CN103413226A - Electronic commerce multi-industry sharing platform system - Google Patents
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Abstract
The invention relates to an electronic commerce multi-industry sharing platform system which comprises an information interaction device, a contract-performing delivery-taking device, a diversification terminal device, an automatic credit investigation device and a merchandise category clearing device. Standardized processing and information reasonable aggregation of scattered information are completed, regrouping is carried out on the scattered information according to different external distribution channel characteristics, and information push is completed. The right of attribution of funds and merchandise in the transaction process is controlled. The fund control right and the drawn right of the merchandise are combined together through the setting of a system mechanism, the aim that various terminals support the same transaction is achieved, meanwhile, the aim that the same terminal supports the different transactions is achieved, and the many-to-many relationship between the number and type of the transactions and the terminals is achieved. The interactivity and the information utilization efficiency of the system are improved through the information interaction device, the contract-performing delivery-taking device and the diversification terminal device, the information of the transactions and the information of contract performing are utilized, and the automatic credit investigation device is provided for individuals and enterprises.
Description
Technical field
The invention belongs to the e-commerce technology field, particularly relate to the inter-trade common platform system of a kind of ecommerce.
Background technology
The core of ecommerce is to carry out effective information issue, complete the order transmission, and payment services are provided, and finally by both parties, completes commodity by oneself agreement and completes a business transaction.The hyundai electronics commercial affairs are in evolution, being not content with the product electronization of general character shows and on-line payment, more wish to realize characteristic displaying, information interaction, reach order, the combination of transaction monitoring and payment overall process, strengthening payment simultaneously easily, for transaction provides convenient, for both parties provide more financial service.
Summary of the invention
Technical matters to be solved by this invention is to provide the inter-trade transfer platform of a kind of commercial affairs of novel electron based on sector application and trade management, by information interaction system, the delivery of cargo system of honouring an agreement, diversified terminal system, the interactivity of system and the utilization ratio of information have been improved, and utilize the information of transaction and the information of honouring an agreement, for individual, enterprise provide automatic credit investigation system.
The technical solution adopted for the present invention to solve the technical problems is: provides a kind of ecommerce inter-trade common platform system, comprises information interaction device, honour an agreement delivery of cargo device, diversified end device, reference device and commodity category clearance device automatically,
Described information interaction device: fragmented information is completed to standardization, the reasonable polymerization of information, and recombinate by different outside publication channel characteristics, complete information pushing;
The described delivery of cargo device of honouring an agreement: the right of attribution of controlling fund, commodity in process of exchange; By the setting of system mechanism, the drawn right of fund control with commodity combined;
Described diversified end device: realize the same transaction of various terminals support, realize simultaneously the support of same terminal to the difference transaction, realize the many-to-many relationship of transaction stroke count, type and terminal;
Described automatic reference device: based on the record of the delivery of cargo device of honouring an agreement, medium-sized and small enterprises and personal consumption credit line are made to evaluation, for medium-sized and small enterprises and individual provide reliable financing package;
Described commodity category clearance device: at first judge seller's type, then read these commodity and whether need, by special clearance rule, as need, to call clearance parameter or formula by the commodity category, calculate, finally be incorporated to the clearance form, complete the clearance flow process.
Described information interaction device externally system carries out, in the process of information issue, can directly information guidance being converted into to order, and the information issue is brought together and combined with order, independently marketing and selling two processes and unite, reaches fast sale.
The information that described information interaction device is collected is complex information, and namely respectively from different data sources, the trusted terminal that it is approved by appointment, send information to this platform; Information is packed in trusted terminal, and complete encryption, unique incidence relation between confirmation effectively, generate new ordered sequence, comprise the information of same key word is filled in into new information recording territory by different sources, form new complete information record, carry out accurate association, the information has here comprised that not only Word message has also comprised pictorial information, and the information that prevents is subject to distorting of external factor in transport process.
Described information interaction device, after information acquisition and association complete, at first captures and belongs to same application, and belong to the information of same classification, then according to multi-form and show and the requirement of channel adapt to personalized displaying.
The information source of described information interaction device can be to selecting each other with the channel of information issue, whether information interaction device at first inquiry message source allows issue to the publication channel in list, whether the inquiry message publication channel allows issue to the information source in list again, and by system, this two side's selection is overlapped to coupling, realize that both sides' interactive mode is selected; And in the process that information pushes to the information publication channel, by the logic binding of order in information.
Described honour an agreement the delivery of cargo device transaction control logic, be divided into once pay one-time-consumption, once the payment repeatedly consumption, repeatedly pay one-time-consumption, repeatedly the payment repeatedly consumption, to different business, trigger different regulation engines; The described delivery of cargo device of honouring an agreement also comprises performance bond, honours an agreement and cash, pick up goods explanation and transaction time limit, and described its delivery of funds of transaction time limit is completed a business transaction and is closely related with commodity, has commodity to complete a business transaction and namely completes delivery of funds, is not subjected to the restriction of time fully; The whole transaction funds that enter the delivery of cargo device of honouring an agreement will be unified in trust bank's taking in charge; The payment card number of payment process is stored in system, when having financial need to log off to enter corresponding enterprise or personal account, is as the criterion with the payment card number.
Described diversified end device comprises that the buyer can the choice for use different terminals completes and places an order and pay, and uses the POS terminal, or by the modes of payments of internet terminal or phone, mobile phone.
Described automatic reference device comprises:
1) apparatus for evaluating of loan limit: by the evaluation to platform seller historical trading record, accounts receivable situation under the delivery of cargo system of honouring an agreement, and the credit system of this information with bank or other enterprise of financial institution is connected;
2) the acquisition device of loan approach: after providing a loan successfully, the seller will directly obtain by clearance;
3) the repayment device of loan: when the seller proposes to repay the loan, realize amortization flexibly, or repay in a lump sum; The channel of repaying is answered settlement fund for the deduction seller, directly clears to loan bank or mechanism;
4) Treatment for Default system and device: as the seller, violations occurring, will clear to lending instruction with the follow-up accounts receivable of seller, and break a contract amount of money clearance of the promise breaking amount of money of agreement.
Beneficial effect
The present invention has improved the interactivity of system and the utilization ratio of information, and utilizes the information of transaction and the information of honouring an agreement, for individual, enterprise provide automatic credit investigation system.
The accompanying drawing explanation
Fig. 1 is the structural representation of information interaction device of the present invention.
Embodiment
Below in conjunction with specific embodiment, further set forth the present invention.Should be understood that these embodiment only are not used in and limit the scope of the invention be used to the present invention is described.Should be understood that in addition those skilled in the art can make various changes or modifications the present invention after the content of having read the present invention's instruction, these equivalent form of values fall within the application's appended claims limited range equally.
The present invention includes information interaction device, honour an agreement delivery of cargo device, diversified end device, reference device and commodity category clearance device automatically.
As shown in Figure 1, information interaction system of the present invention comprises
Global design and structure:
At first the present invention has solved effective issue and the polymerization of information.The information interaction system completes standardization, the reasonable polymerization of information by fragmented information, and recombinates by different outside publication channel characteristics, completes information pushing.Externally system carries out, in the process of information issue, can directly information guidance being converted into to order, and the information issue is brought together and combined with order, independently marketing and selling two processes and unite, reaches fast sale.
The standardization of multi-data source and polymerization subsystem:
1) collection of complex information (comprising Word message and pictorial information) is the trusted terminal of approving by appointment, and insincere terminal can not send information to this platform;
2) information is packed in trusted terminal, and completes encryption, and the information that prevents is subject to distorting of external factor in transport process;
3) providing of complex information is not to send to the native system platform by single supplier, but respectively from different data sources, include but not limited to product information, marketing message, pricing information, cartographic information, Rule Information, class information etc., the information that these are unordered is first processed by cryptographic algorithm, effectively the unique incidence relation between confirmation, generate new ordered sequence;
4) process of orderly information is at different set applications, to set unique key word for these information.The information of same key is filled in into new information recording territory by different sources, form new complete information record, carry out accurate association.The information has here comprised that not only Word message has also comprised pictorial information.
The external information of multiple different qualities pushes subsystem:
1), according to the different requirements of outside channel, again pick up choosing, tissue and packing, and the fully personalized requirement by publication channel adjusts, and send;
2) native system is the organizer of information, and, not as user and the publisher of information, has fully guaranteed the just, objective of information;
3) provide that same content is multi-form, displaying by all kinds of means, after information acquisition and association completed, at first system captured and belongs to same application, and belongs to the information of same classification, according to requirement multi-form and the displaying channel, system adapts to personalized requirement fully again.
The interactive subsystem of information source and information publication channel:
Information source is not all send and issue on simple with the channel of information issue, and they simultaneously can be to selecting each other.Whether information interactive platform at first inquiry message source allows issue to the publication channel in list, whether the inquiry message publication channel allows issue to the information source in list again, and by system, this two side's selection is overlapped to coupling, realize that both sides' interactive mode is selected.
With the integrated order subsystem of information issuing system:
This information interaction information can be accepted and show by any one external system.
In the process that system pushes information to the information publication channel, the logic binding of order, in information, is done to the key element an of necessity.External information publication channel exhibition information content at first in issuing process, when the buyer is interested in information, and deeply browse and while understanding, information interaction information will, by order key element starting order engine, enter the production marketing stage.Greatly improved the validity of Information Communication.
The delivery of cargo system of honouring an agreement comprises:
Global design and structure:
Realize that handing over manageable key is the delivery of cargo mechanism according to commodity, namely controls the right of attribution of fund in process of exchange, commodity.By the setting of system mechanism, the drawn right of fund control with commodity reasonably combined, in the protection buyer's interest, also fully encourage seller's enthusiasm, the protection seller's interest, for this reason by having designed new control system.
The proprietorial regular subsystem of fund and commodity:
1) transaction characteristic: system, according to the transaction characteristic in true business environment, is set respectively new transaction control logic, is divided into once paying one-time-consumption, once repeatedly consumption of payment, repeatedly paying one-time-consumption, repeatedly repeatedly consumption of payment.To different business, trigger different regulation engines.
2) performance bond: the buyer places an order to the seller, and both sides sign the delivery of cargo agreement of honouring an agreement, and the seller promises to undertake provides the commodity of protocol compliant standard to the buyer at certain time point, and the buyer promises to undertake after commodity have been completed a business transaction, to the corresponding payment for goods of seller payments.
3) honour an agreement and cash: the delivery of cargo system of honouring an agreement is carried out snapshot by the terms of agreement of both parties, commercial factor, price key element, and as the common performance bond of both parties.
4) delivery of cargo explanation: when the buyer proposed to pick up goods request to the seller, the seller sent goods number in agreement to the delivery of cargo system of honouring an agreement, and system, according to agreement snapshot record, is drawn buyer's fund of prestoring to pay the selling bank account.Commodity, the proprietorial transfer of fund are combined fully.
5) the transaction time limit:
I. present situation: fund and commodity are completed a business transaction and are closely related, and both parties are at commodity carry over or the fund seller's seven sale of all being unwilling.In present e-commerce environment, disengaging due to logistics, cash flow, in reality, both parties can only accept very limited timeliness on the time limit of delaying, and confirmation time limit, the bank card field pre-authorization of the longest 30 days of as the longest as Alipay 7 days complete the time limit.
Ii. the breakthrough in time limit: system is at first according to buyer's terms of payment of service definition, for the seller provides order or sales assurance, after the seller completes commodity and completes a business transaction, the system prompt fund is to seller's terms of payment, system is incorporated to clearance by this fund at once, and the first working day after the day of trade complete fund and draw and pay, be not subjected to time restriction.
Iii. the meaning that breaks through of time limit: for the seller, providing commodity, the first job day after real cost namely occurs, can receive corresponding fund; For the buyer, fund is followed the situation of honouring an agreement of order and is just paid.For the promise breaking of both parties' process of exchange, designed corresponding punishment algorithm.Delivery of funds is completed a business transaction and is closely related with commodity, has commodity to complete a business transaction and namely completes delivery of funds, is not subjected to the restriction of time fully, can freely carry out.In process of exchange, both parties securely do not need an extension yet like this.
Fund and transaction verification system:
The whole transaction funds that enter the delivery of cargo system of honouring an agreement will be unified in trust bank's taking in charge.
1) in system, each fund of record has corresponding Agreement for Sale and Purchase, when fund, breaks away from the situation of transaction context, and the fund that system will break away from transaction context returns to bank account;
2) fund exits from native system, no matter is to seller, networking mechanism or other enterprise, or to personal account, and the agreement of effectively honouring an agreement of all take is assurance;
3) business account, with the native system agreement, to be as the criterion, arranges to remit money account;
Account when 4) personal account be take payment is unique approval account, and the account is the important component part of payment information, is also the important protocol content between individual and native system simultaneously.
Devoid of risk reimbursement system:
Devoid of risk reimbursement system is stored in the mode of the payment card number of payment process with safety in system, when having financial need to log off to enter corresponding enterprise or personal account, is as the criterion with the payment card number, solves the problem of movement of capital in the follow-up reimbursement process of buyer.In the reimbursement system, do not accept other card number.
The variation terminal system:
For the trade system under line, the POS terminal of take is payment and checking; For internet business, the payment under internet payment or line of take is payment terminal.To different platforms, POS terminal and E-Payment can not complement each other for online payment.
Native system has been accomplished the support of various terminals to same transaction on new system platform, support simultaneously the support of same terminal to the difference transaction, realizes the many-to-many relationship of transaction stroke count, type and terminal.
Different terminals is supported in same transaction flexibly:
For same transaction, the buyer can the choice for use different terminals completes and places an order and pay, and can use the POS terminal, also can be by the modes of payments of internet terminal or other phone, mobile phone.Fully met the diversity of buyer paid behavior.
A plurality of business supports of separate unit POS:
1) on a POS terminal, can support to settle accounts more than settlement accounts to two or two, break through the clearing of separate unit POS single account;
2) on the POS terminal, realized the selection of multi-exchange pattern, routed to different transaction channels, carry out different transaction control, clear respectively.
Automatic credit investigation system:
Evaluation for medium-sized and small enterprises and personal consumption credit line does not fluctuate because there is no reliable Standard Judgement always, and existing various e-commerce platforms all do not have to address this problem.Native system is by the delivery of cargo system of honouring an agreement, and for medium-sized and small enterprises and individual provide reliable financing package, part has solved typical problem.
Non-face-to-face transaction medium-sized and small enterprises prestige and financing credit standard system:
1) assessment of loan limit: by the evaluation to platform seller historical trading record, accounts receivable situation under the delivery of cargo system of honouring an agreement, and the credit system of this information with bank or other enterprise of financial institution is connected, for the seller obtains flexible loan facility.
2) acquisition of loan approach: after providing a loan successfully, the seller will be directly clearance by native system can obtain.
3) repayment of loan: when the seller proposes to repay the loan, can realize amortizing flexibly, also can repay in a lump sum.The channel of repaying is answered settlement fund by native system deduction seller, directly clears to loan bank or mechanism.
4) Treatment for Default system: as the seller, violations occur, native system will be cleared to lending instruction with the follow-up accounts receivable of seller, and break a contract amount of money clearance of the promise breaking amount of money of agreement.
Individual prestige and financing credit evaluation system in non-face-to-face transaction:
1) confirmation of the accrediting amount: by with each credit card centring system, being associated, checking the individual accrediting amount and whether be more than or equal to the fund amount that transaction itself needs, if met, the individual just only need to pay and get final product flexibly by placing an order requirement.
2) Treatment for Default system: when the individual denies subsequent transaction or return of goods behavior occurs, again the fund of having consumed is adjusted, the unnecessary amount of money is return, and the not enough amount of money is from deducting credit card.
Commodity category system for settling account:
Whether at first system for settling account judges seller's type, then read these commodity and need, by special clearance rule, as need, to call clearance parameter or formula by the commodity category, calculates, and finally is incorporated to the clearance form, completes the clearance flow process.
Claims (8)
1. inter-trade common platform system of ecommerce, comprise information interaction device, the delivery of cargo device of honouring an agreement, diversified end device, reference device and commodity category clearance device automatically, it is characterized in that:
Described information interaction device: fragmented information is completed to standardization, the reasonable polymerization of information, and recombinate by different outside publication channel characteristics, complete information pushing;
The described delivery of cargo device of honouring an agreement: the right of attribution of controlling fund, commodity in process of exchange; By the setting of system mechanism, the drawn right of fund control with commodity combined;
Described diversified end device: realize the same transaction of various terminals support, realize simultaneously the support of same terminal to the difference transaction, realize the many-to-many relationship of transaction stroke count, type and terminal;
Described automatic reference device: based on the record of the delivery of cargo device of honouring an agreement, medium-sized and small enterprises and personal consumption credit line are made to evaluation, for medium-sized and small enterprises and individual provide reliable financing package;
Described commodity category clearance device: at first judge seller's type, then read these commodity and whether need, by special clearance rule, as need, to call clearance parameter or formula by the commodity category, calculate, finally be incorporated to the clearance form, complete the clearance flow process.
2. the inter-trade common platform system of a kind of ecommerce according to claim 1, it is characterized in that: described information interaction device externally system carries out in the process of information issue, can directly information guidance be converted into to order, the information issue is brought together and combined with order, independently marketing and selling two processes and unite, reach fast sale.
3. the inter-trade common platform system of a kind of ecommerce according to claim 1, it is characterized in that: the information that described information interaction device is collected is complex information, namely respectively from different data sources, the trusted terminal that it is approved by appointment, send information to this platform; Information is packed in trusted terminal, and complete encryption, unique incidence relation between confirmation effectively, generate new ordered sequence, comprise the information of same key word is filled in into new information recording territory by different sources, form new complete information record, carry out accurate association, the information has here comprised that not only Word message has also comprised pictorial information, and the information that prevents is subject to distorting of external factor in transport process.
4. the inter-trade common platform system of a kind of ecommerce according to claim 1, it is characterized in that: described information interaction device is after information acquisition and association complete, at first capture and belong to same application, and the information that belongs to same classification, according to requirement multi-form and the displaying channel, adapt to personalized displaying again.
5. the inter-trade common platform system of a kind of ecommerce according to claim 1, it is characterized in that: the information source of described information interaction device can be to selecting each other with the channel of information issue, whether information interaction device at first inquiry message source allows issue to the publication channel in list, whether the inquiry message publication channel allows issue to the information source in list again, and by system, this two side's selection is overlapped to coupling, realize that both sides' interactive mode is selected; And in the process that information pushes to the information publication channel, by the logic binding of order in information.
6. the inter-trade common platform system of a kind of ecommerce according to claim 1, it is characterized in that: the transaction control logic of the described delivery of cargo device of honouring an agreement, be divided into once pay one-time-consumption, once the payment repeatedly consumption, repeatedly pay one-time-consumption, repeatedly the payment repeatedly consumption, to different business, trigger different regulation engines; The described delivery of cargo device of honouring an agreement also comprises performance bond, honours an agreement and cash, pick up goods explanation and transaction time limit, and described its delivery of funds of transaction time limit is completed a business transaction and is closely related with commodity, has commodity to complete a business transaction and namely completes delivery of funds, is not subjected to the restriction of time fully; The whole transaction funds that enter the delivery of cargo device of honouring an agreement will be unified in trust bank's taking in charge; The payment card number of payment process is stored in system, when having financial need to log off to enter corresponding enterprise or personal account, is as the criterion with the payment card number.
7. the inter-trade common platform system of a kind of ecommerce according to claim 1, it is characterized in that: described diversified end device comprises that the buyer can the choice for use different terminals completes and places an order and pay, use the POS terminal, or by the modes of payments of internet terminal or phone, mobile phone.
8. the inter-trade common platform system of a kind of ecommerce according to claim 1, it is characterized in that: described automatic reference device comprises:
1) apparatus for evaluating of loan limit: by the evaluation to platform seller historical trading record, accounts receivable situation under the delivery of cargo system of honouring an agreement, and the credit system of this information with bank or other enterprise of financial institution is connected;
2) the acquisition device of loan approach: after providing a loan successfully, the seller will directly obtain by clearance;
3) the repayment device of loan: when the seller proposes to repay the loan, realize amortization flexibly, or repay in a lump sum; The channel of repaying is answered settlement fund for the deduction seller, directly clears to loan bank or mechanism;
4) Treatment for Default system and device: as the seller, violations occurring, will clear to lending instruction with the follow-up accounts receivable of seller, and break a contract amount of money clearance of the promise breaking amount of money of agreement.
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| CN2013103152497A CN103413226A (en) | 2013-07-24 | 2013-07-24 | Electronic commerce multi-industry sharing platform system |
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| CN106056423A (en) * | 2016-05-18 | 2016-10-26 | 北京京东尚科信息技术有限公司 | Method and system used for data storage |
| CN107862567A (en) * | 2017-10-18 | 2018-03-30 | 上海瀚之友信息技术服务有限公司 | A kind of order reconciliation method |
| CN108805379A (en) * | 2017-05-03 | 2018-11-13 | 北京京东尚科信息技术有限公司 | Support that multi-mode is honoured an agreement the system and method for flow |
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| CN105678529A (en) * | 2015-12-28 | 2016-06-15 | 赵霖 | Network platform fund anti-stealing method and system |
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Application publication date: 20131127 |