WO2017181436A1 - 一种运用交易币生成的物物交易平台 - Google Patents

一种运用交易币生成的物物交易平台 Download PDF

Info

Publication number
WO2017181436A1
WO2017181436A1 PCT/CN2016/080334 CN2016080334W WO2017181436A1 WO 2017181436 A1 WO2017181436 A1 WO 2017181436A1 CN 2016080334 W CN2016080334 W CN 2016080334W WO 2017181436 A1 WO2017181436 A1 WO 2017181436A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
currency
user
platform
amount
Prior art date
Application number
PCT/CN2016/080334
Other languages
English (en)
French (fr)
Inventor
李俊
李晶宇
Original Assignee
山西特信环宇信息技术有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 山西特信环宇信息技术有限公司 filed Critical 山西特信环宇信息技术有限公司
Priority to EP16899023.2A priority Critical patent/EP3413258A4/en
Priority to US16/079,103 priority patent/US20200219189A1/en
Priority to JP2018568474A priority patent/JP6663051B2/ja
Priority to RU2018132789A priority patent/RU2018132789A/ru
Publication of WO2017181436A1 publication Critical patent/WO2017181436A1/zh

Links

Classifications

    • 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/22—Indexing; Data structures therefor; Storage structures
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction
    • 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
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0623—Item investigation
    • 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0641—Shopping interfaces
    • G06Q30/0643—Graphical representation of items or shoppers
    • 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/08—Auctions
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • 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 a physical object trading platform generated by using a transaction currency, belonging to the fields of finance and electronic commerce.
  • 1.1 generated by a computer through a preset program, such as: bitcoin;
  • the currency is exchanged (that is, the legal currency of a country), such as: Alipay, WeChat change, etc.;
  • Encryption technology encrypts the amount of currency, which facilitates settlement of transactions on the network, such as the balance in online banking or banking APP;
  • the game currency generated by the online game is usually used to purchase virtual items in the game in the game, and the game currency can also be purchased in the currency.
  • a computer generates a digital coin, and if it cannot be linked to a currency as a carrier, its value is limited to a small number of people.
  • the limitation of the game currency is that it can only be used for transactions in the game, and is not universal and extensive.
  • the physical trading platform such as: Yiwu.com;
  • the present invention provides a physical object trading platform generated by using a transaction currency, which is exchanged for shopping, and real-time online transactions are not performed by using currency.
  • the transactions between the buyer and the seller are denominated in the transaction currency, and are settled in the transaction currency when purchasing the required goods and services in the physical transaction platform.
  • the transaction currency is a transaction metric currency, a non-tradable currency, and cannot be directly exchanged with the currency Only in the course of the transaction, when the transaction currency is insufficient, the difference between the transaction currency and the transaction currency is supplemented; when the currency is settled periodically, the physical transaction platform collects the currency and returns the currency according to the currency exchange ratio.
  • the national currencies of the present invention are independently settled in various countries, overcoming exchange rate risks and foreign exchange management risks .
  • the invention provides a material transaction platform generated by using a transaction currency, comprising a plurality of client and platform servers, wherein:
  • the plurality of clients are all connected to the platform server;
  • the platform server includes a database, a transaction display module, and a transaction settlement module;
  • the database stores identity information and transaction information of all users
  • the identity information includes an identity code, a name, an address, and a communication mode of the registered user;
  • the transaction information includes physical items and pictures, specifications, models, parameters, units of measure, quantity, price, mortgage objects and pictures, specifications, models, parameters, units of measurement, quantity, price, service items, units of measurement, quantity , price, creditor’s name and amount;
  • the transaction display module is configured to acquire user identity information and transaction object information in the database, and send the information to the client, and the client displays the received information in a preset manner;
  • the transaction settlement module stores a user transaction currency account, a platform transfer transaction currency account, and a platform service fee transaction currency account;
  • the user transaction currency account includes a user identification code, a transaction currency balance, Credit limit, credit balance, mortgage amount and mortgage balance;
  • the platform transfer transaction currency account includes the transaction currency balance owned by the platform; and
  • the platform service fee transaction currency account includes the platform service fee transaction currency balance.
  • the object transaction platform further comprises an online banking server:
  • the online banking server is connected to the platform server;
  • the online banking server stores a user currency account, a platform transfer currency account, and a platform service fee currency account; the user currency account stores the user's identification code; and the platform transit currency account stores the platform.
  • the identification code, the currency balance, and the platform service fee currency account store the identification code of the service fee.
  • the transaction settlement module transaction currency generation rule is:
  • the user generates a transaction currency mortgage balance in the transaction settlement module by collateralizing the tradable asset amount
  • the user generates a transaction currency credit balance in the transaction settlement module by a credit line;
  • the user generates a transaction currency balance in the transaction settlement module by using a credit amount
  • the user supplements the transaction currency difference by the currency exchange rate, and generates a transaction currency balance in the transaction settlement module.
  • the transaction currency trading rules of the transaction settlement module are:
  • the transaction currency is a transaction metric currency and a non-circulating currency.
  • the transaction currency refers to the price ratio of the country to other countries, and the exchange settlement ratio of the transaction currency and the currency is generated in the transaction settlement module, and the platform sets the transaction currency and the transaction currency reference.
  • the price-to-price ratio of the country is 1:1; the transaction currency and the currency of circulation cannot be directly exchanged. Only when the transaction currency is insufficient, the difference between the transaction currency and the currency of the currency can be replenished in the transaction process; The platform collects the currency in circulation and returns it to the user.
  • the transaction settlement rule of the transaction settlement module is:
  • the transaction currency balance of the user transaction currency account is greater than or equal to the fifth amount
  • the transaction currency balance is discarded by the fifth amount; otherwise, the credit balance and the mortgage are If the credit balance and the total balance of the mortgage are still insufficient to pay, the balance is supplemented by the currency exchange ratio.
  • the transaction settlement module of the transaction settlement module is:
  • the sixth amount of transaction currency when the credit balance and the total mortgage balance in the user transaction currency account are equal to the credit limit of the account and the total amount of the mortgage amount, the sixth amount will be The balance of the transaction currency of the user platform is entered; otherwise, when the sum of the credit balance, the mortgage balance and the sixth amount is greater than the credit limit of the account and the total amount of the mortgage, the credit balance and the balance of the credit balance and the total amount of the mortgage amount are preferentially supplemented. And the portion exceeding the credit limit and the total amount of the mortgage amount is allocated to the balance of the transaction currency of the sixth user platform.
  • the transaction settlement module performs the following steps to complete the transaction of the entity of the buyer and the seller:
  • Step one obtaining the price of the physical item and recording it as the seventh transaction price; and calculating the seventh transaction service fee by using the seventh transaction price;
  • Step 2 From the buyer's user transaction currency account, according to the rule of the drafting, the transaction currency whose amount is the sum of the seventh transaction price and the seventh transaction service fee is drawn, and is transferred to the platform transit transaction currency account as a transaction margin;
  • Step 3 When the transaction is completed, the transaction currency of the difference between the seventh transaction price and the seventh transaction service fee is removed from the platform transfer transaction currency account according to the drafting rule, according to the division The rules are transferred to the seller user's transaction currency account, and the remaining transaction margin is transferred to the platform service fee account.
  • the online banking server when the online banking server determines that the amount of the currency in the user's currency account corresponding to the eighth identification code is the eighth amount of the currency to the platform transfer currency account, the online banking server will The eight-digit identification code and the eighth amount are sent to the transaction settlement module; the transaction settlement module divides the amount from the user transaction currency account corresponding to the user identification code into the quotient of the eighth amount and the exchange ratio according to the entry rule. The amount of the transaction currency.
  • the transaction settlement module performs the following steps to complete the transaction of the mortgage object of the buyer and the seller:
  • Step 1 obtain the value of the ninth user's mortgage object, and record it as the ninth value
  • Step 2 The transaction currency of the ninth value is deducted from the platform transfer transaction currency account, and the ninth value of the transaction currency is converted into the transaction currency account of the ninth user as the mortgage balance;
  • Step 3 The collateral establishes a price reduction cycle, and the price per cycle is forced to reduce the price according to a certain discount ratio; when the tenth user purchases the mortgaged object at the tenth value, if the tenth value is greater than or equal to the mortgage amount, the ninth user mortgages The amount becomes zero, and the difference between the tenth value and the corresponding tenth service fee is credited to the tenth user's transaction currency account; if the tenth value is less than the mortgage amount, the ninth user shall press the rule The amount of the mortgage amount is subtracted from the ninth user account minus the difference between the tenth value and the tenth value service fee, and then transferred to the platform transfer transaction currency account according to the entry rule; if the target collateral is still not traded after one year, Then perform step four;
  • the amount of the transaction currency is deducted from the user transaction currency account of the ninth user, and the transaction currency of the mortgage amount is allocated to the platform transaction currency account; the collateral cannot be mortgaged again.
  • the transaction settlement module performs the following steps to complete the transaction of the buyer and the seller service items:
  • Step 1 Obtain the price of the service item and record it as the eleventh transaction price; and calculate the eleventh transaction service fee by using the eleventh transaction price;
  • Step 2 at the completion of the transaction, the transaction currency of the sum of the eleventh transaction price and the eleventh transaction service fee is taken as the transaction margin from the buyer's user transaction currency account according to the rule of walking;
  • Step 3 the transaction currency whose amount is the difference between the eleventh transaction price and the eleventh transaction service fee is allocated to the seller's transaction currency account according to the entry rule; when the transaction is completed, The remaining trading margin is transferred to the platform service fee account according to the entry rules.
  • the transaction settlement module performs the following steps to complete the transaction of the creditor's debt between the users:
  • Step 1 Obtain the price of the creditor's right and the debt, and record it as the twelfth transaction price; and calculate the twelfth transaction service fee by using the twelfth transaction price;
  • Step 2 when the transaction is completed, the transaction currency whose amount is the sum of the twelfth transaction price and the twelfth transaction service fee is taken as the transaction margin from the user transaction currency account of the debtor according to the rule of walking;
  • Step 3 the transaction currency whose amount is the difference between the twelfth transaction price and the twelfth transaction service fee is credited to the credit card account of the creditor according to the entry rule; when the transaction is completed, The remaining trading margin is transferred to the platform service fee account according to the entry rules.
  • the transaction amount, the amount of the mortgage or the amount of the service item of the lowest amount of the credited credit is required to be placed in the database; and the thirteenth user settles from the transaction.
  • the module removes the mortgage balance
  • the minimum amount of the transaction amount, the amount of the mortgage or the amount of the service item to be deducted from the mortgage balance shall be placed in the database; otherwise, the user shall be removed from the thirteenth user transaction currency account according to the transfer rule.
  • the transaction currency of the credit or mortgage balance is transferred to the trading platform transfer currency account.
  • the transaction settlement module calculates a total amount of currency circulated by the platform within one settlement period of each subsystem, a total amount of service fee transactions received by the platform during the period, and a sum of the transaction currency balances of the fourteenth user at the time of settlement, and Calculate the return currency amount of the fourteenth user according to the following rules and formulas:
  • the currency circulation period is separately settled by the currency seed system.
  • the service fee transaction currency charged by the priority settlement platform at the time of settlement is converted into currency after the service fee is all converted into currency.
  • the remaining currency is settled as the fourteenth value according to the exchange rate.
  • the amount of money returned by the fourteenth user fourteenth value ⁇ (fourteenth user transaction currency balance / a total amount of the transaction currency balance of the fourteenth user; transmitting the identification number of the fourteenth user and the return currency amount to the online banking server; and when the fourteenth user returns the currency amount In the positive number, the online banking server will allocate the return currency amount of the fourteenth user from the transaction currency transfer currency account, and transfer it to the fourteenth user currency account.
  • the fifteenth user credit line, the cumulative total of all transactions sold on the trading platform during the period determines the increase of the credit credit of the next period, and after the fifteenth user credit balance is removed, the claim cannot be repaid within the preset period.
  • the extension of the fifteenth user's mortgage balance and credit balance is zero, and the fifteenth user's transaction currency balance automatically offsets the amount of the fifteenth user's credit balance, until the full amount is paid off.
  • the fifteenth user credit balance and mortgage balance can be restored; after the expiration of the extension, the fifteenth user transaction currency balance does not offset the fifteenth user credit balance and the fifteenth user transaction currency credit is zero for life. .
  • the sixteenth user removes the mortgage balance and the credit balance as the sixteenth quota, and does not enter the sixteenth quota according to the entry rule during the period extension period, which is regarded as a loss of trust, from the transaction settlement module service fee transaction.
  • the coin account is allocated the 16th quota as the supplementary fund of the physical trading platform, and is transferred to the platform transfer transaction currency account according to the entry rules.
  • the amount of the transaction currency does not participate in the settlement, when the 16th user enters the physical platform
  • the 16th quota is automatically credited to the transaction settlement module service fee transaction currency account according to the transfer rule to supplement the previous credit default amount.
  • the invention provides a physical object trading platform generated by using transaction coins, which is exchanged for shopping, and real-time online transactions are not realized by using currency.
  • the transactions between the buyer and the seller are denominated in the transaction currency, and are settled in the transaction currency when purchasing the required items and service items in the physical transaction platform.
  • the transaction currency is paid Easy-measured currency, non-tradable currency, and currency can not be directly exchanged. Only when the transaction currency is insufficient in the transaction process, the difference between the transaction currency and the currency is added. When the currency is settled periodically, the transaction platform collects the currency. The currency exchange rate is returned to the user.
  • the national currencies of the present invention are independently settled in various countries, overcoming exchange rate risks and foreign exchange management risks.
  • FIG. 1 is an architectural diagram of a transaction platform provided by the present invention
  • FIG. 2 is a flow chart (initial stage) of transaction of a subject matter of a mortgage in a trading platform provided by the present invention
  • transaction transaction stage is a flow chart of transaction of a mortgage object in a trading platform provided by the present invention (transaction transaction stage);
  • the currency is the legal currency of a country.
  • the invention provides a physical transaction platform generated by using a transaction currency, comprising a plurality of clients 1 and a platform server 2, wherein:
  • the plurality of clients 1 are all connected to the platform server 2;
  • the client is used for user login.
  • the platform server 2 includes a database 21, a transaction display module 22, and a transaction settlement module 23;
  • the database 21 stores identity information and transaction information of all users
  • the identity information includes an identity code, a name, an address, and a communication mode of the registered user;
  • the transaction information includes physical items and pictures, specifications, models, parameters, units of measure, quantity, price, mortgage objects and pictures, specifications, models, parameters, units of measurement, quantity, price, service items, units of measurement, quantity , price, creditor’s name and amount;
  • the transaction display module 22 is configured to acquire user identity information and transaction object information in the database 21, and send the information to the client 1, and the client 1 displays the received information in a preset manner;
  • the transaction settlement module 23 stores a user transaction currency account, a platform transfer transaction currency account, and a platform service fee transaction currency account;
  • the user transaction currency account includes a user's identification code, a transaction currency balance, a credit limit, a credit balance, and a mortgage.
  • the platform transfer transaction currency account includes a transaction currency balance owned by the platform; and
  • the platform service fee transaction currency account includes a platform service fee transaction currency balance.
  • the user can be uniquely identified by an identification code.
  • the transaction currency balance identifies the balance left by the user on the trading platform.
  • all goods to be traded are called trades, and each commodity is set with a transaction price.
  • each user will be given a certain credit limit, but the user will use a part of the credit, so the credit balance needs to be set to indicate the credit line remaining by the user.
  • the transaction currency balance, the transaction price, the credit limit and the credit balance are all in the transaction currency, and the amount unit is yuan.
  • each user is set with an identification code, the user's transaction currency balance is zero, and the credit limit is zero; if the user's credit limit is set, the credit balance is equal to the credit limit.
  • the database further stores an authentication code of all users, and the authentication code is used to verify the identity of the user.
  • the platform server In order to ensure the safe operation of the platform server and its data, it can be distributed server, cloud computing and application data encryption, and the stored data (such as database) can be backed up and stored in different locations.
  • the stored data such as database
  • the object transaction platform further comprises an online banking server 3:
  • the online banking server 3 is connected to the platform server 2;
  • the online banking server 3 stores a user currency account, a platform transfer currency account, and a platform service fee currency account; the user currency account stores the user's identification code; the platform transit currency account stores the The platform's identification code, currency balance, and the platform service fee currency account store the service fee identification number.
  • the transaction settlement module 23 has a transaction currency generation rule of:
  • the user generates a transaction currency mortgage balance at the transaction settlement module 23 by collateralizing the tradable asset amount;
  • the user can obtain the transaction currency by withdrawing the balance of the transaction asset mortgage.
  • the user generates a transaction currency credit balance in the transaction settlement module 23 by a credit line;
  • the user can obtain the transaction currency by withdrawing his credit balance.
  • the user generates a transaction currency balance in the transaction settlement module 23 by the credit amount
  • the user supplements the transaction currency difference by the currency exchange rate, and generates a transaction currency balance at the transaction settlement module 23.
  • the credit limit of the enterprise is set at 1% of the registered capital of the enterprise; the personal credit limit is set at 10,000 yuan per person.
  • the enterprise credit limit for this platform can be set to 1.2923 trillion yuan according to 129.23 trillion yuan; 100 million people can apply for personal credit registration, and 1 trillion yuan can be generated for 100 million personal credit lines.
  • the transaction currency is 2.2923 trillion yuan.
  • the total amount of user credits and mortgages generates 4.5846 trillion yuan of tradable assets.
  • the other methods for generating transaction coins are not described here. The above list shows the amount of money that can be generated.
  • the transaction currency transaction rule of the transaction settlement module 23 is:
  • the transaction currency is a transaction metric currency, a non-circulating currency, and a transaction ratio between the transaction currency and the other country is used, and the transaction settlement module 23 generates a conversion ratio of the transaction currency to its currency, and the platform sets the transaction currency and the transaction currency.
  • the price-to-price ratio of the reference country is 1:1; the transaction currency and the currency of circulation cannot be directly exchanged, and only when the transaction currency is insufficient during the transaction, the difference between the transaction currency and the currency of the currency is supplemented;
  • the trading platform collects the currency according to the currency exchange rate and returns the user.
  • the transaction currency has no debit interest, and the items in the physical trading platform are displayed free of charge.
  • the transaction currency clearing rule of the transaction settlement module 23 is:
  • the transaction currency balance of the user transaction currency account is greater than or equal to the fifth amount
  • the transaction currency balance is discarded by the fifth amount; otherwise, the credit balance and the mortgage are If the credit balance and the total balance of the mortgage are still insufficient to pay, the balance is supplemented by the currency exchange ratio.
  • the credit balance is 50 yuan
  • the mortgage balance is 50 yuan
  • the transaction currency amount to be removed is 90 yuan (90 ⁇ 100)
  • the balance of the transaction currency is 10 yuan
  • the credit balance is 50 yuan
  • the mortgage balance is 50 yuan.
  • the transaction currency amount to be traced is 110 yuan [110>100, but 110 ⁇ (100+50+50)]
  • the transaction will be The balance of the coin 100 is all removed, and the insufficient portion (ie, 10 yuan) can be removed from the credit balance or the mortgage balance.
  • 10 yuan is deducted from the credit balance
  • the balance of the transaction currency is 0 yuan
  • the credit balance is 40 yuan.
  • the mortgage balance is 50 yuan;
  • the difference is 10 yuan, and the user can choose to use the currency to supplement the difference.
  • the transaction currency settlement rule of the transaction settlement module 23 is:
  • the sixth amount of transaction currency is allocated to the user transaction currency account
  • the credit balance and the total mortgage balance in the user transaction currency account are equal to the credit limit of the account and the total amount of the mortgage amount
  • the sixth amount is included in the user platform transaction.
  • the balance of the currency otherwise, when the sum of the credit balance, the mortgage balance and the sixth amount is greater than the credit limit of the account and the total amount of the mortgage, the portion of the credit balance and the mortgage balance insufficient credit limit and the total amount of the mortgage amount is preferentially filled, and the credit limit will be exceeded.
  • the portion of the total amount of the mortgage amount is included in the balance of the transaction currency of the sixth user platform.
  • the credit limit is 50 yuan
  • the credit balance is 50 yuan
  • the mortgage amount is 50 yuan
  • the mortgage balance is 50 yuan
  • the amount is 100 yuan transaction currency (due to credit)
  • the balance of the transaction currency is 200 yuan
  • the credit limit is 50 yuan
  • the credit balance is 50 yuan
  • the mortgage amount is 50 yuan
  • the mortgage balance is 50 yuan.
  • the credit limit is 50 yuan
  • the credit balance is 40 yuan
  • the mortgage amount is 50 yuan
  • the mortgage balance is 40 yuan
  • the amount is 100 yuan (as a credit line) Credit balance, mortgage amount> mortgage balance)
  • the balance of the transaction currency is 80 yuan
  • the credit limit is 50 yuan
  • the credit balance is 50 yuan
  • the mortgage amount is 50 yuan
  • the mortgage balance is 50 yuan.
  • the transaction settlement module 23 completes the transaction of the entity of the buyer and the seller in accordance with the following steps:
  • Step one obtaining the price of the physical item and recording it as the seventh transaction price; and calculating the seventh transaction service fee by using the seventh transaction price;
  • Step 2 From the buyer's user transaction currency account, according to the rule of the drafting, the transaction currency whose amount is the sum of the seventh transaction price and the seventh transaction service fee is drawn, and is transferred to the platform transit transaction currency account as a transaction margin;
  • Step 3 When the transaction is completed, the transaction currency of the difference between the seventh transaction price and the seventh transaction service fee is removed from the platform transfer transaction currency account according to the drafting rule, according to the division The rules are transferred to the seller user's transaction currency account, and the remaining transaction margin is transferred to the platform service fee account.
  • the physical goods are the common transaction materials and the existing online e-commerce platform sales methods are the same.
  • the difference is that the online sales of the existing technology trading platform is settled in the currency, and the trading platform is sold online. The sale is settled in the transaction currency.
  • the service fee, in the platform is only in the transaction process of the trading platform, and the transaction service fee is charged according to a certain proportion of the transaction amount by the two parties.
  • the service fee is denominated in the transaction currency.
  • the transaction fee is charged in both directions.
  • the proportion of the subsystem failure the ratio of the transaction fee of the transaction currency of the subsystem is determined.
  • the adjustment period of the transaction currency service fee is One year.
  • the currency service fee is charged, a default value of deficit is set up, the currency service fee is charged proportionally according to the preset value, the proportion of the currency service fee is adjusted according to the proportion of the reverse surplus, and the period for adjusting the service fee of the currency is set to one month.
  • the online banking server 3 determines that the amount of the currency in the user's currency account corresponding to the eighth identification code is the eighth amount of the currency to the platform transfer currency account, the online banking server 3 Sending the eighth identification code and the eighth amount to the transaction settlement module 23; the transaction settlement module 23, according to the entry rule, from the user transaction currency account corresponding to the user identification code, the amount of the eighth amount and the redemption The amount of the transaction currency of the merchant.
  • the transaction settlement module 23 completes the transaction of the subject matter of the buyer and the seller in accordance with the following steps:
  • Step 1 obtain the value of the ninth user's mortgage object, and record it as the ninth value
  • Step 2 The transaction currency of the ninth value is deducted from the platform transfer transaction currency account, and the ninth value of the transaction currency is converted into the transaction currency account of the ninth user as the mortgage balance;
  • Step 3 The collateral establishes a price reduction cycle, and the price per cycle is forced to reduce the price according to a certain discount ratio; when the tenth user purchases the mortgaged object at the tenth value, if the tenth value is greater than or equal to the mortgage amount, the ninth user mortgages The amount becomes zero, and the difference between the tenth value minus its corresponding tenth service fee is credited to the tenth user's transaction currency account; if the tenth value is less than the mortgage amount, the ninth user shall follow the rule from the ninth user account The difference between the tenth value and the tenth value service fee is deducted from the mortgage amount, and then transferred to the platform transfer transaction currency account according to the entry rule; if the target collateral is still not traded within one year, proceed to step four;
  • the amount of the transaction currency is deducted from the user transaction currency account of the ninth user, and the transaction currency of the mortgage amount is allocated to the platform transaction currency account; the collateral cannot be mortgaged again.
  • the transaction settlement module 23 completes the transaction of the buyer and the seller's service items according to the following steps:
  • Step 1 Obtain the price of the service item and record it as the eleventh transaction price; and calculate the eleventh transaction service fee by using the eleventh transaction price;
  • Step 2 at the completion of the transaction, the transaction currency of the sum of the eleventh transaction price and the eleventh transaction service fee is taken as the transaction margin from the buyer's user transaction currency account according to the rule of walking;
  • Step 3 the transaction currency whose amount is the difference between the eleventh transaction price and the eleventh transaction service fee is allocated to the seller's transaction currency account according to the entry rule; when the transaction is completed, The remaining trading margin is transferred to the platform service fee account according to the entry rules.
  • the transaction settlement module 23 completes the transaction of the debts and debts between the users according to the following steps:
  • Step 1 Obtain the price of the creditor's right and the debt, and record it as the twelfth transaction price; and calculate the twelfth transaction service fee by using the twelfth transaction price;
  • Step 2 when the transaction is completed, the transaction currency whose amount is the sum of the twelfth transaction price and the twelfth transaction service fee is taken as the transaction margin from the user transaction currency account of the debtor according to the rule of walking;
  • Step 3 the transaction currency whose amount is the difference between the twelfth transaction price and the twelfth transaction service fee is credited to the credit card account of the creditor according to the entry rule; when the transaction is completed, The remaining trading margin is transferred to the platform service fee account according to the entry rules.
  • the transaction amount, the amount of the mortgage or the amount of the service item of the lowest amount of the credited credit is required to be placed in the database 21;
  • the transaction settlement module 23 clears the mortgage balance, the transaction amount, the amount of the mortgage or the amount of the service item of the minimum amount of the mortgage balance must be placed in the database 21; otherwise, the transaction is processed from the thirteenth user according to the entry rule.
  • the currency of the credit account or the balance of the mortgage is transferred to the trading platform.
  • the transaction settlement module 23 calculates the total amount of currency circulated by the platform in one settlement period of each subsystem, the total amount of service fee transaction money collected by the platform during the period, and the sum of the transaction currency balances of the fourteenth user at the time of settlement, And calculate the return currency amount of the fourteenth user according to the following rules and formulas:
  • the currency circulation period is separately settled by the currency seed system.
  • the service fee transaction currency charged by the priority settlement platform at the time of settlement is converted into currency after the service fee is all converted into currency.
  • the remaining currency is settled as the fourteenth value according to the exchange rate.
  • the amount of money returned by the fourteenth user fourteenth value ⁇ (fourteenth user transaction currency balance / a total amount of the transaction currency balance of all fourteenth users; transmitting the identification number of the fourteenth user and the return currency amount to the online banking server 3; and when the fourteenth user returns the currency amount When the number is positive, the online banking server 3 will allocate the return currency amount of the fourteenth user from the transaction currency transfer currency account, and transfer it to the fourteenth user currency account.
  • the fifteenth user credit line, the cumulative total of all transactions sold on the trading platform during the period determines the increase of the credit credit of the next period, and after the fifteenth user credit balance is removed, the claim cannot be repaid within the preset period.
  • the extension of the fifteenth user's mortgage balance and credit balance is zero, and the fifteenth user's transaction currency balance automatically offsets the amount of the fifteenth user's credit balance, until the full amount is paid off.
  • the fifteenth user credit balance and mortgage balance can be restored; after the expiration of the extension, the fifteenth user transaction currency balance does not offset the fifteenth user credit balance and the fifteenth user transaction currency credit is zero for life. .
  • the sixteenth user withdraws the mortgage balance and the credit balance as the sixteenth quota, and fails to enter the sixteenth quota according to the entry rule during the period extension period, which is regarded as a loss of trust, and the service fee from the transaction settlement module 23
  • the trading currency account draws the 16th quota as the supplementary fund of the physical trading platform, and is transferred to the platform trading currency account according to the entry rules.
  • the amount of the trading currency does not participate in the settlement, when the 16th user draws the physical platform
  • the sixteenth amount is automatically credited to the transaction settlement module 23 service fee transaction currency account according to the entry rule to supplement the previous credit default amount.
  • each user of the platform can only bind one bank account, and each subsystem sets up a platform transfer currency account and a service fee currency account; the total amount of the transaction currency is calculated by the user currency seed system every month, the service The fee is also calculated and settled according to the user's currency; the total amount of currency in each subsystem's monthly income is firstly deducted from the service fee according to the conversion ratio of the total transaction currency of the subsystem's income in the same period, and is returned according to the user's proportion;
  • the system operates independently, settles independently, and matures one.
  • the currency is the legal currency of a country.
  • the transaction further includes a service item, and the rules used by the buyer and the seller in the transaction service item are consistent with the rules when the entity item is traded.
  • the transaction further includes a creditor's right debt, and the rules used by the buyer and the seller in trading the creditor's debt are consistent with the rules for trading the physical item.
  • the process of the mortgage object is:
  • step S3 Judging the value of the subject matter> Credit limit? If step S4 is performed, otherwise step S5 is performed;
  • step S1 Is the subject sold? If it is sold, step S2 is performed, otherwise step S6 is performed; if the subject matter is sold, the trading platform will draw the transaction currency equivalent to the subject matter from the buyer's transaction currency balance, and The seller’s transaction currency balance;
  • step S2 Transaction price > 50% of the value of the subject matter? If yes, go to step S3, otherwise go to step S4;
  • S3 The transaction currency that gets 50% of the value of the target is credited to the seller's transaction currency balance, because the trading platform has paid the seller 50% of the value of the target, so only 50% of the value of the target is required. Part of the transaction currency is credited to the seller's transaction currency balance; and the 50% portion of the target value is included in the transaction currency balance of the trading platform;
  • S4 The seller fills in less than 50% of the transaction currency; because the trading platform has paid the seller 50% of the value of the subject matter, and the transaction price of the subject matter is less than 50% of the value of the target, therefore, the seller needs to fill in Less than 50% of the transaction currency;
  • the user's credit balance and credit limit are set to zero.
  • S1 User credit limit setting; when the user is an individual, the credit line is the sum of the certain increase ratio of the sales volume of the trading platform in the current year and the personal credit line; when the user is the enterprise, the credit line is the sales of the trading platform in the current year.
  • the ratio of the certain increase rate of the quantity to the certain ratio of the registered capital of the enterprise; the trading platform will adjust the credit line of the user once a year according to this principle.
  • step S3 Is the payment paid off? If yes, go to step S7, otherwise go to step S4;
  • step S4 Do you apply for an extension? If yes, go to step S5, otherwise go to step S6;
  • step S5 Is the deferred payment due? If yes, go to step S7, otherwise go to step S6;
  • the credit limit is zero, and the amount of credit loss is supplemented by the trading platform; that is, the user loses the letter, and the arrears are not repaid (the trading platform may use legal means to recover the user);
  • the user's credit system assessment on the platform will also affect the increase in credit limit.
  • the enterprise is out of trust, the enterprise credit limit is zero, the corporate legal person's lifetime credit limit is zero; if the legal person is not repaid, the current legal person credit limit is also zero, and the current legal person credit limit and the enterprise credit limit can be restored after the repayment; Change, the company's credit limit can not be restored.
  • the trading platform can also perform a transaction process of the sales contract, specifically:
  • the seller may remove the transaction currency in advance for the purchase of the goods
  • the trading platform also provides an installment purchase item. If the installer can repay the loan on time, the purchased item is a purchase; otherwise, the purchase becomes a mortgage transaction, and the trading platform can recover it.
  • the trading platform also provides a pension payment service, specifically: an elderly person who needs to receive the aged care service pledges his pension fixed assets as a transaction to the transaction platform, and the platform will trade the value of the pension fixed assets by 50%.
  • the currency is provided by the trading platform on a monthly basis to the elderly who need to receive the aged care service; if the old man dies, the pending transaction becomes a mortgage transaction, which is sold by the trading platform, and the difference between the selling price and the mortgage is returned to the heir.
  • Transaction currency stock total balance of all user transaction currency + platform margin transaction currency balance + service fee transaction currency balance
  • Buyer's guaranteed amount transaction price + transaction price ⁇ 1% (set service fee collection ratio);
  • Platform service fee collection amount transaction price ⁇ (1% + 1%) (set the service fee collection ratio, 1% for each buyer and seller);
  • Seller's transaction currency income transaction price - transaction price ⁇ 1% (set service fee collection ratio);
  • Comparable price monthly average of comparable reference prices
  • the trade surplus is cross-system transaction currency income > transaction currency expenditure;
  • the trade deficit is cross-system transaction currency income ⁇ transaction currency expenditure
  • the rate of loss of trust [the total amount of mortgages not repaid due to maturity + the total amount of credits due to expire) / [total amount of mortgages + total credits];
  • Transaction currency cycle average stock total amount of accumulated user account transaction currency balance at the end of each year and /12;
  • the transaction of goods and things means that on the trading platform, the currency is denominated in the transaction currency, and the direct transaction is not realized through the currency.
  • the balance can also be used to supplement the difference by the ratio.
  • Creditor's rights and debt transactions It means that the registered members of the trading platform agree to resolve the creditor's rights and debt relationships through the trading platform.
  • the debtor uses the tradable stock assets as the tradable object of the mortgage, and discards the trading platform trading currency according to 50% of the mortgage target, to pay the creditor, the creditor obtains the transaction currency, and ends the debt relationship.
  • the creditor can use the transaction currency to purchase the required goods and services on the trading platform.
  • Service transactions refer to the services provided by the trading platform, which are legally permitted, and are settled by transaction currency.
  • Credit transaction refers to the individual and the enterprise on the trading platform, in accordance with the trading rules, obtain the corresponding amount of the transactionable currency, and remove the transaction currency to purchase the required goods and services.
  • a general transaction is an item sold on a physical trading platform and is equivalent to an item sold online in the prior art.
  • a tradable item is an item that can be immediately realized.
  • the pending transaction refers to the mortgage payment of the purchaser. If the payment is not made on time, the transaction is changed into the mortgage transaction, the purchase of the mortgage is called the transaction, and the repayment on time becomes the purchase. There is also a fixed-asset mortgage old-age loan collateral called for transactions.
  • the transaction currency can be generated as the balance of the credit and the amount of the mortgage that has not been crossed.
  • the generated transaction currency refers to the transaction currency balance generated by the transaction.
  • the invention provides a commodity trading platform generated by using a transaction currency, in which the transactions between the buyer and the seller are calculated by the transaction currency, and the transaction goods are settled by using the transaction currency when purchasing the required articles and services in the trading platform.
  • the transaction currency is a transaction metric currency, a non-tradable currency, and cannot be directly exchanged with the currency. Only when the transaction currency is insufficient during the transaction process, the transaction currency is supplemented by the exchange rate. When the currency is settled, the trading platform collects the currency. The currency exchange rate is returned to the user.
  • the transaction currency replaces the currency in circulation to realize real-time transactions between objects and objects.
  • the transaction currency is the transaction metric currency common to each subsystem, and is subject to the supervision of the trading countries of each subsystem.
  • the currency is the legal currency of a country.
  • the exchange ratio between the transaction currency and the currency is calculated according to the price ratio of each country. It has no relationship with the exchange rate of each country.
  • the exchange ratio of the transaction currency to the RMB is 1:1.
  • the exchange rate with other countries is calculated based on its price ratio with China.
  • Each year, the reference object is publicly collected for the user of the trading platform, and the reference is determined by voting.
  • the number of reference objects in each subsystem may be different, but in the platform price comparison reference catalogue, the exchange ratio of the transaction currency and the currency is calculated once a month, and the monthly exchange rate is finally determined as the exchange ratio between the transaction currency and the currency.
  • the trading platform is announced.
  • the size of the total amount of the transaction currency is determined by the sum of the total amount of the credit limit and the total value of the mortgaged object.
  • the increment of the transaction currency is determined by the total amount of new transactions initiated in the unit time, and the transaction currency stock does not affect the transaction again.
  • the change in the total stock of the transaction currency, the amount of the transaction currency that is added to the currency period of the platform transaction, and the circulation currency is returned to the user at the time of settlement, and the transaction currency amount of the currency that enters the trading platform is reduced.
  • the transaction currency is not issued by the issue. Its stock is determined by the volume of the transaction and is not affected by human factors.
  • the total amount of trading currency will not affect the market price level. There is no limit on the amount of trading currency, how big the trading volume is, and how big the trading currency amount is.
  • the risk of trading currency is mainly determined by the number and proportion of untrustworthy letters after the platform credit users trade. If there is a loss of trust, the total amount of platform turnover will be supplemented by the transaction service fee charged by the platform. Alternatively, the rate of loss of trust will affect the rate of collection of transaction service fees.
  • the proportion of the transaction currency is adjusted according to the proportion of the subsystem's loss of trust during the period.
  • the proportion of the currency received is adjusted by the deficit and surplus adjustment of the subsystem. There is no risk in the overall operation of the platform, so there is no risk in trading the currency.
  • the transaction currency is a non-issued currency, which is also a non-tradable currency.
  • the digital currency has the advantage that all the transaction currency is available.
  • the transaction currency overcomes the defects of the currency, and solves the problem that the currency cannot be solved.
  • the currency can be used to supplement the difference by the exchange rate, and the same exchange rate is returned to the user at the time of settlement.
  • the transaction currency is the measurement currency of the transaction, which is derived from the transaction and serves the transaction. Except for transactions, any non-transactional activity cannot generate transaction currency, which can neither be generated by computer calculation nor purchased with currency. There is no specific method for generating transaction currency.
  • the transaction currency has no debit interest, and the transaction currency is not only a supplement to the currency, but also a real-time transaction of goods and objects instead of the currency.
  • the invention also overcomes that the online object transaction can not be traded in real time, can not directly obtain urgently needed items, and exchanges for shopping.
  • the difference from online shopping is that real-time online transactions are not realized by using currency, and the stock assets are directly revitalized, which can effectively solve the enterprise's Issues such as debts and debts and tight capital will reduce transaction costs, stimulate consumer demand, stimulate market vitality, and use credit to create opportunities for enterprises to revitalize the economy.

Abstract

一种运用交易币生成的物物交易平台，在该平台中，买卖双方的交易是以交易币来计价，在交易平台中购买所需物品及服务时用交易币结算。所述交易币为交易度量币、非流通币，与流通币不能直接兑换，只能在交易过程中当交易币不足时，按兑换比补充交易币差额，流通币周期结算时，该交易平台收取流通币按币种兑换比返还用户。交易币可代替流通币实现物与物的实时交易。

Description

一种运用交易币生成的物物交易平台 技术领域
本发明涉及一种运用交易币生成的物物交易平台，属于金融和电子商务领域。
背景技术
随着移动互联网技术的发展，各个交易平台通常都设置有数字货币。
一、现有技术数字货币形式列举及其存在的缺陷：
1、现有技术数字货币形式列举如下：
1.1 由计算机通过预设程序生成，比如：比特币；
1.2 用流通币（即一个国家的法定货币）兑换产生，比如：支付宝，微信零钱等；
1.3 将加密技术加密流通币数额，从而方便在网络上进行交易结算，比如：网络银行或银行APP里的余额；
1.4仿照比特币的网络分布式记账系统而开发的、且计划代替纸币的数字货币发行版；
1.5 网络游戏产生的游戏币，通常用于游戏中购买游戏中的虚拟物品，也可用流通币购买游戏币。
2、现有技术数字货币存在的缺陷：
2.1 在前述例1.1中，计算机生成数字币，如果不能作为一种载体与流通币发生联系，其价值只局限于少数人群中。
2.2 在前述例1.2-1.4中，虽然克服了纸币的部分缺点（如印刷、运输以及管理成本高的问题、假币问题、安全问题和现金量难以确定等），但只是流通币的一种表现形式，依然没有克服流通币的部分缺点（如企业资金短缺、融资成本高、三角债、金融风险），且与现金互相兑换的过程中存在不法交易、洗钱、投机行为等问题。
2.3 在前述例1.5中，该游戏币局限性在于，只能用于游戏中的交易，不具有普遍性和广泛性。
二、现有技术物物交易平台形式列举及其存在的缺陷：
1、现有技术物物交易平台形式列举：
1.1 物物交易平台，如：易物网等；
1.2 购物交易平台，如：淘宝、京东、eBay、亚马逊等。
2、现有技术物物交易平台存在的缺陷：
2.1 物物交易不能实时交易，不能直接获取急需物资；
2.2目前在线销售的支付方式，都没有脱离流通币支付方式，在线销售仍未克服流通币的使用缺点；
2.3存在国际贸易风险、汇率风险、外汇管理风险。
 技术问题
为解决上述技术问题，本发明提供了一种运用交易币生成的物物交易平台，变交换为购物，不用流通币实现网上实时交易。在该平台中，买卖双方的交易是以交易币来计价，在物物交易平台中购买所需物品及服务时用交易币结算。所述交易币为交易度量币、非流通币，与流通币不能直接兑换 ，只能在交易过程中当交易币不足时，按流通币兑换比补充交易币差额；流通币周期结算时，物物交易平台收取流通币按币种兑换比返还用户。本发明的各国货币在各个国家独立结算，克服了汇率风险和外汇管理风险 。
技术解决方案
为了达到上述目的，本发明的技术方案如下：
本发明提供了一种运用交易币生成的物物交易平台，包括多个客户端和平台服务器，其中：
所述多个客户端都连接到平台服务器；
所述平台服务器包括数据库、交易物展示模块和交易结算模块；
所述数据库存储有所有用户的身份信息和交易物信息；
所述身份信息包括注册用户的身份识别码、名称、住址、通讯方式；
所述交易物信息包括实体物品及图片、规格、型号、参数、计量单位、数量、价格，抵押标的物及图片、规格、型号、参数、计量单位、数量、价格，服务项目及计量单位、数量、价格，债权债务人名称和金额；
交易物展示模块用于获取所述数据库中的用户身份信息和交易物信息、并发送给客户端，所述客户端会以预设的方式显示所接收到的信息；
所述交易结算模块存储有用户交易币账户、平台中转交易币账户和平台服务费交易币账户；所述用户交易币账户包括用户的身份识别码、交易币余额、 信用额度、信用余额、抵押额度和抵押余额；所述平台中转交易币账户包括平台所拥有的交易币余额；所述平台服务费交易币账户包括平台服务费交易币余额。
作为优选，所述物物交易平台还包括网银服务器：
所述网银服务器连接到所述平台服务器；
所述网银服务器存储有用户流通币账户、平台中转流通币账户、平台服务费流通币账户；所述用户流通币账户存储有该用户的身份识别码；所述平台中转流通币账户存储有该平台的身份识别码、流通币余额，所述平台服务费流通币账户存储有服务费的身份识别码。
作为优选，交易结算模块交易币生成规则为：
所述用户通过抵押可交易资产额在所述交易结算模块生成交易币抵押余额；
所述用户通过信用额度在所述交易结算模块生成交易币信用余额；
所述用户通过债权额在所述交易结算模块生成交易币余额；
所述用户通过流通币按兑换比补充交易币差额，在所述交易结算模块生成交易币余额。
作为优选，交易结算模块的交易币交易规则为：
所述交易币为交易度量币、非流通币，通过交易币参照国与其他国的物价比，在所述交易结算模块生成交易币与其流通币的兑换比，平台设定交易币与交易币参照国的物价比为1：1；交易币与流通币不能直接兑换，只能在交易过程中当交易币不足时，按流通币的兑换比补充交易币差额；流通币周期结算时，物物交易平台收取流通币按币种兑换比返还用户。
作为优选，交易结算模块的交易币划走规则为：
当从用户交易币账户划走第五数额的交易币时，当用户交易币账户的交易币余额大于等于第五数额时，将所述交易币余额划走第五数额；否则从信用余额和抵押余额中划走不足部分；且当信用余额与抵押余额总额仍然不足以支付时，用流通币按兑换比补充差额部分。
作为优选，交易结算模块的交易币划入规则为：
在向用户交易币账户划入第六数额的交易币时，当用户交易币账户中的信用余额、抵押余额总额等于其账户的信用额度、抵押额度总额时，将第六数额 划入用户平台交易币余额；否则当信用余额、抵押余额与第六数额之和大于其账户的信用额度、抵押额度总额时，优先补足信用余额和抵押余额不足信用额度和抵押额度总额的部分，且将超过信用额度、抵押额度总额的部分划入到第六用户平台交易币余额。
作为优选，所述交易结算模块按照以下步骤来完成买卖双方实体物品的交易：
步骤一，获取实体物品的价格，并记为第七交易价格；且利用第七交易价格计算出第七交易服务费；
步骤二，从买方的用户交易币账户中依据所述划走规则，划走数额为第七交易价格与第七交易服务费之和的交易币，划入平台中转交易币账户作为交易保证金；
步骤三，在该交易完成时，从所述平台中转交易币账户中依据所述划走规则，划走数额为第七交易价格与第七交易服务费之差的交易币，依据所述划入规则划入到卖方用户交易币账户中，将剩余交易保证金划入平台服务费账户中。
作为优选，在所述步骤二中，当网银服务器判断出第八身份识别码所对应的用户流通币账户里划出数额为第八数额的流通币到平台中转流通币账户时，网银服务器将第八身份识别码和第八数额发送给交易结算模块；交易结算模块从该用户识别码所对应的用户交易币账户中依据所述划入规则，划入数额为第八数额与兑换比的商的交易币额。
作为优选，所述交易结算模块按照以下步骤来完成买卖双方的抵押标的物的交易：
步骤一，获取第九用户的抵押标的物的价值，记为第九价值；
步骤二，从平台中转交易币账户中划走数额为第九价值一定比例的交易币，将第九价值一定比例交易币划入到第九用户的交易币账户中作为抵押余额；
步骤三，抵押物设立降价周期，每周期价格按照一定折扣比例强制降价；当第十用户以第十价值购买走该抵押标的物时，若第十价值大于或等于抵押额度，则第九用户抵押额度变为零，第十价值扣除其对应的第十服务费的差划入第十用户的交易币账户；若第十价值小于抵押额度，则第九用户应按划出规则 从第九用户账户中划出抵押额度减去第十价值和第十价值服务费的差额，再按划入规则划入平台中转交易币账户；如果一年到期该标的抵押物仍未交易，则执行步骤四；
步骤四，从第九用户的用户交易币账户中划走数额为抵押额度交易币，将数额为抵押额度的交易币划入到所述平台中转交易币账户中；该抵押物不能再次抵押。
作为优选，所述交易结算模块按照以下步骤来完成买卖双方服务项目的交易：
步骤一，获取服务项目的价格，并记为第十一交易价格；且利用第十一交易价格计算出第十一交易服务费；
步骤二，在该交易完成时，从买方的用户交易币账户中依据所述划走规则划走数额为第十一交易价格与第十一交易服务费之和的交易币作为交易保证金；
步骤三，将所述数额为第十一交易价格与第十一交易服务费之差的交易币依据所述划入规则划入到所述卖方的交易币账户中；在该交易完成时，将剩余交易保证金按划入规则划入平台服务费账户中。
作为优选，所述交易结算模块按照以下步骤来完成用户之间的债权债务的交易：
步骤一，获取债权、债务的价格，并记为第十二交易价格；且利用第十二交易价格计算出第十二交易服务费；
步骤二，在该交易完成时，从债务方的用户交易币账户中依据所述划走规则划走数额为第十二交易价格与第十二交易服务费之和的交易币作为交易保证金；
步骤三，将所述数额为第十二交易价格与第十二交易服务费之差的交易币依据所述划入规则划入到所述债权方的交易币账户中；在该交易完成时，将剩余交易保证金按划入规则划入平台服务费账户中。
作为优选，第十三用户从交易结算模块划走信用余额时，需在所述数据库放入最低为划走信用额的交易物额、抵押物额或服务项目额；第十三用户从交易结算模块划走抵押余额时，需在所述数据库放入最低为划走抵押余额的交易物额、抵押物额或服务项目额；否则依据所述划入规则从第十三用户交易币账户划走信用额或抵押余额的交易币，划入交易平台中转交易币账户。
作为优选，所述交易结算模块会计算出每个子系统一个结算周期内平台收取的流通币总额，周期内平台收取的服务费交易币总额，以及结算时第十四用户的交易币余额的总和，并依据下面规则和公式计算出第十四用户的返还流通币额：
流通币周期按币种子系统单独结算，结算时优先结算平台收取的服务费交易币，将服务费全部按兑换比换为流通币后，剩余的流通币作为第十四价值按兑换比分别结算给平台各用户；
第十四用户的返还流通币额 = 第十四价值 × （第十四用户交易币余额 / 第十四所有用户的交易币余额的总额）；将所述第十四用户的身份识别码和返还流通币额发送给所述网银服务器；且当所述第十四用户的返还流通币额为正数时，所述网银服务器会从交易平台中转流通币账户划出所述第十四用户的返还流通币额，并划入到所述第十四用户流通币账户。
作为优选，第十五用户信用额度，周期内在交易平台卖出的所有交易物的累计总额决定下一周期信用额度的增幅，第十五用户信用余额划走后，在预设周期内无法还清的可申请延期；在延期期间，第十五用户抵押余额和信用余额为零，第十五用户交易币余额自动冲抵第十五用户信用余额的划走额度，直至全额还清划走额度后，才可恢复第十五用户信用余额和抵押余额；在延期到期后，第十五用户交易币余额未冲抵第十五用户信用余额划走额，第十五用户交易币信用额度终身为零。
作为优选，第十六用户划走抵押余额和信用余额记为第十六额度，在周期延期内未依据所述划入规则划入第十六额度，视为失信，从交易结算模块服务费交易币账户划出第十六额度作为物物交易平台补充金，依据所述划入规则划入平台中转交易币账户，此部分交易币额不参与结算，当第十六用户向物物平台划入交易币交易时，自动依据所述划入规则将第十六额度划入交易结算模块服务费交易币账户，以补充之前失信额度。
 有益效果
本发明提供了一种运用交易币生成的物物交易平台，变交换为购物，不用流通币实现网上实时交易。在该平台中，买卖双方的交易是以交易币来计价，在物物交易平台中购买所需物品及服务项目时用交易币结算。所述交易币为交 易度量币、非流通币，与流通币不能直接兑换，只能在交易过程中当交易币不足时，按流通币兑换比补充交易币差额；流通币周期结算时，物物交易平台收取流通币按币种兑换比返还用户。本发明的各国货币在各个国家独立结算，克服了汇率风险和外汇管理风险。
附图说明
图1为本发明所提供的一种交易平台的架构图 ；
图2为本发明所提供的一种交易平台中的抵押标的物的交易流程图（ 初始阶段 ）；
图3为本发明所提供的一种交易平台中的抵押标的物的交易流程图（ 交易物交易阶段 ）；
图4为本发明所提供的一种交易平台中的用户信用的交易流程图；
其中：1.客户端，2.平台服务器，21.数据库，22.交易物展示模块，23.交易结算模块，3.网银服务器。
 本发明的最佳实施方式
下面结合具体实施方式对本发明作进一步详细的说明。
在本发明中流通币是指一个国家的法定货币。
本发明提供了一种运用交易币生成的物物交易平台，包括多个客户端1和平台服务器2，其中：
所述多个客户端1都连接到平台服务器2；
所述客户端用于用户登录。
所述平台服务器2包括数据库21、交易物展示模块22和交易结算模块23；
所述数据库21存储有所有用户的身份信息和交易物信息；
所述身份信息包括注册用户的身份识别码、名称、住址、通讯方式；
所述交易物信息包括实体物品及图片、规格、型号、参数、计量单位、数量、价格，抵押标的物及图片、规格、型号、参数、计量单位、数量、价格，服务项目及计量单位、数量、价格，债权债务人名称和金额；
交易物展示模块22用于获取所述数据库21中的用户身份信息和交易物信息、并发送给客户端1，所述客户端1会以预设的方式显示所接收到的信息；
所述交易结算模块23存储有用户交易币账户、平台中转交易币账户和平台服务费交易币账户；所述用户交易币账户包括用户的身份识别码、交易币余额、信用额度、信用余额、抵押额度和抵押余额；所述平台中转交易币账户包括平台所拥有的交易币余额；所述平台服务费交易币账户包括平台服务费交易币余额。
利用身份识别码可以对用户进行唯一标识。
交易币余额标识用户在该交易平台上所剩的余额。在该交易平台上，所有待交易的商品都称为交易物，每件商品都设定有交易价格。在该交易平台上，对每个用户都会给予一定的信用额度，但是用户会使用一部分信用，因此需要设定信用余额，表示该用户所剩余的信用额度。
在该交易平台上，所述交易币余额、交易物价格、信用额度和信用余额都是以交易币为金额单位的，金额单位为元。
在该交易平台初始化时，会对每个用户设置一个身份识别码，用户的交易币余额为零，信用额度为零；若设定用户的信用额度后，则信用余额等于信用额度。
可选地，所述数据库还存储有所有用户的身份验证码，所述身份验证码用于对用户的身份进行验证。
为了保证平台服务器及其数据的安全运行，可以为分布式服务器、云计算和运用数据加密等，且其中所存储的数据（比如：数据库）可以备份存储在不同地点。
作为优选，所述物物交易平台还包括网银服务器3：
所述网银服务器3连接到所述平台服务器2；
所述网银服务器3存储有用户流通币账户、平台中转流通币账户、平台服务费流通币账户；所述用户流通币账户存储有该用户的身份识别码；所述平台中转流通币账户存储有该平台的身份识别码、流通币余额，所述平台服务费流通币账户存储有服务费的身份识别码。
作为优选，交易结算模块23交易币生成规则为：
所述用户通过抵押可交易资产额在所述交易结算模块23生成交易币抵押余额；
即用户可以通过支取交易资产抵押余额，来获取交易币。
所述用户通过信用额度在所述交易结算模块23生成交易币信用余额；
即用户可以通过支取其信用余额，来获取交易币。
所述用户通过债权额在所述交易结算模块23生成交易币余额；
所述用户通过流通币按兑换比补充交易币差额，在所述交易结算模块23生成交易币余额。
 本发明的实施方式
以中国为例举例说明：企业的信用额度设企业注册资金额的1%；个人信用额度设每人1万元。据2014年底网上公布数据显示，中国各类主体共有6932.22万户，注册资本129.23万亿元；个人信用卡累计发卡4.55亿张。设定该平台企业信用额度按129.23万亿元可生成1.2923万亿元；个人信用注册申请1亿人，个人信用额度按1亿人可生成1万亿元。则按与信用额度等额匹配的、且不需第三方评估机构评估的抵押可交易资产获取交易币2.2923万亿元。该交易平台中，用户信用额度和抵押额度合计生成可交易资产4.5846万亿元，至于其他生成交易币的方法在此不再赘述。以上列举说明交易币的可生成量。
优选地，交易结算模块23的交易币交易规则为：
所述交易币为交易度量币、非流通币，通过交易币参照国与其他国的物价比，在所述交易结算模块23生成交易币与其流通币的兑换比，平台设定交易币与交易币参照国的物价比为1：1；交易币与流通币不能直接兑换，只能在交易过程中当交易币不足时，按流通币的兑换比补充交易币差额；流通币周期结算时，物物交易平台收取流通币按币种兑换比返还用户。
可选的，交易币没有借记利息，物物交易平台中物品免费展示。
优选地，交易结算模块23的交易币划走规则为：
当从用户交易币账户划走第五数额的交易币时，当用户交易币账户的交易币余额大于等于第五数额时，将所述交易币余额划走第五数额；否则从信用余额和抵押余额中划走不足部分；且当信用余额与抵押余额总额仍然不足以支付时，用流通币按兑换比补充差额部分。
例如，当用户的交易币余额为100元、信用余额为50元、抵押余额为50元时；如果要划走的交易币数额为90元（90<100）,则允许划走，且划走之后交易币余额为10元、信用余额为50元、抵押余额为50元；如果要划走的交易币数额为110元[110>100，但110<（100+50+50）],将交易币余额100全部划走，可从信用余额或抵押余额中划走不足部分（即10元），例如，从信用余额中划走10元，则交易币余额为0元、信用余额为40元、抵押余额为50元；
如果要划走的交易币数额为210元[210>(100+50+50）]，则差额为10元，用户可以选择利用流通币来补充差额。
优选地，交易结算模块23的交易币划入规则为：
在向用户交易币账户划入第六数额的交易币时，当用户交易币账户中的信用余额、抵押余额总额等于其账户的信用额度、抵押额度总额时，将第六数额划入用户平台交易币余额；否则当信用余额、抵押余额与第六数额之和大于其账户的信用额度、抵押额度总额时，优先补足信用余额和抵押余额不足信用额度和抵押额度总额的部分，且将超过信用额度、抵押额度总额的部分划入到第六用户平台交易币余额。
例如，当用户的交易币余额为100元、信用额度为50元、信用余额为50元、抵押额度为50元、抵押余额为50元时；当划入数额为100元交易币时（由于信用额度=信用余额、抵押额度=抵押余额），划入之后交易币余额为200元、信用额度为50元、信用余额为50元、抵押额度为50元、抵押余额为50元。
当用户的交易币余额为0元、信用额度为50元、信用余额为40元、抵押额度为50元、抵押余额为40元时；当划入数额为100元交易币时（由于信用额度>信用余额、抵押额度>抵押余额），划入之后交易币余额为80元、信用额度为50元、信用余额为50元、抵押额度为50元、抵押余额为50元。
优选地，所述交易结算模块23按照以下步骤来完成买卖双方实体物品的交易：
步骤一，获取实体物品的价格，并记为第七交易价格；且利用第七交易价格计算出第七交易服务费；
步骤二，从买方的用户交易币账户中依据所述划走规则，划走数额为第七交易价格与第七交易服务费之和的交易币，划入平台中转交易币账户作为交易保证金；
步骤三，在该交易完成时，从所述平台中转交易币账户中依据所述划走规则，划走数额为第七交易价格与第七交易服务费之差的交易币，依据所述划入规则划入到卖方用户交易币账户中，将剩余交易保证金划入平台服务费账户中。
实体物品是一般交易物与现有网上流行的电子商务平台销售方式一致，不同的是，现有技术交易平台网上销售是用流通币计价结算，该交易平台网上销 售是用交易币计价结算。
可选的，所述服务费，在该平台中，只在交易平台交易过程中，同时根据交易双方按交易额的一定比例收取交易服务费。服务费以交易币计价，设按照交易双方交易额的1%同时双向收取交易服务费，根据子系统失信比例，决定该子系统交易币服务费的收取比例浮动幅度，交易币服务费调整周期为一年。流通币服务费收取，设立一个逆差预设值，超出预设值按比例收取流通币服务费，按逆顺差比例调整流通币服务费收取比例，设置调整流通币服务费的周期为一个月。
优选地，在所述步骤二中，当网银服务器3判断出第八身份识别码所对应的用户流通币账户里划出数额为第八数额的流通币到平台中转流通币账户时，网银服务器3将第八身份识别码和第八数额发送给交易结算模块23；交易结算模块23从该用户识别码所对应的用户交易币账户中依据所述划入规则，划入数额为第八数额与兑换比的商的交易币额。
优选地，所述交易结算模块23按照以下步骤来完成买卖双方的抵押标的物的交易：
步骤一，获取第九用户的抵押标的物的价值，记为第九价值；
步骤二，从平台中转交易币账户中划走数额为第九价值一定比例的交易币，将第九价值一定比例交易币划入到第九用户的交易币账户中作为抵押余额；
步骤三，抵押物设立降价周期，每周期价格按照一定折扣比例强制降价；当第十用户以第十价值购买走该抵押标的物时，若第十价值大于或等于抵押额度，则第九用户抵押额度变为零，第十价值扣除其对应的第十服务费的差划入第十用户的交易币账户；若第十价值小于抵押额度，则第九用户应按划出规则从第九用户账户中划出抵押额度减去第十价值和第十价值服务费的差额，再按划入规则划入平台中转交易币账户；如果一年到期该标的抵押物仍未交易，则执行步骤四；
步骤四，从第九用户的用户交易币账户中划走数额为抵押额度交易币，将数额为抵押额度的交易币划入到所述平台中转交易币账户中；该抵押物不能再次抵押。
优选地，所述交易结算模块23按照以下步骤来完成买卖双方服务项目的 交易：
步骤一，获取服务项目的价格，并记为第十一交易价格；且利用第十一交易价格计算出第十一交易服务费；
步骤二，在该交易完成时，从买方的用户交易币账户中依据所述划走规则划走数额为第十一交易价格与第十一交易服务费之和的交易币作为交易保证金；
步骤三，将所述数额为第十一交易价格与第十一交易服务费之差的交易币依据所述划入规则划入到所述卖方的交易币账户中；在该交易完成时，将剩余交易保证金按划入规则划入平台服务费账户中。
优选地，所述交易结算模块23按照以下步骤来完成用户之间的债权债务的交易：
步骤一，获取债权、债务的价格，并记为第十二交易价格；且利用第十二交易价格计算出第十二交易服务费；
步骤二，在该交易完成时，从债务方的用户交易币账户中依据所述划走规则划走数额为第十二交易价格与第十二交易服务费之和的交易币作为交易保证金；
步骤三，将所述数额为第十二交易价格与第十二交易服务费之差的交易币依据所述划入规则划入到所述债权方的交易币账户中；在该交易完成时，将剩余交易保证金按划入规则划入平台服务费账户中。
优选地，第十三用户从交易结算模块23划走信用余额时，需在所述数据库21放入最低为划走信用额的交易物额、抵押物额或服务项目额；第十三用户从交易结算模块23划走抵押余额时，需在所述数据库21放入最低为划走抵押余额的交易物额、抵押物额或服务项目额；否则依据所述划入规则从第十三用户交易币账户划走信用额或抵押余额的交易币，划入交易平台中转交易币账户。
优选地，所述交易结算模块23会计算出每个子系统一个结算周期内平台收取的流通币总额，周期内平台收取的服务费交易币总额，以及结算时第十四用户的交易币余额的总和，并依据下面规则和公式计算出第十四用户的返还流通币额：
流通币周期按币种子系统单独结算，结算时优先结算平台收取的服务费交易币，将服务费全部按兑换比换为流通币后，剩余的流通币作为第十四价值按兑换比分别结算给平台各用户；
第十四用户的返还流通币额 = 第十四价值 × （第十四用户交易币余额 / 第十四所有用户的交易币余额的总额）；将所述第十四用户的身份识别码和返还流通币额发送给所述网银服务器3；且当所述第十四用户的返还流通币额为正数时，所述网银服务器3会从交易平台中转流通币账户划出所述第十四用户的返还流通币额，并划入到所述第十四用户流通币账户。
优选地，第十五用户信用额度，周期内在交易平台卖出的所有交易物的累计总额决定下一周期信用额度的增幅，第十五用户信用余额划走后，在预设周期内无法还清的可申请延期；在延期期间，第十五用户抵押余额和信用余额为零，第十五用户交易币余额自动冲抵第十五用户信用余额的划走额度，直至全额还清划走额度后，才可恢复第十五用户信用余额和抵押余额；在延期到期后，第十五用户交易币余额未冲抵第十五用户信用余额划走额，第十五用户交易币信用额度终身为零。
优选地，第十六用户划走抵押余额和信用余额记为第十六额度，在周期延期内未依据所述划入规则划入第十六额度，视为失信，从交易结算模块23服务费交易币账户划出第十六额度作为物物交易平台补充金，依据所述划入规则划入平台中转交易币账户，此部分交易币额不参与结算，当第十六用户向物物平台划入交易币交易时，自动依据所述划入规则将第十六额度划入交易结算模块23服务费交易币账户，以补充之前失信额度。
可选的，该平台每个用户只能绑定一个银行账户，每个子系统设立一个平台中转流通币账户和一个服务费流通币账户；每月按用户币种子系统计算交易币的总量，服务费也是按用户币种计量结算；各子系统每月收入的流通币总额，先按该子系统同期收入的交易币总额的兑换比例扣除服务费后的差额，按用户占比予以返还；各个子系统独立运营，独立结算，成熟一个开设一个。
可选的，所述流通币就是一个国家的法定货币。
优选地，所述交易物还包括服务项目，且买卖双方在交易服务项目时使用的规则与交易实体物品时的规则是一致的。
优选地，所述交易物还包括债权债务，且买卖双方在交易债权债务时使用的规则与交易实体物品时的规则是一致的。
可选地：所述抵押标的物的流程为：
（1）初始阶段
S1：卖家开始抵押标的物；
S2：获取该用户的信用余额；
S3：判断标的物价值>信用额度？如果是执行步骤S4，否则执行步骤S5；
S4：从第三方价值评估报告中获取标的物价值；
S5：将标的物价值的50%划入该卖家的交易币余额；该标的物价值的50%是从该交易平台的交易币余额中划出，之后划入到该卖家的交易币抵押余额中。
（2）交易物交易阶段
S1：标的物是否卖出？如果卖出，则执行步骤S2，否则执行步骤S6；如果标的物卖出，则该交易平台会从买家的交易币余额中划出数额为该标的物等价的交易币，并划入到卖家的交易币余额中；
S2：交易价格>标的物价值的50%？如果为是，执行步骤S3，否则执行步骤S4；
S3：获得超出标的物价值50%部分的交易币划入到该卖家的交易币余额，因为交易平台已经将标的物价值50%支付了卖家，因此，此时只需要将超出标的物价值50%部分的交易币划入到该卖家的交易币余额；而将标的物价值50%部分划入到交易平台的交易币余额中；
S4：该卖家补齐不足50%部分的交易币；因为交易平台已经将标的物价值50%支付了卖家，而该标的物的交易价格低于了标的物价值50%，因此，需要卖家补齐不足50%部分的交易币；
S5：每隔一个月，如果该标的物还没有卖出去，则将标的物价值强制下降标价的10%，即降价销售；
S6：标的物待售时间>=1年？如果是，则执行步骤S7，否则执行S1；
S7：撤回标的物，返还给交易平台抵押标的物价值50%的交易币。即标的物交易失败，因为交易平台已经将标的物价值50%支付了卖家，因此卖家需要返还所获得的交易币；
S8：整个交易过程结束。
优选地，当用户的信用余额小于信用额度的持续时间大于预设时间时，将用户的信用余额和信用额度设为零。
具体运作流程如下：
S1：用户信用额度设定；当用户为个人时，信用额度为当年在交易平台的销售量的一定增幅比值与个人信用额度之和；当用户为企业时，信用额度为当年在交易平台的销售量的一定增幅比值与企业注册资金的一定比值之和；该交易平台会每年依照这个原则对用户的信用额度进行一次调整。
S2：该用户的信用余额<信用额度？信用余额小于信用额度，即代表了该用户使用了其信用额度，即为透支；
S3：到期是否还清？如果为是，则执行步骤S7，否则执行步骤S4；
S4：是否申请延期？如果为是，则执行步骤S5，否则执行步骤S6；
S5：延期到期是否还清？如果为是，则执行步骤S7，否则执行步骤S6；
S6：信用额度归零，失信额度由交易平台补充；即该用户失信了，欠款到期未还（交易平台可使用法律手段对该用户进行追偿）；
S7：即用户准时还款，因此，需要保持该用户的信用额度。
可选地，用户在该平台的信用体系评估也会影响信用额度的增幅。企业失信，企业信用额度为零，企业法人终身信用额度为零；未还款更换法人，现法人信用额度也为零，还款后可恢复现法人信用额度和企业的信用额度；如企业法人不变，企业的信用额度不能恢复。
可选地，该交易平台还可以进行销售合同的交易流程，具体为：
（1）买方提供合同保证金到该平台的交易币余额中；
（2）卖方可提前划走交易币用于采购物品；
（3）完成合同后双方进行确认；
（4）合同保证金全部转入平台中转交易币账户。
可选地，该交易平台还提供分期付款采购物品，如果分期付款者能按期还款，则所采购的物品为购买物；否则就变为抵押交易物，交易平台可对其进行追偿。
可选地，该交易平台还提供养老分期付款服务，具体为：需要接受养老服务的老人将其养老固定资产作为待交易物抵押给该交易平台，且平台会将养老固定资产价值50%的交易币由交易平台每月按比例提供给需要接受养老服务的老人；如果老人死亡，则待交易物变为抵押交易物，由交易平台卖出，卖价高于抵押的差额归还继承人。
可选的，该平台常用计算公式
交易币存量=所有用户交易币余额总额+平台保证金交易币余额+服务费交易币余额；
买方保证金额=交易物价格+交易物价格×1%（设定服务费收取比例）；
平台服务费收取额=交易物价格×（1%+1%）（设定服务费收取比例，买卖双方各1%）；
卖方交易币收入=交易物价格-交易物价格×1%（设定服务费收取比例）；
单个用户每月流通币返还量=[平台收取流通币总额（平台中转银行存款余额）-平台服务费交易币额×交易币与流通币的兑换比]×｛单个用户交易币余额/所有用户交易币余额和｝；
交易币与各国流通币兑换比=中国可比物价/各国可比物价；
可比物价=可比参照物物价每月的平均值；
贸易顺差是跨系统交易币收入>交易币支出；
贸易逆差是跨系统交易币收入<交易币支出；
失信比率=〔抵押划走到期未归还总额+信用划走到期未归还总额〕/〔抵押划走总额+信用划走总额〕；
交易币周期平均存量=全年各月底累计用户账户交易币余额的总量和/12；
可选的，该平台常用专用名词解释
1.物与物的交易，是指在交易平台上，以交易币计价，不通过流通币实现直接交易。交易币不足支付时，也可用流通币按比值来补充差额。
2.债权、债务交易：是指交易平台注册会员双方同意通过该交易平台解决债权、债务关系。债务方把可交易存量资产作为抵押标的可交易物，按抵押标的50%来划走交易平台交易币，用以支付债权方，债权方获得交易币，结束债务关系。债权方可用交易币在交易平台购买所需物品及服务。
3.服务交易是指交易平台提供法律允许的各项服务，用交易币结算。
4.信用交易是指个人和企业在该交易平台，按照交易规则，获取相应的可划走交易币的额度，划走交易币购买所需物品及服务。
5．一般交易物是指在物物交易平台销售的物品，也等同于现有技术网上销售的物品。
6．抵押交易物是指在平台交易的可抵押的物品。
7．可交易物是指可立即变现的物品。
8．待交易物是指购买物抵押分期付款，没有按时还款由待交易物变为抵押交易物，购买抵押物称待交易物，按时还款变为购买物。还有固定资产抵押养老贷款抵押物称待交易物。
9．可生成交易币是指信用额度和抵押额度未划走交易币的余额。
10．已生成交易币是指交易物已经交易产生的交易币余额。
本发明提供了一种运用交易币生成的物物交易平台，在该平台中，买卖双方的交易是以交易币来计价，在交易平台中购买所需物品及服务时用交易币结算，所述交易币为交易度量币、非流通币，与流通币不能直接兑换，只能在交易过程中当交易币不足时，按兑换比补充交易币差额，流通币周期结算时该交易平台收取流通币按币种兑换比返还用户。交易币代替流通币实现物与物的实时交易。
在该交易平台上，交易物须是在国家法律允许的范围之内，对于有价证券（如股票、债券、存单等）和不易立即变现的资产，不能进入该平台交易。
在该平台各子系统的交易中应遵循所属国的法律，跨系统交易应遵循子系统交易双方国的法律，交易币为各子系统通用的交易度量币，接受各子系统交易国的监督。
在本发明中流通币是指一个国家的法定货币。
交易币与流通币的兑换比按各国的物价比计算，与各国的汇率没有关系，交易币与人民币的兑换比为1：1，与其他国家的兑换比按其与中国的物价比计算，物价比参照物每年公开面向该交易平台用户征集，投票确定参照物。各子系统参照物的数量可以不同，但均在平台物价比参照物总目录内，交易币与流通币的兑换比每月计算一次，每月最终确定为交易币与流通币的兑换比在该交易平台进行公布。
交易币总量的规模是由信用额度总量与抵押标的物价值总量的和决定的，交易币的增量大小是由单位时间内交易新发起总量决定的，交易币存量再次交易不影响交易币总存量的变化，进入平台交易的流通币周期内增加的交易币量，周期结算时流通币返还用户，冲减进入该交易平台的流通币增加的交易币量。交易币不是发行产生的，它的存量是由交易量决定的，不受人为因素影响。
交易币总量不会影响市场物价水平，交易币量没有数额限制，交易量有多大、交易币数额就有多大。交易币风险主要是由平台信用用户交易后失信人数及比例决定的，如出现失信的，平台失信总额度由平台收取的交易服务费补充。可选地，失信的比率会影响交易服务费的收取比例。交易币的收取比例根据周期内该子系统的失信比例调整收取幅度，流通币的收取比例由该子系统的逆差、顺差调整收取幅度。平台整体运行是没有风险的，所以交易币运行也是没有风险的。平台交易总的借贷是平衡相等的，运行是平稳的。 交易币是一种非发行币，也是一种非流通币，数字货币具有的优势，交易币全部具备，同时交易币克服了流通币的缺陷，解决了流通币不能解决的问题。在交易过程中可用流通币按兑换比来补充差额，结算时用相同的兑换比返还给用户。 交易币是交易的度量币，来源于交易，又服务于交易。除交易外，任何非交易活动都不能产生交易币，既不能通过计算机计算产生，也不能用流通币购买，更没有一个专门生成交易币的方法，想得到交易币只能在该交易平台交易可交易物品，或是提供服务交易才能产生，回归了交易的本位。 交易币没有借记利息，交易币既是流通币的补充，又可代替流通币实现物与物的实时交易。 本发明也克服了网上物物交易不能实时交易，不能直接获取急需物品，变交换为购物，与网上购物的差别是不用流通币实现网上实时交易，直接盘活了存量资产，可有效地解决企业的债权债务及资金紧张等问题，降低交易成本，刺激消费需求，激发市场活力，用信用为企业再创转机，振兴经济。 显然，上述实施例仅仅是为清楚地说明所作的举例，而并非对实施方式的限定。对于所属领域的普通技术人员来说，在上述说明的基础上还可以做出其它不同形式的变化或变动。这里无需也无法对所有的实施方式予以穷举。而由此所引伸出的显而易见的变化或变动，仍处于本发明创造的保护范围之中。

Claims (15)

  1. 一种运用交易币生成的物物交易平台，包括多个客户端（1）和平台服务器（2），其特征在于：
    所述多个客户端（1）都连接到平台服务器（2）；
    所述平台服务器（2）包括数据库（21）、交易物展示模块（22）和交易结算模块（23）；
    所述数据库（21）存储有所有用户的身份信息和交易物信息；
    所述身份信息包括注册用户的身份识别码、名称、住址、通讯方式；
    所述交易物信息包括实体物品及图片、规格、型号、参数、计量单位、数量、价格，抵押标的物及图片、规格、型号、参数、计量单位、数量、价格，服务项目及计量单位、数量、价格，债权债务人名称和金额；
    交易物展示模块（22）用于获取所述数据库（21）中的用户身份信息和交易物信息、并发送给客户端（1），所述客户端（1）会以预设的方式显示所接收到的信息；
    所述交易结算模块（23）存储有用户交易币账户、平台中转交易币账户和平台服务费交易币账户；所述用户交易币账户包括用户的身份识别码、交易币余额、信用额度、信用余额、抵押额度和抵押余额；所述平台中转交易币账户包括平台所拥有的交易币余额；所述平台服务费交易币账户包括平台服务费交易币余额。
  2. 根据权利要求1所述的物物交易平台，其特征在于：
    所述物物交易平台还包括网银服务器（3）：
    所述网银服务器（3）连接到所述平台服务器（2）；
    所述网银服务器（3）存储有用户流通币账户、平台中转流通币账户、平台服务费流通币账户；所述用户流通币账户存储有该用户的身份识别码；所述平台中转流通币账户存储有该平台的身份识别码、流通币余额，所述平台服务费流通币账户存储有服务费的身份识别码。
  3. 根据权利要求1或2所述的运用交易币生成的物物交易平台，其特征在于，交易结算模块（23）交易币生成规则为：
    所述用户通过抵押可交易资产额在所述交易结算模块（23）生成交易币抵押余额；
    所述用户通过信用额度在所述交易结算模块（23）生成交易币信用余额；
    所述用户通过债权额在所述交易结算模块（23）生成交易币余额；
    所述用户通过流通币按兑换比补充交易币差额，在所述交易结算模块（23）生成交易币余额。
  4. 根据权利要求1-3任一项所述的运用交易币生成的物物交易平台，其特征在于，交易结算模块（23）的交易币交易规则为：
    所述交易币为交易度量币、非流通币，通过交易币参照国与其他国的物价比，在所述交易结算模块（23）生成交易币与其流通币的兑换比，平台设定交易币与交易币参照国的物价比为1：1；交易币与流通币不能直接兑换，只能在交易过程中当交易币不足时，按流通币的兑换比补充交易币差额；流通币周期结算时，物物交易平台收取流通币按币种兑换比返还用户。
  5. 根据权利要求1-4任一项所述的运用交易币生成的物物交易平台，其特征在于，交易结算模块（23）的交易币划走规则为：
    当从用户交易币账户划走第五数额的交易币时，当用户交易币账户的交易币余额大于等于第五数额时，将所述交易币余额划走第五数额；否则从信用余额和抵押余额中划走不足部分；且当信用余额与抵押余额总额仍然不足以支付时，用流通币按兑换比补充差额部分。
  6. 根据权利要求1-5任一项所述的运用交易币生成的物物交易平台，其特征在于，交易结算模块（23）的交易币划入规则为：
    在向用户交易币账户划入第六数额的交易币时，当用户交易币账户中的信用余额、抵押余额总额等于其账户的信用额度、抵押额度总额时，将第六数额划入用户平台交易币余额；否则当信用余额、抵押余额与第六数额之和大于其账户的信用额度、抵押额度总额时，优先补足信用余额和抵押余额不足信用额度和抵押额度总额的部分，且将超过信用额度、抵押额度总额的部分划入到第六用户平台交易币余额。
  7. 根据权利要求1-6任一项所述的运用交易币生成的物物交易平台，其特征在于，所述交易结算模块（23）按照以下步骤来完成买卖双方实体物品的交易：
    步骤一，获取实体物品的价格，并记为第七交易价格；且利用第七交易价格计算出第七交易服务费；
    步骤二，从买方的用户交易币账户中依据所述划走规则，划走数额为第七交易价格与第七交易服务费之和的交易币，划入平台中转交易币账户作为交易保证金；
    步骤三，在该交易完成时，从所述平台中转交易币账户中依据所述划走规则，划走数额为第七交易价格与第七交易服务费之差的交易币，依据所述划入规则划入到卖方用户交易币账户中，将剩余交易保证金划入平台服务费账户中。
  8. 根据权利要求7所述的运用交易币生成的物物交易平台，其特征在于：
    在所述步骤二中，当网银服务器（3）判断出第八身份识别码所对应的用户流通币账户里划出数额为第八数额的流通币到平台中转流通币账户时，网银服务器（3）将第八身份识别码和第八数额发送给交易结算模块（23）；交易结算模块（23）从该用户识别码所对应的用户交易币账户中依据所述划入规则，划入数额为第八数额与兑换比的商的交易币额。
  9. 根据权利要求1-8任一项所述的运用交易币生成的物物交易平台，其特征在于，所述交易结算模块（23）按照以下步骤来完成买卖双方的抵押标的物的交易：
    步骤一，获取第九用户的抵押标的物的价值，记为第九价值；
    步骤二，从平台中转交易币账户中划走数额为第九价值一定比例的交易币，将第九价值一定比例交易币划入到第九用户的交易币账户中作为抵押余额；
    步骤三，抵押物设立降价周期，每周期价格按照一定折扣比例强制降价；当第十用户以第十价值购买走该抵押标的物时，若第十价值大于或等于抵押额度，则第九用户抵押额度变为零，第十价值扣除其对应的第十服务费的差划入第十用户的交易币账户；若第十价值小于抵押额度，则第九用户应按划出规则从第九用户账户中划出抵押额度减去第十价值和第十价值服务费的差额，再按划入规则划入平台中转交易币账户；如果一年到期该标的抵押物仍未交易，则执行步骤四；
    步骤四，从第九用户的用户交易币账户中划走数额为抵押额度交易币，将数额为抵押额度的交易币划入到所述平台中转交易币账户中；该抵押物不能再次抵押。
  10. 根据权利要求1-9任一项所述的运用交易币生成的物物交易平台，其特征在于：
    所述交易结算模块（23）按照以下步骤来完成买卖双方服务项目的交易：
    步骤一，获取服务项目的价格，并记为第十一交易价格；且利用第十一交易价格计算出第十一交易服务费；
    步骤二，在该交易完成时，从买方的用户交易币账户中依据所述划走规则划走数额为第十一交易价格与第十一交易服务费之和的交易币作为交易保证金；
    步骤三，将所述数额为第十一交易价格与第十一交易服务费之差的交易币依据所述划入规则划入到所述卖方的交易币账户中；在该交易完成时，将剩余交易保证金按划入规则划入平台服务费账户中。
  11. 根据权利要求1-10任一项所述的运用交易币生成的物物交易平台，其特征在于：
    所述交易结算模块（23）按照以下步骤来完成用户之间的债权债务的交易：
    步骤一，获取债权、债务的价格，并记为第十二交易价格；且利用第十二交易价格计算出第十二交易服务费；
    步骤二，在该交易完成时，从债务方的用户交易币账户中依据所述划走规则划走数额为第十二交易价格与第十二交易服务费之和的交易币作为交易保证金；
    步骤三，将所述数额为第十二交易价格与第十二交易服务费之差的交易币依据所述划入规则划入到所述债权方的交易币账户中；在该交易完成时，将剩余交易保证金按划入规则划入平台服务费账户中。
  12. 根据权利要求1-11任一项所述的运用交易币生成的物物交易平台，其特征在于：
    第十三用户从交易结算模块（23）划走信用余额时，需在所述数据库（21）放入最低为划走信用额的交易物额、抵押物额或服务项目额；第十三用户从交易结算模块（23）划走抵押余额时，需在所述数据库（21）放入最低为划走抵押余额的交易物额、抵押物额或服务项目额；否则依据所述划入规则从第十三用户交易币账户划走信用额或抵押余额的交易币，划入交易平台中转交易币账户。
  13. 根据权利要求1-12任一项所述的运用交易币生成的物物交易平台，其特征在于：
    所述交易结算模块（23）会计算出每个子系统一个结算周期内平台收取的流通币总额，周期内平台收取的服务费交易币总额，以及结算时第十四用户的交易币余额的总和，并依据下面规则和公式计算出第十四用户的返还流通币额：
    流通币周期按币种子系统单独结算，结算时优先结算平台收取的服务费交易币，将服务费全部按兑换比换为流通币后，剩余的流通币作为第十四价值按兑换比分别结算给平台各用户；
    第十四用户的返还流通币额 = 第十四价值 × （第十四用户交易币余额 / 第十四所有用户的交易币余额的总额）；将所述第十四用户的身份识别码和返还流通币额发送给所述网银服务器（3）；且当所述第十四用户的返还流通币额为正数时，所述网银服务器（3）会从交易平台中转流通币账户划出所述第十四用户的返还流通币额，并划入到所述第十四用户流通币账户。
  14. 根据权利要求1-13任一项所述的运用交易币生成的物物交易平台，其特征在于：
    第十五用户信用额度，周期内在交易平台卖出的所有交易物的累计总额决定下一周期信用额度的增幅，第十五用户信用余额划走后，在预设周期内无法还清的可申请延期；在延期期间，第十五用户抵押余额和信用余额为零，第十五用户交易币余额自动冲抵第十五用户信用余额的划走额度，直至全额还清划走额度后，才可恢复第十五用户信用余额和抵押余额；在延期到期后，第十五用户交易币余额未冲抵第十五用户信用余额划走额，第十五用户交易币信用额度终身为零。
  15. 根据权利要求1-14任一项所述的运用交易币生成的物物交易平台，其特征在于：
    第十六用户划走抵押余额和信用余额记为第十六额度，在周期延期内未依据所述划入规则划入第十六额度，视为失信，从交易结算模块（23）服务费交易币账户划出第十六额度作为物物交易平台补充金，依据所述划入规则划入平台中转交易币账户，此部分交易币额不参与结算，当第十六用户向物物平台划入交易币交易时，自动依据所述划入规则将第十六额度划入交易结算模块（23）服务费交易币账户，以补充之前失信额度。
PCT/CN2016/080334 2016-04-19 2016-04-27 一种运用交易币生成的物物交易平台 WO2017181436A1 (zh)

Priority Applications (4)

Application Number Priority Date Filing Date Title
EP16899023.2A EP3413258A4 (en) 2016-04-19 2016-04-27 PLATFORM FOR NEGOTIATING OBJECTS BASED ON A CURRENCY OF INTERNATIONAL TRADE
US16/079,103 US20200219189A1 (en) 2016-04-19 2016-04-27 JYB-based Barter Transaction Platform
JP2018568474A JP6663051B2 (ja) 2016-04-19 2016-04-27 トークンによるバーター取引プラットフォーム
RU2018132789A RU2018132789A (ru) 2016-04-19 2016-04-27 Бартерная платформа, образовываемая с использованием применяемых символических денег

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201610244498.5 2016-04-19
CN201610244498.5A CN105931101A (zh) 2016-04-19 2016-04-19 一种运用交易币生成的物物交易平台

Publications (1)

Publication Number Publication Date
WO2017181436A1 true WO2017181436A1 (zh) 2017-10-26

Family

ID=56838449

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/080334 WO2017181436A1 (zh) 2016-04-19 2016-04-27 一种运用交易币生成的物物交易平台

Country Status (6)

Country Link
US (1) US20200219189A1 (zh)
EP (1) EP3413258A4 (zh)
JP (1) JP6663051B2 (zh)
CN (1) CN105931101A (zh)
RU (1) RU2018132789A (zh)
WO (1) WO2017181436A1 (zh)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2020021120A (ja) * 2018-07-30 2020-02-06 株式会社 みずほ銀行 トークン取引支援システム、トークン取引支援方法及びトークン取引支援プログラム
CN111512336A (zh) * 2017-10-13 2020-08-07 株式会社原点方案 兑换系统和汇款系统

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107358428B (zh) * 2017-07-25 2021-12-14 广东软秀科技有限公司 一种多终端撮合交易系统
CN108062711A (zh) * 2017-12-12 2018-05-22 深圳市中科维宁科技有限公司 一种资产数字化运营平台的共享运营方法及系统
CN110796559B (zh) * 2018-07-17 2023-05-16 蒲其磊 人脉建立系统
CN109544301A (zh) * 2018-11-26 2019-03-29 河南牧业经济学院 一种基于社交网络的电子商务系统
CN111402049A (zh) * 2020-03-11 2020-07-10 北京价值互联科技有限公司 一种基于区块链抵押交易的挖矿方法

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007016138A2 (en) * 2005-07-29 2007-02-08 Jpmorgan Chase Bank, N.A. Universal line of credit having multiple financial product features
CN103295126A (zh) * 2012-03-02 2013-09-11 刘家焜 可被信任的交易凭证方法
CN104063829A (zh) * 2014-07-02 2014-09-24 孔庆发 基于网上虚拟信用点数的交易方法及其系统
CN104867047A (zh) * 2015-06-16 2015-08-26 长沙明道信息科技有限公司 一种网络交易的方法
CN104899672A (zh) * 2014-06-06 2015-09-09 腾讯科技（深圳）有限公司 物品转移装置、系统及方法
CN105005903A (zh) * 2015-08-04 2015-10-28 胡萍 一种基于兑换物的网络货币及对应的网络系统

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050222961A1 (en) * 2004-04-05 2005-10-06 Philippe Staib System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device
JP5084306B2 (ja) * 2007-03-07 2012-11-28 楽天株式会社 決済システム、決済方法、決済処理サーバ並びにその制御方法及びプログラム
JP2009087091A (ja) * 2007-09-28 2009-04-23 ＳＢＩ Ｒｏｂｏ株式会社 仮想空間提供システム及び仮想空間提供方法
JP2011095944A (ja) * 2009-10-29 2011-05-12 Sbi Holdings Inc 電子商取引管理及び電子決済一体システム及び情報処理装置
JP2011159225A (ja) * 2010-02-03 2011-08-18 Cmd Laboratory Inc 与信取引システム及びその方法
JP6425808B2 (ja) * 2014-07-11 2018-11-21 ロイヤル コーポレイション 取引型および非取引型の商業を奨励する分散型台帳プロトコル

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007016138A2 (en) * 2005-07-29 2007-02-08 Jpmorgan Chase Bank, N.A. Universal line of credit having multiple financial product features
CN103295126A (zh) * 2012-03-02 2013-09-11 刘家焜 可被信任的交易凭证方法
CN104899672A (zh) * 2014-06-06 2015-09-09 腾讯科技（深圳）有限公司 物品转移装置、系统及方法
CN104063829A (zh) * 2014-07-02 2014-09-24 孔庆发 基于网上虚拟信用点数的交易方法及其系统
CN104867047A (zh) * 2015-06-16 2015-08-26 长沙明道信息科技有限公司 一种网络交易的方法
CN105005903A (zh) * 2015-08-04 2015-10-28 胡萍 一种基于兑换物的网络货币及对应的网络系统

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP3413258A4 *

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111512336A (zh) * 2017-10-13 2020-08-07 株式会社原点方案 兑换系统和汇款系统
JP2020021120A (ja) * 2018-07-30 2020-02-06 株式会社 みずほ銀行 トークン取引支援システム、トークン取引支援方法及びトークン取引支援プログラム

Also Published As

Publication number Publication date
CN105931101A (zh) 2016-09-07
RU2018132789A3 (zh) 2020-06-23
JP2019512828A (ja) 2019-05-16
EP3413258A1 (en) 2018-12-12
US20200219189A1 (en) 2020-07-09
EP3413258A4 (en) 2019-07-10
JP6663051B2 (ja) 2020-03-11
RU2018132789A (ru) 2020-03-16

Similar Documents

Publication Publication Date Title
WO2017181436A1 (zh) 一种运用交易币生成的物物交易平台
US7487123B1 (en) Computer-implemented securities trading system with virtual currency and virtual specialist
NZ537587A (en) Automated method and exchange for facilitating settlement of transactions
US20030023498A1 (en) Method of buying and selling goods and services
WO2019017688A1 (ko) 매출채권의 선지급 방법
JP2020035370A (ja) 支払代行装置、決済システム、決済方法、及びプログラム
KR20000054166A (ko) 신용카드 팩토링 서비스 방법 및 신용카드 팩토링 서비스시스템
KR20100054695A (ko) 보안 거래 시스템 및 그 방법
JP2003288485A (ja) 金融システム及び方法並びに金融用プログラム
KR20200131508A (ko) 골프장 캐디피 신용카드 결재 대행 서비스 및 매출 데이터를 활용한 신용대출 시스템
Ainsworth Tackling VAT fraud: Thirteen ways forward
KR102597134B1 (ko) 가상화폐 유통시스템
JP2006119783A (ja) 一括ファクタリング流動化事務代行システム
Legwaila An exposé of the value-added tax muddle in financial services in South Africa
WO2018199586A1 (ko) 부동산 공동풀 서비스 시스템 및 방법
KR20010081876A (ko) 인터넷 전자상거래용 전자적 수표 지불시스템
Mansoor Hamish Jiddiyyah and Arboun-Shariah, Regulatory, Accounting & Risk Management Perspective
JP2003030562A (ja) 有価証券購入システム及び購入方法
KR20090120530A (ko) 부동산 중개 수수료로 사용되는 상품권을 유통시키는 방법및 이를 위한 시스템
WO2009157722A2 (ko) 역경매 방법
KR20010077164A (ko) 인터넷 상거래에 있어서의 결제방법
JP2022101256A (ja) 預貯金通帳を利用した無担保ファンディングシステム
NW SECURITIES EXCHANGE ACT OF
TWI436296B (zh) Credit Account Management Method and System
Ainsworth MTIC (Carousel) Fraud: Twelve Ways Forward; Two Ways' Preferred'-Has the Technology-Based Administrative Solution Been Rejected?

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 2016899023

Country of ref document: EP

ENP Entry into the national phase

Ref document number: 2016899023

Country of ref document: EP

Effective date: 20180905

ENP Entry into the national phase

Ref document number: 2018568474

Country of ref document: JP

Kind code of ref document: A

NENP Non-entry into the national phase

Ref country code: DE

121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 16899023

Country of ref document: EP

Kind code of ref document: A1