方可见的与协议签订状态信息对应的协议签订状态标志。以便于买方通过店铺展示页面上的协议签订状态标志来识别该店铺是否为与网络交易平台签订电子协议的店铺，以进一步确定该店铺的信用程度。
图5所示的电子协议的签约方法是更具体的一种实施方式。其中，图5画出了的一条竖向的虚线，在该虚线的左侧表示网络交易平台执行的动作，虚线的右侧表示卖方的客户端执行的动作。
如图5所示，该流程由网络交易平台在S521-S525处启动。在S521-S525中，网络交易平台主动检测其与已设立的店铺之间是否已签订了所希望的电子协议，并且在未签订该电子协议的时，网络交易平台生成协议签订指令，以启动针对该店铺的电子协议的签订。该方法具体包括：
S521：网络交易平台监测买方发起的订单。
如前文所述，网络交易平台对订单的监测可以在该订单已经被买方提交之后但在发送给卖方之前进行。
S522：响应于所监测到的订单，网络交易平台根据订单的信息确定该订单对应的店铺。
S523：网络交易平台从存储的店铺信息中读取该订单对应的店铺的协议签订状态信息。
S524：网络交易平台根据协议签订状态信息判断是否与该订单对应的店铺已签订电子协议，如果是，进入S537，否则，进入S525。
S525：网络交易平台中止该订单的后续流程并生成协议签订指令，以启动针对该订单对应的店铺的电子协议的签订。
S526：网络交易平台从存储的店铺信息中读取该订单对应店铺的店铺信息，以便进行后续的检测过程。
S527：网络交易平台检测店铺信息对于签订该电子协议是否完备，如果是，进入S528，否则，进入S533。
S528：网络交易平台检测该订单对应的店铺是否符合由网络交易平台预定的签订该电子协议的签约要求，如果是，进入S529，否则，进入S536。
S529：网络交易平台根据预定策略确定向该订单对应的店铺收取的服务费用的比例。
S530：网络交易平台通过在预设协议模板上加载该服务费用的比例生成所需的电子协议，并将其发送给卖方的客户端。
该预设协议模板中可以具有用于约定网络交易平台向所述店铺提取服务费用的相关条款。
S531：卖方的客户端判断是否接受电子协议，如果是，进入S532，否则，进入S536。
S532:网络交易平台设置协议签订状态，进入S537。
S533：网络交易平台生成携带信息收集表单的表单填写请求，向卖方的客户端发送表单填写请求。
S534：卖方的客户端将信息收集表单展示给卖方以便卖方填写，并向网络交易平台返回已填入店铺信息的信息收集表单。
S535：网络交易平台从信息收集表单中提取出店铺信息并进行存储，结束流程。
S536：网络交易平台终止签约流程，结束流程。
S537：网络交易平台执行该订单的后续流程。
例如，在后续流程中，网络交易平台将订单发送给卖方，以使得买方和卖方之间的交易正常进行。
上述流程也可以由卖方的客户端在S511处启动，即，在S511中，卖方要在网络交易平台中新设立一个店铺，卖方的客户端根据卖方的输入生成一个店铺设立请求，并将其发送给网络交易平台，以启动电子协议的签订，进入S526。
在本发明技术方案中，服务费用平台能够向网络交易平台上的买方提供维权渠道和赔偿，一旦发生侵权行为，买方也可以从服务费用平台上得到等于或大于交易资金的赔偿资金，而无需再向卖家索赔，有助于提高买方维权和赔偿的便捷性和可靠性。并且，本发明中的网络交易平台区别于其它网络交易平台上的消费保险等手段，消费保险等手段需要买方额外支付保险费用，以至于增加了买方的购物负担。而本发明不需要买方额外支付保险费用，而是从各笔网络交易的交易资金中扣除出一部分服务费用作为赔偿资金的来源。另外，本发明中的服务费用平台也区别于其它网络交易平台的自营模式，在自营模式下网络交易平台需要承担违约责任，但实际上买方对抗大型的网络交易平台并进行维权的困难较大。本发明的服务费用平台可以与网络交易平台由不同的运营商管理，并作为公正的第三方，为买方提供保障，处理过程公正、公开、有效、 及时。
进一步，本发明可以最大程度地实现电子协议的签约的自动化，并且可以针对新设店铺和已设店铺进行不同的处理流程。此外，当网络交易平台与大量的店铺进行电子协议的签约时，按照本发明的方案可以将签约时间点分散开，避免网络交易平台在短时间内处理大量数据工作，降低了交易平台服务器的瞬时负荷，而且尽可能降低了网络交易平台的总的数据处理量。
装置实施例
本发明实施例除了提供安全的网络交易方法之外，还提供了一种网络交易平台。请参阅图6，图6示出了根据本发明实施例的一种网络交易平台的结构框图。该网络交易平台60包括一第一处理器61；
该第一处理器61配置用于：当买方与卖方通过网络交易平台进行一笔网络交易时，从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用，将扣除服务费用后的剩余的交易资金转账给卖方账户，将该笔网络交易的服务费用转账给服务费用平台，在网络交易平台上进行的各笔网络交易的服务费用在服务费用平台上构成赔偿资金池；其中，当买方针对该笔网络交易发起索赔请求时，所述赔偿资金池中的一部分资金作为该笔网络交易的赔偿资金从服务费用平台被转账给买方账户。
在本发明的一个可选实施方式中，第一处理器61还配置用于：在从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用之前，与卖方的客户端之间进行电子协议的签订；其中，所述电子协议中包括与服务费用相关的约定。
在本发明的另一个可选实施方式中，所述电子协议的签订由网络交易平台或卖方的客户端启动。
在本发明的另一个可选实施方式中，当所述电子协议的签订由网络交易平台启动时，第一处理器61具体配置用于：检测网络交易平台与已设立的店铺之间是否已签订了电子协议，如果没有签订电子协议，生成待签订的电子协议，向店铺所属的卖方的客户端发送携带待签订的电子协议的电子协议签订请求；接收卖方的客户端发送的表示卖方是否接受所述电子协议的电子协议签订响 应；其中，当电子协议签订响应表示卖方接受所述电子协议时，从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用。
在本发明的另一个可选实施方式中，当所述电子协议的签订由网络交易平台启动时，第一处理器61具体配置用于：响应于买方的客户端发起的订单，检测网络交易平台与已设立的店铺之间是否已签订了电子协议，如果没有签订电子协议，生成待签订的电子协议，向店铺所属的卖方的客户端发送携带待签订的电子协议的电子协议签订请求；接收卖方的客户端发送的表示卖方是否接受所述电子协议的电子协议签订响应；其中，当电子协议签订响应表示卖方接受所述电子协议时，从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用。
在本发明的另一个可选实施方式中，如图7所示，网络交易平台60还包括一存储器62，存储器62配置用于：存储有协议签订状态信息，所述协议签订状态信息分为已签订状态和未签订状态，用于表示网络交易平台是否与已设立的店铺签订电子协议；
第一处理器61具体配置用于：根据协议签订状态信息检测自身与设立的店铺之间是否已签订了电子协议。
在本发明的另一个可选实施方式中，第一处理器61还配置用于：在向买方的客户端展示的店铺的页面中生成买方可见的与协议签订状态信息对应的协议签订状态标志，所述协议签订状态标志用于向买方展示店铺是否已与网络交易平台签订电子协议。
在本发明的另一个可选实施方式中，当所述电子协议的签订由卖方的客户端启动时，第一处理器61具体配置用于：响应于卖方的客户端发送的店铺设立请求，向卖方的客户端发送携带待签订的电子协议的电子协议签订请求；接收卖方的客户端发送的表示卖方是否接受所述电子协议的电子协议签订响应；其中，当电子协议签订响应表示卖方接受所述电子协议时，从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用。
在本发明的另一个可选实施方式中，第一处理器61还配置用于：当电子协议签订响应表示卖方接受所述电子协议时，将卖方的店铺的协议签订状态信息设置为已签订状态。
在本发明的另一个可选实施方式中，第一处理器61还配置用于：当电子协议签订响应表示卖方拒绝所述电子协议时，网络交易平台终止电子协议的签订。
在本发明的另一个可选实施方式中，第一处理器61还配置用于：在生成待签订的电子协议之前，获取卖方的店铺的店铺信息，检测店铺信息是否完整；其中，当店铺信息完整时，生成待签订的电子协议。
在本发明的另一个可选实施方式中，第一处理器61还配置用于：当店铺信息不完整时，向卖方的客户端发送携带信息收集表单的表单填写请求；接收卖方的客户端发送的表单填写响应，表单填写响应携带已填入店铺信息的信息收集表单；从信息收集表单中提取出店铺信息并存储在网络交易平台上。
在本发明的另一个可选实施方式中，第一处理器61还配置用于：当店铺信息完整时，根据店铺信息检测店铺是否符合网络交易平台预定的签订电子协议的签约要求；其中，当店铺符合网络交易平台预定的签订电子协议的签约要求时，生成待签订的电子协议。
在本发明的另一个可选实施方式中，第一处理器61还配置用于：当店铺不符合网络交易平台预定的签订电子协议的签约要求时，终止电子协议的签订。
在本发明的另一个可选实施方式中，所述店铺信息中的至少一项为与店铺运营风险相关的风险相关项；
第一处理器61具体配置用于：利用风险相关项根据预定算法计算店铺的风险因子，将店铺的风险因子与预设的风险阈值进行比较，如果店铺的风险因子大于或等于预设的风险阈值，确定店铺不符合网络交易平台预定的签订电子协议的签约要求，如果店铺的风险因子小于预设的风险阈值，确定店铺符合网络交易平台预定的签订电子协议的签约要求。
在本发明的另一个可选实施方式中，存储器62还配置用于：存储有与各种风险相关项对应的预设的风险系数和权重，所述风险因子是根据店铺信息中的风险相关项的风险系数和权重计算得到的。
在本发明的另一个可选实施方式中，第一处理器61具体配置用于：按照与卖方约定的服务费用比例计算该笔网络交易的服务费用，所述服务费用比例 为服务费用占交易资金的比例；从该笔网络交易的交易资金中扣除该笔网络交易的服务费用。
在本发明的另一个可选实施方式中，所述服务费用比例为固定比例。
在本发明的另一个可选实施方式中，所述服务费用比例为0％-8％。
在本发明的另一个可选实施方式中，所述服务费用比例为3％。
在本发明的另一个可选实施方式中，所述服务费用比例为网络交易平台根据店铺信息中至少一个与计算服务费用比例相关的服务费用相关项计算获得的。
在本发明的另一个可选实施方式中，所述服务费用比例与店铺的累计交易量成反比。
在本发明的另一个可选实施方式中，第一处理器61具体配置用于：在预设的协议模板上加载服务费用比例，生成待签订的电子协议。
在本发明的另一个可选实施方式中，第一处理器61还配置用于：当终止电子协议的签订时，如果电子协议的签订是由卖方的客户端启动的，生成表示终止当前的电子协议的签订的店铺设立响应，将店铺设立响应发送给卖方的客户端；如果电子协议的签订是由网络交易平台启动的，生成表示因不能签订电子协议而终止订单的交易失败消息，将交易失败消息发送给卖方的客户端。
本发明实施例除了提供安全的网络交易方法之外，还提供了一种网络交易平台。请参阅图8，图8示出了根据本发明实施例的一种服务费用平台的结构框图。该服务费用平台80包括一第二处理器81；
第二处理器81配置用于：保存网络交易平台转账的各笔网络交易的服务费用，并构成赔偿资金池；当买方针对一笔网络交易发起索赔请求时，从赔偿资金池中提取该笔网络交易的赔偿资金并转账给买方账户；其中，所述网络交易的服务费用是从网络交易的交易资金中扣除出来的一部分费用，扣除服务费用后的剩余的交易资金被转账给卖方账户。
在本发明技术方案中，服务费用平台能够向网络交易平台上的买方提供维权渠道和赔偿，一旦发生侵权行为，买方也可以从服务费用平台上得到等于或大于交易资金的赔偿资金，而无需再向卖家索赔，有助于提高买方维权和赔偿 的便捷性和可靠性。并且，本发明中的网络交易平台区别于其它网络交易平台上的消费保险等手段，消费保险等手段需要买方额外支付保险费用，以至于增加了买方的购物负担。而本发明不需要买方额外支付保险费用，而是从各笔网络交易的交易资金中扣除出一部分服务费用作为赔偿资金的来源。另外，本发明中的服务费用平台也区别于其它网络交易平台的自营模式，在自营模式下网络交易平台需要承担违约责任，但实际上买方对抗大型的网络交易平台并进行维权的困难较大。本发明的服务费用平台可以与网络交易平台由不同的运营商管理，并作为公正的第三方，为买方提供保障，处理过程公正、公开、有效、及时。
进一步，本发明可以最大程度地实现电子协议的签约的自动化，并且可以针对新设店铺和已设店铺进行不同的处理流程。此外，当网络交易平台与大量的店铺进行电子协议的签约时，按照本发明的方案可以将签约时间点分散开，避免网络交易平台在短时间内处理大量数据工作，降低了交易平台服务器的瞬时负荷，而且尽可能降低了网络交易平台的总的数据处理量。
需要说明的是，本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，所述的程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，所述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)或随机存储记忆体(Random Access Memory，RAM)等。
以上对本发明所提供的一种安全的网络交易方法、网络交易平台和服务费用平台进行了详细介绍，本文中应用了具体实施例对本发明的原理及实施方式进行了阐述，以上实施例的说明只是用于帮助理解本发明的方法及其核心思想；同时，对于本领域的一般技术人员，依据本发明的思想，在具体实施方式及应用范围上均会有改变之处，综上所述，本说明书内容不应理解为对本发明的限制。

Claims (12)

  1. 一种安全的网络交易方法，其特征在于，包括：
    当买方与卖方通过网络交易平台进行一笔网络交易时，网络交易平台从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用，将扣除服务费用后的剩余的交易资金转账给卖方账户，将该笔网络交易的服务费用转账给服务费用平台；在网络交易平台上进行的各笔网络交易的服务费用在服务费用平台上构成赔偿资金池；
    当买方针对该笔网络交易发起索赔请求时，服务费用平台从赔偿资金池中提取该笔网络交易的赔偿资金并转账给买方账户。
  2. 根据权利要求1所述的方法，其特征在于，该笔网络交易的赔偿资金为该笔网络交易的交易资金的N倍，N为正整数。
  3. 根据权利要求1所述的方法，其特征在于，所述网络交易平台从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用包括：
    网络交易平台按照与卖方约定的服务费用比例计算该笔网络交易的服务费用，所述服务费用比例为服务费用占交易资金的比例；
    网络交易平台从该笔网络交易的交易资金中扣除该笔网络交易的服务费用。
  4. 根据权利要求3所述的方法，其特征在于，所述服务费用比例为固定比例。
  5. 根据权利要求4所述的方法，其特征在于，所述服务费用比例为0％-8％。
  6. 根据权利要求5所述的方法，其特征在于，所述服务费用比例为3％。
  7. 根据权利要求3所述的方法，其特征在于，所述服务费用比例为网络交易平台根据卖方的店铺信息中的至少一个与计算服务费用比例相关的服务费用相关项计算获得的。
  8. 根据权利要求7所述的方法，其特征在于，所述服务费用比例与店铺信息中的累计交易量成反比。
  9. 根据权利要求1至8中任意一项所述的方法，其特征在于，所述网络交易平台和所述服务费用平台为相互独立且由不同的运营商管理的平台。
  10. 根据权利要求1至8中任意一项所述的方法，其特征在于，所述方法 还包括：
    在网络交易平台从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用之前，网络交易平台与卖方的客户端之间进行电子协议的签订；其中，所述电子协议中包括与服务费用相关的约定。
  11. 一种网络交易平台，其特征在于，所述网络交易平台包括第一处理器；
    所述第一处理器配置用于：当买方与卖方通过网络交易平台进行一笔网络交易时，从该笔网络交易的交易资金中扣除一部分费用作为该笔网络交易的服务费用，将扣除服务费用后的剩余的交易资金转账给卖方账户，将该笔网络交易的服务费用转账给服务费用平台，在网络交易平台上进行的各笔网络交易的服务费用在服务费用平台上构成赔偿资金池；其中，当买方针对该笔网络交易发起索赔请求时，所述赔偿资金池中的一部分资金作为该笔网络交易的赔偿资金被转账到买方账户。
  12. 一种服务费用平台，其特征在于，所述服务费用平台包括第二处理器；
    所述第二处理器配置用于：保存网络交易平台转账的各笔网络交易的服务费用，并构成赔偿资金池；当买方针对一笔网络交易发起索赔请求时，从赔偿资金池中提取该笔网络交易的赔偿资金并转账给买方账户；其中，所述网络交易的服务费用是从网络交易的交易资金中扣除出来的一部分费用，扣除服务费用后的剩余的交易资金被转账到卖方账户。
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