CN110210850A - Online transaction settlement method and platform - Google Patents
Online transaction settlement method and platform Download PDFInfo
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- CN110210850A CN110210850A CN201910503253.3A CN201910503253A CN110210850A CN 110210850 A CN110210850 A CN 110210850A CN 201910503253 A CN201910503253 A CN 201910503253A CN 110210850 A CN110210850 A CN 110210850A
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- 238000000034 method Methods 0.000 title claims abstract description 42
- 238000012384 transportation and delivery Methods 0.000 claims abstract description 30
- 238000012545 processing Methods 0.000 claims abstract description 16
- 238000010257 thawing Methods 0.000 claims description 17
- 238000012790 confirmation Methods 0.000 claims description 11
- 238000012546 transfer Methods 0.000 claims description 10
- 230000007246 mechanism Effects 0.000 claims description 8
- 230000000977 initiatory effect Effects 0.000 claims description 7
- 238000007726 management method Methods 0.000 claims description 7
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 6
- 239000010931 gold Substances 0.000 claims description 6
- 229910052737 gold Inorganic materials 0.000 claims description 6
- 230000008014 freezing Effects 0.000 claims description 5
- 238000007710 freezing Methods 0.000 claims description 5
- 230000001960 triggered effect Effects 0.000 claims description 4
- 230000008569 process Effects 0.000 description 9
- 238000010586 diagram Methods 0.000 description 6
- 238000012550 audit Methods 0.000 description 4
- 230000002787 reinforcement Effects 0.000 description 3
- 238000011161 development Methods 0.000 description 2
- 230000010365 information processing Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 238000004806 packaging method and process Methods 0.000 description 1
- 230000007306 turnover Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
- G06Q10/083—Shipping
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
The invention discloses a kind of online transaction settlement method and systems, which comprises receives and the source of goods net for issuing the first trading member submission is signed a contract；After the delisted contract of affreightment signed a contract for the source of goods net for receiving the second trading member submission, freeze request is initiated to financial institution, so that the financial institution freezes the payment amount in the Send only Account of first trading member；After receiving the commodity delivery completion notice that second trading member submits, Xiang Suoshu financial institution initiates to thaw and payment request, the payment amount so that financial institution thaws in the Send only Account of first trading member simultaneously carry out payment processing.Using the present invention, online transaction clearing service can be provided for user, and ensures the safety and reliability of transaction.
Description
Technical field
The present invention relates to payment technical fields, and in particular to a kind of online transaction settlement method and platform.
Background technique
Logistics is article from supply into the physical flow process for receiving ground, according to actual needs, by transport, storage,
The functions such as handling, packaging, circulation and process, dispatching, information processing, which combine, realizes the process of user's requirement.With
The development of social economy, production and consumption industry are higher and higher to the degree of dependence of logistics, but vehicle is always existed in freight logistics
Ship rate of empty ride is high, shipping expenses are high, logistic resources utilize the problems such as insufficient.The presence of these problems can not only reduce logistics
Efficiency raises commodity price indirectly, and also affects the development of other all conglomeraties.
For this purpose, there is the e-commerce platform for being associated with cargo interests and car and boat side in industry, as a kind of service platform,
Car and boat master, the owner of cargo and related logistics Reducing Cost in Enterprises can be helped, portfolio is expanded.But the current this kind of most function of service platform
Can be single, for example be only limitted to provide the service such as information such as the source of goods, vehicle source, it cannot preferably meet the needs of users.
Summary of the invention
The present invention provides a kind of online transaction settlement method and system, and online transaction clearing service can be provided for user,
And ensure the safety and reliability of transaction.
For this purpose, the embodiment of the present invention provides the following technical solutions:
A kind of online transaction settlement method, which comprises
It receives and the source of goods net for issuing the first trading member submission is signed a contract；
After the delisted contract of affreightment signed a contract for the source of goods net for receiving the second trading member submission, Xiang Jinrong machine
Structure initiates freeze request, so that the financial institution freezes the payment amount in the Send only Account of first trading member；
After receiving the commodity delivery completion notice that second trading member submits, Xiang Suoshu financial institution initiates to thaw
And payment request, the payment amount so that financial institution thaws in the Send only Account of first trading member are simultaneously propped up
Pay processing.
Optionally, first trading member is cargo interests member；Second trading member is car and boat member.
Optionally, the method also includes:
Before initiating freeze request to financial institution, sent out respectively to first trading member and second trading member
The information for sending branch to pay earnest money；
If receiving the guarantee fund of first trading member and second trading member, freeze the guarantee fund,
Contract signing successful information is sent to first trading member and second trading member, and is executed described to financial institution
The step of initiating freeze request；
Otherwise contract signing failure information is sent to first trading member and second trading member.
Optionally, the method also includes:
Before initiating defrosting and payment request to the financial institution, the first trading member of Xiang Suoshu sends delivery confirmation and asks
It asks；
After receiving the delivery acknowledgement notification that first trading member submits, executes to the financial institution and initiate to thaw
And the step of payment request.
Optionally, the progress payment processing includes:
The payment amount is transferred into the receipts to second trading member from the Send only Account of first trading member
Money account；Or
The payment amount is drawn from the paying party account of first trading member and is paid to platform account, then again by putting down
Collecting account of the platform bill payment to second trading member；Or
The payment amount is transferred via platform account to described second from the Send only Account of first trading member
The collecting account of trading member.
A kind of online transaction settlement system, the system comprises:
Receiving module, for receiving the needle that the source of goods net that the first trading member submits is signed a contract, the second trading member submits
The commodity that the delisted contract of affreightment sign a contract to the source of goods net and second trading member submit deliver completion notice；
Release module is signed a contract for issuing the source of goods net；
Settlement handler module, for being sent out to financial institution after the receiving module receives the delisted contract of affreightment
Freeze request is played, so that the financial institution freezes the payment amount in the Send only Account of first trading member；Described
After receiving module receives the commodity delivery completion notice, Xiang Suoshu financial institution initiates defrosting and payment request, so that institute
State financial institution thaw first trading member Send only Account in payment amount and carry out payment processing.
Optionally, first trading member is cargo interests member；Second trading member is car and boat member.
Optionally, the system also includes:
Information sending module, for the settlement handler module to financial institution initiate freeze request before, respectively to
First trading member and second trading member send the information that branch pays earnest money；
Guarantee fund's management module, in the guarantee fund for receiving first trading member and second trading member
Afterwards, freeze the guarantee fund；The information sending module is triggered to send out to first trading member and second trading member
Contract signing successful information is sent, and triggers the settlement handler module and initiates freeze request to financial institution；Otherwise described in triggering
Information sending module sends contract signing failure information to first trading member and second trading member.
Optionally, the system also includes:
Deliver determining module, for the settlement handler module to the financial institution initiate thaw and payment request it
Before, the first trading member of Xiang Suoshu, which sends, delivers confirmation request；And confirm receiving the delivery that first trading member submits
After notice, the settlement management module is triggered to the financial institution and initiates defrosting and payment request.
Optionally, the financial institution transfers the payment amount to institute from the Send only Account of first trading member
State the collecting account of the second trading member；Or the payment amount is drawn from the paying party account of first trading member and is paid
To platform account, then again by platform bill payment to the collecting account of second trading member；Or it is the payment is golden
Volume transfers the collecting account to second trading member via platform account from the Send only Account of first trading member.
Compared with prior art, the invention has the following advantages that
Online transaction settlement method provided by the invention and system, for the safety problem of existing online transaction, for
Contracted user initiates freeze request from transaction platform to financial institution, so that the finance after both parties sign a contract
Mechanism freezes the payment amount in the Send only Account of first trading member；Commodity deliver after the completion of, from transaction platform to
The financial institution initiates defrosting and payment request, the Send only Account of first trading member so that the financial institution thaws
In payment amount and carry out payment processing.It is not only that both parties provide the platform of information sharing, and both parties exist
Fund in process of exchange is directly transferred by financial institution, does not need the participation of third party transaction platform, therefore improve friendship
Easy reliability and safety, while also solving both parties to the trust problem of third-party platform.
Further, both parties branch pay earnest money by way of, can with assistant reinforcement trade authenticity and effectively
Property, the malice sheet or the delisted behavior of malice of both parties are avoided, the risk of transaction is reduced.
Further, after the commodity for receiving the second trading member submission deliver completion notice, Xiang Suoshu first trades
Member, which sends, delivers confirmation request；It, just can be to the financial machine after the delivery acknowledgement notification for receiving the first trading member submission
Structure initiates defrosting and payment request, efficiently avoids only providing potential wind existing for commodity delivery information as a side trading member
Danger.
Detailed description of the invention
Fig. 1 is a kind of flow chart of online transaction settlement method of the embodiment of the present invention；
Fig. 2 is another flow chart of online transaction settlement method of the embodiment of the present invention；
Fig. 3 is another flow chart of online transaction settlement method of the embodiment of the present invention；
Fig. 4 is a kind of structural block diagram of online transaction settlement system of the embodiment of the present invention；
Fig. 5 is another structural block diagram of online transaction settlement system of the embodiment of the present invention；
Fig. 6 is another structural block diagram of online transaction settlement system of the embodiment of the present invention.
Specific embodiment
In the following description, numerous specific details are set forth in order to facilitate a full understanding of the present invention.But the present invention can be with
Much it is different from other way described herein to implement, those skilled in the art can be without prejudice to intension of the present invention the case where
Under do similar popularization, therefore the present invention is not limited to the specific embodiments disclosed below.
The present invention provides a kind of online transaction settlement method and system, right for the safety problem of existing online transaction
In system contracted user, after both parties sign a contract, freeze request is initiated from system to financial institution, so that the gold
Melt mechanism and freezes payment amount in the Send only Account of first trading member；After the completion of commodity are delivered, from system to institute
It states financial institution and initiates defrosting and payment request, so that the financial institution thaws in the Send only Account of first trading member
Payment amount and carry out payment processing.It is not only that both parties provide the platform of information sharing, and both parties are handing over
Fund during easily is directly transferred by financial institution, does not need the participation of third party transaction platform, therefore improve transaction
Reliability and safety, while also solving both parties to the trust problem of third party transaction platform.
Online transaction settlement method provided by the invention and system, can be applied to third party transaction platform, keep transaction flat
Platform provides respectively required information and clearing bridge for both parties, guarantees the interests of both parties.
As shown in Figure 1, being the flow chart of online transaction settlement method of the embodiment of the present invention, comprising the following steps:
Step 101, it receives and the source of goods net for issuing the first trading member submission is signed a contract.
By the publication signed a contract to source of goods net, it can make other Member Entrance platforms that corresponding information can be seen, easily,
Rapidly it is quickly found out the transaction that oneself can be accepted.
Step 102, after the delisted contract of affreightment signed a contract for the source of goods net for receiving the second trading member submission,
Freeze request is initiated to financial institution, so that the financial institution freezes the payment in the Send only Account of first trading member
The amount of money.
The trading member needs to become registered members in advance in platform authentication registration, needs to mark oneself in registration
Identity, such as cargo interests member, car and boat member etc..The type service that platform can be provided according to oneself sets member's body
Part selects for registration user in registration, without limitation to this embodiment of the present invention.
Correspondingly, the first trading member and the second trading member above-mentioned should be the registered members of platform.In one kind
In application scenarios, first trading member is cargo interests member, and second trading member is car and boat member.
It is further to note that source of goods net above-mentioned is signed a contract and the delisted contract of affreightment, can be mentioned by platform
For contract template, both parties can fill in corresponding information according to the actual demand of oneself, generate formal contract, then submit
Platform, it is standard form of contract that both parties, which sign a contract,.Certainly in practical applications, the first trading member because business needs can also
With on the basis of signing platform standard form of contract, then the nonformat contract approved through platform is signed, the second trading member is signed a contract
It is standard form of contract.If the contract template provided using platform, the validity that audit synthesizes can be responsible for by platform；If adopted
The contract of one side can be sent to another party's audit, to determine contract by the contract generated with the mode of both parties oneself
Validity.In the case where auditing the effective situation of both sides' contract, it can just trigger the financial institution and carry out execution corresponding operation.Separately
Outside, if either party contract is there are problem, platform can send notification information to party trading member so that its to contract into
Row is corrected and is resubmited.
Include the payment information and payment amount information that need to freeze, correspondingly, financial machine in the freeze request
After structure receives the freeze request, freeze operation is executed according to corresponding information.If insufficient in amount in the payment,
The feedback information that insufficient in amount can be returned to platform, freeze failure；Otherwise the feedback information for freezing to complete is returned to platform.
It correspondingly, can be to first trade fair if the platform receives the above-mentioned feedback information for freezing failure
Member sends corresponding prompt information, so that the fund in account is replenished in time in first trading member.
Further, in order to ensure that the interests of the second trading member are not suffered a loss, platform can receive the financial machine
After what structure was sent freezes the feedback message completed, the second trading member of Xiang Suoshu sends acknowledgement of consignment notice, so that second transaction
Member executes carrier handle to the cargo of first trading member.Certainly, it is not limited in this mode in practical applications,
Platform can also be after the delisted contract of affreightment signed a contract for the source of goods net for receiving the second trading member submission, to institute
State the second trading member and send acknowledgement of consignment notice, in this case, once there is the case where can not normally paying, can by platform or
The interests of second trading member are ensured with insurance company's cooperation, for example second trading member is compensated, and
Cancel member's rank etc. of the membership of the first trading member or first trading member that degrades.
Step 103, after receiving the commodity delivery completion notice that second trading member submits, Xiang Suoshu financial institution
Initiate defrosting and payment request, the payment amount so that financial institution thaws in the Send only Account of first trading member
And carry out payment processing.
In practical applications, carry out payment processing when, pay finance draw pay mode can there are many, such as:
The payment amount can be transferred from the Send only Account of first trading member to institute by the financial institution
State the collecting account of the second trading member；
Or by the financial institution by the payment amount from the paying party account of first trading member draw pay to
Platform account, then again by platform bill payment to the collecting account of second trading member；
Or by the financial institution by the payment amount from the Send only Account of first trading member via platform
Account transfers the collecting account of second trading member.
In addition, the financial institution can also be respectively to platform, the first trading member, the second transaction after the completion of transferring
Member sends transfer completion notice respectively；If transferring failure, the financial institution can also be respectively to platform, the first trade fair
Member, the second trading member send transfer failure notification respectively.
In embodiments of the present invention, the financial institution such as can be bank or other respective services that are capable of providing
Mechanism.The Send only Account of first trading member and the collecting account of second trading member can be by the financial machine
Structure is the adjunct account under the platform account that paying party and beneficiary open up, and is also possible to paying party and beneficiary directly described
The account that financial institution opens, without limitation to this embodiment of the present invention.
It should be noted that the scheme of the embodiment of the present invention can be applied to multi-exchange scene, for example, in logistics field
In, both parties are respectively cargo interests member and car and boat side member；For another example, in merchandise sales field, both parties' difference
For buyer member and seller member etc..Certainly, for it is different transaction scenes and both parties in application, the contract name
Title, content, form and signing mode of contract etc. can have the variation of adaptability, without limitation to this present invention.
Online transaction settlement method provided in an embodiment of the present invention, for the safety problem of existing online transaction, for
Contracted user initiates freeze request from transaction platform to financial institution, so that the finance after both parties sign a contract
Mechanism freezes the payment amount in the Send only Account of first trading member；Commodity deliver after the completion of, from transaction platform to
The financial institution initiates defrosting and payment request, the Send only Account of first trading member so that the financial institution thaws
In payment amount and carry out payment processing.It is not only that both parties provide the platform of information sharing, and both parties exist
Fund in process of exchange is directly transferred by financial institution, does not need the participation of third party transaction platform, therefore improve friendship
Easy reliability and safety, while also solving both parties to the trust problem of third party transaction platform.
As shown in Fig. 2, being another flow chart of online transaction settlement method of the embodiment of the present invention, comprising the following steps:
Step 201, it receives and the source of goods net for issuing the first trading member submission is signed a contract.
Step 202, after the delisted contract of affreightment signed a contract for the source of goods net for receiving the second trading member submission,
The information that branch pays earnest money is sent to first trading member and second trading member respectively.
The amount of money of the guarantee fund can be collected according to the percentage or Flat Amount of turnover, and for not
Same transaction, the specific amount of money of guarantee fund can also be different, without limitation to this embodiment of the present invention.
Step 203, after the guarantee fund for receiving first trading member and second trading member, freeze the guarantee
Gold, and contract signing successful information is sent to first trading member and second trading member.
Certainly, if not receiving first trading member or second trading member times in the time limit of setting
The guarantee fund of one side then by corresponding contract labeled as failure, and notifies both sides trading member, and return the guarantee of delivered
Gold.
Step 204, freeze request is initiated to financial institution, so that the financial institution freezes first trading member's
Payment amount in Send only Account.
Step 205, after receiving the commodity delivery completion notice that second trading member submits, Xiang Suoshu financial institution
Initiate defrosting and payment request, the payment amount so that financial institution thaws in the Send only Account of first trading member
And carry out payment processing.
In this application mode, once there is the case where can not normally paying, it can be preferentially by platform by the guarantor of paying party
Card gold is compensated to beneficiary, if the insufficient in amount of guarantee fund, other way can also be taken to mend beneficiary by platform
It repays, to reduce the loss of beneficiary to the maximum extent.Certainly, in the case where normal payment, platform receives the financial machine
After what structure was sent transfers completion notice, guarantee fund can be returned to corresponding trading member.No matter in addition, to the first trading member
Or the second trading member, once wherein there are side trading member promise breaking, the guarantor that platform can also provide party trading member
Card gold, which transfers, gives another party trading member.
Online transaction settlement method provided in an embodiment of the present invention can be in such a way that both parties' branch pays earnest money
The authenticity and validity of assistant reinforcement transaction avoid the malice sheet or the delisted behavior of malice of both parties, further drop
The risk of low transaction, ensure that the interests of both parties.
As shown in figure 3, being another flow chart of online transaction settlement method of the embodiment of the present invention, comprising the following steps:
Step 301, it receives and the source of goods net for issuing the first trading member submission is signed a contract.
Step 302, after the delisted contract of affreightment signed a contract for the source of goods net for receiving the second trading member submission,
Freeze request is initiated to financial institution, so that the financial institution freezes the payment in the Send only Account of first trading member
The amount of money.
Step 303, after receiving the commodity delivery completion notice that second trading member submits, Xiang Suoshu first trades
Member, which sends, delivers confirmation request.
Step 304, after receiving the delivery acknowledgement notification that first trading member submits, Xiang Suoshu financial institution is initiated
It thaws and payment request, the payment amount so that financial institution thaws in the Send only Account of first trading member is gone forward side by side
Row payment processing.
Online transaction settlement method provided in an embodiment of the present invention is delivered in the commodity for receiving the second trading member submission
After completion notice, is actively sent from platform to first trading member and deliver confirmation request；It is mentioned receiving the first trading member
After the delivery acknowledgement notification of friendship, just defrosting and payment request can be initiated to the financial institution, efficiently avoided only by a side
Trading member provides commodity and delivers potential risk existing for information.It should be noted that in practical applications, it can also be in commodity
After the completion of delivery, the delivery acknowledgement notification is actively submitted to platform from the first trading member；If receiving the second trade fair
The delivery acknowledgement notification is not received in setting time after the commodity delivery completion notice that member submits, platform is again to the first transaction
Member sends the delivery confirmation request, without limitation to this embodiment of the present invention.
Those of ordinary skill in the art will appreciate that all or part of the steps in realization above method embodiment is can
It is completed with instructing relevant hardware by program, the program can store in computer-readable storage medium,
Storage medium designated herein, such as: ROM/RAM, magnetic disk, CD.
Correspondingly, the embodiment of the present invention also provides a kind of online transaction settlement system, as shown in figure 4, being the one of the system
Kind structural block diagram.
In this embodiment, the system comprises following modules:
Receiving module 401, the source of goods net for receiving the first trading member submission is signed a contract, the second trading member submits
The commodity that the delisted contract of affreightment signed a contract for the source of goods net and second trading member submit, which are delivered, to be completed to lead to
Know；
Release module 402 is signed a contract for issuing the source of goods net；
Settlement handler module 403, for after the receiving module 401 receives the delisted contract of affreightment, Xiang Jinrong
Mechanism initiates freeze request, so that the financial institution freezes the payment amount in the Send only Account of first trading member；
After the receiving module 401 receives the commodity delivery completion notice, Xiang Suoshu financial institution initiates to thaw and payment is asked
It asks, the payment amount so that financial institution thaws in the Send only Account of first trading member simultaneously carries out payment processing.
First trading member and the second trading member should be the registered members of system platform.In a kind of application scenarios
In, first trading member is cargo interests member, and second trading member is car and boat member.
Source of goods net above-mentioned is signed a contract and the delisted contract of affreightment, and contract template can be provided by system platform, is handed over
Easy both sides can fill in corresponding information according to the actual demand of oneself, generate formal contract, then submit platform；Certainly transaction
The contract template that both sides can also provide without using platform, but formal contract is generated in the way of oneself, it then submits flat
Platform.If the contract template provided using platform, the validity that audit synthesizes can be responsible for by platform；If using both parties
The contract of one side can be sent to another party's audit, to determine the validity of contract by the contract that the mode of oneself generates.It is examining
In the effective situation of core both sides contract, it can just trigger the financial institution and carry out execution corresponding operation.In addition, if any
There are problems for one side's contract, then platform can send notification information to party trading member, lay equal stress on so that it is modified contract
It is new to submit.
Include the payment information and payment amount information that need to freeze, correspondingly, financial machine in the freeze request
After structure receives the freeze request, freeze operation is executed according to corresponding information.If insufficient in amount in the payment,
The feedback information that insufficient in amount can be returned to system platform, freeze failure；Otherwise the feedback letter for freezing to complete is returned to platform
Breath.
Correspondingly, it if the system platform receives the above-mentioned feedback information for freezing failure, can be handed over to described first
Easy member sends corresponding prompt information, so that the fund in account is replenished in time in first trading member.
The financial institution, can be by the payment amount directly from first trading member when carrying out payment processing
Send only Account transfer the collecting account of second trading member；Or by the payment amount from first trade fair
The paying party account of member, which draws to pay, arrives platform account, then again by platform bill payment to the gathering account of second trading member
Family；Or the payment amount is transferred via platform account to described second from the Send only Account of first trading member and is handed over
The collecting account of easy member.
In embodiments of the present invention, the financial institution such as can be bank or other respective services that are capable of providing
Mechanism.The Send only Account of first trading member and the collecting account of second trading member can be by the financial machine
Structure is the adjunct account under the platform account that paying party and beneficiary open up, and is also possible to paying party and beneficiary directly described
The account that financial institution opens, without limitation to this embodiment of the present invention.
Online transaction settlement system provided in an embodiment of the present invention, for the safety problem of existing online transaction, for
Contracted user initiates freeze request from transaction platform to financial institution, so that the finance after both parties sign a contract
Mechanism freezes the payment amount in the Send only Account of first trading member；Commodity deliver after the completion of, from transaction platform to
The financial institution initiates defrosting and payment request, the Send only Account of first trading member so that the financial institution thaws
In payment amount and carry out payment processing.It is not only that both parties provide the platform of information sharing, and both parties exist
Fund in process of exchange is directly transferred by financial institution, does not need to join using the third party transaction platform of present system
With, therefore the reliability and safety of transaction is improved, while also solving both parties to the trust of third party transaction platform
Problem.
As shown in figure 5, being another structural block diagram of online transaction settlement system of the embodiment of the present invention.
Difference with embodiment illustrated in fig. 4 is, in this embodiment, the system also includes: information sending module 404
With guarantee fund's management module 405.Wherein:
The information sending module 404 is used to receive what second trading member submitted in the receiving module 401
After the delisted contract of affreightment signed a contract for the source of goods net, respectively to first trading member and second trading member
Send the information that branch pays earnest money；
Guarantee fund's management module 405 is used in the guarantee fund for receiving first trading member and second trading member
Afterwards, freeze the guarantee fund, trigger the information sending module 404 to first trading member and second trading member
Contract signing successful information is sent, and triggers the settlement handler module 403 and initiates freeze request to financial institution；Otherwise it triggers
The information sending module 404 sends contract signing failure information to first trading member and second trading member.
Online transaction settlement system provided in an embodiment of the present invention can be in such a way that both parties' branch pays earnest money
The authenticity and validity of assistant reinforcement transaction avoid the malice sheet or the delisted behavior of malice of both parties, further drop
The risk of low transaction, ensure that the interests of both parties.
As shown in fig. 6, being another structural block diagram of online transaction settlement system of the embodiment of the present invention.
Difference with embodiment illustrated in fig. 4 is, in this embodiment, the system also includes:
Determining module 601 is delivered, for receiving the commodity that second trading member submits in the receiving module 401
After delivering completion notice, the first trading member of Xiang Suoshu, which sends, delivers confirmation request, and mentions receiving first trading member
After the delivery acknowledgement notification of friendship, the settlement management module 403 is triggered to the financial institution and initiates defrosting and payment request.
Online transaction settlement system provided in an embodiment of the present invention is delivered in the commodity for receiving the second trading member submission
After completion notice, is actively sent to first trading member and deliver confirmation request；In the friendship for receiving the first trading member submission
After paying acknowledgement notification, just defrosting and payment request can be initiated to the financial institution, efficiently avoided only by side's trade fair
Member provides commodity and delivers potential risk existing for information.It should be noted that in practical applications, can also have been delivered in commodity
Cheng Hou actively submits the delivery acknowledgement notification to system platform from the first trading member；If receiving the second trading member
The delivery acknowledgement notification, the delivery determining module are not received in setting time after the commodity delivery completion notice of submission
601 send the delivery confirmation request to the first trading member again, without limitation to this embodiment of the present invention.
It should be noted that the settlement of transactions in embodiment illustrated in fig. 5 equally can be set in above-mentioned delivery determining module 601
In system.
It should be noted that, in this document, relational terms such as first and second and the like are used merely to a reality
Body or operation are distinguished with another entity or operation, are deposited without necessarily requiring or implying between these entities or operation
In any actual relationship or order or sequence.Moreover, the terms "include", "comprise" or its any other variant are intended to
Non-exclusive inclusion, so that the process, method, article or equipment including a series of elements is not only wanted including those
Element, but also including other elements that are not explicitly listed, or further include for this process, method, article or equipment
Intrinsic element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that
There is also other identical elements in process, method, article or equipment including the element.
Although the present invention is disclosed as above with preferred embodiment, it is not for limiting the present invention, any this field skill
Art personnel without departing from the spirit and scope of the present invention, can make possible variation and modification, therefore guarantor of the invention
Shield range should be subject to the range that the claims in the present invention are defined.
Claims (10)
1. a kind of online transaction settlement method, which is characterized in that the described method includes:
It receives and the source of goods net for issuing the first trading member submission is signed a contract；
After the delisted contract of affreightment signed a contract for the source of goods net for receiving the second trading member submission, sent out to financial institution
Freeze request is played, so that the financial institution freezes the payment amount in the Send only Account of first trading member；
After receiving the commodity delivery completion notice that second trading member submits, Xiang Suoshu financial institution initiates to thaw and prop up
Request is paid, the payment amount so that financial institution thaws in the Send only Account of first trading member simultaneously carries out at payment
Reason.
2. the method according to claim 1, wherein first trading member is cargo interests member；Described second
Trading member is car and boat member.
3. according to the method described in claim 2, it is characterized in that, the method also includes:
Before initiating freeze request to financial institution, branch is sent to first trading member and second trading member respectively
The information to pay earnest money；
If receiving the guarantee fund of first trading member and second trading member, freeze the guarantee fund, to institute
It states the first trading member and second trading member sends contract signing successful information, and execute described to financial institution's initiation
The step of freeze request；
Otherwise contract signing failure information is sent to first trading member and second trading member.
4. according to the method described in claim 2, it is characterized in that, the method also includes:
Before initiating defrosting and payment request to the financial institution, the first trading member of Xiang Suoshu, which sends, delivers confirmation request；
After receiving the delivery acknowledgement notification that first trading member submits, executes to the financial institution and initiate to thaw and prop up
The step of paying request.
5. method according to any one of claims 1 to 4, which is characterized in that the progress payment processing includes:
The payment amount is transferred into the gathering account to second trading member from the Send only Account of first trading member
Family；Or
The payment amount is drawn from the paying party account of first trading member and is paid to platform account, then again by platform account
Family pays the collecting account to second trading member；Or
The payment amount is transferred via platform account to second transaction from the Send only Account of first trading member
The collecting account of member.
6. a kind of online transaction settlement system, which is characterized in that the system comprises:
Receiving module, the source of goods net for receiving the first trading member submission is signed a contract, the second trading member submits for institute
It states the delisted contract of affreightment that source of goods net is signed a contract and the commodity that second trading member submits delivers completion notice；
Release module is signed a contract for issuing the source of goods net；
Settlement handler module, for initiating to freeze to financial institution after the receiving module receives the delisted contract of affreightment
Knot request, so that the financial institution freezes the payment amount in the Send only Account of first trading member；In the reception
After module receives the commodity delivery completion notice, Xiang Suoshu financial institution initiates defrosting and payment request, so that the gold
Melt mechanism thaw first trading member Send only Account in payment amount and carry out payment processing.
7. system according to claim 6, which is characterized in that first trading member is cargo interests member；Described second
Trading member is car and boat member.
8. system according to claim 7, which is characterized in that the system also includes:
Information sending module is used for before the settlement handler module initiates freeze request to financial institution, respectively to described
First trading member and second trading member send the information that branch pays earnest money；
Guarantee fund's management module, for freezing after the guarantee fund for receiving first trading member and second trading member
Tie the guarantee fund；It triggers the information sending module and sends contract to first trading member and second trading member
Successful information is signed, and triggers the settlement handler module and initiates freeze request to financial institution；Otherwise the information hair is triggered
Module is sent to send contract signing failure information to first trading member and second trading member.
9. system according to claim 7, which is characterized in that the system also includes:
Determining module is delivered, is used for before the settlement handler module initiates defrosting and payment request to the financial institution,
It is sent to first trading member and delivers confirmation request；And in the delivery acknowledgement notification for receiving the first trading member submission
Afterwards, it triggers the settlement management module and initiates defrosting and payment request to the financial institution.
10. according to the described in any item systems of claim 6 to 9, which is characterized in that
The financial institution transfers the payment amount to second transaction from the Send only Account of first trading member
The collecting account of member；Or the payment amount is drawn from the paying party account of first trading member and is paid to platform account
Family, then again by platform bill payment to the collecting account of second trading member；Or by the payment amount from described
The Send only Account of first trading member transfers the collecting account of second trading member via platform account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910503253.3A CN110210850A (en) | 2019-06-11 | 2019-06-11 | Online transaction settlement method and platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910503253.3A CN110210850A (en) | 2019-06-11 | 2019-06-11 | Online transaction settlement method and platform |
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| CN110210850A true CN110210850A (en) | 2019-09-06 |
Family
ID=67792071
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910503253.3A Pending CN110210850A (en) | 2019-06-11 | 2019-06-11 | Online transaction settlement method and platform |
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Cited By (1)
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| CN113128985A (en) * | 2021-04-23 | 2021-07-16 | 中国工商银行股份有限公司 | Online transaction method, device, equipment and medium based on intelligent contract |
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