System and method for implementing internet trade guarantee payment and financing

A technology for buyers and sellers, applied in payment architecture, finance, instruments, etc., to solve problems such as cumbersome procedures, increased customer losses, and long bank processing times

A technology for buyers and sellers, applied in payment architecture, finance, instruments, etc., to solve problems such as cumbersome procedures, increased customer losses, and long bank processing times

CN101354765AInactive Publication Date: 2009-01-28INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • System and method for implementing internet trade guarantee payment and financing
  • System and method for implementing internet trade guarantee payment and financing
  • System and method for implementing internet trade guarantee payment and financing

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Embodiment Construction

[0139] In order to make the objectives, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below with reference to specific embodiments and accompanying drawings.

[0140] The invention connects the relevant business system of the bank with the e-commerce website, and the bank accepts the guarantee payment and financing under the background of online trade submitted by the customer from the website, the issuance of the guarantee payment letter, the seller's bill, the packaged loan, the buyer's bill and the arrival. Approval and processing of related businesses based on the customer's accumulated credit score in online transactions and credit status in the bank, direct account processing for the approved guaranteed payment and financing business, and finally send the results through the e-commerce website feedback to customers.

[0141] like figure 1 shown, figure 1 It is a schematic diagram of the st...

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Abstract

The invention discloses a system capable of realizing online trading guarantee payment and financing. The system comprises an online trading service processing device, a banking service processing device, a teller terminal and a client terminal, wherein the online trading service processing device is used for receiving the access requests from clients, carrying out the client identity authentication and processing the online trading transactions, and is responsible for communicating with a banking system; the banking service processing device is used for communicating with the online trading service processing device, receiving the business requests submitted by the client terminal through the online trading service processing device , receiving the access of the teller terminal, carrying out the authentication for the teller terminal, and realizing the inner business processing flow and accounting treatment of banks; the teller terminal is used for allowing bank tellers to log on the banking service processing device; the client terminal is used for allowing the clients to log on the trade service processing device . The invention discloses a method capable of realizing the online trading guarantee payment and financing. With the invention, the banking guarantee payment and financing can be transacted directly on line, and more convenient services are provided for the online trade.

Description

technical field [0001] The invention relates to the field of guarantee payment and financing for online trade by banks, in particular to a system and method for realizing online trade guarantee payment and financing, which belongs to a new type of electronic banking business, based on the accumulation of customers in online trade. Credit score, credit guarantee and financing to customers. This kind of business is carried out entirely based on the network, and does not require customers to go through any procedures at the bank counter. The identity of the customer is ensured by means of digital certificates, so that customers can enjoy bank guarantee and financing services without leaving home. Background technique [0002] At present, the payment of online trade either adopts the intermediate payment tool provided by the website, such as Alipay of Alibaba, or adopts the payment method of traditional trade, such as applying to the bank to open a letter of credit. [0003] Th...

Claims

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Application Information

Patent Timeline
28 Jan 2009
Publication
CN101354765A
IPC
G06Q20/00; G06Q30/00; G06Q40/00; G06Q20/12; G06Q40/06
Inventors
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