CN101582145A - Network transaction payment system - Google Patents
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- CN101582145A CN101582145A CNA2008100973725A CN200810097372A CN101582145A CN 101582145 A CN101582145 A CN 101582145A CN A2008100973725 A CNA2008100973725 A CN A2008100973725A CN 200810097372 A CN200810097372 A CN 200810097372A CN 101582145 A CN101582145 A CN 101582145A
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Abstract
The invention discloses a network transaction payment system used for realizing the conformity of a goods receiver and a goods payment receiver of a transaction invoice and an actual goods receiver and a goods payment receiver in the process of network transaction. The system comprises a buyer bank subsystem, a seller bank subsystem and a transaction management subsystem, wherein the buyer bank subsystem is used for managing a buyer transaction account and a business virtual account; after a received buyer payment request is verified and passed by a buyer, payable money is remitted from the buyer transaction account to the business virtual account, a notification of successful payment of the buyer is sent, and the payment from the business virtual account to a seller transaction account is carried out according to the received notification of the payment to the seller; the seller bank subsystem is used for managing the seller transaction account and feeding back a notification of payment receiving to the seller after receiving the payment; and the transaction management subsystem is used for sending the buyer payment request to the buyer bank subsystem, feeding back the received notification of the successful payment of the buyer to the seller and sending the notification of the payment to the seller to the buyer bank subsystem after receiving the confirming information of goods receiving of the buyer.
Description
Technical field
The present invention relates to the network trading technical field, establish especially and a kind of network trading payment technology.
Background technology
Transaction often will expend the ample resources and the time of enterprise between traditional enterprise, is to sell, distribute or purchase all will take cost of products.Along with the development of Internet technology, the technology of carrying out commercial operation by the internet more and more is subjected to people's attention.
Wherein, B2B (Business To Business, business to business) is exactly the electronic commerce affair that carries out product, service and message exchange between enterprise and the enterprise by the internet.At present very swift and violent based on the speed of development of the B2B of internet.By the mode of doing business of internet B2B, buyer enterprise and seller enterprise can finish the whole service flow process on the net, from setting up inno logo, to getting a good buy by shopping around, to bargaining, signing a bill and deliver goods, arrive customer service at last again.Internet B2B makes the transaction between the enterprise reduce many businesslike workflows and managerial cost, has reduced the enterprise operation cost, network convenient and prolong Shen Xingye and make enterprise enlarge scope of activities, and enterprise development is trans-regional and trans-national more convenient, and cost is cheaper.Though existing internet B2B possesses plurality of advantages, but also there are some problems, such as internet B2B after the add-on third party transaction platform, logistics is that seller enterprise directly sends to buyer enterprise, cash flow is the buyer enterprise third party's payment platform of paying the bill, pay the bill to seller enterprise by third party's payment platform again, like this, buying on the logistics document, selling both sides is buyer enterprises, seller enterprise, and buying on actual seller's account, selling both sides then is third party and seller enterprise, both parties on seller's account of both parties on the logistics document and reality are not inconsistent, and the buyer can not obtain correct invoice, thereby has produced the invoice problem.
As seen, the online payment channel of existing network transaction goods take over party, the payment for goods take over party who writes down in the invoice that can't guarantee to conclude the business is consistent with goods take over party, the payment for goods take over party of reality respectively.
Summary of the invention
The embodiment of the invention provides a kind of network transaction payment system, is consistent with goods take over party, the payment for goods take over party of reality respectively in order to goods take over party, the payment for goods take over party who realizes transaction invoice record in the network trading process.
The embodiment of the invention provides a kind of network transaction payment system, wherein,
Buyer's bank subsystem is used to manage buyer's trading account and enterprise virtual account; Wherein, at the buyer's payment application that receives after buyer audit is passed through, in the enterprise virtual account of from described buyer's trading account, payables being transferred, and send buyer's successful payment notice, and from described enterprise virtual account, pay the bill to seller's trading account according to the notice that receives to seller's payment;
Seller's bank subsystem is used to manage described seller's trading account; Wherein, receive the payment of described buyer's bank subsystem after, received the notice of payment to seller feedback;
The trade management subsystem, be connected with seller's bank subsystem with described buyer's bank subsystem, be used to receive buyer's payment application of buyer, this buyer's payment application is transmitted to described buyer's bank subsystem, and buyer's successful payment notice that described buyer's bank subsystem sends is fed back to the seller; And, receive after the confirmation receiving the buyer, send notice to described buyer's bank subsystem to seller's payment.
When the network transaction payment system that using the embodiment of the invention provides carries out network trading, the entitlement of enterprise virtual account belongs to buyer enterprise, the right of eminent domain belongs to the trade management subsystem, buyer's bank subsystem from the enterprise virtual account after seller's trading account payment, what seller's bank subsystem showed buys, selling both sides is respectively buyer enterprise, seller enterprise, the goods take over party that writes down in the invoice of transaction like this, the payment for goods take over party just can be respectively and the goods take over party of reality, payment for goods the take over party be consistent, make buyer enterprise can obtain correct transaction invoice, thereby solved the invoice problem.
Description of drawings
Fig. 1 is a network transaction payment system structural drawing in the embodiment of the invention;
Fig. 2 carries out the method flow diagram of network trading for application network trading payment system in the embodiment of the invention;
Fig. 3 collects the method flow diagram of buyer's bank service charges for buyer's bank subsystem in the embodiment of the invention;
Fig. 4 is a Withdrawing method process flow diagram in the embodiment of the invention.
Embodiment
For solving problems of the prior art, the embodiment of the invention proposes a kind of network transaction payment system.
Consult shown in Figure 1ly, the network transaction payment system that the embodiment of the invention provides comprises trade management subsystem 11, buyer's bank subsystem 12 and seller's bank subsystem 13, wherein,
Buyer's bank subsystem 12 is used to manage buyer's trading account and enterprise virtual account; Wherein, at the buyer's payment application that receives after buyer audit is passed through, in the enterprise virtual account of from buyer's trading account, payables being transferred, and send buyer's successful payment notice, and from the enterprise virtual account, pay the bill to seller's trading account according to the notice that receives to seller's payment;
Seller's bank subsystem 13 is used to manage seller's trading account; Wherein, receive the payment of buyer's bank subsystem 12 after, received the notice of payment to seller feedback;
Trade management subsystem 11, be connected with seller's bank subsystem 13 with buyer's bank subsystem 12, be used to receive buyer's payment application of buyer, this buyer's payment application is transmitted to buyer's bank subsystem 12, and buyer's successful payment notice that buyer's bank subsystem 12 sends is fed back to the seller; And, receive after the confirmation notice that sends to seller's payment to buyer's bank subsystem 12 receiving the buyer.
Wherein, the notice to seller's payment comprises full payment notice or payment in part notice.Full payment notice indication is with the seller's trading account of all transferring of the payables in the enterprise virtual account; The payment in part notice indication business service expense that trade management subsystem 11 sets in advance of from the enterprise virtual account payables being transferred is collected in the account, with the seller's trading account of transferring of the residue payables in the enterprise virtual account, the payment in part notice comprises that the business service expense amount of money and business service expense collect account number information.Business service expense be the trade management subsystem in advance and seller enterprise consult, such as: seller enterprise is when agreeing to enjoy the service of trade management subsystem, with being intended to after every Successful Transaction, agree that perhaps certain proportion according to turnover is to trade management subsystem payment transaction service fee to the business service expense of N1 yuan of trade management subsystem payment.All notices to seller's payment all as previously mentioned in the embodiment of the invention.
In addition, buyer's bank subsystem 12 also is used to manage buyer's bank service charges and collects account, seller's bank service charges and collect the bank service charges payment account that account and trade management subsystem 11 are provided with; Wherein, from the bank service charges payment account, trade management subsystem 11 should be collected in the account to buyer's bank service charges of buyer's bank subsystem 12 payment buyer's bank service charges of transferring, trade management subsystem 11 should be collected in the account to seller's bank service charges of seller's bank subsystem 13 payments seller's bank service charges of transferring.
In addition, can collect buyer's bank service charges from trade management subsystem 11 in order to realize buyer's bank subsystem 12, consult shown in Figure 1, this network transaction payment system also comprises service fee management bank subsystem 14, at this moment, buyer's bank subsystem 12, also be used for sending buyer's bank service charges Payment Request to service fee management bank subsystem 14, buyer's bank service charges Payment Request comprises that buyer's bank service charges is collected account number and trade management subsystem 11 should be to buyer's bank service charges amount information of buyer's bank subsystem 12 payments;
Service fee management bank subsystem 14, the buyer's bank service charges Payment Request that is used for receiving is transmitted to trade management subsystem 11, and after receiving the notice that buyer's bank service charges Payment Request audit that trade management subsystem 11 sends passes through, the buyer's bank service charges of from the bank service charges payment account that trade management subsystem 11 is provided with buyer's bank service charges being transferred is collected in the account;
Trade management subsystem 11 also is used to receive buyer's bank service charges Payment Request, audit buyer bank service charges Payment Request, and audit by the time return the notice that audit is passed through to service fee management bank subsystem 14.
In addition, by service fee management bank subsystem 14, seller's bank subsystem 13 can also be collected seller's bank service charges from trade management subsystem 11, at this moment, seller's bank subsystem 13, also be used for sending seller's bank service charges Payment Request to service fee management bank subsystem 14, seller's bank service charges Payment Request comprises that seller's bank service charges is collected account number and trade management subsystem 11 should be to seller's bank service charges amount information of seller's bank subsystem 13 payments;
Service fee management bank subsystem 14, the seller's bank service charges Payment Request that is used for receiving is transmitted to trade management subsystem 11, and after receiving the notice that seller's bank service charges Payment Request audit that trade management subsystem 11 sends passes through, the seller's bank service charges of from the bank service charges payment account that trade management subsystem 11 is provided with seller's bank service charges being transferred is collected in the account;
Trade management subsystem 11 also is used to receive seller's bank service charges Payment Request, audit seller bank service charges Payment Request, and audit by the time return the notice that audit is passed through to service fee management bank subsystem 14.
In the network trading process, it is dissatisfied and claim for refund or the seller wants to Cancel Transaction or the buyer wants to Cancel Transaction etc. that situation takes place to the goods received often to have the buyer, at this moment, trade management subsystem 11, also be used for after buyer's bank subsystem 12 is transferred payables to the enterprise virtual account, receive the refund request that comprises reimbursement reason and refund amount information that the buyer provides, the rationality of checking refund request, and when definite refund request is reasonable, send the reimbursement notice that comprises refund amount information to buyer's bank subsystem 12;
Buyer's bank subsystem 12 also is used for according to the reimbursement notice that receives, and in the buyer's trading account of from enterprise virtual account payables corresponding reimbursement being transferred, the residue payables of enterprise virtual account is transferred in seller's trading account.Certainly, buyer's bank subsystem 12 can also be fed back refunded notice to trade management subsystem 11 and buyer.
In addition, the fraud of but not paying the bill to seller enterprise after successfully receiving goods for fear of buyer enterprise takes place, trade management subsystem 11, also be used for when buyer's bank subsystem 12 at the trade management subsystem in 11 predefined time limit of payment at the latest, not from the enterprise virtual account when seller's trading account is paid the bill, close this time network trading.After trade management subsystem 11 was closed this time network trading, buyer's bank subsystem 12 can not be dialled the payables of transaction this time from the enterprise virtual account to seller's trading account once more.
Using this network transaction payment system carries out in the network trading process, the entitlement of enterprise virtual account belongs to buyer enterprise, but the right of eminent domain is to belong to the trade management subsystem, buyer's bank subsystem from the enterprise virtual account after seller's trading account payment, what seller's bank subsystem showed buys, selling both sides is respectively buyer enterprise, seller enterprise, the goods take over party that writes down in the invoice of transaction like this, the payment for goods take over party just can be respectively and the goods take over party of reality, payment for goods the take over party be consistent, make buyer enterprise can obtain correct transaction invoice, thereby solved the invoice problem.
With an embodiment method flow that utilizes network transaction payment system of the present invention to carry out the network trading payment is described below:
Consult shown in Figure 2ly, buyer enterprise and seller enterprise create after the transaction by network trading platform:
S201, buyer enterprise login payment transaction account, wherein, the corresponding buyer's trading account of payment transaction account.
Wherein, because buyer's trading account to buyer's bank subsystem should be arranged, therefore, has only the payment transaction account corresponding with buyer's trading account, could guarantee in the subsequent transaction payment process that system can be to the correct buyer's bank subsystem Sending Payments application of correspondence.
S202, buyer enterprise send buyer's payment application to the trade management subsystem, comprise information such as trading order form number, the payables amount of money, buyer's trading account number, buyer's enterprise name, seller's trading account number and seller's enterprise name in buyer's payment application at least.
S203, trade management subsystem receive after buyer's payment application, according to the information that provides in buyer's payment application, transmit payment application to buyer's bank subsystem of correspondence, and send the advice of payment.
After S204, buyer's bank subsystem receive the buyer's payment application and the advice of payment, buyer's payment application is fed back to buyer enterprise.
S205, buyer enterprise examine buyer's payment application and return auditing result to buyer's bank subsystem.
The auditing result that provides behind the audit buyer of the buyer enterprise payment application is provided for S206, buyer's bank subsystem, and judges whether by audit:
If then continue to carry out S207;
Otherwise carry out S215, buyer's bank subsystem is returned audit not by notice to the trade management subsystem, and further, the trade management subsystem can also not feed back to buyer enterprise by notice with audit.
S207, buyer's bank subsystem are transferred payables to from buyer's trading account in the enterprise virtual account, and send buyer's successful payment notice to the trade management subsystem.
Wherein, the enterprise virtual account is carried out bank management by buyer's bank subsystem.
The enterprise virtual account stores the information such as order number, buyer's trading account number, buyer's enterprise name, seller's trading account number and seller's enterprise name of payables correspondence.
S208, trade management subsystem receive after buyer's successful payment notice, to the feedback buyer of seller enterprise successful payment notice, and to seller enterprise transmission shipping order.
S209, seller enterprise provide shipped notice to the trade management subsystem after delivery.
S210, trade management subsystem feed back to buyer enterprise with shipped notice, and buyer enterprise is known.
S211, buyer enterprise send buyer's confirmation of having received to the trade management subsystem after successfully receiving goods.
S212, trade management subsystem receive the buyer and have received after the confirmation, send notice to seller's payment to buyer's bank subsystem.
S213, buyer's bank subsystem are according to the indication to the notice of seller's payment, from the seller trading account payment of enterprise virtual account to seller's bank subsystem.
Wherein, if the notice to seller's payment is the payment in part notice, then buyer's bank subsystem will be from enterprise virtual account payables be collected the business service expense business service expense that the trade management subsystem sets in advance of transferring in the account, and returns business service to the trade management subsystem and take prepaid notice.
S214, seller's bank subsystem receive after the payment that feedback seller trading account has been received the notice of payment to seller enterprise.
If buyer's bank subsystem has been extracted the business service expense among the S213 from enterprise virtual account payables, then seller's trading account has been received the business service expense amount information that can also comprise extraction in the notice of payment among the S214, so that seller enterprise is known.
In addition, the fraud of but not paying the bill to seller enterprise after successfully receiving goods for fear of buyer enterprise takes place, the trade management subsystem can preestablish the time limit of payment at the latest, when buyer's bank subsystem at the trade management subsystem in the predefined time limit of payment at the latest, not from the enterprise virtual account when seller's trading account is paid the bill, the trade management subsystem is closed this time network trading, and buyer's bank subsystem can not be dialled the payables of transaction this time from the enterprise virtual account to seller's trading account once more.
Wherein, after S213, buyer's bank subsystem can also be collected buyer's bank service charges that the trade management subsystem is enjoyed its bank service, buyer's bank service charges is consulted with buyer's bank subsystem in advance by the trade management subsystem, such as: the trade management subsystem is with being intended to pay buyer's bank service charges of N2 yuan to buyer's bank subsystem after every Successful Transaction.If it is shown in Figure 3 that the bank service charges payment account that the trade management subsystem sets in advance by the subsystem responsible management of service fee management bank, is then consulted, the method that buyer's bank subsystem is collected buyer's bank service charges comprises:
S301, buyer's bank subsystem send buyer's bank service charges Payment Request to the trade management subsystem, comprise buyer's bank service charges amount information that buyer's bank service charges is collected account number and should be collected in this request.
Whether S302, trade management subsystem audit buyer bank service charges Payment Request is true, if then carry out S303; Otherwise carry out S306, the trade management subsystem returns audit not by notice to buyer's bank subsystem.
S303, trade management subsystem send audit by notice to service fee management bank subsystem.
S304, service fee management bank subsystem receive audit that the trade management subsystem returns by notice after, buyer's bank service charges that the buyer's bank subsystem of from the bank service charges payment account that the trade management subsystem sets in advance buyer's bank service charges being transferred sets in advance is collected in the account.
S305, service fee management bank subsystem send the paid notice of buyer's bank service charges to buyer's bank subsystem.
Wherein, service fee management bank subsystem can be buyer's bank subsystem itself, like this, the bank service charges payment account that buyer's bank subsystem managing transaction ADMINISTRATION SUBSYSTEM is provided with, and the buyer's bank service charges of from the bank service charges payment account buyer's bank service charges being transferred collects in the account, and/or the seller's bank service charges of from described bank service charges payment account seller's bank service charges being transferred is collected in the account.
Certainly, if buyer's bank service charges of every Successful Transaction all equates, then service fee management bank subsystem can be stored buyer's bank service charges amount information in advance, thereby needn't comprise payable buyer's bank service charges amount information in the buyer's bank service charges Payment Request among the S301; In S304, by service fee management bank subsystem receive audit that the trade management subsystem returns by notice after, extract buyer's bank service charges according to buyer's bank service charges amount information of its storage.
In like manner, seller's bank subsystem also can adopt and collect the identical method of buyer's bank service charges with buyer's bank subsystem and collect seller's bank service charges.
In the network trading process; it is dissatisfied and claim for refund or the seller wants to Cancel Transaction or the buyer wants to Cancel Transaction etc. that situation takes place to the goods received often to have the buyer; at this moment; the enterprise virtual account (promptly having carried out S201-S207) if buyer's bank subsystem has been transferred payables; then next; can according to the reasonable request of buyer enterprise the payables in the enterprise virtual account be returned buyer's trading account according to flow process as shown in Figure 4:
S401, buyer enterprise provide refund request to the trade management subsystem, comprise reimbursement reason and refund amount in the refund request.
Reimbursement reason in the refund request do not receive goods or goods not to version and returned goods or the seller non-shipment and Cancel Transaction or the seller reduces payables etc.Refund amount can be reimbursement in full, partial refund.
S402, trade management subsystem after receiving the refund request that buyer enterprise provides, the rationality of checking refund request.
S403, when refund request is reasonable, the trade management subsystem sends the reimbursement notice to buyer's bank subsystem, comprises refund amount information in the reimbursement notice.
S404, buyer's bank subsystem receive after the reimbursement notice, in the buyer's trading account of from enterprise virtual account payables corresponding reimbursement being transferred.
Wherein, if partial refund, buyer's bank subsystem seller's trading account of also remainder of enterprise virtual account payables should being transferred then.
S405, buyer's bank subsystem are fed back refunded notice to buyer enterprise.
In S405, buyer's bank subsystem can also be fed back refunded notice to the trade management subsystem.As seen,, can carry out the reimbursement operation, make the more reasonable science of network trading according to the reasonable request of buyer enterprise according to method shown in the S401-S405.
The network transaction payment system that the embodiment of the invention provides comprises trade management subsystem, buyer's bank subsystem and seller's bank subsystem, and wherein, the trade management subsystem is transmitted to buyer's bank subsystem with buyer's payment application; Buyer's bank subsystem feeds back to buyer enterprise with buyer's payment application, and confirming that the audit of buyer enterprise is by behind buyer's payment application, in the enterprise virtual account of from buyer's trading account, payables being transferred, and send buyer's successful payment notice to the trade management subsystem; The trade management subsystem feeds back to the seller with buyer's successful payment notice, and receives after the confirmation receiving the buyer, sends notice to seller's payment to buyer's bank subsystem; Buyer's bank subsystem is paid the bill to seller's trading account from the enterprise virtual account according to the notice to seller's payment; After seller's trading account receives the payment of buyer's bank subsystem, feed back the notice that seller's trading account has been received payment to the seller.Because in the technical solution of the present invention, the entitlement of enterprise virtual account belongs to buyer enterprise, but the right of eminent domain is to belong to the trade management subsystem, buyer's bank subsystem from the enterprise virtual account after seller's trading account payment, the both sides that buy, sell that seller's bank subsystem shows are respectively buyer enterprise, seller enterprise, goods take over party, the payment for goods take over party who writes down in the transaction invoice just can be consistent with goods take over party, the payment for goods take over party of reality respectively like this, make buyer enterprise can obtain correct transaction invoice, thereby solved the invoice problem.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, if of the present invention these are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the present invention also is intended to comprise these changes and modification interior.
Claims (8)
1, a kind of network transaction payment system is characterized in that, comprising:
Buyer's bank subsystem is used to manage buyer's trading account and enterprise virtual account; Wherein, at the buyer's payment application that receives after buyer audit is passed through, in the enterprise virtual account of from described buyer's trading account, payables being transferred, and send buyer's successful payment notice, and from described enterprise virtual account, pay the bill to seller's trading account according to the notice that receives to seller's payment;
Seller's bank subsystem is used to manage described seller's trading account; Wherein, receive the payment of described buyer's bank subsystem after, received the notice of payment to seller feedback;
The trade management subsystem, be connected with seller's bank subsystem with described buyer's bank subsystem, be used to receive buyer's payment application of buyer, this buyer's payment application is transmitted to described buyer's bank subsystem, and buyer's successful payment notice that described buyer's bank subsystem sends is fed back to the seller; And, receive after the confirmation receiving the buyer, send notice to described buyer's bank subsystem to seller's payment.
2, the system as claimed in claim 1 is characterized in that, described notice to seller's payment comprises full payment notice or payment in part notice,
The indication of described full payment notice is with the seller's trading account of all transferring of the payables in the enterprise virtual account;
The described payment in part notice indication business service expense that the trade management subsystem sets in advance of from the enterprise virtual account payables being transferred is collected in the account, with the seller's trading account of transferring of the residue payables in the enterprise virtual account, described payment in part notice comprises that the business service expense amount of money and business service expense collect account number information.
3, system as claimed in claim 1 or 2 is characterized in that, described buyer's bank subsystem also is used to manage buyer's bank service charges and collects account, seller's bank service charges and collect the bank service charges payment account that account and trade management subsystem are provided with; Wherein, from described bank service charges payment account, the trade management subsystem should be collected in the account to buyer's bank service charges of buyer's bank subsystem payment described buyer's bank service charges of transferring, the trade management subsystem should be collected in the account to seller's bank service charges of seller's bank subsystem payment described seller's bank service charges of transferring.
4, system as claimed in claim 1 or 2 is characterized in that, also comprises service fee management bank subsystem, wherein
Described buyer's bank subsystem, also be used for sending buyer's bank service charges Payment Request to service fee management bank subsystem, described buyer's bank service charges Payment Request comprises that buyer's bank service charges is collected account number and the trade management subsystem should be to buyer's bank service charges amount information of buyer's bank subsystem payment;
Described service fee management bank subsystem, the buyer's bank service charges Payment Request that is used for receiving is transmitted to the trade management subsystem, and after receiving the notice that buyer's bank service charges Payment Request audit that the trade management subsystem sends passes through, the described buyer's bank service charges of from the bank service charges payment account of described trade management subsystem setting buyer's bank service charges being transferred is collected in the account;
Described trade management subsystem also is used to receive described buyer's bank service charges Payment Request, examines described buyer's bank service charges Payment Request, and audit by the time return the notice passed through of audit to service fee management bank subsystem.
5, system as claimed in claim 4 is characterized in that,
Described seller's bank subsystem, also be used for sending seller's bank service charges Payment Request to service fee management bank subsystem, described seller's bank service charges Payment Request comprises that seller's bank service charges is collected account number and the trade management subsystem should be to seller's bank service charges amount information of seller's bank subsystem payment;
Described service fee management bank subsystem, the seller's bank service charges Payment Request that is used for receiving is transmitted to the trade management subsystem, and after receiving the notice that seller's bank service charges Payment Request audit that the trade management subsystem sends passes through, the described seller's bank service charges of from the bank service charges payment account of described trade management subsystem setting seller's bank service charges being transferred is collected in the account;
Described trade management subsystem also is used to receive described seller's bank service charges Payment Request, examines described seller's bank service charges Payment Request, and audit by the time return the notice passed through of audit to service fee management bank subsystem.
6, the system as claimed in claim 1 is characterized in that,
Described trade management subsystem, also be used for after described buyer's bank subsystem is transferred payables to the enterprise virtual account, receive the refund request that comprises reimbursement reason and refund amount information that the buyer provides, verify the rationality of described refund request, and when definite described refund request is reasonable, send the reimbursement notice that comprises refund amount information to buyer's bank subsystem;
Described buyer's bank subsystem also is used for according to the described reimbursement notice that receives, and in the buyer's trading account of from enterprise virtual account payables corresponding reimbursement being transferred, the residue payables of enterprise virtual account is transferred in seller's trading account.
7, system as claimed in claim 6 is characterized in that, described buyer's bank subsystem also is used for feeding back refunded notice to trade management subsystem and buyer.
8, the system as claimed in claim 1, it is characterized in that, described trade management subsystem, also be used for when buyer's bank subsystem at the trade management subsystem in the predefined time limit of payment at the latest, not from the enterprise virtual account when seller's trading account is paid the bill, close this time network trading.
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| CNA2008100973725A CN101582145A (en) | 2008-05-12 | 2008-05-12 | Network transaction payment system |
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| CNA2008100973725A CN101582145A (en) | 2008-05-12 | 2008-05-12 | Network transaction payment system |
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| CN103077454A (en) * | 2012-11-23 | 2013-05-01 | 雷桂斌 | Synchronous payment system |
| CN104766235A (en) * | 2015-04-23 | 2015-07-08 | 山东卓创资讯集团有限公司 | Bulk commodity transaction data processing system and data processing method |
| CN104778623A (en) * | 2015-04-02 | 2015-07-15 | 浙江吉利控股集团有限公司 | Network transaction system for network transaction platform and transaction platform server |
| CN105023159A (en) * | 2014-04-28 | 2015-11-04 | 腾讯科技（深圳）有限公司 | Method, device and system for feeding back business data |
| CN105046481A (en) * | 2015-04-29 | 2015-11-11 | 丁超 | Independent payment system and independent payment method for internet transactions |
| CN105160565A (en) * | 2015-07-02 | 2015-12-16 | 中联盛通（北京）科技发展有限公司 | Account management and control method and transaction platform |
| CN105160481A (en) * | 2015-09-09 | 2015-12-16 | 苏州酷创信息技术服务有限公司 | Web application system for enterprise order platform |
| CN105488718A (en) * | 2015-11-25 | 2016-04-13 | 四川诚品电子商务有限公司 | Video online auction platform |
| WO2016192584A1 (en) * | 2015-06-04 | 2016-12-08 | 阿里巴巴集团控股有限公司 | Method and device for processing information and determining invoice information |
| WO2017012073A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Electronic certificate issuing notification method, device and system |
| CN110969422A (en) * | 2018-09-29 | 2020-04-07 | 马震 | Third-party service comprehensive service system and method with payment function for international logistics line |
| CN111985983A (en) * | 2019-05-21 | 2020-11-24 | 北京车和家信息技术有限公司 | Order processing method and device, order obtaining method and terminal |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103077454A (en) * | 2012-11-23 | 2013-05-01 | 雷桂斌 | Synchronous payment system |
| CN105023159A (en) * | 2014-04-28 | 2015-11-04 | 腾讯科技（深圳）有限公司 | Method, device and system for feeding back business data |
| WO2016155625A1 (en) * | 2015-04-02 | 2016-10-06 | 浙江吉利控股集团有限公司 | Network transaction system and transaction platform server for network transaction platform |
| CN104778623A (en) * | 2015-04-02 | 2015-07-15 | 浙江吉利控股集团有限公司 | Network transaction system for network transaction platform and transaction platform server |
| CN104766235A (en) * | 2015-04-23 | 2015-07-08 | 山东卓创资讯集团有限公司 | Bulk commodity transaction data processing system and data processing method |
| CN105046481A (en) * | 2015-04-29 | 2015-11-11 | 丁超 | Independent payment system and independent payment method for internet transactions |
| CN105046481B (en) * | 2015-04-29 | 2018-08-14 | 丁超 | A kind of system and method that internet business is independently paid |
| WO2016192584A1 (en) * | 2015-06-04 | 2016-12-08 | 阿里巴巴集团控股有限公司 | Method and device for processing information and determining invoice information |
| CN105160565A (en) * | 2015-07-02 | 2015-12-16 | 中联盛通（北京）科技发展有限公司 | Account management and control method and transaction platform |
| WO2017012073A1 (en) * | 2015-07-21 | 2017-01-26 | 深圳市银信网银科技有限公司 | Electronic certificate issuing notification method, device and system |
| CN105160481A (en) * | 2015-09-09 | 2015-12-16 | 苏州酷创信息技术服务有限公司 | Web application system for enterprise order platform |
| CN105488718A (en) * | 2015-11-25 | 2016-04-13 | 四川诚品电子商务有限公司 | Video online auction platform |
| CN110969422A (en) * | 2018-09-29 | 2020-04-07 | 马震 | Third-party service comprehensive service system and method with payment function for international logistics line |
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Application publication date: 20091118 |