WO2021047364A1 - 一种可质付网上交易系统和方法 - Google Patents

一种可质付网上交易系统和方法 Download PDF

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Publication number
WO2021047364A1
WO2021047364A1 PCT/CN2020/110225 CN2020110225W WO2021047364A1 WO 2021047364 A1 WO2021047364 A1 WO 2021047364A1 CN 2020110225 W CN2020110225 W CN 2020110225W WO 2021047364 A1 WO2021047364 A1 WO 2021047364A1
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Prior art keywords
payment
pledgeable
qualitable
transaction
online transaction
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PCT/CN2020/110225
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English (en)
French (fr)
Inventor
赵汕可
赵春雨
Original Assignee
赵汕可
赵春雨
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Application filed by 赵汕可, 赵春雨 filed Critical 赵汕可
Priority to AU2020346190A priority Critical patent/AU2020346190A1/en
Priority to GB2205210.4A priority patent/GB2603406A/en
Publication of WO2021047364A1 publication Critical patent/WO2021047364A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—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

Definitions

  • the invention relates to the field of online transactions, in particular to a system and method for online transactions that can be pledged.
  • online transactions can be divided into two categories: one is online transactions that use electronic currency recognized or issued by the state (also known as legal tender or electronic cash) as a payment tool, and the other is online transactions
  • Electronic tokens also known as virtual currencies or digital tokens
  • payment platform providers are online transactions of payment tools.
  • the main problems in online transactions that use electronic money as payment tools are: 1. Online payment security risks. Electronic money and online transaction payment accounts (also known as electronic accounts or electronic wallets) inherently have physical inseparable defects. The innate dependence of electronic money on electronic accounts, in addition, the instant transfer of electronic money based on national credit The payment attribute makes the electronic money deposited in the electronic account of online transaction users face the risk of being stolen or embezzled by cyber criminals at all times because the cyber crime prevention technology lags behind the cyber crime technology; 2. The risk of online transaction protection. Electronic money inherently has one-way unilateral protection defects, which makes it difficult to protect the interests of the active transaction party.
  • the payer may face failure to receive the goods after paying for the goods.
  • the goods received are not purchased goods or there is a risk of counterfeit and inferior goods;
  • the consignor in the online transaction mode of cash on delivery, the consignor (payee) may face failure to receive the payment or failure to receive the goods after sending the goods. The risk of reaching the full payment.
  • the main problems of online transactions using electronic tokens as payment tools are: 1.
  • the electronic tokens themselves lack legitimacy. No matter what name the electronic tokens are sold under, and regardless of the scope of their sale, they are inevitably suspected of replacing legal currency as a means of circulation in the Internet field. This is unacceptable by the laws of any sovereign country; 2 , The transaction risk is huge.
  • the sellers of electronic tokens have different good and bad reputations, and there are many differences in reputation. There are many illegal financing in the name of selling electronic tokens. Moreover, once the electronic token seller fails to invest or runs away with money, the purchaser will lose all the money. Return.
  • the present invention provides an online transaction system and method for qualitative payment.
  • a qualitable payment online transaction system includes: seller member terminal electronic equipment, seller member communication equipment, seller member terminal quality payment online transaction system, buyer member terminal electronic equipment, and buyer Member communication equipment, buyer member-side quality payment online transaction system, quality payment platform and quality payment platform-side quality payment online transaction system.
  • This system is a generalized quality payment online transaction system, which is connected through an interconnection network
  • the seller’s member-side electronic equipment and the buyer’s member-side electronic equipment are collectively referred to as member-side electronic equipment; the seller’s member communication equipment and the buyer’s member communication equipment are collectively referred to as member communication equipment; the seller’s member-side can pay for online transactions
  • the system and the online transaction system that can be paid on the member side of the buyer are collectively referred to as the online transaction system that can be paid on the member side;
  • the electronic equipment on the member side, the communication equipment of the member and the online transaction system that can be paid on the member side are collectively called the member side;
  • the member side of the seller Electronic equipment, seller’s member communication equipment, and seller’s member-side qualitative payment online transaction system are collectively referred to as seller’s member’s side, and the buyer’s member-side electronic equipment, buyer’s member communication device and buyer’s member-side qualitative payment online transaction system are collectively referred to as seller’s
  • the member-side electronic equipment is equipped with a member-side qualitable payment online transaction system, which is used to log in to the qualitable payment platform, and engage in qualitable payment online transactions and related activities through the qualitative payment platform;
  • the member communication equipment includes: main communication equipment and backup communication equipment, which are used to communicate with the qualitable payment platform for member identification information and qualitable payment identification information verification communication and qualitable payment transaction communication; the backup communication equipment is also used in Receive information change or abnormal transaction reminders when the member registration authentication information or/and the binding information of the pledgeable account changes or abnormal transactions occur, and handle the changed information or abnormal transactions;
  • the seller member terminal is used for seller members to perform seller membership registration certification, store certification, and goods quality certification, purchase qualitable electronic coins, log in to the qualitative payment platform, and conduct qualitative payment online transactions, etc.;
  • the buyer member terminal is used for buyer members to perform buyer membership registration certification, charity sale items filing, purchase qualitable electronic coins, log in to the qualitative payment platform, and conduct qualitative payment online transactions, etc.;
  • the member-side qualitable payment online transaction system is used to connect to the qualitable payment platform-side qualitable payment online transaction system, and is used to send, receive, store and process qualitable payment online transaction data messages, and purchase qualitable payment electronic coins, Log in to the qualitable payment platform to conduct qualitative payment online transactions, etc.; including: member management module, used for member registration authentication, opening member permissions, storing, verifying and maintaining member information and member identification information, and querying public information of registered members, etc.;
  • the pledgeable payment management module is used for members to open a pledgeable account, purchase, store, receive and settle pledgeable electronic currency, issue or sign for pledgeable coupons, and process pledgeable acceptance redemption, redemption payment or transfer Qualitative payment, storing, verifying and maintaining qualifiable electronic currency information, membership qualitative payment information and member qualitative payment identification information, and also used to cut off the path of theft of electronic cash, etc.; store management module/yishop management module, used for Seller members handle store certification, goods quality certification, record for charity sale, accept
  • the qualitable payment platform is the general term for the electronic equipment and communication equipment on the qualitable payment platform end.
  • the qualitable payment platform end qualitable payment online transaction system is installed for receiving, storing, processing and Send qualitable online transaction data messages and communication information, and provide qualitable electronic currency purchase and sale, storage, receipt and payment, undertaking, redemption payment and settlement services;
  • the qualitable payment platform-side qualitable payment online transaction system Including: member management module, used to provide review, supervision and services for member registration and authentication, opening member permissions, querying public information of registered members, etc., and used to store, verify and maintain member information and member identification information; quality payment management Module, used to open a pledgeable account for members, purchase, deposit, collect and settle pledgeable electronic currency, issue or sign for pledgeable ticket, handle pledgeable acceptance, redemption payment or transfer payment, etc.
  • Dispute management module used for members to apply for qualitable payment online transaction dispute arbitration, deal with qualitable payment online transaction disputes, select expert consultants and appoint one’s own adjudicator, and execute qualitable payment Effective rulings or applications can be pledged to provide review, supervision and services for the execution of effective rulings and advance compensation, etc., and are also used to assist in the execution of effective legal documents with enforceable content by relevant judicial departments and administrative departments; after-sales management module is used for Provide review, supervision and service for members to provide or accept after-sales service of qualitable online transactions; evaluation management module is used to provide review, supervision and service for members to conduct qualitable online transaction evaluation.
  • the online transaction system for quality payment on the member side and the online transaction system for payment on the quality payment platform are collectively referred to as the online transaction system for quality payment.
  • This system is a narrowly defined online transaction system that connects the member side and the quality payment platform. Used for members to purchase qualitable payment electronic currency, log in to the qualitable payment platform, conduct qualitative payment online transactions, etc., and for members to purchase qualitable payment electronic currency, log in to the qualitable payment platform, conduct qualitable payment online transactions, etc. to provide review, Supervision and service.
  • the dispute management module also includes: a pledgeable payment report loss reminder sub-module for members to apply for pledgeable electronic currency to report loss, recover stolen or lost pledgeable electronic currency, and apply for pledgeable payment for members Electronic currency report loss, recovery of stolen or lost qualifiable electronic currency, etc.
  • the qualifiable payment report loss reminder sub-module includes: the member-side qualitable payment report loss reminder submodule and the qualifiable payment platform
  • the member-side qualitable payment report loss reminder sub-module includes: the seller member side qualitable payment report loss reminder sub-module and the buyer member side qualitative payment report loss reminder sub-module.
  • the sub-module of the payment platform can report the failure of the payment report;
  • the sub-module of guaranty and guaranty is used for members to apply for guaranty of guaranty and/or to provide guaranty of guaranty, etc., and to provide review for members to apply for guaranty of guaranty and/or provide guaranty of guaranty, etc. , Supervision and service, and also used to take the measures of guaranteeable guarantee and/or guaranteeable guarantee, etc.
  • the said pledgeable property And guarantee sub-modules including: member-side quality payment protection and guarantee sub-module and quality payment platform-side quality payment protection and guarantee sub-module; the member-side quality payment protection and guarantee sub-module, including: seller member terminal The quality payment preservation and guarantee sub-module and the buyer member end quality payment preservation and guarantee sub-module, and the quality payment platform end can be the quality payment preservation and guarantee sub-module;
  • Pledgeable effective ruling tracking sub-module used for members to execute pledgeable effective rulings or apply for pledgeable effective rulings execution and advance compensation, etc., and for members to execute pledgeable effective rulings or apply for pledgeable effective rulings and executions. The provision of review, supervision and services for advance compensation, etc.
  • the said sub-module of the effective ruling tracking sub-module of the pledgeable payment includes: the member-side pledgeable payment The effective ruling tracking sub-module and the qualitable payment effective ruling tracking sub-module on the qualitative payment platform;
  • the member-side qualifying effective ruling tracking sub-module includes: the seller member side qualitable effective ruling tracking sub-module and the buyer member The qualitative payment effective ruling tracking sub-module can be paid on the end, and the qualifiable payment platform can be qualitable effective ruling tracking sub-module on the end.
  • a qualitable online transaction method includes the following steps:
  • Step A Preparation steps for online transactions that can be paid
  • Step B The online transaction steps can be paid.
  • the steps of preparing the online transaction for qualitative payment include:
  • Step A1 Log in to the online transaction system that can be paid on the member terminal, complete the registration authentication, and obtain the registered membership qualification;
  • Step A2 Open a qualitable payment account, purchase qualitable electronic currency, and recharge the qualitable payment account; registered members who have not signed a two-way multilateral guarantee agreement for qualitable payment, need to sign a qualitable payment for the first time to purchase a qualitable electronic currency Two-way multilateral guarantee agreement;
  • Step A3 The seller member will price the goods in legal currency and mark the price in pledgeable electronic money; the buyer member will select the goods.
  • the steps of online transaction with qualitative payment include:
  • Step B1 The buyer member places a pledgeable order, and the seller member accepts the pledgeable order;
  • Step B2 After the seller member accepts the pledgeable order, the buyer member pays the seller member the pledgeable electronic currency according to a certain percentage of the purchase price according to the agreement, and pays the deposit in the form of pledgeable payment;
  • Seller members receive a pledgeable deposit; registered members who have not signed a pledgeable two-way multilateral guarantee agreement, for the first time to receive a pledgeable electronic currency, need to sign a pledgeable two-way multilateral guarantee agreement.
  • Step B3 After receiving the deposit, the seller member sends the goods; after the goods are delivered, the buyer member receives the goods;
  • Step B4 After receiving the goods, the buyer member pays the seller member the final payment; the seller member collects the final payment;
  • Step B5 The seller member submits the pledgeable payment transaction record and other reminders to the pledgeable payment platform to redeem the payment;
  • the pledgeable payment platform After receiving the reminder of the redemption payment, the pledgeable payment platform will conduct a review of the pledgeable redemption payment; after the review is passed, it will pay the consideration redemption payment to the seller member on the due date and redeem the pledgeable electronic currency.
  • Step B6 The seller member confirms the receipt of the consideration redemption payment, and the online transaction for pledge payment ends; if the seller member uses the pledgeable electronic currency collected for a new payment transaction, the online transaction for pledge payment will be processed automatically.
  • Step B7 After-sales service steps can be paid
  • Step B8 The evaluation step of qualitable members
  • the above pledgeable online transaction step is a pledgeable deposit transaction step.
  • the pledgeable deposit is zero, the pledgeable deposit transaction is transformed into a pledgeable cash on delivery transaction; when the pledgeable deposit is equal to the pledgeable deposit
  • the pledgeable deposit transaction is transformed into a pledgeable payment to delivery transaction; when the cash value of the pledgeable deposit exceeds the legal deposit maximum limit or is lower than the legal deposit minimum limit (if any), or loses
  • the pledgeable deposit transaction is transformed into the pledgeable advance payment transaction, the pledgeable installment payment transaction, etc.
  • the pledgeable online transaction is a new type of online transaction that uses a pledgeable electronic currency with a pledge payment function as a pledge material to pledge payment for goods, referred to as pledgeable transaction or pledgeable payment; the pledgeable payment means It is a new type of online transaction and a new type of online transaction payment method.
  • the buyer member purchases the pledgeable electronic currency from the pledgeable payment platform, and is redeemed, authorized or permitted by the pledgeable payment platform, with all or part of the pledgeable electronic currency purchased or received as the pledge Payment of goods, pledge to the seller member to pay all or part of the payment, and promise or entrust the pledgeable platform to redeem the payment to the seller member conditionally within the specified period;
  • the seller member accepts the buyer member to pledge the pledgeable electronic currency Pledge payment for the goods, and apply to the buyer member or the pledgeable platform for redemption payment when the conditions are met;
  • the pledgeable platform according to a certain ratio of legal currency and pledgeable electronic currency, sells to the buyer member
  • the pledged electronic currency promises to conditionally expire the redemption payment within the specified time limit, and when the conditions are met, pay the redemption payment to the currency holders on the maturity date according to a certain ratio of the pledgeable electronic currency to the legal tender. Electronic money can be paid in quality.
  • the pledgeable online transaction can be divided into the optical currency pledgeable transaction and the warrant pledgeable transaction.
  • the optical currency pledgeable transaction refers to only the pledgeable electronic currency. Pledgeable payment transactions in which the payment of goods is pledged; light coins can be pledged transactions, and the pledgeable electronic money does not need to be used with the pledgeable warrant. It is anonymous, also known as an anonymous pledgeable transaction; the warrants can be pledged.
  • Transaction refers to a pledgeable payment transaction in which the pledgeable electronic currency must be used together with the pledgeable warrant that records the pledgeable electronic currency; the warrant can be pledged transaction, and the pledgeable warrant records the information of the pledgeable right holder, also known as Registered and pledgeable transactions; according to the different pledgeable documents attached to the pledgeable warrants, warrant pledgeable transactions are divided into documentary pledgeable transactions and documentary pledgeable transactions; the documentary pledgeable transactions , Also known as single currency pledgeable transaction means that the pledgeable electronic currency must be used together with the pledgeable warrant that records the pledgeable electronic currency, and the pledgeable documents attached to the pledgeable warrant are not limited to the pledgeable right
  • the pledgeable payment transaction of the ticket; the pledgeable payment transaction of the document, and the pledgeable warrant can be used only after being prompted to redeem and obtain the pledgeable payment platform.
  • the said ticket can be pledged Payment transaction, also called bill currency pledgeable transaction, means that the pledgeable electronic currency must be used together with the pledgeable payment warrant that records the pledgeable electronic currency, and the pledgeable payment document attached to the pledgeable warrant is limited to the pledgeable payment certificate.
  • the pledgeable payment transaction of the payment ticket, the pledgeable payment transaction of the follow-up ticket is a special transaction that can be pledged; the pledged payment transaction of the follow-up ticket can obtain the pledgeable payment platform acceptance without prompting the pledge. It is also known as fast and qualitative payment transactions.
  • the broadly defined fast and qualitable payment transactions include light currency qualitative payment transactions, and the narrowly defined fast and qualitable payment transactions only refer to the transaction that can be qualitatively paid for bills;
  • the real ticket can be pledged transaction also known as real currency pledgeable payment transaction, refers to the pledgeable payment purchased by the first payment method
  • Electronic currency is a pledgeable payment transaction that is a pledged material to pledge payment for goods
  • real-currency pledgeable transactions are not limited to actual transactions that can be pledged, but also include light coin pledgeable transactions, etc.
  • the letter-ticket pledgeable transaction also known as credit pledgeable transaction or credit coin pledgeable transaction means that the pledgeable electronic currency purchased in the future payment method is the pledged material pledged payment transaction; according to the different sources of the pledgeable electronic currency, Pledgeable online transactions can also be divided into pledged payment transactions, sub-qualified payment transactions, and mixed pledgeable payment transactions.
  • the pledged payment transaction refers to a pledgeable payment transaction in which the purchased pledgeable electronic currency is used as the pledged material for the payment of goods. ; Pledgeable payment transactions that use the collected anonymous pledgeable electronic currency as the pledged material to pledge payment for the purchase price are regarded as pledged payment transactions.
  • the narrowly defined pledgeable payment transaction only refers to the pledged payment transaction. Among them, the name of a single purchase can be pledged
  • the payment electronic currency is divided into several parts, and a pledgeable payment transaction that uses one of them as the pledged material to pay the purchase price is called a partial pledge transaction; the said transfer payment transaction refers to the registered registered pledgeable electronic currency that is collected as the pledged material Pledgeable payment transactions for the payment of goods.
  • the registered and pledgeable electronic currency collected in a single time is divided into several parts, and the pledgeable payment transaction that uses one of them as the pledged material to pay the goods is called partial transfer payment.
  • the hybrid pledgeable payment transaction refers to the pledgeable payment transaction that uses the purchased and received pledgeable electronic as the pledged material to pledge payment for the goods.
  • the mixed pledgeable payment transaction also includes, but is not limited to, different types of pledgeable electronic currency Pledgeable payment transactions in which the payment of goods is pledged for pledged materials; broadly qualitable online transactions include pledged payment transactions, sub-pledged payment transactions and mixed pledgeable payment transactions; according to the different entities of the pledgeable electronic currency redemption payment, the pledgeable payment Payment online transactions can also be divided into self-redeemable and pledgeable transactions and entrusted and pledgeable transactions; the self-redeemable and pledgeable transactions refer to buyer members using pledgeable electronic currency as a pledge to pay for the goods, and they promise to have conditions on their own Pledgeable payment transactions for redemption payments at maturity; the said pledged and pledgeable transactions refer to the buyer member using the pledgeable electronic currency as the pledged material to pay for the goods, and entrust the pledgeable platform to conditionally redeem the payment at maturity; the qualitable payment online transaction also includes the negotiation and qualitable payment transaction, the negotiation and qualitable payment transaction refers to the periodical redemption payment countdown
  • the method may further include a arbitration step of a pledgeable online transaction dispute, and the arbitration step of a pledgeable online transaction dispute includes:
  • Step C1 Application for arbitration of qualitable online transaction disputes and acceptance; if the member in dispute does not apply for guaranty of guaranty and provides guarantee for guaranty and guaranty, the submitted application for arbitration of qualitable online transaction will trigger the The guarantee sub-module starts the procedures for the preservation and guarantee of the pledgeable property; if the disputed member applies for the preservation of the pledgeable property and provides a guarantee for the pledgeable property, the pledgeable platform accepts the application for arbitration of the pledgeable online transaction dispute;
  • Step C2 Dispute judgment on online transaction can be paid
  • Step C3 Pledgeable online transaction dispute ruling review; Pledgeable online transaction dispute review rulings and pledgeable online transaction dispute rulings that have not applied for review within the specified time limit are both valid pledgeable rulings or pledgeable Payment of the effective award; once the pledgeable award becomes effective, trigger the sub-module of the pledgeable effective ruling tracking sub-module to start the tracking procedure of the pledgeable effective ruling;
  • Step C4 Pledgeable online transaction dispute arbitration review; Pledgeable payment review does not stop the execution of the pledgeable payment effective ruling, nor does it change the result of the pledgeable payment effective ruling.
  • the method may further include the steps of execution of the pledgeable effective judgment and advance compensation, and the steps of the execution of the pledgeable effective judgment and advance compensation include:
  • Step D1 The application and acceptance of the qualitative payment effective ruling execution and advance compensation
  • Step D2 Determine the total amount of the pledgeable execution payment and the total amount of the pledgeable advance payment
  • Step D3 Pay the applicant a pledgeable first indemnity money, recover the pledgeable first indemnity loss from the respondent, and execute the pledged payment difference (if any); all the pledgeable first indemnity losses are recovered and the The execution of the pledge payment has been fully executed, and the execution of the pledge may take effect and the execution of the first compensation ends.
  • the online transaction system and method for qualitable payment has the following technical advantages: First, the safety and legality of online transactions are guaranteed.
  • the present invention uses a qualitable payment electronic currency that has a two-way multilateral guarantee function and legality as an online transaction.
  • the transaction payment tool not only solves the problem of electronic money being stolen and misappropriated, but also solves the problem of one-way unilateral protection of electronic money and the legality of electronic tokens.
  • qualitable electronic money is a quality with a two-way multilateral guarantee function. Payments are a special object of real rights for security.
  • online transactions that can be pledged are denominated in legal tender, which protects legal tender in the Internet field. Authority as a statutory payment and settlement tool.
  • online transactions are convenient, fast, and fully compatible. For small-value online transactions, you can choose light currency to pay for the transaction, which is as convenient as using change; for general online transactions, you can choose to pay for the ticket and to pay for the transaction, which is as fast as a bill of exchange that pays at sight ; Large-value online transactions can choose single-currency pledgeable transactions, which are regulated like documentary credits; members who open communications with pledgeable payment authority can also choose credit-credit pledgeable transactions for later payment methods.
  • the present invention also Compatible with electronic cash transactions, third-party payment transactions, etc., respect and assist in the implementation of effective legal documents with enforceable content from relevant judicial and administrative departments.
  • Fig. 1 shows a schematic diagram of the architecture and main flow of the online transaction system for quality payment provided by an embodiment of the present invention.
  • Fig. 2 shows a schematic diagram of the process of preparing an online transaction for qualitative payment according to an embodiment of the present invention.
  • Fig. 3 shows a schematic diagram of the process of online transaction of qualitative payment provided by an embodiment of the present invention.
  • FIG. 4 shows a schematic diagram of the process of arbitrating disputes on online transactions with qualitative payment according to an embodiment of the present invention.
  • FIG. 5 shows a schematic diagram of the process of the implementation of the qualitable advance compensation and the execution of the effective ruling provided by the embodiment of the present invention.
  • the online transaction system for qualitative payment includes: seller member terminal electronic equipment 1, seller member communication equipment 2, seller member terminal qualitative payment online transaction system 3, buyer member terminal electronic equipment 4, buyer member communication equipment 5.
  • the seller’s member-side electronic device 1 and the buyer’s member-side electronic device 4 are collectively referred to as member-side electronic equipment 1/4;
  • the seller’s member communication device 2 and the buyer’s member communication device 5 are collectively referred to as member communication equipment 2/5;
  • the online transaction system 3 on the seller’s member side and the online transaction system 6 on the buyer’s member side are collectively referred to as the online transaction system 3/6; the electronic equipment on the member side 1/4, and the communication device 2 on the member side.
  • the member-side quality payment online transaction system 3/6 are collectively referred to as the member side 1/2/3/4/5/6; the member-side quality payment online transaction system 3/6 and the quality payment platform-side quality payment online
  • the transaction system 8 is collectively referred to as the qualitable payment online transaction system 3/6/8, which is a narrowly defined qualitable payment online transaction system; unless otherwise specified, the qualitable payment online transaction system referred to in the present invention refers to a broadly qualitable payment Online trading system; among them,
  • the member-side electronic equipment 1/4 installs the member-side qualitable payment online transaction system 3/6, which is used to log in to the qualitable payment platform, and engage in qualitable payment online transactions and related activities through the qualitable payment platform;
  • the member-side electronic The equipment includes, but is not limited to, computers, televisions, telephones and fixed, mobile, portable or wearable electronic equipment such as on-board, ship-borne, and airborne with online transaction functions, and is not limited to member-owned electronic equipment, quality payment platforms, and Special electronic equipment or self-service electronic equipment provided by a third party authorized or licensed by the quality payment platform;
  • the member communication equipment 2/5 includes: the main communication equipment 21/51 and the backup communication equipment 22/52, which are used to verify the communication of the member identification information and the qualitable payment identification information and the qualitable payment transaction with the qualitable payment platform Communication, standby communication equipment is also used to receive information changes or abnormal transaction reminders when member registration authentication information or/and pledgeable account binding information changes or abnormal transactions occur, and process change information or abnormal transactions; the member communication equipment Including but not limited to mobile phones, telephones, emails and other communication devices that can provide instant messaging services such as text, audio or video;
  • the online transaction system 3/6 that can be paid on the member side includes: a member management module 31/61, used for member registration authentication, opening member permissions, storing, verifying and maintaining member information and member identification information, and inquiring about the publicity of registered members Information, etc.; the pledgeable payment management module 32/62, used for members to open a pledgeable account, purchase, deposit, receive and settle pledgeable electronic currency, issue or sign for pledgeable tickets, and handle pledgeable payment redemption , Redemption payment or transfer payment, storage, verification and maintenance of pledgeable electronic currency information, member pledgeable payment information and member pledgeable payment identification information, and also used to cut off the path of electronic cash theft, etc.; store management module 33/ The free shop management module 63 is used for seller members to handle shop certification, goods quality certification, charity sale items filing, accept or place pledgeable purchase orders or pledgeable charity sale orders, store and maintain store and goods information, or for buyer members Carrying out the filing of charity sale items, placing purchase orders, accepting or placing purchase purchase orders, storing and maintaining charity store and charity sale item information, handling charity
  • the qualitable payment platform 7, the qualitative payment online transaction platform, is the general term for the electronic equipment and communication equipment of the qualitable payment platform.
  • the qualitable payment platform-side qualitable online transaction system 8 is installed for receiving, storing, Process and send qualifiable online transaction data messages and communication information, and provide qualifiable electronic currency purchase and sale, storage, receipt and payment, undertaking, redemption payment and settlement services; the qualifiable payment platform is in the existing interconnection network On the basis of technology and computer technology and keeping pace with the times, an integrated online transaction payment system developed or commissioned by the inventor with registration, authentication, transaction, payment, settlement, adjudication, execution, communication and other functions; a qualitable payment platform affiliated to the guaranty payment platform provider, and the guaranty payment platform provider or its authorized or licensed professional organization provides management, operation, security and other services; the guaranty payment platform provider sets up as needed, including but not limited to Payment Registration Certification Center, Pledgeable Payment Recharge Settlement Center, Pledgeable Payment Dispute Arbitration Center and other
  • the qualitable payment platform-side qualitable payment online transaction system 8 includes: a member management module 81, which is used to provide review, supervision and services for member registration and authentication, opening member permissions, querying public information of registered members, etc., and for storing, Verify and maintain member information and member identification information; the pledgeable payment management module 82 is used to open a pledgeable account for members, purchase, store, receive, and settle pledgeable electronic currencies, and issue or sign for pledgeable tickets , Provide review, supervision and services for pledgeable undertaking, redemption payment or transfer payment, storage, verification and maintenance of pledgeable electronic currency information, member pledgeable payment information and member pledgeable payment identification information, and used For the pledgeable and guaranteed property, the pledgeable and pledgeable property and/or the pledgeable and guaranteed property that adopts the measures of pledgeable preservation or guarantee, the pledgeable pre-freezing, freezing or releasing the pledgeable pre-freezing and freezing measures shall be taken simultaneously, etc., It is also used to cut off the path of theft of electronic cash; the store management module (Yi shop management module
  • Department s effective legal documents with compulsory content
  • after-sales management module 85 used to provide review, supervision and service for members to provide or accept qualitative online transaction after-sales services
  • evaluation management module 86 used to provide members with Quality payment online transaction evaluation, etc. provide review, supervision and services.
  • the dispute management module 34/64/84 also includes:
  • the sub-module 341/641/841 for the qualitable payment reporting failure notification sub-module 341/641/841 includes: the member-side qualitable payment reporting loss notification sub-module 341/641 and the qualitable payment platform terminal can be qualitable Loss payment reminder sub-module 841; the member-side qualitative payment report loss reminder sub-modules 341/641, including: the seller’s member side qualitable payment report loss reminder sub-module 341 and the buyer’s member side qualitative payment report loss reminder sub-module 641, with Apply for the pledgeable electronic currency to report the loss of the member, and recover the stolen or lost pledgeable electronic currency; the pledgeable payment platform end of the pledgeable payment reporting loss reminder sub-module 841 is used to apply for the pledgeable electronic currency for the member to report the loss , Recover stolen or lost qualifiable electronic currency, etc. to provide review, supervision and services;
  • the ruling tracking sub-module 643 is used for members to execute the pledgeable and effective rulings or to apply for the execution of the pledgeable and effective rulings and compensation in advance;
  • the pledgeable and effective ruling tracking sub-module 843 on the pledgeable payment platform is used for members Provide review, supervision and services such as the implementation of a pledgeable effective ruling or application for the execution of a pledgeable effective ruling and advance compensation, etc. It is also used to assist in the execution of effective legal documents of relevant judicial and administrative departments with enforceable content.
  • the method includes a preparation step of a pledgeable online transaction, and the preparation step of a pledgeable online transaction includes:
  • Step A1 Potential members use 1/4 of the electronic equipment on the member side, through the Internet and other interconnected networks, log in to the member-side premium payment online transaction system 3/6, complete the registration authentication, and obtain the registered membership; among them, obtain the seller’s membership registration. Qualifications, store certification and goods quality certification must be completed; the potential members refer to natural persons, legal persons, or legal persons who intend to accept or have accepted the pledgeable membership charter and pledgeable rules, have not yet registered, or have registered but have not yet obtained registered membership qualifications. Unincorporated organization; the registered member refers to the potential member who has obtained the registered membership. Except for the registration certification or transaction, the registered member is presumed to have the corresponding civil capacity in compliance with the law of the place of registration or transaction. .
  • Member terminal electronic equipment 1/4 does not have the member terminal qualitative payment online transaction system 3/6, through the qualitable payment platform or its authorized or licensed member terminal qualitative payment online transaction system download terminal, download and install the member terminal Quality payment online transaction system; potential members can also purchase electronic equipment terminal products that are authorized or licensed by the quality payment platform or the quality payment platform provider and pre-installed with the member end payment online transaction system, etc., to obtain membership approval Quality payment online transaction system.
  • Step A2 Registered members open a qualitable payment account through the 3/6 qualitable payment management module 32/62 of the member-side qualitable payment online transaction system; the qualitable payment platform 7 opens a basic qualitable account for registered members, and Open the authority of pledged and redeemable members; if the registered member is a legal person or an unincorporated organization, and its legal representative or responsible person has opened a pledgeable account, the legal representative or responsible person shall open a basic personal account that can be pledged , And open the authority for pledge and redemption; the pledgeable accounts can be divided into personal accounts that can be pledged and unit accounts that can be pledged according to different entities. According to the different types of pledgeable electronic currencies, they can be divided into pledgeable accounts.
  • Gold coin accounts that can be pledged silver coins can be pledged, copper coins can be pledged, iron coins can be pledged, and tin coins can be pledged accounts. According to different purposes, they can be divided into basic accounts that can be pledged and special accounts that can be pledged. According to whether it is registered or not, it can be divided into a registered account that can be pledged and an anonymous account that can be pledged. According to different ways of purchasing coins, it can be divided into a real currency account that can be pledged and a credit currency account that can be pledged. Pledgeable credit currency accounts, also known as pledgeable credit accounts, can be divided into local currency accounts that can be pledged and foreign currency accounts that can be pledged according to the legal currency used as the basis for pricing.
  • the member rights include pledgeable transactions and Member rights such as pledge payment, among which, the membership rights of pledge payment transactions are not limited to pledge payment (single currency payment can be pledged), but also include anonymous payment payment (single currency payment can be pledged), fast payment payment (tickets can be pledged) (Credit can be pledged), credit can be pledged (credit can be pledged), partial payment, sub-qualification, partial sub-qualification, self-redemption can be pledged, negotiation can be pledged, electronic cash payment, third-party payment, etc. Membership permissions.
  • the membership rights of pledge payment transactions are not limited to pledge payment (single currency payment can be pledged), but also include anonymous payment payment (single currency payment can be pledged), fast payment payment (tickets can be pledged) (Credit can be pledged), credit can be pledged (credit can be pledged), partial payment, sub-qualification, partial sub-qualification, self-redemption can be pledged, negotiation can be pledged, electronic cash payment, third-party payment, etc. Membership permissions.
  • a certain ratio can be exchanged into a certain type and amount of qualitable electronic currency.
  • 1 RMB will be converted into one Baitao Tongbao silver coin according to the 1:1 ratio of RMB to Baitao Tongbao silver coin, and it can be qualitative through the quality payment platform.
  • the quality payment management module 82 of the online transaction system 8 deposits the credit-purchasing member's quality payment account to realize the recharge of the quality payment account;
  • the quality payment electronic currency is not limited to Baitao Tongbao silver coins, but also includes Baitao Tongbao gold coins, Baitaotongbao copper coins, Baitaotongbao iron coins, Baitaotongbao tin coins and other Baitaotong treasure coins, as well as other digital products with pledge payment function.
  • Registered members can also use online or offline payment methods to directly pay deposit fees to the bank receiving account designated by the qualitable payment platform, purchase qualitable electronic currency, and then log in to the member’s qualitable online transaction system 3/6
  • the quality payment management module 32/62 can recharge the quality payment account by itself; it can also be purchased through methods including but not limited to processing quality payment membership cards, co-branded cards, credit cards, or purchasing quality payment shopping cards, rechargeable cards, etc.
  • the pledged electronic currency is used to recharge the pledgeable account; unless otherwise specified, the pledgeable electronic currency referred to in the present invention refers to the pledgeable silver coin, and the pledgeable electronic currency seller, the redeemer, and the redemption payment The person or the last redemption payer refers to the pledgeable payment platform or the provider of the pledgeable payment platform.
  • Coin-purchasing members can apply for the issuance of a pledgeable payment ticket as a proof of right to purchase a pledgeable electronic currency. If they have not applied for the issuance of a pledgeable payment ticket, the purchase of the pledgeable electronic currency will have a record of the pledgeable payment receipts. The payment ticket has the same effect.
  • Step A3 The seller member uses the member terminal electronic device 1/4 to log in the member terminal qualitative payment online transaction system 3/6 shop management module 33/yishop management module 63, enter the qualitable shop, and price the goods in legal currency.
  • buyer members use the member terminal electronic device 4/1 to log in the quality payment online transaction system 6/3 charity shop management module 63/shop
  • the management module 33 enter the mall or shop that can be paid for, and select the goods; unless otherwise specified, the seller member in the present invention includes the buyer member who sells charity items, and the buyer member includes the seller who buys the goods.
  • the so-called charity sale members include buyer members and seller members who sell charity items
  • the so-called pledgeable shops include the pledgeable charity shops
  • the goods referred to include services and charity sale items.
  • the said payment Including service fees and bazaar prices.
  • the verification information, as well as the obtained member registration number and qualitable payment account information are important member identification information and qualitable payment identification information; registered members use the member-side electronic device 1/4 to log in to the qualitable payment platform or enter the qualitable payment platform Payment account, you need to enter the member registration number or the pledgeable account number according to the login page or window prompts, and enter the member identification information or the pledgeable identification information; the pledgeable platform 7 manually, automatically, or other means
  • the information can be pledged for identification and verification; if the verification is passed, the login is allowed, and the verification success information is sent to the member’s main communication device 21/51/22/52 bound to the member registration number; the verification fails, the login is refused, and the login is rejected.
  • the member communication device 21/51/22/52 bound to the member registration number issues verification failure information. If a registered member discovers that someone else has used or misappropriated his or her membership registration number or qualitable account number to log in to the qualitable payment platform or enter the qualitable payment account without his permission or consent, he can apply for mandatory withdrawal through the member’s alternate communication device 22/52 Can pay the platform or can pay the account.
  • the method includes a qualitable payment online transaction step, and the qualitable payment online transaction step includes:
  • Step B1 After the buyer member selects the goods, use the member terminal electronic device 4/1 to log in to the member terminal qualitative payment online transaction system 6/3 Yishop management module 63/shop management module 33, and place the qualitative payment order; not special It should be noted that the qualitable payment order in the present invention includes the qualitable charity sale order.
  • the seller member logs in to the online transaction system 3/6 store management module 33/Yi shop management module 63 through the member terminal electronic device 1/4 to accept the quality payment order; the seller If the member does not accept or refuse to accept the pledgeable order within the stipulated or agreed period, it shall be deemed to have refused to accept the pledgeable order without reason, that is, the order is rejected without reason; the seller member has multiple unreasonable return and exchange records based on the buyer member.
  • the buyer member Before the buyer member places the qualitable payment order or the seller member before accepts the qualitative payment order, he can check the quality payment certification of the other member through the member terminal qualitable payment online transaction system 6/3 member management module 63/33, Public information on qualitative payment capabilities, qualitative payment credit, qualitative payment disputes, qualitable payment evaluation, and qualitable payment after-sales service.
  • the pledgeable payment platform7 will review its pledgeable online transaction authority; if the review is passed, the pledgeable order is allowed to be placed or accepted, if the review fails, it will be rejected Placing or accepting a qualitable payment order; the said qualitable online transaction authority review includes a review of registration authentication information and an audit of the qualitative payment capability; the said registration authentication information review is a check on the member login information and the member registration number used for the member login.
  • the member’s identification information or qualitable payment identification information bound to the payment account is checked for consistency; the qualitable payment ability review is to check whether the qualifiable electronic currency held by the member and the qualifiable payment credit line are sufficient, and whether they have Corresponding member authority to review; members are not exempt from the review of online transactions that can be pledged, and the pledgeable payment platform is not responsible for the review of online transactions that can be pledged.
  • Step B2 After the seller member accepts the qualitable payment order, the buyer member uses the member-side electronic device 4/1 to enter the member-side qualitable payment online transaction system 6/3 qualitable payment management module 62/32, and log in to the qualitable payment account.
  • the pledgeable payment platform 7 instruct the pledgeable payment platform 7 to pay the pledgeable electronic currency of a certain type and amount from its pledgeable account to the seller member's pledgeable account, and pay the deposit in the form of pledgeable payment;
  • Buyer members who choose to pay for the bills can also be issued and delivered to the seller members through the online transaction system 6/3 for the payment management module 62/32 that can be used for payment.
  • Pledged payment warrants Buyer members who choose single-currency pledgeable payment must submit the issued pledgeable warrants to the pledgeable payment platform before delivering the pledgeable warrants to the seller members, and receive the redemption; if If the buyer member chooses part of the pledge payment, before issuing the pledgeable payment warrant, he also needs to apply to the pledgeable payment platform to issue the purchaser member as the pledgeable payment ticket based on the pledgeable payment ticket that records the purchased electronic currency. The right holder’s pledgeable decentralized ticket; if the buyer member partly pledges payment, before the pledgeable warrant is issued, the pledgeable payment warrant must be issued to the pledgeable payment platform based on the pledgeable electronic currency received.
  • the seller member uses the member-side electronic device 1/4 to enter the member-side pledgeable payment online transaction system 3/6 the pledgeable payment management module 32/62, log in to the pledgeable payment account, and receive the pledgeable deposit ;
  • Seller members who accept the pledgeable warrants shall conduct the verification of the pledgeable warrants within the prescribed or agreed time after receiving the pledgeable electronic currency and the pledgeable warrants; after the verification, the documents are consistent, the verification is passed, and the receipt is signed Pledgeable warrants; seller members receive pledgeable electronic currency or sign for pledgeable warrants, triggering the countdown of pledgeable periodic redemption payments. Seller members shall not prompt for the redemption payment or before the end of the pledgeable periodic redemption payment countdown.
  • Step B3 After receiving the deposit, the seller member sends the goods according to the receiving address marked in the order or according to the buyer member's instruction, and can pay through the online transaction system 3/6 shop management module 33/yishop management module 63 , Confirm to send the goods.
  • the buyer members go to the agreed receiving place or the agreed receiving method, receive the goods, and confirm the receipt through the online transaction system 6/3 Yipu management module 63/shop management module 33 that can be paid by the member terminal Goods; after on-site inspection and acceptance, if the single goods are inconsistent or the goods have obvious flaws or/and defects, you can refuse to accept the goods after retaining the evidence, and pass the online transaction system 6/3 Yishop management module 63/shop management on the member terminal Module 33, confirm the refusal to accept the goods.
  • Step B4 After receiving the goods, the buyer member pays the final payment to the seller member through the member-side qualitable payment online transaction system 6/3 qualitable payment management module 62/32; the two parties agree that the qualitable deposit will not be credited.
  • the pledgeable balance shall be the full pledged payment, and if the pledgeable deposit is agreed as the purchase price, the pledgeable balance shall be the remaining amount after the pledged full payment minus the pledged deposit.
  • the seller members can collect the pledgeable balance through the 3/6 pledgeable payment management module 32/62 of the member-side pledgeable online transaction system within the specified or agreed period; the two parties agree that the pledgeable deposit will be credited.
  • the pledged payment will be settled after receiving the pledgeable balance. If the pledgeable deposit is not offset as the payment, after receiving the pledgeable payment, the pledged payment will be collected within the stipulated or agreed time limit. Pay the deposit and return the buyer member.
  • Step B5 After the countdown to the regular redemption payment is over, the seller member submits the quality payment transaction record to the quality payment platform through the 3/6 quality payment management module 32/62 of the member terminal quality payment online transaction system 7 Prompt for redemption payment; seller members who accept the pledge of warrants to prompt for redemption payment must also submit the pledgeable warrants and the matching documents during the delivery period; if the seller member has opened the right to negotiate for redemption, the membership can be pledged.
  • the redemption payment is advanced or delayed; the seller member who accepts the self-redemption pledge payment directly prompts the buyer member for the redemption payment.
  • the pledgeable payment platform After the pledgeable payment platform receives the reminder of the redemption payment, it will review the pledged redemption payment within the specified or agreed time limit; if the seller member submits a pledgeable warrant and other reminder for the redemption payment, the pledged redemption payment review It also includes the verification of the pledgeable warrant, and the verification of the verification of the pledgeable warrant and the verification of the verification of the pledgeable redemption payment are carried out simultaneously; after the verification is passed, the online transaction system of the pledgeable payment platform will be used on the due date 8
  • the pledgeable payment management module 82 deducts a certain type and amount of pledgeable electronic currency from the seller member’s pledgeable account, and pays the consideration redemption money to the seller member’s designated bank receiving account through the bank payment system.
  • Buyer members who choose self-redemption and pledge payment after redeeming payment to the seller member by referring to the warrant pledge payment method, may prompt the pledge payment platform for the redemption payment according to the agreement with the pledge payment platform.
  • Step B6 After the pledgeable electronic currency redemption payment arrives in the account, the seller member confirms the receipt of the consideration redemption through the member terminal pledgeable payment online transaction system 3/6 pledgeable payment management module 32/62 within the prescribed or agreed period The online transaction of qualitable payment ends; after the countdown to the regular redemption payment for qualitative payment ends, the seller member uses the qualitable payment electronic currency collected for a new qualitable payment transaction, then the current qualitable payment online transaction, It ends when the pledgeable electronic currency is successfully pledged for payment.
  • Registered members find that others use or misappropriate their membership registration number or pledgeable account without their permission or consent, log in to the pledgeable platform or enter the pledgeable account, and engage in pledgeable online transactions, they can use the member’s alternate communication device 22/52, apply for compulsory suspension of pledgeable transactions; if registered members discover that pledgeable electronic coins have been stolen or misappropriated, they shall use the member-side pledgeable online transaction system before the end of the countdown to the regular redemption payment.
  • the online transaction that can be paid for quality also includes steps for after-sales service for payment and evaluation steps for members who can be paid for.
  • Step B7 After receiving the goods and in the process of using the goods, the buyer member finds that the goods have obvious quality If there are problems, serious defects or malfunctions, you can apply for after-sales service to the seller member through the 6/3 after-sales management module 65/35 of the online transaction system 6/3.
  • the seller member If the sold goods do have obvious quality problems, serious defects or malfunctions, and the return and exchange period is not exceeded, the seller member provides return or exchange services, and through the member-side quality payment online transaction system 3/6 after-sales management module 35/ 65. Confirm that after-sales service is provided; if the return or exchange period is exceeded but the warranty period is not exceeded, and the return or exchange regulations are met, the return or exchange service will be provided; if the return or exchange regulations are not met, the maintenance or other after-sales service will be provided; After the quality guarantee period, the seller member has the ability to continue to provide after-sales service. If it can be repaired, it will provide repair services. If it is not repairable but has a value or an obligation to recover, it can provide discounted recovery, trade-in or other after-sales services.
  • Step B8 During the entire online transaction process including the after-sales service process, both parties to the transaction can use the member-side online transaction system 6/3 evaluation management module 66/63 to give satisfaction to the other party's online transaction. Good and poor evaluation.
  • the above pledgeable online transaction step is a pledgeable deposit transaction step.
  • the pledgeable deposit transaction When the pledgeable deposit is zero, the pledgeable deposit transaction is transformed into a pledgeable cash on delivery transaction; when the pledgeable deposit is equal to the pledgeable deposit When the full payment is pledged, the pledgeable deposit transaction is transformed into a pledgeable payment to delivery transaction; when the cash value of the pledgeable deposit exceeds the legal deposit maximum limit or is lower than the legal deposit minimum limit (if any), or loses In the case of the nature of the pledged deposit, the pledgeable deposit transaction is transformed into the pledgeable advance payment transaction, the pledgeable installment payment transaction, etc.
  • the method may further include a arbitration step of a pledgeable online transaction dispute, and the arbitration step of a pledgeable online transaction dispute includes:
  • Step C1 The disputing member enters the 3/6 dispute management module 34/64 of the online transaction system 3/6 through the electronic device on the member side, and submits the application for the arbitration of the online transaction dispute on the qualifiable payment platform 7.
  • Adjudication of online transaction disputes that can be pledged members who report a loss can submit the pledgeable electronic currency report loss application through the pledgeable payment reporting submodule 34/641 of the 3/6 dispute management module 34/64 of the pledgeable online transaction system, which is deemed to be submitted Application for arbitration of online transaction disputes with qualifiable payment; applicants can hire one or more expert consultants from the qualifiable payment expert consultant database through the 3/6 dispute management module 34/64 of the qualifiable online transaction system to provide them with consultants, Consultation, agency and other services, and one of the legal advisers can be appointed as its own adjudicator.
  • the disputing member failed to pass the qualifiable payment security and guarantee sub-module 342/642 of the member-side qualitable payment online transaction system 3/6 Dispute Management Module 34/64 before submitting the application for the arbitration of a qualitable payment online transaction dispute.
  • the submitted pledgeable online transaction dispute ruling application triggers the pledgeable preservation and guarantee sub-module 342/642/842, Initiation of the pledgeable property preservation and guarantee procedures; after the pledgeable platform receives the pledgeable property preservation application and the consideration of the pledgeable property guarantee, it passes through the pledgeable payment platform-side pledgeable online transaction system 8 Dispute management module 84
  • the quality payment preservation and guarantee sub-module 842 and the quality payment management module 82 for the quality payment preservation property and the guarantee property, while simultaneously adopting the freeze preservation measures of the pledge payment property, at the same time, through the dispute management module 84, accept the payment payment online transaction Dispute adjudication application, informing the respondent to submit a defense or urge the respondent to declare the right to pledge payment within the time limit; the member in dispute shall apply for the preservation of the pledgeable property and provide the pledgeable payment before submitting the application for the dispute judgment of the pledgeable online transaction If the property is secured,
  • priority shall be given to pre-freezing or freezing the pledgeable silver coin property under the pledgeable account of the respondent, and according to the purchased pledgeable silver coin and the pledged silver coin.
  • Pledgeable silver coins for settlement and unsettled pledgeable silver coins shall be pre-frozen or frozen in the order of pledgeable silver coins; if the respondent holds multiple pledgeable silver coins, priority shall be given to pre-freezing or freezing the pledgeable standard silver coin property; the respondent If the holdings of silver coins that can be pledged are insufficient, they shall be pre-frozen or frozen in the order of pledgeable tin coins, pledgeable iron coins, pledgeable gold coins, and pledgeable copper coins.
  • Step C2 After the pledgeable payment platform 7 accepts the application, it selects a lawyer from the pledgeable expert consultant library as the chief arbiter, and forms a pledgeable online transaction dispute ruling working group together with the arbitrator appointed by the disputing member. If an adjudicator is appointed, the difference shall be selected and made up in the order of the applicant and the respondent recorded in the online dispute ruling application form; the online transaction dispute ruling working group shall be based on the application materials of the disputed member and the defense materials (if any) , According to the rules of pledgeable payment, make a ruling on the online transaction dispute of pledgeable payment, and issue a verdict on the dispute of online transaction of pledgeable payment.
  • the final opinions shall be determined according to the principle of one person, one vote, the minority obeys the majority, and the minority opinions are retained; if the opinions of the members are equal, the chief adjudicator’s support opinion shall be the final opinion; If the majority opinion of the online transaction dispute adjudication working group violates the relevant mandatory laws and regulations, the chief adjudicator shall have the non-renounceable veto power. If the majority opinion reformed after the chief adjudicator’s veto is still in violation of the relevant mandatory laws and regulations, the chief adjudicator shall be the chief adjudicator. The opinions supported by the members or the relatively majority opinion that does not violate the relevant mandatory legal provisions shall be the final opinions.
  • the non-monetary payment obligations shall be converted into certain pecuniary payment obligations in accordance with the principle of performance on behalf of others; for mutual pecuniary payment obligations, the order of performing the payment obligations shall be determined; In case of a reminder for reporting a loss, it is necessary to confirm the validity and ownership of the electronic currency that can be pledged for reporting the loss.
  • Step C3 The member in dispute is not satisfied with the online transaction dispute ruling, and submits an application for review of the online transaction dispute ruling through the online transaction system 3/6 dispute management module 34/64 of the member-side online transaction system within the specified time limit. Online transaction dispute rulings can be pledged for review.
  • the qualitable payment platform 7 selects three to nine senior expert consultants as adjudicators according to the odd number principle to form a working group for the review of disputes on the qualifiable online transaction.
  • lawyers do not Less than 1/3; the chief adjudicator is selected from full-time lawyers; the online transaction dispute review work group can rely on the pledgeable online transaction dispute ruling case file, review application materials, and review defense materials (if any).
  • the payment rules review the online disputes that can be pledged, and issue a review ruling on the online transaction disputes that can be pledged; if the review work group for online transaction disputes of the pledgeable online transaction considers that the original ruling is wrong, it shall be corrected; the original ruling is considered to be principled Or/and professional errors, the original ruling shall be revoked and a new ruling shall be made; if the original ruling is deemed to be correct, it shall be maintained.
  • Pledgeable online transaction dispute verdict and pledgeable online transaction dispute review verdict collectively referred to as pledgeable verdict, pledgeable online transaction dispute review verdict, and pledgeable online transaction disputes that have not applied for review within the specified time limit
  • the arbitrations are either valid or pledgeable arbitrations. Once the pledgeable arbitration becomes effective, trigger the qualitable arbitration tracking sub-module 343/643/843 to start the arbitration tracking procedure .
  • Step C4 The member in dispute is not satisfied with the review and ruling opinion of the online transaction dispute of the qualitable payment, and applies to the qualitable payment platform 7 through the 3/6 dispute management module 34/64 of the online transaction system of the qualitable payment service. ; Disputable members who are not satisfied with the arbitration opinion of the online transaction disputes may apply for public discussion of the online transaction dispute arbitration, but shall not apply for a separate public discussion of the online transaction dispute arbitration of the pledgeable payment.
  • the pledgeable payment platform 7 After the pledgeable payment platform 7 receives the pledgeable payment online transaction dispute arbitration application, it collects a certain number of public discussion member representatives from the enthusiastic members through the dispute management module 84 of the pledgeable payment online transaction system 8 In principle, the representatives of the members of the public meeting, the representatives of the disputed members and the representatives of the adjudicators shall each occupy a certain proportion, forming a working group for the public discussion and supervision of the online transaction disputes that can be pledged, and the chief supervisor is selected from the representatives of the public meeting members.
  • the Pledgeable Online Transaction Dispute Review Verdict will be issued in the designated area of the Pledgeable Payment Platform or set in the public discussion column, and the public discussion will be organized. Disputing members apply for the Pledgeable Online Transaction Dispute If the arbitration is publicly negotiated, it shall be issued together with the arbitration of the pledgeable online transaction dispute; after the expiration of the public discussion period, the result of the public discussion will be confirmed by the pledgeable online transaction dispute review supervisory working group and published on the pledgeable platform; the pledgeable payment If members of the online transaction dispute public discussion supervision working group disagree on the results of the public discussion, they shall be determined in accordance with the principle of one person, one vote, the minority obeys the majority, and the minority opinion is retained. If the opinions of the members are equal, the chief supervisor’s support opinion shall be the final opinion.
  • Pledgeable public discussion does not stop the execution of the pledgeable ruling, nor does it change the result of the pledgeable ruling.
  • the online transaction method for pledgeable payment may also include the steps of execution of the pledgeable payment effective ruling and compensation in advance, and the steps of the execution of the pledgeable payment effective ruling and compensation in advance include:
  • Step D1 After the pledgeable payment award comes into effect, the registered member who assumes the obligation to determine the pledged payment effective ruling has failed to pass the pledgeable payment of the 3/6 dispute management module 34/64 of the member-side pledgeable payment online transaction system within the specified time limit.
  • the sub-module 643/343 of 64/34's pledgeable payment effective ruling tracking sub-module apply to the pledgeable payment platform 7 for the execution of the pledgeable payment effective ruling and compensation in advance.
  • the pledgeable payment platform 7 accepts the application through the pledgeable payment effective ruling tracking sub-module 843 of the dispute management module 84 of the pledgeable payment platform-side qualitable payment online transaction system 8 within the prescribed time limit.
  • Step D2 After the pledgeable payment platform 7 accepts the application, it shall determine the total amount of monetary payment, the total amount of unfulfilled monetary payment, and the total amount of execution money applied by the applicant according to the principle of “lower, no higher” according to the effective ruling of pledgeable payment.
  • the total amount of execution payment that can be pledged, and the total amount of the pledgeable advance payment is determined based on the total amount of the order in dispute that can be pledged, the total amount of the pledged property that the applicant has preserved or obtained guarantees, and the total amount of the confirmed execution payment that can be pledged;
  • the total amount of execution payment and the total amount of pledged first compensation shall be determined after confirmation by the applicant.
  • Step D3 After the total amount of the qualifiable payment is determined, the qualitable payment platform 7 pays the qualifiable payment to the applicant through the qualitable payment online transaction system 8 and the qualitable payment management module 82 to the applicant.
  • Pledgeable two-way multilateral guarantee agreement obligations complete the pledgeable payment and compensate first; then, exercise the right of the pledgeable two-way multilateral guarantee agreement, and directly deduct the consideration and pledgeable property from the pledgeable property that is preserved or provided by the respondent If the property is to be paid, the pledgeable first indemnity loss shall be recovered from the respondent; if the pledged property that the respondent has been preserved or guaranteed is insufficient, the insufficiency shall be collected from the respondent and the guarantor in the order of the respondent and the guarantor. Direct deductions under the guaranty payment account.
  • the difference will be directly deducted from the pledgeable property that the respondent has been preserved or provided; the respondent is preserved or provided a guarantee If the pledgeable property is not enough to pay the performance balance of the pledgeable property, the insufficiency shall be deducted from the additional or applied for pledgeable property preservation after the applicant adds or applies for the pledgeable property preservation; the respondent is deducted If the pledged property that is preserved or provided as a guarantee is not sufficient to pay the pledgeable first loss loss and the pledgeable difference execution payment, it shall be implemented in accordance with the principle that the pledged first compensation loss shall have priority over the pledgeable difference execution payment; All losses have been recovered and the execution of the pledged payment has been fully executed, and the execution of the pledged judgment and the first compensation have ended.

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Abstract

一种可质付网上交易系统和方法。该系统包括会员端、可质付平台、可质付网上交易系统，它们通过互联互通网络连接；该方法以可质付电子币为质付物质押支付货款，包括可质付网上交易准备和可质付网上交易步骤，卖家会员与买家会员通过可质付平台进行网上交易。

Description

一种可质付网上交易系统和方法 技术领域
本发明涉及网上交易领域，特别是一种可质付网上交易系统和方法。
背景技术
随着互联网的发展，借助互联互通网络进行网上交易，日益成为一种不可或缺的交易方式。根据网上交易电子支付工具的不同，网上交易可分为两大类：一类是以国家认可或发行的电子货币(又称法定货币或电子现金)为支付工具的网上交易，一类是以网上支付平台提供商发售的电子代币(又称虚拟货币或数字代币)为支付工具的网上交易。
以电子货币为支付工具的网上交易，存在的主要问题是：1、网上支付安全风险。电子货币与网上交易支付账户(又称电子账户或电子钱包)之间先天存在着物理不可分的缺陷，电子货币对电子账户的这种先天依赖性，加之，电子货币基于国家信用所产生的即时转移支付属性，使得网上交易用户存放于电子账户中的电子货币，因网络犯罪预防技术先天滞后于网络犯罪技术而时刻面临被网络不法分子盗取或盗用的风险；2、网上交易保障风险。电子货币先天具有单向单边保障缺陷，使得主动交易一方的利益难以得到保障，譬如，在款到发货网上交易模式下，付款人(收货人)支付货款后，可能面临收不到货物、收到的货物并非选购货物或收到的货物存在假冒伪劣的风险；在货到付款网上交易模式下，发货人(收款人)发送货物后，可能面临收不到货款或收不到全部货款的风险。
以电子代币为支付工具的网上交易，存在的主要问题是：1、电子代币本身缺乏合法性。不论电子代币以何种名义发售，也不论其发售范围有多大，都无可避免地涉嫌在互联网领域取代法定货币作为流通手段的职能，这是任何一个主权国家的法律所不能接受的；2、交易风险巨大。电子代币的发售商良莠不齐，信誉千差万别，以发售电子代币之名行非法融资之实者，不在少数，而且，一旦电子代币发售商投资失败或卷钱跑路，购币者便血本无归。
2017年9月中国政府首次认定向投资者筹集所谓的“虚拟货币”，本质上是一种未经批准非法公开融资的行为，并决定关闭中国境内虚拟货币的交易所。
为克服电子货币在网上支付安全和网上交易保障方面存在的先天不足问题，同时解决传统电子代币的合法性问题并降低交易风险，发明人以“互联网+”和“法律+”为指引，在现有互联网技术、计算机技术及传统民法理论基础上，进行理论创新和方法创新，发明了集质押物、等价物、当物等优势于一身的质付物——可质付电子币，质付物不限于电子形态，还可 以是包括实物在内的其他形态；并在此基础上，发明了一种可质付网上交易系统和方法。目前尚未检索到以可质付电子币为质付物质押支付货款的相关网上交易系统和方法的公开资料。
发明内容
基于背景技术中的问题，本发明提供一种可质付网上交易系统和方法。
一种可质付网上交易系统，所述可质付网上交易系统，包括：卖家会员端电子设备、卖家会员通信设备、卖家会员端可质付网上交易系统、买家会员端电子设备、买家会员通信设备、买家会员端可质付网上交易系统、可质付平台和可质付平台端可质付网上交易系统，该系统是广义的可质付网上交易系统，它们通过互联互通网络连接；所述卖家会员端电子设备和买家会员端电子设备合称会员端电子设备；所述卖家会员通信设备和买家会员通信设备合称会员通信设备；所述卖家会员端可质付网上交易系统和买家会员端可质付网上交易系统合称会员端可质付网上交易系统；会员端电子设备、会员通信设备和会员端可质付网上交易系统合称会员端；所述卖家会员端电子设备、卖家会员通信设备和卖家会员端可质付网上交易系统合称卖家会员端，所述买家会员端电子设备、买家会员通信设备和买家会员端可质付网上交易系统合称买家会员端，卖家会员端和买家会员端合称会员端；其中，
所述会员端电子设备，安装会员端可质付网上交易系统，用于登录可质付平台，通过可质付平台从事可质付网上交易及相关活动；
所述会员通信设备，包括：主用通信设备和备用通信设备，用于与可质付平台进行会员识别信息及可质付识别信息验证通信和可质付交易通信；备用通信设备还用于在会员注册认证信息或/及可质付账户绑定信息发生变动或出现异常交易时接收信息变动或异常交易提醒，处理变动信息或异常交易；
所述卖家会员端，用于卖家会员进行卖家会员资格注册认证、店铺认证、货物品质认证，购买可质付电子币，登录可质付平台，进行可质付网上交易等；
所述买家会员端，用于买家会员进行买家会员资格注册认证、义卖物品备案，购买可质付电子币，登录可质付平台，进行可质付网上交易等；
所述会员端可质付网上交易系统，用于连接可质付平台端可质付网上交易系统，并用于发送、接收、存储和处理可质付网上交易数据电文，购买可质付电子币，登录可质付平台，进行可质付网上交易等；包括：会员管理模块，用于会员注册认证，开通会员权限，存储、验证和维护会员信息和会员身份识别信息，查询注册会员公开信息等；可质付管理模块，用于会员开立可质付账户，购买、存放、收付和结算可质付电子币，签发或签收可质付票证，办理可 质付承赎、赎回付款或转质付，存储、验证和维护可质付电子币信息、会员可质付信息和会员可质付识别信息，还用于切断盗窃电子现金的路径等；店铺管理模块/义铺管理模块，用于卖家会员办理店铺认证、货物品质认证、义卖物品备案、接受或下达可质付订单或可质付义卖订单、存储和维护店铺和货物信息，或用于买家会员进行义卖物品备案、下达可质付订单、接受或下达可质付义卖订单、存储和维护义铺和义卖物品信息，办理义铺升级店铺等；争议管理模块，用于会员申请可质付网上交易争议裁决，处理可质付网上交易争议，抽选专家顾问和指定己方裁决员，执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等；售后管理模块，用于会员提供或接受可质付网上交易售后服务；评价管理模块，用于会员进行可质付网上交易评价；
所述可质付平台，即可质付网上交易平台，是可质付平台端电子设备和通信设备的总称，安装可质付平台端可质付网上交易系统，用于接收、存储、处理和发送可质付网上交易数据电文和通讯信息，并提供可质付电子币购销、存放、收付、承赎、赎回付款和结算等服务；所述可质付平台端可质付网上交易系统，包括：会员管理模块，用于为会员注册认证、开通会员权限、查询注册会员公开信息等提供审核、监管和服务，并用于存储、验证和维护会员信息和会员身份识别信息；可质付管理模块，用于为会员开立可质付账户，购买、存放、收付和结算可质付电子币，签发或签收可质付票证，办理可质付承赎、赎回付款或转质付等提供审核、监管和服务，存储、验证和维护可质付电子币信息、会员可质付信息和会员可质付识别信息，并用于对采取可质付保全或担保措施的可质付报失财产、可质付保全财产及/或可质付担保财产同步采取可质付预冻结、冻结或解除可质付预冻结、冻结措施等，还用于切断盗窃电子现金的路径；店铺管理模块(义铺管理模块)，用于为会员办理店铺认证或义铺升级店铺、货物品质认证或义卖物品备案、下达或接收可质付订单或可质付义卖订单等提供审核、监管和服务，存储和维护店铺/义铺和货物/义卖物品信息等；争议管理模块，用于为会员申请可质付网上交易争议裁决、处理可质付网上交易争议、抽选专家顾问和指定己方裁决员、执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等提供审核、监管和服务，还用于协助执行有关司法部门及行政部门具有强制执行力内容的生效法律文书等；售后管理模块，用于为会员提供或接受可质付网上交易售后服务等提供审核、监管和服务；评价管理模块，用于为会员进行可质付网上交易评价等提供审核、监管和服务。
会员端可质付网上交易系统和可质付平台端可质付网上交易系统合称可质付网上交易系统，该系统是狭义的可质付网上交易系统，连接会员端和可质付平台，用于会员购买可质付电子币，登录可质付平台，进行可质付网上交易等，并为会员购买可质付电子币，登录可质付平 台，进行可质付网上交易等提供审核、监管和服务。
进一步，所述争议管理模块，还包括：可质付报失催告子模块，用于会员申请可质付电子币报失，追回被盗或丢失的可质付电子币，并为会员申请可质付电子币报失，追回被盗或丢失的可质付电子币等提供审核、监管和服务；所述可质付报失催告子模块，包括：会员端可质付报失催告子模块和可质付平台端可质付报失催告子模块；所述会员端可质付报失催告子模块，包括：卖家会员端可质付报失催告子模块和买家会员端可质付报失催告子模块，所述可质付平台端可质付报失催告子模块；
可质付保全与担保子模块，用于会员申请可质付财产保全及/或提供可质付财产担保等，并为会员申请可质付财产保全及/或提供可质付财产担保等提供审核、监管和服务，还用于对可质付报失财产、可质付保全财产及/或可质付担保财产，采取可质付保全及/或可质付担保措施等；所述可质付保全与担保子模块，包括：会员端可质付保全与担保子模块和可质付平台端可质付保全与担保子模块；所述会员端可质付保全与担保子模块，包括：卖家会员端可质付保全与担保子模块和买家会员端可质付保全与担保子模块，所述可质付平台端可质付保全与担保子模块；
可质付生效裁决追踪子模块，用于会员执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等，并为会员执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等提供审核、监管和服务，还用于协助执行有关司法部门及行政部门具有强制执行力内容的生效法律文书；所述可质付生效裁决追踪子模块，包括：会员端可质付生效裁决追踪子模块和可质付平台端可质付生效裁决追踪子模块；所述会员端可质付生效裁决追踪子模块，包括：卖家会员端可质付生效裁决追踪子模块和买家会员端可质付生效裁决追踪子模块，所述可质付平台端可质付生效裁决追踪子模块。
一种可质付网上交易方法，所述可质付网上交易方法，包括以下步骤：
步骤A：可质付网上交易准备步骤；
步骤B：可质付网上交易步骤。
所述可质付网上交易准备步骤，包括：
步骤A1：登录会员端可质付网上交易系统，完成注册认证，取得注册会员资格；
步骤A2：开立可质付账户，购买可质付电子币，进行可质付账户充值；未签订可质付双向多边保障协议的注册会员，首次购买可质付电子币，需签订可质付双向多边保障协议；
步骤A3：卖家会员把货物以法定货币计价，以可质付电子币标价；买家会员选定货物。
所述可质付网上交易步骤，包括：
步骤B1：买家会员下达可质付订单，卖家会员接受可质付订单；
步骤B2：卖家会员接受可质付订单后，买家会员根据约定按照货款的一定比例向卖家会员支付可质付电子币，以可质付方式支付定金；
卖家会员收取可质付定金；未签订可质付双向多边保障协议的注册会员，首次收取可质付电子币，需签订可质付双向多边保障协议。
步骤B3：收到定金后，卖家会员发送货物；货物送达后，买家会员接收货物；
步骤B4：收到货物后，买家会员向卖家会员支付可质付尾款；卖家会员收取可质付尾款；
步骤B5：卖家会员向可质付平台提交可质付进账流水记录等提示赎回付款；
可质付平台收到提示赎回付款后，进行可质付赎回付款审核；审核通过后，在到期日向卖家会员支付对价赎回款，赎回可质付电子币。
步骤B6：卖家会员确认收到对价赎回款，可质付网上交易结束；卖家会员将收取的可质付电子币用于新的可质付交易的，则本次可质付网上交易，自所述可质付电子币成功质押支付时结束；广义的可质付网上交易，还包括：
步骤B7：可质付售后服务步骤；
步骤B8：可质付会员评价步骤；
以上可质付网上交易步骤为可质付定金交易步骤，当所述可质付定金为零时，可质付定金交易转化为可质付货到付款交易；当所述可质付定金等于可质付全款时，可质付定金交易转化为可质付款到发货交易；当所述可质付定金的现金价值超过法定定金最高限额或低于法定定金最低限额(如有)或丧失可质付定金性质时，可质付定金交易转化为可质付预付款交易、可质付分期付款交易等。
所述可质付网上交易是一种以具有质押支付功能的可质付电子币为质付物质押支付货款的新型网上交易，简称可质付交易或可质付；所述可质付，即是一种新型网上交易方式，也是一种新型网上交易支付方式。
在可质付方式下，买家会员向可质付平台购买可质付电子币，并经可质付平台承赎、授权或许可，以购买或收取的全部或部分可质付电子币为质付物，向卖家会员质押支付全部或部分货款，并自行承诺或委托可质付平台在规定期限内向卖家会员有条件到期赎回付款；卖家会员接受买家会员以可质付电子币为质付物质押支付货款，并在条件成就时向买家会员或可质付平台申请到期赎回付款；可质付平台，按照法定货币与可质付电子币的一定比率向买家会员销售可质付电子币，承诺在规定期限内有条件到期赎回付款，并在条件成就时，按照可质付电子币与法定货币的一定比率在到期日向持币会员支付赎回付款，赎回可质付电子币。
根据可质付电子币是否可以单独使用，可质付网上交易还可分为光币可质付交易和权证可质付交易，所述光币可质付交易指仅以可质付电子币为质付物质押支付货款的可质付交易；光币可质付交易，可质付电子币无需与可质付权证一起使用，不记名，又称匿名可质付交易；所述权证可质付交易指可质付电子币必须和记载所述可质付电子币的可质付权证一起使用的可质付交易；权证可质付交易，可质付权证记载可质付权人信息，又称记名可质付交易；根据可质付权证所附可质付单据的不同，权证可质付交易又分为跟单可质付交易和跟票可质付交易；所述跟单可质付交易，又称单币可质付交易指可质付电子币必须和记载所述可质付电子币的可质付权证一起使用、且可质付权证所附可质付单据不限于可质付权票的可质付交易；跟单可质付交易，可质付权证需经提示承赎并获得可质付平台承赎方可使用，又称承赎可质付交易；所述跟票可质付交易，又称票币可质付交易指可质付电子币必须和记载所述可质付电子币的可质付权证一起使用、且可质付权证所附可质付单据仅限于可质付权票的可质付交易，跟票可质付交易是特殊的跟单可质付交易；跟票可质付交易，可质付权证无需提示承赎即可获得可质付平台承赎，又称快捷可质付交易，广义的快捷可质付交易包括光币可质付交易，狭义的快捷可质付交易仅指票币可质付交易；所述票币可质付交易根据可质付电子币购买方式不同，又分为实票可质付交易和信票可质付交易；所述实票可质付交易，又称实币可质付交易指以先付费方式购买的可质付电子币为质付物质押支付货款的票币可质付交易；实币可质付交易不限于实票可质付交易，还包括光币可质付交易等；所述信票可质付交易，又称信用可质付交易或信币可质付交易指以后付费方式购买的可质付电子币为质付物质押支付货款的票币可质付交易；根据可质付电子币来源不同，可质付网上交易还可分为质付交易、转质付交易和混合可质付交易，所述质付交易指以购买的可质付电子币为质付物质押支付货款的可质付交易；以收取的匿名可质付电子币为质付物质押支付货款的可质付交易视为质付交易，狭义的可质付交易仅指质付交易，其中，将单次购买的记名可质付电子币分成若干份，以其中一份为质付物质押支付货款的可质付交易称为部分质付交易；所述转质付交易指以收取的记名可质付电子币为质付物质押支付货款的可质付交易，其中，将单次收取的记名可质付电子币分成若干份，以其中一份为质付物质押支付货款的可质付交易称为部分转质付交易；所述混合可质付交易指以购买和收取的可质付电子为质付物质押支付货款的可质付交易，混合可质付交易还包括且不限于以不同种类可质付电子币为质付物质押支付货款的可质付交易；广义的可质付网上交易包括质付交易、转质付交易和混合可质付交易；根据可质付电子币赎回付款主体不同，可质付网上交易还可分为自赎可质付交易和委赎可质付交易；所述自赎可质付交易指买家会员以可质付电子币为质付物质押支付货款，并自行承诺有 条件到期赎回付款的可质付交易；所述委赎可质付交易指买家会员以可质付电子币为质付物质押支付货款，并委托可质付平台有条件到期赎回付款的可质付交易；所述可质付网上交易还包括议付可质付交易，所述议付可质付交易指通过调整(缩短/延长)定期赎回付款倒计时结束时间，以收取的可质付电子币快速付款或延迟付款的可质付交易；其中，通过缩短定期赎回付款倒计时结束时间，以收取的可质付光币快速付款的可质付交易称为光币快付可质付交易；通过缩短定期赎回付款倒计时结束时间，以收取的可质付票币快速付款的可质付交易称为票币快付可质付交易。
进一步，所述方法还可以包括可质付网上交易争议裁决步骤，所述可质付网上交易争议裁决步骤，包括：
步骤C1：可质付网上交易争议裁决申请与受理；争议会员未申请可质付财产保全并提供对价可质付财产担保的，所提可质付网上交易争议裁决申请，触发可质付保全与担保子模块，启动可质付财产保全与担保程序；争议会员申请可质付财产保全并提供对价可质付财产担保的，可质付平台受理可质付网上交易争议裁决申请；
步骤C2：可质付网上交易争议裁决；
步骤C3：可质付网上交易争议裁决复查；可质付网上交易争议复查裁决书和在规定期限内未申请复查的可质付网上交易争议裁决书，均是生效可质付裁决书或可质付生效裁决书；可质付裁决书一经生效，触发可质付生效裁决追踪子模块，启动可质付生效裁决追踪程序；
步骤C4：可质付网上交易争议裁决公议；可质付公议不停止可质付生效裁决的执行，也不改变可质付生效裁决的结果。
进一步，所述方法还可以包括可质付生效裁决执行暨先予赔偿步骤，所述可质付生效裁决执行暨先予赔偿步骤，包括：
步骤D1：可质付生效裁决执行暨先予赔偿申请与受理；
步骤D2：确定可质付执行款总额和可质付先赔金总额；
步骤D3：向申请人支付可质付先赔金，向被申请人追回可质付先赔损失，执行可质付差额执行款(如有)；可质付先赔损失全部追回及可质付执行款全部执行完毕，可质付生效裁决执行暨先予赔偿结束。
本发明所提供的一种可质付网上交易系统和方法，具有以下技术优势：一是网上交易安全合法有保障，本发明以具有双向多边保障功能又具有合法性的可质付电子币为网上交易支付工具，即解决了电子货币被盗取、盗用问题，又解决了电子货币单向单边保障缺陷和电子代币合法性问题；同时，可质付电子币作为具有双向多边保障功能的质付物，是特殊的担保物权 客体，不仅自身受到法律保护，也使得购币者的利益同样受到法律保护；而且，可质付网上交易以法定货币为计价单位，维护了法定货币在互联网领域作为法定支付结算工具的权威性。二是网上交易方便快捷全兼容，小额网上交易可以选择光币可质付交易，像使用零钱一样方便；一般网上交易可以选择票币可质付交易，像使用见票即付的汇票一样快捷；大额网上交易可以选择单币可质付交易，像使用跟单信用证一样规范；开通信用可质付权限的会员，还可以后付费方式选择信币可质付交易，同时，本发明还兼容电子现金交易、第三方支付交易等，尊重并协助执行有关司法部门及行政部门具有强制执行力内容的生效法律文书。
附图说明
图1出示了本发明实施例提供的可质付网上交易系统架构和主要流程示意图。
图2出示了本发明实施例提供的可质付网上交易准备的流程示意图。
图3出示了本发明实施例提供的可质付网上交易的流程示意图。
图4出示了本发明实施例提供的可质付网上交易争议裁决的流程示意图。
图5出示了本发明实施例提供的可质付先予赔偿暨生效裁决执行的流程示意图。
具体实施方式
下面结合附图及实施例对本发明的一种可质付网上交易系统和方法作进一步详细的说明。
参见图1所示的可质付网上交易系统架构和主要流程示意图。所述可质付网上交易系统，包括：卖家会员端电子设备1、卖家会员通信设备2、卖家会员端可质付网上交易系统3、买家会员端电子设备4、买家会员通信设备5、买家会员端可质付网上交易系统6、可质付平台7和可质付平台端可质付网上交易系统8，该系统是广义的可质付网上交易系统，它们通过互联互通网络连接；所述卖家会员端电子设备1和买家会员端电子设备4合称会员端电子设备1/4；所述卖家会员通信设备2和买家会员通信设备5合称会员通信设备2/5；所述卖家会员端可质付网上交易系统3和买家会员端可质付网上交易系统6合称会员端可质付网上交易系统3/6；会员端电子设备1/4、会员通信设备2/5和会员端可质付网上交易系统3/6合称会员端1/2/3/4/5/6；会员端可质付网上交易系统3/6和可质付平台端可质付网上交易系统8合称可质付网上交易系统3/6/8，该系统是狭义的可质付网上交易系统；非特别说明，本发明所称的可质付网上交易系统指广义的可质付网上交易系统；其中，
所述会员端电子设备1/4安装会员端可质付网上交易系统3/6，用于登录可质付平台，通过可质付平台从事可质付网上交易及相关活动；所述会员端电子设备包括且不限于具有网上交易功能的电脑、电视、电话及车载、船载、机载等固定、移动、便携式或可穿戴式电子设备，也不限于会员自有电子设备、可质付平台及经可质付平台授权或许可的第三方提供的专用电 子设备或自助电子设备；
所述会员通信设备2/5，包括：主用通信设备21/51和备用通信设备22/52，用于与可质付平台进行会员识别信息及可质付识别信息验证通信和可质付交易通信，备用通信设备还用于在会员注册认证信息或/及可质付账户绑定信息发生变动或出现异常交易时接收信息变动或异常交易提醒，处理变动信息或异常交易；所述会员通信设备包括且不限于手机、电话、电子邮件等能够提供文字、音频或视频等即时通讯服务的通讯设备；
所述会员端可质付网上交易系统3/6，包括：会员管理模块31/61，用于会员注册认证，开通会员权限，存储、验证和维护会员信息和会员身份识别信息，查询注册会员公开信息等；可质付管理模块32/62，用于会员开立可质付账户，购买、存放、收付和结算可质付电子币，签发或签收可质付票证，办理可质付承赎、赎回付款或转质付，存储、验证和维护可质付电子币信息、会员可质付信息和会员可质付识别信息，还用于切断盗窃电子现金的路径等；店铺管理模块33/义铺管理模块63，用于卖家会员办理店铺认证、货物品质认证、义卖物品备案、接受或下达可质付订单或可质付义卖订单、存储和维护店铺和货物信息，或用于买家会员进行义卖物品备案、下达可质付订单、接受或下达可质付义卖订单、存储和维护义铺和义卖物品信息，办理义铺升级店铺等；争议管理模块34/64，用于会员申请可质付网上交易争议裁决，处理可质付网上交易争议，抽选专家顾问和指定己方裁决员，执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等；售后管理模块35/65，用于会员提供或接受可质付网上交易售后服务；评价管理模块36/66，用于会员进行可质付网上交易评价；
所述可质付平台7，即可质付网上交易平台，是可质付平台端电子设备和通信设备的总称，安装可质付平台端可质付网上交易系统8，用于接收、存储、处理和发送可质付网上交易数据电文和通讯信息，并提供可质付电子币购销、存放、收付、承赎、赎回付款和结算等服务；可质付平台是在现有互联互通网络技术和计算机技术并与时俱进基础上，由发明人开发或委托开发的具有注册、认证、交易、支付、结算、裁决、执行、通讯等功能的网上交易支付一体化系统；可质付平台隶属于可质付平台提供商，并由可质付平台提供商或其授权或许可的专业机构提供管理、运营、安全等服护；可质付平台提供商根据需要设立包括且不限于可质付注册认证中心、可质付充值结算中心、可质付争议裁决中心等服务机构，或授权或许可专业服务机构，以可质付平台或可质付平台提供商名义为会员从事可质付网上交易提供注册认证、充值结算、争议裁决等服务；所述专业服务机构根据可质付平台提供商授权或许可，可以自身名义提供相关服务；
所述可质付平台端可质付网上交易系统8，包括：会员管理模块81，用于为会员注册认证、 开通会员权限、查询注册会员公开信息等提供审核、监管和服务，并用于存储、验证和维护会员信息和会员身份识别信息；可质付管理模块82，用于为会员开立可质付账户，购买、存放、收付和结算可质付电子币，签发或签收可质付票证，办理可质付承赎、赎回付款或转质付等提供审核、监管和服务，存储、验证和维护可质付电子币信息、会员可质付信息和会员可质付识别信息，并用于对采取可质付保全或担保措施的可质付报失财产、可质付保全财产及/或可质付担保财产同步采取可质付预冻结、冻结或解除可质付预冻结、冻结措施等，还用于切断盗窃电子现金的路径；店铺管理模块(义铺管理模块)83，用于为会员办理店铺认证或义铺升级店铺、货物品质认证或义卖物品备案、下达或接收可质付订单或可质付义卖订单等提供审核、监管和服务，存储和维护店铺/义铺和货物/义卖物品信息等；争议管理模块84，用于为会员申请可质付网上交易争议裁决、处理可质付网上交易争议、抽选专家顾问和指定己方裁决员、执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等提供审核、监管和服务，还用于协助执行有关司法部门及行政部门具有强制执行力内容的生效法律文书等；售后管理模块85，用于为会员提供或接受可质付网上交易售后服务等提供审核、监管和服务；评价管理模块86，用于为会员进行可质付网上交易评价等提供审核、监管和服务。
所述争议管理模块34/64/84，还包括：
可质付报失催告子模块341/641/841，所述可质付报失催告子模块341/641/841，包括：会员端可质付报失催告子模块341/641和可质付平台端可质付报失催告子模块841；所述会员端可质付报失催告子模块341/641，包括：卖家会员端可质付报失催告子模块341和买家会员端可质付报失催告子模块641，用于会员申请可质付电子币报失，追回被盗或丢失的可质付电子币；所述可质付平台端可质付报失催告子模块841，用于为会员申请可质付电子币报失，追回被盗或丢失的可质付电子币等提供审核、监管和服务；
可质付保全与担保子模块342/642/842，所述可质付保全与担保子模块342/642/842，包括：会员端可质付保全与担保子模块342/642和可质付平台端可质付保全与担保子模块842；所述会员端可质付保全与担保子模块342/642，包括：卖家会员端可质付保全与担保子模块342和买家会员端可质付保全与担保子模块642，用于会员申请可质付财产保全及/或提供可质付财产担保等；所述可质付平台端可质付保全与担保子模块842，用于为会员申请可质付财产保全及/或提供可质付财产担保等提供审核、监管和服务，还用于对可质付报失财产、可质付保全财产及/或可质付担保财产，采取可质付保全及/或可质付担保措施等；
可质付生效裁决追踪子模块343/643/843，所述可质付生效裁决追踪子模块343/643/843， 包括：会员端可质付生效裁决追踪子模块343/643和可质付平台端可质付生效裁决追踪子模块843；所述会员端可质付生效裁决追踪子模块343/643，包括：卖家会员端可质付生效裁决追踪子模块343和买家会员端可质付生效裁决追踪子模块643，用于会员执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等；所述可质付平台端可质付生效裁决追踪子模块843，用于为会员执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等提供审核、监管和服务，还用于协助执行有关司法部门及行政部门具有强制执行力内容的生效法律文书。
参见图2所示的可质付网上交易准备的流程示意图。所述方法包括可质付网上交易准备步骤，所述可质付网上交易准备步骤，包括：
步骤A1：潜在会员使用会员端电子设备1/4，通过互联网等互联互通网络，登录会员端可质付网上交易系统3/6，完成注册认证，取得注册会员资格；其中，取得卖家会员注册会员资格，还需完成店铺认证和货物品质认证；所述潜在会员指拟接受或已接受可质付会员章程和可质付规则、尚未注册或虽已注册但尚未取得注册会员资格的自然人、法人或非法人组织；所述注册会员指已取得注册会员资格的潜在会员，除注册认证或交易时明示不具有相应民事行为能力外，推定注册会员具有符合注册地或交易地法律规定的相应民事行为能力。
会员端电子设备1/4未安装会员端可质付网上交易系统3/6的，可通过可质付平台或其授权或许可的会员端可质付网上交易系统下载端，下载安装会员端可质付网上交易系统；潜在会员还可通过购买经可质付平台或可质付平台提供商授权或许可、预装会员端可质付网上交易系统的电子设备终端产品等方式，获得会员端可质付网上交易系统。
步骤A2：注册会员通过会员端可质付网上交易系统3/6可质付管理模块32/62，开立可质付账户；可质付平台7为注册会员开立可质付基本账户，并开通承赎可质付会员权限；注册会员为法人或非法人组织，其法定代表人或负责人尚开立可质付账户的，为其法定代表人或负责人开立可质付个人基本账户，并开通承赎可质付权限；所述可质付账户，根据主体不同，可分为可质付个人账户和可质付单位账户，根据可质付电子币种类的不同，可分为可质付金币账户、可质付银币账户、可质付铜币账户、可质付铁币账户、可质付锡币账户等，根据用途不同，可分为可质付基本账户、可质付专用账户和可质付临时账户等，根据是否记名，可分为可质付记名账户和可质付匿名账户，根据购币方式不同，可分为可质付实币账户和可质付信币账户，可质付信币账户又称可质付信用账户，根据作为计价依据法定货币的不同，可分为可质付本币账户、可质付外币账户等；所述会员权限，包括可质付交易和可质付等会员权限，其中，可质付交易会员权限不限于承赎可质付(单币可质付)，还包括匿名可质付 (光币可质付)、快捷可质付(票币可质付)、信用可质付(信币可质付)、部分质付、转质付、部分转质付、自赎可质付、议付可质付、电子现金支付、第三方支付等会员权限。
注册会员开立可质付账户后，通过线上或线下以现金、银行转账或第三方支付等方式，向可质付平台提供商缴存费用，购买可质付电子币，进行可质付账户充值；可质付平台提供商将实际缴存费用，即购币会员缴存费用扣减手续费、服务费等费用后的余额，也即实际收取费用按照法定货币与可质付电子币的一定比率，兑换为确定种类和数额的可质付电子币，比如按照人民币与百淘通宝银币1：1比率将1元人民币兑换为1枚百淘通宝银币，并通过可质付平台端可质付网上交易系统8可质付管理模块82，存入购币会员可质付账户，实现可质付账户充值；所述可质付电子币不限于百淘通宝银币，还包括百淘通宝金币、百淘通宝铜币、百淘通宝铁币、百淘通宝锡币等百淘通宝币，以及其他具有质押支付功能的数字产品。
注册会员也可通过线上或线下等支付方式，直接向可质付平台指定的银行收款账户缴存费用，购买可质付电子币，然后登录会员端可质付网上交易系统3/6可质付管理模块32/62，自行进行可质付账户充值；还可通过包括且不限于办理可质付会员卡、联名卡、信用卡或购买可质付购物卡、充值卡等方式，购买可质付电子币，进行可质付账户充值；非特别说明，本发明所称的可质付电子币指可质付银币，所称的可质付电子币发售人、承赎人、赎回付款人或最后赎回付款人指可质付平台或可质付平台提供商。
未签订可质付双向多边保障协议的注册会员，首次购买可质付电子币，需签订可质付双向多边保障协议；已签订可质付双向多边保障协议的，可质付平台自动识别并准予购买可质付电子币或进行可质付账户充值。
购币会员可申请签发可质付权票，作为购买可质付电子币的权利凭证，未申请签发可质付权票的，购买可质付电子币的可质付进账流水记录，与可质付权票具有同等效力。
步骤A3：卖家会员使用会员端电子设备1/4登录会员端可质付网上交易系统3/6店铺管理模块33/义铺管理模块63，进入可质付店铺，把货物以法定货币计价，以可质付电子币标价；义卖会员在对义卖物品标价前，需完成义卖物品备案；买家会员使用会员端电子设备4/1登录可质付网上交易系统6/3义铺管理模块63/店铺管理模块33，进入可质付商城或可质付店铺，选定货物；非特别说明，本发明所称的卖家会员包括销售义卖物品的买家会员，所称的买家会员包括购买货物的卖家会员，所称的义卖会员包括销售义卖物品的买家会员和卖家会员，所称的可质付店铺包括可质付义铺，所称的货物包括服务和义卖物品，相应的，所述的货款包括服务费用和义卖价款。
潜在会员在注册认证过程中或注册会员在维护会员信息或可质付信息过程中，提交或生成的 会员身份信息和电子签名信息、身份识别密码和身份验证信息、可质付密码和可质付验证信息，以及取得的会员注册号和可质付账号等信息均是重要的会员身份识别信息和可质付识别信息；注册会员使用会员端电子设备1/4登录可质付平台或进入可质付账户，需按照登录页面或窗口提示输入会员注册号或可质付账号，并输入会员身份识别信息或可质付识别信息；可质付平台7通过人工、自动或其他方式对会员身份信息或可质付信息进行识别验证；验证通过，准予登录，并向与所述会员注册号绑定的会员主用通讯设备21/51/22/52发送验证成功信息；验证失败，拒绝登录，并向与所述会员注册号绑定的会员通讯设备21/51/22/52发放验证失败信息。注册会员发现他人未本人经许可或同意，擅自使用或盗用其会员注册号或可质付账号登录可质付平台或进入可质付账户的，可通过会员备用通讯设备22/52，申请强制退出可质付平台或可质付账户。
参见图3所示的可质付网上交易的流程示意图。所述方法包括可质付网上交易步骤，所述可质付网上交易步骤，包括：
步骤B1：买家会员选定货物后，使用会员端电子设备4/1登录会员端可质付网上交易系统6/3义铺管理模块63/店铺管理模块33，下达可质付订单；非特别说明，本发明所述可质付订单包括可质付义卖订单。
买家会员下达可质付订单后，卖家会员通过会员端电子设备1/4登录会员端可质付网上交易系统3/6店铺管理模块33/义铺管理模块63，接受可质付订单；卖家会员在规定或约定期限内未接受亦未拒绝接受可质付订单的，视为无理由拒绝接受可质付订单，即无理由拒单；卖家会员以买家会员存在多次无理由退换货记录或无理由拒单记录、可质付侵权违约记录、可质付差评记录、未履行可质付罚款或可质付生效裁决义务记录等为由，拒绝接受可质付订单的，不视为无理由拒单；可质付订单自卖家会员接受时生效，双方约定可质付定金的，则自买家会员实际交付定金时生效；生效的可质付订单，对双方具有可质付约束力。
买家会员在下达可质付订单前或卖家会员在接受可质付订单前，可通过会员端可质付网上交易系统6/3会员管理模块63/33，查询对方会员的可质付认证、可质付能力、可质付信用、可质付争议、可质付评价和可质付售后服务等方面的公开信息。
在买家会员下达或卖家会员接受可质付订单时，可质付平台7对其可质付网上交易权限进行审核；审核通过的，准予下达或接受可质付订单，审核不通过的，拒绝下达或接受可质付订单；所述可质付网上交易权限审核包括注册认证信息审核和可质付能力审核；所述注册认证信息审核是对会员登录信息与会员登录所用会员注册号或可质付账号绑定的会员身份识别信息或可质付识别信息进行一致性审核；所述可质付能力审核是对会员持有的可质付电子 币及可质付信用额度是否充足，以及是否具有相应会员权限进行审核；会员不因可质付网上交易审核而免责，可质付平台不因可质付网上交易审核而担责。
步骤B2：卖家会员接受可质付订单后，买家会员使用会员端电子设备4/1进入会员端可质付网上交易系统6/3可质付管理模块62/32，登录可质付账户，根据约定按照货款的一定比例，指令可质付平台7从其可质付账户向所述卖家会员可质付账户，支付确定种类和数额的可质付电子币，以可质付方式支付定金；选择票币可质付的买家会员，还需通过会员端可质付网上交易系统6/3可质付管理模块62/32，向卖家会员签发并交付记载所述可质付电子币的可质付权证；选择单币可质付的买家会员，在向卖家会员交付可质付权证前，还需将签发的可质付权证提交可质付平台提示承赎，并获得承赎；若买家会员选择部分质付，则在签发可质付权证前，还需基于记载所购买可质付电子币的可质付权票，向可质付平台申请签发以买家会员为可质付权人的可质付分权票；若买家会员部分转质付，则在签发可质付权证前，还需基于记载所收取可质付电子币的可质付权证，向可质付平台申请签发以买家会员为可质付权人的可质付分权证；若买家会员开通议付可质付会员权限，可通过缩短或推迟定期赎回付款倒计时结束时间，提前或推迟以收取的可质付电子币支付定金；选择自赎可质付的买家会员，可直接向卖家会员签发可质付权证，并自行承诺到期有条件赎回付款。
可质付定金到账后，卖家会员使用会员端电子设备1/4进入会员端可质付网上交易系统3/6可质付管理模块32/62，登录可质付账户，收取可质付定金；接受权证可质付的卖家会员，在收到可质付电子币和可质付权证后，在规定或约定期限内进行可质付权证审核；经审核，单证相符的，审核通过，签收可质付权证；卖家会员收取可质付电子币或签收可质付权证，触发可质付定期赎回付款倒计时，在可质付定期赎回付款倒计时结束前，卖家会员不得提示赎回付款或转质付；未签订可质付双向多边保障协议的注册会员，首次收取可质付电子币，需签订可质付双向多边保障协议；已签订可质付双向多边保障协议的，可质付平台自动识别并准予收取可质付电子币。
步骤B3：收到定金后，卖家会员按照订单标注的收货地址或根据买家会员指示，发送货物，并通过会员端可质付网上交易系统3/6店铺管理模块33/义铺管理模块63，确认发送货物。货物送达后，买家会员到约定收货地点或按约定收货方式，接收货物，并通过会员端可质付网上交易系统6/3义铺管理模块63/店铺管理模块33，确认收到货物；经现场验收，单货不符或货物存在明显瑕疵或/及缺陷的，可在留存证据后拒绝接收货物，并通过会员端可质付网上交易系统6/3义铺管理模块63/店铺管理模块33，确认拒绝接收货物。
步骤B4：收到货物后，买家会员通过会员端可质付网上交易系统6/3可质付管理模块62/32， 向卖家会员支付可质付尾款；双方约定可质付定金不抵作货款的，可质付尾款即为可质付全款，约定可质付定金抵作货款的，可质付尾款为可质付全款扣除已支付可质付定金后的余款。可质付尾款到账后，卖家会员在规定或约定期限内通过会员端可质付网上交易系统3/6可质付管理模块32/62，收取可质付尾款；双方约定可质付定金抵作货款的，收到可质付尾款后，可质付货款即结清，约定可质付定金不抵作货款的，收到可质付尾款后，在规定或约定期限内将已收取可质付定金返还买家会员。
步骤B5：可质付定期赎回付款倒计时结束后，卖家会员通过会员端可质付网上交易系统3/6可质付管理模块32/62，提交可质付进账流水记录等向可质付平台7提示赎回付款；接受权证可质付的卖家会员提示赎回付款，还需在交单期内提交可质付权证及相符交单等；若卖家会员开通议赎可质付会员权限，可通过缩短或推迟定期赎回付款倒计时结束时间，提前或延迟提示赎回付款；接受自赎可质付的卖家会员直接向所述买家会员提示赎回付款。
可质付平台收到提示赎回付款后，在规定或约定期限内，进行可质付赎回付款审核；若卖家会员提交可质付权证等提示赎回付款，则可质付赎回付款审核还包括可质付权证审核，且可质付权证审核结果确认与可质付赎回付款审核结果确认同步进行；审核通过后，在到期日通过可质付平台端可质付网上交易系统8可质付管理模块82，从所述卖家会员可质付账户扣划确定种类和数额的可质付电子币，并通过银行支付系统，向卖家会员指定银行收款账户支付对价赎回款，赎回可质付电子币；然后，再通过可质付平台端可质付网上交易系统8可质付管理模块82，确认赎回付款；若卖家会员开通议赎可质付会员权限，可通过缩短或推迟到期赎回付款时间，提前或推迟赎回付款；若卖家会员有可质付罚款义务未履行的，则在支付赎回款前直接予以扣划。
选择自赎可质付的买家会员，在参照权证可质付方式向所述卖家会员赎回付款后，可根据与可质付平台的约定，向可质付平台提示赎回付款。
步骤B6：可质付电子币赎回款到账后，卖家会员在规定或约定期限内通过会员端可质付网上交易系统3/6可质付管理模块32/62，确认收到对价赎回款，可质付网上交易结束；在可质付定期赎回付款倒计时结束后，卖家会员将收取的可质付电子币用于新的可质付交易的，则本次可质付网上交易，自所述可质付电子币成功质押支付时结束。
注册会员发现他人未经本人许可或同意，擅自使用或盗用其会员注册号或可质付账号登录可质付平台或进入可质付账户，从事可质付网上交易的，可通过会员备用通讯设备22/52，申请强制中止可质付交易；注册会员发现可质付电子币被盗取或盗用的，在可质付定期赎回付款倒计时结束前通过会员端可质付网上交易系统3/6争议管理模块34/64之可质付报失催 告子模块341/641，向可质付平台申请可质付电子币报失；注册会员因错误申请强制中止可质付交易或错误申请可质付电子币报失，给他人造成损失的，需自行承担赔偿损失责任。广义的可质付网上交易，还包括可质付售后服务步骤和可质付会员评价步骤，具体步骤如下：步骤B7：买家会员在接收货物后及在使用货物过程中，发现货物存在明显质量问题、严重瑕疵或出现故障的，通过会员端可质付网上交易系统6/3售后管理模块65/35，向卖家会员申请提供售后服务。
已出售货物确实存在明显质量问题、严重瑕疵或出现故障，未超过包退换货期限的，卖家会员提供退货或换货服务，并通过会员端可质付网上交易系统3/6售后管理模35/65，确认提供售后服务；超过包退换货期限但未超过质量保证期限，符合退货或换货规定的，提供退货或换货服务，不符合退货或换货规定的，提供维修或其他售后服务；超过质量保证期限，卖家会员有继续提供售后服务能力，可以维修的，提供维修服务，不可以维修但有收回价值或有收回义务的，可提供折价收回、以旧换新或其他售后服务。
在无理由包退换货承诺期内，买家会员申请无理由退货或无理由换货的，卖家会员根据买家会员申请，提供无理由退货或无理由换货服务。
步骤B8：在整个可质付网上交易过程中包括售后服务过程中，交易双方可通过会员端可质付网上交易系统6/3评价管理模66/63，对对方可质付网上交易满意度予以好中差评价。以上可质付网上交易步骤为可质付定金交易步骤，当所述可质付定金为零时，可质付定金交易转化为可质付货到付款交易；当所述可质付定金等于可质付全款时，可质付定金交易转化为可质付款到发货交易；当所述可质付定金的现金价值超过法定定金最高限额或低于法定定金最低限额(如有)或丧失可质付定金性质时，可质付定金交易转化为可质付预付款交易、可质付分期付款交易等。
参见图4所示的可质付网上交易争议裁决的流程示意图。所述方法还可以包括可质付网上交易争议裁决步骤，所述可质付网上交易争议裁决步骤，包括：
步骤C1：争议会员通过会员端电子设备1/4，进入会员端可质付网上交易系统3/6争议管理模块34/64，向可质付平台7提交可质付网上交易争议裁决申请，申请裁决可质付网上交易争议；报失会员通过可质付网上交易系统3/6争议管理模块34/64之可质付报失催告子模块341/641，提交可质付电子币报失申请，视同提交可质付网上交易争议裁决申请；申请人可通过可质付网上交易系统3/6争议管理模块34/64，从可质付专家顾问库聘请一名或数名专家顾问，为其提供顾问、咨询、代理等服务，并可指定其中一名法律顾问为己方裁决员。争议会员在提交可质付网上交易争议裁决申请前，未通过会员端可质付网上交易系统3/6 争议管理模块34/64之可质付保全与担保子模块342/642，对被申请人名下一定价值的可质付财产申请可质付财产保全并提供对价可质付财产担保的，所提可质付网上交易争议裁决申请，触发可质付保全与担保子模块342/642/842，启动可质付财产保全与担保程序；可质付平台收到可质付财产保全申请和对价可质付财产担保后，通过可质付平台端可质付网上交易系统8争议管理模块84之可质付保全与担保子模块842和可质付管理模块82，对可质付保全财产和担保财产，同步采取可质付财产冻结保全措施的同时，通过争议管理模块84，受理可质付网上交易争议裁决申请，通知被申请人在限期内提交答辩意见或催告被申请人申报可质付权利；争议会员在提交可质付网上交易争议裁决申请前，申请可质付财产保全并提供可质付财产作担保的，可质付平台对可质付保全财产和担保财产采取可质付财产预冻结保全措施，并在受理可质付网上交易争议裁决申请后，将可质付财产预冻结转为可质付财产冻结；非特别说明，本发明所述可质付财产担保包括可质付财产反担保。
除申请人申请对特定可质付财产采取可质付财产保全措施外，优先预冻结或冻结被申请人可质付账户项下的可质付银币财产，并按照已购买可质付银币、已结算可质付银币、未结算可质付银币顺序进行可质付预冻结或冻结；被申请人持有多种可质付银币的，优先预冻结或冻结可质付本位银币财产；被申请人持有的可质付银币财产不足的，按照可质付锡币、可质付铁币、可质付金币和可质付铜币等顺序进行可质付预冻结或冻结。
步骤C2：可质付平台7受理申请后，从可质付专家顾问库抽选一名律师作为首席裁决员，与争议会员指定裁决员共同组成可质付网上交易争议裁决工作组，争议会员未指定裁决员的，差额部分按照可质付网上争议裁决申请书记载的申请人、被申请人顺序抽选补足；可质付网上交易争议裁决工作组依据争议会员申请材料和答辩材料(如有)，根据可质付规则对可质付网上交易争议进行裁决，并出具可质付网上交易争议裁决书。
可质付网上交易争议裁决工作组成员意见不一致的，按照一人一票、少数服从多数、保留少数意见原则确定最终意见；成员意见正反持平的，以首席裁决员支持意见为最终意见；可质付网上交易争议裁决工作组多数意见违反有关强制性法律规定的，首席裁决员享有不可放弃的否决权，经首席裁决员否决后重新形成的多数意见仍违反有关强制性法律规定的，以首席裁决员支持意见或不违反有关强制性法律规定的相对多数意见为最终意见。
可质付网上交易争议涉及非金钱给付义务的，需按照代履行原则，将非金钱给付义务折合为确定的金钱给付义务；涉及互负金钱给付义务的，需确定履行给付义务的先后顺序；涉及可质付报失催告的，需确认报失可质付电子币的取得效力和权利归属。
步骤C3：争议会员不服可质付网上交易争议裁决，在规定期限内通过会员端可质付网上交 易系统3/6争议管理模块34/64，提交可质付网上交易争议裁决复查申请，申请对可质付网上交易争议裁决进行复查。
可质付平台7收到可质付网上交易争议裁决复查申请后，按单数原则抽选三名至九名资深专家顾问作为裁决员，组成可质付网上交易争议复查工作组，其中，律师不少于1/3；首席裁决员从专职律师中产生；可质付网上交易争议复查工作组依据可质付网上交易争议裁决案卷材料、复查申请材料、复查答辩材料(如有)，根据可质付规则对可质付网上争议进行复查，并出具可质付网上交易争议复查裁决书；可质付网上交易争议复查工作组认为原裁决意见有错误的，予以纠正；认为原裁决意见存在原则性或/及专业性错误的，撤销原裁决作出新裁决；认为原裁决正确的，予以维持。
可质付网上交易争议裁决书和可质付网上交易争议复查裁决书，统称可质付裁决书，可质付网上交易争议复查裁决书和在规定期限内未申请复查的可质付网上交易争议裁决书，均是生效可质付裁决书或可质付生效裁决书，可质付裁决书一经生效，触发可质付生效裁决追踪子模块343/643/843，启动可质付生效裁决追踪程序。
步骤C4：争议会员不服可质付网上交易争议复查裁决意见，通过会员端可质付网上交易系统3/6争议管理模块34/64，向可质付平台7申请可质付网上交易争议裁决公议；争议会员不服可质付网上交易争议裁决意见的，可申请将可质付网上交易争议裁决一并公议，但不得申请对可质付网上交易争议裁决单独公议。
可质付平台7收到可质付网上交易争议裁决公议申请后，通过可质付平台端可质付网上交易系统8之争议管理模块84，从热心会员中征集一定名额的公议会员代表，按照公议会员代表、争议会员代表和裁决员代表各占一定比例原则，组成可质付网上交易争议公议监督工作组，首席监督员从公议会员代表中产生。
可质付网上交易争议公议监督工作组组成后，在可质付平台指定区域或设定的公议栏发布可质付网上交易争议复查裁决书，组织公议，争议会员申请对可质付网上交易争议裁决一并公议的，则连同可质付网上交易争议裁决书一并发布；公议期满后，公议结果经可质付网上交易争议公议监督工作组认定后在可质付平台发布；可质付网上交易争议公议监督工作组成员对公议结果认定意见不一致的，按照一人一票、少数服从多数、保留少数意见原则确定，成员意见正反持平的，以首席监督员支持意见为最终意见。
可质付公议，不停止可质付生效裁决的执行，也不改变可质付生效裁决的结果。
参见图5所示的可质付先予赔偿暨生效裁决执行的流程示意图。所述可质付网上交易方法还可以包括可质付生效裁决执行暨先予赔偿步骤，所述可质付生效裁决执行暨先予赔偿步 骤，包括：
步骤D1：可质付裁决书生效后，承担可质付生效裁决确定义务的注册会员，在规定期限内未通过会员端可质付网上交易系统3/6争议管理模块34/64之可质付生效裁决追踪子模块343/643，履行可质付生效裁决确定义务的，享有可质付生效裁决确定权利的注册会员，在规定期限内通过会员端可质付网上交易系统6/3争议管理模块64/34之可质付生效裁决追踪子模块643/343，向可质付平台7申请可质付生效裁决执行暨先予赔偿。
可质付平台7在规定期限内通过可质付平台端可质付网上交易系统8争议管理模块84之可质付生效裁决追踪子模块843，受理申请。
步骤D2：可质付平台7受理申请后，按照就低不就高原则，根据可质付生效裁决确定或折合的金钱给付总额、未履行的金钱给付总额和申请人申请的执行款总额，认定可质付执行款总额，并根据可质付争议订单总额、申请人保全或获得担保的可质付财产总额和认定的可质付执行款总额，认定可质付先赔金总额；可质付执行款总额及可质付先赔金总额，经申请人确认后确定。
步骤D3：可质付先赔金总额确定后，可质付平台7通过可质付平台端可质付网上交易系统8可质付管理模块82，向申请人支付可质付先赔金，履行可质付双向多边保障协议义务，完成可质付先予赔偿；然后，行使可质付双向多边保障协议权利，直接从被申请人被保全或提供担保的可质付财产中扣划对价可质付财产，向被申请人追回可质付先赔损失；被申请人被保全或提供担保的可质付财产不足的，不足部分，按照被申请人、担保人顺序从被申请人、担保人的可质付账户项下直接扣划。
若认定的可质付先赔金低于认定的可质付执行款总额，差额部分，从被申请人被保全或提供担保的可质付财产中直接扣划；被申请人被保全或提供担保的可质付财产不足以支付可质付差额执行款的，不足部分，待申请人追加或申请可质付财产保全后，从追加或申请的可质付保全财产中扣划；被申请人被保全或提供担保的可质付财产不足以支付可质付先赔损失及可质付差额执行款的，按照可质付先赔损失优先于可质付差额执行款原则执行；可质付先赔损失全部追回及可质付执行款全部执行完毕，可质付生效裁决执行暨先予赔偿结束。
以上所述仅为本发明的实施例，旨在帮助理解本发明的实质精神、基本原理和核心思想，不应理解为对本发明的限制；而且，对于本领域的一般技术人员来说，在不背离本发明精神、原理和思想的前提下，具体实施方式及应用范围均存在可修改、替换、改进、组合、简化和润饰之处，所有这些修改、替换、改进、组合、简化和润饰，均应视为等效的置换方式，并包含在本发明的保护范围之内。

Claims (33)

  1. 一种可质付网上交易系统，其特征在于：该系统包括：会员端、可质付平台、可质付网上交易系统，它们通过互联互通网络连接，该系统是广义的可质付网上交易系统。
  2. 根据权利要求1所述的一种可质付网上交易系统，其特征在于：所述会员端，包括会员端电子设备，所述会员端电子设备安装会员端可质付网上交易系统，用于登录可质付平台，购买可质付电子币，进行可质付网上交易等；所述会员端电子设备包括卖家会员端电子设备和买家会员端电子设备，所述会员端可质付网上交易系统包括卖家会员端可质付网上交易系统和买家会员端可质付网上交易系统。
  3. 根据权利要求1所述的一种可质付网上交易系统，其特征在于：所述会员端，还包括会员通信设备，所述会员通信设备包括卖家会员通信设备和买家会员通信设备，包括：主用通信设备和备用通信设备，用于与可质付平台进行会员识别信息及可质付识别信息验证通信和可质付交易信息通信；备用通信设备还用于在会员注册认证信息或/及可质付账户绑定信息发生变动或出现异常交易时接收信息变动或异常交易提醒，处理变动信息或异常交易。
  4. 根据权利要求1所述可质付网上交易系统，其特征在于：所述会员端，包括：卖家会员端，所述卖家会员端包括卖家会员端电子设备、卖家会员通信设备和卖家会员端可质付网上交易系统，用于卖家会员进行卖家会员资格注册认证、店铺认证、货物品质认证，购买可质付电子币，登录可质付平台，进行可质付网上交易等。
  5. 根据权利要求1所述可质付网上交易系统，其特征在于：所述会员端，包括买家会员端，所述买家会员端包括买家会员端电子设备、买家会员通信设备和买家会员端可质付网上交易系统，用于买家会员进行买家会员资格注册认证、义卖物品备案，购买可质付电子币，登录可质付平台，进行可质付网上交易等。
  6. 根据权利要求1所述可质付网上交易系统，其特征在于：所述会员端，包括会员端可质付网上交易系统，所述会员端可质付网上交易系统包括卖家会员端可质付网上交易系统和买家会员端可质付网上交易系统，用于连接可质付平台端可质付网上交易系统，并用于发送、接收、存储和处理可质付网上交易数据电文，购买可质付电子币，登录可质付平台，进行可质付网上交易等。
  7. 根据权利要求1所述可质付网上交易系统，其特征在于：所述会员端，包括：
    会员管理模块，用于会员注册认证，开通会员权限，存储、验证和维护会员信息和会员身份识别信息，查询注册会员公开信息等；可质付管理模块，用于会员开立可质付账户，购买、存放、收付和结算可质付电子币，签发或签收可质付票证，办理可质付承赎、赎回付款或转质付，存储、验证和维护可质付电子币信息、会员可质付信息和会员可质付识别信息，还用 于切断盗窃电子现金的路径等；店铺管理模块/义铺管理模块，用于卖家会员办理店铺认证、货物品质认证、义卖物品备案、接受或下达可质付订单或可质付义卖订单、存储和维护店铺和货物信息，或用于买家会员进行义卖物品备案、下达可质付订单、接受或下达可质付义卖订单、存储和维护义铺和义卖物品信息，办理义铺升级店铺等；争议管理模块，用于会员申请可质付网上交易争议裁决，处理可质付网上交易争议，抽选专家顾问和指定己方裁决员，执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等；售后管理模块，用于会员提供或接受可质付网上交易售后服务；评价管理模块，用于会员进行可质付网上交易评价。
  8. 根据权利要求1所述的一种可质付网上交易系统其特征在于：所述可质付平台，即可质付网上交易平台，是可质付平台端电子设备和通信设备的总称，所述可质付平台安装可质付平台端可质付网上交易系统，用于接收、存储、处理和发送可质付网上交易数据电文和通讯信息，并提供可质付电子币购销、存放、收付、承赎、赎回付款和结算等服务；包括：
    会员管理模块，用于为会员注册认证、开通会员权限、查询注册会员公开信息等提供审核、监管和服务，并用于存储、验证和维护会员信息和会员身份识别信息；可质付管理模块，用于为会员开立可质付账户，购买、存放、收付和结算可质付电子币，签发或签收可质付票证，办理可质付承赎、赎回付款或转质付等提供审核、监管和服务，存储、验证和维护可质付电子币信息、会员可质付信息和会员可质付识别信息，并用于对采取可质付保全或担保措施的可质付报失财产、可质付保全财产及/或可质付担保财产同步采取可质付预冻结、冻结或解除可质付预冻结、冻结措施等，还用于切断盗窃电子现金的路径；店铺管理模块(义铺管理模块)，用于为会员办理店铺认证或义铺升级店铺、货物品质认证或义卖物品备案、下达或接收可质付订单或可质付义卖订单等提供审核、监管和服务，存储和维护店铺/义铺和货物/义卖物品信息等；争议管理模块，用于为会员申请可质付网上交易争议裁决、处理可质付网上交易争议、抽选专家顾问和指定己方裁决员、执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等提供审核、监管和服务，还用于协助执行有关司法部门及行政部门具有强制执行力内容的生效法律文书等；售后管理模块，用于为会员提供或接受可质付网上交易售后服务等提供审核、监管和服务；评价管理模块，用于为会员进行可质付网上交易评价等提供审核、监管和服务。
  9. 根据权利要求1所述的一种可质付网上交易系统其特征在于：所述可质付网上交易系统，包括会员端可质付网上交易系统和可质付平台端可质付网上交易系统，该系统是狭义的可质付网上交易系统，连接会员端和可质付平台，用于会员购买可质付电子币，登录可质付平台，进行可质付网上交易等，并为会员购买可质付电子币，登录可质付平台，进行可质付网上交 易等提供审核、监管和服务，包括：
    会员管理模块，用于会员注册认证，开通会员权限，存储、验证和维护会员信息和会员身份识别信息，查询注册会员公开信息等，并为会员注册认证、开通会员权限、查询注册会员公开信息等提供审核、监管和服务，并用于存储、验证和维护会员信息和会员身份识别信息；可质付管理模块，用于会员开立可质付账户，购买、存放、收付和结算可质付电子币，签发或签收可质付票证，办理可质付承赎、赎回付款或转质付，存储、验证和维护可质付电子币信息、会员可质付信息和会员可质付识别信息，还用于切断盗窃电子现金的路径等，并为会员开立可质付账户，购买、存放、收付和结算可质付电子币，签发或签收可质付票证，办理可质付承赎、赎回付款或转质付等提供审核、监管和服务，存储、验证和维护可质付电子币信息、会员可质付信息和会员可质付识别信息，并用于对采取可质付保全或担保措施的可质付报失财产、可质付保全财产及/或可质付担保财产同步采取可质付预冻结、冻结或解除可质付预冻结、冻结措施等，还用于切断盗窃电子现金的路径；店铺管理模块或/及义铺管理模块，用于用于卖家会员办理店铺认证、货物品质认证、义卖物品备案、接受或下达可质付订单或可质付义卖订单、存储和维护店铺和货物信息，或用于买家会员进行义卖物品备案、下达可质付订单、接受或下达可质付义卖订单、存储和维护义铺和义卖物品信息，办理义铺升级店铺等，并为会员办理店铺认证或义铺升级店铺、货物品质认证或义卖物品备案、下达或接收可质付订单或可质付义卖订单等提供审核、监管和服务，存储和维护店铺/义铺和货物/义卖物品信息等；争议管理模块，用于用于会员申请可质付网上交易争议裁决，处理可质付网上交易争议，抽选专家顾问和指定己方裁决员，执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等，并为会员申请可质付网上交易争议裁决、处理可质付网上交易争议、抽选专家顾问和指定己方裁决员、执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等提供审核、监管和服务，还用于协助执行有关司法部门及行政部门具有强制执行力内容的生效法律文书等；售后管理模块，用于会员提供或接受可质付网上交易售后服务，并为会员提供或接受可质付网上交易售后服务等提供审核、监管和服务；评价管理模块，用于会员进行可质付网上交易评价，并为会员进行可质付网上交易评价等提供审核、监管和服务。
  10. 根据权利要求7、权利要求8和权利要求9所述的可质付网上交易系统，其特征在于：所述争议管理模块，还包括可质付报失催告子模块，用于会员申请可质付电子币报失，追回被盗或丢失的可质付电子币，并为会员申请可质付电子币报失，追回被盗或丢失的可质付电子币等提供审核、监管和服务；所述可质付报失催告子模块包括会员端可质付报失催告子模块和可质付平台端可质付报失催告子模块，所述会员端可质付报失催告子模块包括卖家会员 端可质付报失催告子模块和买家会员端可质付报失催告子模块。
  11. 根据权利要求7、权利要求8和权利要求9所述的可质付网上交易系统，其特征在于：所述争议管理模块，还包括可质付保全与担保子模块，用于会员申请可质付财产保全及/或提供可质付财产担保等，并为会员申请可质付财产保全及/或提供可质付财产担保等提供审核、监管和服务，还用于对可质付报失财产、可质付保全财产及/或可质付担保财产，采取可质付保全及/或可质付担保措施等；所述可质付保全与担保子模块包括会员端可质付保全与担保子模块和可质付平台端可质付保全与担保子模块，所述会员端可质付保全与担保子模块包括卖家会员端可质付保全与担保子模块和买家会员端可质付保全与担保子模块。
  12. 根据权利要求7、权利要求8和权利要求9所述的可质付网上交易系统，其特征在于：所述争议管理模块，还包括可质付生效裁决追踪子模块，用于会员执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等，并为会员执行可质付生效裁决或申请可质付生效裁决执行暨先予赔偿等提供审核、监管和服务，还用于协助有关司法部门或行政部门执行具有强制执行力内容的生效法律文书；所述可质付生效裁决追踪子模块包括会员端可质付生效裁决追踪子模块和可质付平台端可质付生效裁决追踪子模块，所述会员端可质付生效裁决追踪子模块包括卖家会员端可质付生效裁决追踪子模块和买家会员端可质付生效裁决追踪子模块。
  13. 一种可质付网上交易方法，其特征在于：该方法是一种以具有质押支付功能和双向多边保障功能的可质付电子币为质付物质押支付货款的新型网上交易方法，简称可质付交易或可质付，包括以下步骤：
    步骤A：可质付网上交易准备步骤；
    步骤B：可质付网上交易步骤。
  14. 根据权利要求13所述可质付网上交易方法，其特征在于：所述可质付网上交易准备步骤，包括：
    步骤A1：登录会员端可质付网上交易系统，完成注册认证，取得注册会员资格；
    步骤A2：开立可质付账户，购买可质付电子币，进行可质付账户充值；未签订可质付双向多边保障协议的注册会员，首次购买可质付电子币，需签订可质付双向多边保障协议；
    步骤A3：卖家会员把货物以法定货币计价，以可质付电子币标价；买家会员选定货物。
  15. 根据权利要求13所述可质付网上交易方法，其特征在于：所述可质付网上交易步骤，包括：
    步骤B1：买家会员下达可质付订单；卖家会员接受可质付订单；
    步骤B2：卖家会员接受可质付订单后，买家会员根据约定按照货款的一定比例向卖家会员 支付可质付电子币，以可质付方式支付定金；
    卖家会员收取可质付定金；未签订可质付双向多边保障协议的注册会员，首次收取可质付电子币，需签订可质付双向多边保障协议；
    步骤B3：收到定金后，卖家会员发送货物；货物送达后，买家会员接收货物；
    步骤B4：收到货物后，买家会员向卖家会员支付可质付尾款；卖家会员收取可质付尾款；
    步骤B5：卖家会员向可质付平台提交可质付进账流水记录等提示赎回付款；
    可质付平台收到提示赎回付款后，进行可质付赎回付款审核；审核通过后，在到期日向卖家会员支付对价赎回款，赎回可质付电子币；
    步骤B6：卖家会员确认收到对价赎回款，可质付网上交易结束；卖家会员将收取的可质付电子币用于新的可质付交易的，则本次可质付网上交易，自所述可质付电子币成功质押支付时结束；
    以上可质付网上交易步骤为可质付定金交易步骤，当所述可质付定金为零时，可质付定金交易转化为可质付货到付款交易；当所述可质付定金等于可质付全款时，可质付定金交易转化为可质付款到发货交易；当所述可质付定金的现金价值超过法定定金最高限额或低于法定定金最低限额(如有)或丧失可质付定金性质时，可质付定金交易转化为可质付预付款交易、可质付分期付款交易等。
  16. 根据权利要求13所述可质付网上交易方法，其特征在于：所述方法还可以包括可质付网上交易争议裁决步骤，所述可质付网上交易争议裁决步骤，包括：
    步骤C1：可质付网上交易争议裁决申请与受理；争议会员未申请可质付财产保全并提供对价可质付财产担保的，所提可质付网上交易争议裁决申请，触发可质付保全与担保子模块，启动可质付财产保全与担保程序；可质付平台对可质付保全和担保财产采取可质付财产保全措施后，受理可质付网上交易争议裁决申请；
    步骤C2：可质付网上交易争议裁决；
    步骤C3：可质付网上交易争议裁决复查；可质付网上交易争议复查裁决书和在规定期限内未申请复查的可质付网上交易争议裁决书，均是生效可质付裁决书或可质付生效裁决书，可质付裁决书一经生效，触发可质付生效裁决追踪子模块，启动可质付生效裁决追踪程序；步骤C4：可质付网上交易争议裁决公议；可质付公议不停止可质付生效裁决的执行，也不改变可质付生效裁决的结果。
  17. 根据权利要求13所述可质付网上交易方法，其特征在于：所述方法还可以包括可质付生效裁决执行暨先予赔偿步骤，所述可质付生效裁决执行暨先予赔偿步骤，包括：
    步骤D1：可质付生效裁决执行暨先予赔偿申请与受理；
    步骤D2：确定可质付执行款总额和可质付先赔金总额；
    步骤D3：向申请人支付可质付先赔金，向被申请人追回可质付先赔损失，执行可质付差额执行款(如有)；可质付先赔损失全部追回及可质付执行款全部执行完毕，可质付生效裁决执行暨先予赔偿结束。
  18. 一种可质付网上交易方法，其特征在于：所述可质付网上交易包括光币可质付交易，所述光币可质付交易指仅以可质付电子币为质付物质押支付货款的可质付交易，光币可质付交易，可质付电子币可单独使用、无需与可质付权证一起使用，不记名，又称匿名可质付交易。
  19. 一种可质付网上交易方法，其特征在于：所述可质付网上交易包括权证可质付交易，所述权证可质付交易指可质付电子币必须和记载所述可质付电子币的可质付权证一起使用的可质付交易，权证可质付交易，可质付权证记载可质付权人信息，又称记名可质付交易。
  20. 如权利要求19所述的可质付网上交易方法，其特征在于：所述权证可质付交易包括跟单可质付交易；所述跟单可质付交易，又称单币可质付交易指可质付电子币必须和记载所述可质付电子币的可质付权证一起使用、且可质付权证所附可质付单据不限于可质付权票的可质付交易，跟单可质付交易，可质付权证需经提示承赎并获得可质付平台承赎方可使用，又称承赎可质付交易。
  21. 如权利要求19所述的可质付网上交易方法，其特征在于：所述权证可质付交易还包括跟票可质付交易，所述跟票可质付交易，又称票币可质付交易指可质付电子币必须和记载所述可质付电子币的可质付权证一起使用、且可质付权证所附可质付单据仅限于可质付权票的可质付交易，跟票可质付交易是特殊的跟单可质付交易；跟票可质付交易，可质付权证无需提示承赎即可获得可质付平台承赎，又称快捷可质付交易。
  22. 如权利要求21所述的可质付网上交易方法，其特征在于：所述票币可质付交易包括实票可质付交易，所述实票可质付交易，又称实币可质付交易指以先付费方式购买的可质付电子币为质付物质押支付货款的票币可质付交易；实币可质付交易不限于实票可质付交易，还包括光币可质付交易等。
  23. 如权利要求21所述的可质付网上交易方法，其特征在于：所述票币可质付交易还包括信票可质付交易，所述信票可质付交易，又称信用可质付交易或信币可质付交易指以后付费方式购买的可质付电子币为质付物质押支付货款的票币可质付交易。
  24. 一种可质付网上交易方法，其特征在于：所述可质付网上交易包括质付交易，所述质付交易指以购买的可质付电子币为质付物质押支付货款的可质付网上交易；以收取的匿名可质 付电子币为质付物质押支付货款的可质付交易视为质付交易。
  25. 如权利要求24所述的可质付网上交易方法，其特征在于：所述质付交易包括部分质付交易，所述部分质付交易指将单次购买的记名可质付电子币分成若干份，以其中一份为质付物质押支付货款的可质付交易。
  26. 一种可质付网上交易方法，其特征在于：所述可质付网上交易包括转质付交易，所述转质付交易指以收取的记名可质付电子币为质付物质押支付货款的可质付交易。
  27. 如权利要求26所述的可质付网上交易方法，其特征在于：所述转质付交易包括部分转质付，所述部分转质付指将单次收取的记名可质付电子币分成若干份，以其中一份为质付物质押支付货款的可质付交易称部分转质付交易。
  28. 一种可质付网上交易方法，其特征在于：所述可质付网上交易包括混合可质付交易，所述混合可质付交易指以购买和收取的可质付电子为质付物质押支付货款的可质付交易，混合可质付交易还包括且不限于以不同种类可质付电子币为质付物质押支付货款的可质付交易。
  29. 一种可质付网上交易方法，其特征在于：所述可质付网上交易包括自赎可质付交易，所述自赎可质付交易买家会员以可质付电子币为质付物质押支付货款，并自行承诺有条件到期赎回付款的可质付交易。
  30. 一种可质付网上交易方法，其特征在于：所述可质付网上交易包括委赎可质付交易，所述委赎可质付交易指买家会员以可质付电子币为质付物质押支付货款，并委托可质付平台有条件到期赎回付款的可质付交易。
  31. 一种可质付网上交易方法，其特征在于：所述可质付网上交易包括议付可质付交易，所述议付可质付交易指通过调整(缩短/延长)定期赎回付款倒计时结束时间，以收取的可质付电子币快速付款或延迟付款的可质付交易。
  32. 如权利要求31所述的可质付网上交易方法，其特征在于：所述议付可质付交易包括光币快付可质付交易，所述光币快付可质付交易指通过缩短定期赎回付款倒计时结束时间，以收取的可质付光币快速付款的可质付交易。
  33. 如权利要求31所述的可质付网上交易方法，其特征在于：所述议付可质付交易包括票币快付可质付交易，所述票币快付可质付交易指通过缩短定期赎回付款倒计时结束时间，以收取的可质付票币快速付款的可质付交易。
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CN117454433A (zh) * 2023-12-22 2024-01-26 北京天润基业科技发展股份有限公司 交易处理方法及装置
CN117454433B (zh) * 2023-12-22 2024-02-23 北京天润基业科技发展股份有限公司 交易处理方法及装置
CN117952619A (zh) * 2024-03-26 2024-04-30 南京赛融信息技术有限公司 基于数字人民币钱包账户关联性的风险行为分析方法、系统及计算机可读介质
CN117952619B (zh) * 2024-03-26 2024-06-07 南京赛融信息技术有限公司 基于数字人民币钱包账户关联性的风险行为分析方法、系统及计算机可读介质

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