System and method for implementing internet trade guarantee payment and financing

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...

AI Technical Summary

Problems solved by technology

[0004] 1. If the buyer is only short of money temporarily, he can pay by himself on the delivery date of the seller. In the current situation, he must apply for a loan when ordering, which will cause the customer to pay additional bank interest

[0005] 2. The security deposit deposited in the website payment intermediary is not interest-bearing, which also increases the loss of customers virtually.

[0006] 3. At present, the general banks conduct financing based on the real trade of customers. Since the connection between the banking system and the online trade system has not been realized, the authenticity of the transaction cannot be verified, so that the buyer and the seller cannot go to the bank...

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