CN104680362A - Method of using noble metal to go shopping through communication network - Google Patents
Method of using noble metal to go shopping through communication network Download PDFInfo
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- CN104680362A CN104680362A CN201510096516.5A CN201510096516A CN104680362A CN 104680362 A CN104680362 A CN 104680362A CN 201510096516 A CN201510096516 A CN 201510096516A CN 104680362 A CN104680362 A CN 104680362A
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Abstract
The invention relates to a method of using a noble metal to go shopping through a communication network. The method comprises the following steps: a market maker publishes the purchasing price and the selling price of the noble metal through the communication network; a user learns the current basis of price from a terminal, and purchases the noble metal from the market maker to deposit into a metal account or sells the owned noble metal to the market maker; the market maker hedges cashes in hands at an exchange according to the increase and the decrease of the noble metal in hands; when the user purchases or sells a commodity, the buyer and the seller query the current price of the noble metal through the communication network and convert the money price of the commodity into equivalent noble metal, and the commodity buyer transfers the noble metal with the corresponding value in the metal account to the commodity seller account. The network technology method can meet the requirement that people holds the noble metal and uses the noble metal to purchase commodities at any time, so as to reduce the depreciation risk due to the paper currency.
Description
Technical field
The present invention relates to a kind of technology solutions, namely by the method that communication network provides noble metal to do shopping to user, particularly relating to marketmaker provides quotation and account trading service, and the risk that liquidates.This method relates to computer technology, network communication field.
Technical background
At present, national governments are all dynamic strengthens economic vitality by additional issue bank note, but consequence is exactly or high or low currency inflation makes the bank note in people's hand constantly devalue, wealth shrinkage.People have the devaluation resisting the fiduciary moneys such as bank note by possessing the noble metals such as gold and silver in history.But due to noble metal cutting and inconvenience of weighing, payment speed and transaction cost are in a disadvantageous position.
In existing payment system, known patent document " for the system and method for electronic cash, server, communication terminal and the program thereof " example described in (application number 200680028973.X).The electronic cash method of this invention is the electronic cash method being performed electronic cash process by communication network, database and payment server between users, wherein, user's deposit/withdrawal information of data base administration account, and payment server performs the course of payment between the user of transaction.This kind of electronic fare payment system embodies the circulation of electronic currency, but cannot meet noble metal and currency swap and noble metal and do shopping.
Summary of the invention
Noble metal is possessed for meeting user, and commodity or realization can be bought with noble metal at any time, the invention provides a kind of so method, user buys the metal account of noble metal stored in oneself by communication network to marketmaker, or existing noble metal returned sell to marketmaker, the noble metal of respective value in its metal account pays in the account of seller by the purchaser in the buying and selling of commodities.Marketmaker refers to that the mechanism legal person having certain strength and prestige serves as franchise deal business herein, and they constantly quote the dealing two-way trade price of certain financial product to the public, and in this price, accept the bargain transaction request of the public, to increase the market liquidity.
Technical scheme of the present invention is: support noble metal purchase transaction by communication network connection user terminal and marketmaker website, comprise following technical step:
Price issuing steps, marketmaker issues noble metal purchasing price on a communication network and sells price;
Query steps, user is by the current basis of price of noble metal of communication network inquiry marketmaker;
Deposit golden step, user sells price according to noble metal is current, buys noble metal stored in oneself metal account to marketmaker;
Scaling step, buying and selling of commodities both sides convert the money price of commodity the noble metal of corresponding equivalence to;
Payment step, commodity purchasing side user, by communication network, uses the noble metal of corresponding equivalence in its metal account to pay the commodity fund of seller;
Complete a business transaction step, user draws the noble metal material object in oneself metal account to marketmaker or draws common dollar;
Liquidate risk step, and marketmaker is according to the increase and decrease of noble metal in hand position in exchange liquidates hand.
The invention has the beneficial effects as follows, user efficiently can manage and use the noble metal in oneself metal account to carry out purchase transaction quickly and easily, and user enjoys the value preserving characteristic of noble metal in account simultaneously, resists currency inflation; Marketmaker can obtain noble metal spread and transaction commission easily.
Accompanying drawing explanation
The detailed description of consulting in conjunction with the drawings below can understand method of the present invention more perfectly, wherein:
Fig. 1 illustrates that the present invention is for carrying out the system architecture schematic diagram of noble metal purchase transaction;
Fig. 2 illustrates the functional framework module diagram of marketmaker website of the present invention;
Fig. 3 illustrates the process flow diagram of gold credit purchase in the present invention's preferred embodiment;
Fig. 4 to illustrate in the present invention's preferred embodiment that marketmaker liquidates and sells the process flow diagram of golden risk;
Embodiment
Describe the present invention in detail with reference to the accompanying drawings.
Show in detail preferred embodiment in the accompanying drawings.But, the present invention can implement by many different forms, and such as noble metal is here only for gold, should not be limited to proposed embodiment here; And provide these embodiments to be to make this explanation more complete and perfect, pass on protection scope of the present invention to other people more fully.
As shown in Figure 1, noble metal quotation server in marketmaker website obtains gold trade price at that time from the exchange's server managing noble metal transaction, marketmaker considers for profit and price of gold fluctuation, provide the gold procurement price of oneself after adjustment and sell valency, issuing out on a communication network by quotation server.User registered on marketmaker website can use the fund in the e-bank being connected to marketmaker website, buys the gold of some according to valency of selling to marketmaker, and stored in oneself metal account in metal account server.When user needs to buy some commodity, because commodity price is generally with currency marked price, commodity purchasing side's terminal needs inquiry noble metal quotation server to know that gold at that time sells price, commodity price is converted into equivalent gold weight.If merchandise sales side also has metal account in marketmaker website, then equivalent gold transfers seller account from purchaser's account, and account transition information notice both terminal, to complete commodity transaction.If user authentication servers discovery merchandise sales side is not also the user of oneself, namely seller does not open metal account on marketmaker website, then system can use the form that e-bank transfers accounts or other are traditional to complete both sides' transaction.User can not only use gold to do shopping at any time, and can enjoy the value preserving and appreciation ability of gold in oneself metal account.When user needs borrow or give back gold, the credit service device of marketmaker helps to carry out bearing interest and settling accounts.When user needs to be withdrawn by gold or cash, propose to complete a business transaction application by terminal, marketmaker deducts the gold that will complete a business transaction from its metal account, and according to completing a business transaction rule payment gold in kind, or according to purchasing price, common dollar fund is proceeded to the bank account of user.Marketmaker is unpredictable will be prepared how many gold in kind and be used for completing a business transaction, and for avoiding price volalility risk, just needs to liquidate.When marketmaker purchase gold too much time, just sell gold in exchange; When marketmaker sell gold make that in oneself book, gold is very few time, just buy in gold in exchange.
Marketmaker's web sites function framework supports above-mentioned functions, and as shown in Figure 2: user registration module allows user register essential information, comprise user name, password, mobile phone, mailbox etc., a metal account is opened to user in marketmaker website; User log-in block allows user use terminal to log in marketmaker website, checks and has how much gold and credit line in oneself metal account; User deposits golden module support user and buys the metal account of gold stored in oneself to marketmaker, relates to and inquires about gold price instantly, calculates required total fund, and connection network goes to bank account, and disburse funds to marketmaker, marketmaker transfers equivalent gold access customer metal account; User's payment module helps commodity purchasing side user to the gold of merchandise sales side user Zhi Fuyu commodity equivalence, comprise purchaser user and log in metal account inquiries gold owning amount, calculate after having paid commodity value of goods and remain gold amount, when gold owning amount pays not, invoke user credit module borrows gold to supply to marketmaker; User's credit module display credit stroke count, calculate user and remain credit account, assisting users gives back debt-credit gold; User completes a business transaction module and helps user to apply for extracting gold in kind or being sold to marketmaker cashing; Marketmaker to be opened an account in its website by account management module management numerous users of cancellation, distributes authority; Marketmaker, by the gold lend-borrow action of credit management module management user, bears interest and presses for payment of; Marketmaker makes an inventory the increase and decrease of gold in account, to be sold buy in gold, the risk of the price of gold that liquidates fluctuation by the administration module that liquidates in noble metal exchange; Marketmaker calculates the discrepancy gold of user by daily settlement module, the flowing water of statistics commodity transaction, and financial process; Marketmaker also issues up-to-date gold purchase on a communication network by noble metal quote module and sells price; Support above-mentioned functions, exchange's access module assists marketmaker to access noble metal exchange, obtains price and carries out gold bullion trading, and exchange's price of gold that this module obtains also is supplied to noble metal quote module, in order to generate the gold quotation of marketmaker; Bank's access module assisted user connects bank account in order to do shopping and to transfer accounts.
Fig. 3 is an embodiment of the design.A user wants to buy the commodity admired, the gold quotation that he uses terminal inquiry marketmaker to provide, and commodity value of goods is converted into gold amount.When he logs in the metal account of oneself, if find that the gold amount in account can pay payment for goods, then direct by equivalent specie payment in the metal account of commodity seller.If the gold in discovery account is not enough to pay payment for goods, then can use the debt-credit gold applied for marketmaker, even if the gold amount in the examination & approval amount given with marketmaker.If add by means of to gold also cannot bear commodity price, can only Cancel Transaction or change mode of doing business, such as using bank note.When commodity seller confirms to receive equivalent gold in the metal account of oneself from terminal, commodity can be paid buyer, complete transaction.Certainly marketmaker will supervise and fill principal and interest by means of golden user afterwards.
Fig. 4 is another embodiment of the design.User inquires about the current gold price that marketmaker provides, and then the gold of some is bought in application.Marketmaker makes the decision of whether selling gold according to the limit of user.As gold is sold in rejection, then terminate this activity.As agreed to sell, then generate the Web bank that user submitted to by order of withholing, confirmed to withhold by user.After completing, marketmaker increases respective numbers gold in user's metal account, and oneself account reduces respective numbers gold.When requiring for avoiding user to complete a business transaction material object, stock's gold is not enough, and the gold that marketmaker will liquidate in hand reduces.Method can be from noble metal exchange acquisition gold stock or gold spin-off.Marketmaker increases the gold storage on oneself accounts by the different means of liquidating, reduce oneself risk as marketmaker.Marketmaker also needs to carry out income statistics and user's clearing, steadily runs.Same, if when the gold in oneself metal account is sold to marketmaker by user's application, after marketmaker buys gold, also need to sell gold stock or gold spin-off to noble metal exchange, the gold increased in the hand that liquidates.
Explanation is above the preferred embodiment for implementing this method, and this method can also be used in the shopping of the noble metal such as silver, platinum, and the scope of this method is not necessarily by the restriction that these illustrate.
Claims (5)
1. use noble metal to carry out a method of doing shopping by communication network, it is characterized in that, comprise the following steps:
Marketmaker issue noble metal purchasing price by communication network and sell the price issuing steps of price,
User by the query steps of communication network inquiry noble metal current basis of price,
User sells price according to noble metal is current, to marketmaker buy noble metal stored in oneself metal account deposit golden step,
The money price of commodity is converted to the scaling step of noble metal weight,
Commodity purchasing side user by communication network, use the payment step of corresponding weight noble metal payment for merchandise fund in its metal account,
User to marketmaker draw noble metal in oneself metal account in kind or draw common dollar complete a business transaction step,
Marketmaker is according to the risk step that liquidates of the increase and decrease of noble metal in hand position in exchange liquidates hand.
2. method according to claim 1, is characterized in that in described price issuing steps, and marketmaker issues the purchasing price of one or more noble metals and sells price.
3. method according to claim 1, it is characterized in that depositing in golden step described, user sells price according to the current of noble metal, and the currency using it to have buys the noble metal of respective numbers stored in its metal account to marketmaker.
4. method according to claim 1, is characterized in that in described payment step, and commodity purchasing side user uses its metal account to transfer the noble metal of respective numbers in the metal account of merchandise sales side user, in order to pay purchase the fund of commodity.
5. method according to claim 1, it is characterized in that in described payment step, commodity purchasing side user is when in its metal account, noble metal lazy weight is with payment for merchandise fund, and the noble metal borrowing sufficient amount to marketmaker carries out credit payment, in order to complete commodity purchasing transaction.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510096516.5A CN104680362A (en) | 2015-03-04 | 2015-03-04 | Method of using noble metal to go shopping through communication network |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510096516.5A CN104680362A (en) | 2015-03-04 | 2015-03-04 | Method of using noble metal to go shopping through communication network |
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| CN104680362A true CN104680362A (en) | 2015-06-03 |
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| CN201510096516.5A Pending CN104680362A (en) | 2015-03-04 | 2015-03-04 | Method of using noble metal to go shopping through communication network |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107153989A (en) * | 2017-05-22 | 2017-09-12 | 陈骙旭 | A kind of gold diamond method of commerce and system |
| CN111353863A (en) * | 2020-03-31 | 2020-06-30 | 中国建设银行股份有限公司 | Bond quotation system and bond quotation method |
| CN114820143A (en) * | 2022-06-30 | 2022-07-29 | 深圳市弘裕金联科技有限公司 | Intelligent transaction method and system for noble metal buying and selling |
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| WO1994018640A1 (en) * | 1993-02-10 | 1994-08-18 | Turk James J | Method and system for commodity-based currency for payment of accounts |
| CN101777222A (en) * | 2009-01-12 | 2010-07-14 | 张永钢 | Electronic currency trading system |
| CN104361520A (en) * | 2014-11-18 | 2015-02-18 | 刘晋峰 | Wealth account establishing and wealth transaction implementation method |
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| WO1994018640A1 (en) * | 1993-02-10 | 1994-08-18 | Turk James J | Method and system for commodity-based currency for payment of accounts |
| CN101777222A (en) * | 2009-01-12 | 2010-07-14 | 张永钢 | Electronic currency trading system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107153989A (en) * | 2017-05-22 | 2017-09-12 | 陈骙旭 | A kind of gold diamond method of commerce and system |
| CN111353863A (en) * | 2020-03-31 | 2020-06-30 | 中国建设银行股份有限公司 | Bond quotation system and bond quotation method |
| CN114820143A (en) * | 2022-06-30 | 2022-07-29 | 深圳市弘裕金联科技有限公司 | Intelligent transaction method and system for noble metal buying and selling |
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Application publication date: 20150603 |