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Trading information processing method

An information processing method and transaction technology, applied in data processing applications, commerce, instruments, etc., can solve problems such as disputes about the ownership of settlement account interest, difficulty in determining the buyer and user, hidden dangers, etc.

Inactive Publication Date: 2008-04-16
MINSHENG BANKING CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The defect of the existing technology is that: the first e-commerce model requires the establishment of a cooperative relationship of mutual trust between the enterprises on both sides of the transaction, or one party to the transaction is very strong, while the other party is in a relatively passive position, such as a large core enterprise and its suppliers. merchants or dealers, etc., so the scope of application of this e-commerce model is small
In another B2B model that uses a third-party e-commerce platform, the buyer and the seller will pay the deposit to the third-party trading platform. In essence, the third-party trading platform provides a guarantee between the buyer and the seller, but whether the third party Qualified to act as an intermediary for settlement, it is still difficult to determine whether the buyer user trusts the guarantee of the third party, there are potential financial security risks, and the attribution of interest in the settlement account is also quite controversial
In addition, the intervention of the third-party trading platform interrupted the capital flow of both parties to the transaction, which brought difficulties for both parties to issue invoices

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0018] This implementation provides a transaction information processing method for generating an order initiated by a buyer's merchant in a B2B e-commerce transaction process. like figure 1 shown,

[0019] In step 101, the buyer's merchant terminal sends a transaction request message to the bank payment system, which in this embodiment also includes sending an order generation request message carrying order information. Among them, the order information mainly includes the merchant information of the buyer and the seller, such as the merchant number, account name and account number of the buyer and seller, and also includes transaction information, such as the product name, quantity, unit price, total price, etc.

[0020] Step 102: After receiving the transaction request message, the bank payment system determines the type of the transaction request message. In this embodiment, it is specifically determined that the transaction request message is an order generation request ...

Embodiment 2

[0026] This implementation provides a transaction information processing method for prepayment initiated by the buyer's merchant in the B2B e-commerce transaction process. like figure 2 shown,

[0027] Step 201: The buyer's merchant terminal sends a prepayment prepayment request message to the bank payment system as a transaction request message, for the purpose of prepayment.

[0028] Step 202: After receiving the transaction request message, the bank payment system judges the type of the transaction request message. In this embodiment, it is determined that the transaction request message is a prepayment request message, and the prepayment request message is a prepayment request message. A prepayment request message, that is, a request to prepay the prepayment to the bank.

[0029] Step 203, the bank payment system inquires the corresponding order information according to the prepayment prepayment request message, and sends the prepayment prepayment transfer request messa...

Embodiment 3

[0034] This implementation provides a transaction information processing method in which the buyer's merchant initiates the cancellation of the prepaid payment during the B2B e-commerce transaction process. like image 3 shown,

[0035] Step 301, the buyer's merchant terminal sends a prepayment cancellation request message to the bank payment system as a transaction request message, the purpose of which is to cancel the prepaid prepayment.

[0036] Step 302: After receiving the transaction request message, the bank payment system judges the type of the transaction request message. In this embodiment, it is determined that the transaction request message is a prepayment request message, and the prepayment request message is a prepayment message. A payment cancellation request message, that is, a request to cancel the prepayment that has been prepaid to the bank.

[0037] Step 303, the bank payment system queries the corresponding order information according to the prepayment ...

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Abstract

The invention relates to a business transaction information processing method which includes the following steps: a bank payment system judges received transaction request information; if the information is order formation request information, the bank payment system stores the order information after receiving the order confirmation information transmitted by a seller terminal; if the information is advanced payment request information, the bank payment system inquires corresponding order information and transmits transfer request information to a bank account system for transfer operation. Based on the steps, both a buyer and a seller can pay advance payment to a bank which serves as the transaction guarantee agency in B2B electronic commerce; moreover, with higher public reputation, banks ensures safer and more reliable transaction process along with convenient payment and settlement, thereby promoting successfulness of transaction.

Description

technical field [0001] The invention relates to a transaction information processing method, in particular to a transaction information processing method in which a buyer's merchant delivers prepayment to a bank, and the bank provides a guarantee for the transaction between the buyer and seller's merchants. It belongs to the field of B2B e-commerce. Background technique [0002] B2B (Business-to-Business) is an e-commerce model in which products, services and information are exchanged between enterprises through the Internet. The existing B2B e-commerce models mainly include two types: one is the direct e-commerce between enterprises, such as the online purchase and online supply of manufacturers; the other is the business activities through third-party e-commerce platforms. , all kinds of enterprises can conduct inter-enterprise e-commerce through this e-commerce platform, such as publishing and querying supply and demand information, conducting online communication and bu...

Claims

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Application Information

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IPC IPC(8): G06Q30/00G06Q40/04
Inventor 李颖王琳郝付国
Owner MINSHENG BANKING CORP
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