Group-buy settlement payments system and method with communicating technology

Abstract

The invention discloses a system and method of group buying pattern balance and payment making use of the communication technique. The invention uses telephone numbers as marks of product buyers, adopts the transaction way of first payment plus preferential payment, and after the system gathers the first payment information, the statistics of practical transaction situations are made, and the preferential payment of network group buying is finished by making use of the accounting system of telecom operators based on the pattern balance situations. The invention has the advantages that the invention avoids the bad results caused by the inconsistency between the predicted transaction quantity and the practical transaction quantity in the network group buying, which achieves the best benefit distribution in network group buying between product buyers and product suppliers, and simplifies the process of network group buying, which is convenient for the participants of the group buying transaction and is beneficial to the development of network group buying, and can reduce the pattern balance and payment cost and efficiency of the group buying organizations and improve the efficiency of network group buying. The invention is particularly suitable for the network group buying websites and telecom operators.

Description

technical field [0001] The invention relates to a financial transaction, especially a transaction settlement method for network group buying. Background technique [0002] With the popularization of the Internet and the development of e-commerce, a mode of using the Internet to organize group purchases to reduce transaction costs has emerged. Through the online group buying model, originally scattered consumers can use network technology to organize to initiate group purchases from manufacturers or merchants, so as to enjoy group purchase discounts / discounts and after-sales services through large orders. Usually, the larger the purchase quantity of online group buying orders, the lower the discounts consumers enjoy, the more discounts they have, and the more guaranteed after-sales service. However, due to the scattered distribution of consumers and the low level of unity, various factors leading to the failure of the final transaction are more than normal unit group purchas...

AI Technical Summary

Problems solved by technology

[0004] The reason why the expected transaction volume and the actual transaction volume are as consistent as possible in the online group buying is that the online group buying itself relies on the relationship between the transaction volume and price to balance the interests of both parties and win the market, and because of the scattered distribution of product buyers , if the transaction adopts one-time payment, the expected and actual quantity will not be consistent, which will inevitably make the interests of both parties unable to achieve an ideal balance; and the use of down payment combined with the second payment of the difference, when the expected and actual transaction quantity is inconsistent, the resulting It is a very difficult job to pay the difference to the product buyers one by one, and the cost is often unacceptable to the group purchase organizers

From the existing technology, this cost can be reduced through the bank's batch transfer process, but it is difficult to collect the bank accounts of product buyers

Therefore, there is no good technical means and methods to solve this problem

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