CN107844966A - Has the method for commerce of guarantee fund - Google Patents
Has the method for commerce of guarantee fund Download PDFInfo
- Publication number
- CN107844966A CN107844966A CN201610834234.5A CN201610834234A CN107844966A CN 107844966 A CN107844966 A CN 107844966A CN 201610834234 A CN201610834234 A CN 201610834234A CN 107844966 A CN107844966 A CN 107844966A
- Authority
- CN
- China
- Prior art keywords
- user
- guarantee fund
- transaction
- trading platform
- network trading
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
- G06Q30/0619—Neutral agent
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Marketing (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Computer Security & Cryptography (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The present invention is a kind of method of commerce for having guarantee fund, when network trading platform is traded, average price and guarantee fund ratio of the network trading platform according to the target of transaction, user is calculated in the guarantee fund paid needed for this transaction, and guarantee fund is returned in user after the completion of transaction, when Fail Transaction, then guarantee fund is given to another user to compensate separately according to the loss of user.
Description
Technical field
The invention relates to a kind of method of commerce, and in particular in the process of exchange of article, branch pays earnest money
During ensuring that wherein a side does not honour an agreement, the opposing party can obtain guarantee fund to make up the tool guarantee fund of the tool guarantee fund of partial loss
Method of commerce.
Background technology
In the epoch that network is not yet popularized, people are nearly all using the side for going window-shopping and watching advertisement when buying commodity
Formula, obtaining obtaining merchandise news, then according to resulting merchandise news decide whether to continue to complete consumer behavior, but this
The way of sample can consume people's substantial amounts of time, in busy present of social step, go window-shopping and watched advertisement gradually
It is difficult to evacuate the activity carried out as modern.
Fortunately as the arriving of Internet Age, internet turn into a part indispensable in people's daily life, respectively
The website of formula various kinds difference in functionality is gradually incorporated in daily life, can be online to when doing shopping different types of online
Business site (such as PCHOME shopping, blog come network audience, Ebay), by the development of various online transaction websites so that
The general common people in addition to manufacturer can also add the transaction or exchange that online transaction website carries out article.
When people carry out the transaction of article in such online transaction website, people are no longer customers in shopping with selling
Aspect opposite, the transaction that look at goods true and article is carried out against the valuable thing such as legal tender or credit card,
But connected to network with electronic equipment, browsed through browser or mobile applications program (APP, Mobile Application)
Article on network simultaneously carries out the transaction of article, and in the case where buying article with money, buyer can pass through and transfer accounts, transfer, online
The mode prices such as payment gold, the seller are then matched somebody with somebody with mailing, residence, and the mode such as picking gives article face to face；And with article trading thing
Both sides can then be posted in the case of product, residence is matched somebody with somebody or the mode such as picking gives article face to face.
And during the transaction of these articles, most risky part is price gold and gives article, often
It can occur after a wherein side pays valency gold or article, the opposing party does not give the valency gold or article appointed but, therefore, most of
Online transaction website has all imported the mechanism of user's evaluation, gives the evaluation point of this process of exchange mutually by both parties
Number, so that subsequent use person refers to, however, this method is only capable of giving both parties one referential numerical value, can not
Effectively prevent a wherein side and do not give the valency gold or article appointed.
The content of the invention
The main object of the present invention, is to provide a kind of method of commerce for having guarantee fund, and the first user first pays during transaction
Guarantee fund is to third party's account, and when the first user fails to carry out transaction, the second user in transaction can obtain guarantee fund with more
Mend the method for commerce of the tool guarantee fund of partial loss.
For up to each purpose and effect of above-mentioned denotion, one embodiment of the invention is to disclose a kind of friendship for having guarantee fund
Easy method, its step include：When network trading platform is traded, the first user pays first for first user and second user
Guarantee fund is into the third party account of third-party server, and after the completion of transaction, third-party server is returned the first guarantee fund and given
First user.
In one embodiment of the invention, wherein the first guarantee fund is second user institute in network trading platform foundation transaction
Average price of the first object of proposition in network trading platform obtains after being multiplied by first user's guarantee fund's ratio.
In one embodiment of the invention, wherein network trading platform according to the first user one first customer transaction into
Work(number, one first user's credit scoring, one first customer transaction required time, one first customer transaction number, one first
The combination of one of the customer transaction amount of money or one first customer transaction risk factor or more persons adjust the first user guarantee fund ratio
Example.
In one embodiment of the invention, wherein before transaction completion, method further includes：Second user pays the
Two guarantee fund are to third party account, and third-party server returns the second guarantee fund and gives the second user after the completion of transaction.
In one embodiment of the invention, wherein second guarantee fund is network trading platform according to the first user in transaction
Average price of the second target proposed in network trading platform obtains after being multiplied by second user guarantee fund's ratio.
In one embodiment of the invention, wherein the network trading platform is merchandised according to the second user of the second user
Number of success, one second user's credit scoring, second user transaction required time, a second user transaction count, one the
The combination adjustment second user guarantee fund of one of the two customer transaction amount of money or a second user transaction risk coefficient or more persons
Ratio.
In one embodiment of the invention, wherein in returning the first guarantee fund to the first user when third-party server
The first object that the second user is proposed in the second target for being proposed the first user in transaction before step and transaction is delivered to
After switching centre, first object is delivered to the first user and the second target is delivered into the second user by switching centre.
In one embodiment of the invention, wherein after the completion of transaction, network trading platform notice third-party server is handed over
Easily complete.
Brief description of the drawings
Fig. 1：It is the flow chart of the method for commerce of the tool guarantee fund of the first embodiment of the present invention；
Fig. 2：It is the schematic diagram of the method for commerce of the tool guarantee fund of the first embodiment of the present invention；
Fig. 3：It is the flow chart of the method for commerce of the tool guarantee fund of the second embodiment of the present invention；And
Fig. 4：It is the schematic diagram of the method for commerce of the tool guarantee fund of the second embodiment of the present invention.
【Figure number is to as directed】
10 first users
101 first electronic installations
30 network trading platforms
301 databases
50 second users
501 second electronic devices
70 third-party server
90 switching centres
Embodiment
In order that the present invention architectural feature and it is reached the effect of have a better understanding and awareness, spy with preferably
Embodiment and cooperation detailed description, are described as follows：
In previous technology, in the process of exchange of network trading, a wherein side can occur often and pay valency gold or thing
After product, the opposing party does not give the situation of the valency gold appointed or article but, therefore proposes one kind when being traded by mutual consent
First branch pays earnest money to third party's account, and when wherein a side does not honour an agreement, the opposing party can obtain guarantee fund to make up part damage
The method of commerce of the tool guarantee fund of mistake.
Illustrate the flow of the method for commerce of the tool guarantee fund of the first embodiment of the present invention herein, referring to Fig. 1, it is this
The flow chart of the method for commerce of the tool guarantee fund of the first embodiment of invention.As illustrated, the friendship of the tool guarantee fund of the present embodiment
Its step of easy method includes：
Step S1：It is traded in network trading platform；
Step S3：Branch pays earnest money；
Step S5：Whether transaction is completed；
Step S7：Return guarantee fund；And
Step S9：Fail Transaction compensates.
Then explanation is reaches the system needed for the method for commerce of the tool guarantee fund of the present invention, referring to Fig. 2, it is this hair
The schematic diagram of the method for commerce of the tool guarantee fund of bright first embodiment.As illustrated, the counterparty of the tool guarantee fund of the present invention
The system of method includes：One first electronic installation 101, a network trading platform 30, a second electronic device 501 and third party clothes
Business device 70.Above-mentioned first electronic installation 101, the second electronic device 501 can be intelligent mobile phone, personal digital assistant
(PDA), tablet PC, notebook computer, desktop computer etc. can carry out the electronic installation of arithmetic and logic operation, wherein the
One electronic installation 101 is all for one first user 10, and second electronic device 501 is all for one second user 50.
Above-mentioned network trading platform 30 is the server that an offer user carries out network trading, and user puts down in network trading
The target of the transaction carried out on platform 30 can be article, money or speciality (such as professor's mathematics, national literature, computer application, rod
Ball, roller-skating etc.), authorize, intention (such as design trade mark, write official documents and correspondence etc.), labour (such as carry article, weeding, sweep by help
Deng) or other immaterial commodity.
The 3rd above-mentioned server 70 is a bank server, credit card server, on-line payment server etc..
The flow during method of commerce execution of the tool guarantee fund of the first embodiment of the present invention is will be described below, refers to figure
1 and Fig. 2..When user is traded in network trading platform, step S1 to step S9 will be performed.
In step S1, it is traded in network trading platform, the first user 10 is online to through the first electronic installation 101
Network trading platform 30 simultaneously agrees to that carrying out one with second user merchandises, and this transaction passes through second electronic device for second user 50
501 log in network trading platform 30.For changing, second user 50 in network trading platform 30 propose to be traded one
First object, it is intended to carry out this transaction, therefore the first user with second user after the first user connects to the internet network transaction platform 30
10 propose one second target, when both sides are desirable, you can carry out this transaction in network trading platform 30.
In step S3, branch pays earnest money, and the first user 10 pays one first guarantee fund to third-party server 70
In third party's account, the mode of its guarantee fund of means of payment first to third party's account can be transfer accounts, remit money, on-line payment, letter
With card pay, without folding deposit or other pays moneys to account mode.Network trading platform 30 is according in database 301 first
The average price of target obtains payment needed for the first user 10 after being multiplied by first user's guarantee fund's ratio of the first user 10
The first guarantee fund.For example, the average price of first object is 1000 yuan in database 10, the first user guarantee fund ratio
Example is 10%, then it is 100 yuan to be paid needed for the first user 10 to the first guarantee fund of third party's account.The network trading platform
30 can adjust first user's guarantee fund's ratio according to the transaction records of the first user 10, wherein the transaction records of the first user are one
First customer transaction number of success (such as successfully complete altogether transaction 50 times, each monthly average merchandise successfully 10 times, nearly five days friendship
Easily success is 1 inferior), (such as total credit scoring is 100 points, monthly average credit scoring is 95 for one first user's credit scoring
Point, nearly credit scoring on the five be 90 to grade), the time required to one first customer transaction (such as set up from transaction to transaction complete it is flat
Be required to 2 days), one first customer transaction number (such as altogether in network trading platform 30 merchandise 50 times, each monthly average carry out
10 transaction, carried out within nearly 12 transaction etc.), the one first customer transaction amount of money (such as altogether dealing money be 100,000, it is near
One month dealing money is 10,000, nearly five Day Trading amount of money text 1,000 etc.) or one of one first customer transaction risk factor or
The combination of more persons.Wherein the first customer transaction risk factor refer to the region risk of the region of the first user 10, consumer's risk,
One of product riskses or the combination of more persons.
Above-mentioned region risk is to instigate whether the region residing for user is that higher money laundering region or money fear the higher area of risk
Domain.Above-mentioned user's risk instigate user's background, occupation with socio-economic activity characteristic, and when user be company's line number or
It is then tissue and framework etc. during body corporate, judges that the money laundering of user and money fear risk to section.Above-mentioned product riskses are
Article, service or the property using path of the target provided according to user, identification may be that it brings higher money laundering
And money fears risk.When the money laundering for judging user raise funds to fear risk it is higher when, then customer transaction risk factor is also relative improves.
In step S5, whether transaction is completed, and when the first user 10 receives first object, is filled through first electronics
Putting 101 the first messages of transmission notifies the network trading platform to have been received by first object, when the second user 50 receives the second target
When, send the second message through the second electronic device 501 and notify the network trading platform to have been received by first object.The network is handed over
Easy platform 30 judges whether, in receiving the first message and the second message in a transaction time limit of this transaction, to receive when in the transaction time limit
To step S7 is performed when the first message and the second message, as execution step S9 when only the first message is received in the time limit of merchandising.
In step S7, guarantee fund is returned, network trading platform 30 notifies that third-party server 70 will be in third party's account
In the first guarantee fund return to the first user, its return mode can be transfer accounts, remit money, on-line payment, Credit Card Payments, nothing
Deposit or other pays moneys are rolled over to the mode of account.
In one embodiment of the invention, when returning guarantee fund, part service charge can be deducted from the first guarantee fund.Lift
For example, when the first guarantee fund is 100 yuan and service charge is 10%, the first user can receive 90 yuan.
In step S9, Fail Transaction compensation, when only receiving the second message in the transaction time limit of network trading platform 30, i.e.,
Fail Transaction is represented, network trading platform 30 notifies third-party server 70 to give the first guarantee fund in third party's account
Second user, to compensate the partial loss of the second user.
In this i.e. complete the first embodiment of the present invention tool guarantee fund method of commerce flow, in the present embodiment,
The first user, which first props up, before transaction pays earnest money into third party's account, and when the first user does not honour an agreement, the second user can
The guarantee fund paid with obtaining the first user makes up partial loss, and this guarantee fund is the transaction records dynamic through user
Adjustment, the higher user of credit, which can enjoy, pays the preferential of relatively low guarantee fund.
The example when method of commerce of the tool guarantee fund of this illustration first embodiment of the present invention applies in life
Son, refer to Fig. 1 and Fig. 2.As a buyer (equivalent to first user 10) using personal computer (equivalent to the first electronic installation
101) network trading platform (equivalent to network trading platform 30) is online to, and searches a seller and (is used equivalent to second
Person 50) through intelligent mobile phone logged in (equivalent to second electronic device 501) network trading platform peddle a computer trip
The transaction played (equivalent to first object), buyer propose to be intended to buy (equivalent to the second target) with 1000 yuan in network trading platform
This computer game, and the seller also agrees to that peddling this computer game gives buyer (equivalent to step S1).
Continue above-mentioned, network trading platform obtains the flat of this computer game in database (equivalent to database 301)
Equal price is 1200 yuan, and the transaction records network trading platform according to buyer obtains guarantee fund's ratio of buyer (equivalent to the
One user guarantee fund ratio) it is 10%, network trading platform notifies the guarantee fund that buyer must pay 120 yuan (equivalent to first
Guarantee fund) to third party's account (equivalent to third party's account), and buyer by 120 yuan of guarantee fund to transfer accounts to third party's account
In, third-party server 70 notifies network trading platform buyer to be paid earnest money to prop up after the first guarantee fund is received, and network is handed over
Easy platform then notifies the seller to give computer game and notifies buyer paid 1000 yuan (equivalent to step S3).
Continue above-mentioned, the first message is sent (equivalent to first through personal computer after buyer receives computer game
Message), the second message (equivalent to the second message) is sent after the seller receives 1000 yuan, it is in transaction that network trading platform, which judges,
The first message and the second message (equivalent to step S5) are received in time limit, network trading platform notifies third-party server by buyer
Guarantee fund returns to buyer (equivalent to step S7).
Then illustrate the method for commerce of the tool guarantee fund of the second embodiment of the present invention, refer to Fig. 3 and Fig. 4, it is this
The flow chart and schematic diagram of the method for commerce of the tool guarantee fund of the second embodiment of invention.As illustrated, the present embodiment and first
The difference of embodiment is：Step S4 is further included in the present embodiment：Target is delivered into switching centre and a switching centre 90, remaining
It is all identical with first embodiment, repeated no more in this.
Above-mentioned switching centre 90 is that a logistics center has an electronic installation can be online with network trading platform 30, is obtained
Transaction situation on network trading platform, for changing, through the electronic installation of logistics center, the administrative staff of switching centre 90
The target in each transaction on network trading platform is can determine that, to ensure that the target for being sent to switching centre 90 is transaction really
Proposed in target.
In step S4, the first user 10 by the second target proposed in step S1 to post, express delivery, give in person
Reach or other modes deliver to switching centre 90, first object is then delivered to switching centre 90, works as switching centre by the second user 50
90 when receiving first object and the second target, and first object is delivered to the first user and the second target is delivered into by switching centre
Two users.
By the second embodiment of the present invention, the completion of transaction can be more ensured, while can also be by logistics
The heart 90 confirms the integrality of target in advance, to prevent follow-up Transaction Disputes occur.
In one embodiment of the invention, after step S3, one of the first user 10 or the second user 50
Message network transaction platform 30 is cancelled in a transmittable transaction, and another user sends one and confirms that cancelling message to network trading puts down
After platform 30, network trading platform 30 cancels this transaction, and network trading platform 30 notifies third-party server 70, and first is ensured
Gold returns to the first user 10.Wherein, transaction cancels message and confirms that it is to cancel in the time limit sending in a transaction to cancel message
To network trading platform 30.
In one embodiment of the invention, in step S3, in addition to one first user must pay the first guarantee fund, also may be used
It is required that the second user 50 pays one second guarantee fund into third party account, network trading platform 30 is according in database 301
The average price of second target is obtained needed for the second user 50 after being multiplied by second user's guarantee fund's ratio of second user 50
The second guarantee fund paid.Network trading platform 30 can be according to transaction records adjustment second user guarantee fund's ratio of second user 50
Example, the wherein transaction records of second user are second user transaction number of success, one second user's credit scoring, one second
Customer transaction required time, a second user transaction count, a second user dealing money or a second user transaction risk system
One of number or the combination of more persons.
Remove the first user above-mentioned and must pay the first guarantee fund to tripartite's account, and the second user 50 will also pay one
Second guarantee fund is into the embodiment of third party's account, when receiving the first guarantee fund that the first user 10 paid or second make
One of second guarantee fund that user 50 is paid and another user is not yet propped up when paying earnest money, making of paying earnest money is propped up
User can cancel paid guarantee fund, and guarantee fund will pass through third party's account and be transferred to the use that branch pays earnest money after cancellation
Account specified by person.
Remove the first user above-mentioned and must pay the first guarantee fund to tripartite's account, and the second user 50 will also pay one
Second guarantee fund is into the embodiment of third party's account, when receiving the first guarantee fund that the first user 10 paid and receive
During the second guarantee fund that two users 50 are paid, the first user 10 or second user 50 can be sent to network trading platform 30
One complaint message, the complaint for appealing message to merchandise on this (such as：When wherein side's delay in delivery time, inquiry problem
Poor manner etc.), the complaint merchandised on this is notified another user by network trading platform 30, if another user is not
When sending reply message a to network trading platform before a complaint expiration of time limit, the user's retrieval to lodge a complaint is paid
Guarantee fund and obtain the guarantee fund that another user is paid, if network trading platform 30 in complaint the time limit in receive another make
Transmitted by user one reply message when, then continue executing with step S7.
Remove the first user above-mentioned and must pay the first guarantee fund to tripartite's account, and the second user 50 will also pay one
Second guarantee fund is into the embodiment of third party's account, in step S7, when network trading platform 30 receives in the transaction time limit
When the first message and the second message, network trading platform 30 notifies third-party server 70 to protect first in third party's account
Card gold returns to the first user 10 and the second guarantee fund is returned into the second user 50.
Remove the first user above-mentioned and must pay the first guarantee fund to tripartite's account, and the second user 50 will also pay one
Second guarantee fund is into the embodiment of third party's account, in step S9, is only received when in the transaction time limit of network trading platform 30
During the first message, network trading platform 30 notifies third-party server 70 to give the by the second guarantee fund in third party's account
One user, to compensate the partial loss of the first user, and the first guarantee fund is returned into the first user 10.
In one embodiment of the invention, in step S5, when network trading platform receives what the first user 10 was sent
After one of second message that first message or second user 50 are sent, confirm not receiving another user institute in the time limit in one
The message that sends and another user is not received yet propose that this transaction is cancelled, the target that receives has flaw to network trading platform 30
Or during complaint message on this transaction, still perform step S7.
Remove the first user above-mentioned and must pay the first guarantee fund to tripartite's account, and the second user 50 will also pay one
Second guarantee fund is into the embodiment of third party's account, and after step S3, the first user 10 or the second user 50 are wherein
One of a transmittable transaction cancel message network transaction platform 30, and another user sends one and confirms that cancelling message to network hands over
After easy platform 30, network trading platform 30 cancels this transaction, and network trading platform 30 notifies third-party server 70 to be protected first
Card gold returns to the first user 10 and the second guarantee fund is returned into the second user 50.Wherein, transaction cancel message and really
It is to cancel in the time limit sending to network trading platform 30 in a transaction to recognize cancellation message.
Above is only presently preferred embodiments of the present invention, is not used for limiting the scope that the present invention is implemented, Fan Yibenfa
The equivalent changes and modifications carried out by shape, construction, feature and spirit described in bright right, all should be included in the present invention
Right in.
Claims (11)
1. a kind of method of commerce for having guarantee fund, it is characterised in that its step includes：
One first user carries out a transaction with a second user in a network trading platform；
First user pays third party's account of one first guarantee fund a to third-party server；And
The third-party server returns first guarantee fund and gives first user after the completion of the transaction.
2. the method for commerce of tool guarantee fund as claimed in claim 1, it is characterised in that wherein first guarantee fund is the net
Flat fare of the first object that network transaction platform is proposed according to the second user in the transaction in the network trading platform
Lattice obtain after being multiplied by one first user's guarantee fund's ratio.
3. the method for commerce of tool guarantee fund as claimed in claim 2, it is characterised in that the wherein network trading platform foundation
The one first customer transaction number of success of first user, one first user's credit scoring, needed for one first customer transaction
One of time, one first customer transaction number, the one first customer transaction amount of money or one first customer transaction risk factor or
The combination of more persons adjusts the first user guarantee fund's ratio.
4. the method for commerce of tool guarantee fund as claimed in claim 1, it is characterised in that wherein before transaction completion,
This method further includes：
Second user pays one second guarantee fund to third party's account of the third-party server；And
The third-party server returns second guarantee fund and gives second user after the completion of the transaction.
5. the method for commerce of tool guarantee fund as claimed in claim 4, it is characterised in that wherein second guarantee fund is the net
Flat fare of one second target that network transaction platform is proposed according to first user in the transaction in the network trading platform
Lattice obtain after being multiplied by the second user guarantee fund's ratio.
6. the method for commerce of tool guarantee fund as claimed in claim 5, it is characterised in that the wherein network trading platform foundation
Needed for second user transaction number of success, one second user's credit scoring, the second user of second user is merchandised
One of time, a second user transaction count, a second user dealing money or a second user transaction risk coefficient or
The combination of more persons adjusts second user guarantee fund's ratio.
7. the method for commerce of tool guarantee fund as claimed in claim 4, it is characterised in that wherein second user, which pays, is somebody's turn to do
Second guarantee fund to the third-party server third party's account the step of after, this method further includes：
One of first user or second user send a complaint message to the network trading platform；And
If the network trading platform is not when one transmitted by another user reply message is received in the complaint time limit, the network
First guarantee fund and second guarantee fund are given in first user or second user and lodged a complaint by transaction platform
Person.
8. the method for commerce of the tool guarantee fund described in claim 7, it is characterised in that if wherein the network trading platform is in a complaint
When the reply message transmitted by another user is received in the time limit, then the network trading platform judges that the transaction is completed.
9. the method for commerce of tool guarantee fund as claimed in claim 4, it is characterised in that wherein second user, which pays, is somebody's turn to do
Second guarantee fund to the third-party server third party's account the step of after, this method further includes：
One of first user or second user send a transaction and cancel message to the network trading platform, another
User sends one and confirms to cancel message to the network trading platform；And
The network trading platform cancels the transaction, and the third-party server is returned first guarantee fund to first user and moved back
Also second guarantee fund gives second user.
10. the method for commerce of tool guarantee fund as claimed in claim 1, it is characterised in that wherein in when the third party's service
Before device returns first guarantee fund to the step of first user, first user is proposed during this is merchandised one second mesh
After the first object that is proposed of the second user delivers to a switching centre in mark and the transaction, the switching centre is by first mesh
Mark delivers to first user and second target is delivered into second user.
11. the method for commerce of tool guarantee fund as claimed in claim 1, it is characterised in that pay one in first user
After the step of third party's account of first guarantee fund a to third-party server, this method further includes：
One of first user or second user send a transaction and cancel message to the network trading platform, another
User sends one and confirms to cancel message to the network trading platform；And
The network trading platform cancels the transaction, and the third-party server returns first guarantee fund and gives first user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610834234.5A CN107844966A (en) | 2016-09-20 | 2016-09-20 | Has the method for commerce of guarantee fund |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610834234.5A CN107844966A (en) | 2016-09-20 | 2016-09-20 | Has the method for commerce of guarantee fund |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107844966A true CN107844966A (en) | 2018-03-27 |
Family
ID=61657217
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610834234.5A Pending CN107844966A (en) | 2016-09-20 | 2016-09-20 | Has the method for commerce of guarantee fund |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107844966A (en) |
Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101436279A (en) * | 2008-12-19 | 2009-05-20 | 福建今日特价网络有限公司 | Transaction payment system and method of webs |
| CN101783000A (en) * | 2009-12-10 | 2010-07-21 | 重庆文迅网络科技有限公司 | Metal material electronic trading system with trade matching function |
| CN101783001A (en) * | 2009-12-10 | 2010-07-21 | 重庆文迅网络科技有限公司 | Metal material electronic trading system with trade clicking function |
| CN102521971A (en) * | 2011-12-22 | 2012-06-27 | 深圳市赛格导航科技股份有限公司 | Method for calling taxis in one-key manner |
| CN103295126A (en) * | 2012-03-02 | 2013-09-11 | 刘家焜 | Transaction document method capable of being trusted |
| 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 |
| CN105243550A (en) * | 2015-10-10 | 2016-01-13 | 刘路 | Order matching method |
| CN105550865A (en) * | 2016-01-26 | 2016-05-04 | 深圳商联商用科技有限公司 | Cash deposit based trading method and system |
| CN105913232A (en) * | 2016-06-18 | 2016-08-31 | 舒方硕 | Default prevention method |
-
2016
- 2016-09-20 CN CN201610834234.5A patent/CN107844966A/en active Pending
Patent Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101436279A (en) * | 2008-12-19 | 2009-05-20 | 福建今日特价网络有限公司 | Transaction payment system and method of webs |
| CN101783000A (en) * | 2009-12-10 | 2010-07-21 | 重庆文迅网络科技有限公司 | Metal material electronic trading system with trade matching function |
| CN101783001A (en) * | 2009-12-10 | 2010-07-21 | 重庆文迅网络科技有限公司 | Metal material electronic trading system with trade clicking function |
| CN102521971A (en) * | 2011-12-22 | 2012-06-27 | 深圳市赛格导航科技股份有限公司 | Method for calling taxis in one-key manner |
| CN103295126A (en) * | 2012-03-02 | 2013-09-11 | 刘家焜 | Transaction document method capable of being trusted |
| 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 |
| CN105243550A (en) * | 2015-10-10 | 2016-01-13 | 刘路 | Order matching method |
| CN105550865A (en) * | 2016-01-26 | 2016-05-04 | 深圳商联商用科技有限公司 | Cash deposit based trading method and system |
| CN105913232A (en) * | 2016-06-18 | 2016-08-31 | 舒方硕 | Default prevention method |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Anderson | Mass-market consumer fraud in the United States: A 2017 update | |
| Muhammad et al. | Towards Shari’ah Compliant E-commerce Transactions: A review of Amazon. com | |
| WO2005076181A1 (en) | Information buying and selling system | |
| KR102020006B1 (en) | Electronic commerce system and method for writing authority of review | |
| CN104867045A (en) | Trading system for customizing divided payments by user, and trading method thereof | |
| Masnita et al. | Halal transaction: implication for digital retail by using financial technology | |
| CN101751640A (en) | Computer user management system based on customer relationship, credit standing and transaction database | |
| US20130030942A1 (en) | Used item auction method and system using item transaction information | |
| EP3057056A1 (en) | Method, system, and computer-readable recording medium for providing electronic commerce consumer with monetary benefits in large amounts | |
| CN107844966A (en) | Has the method for commerce of guarantee fund | |
| JP6710852B1 (en) | Electronic commerce support system | |
| Pettifer | Towards a stronger European market in applied meteorology | |
| Basahel et al. | Hindrances in providing e-commerce services in Saudi retailing organizations: Some preliminary findings | |
| KR20180059421A (en) | The method of sns group purchase | |
| Gu | Consumer rights protection on the online auction website-situations and solutions: A case study of eBay | |
| CN101751641A (en) | Computer user behavior record and evaluation system | |
| CN106529957A (en) | Mobile payment device for information private cloud exchange | |
| TWI654572B (en) | Trading method with margin | |
| KR20050101118A (en) | Application method of web-site using discount coupon | |
| Linh | The Development of E-commerce in Vietnam: Current Situation and Trends. | |
| KR101098822B1 (en) | System of auction | |
| Kumar et al. | E-banking | |
| KR100889275B1 (en) | Method for Processing a Secured Loan by Using An Antiques | |
| KR20200126852A (en) | Sales credit mediation system for protecting concerned persons | |
| KR20090028605A (en) | Shopping mall |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20180327 |