Electronic settlement capital dealing system

Abstract

The invention relates to an electronic settlement fund transaction system, composed of a client-end and a management end, wherein the client-end is composed of a computer at the client-end, a cash or payment device, the client-end is also composed of an individual information identification device and a business card; a module for transmitting information is provided in a computer at the client-end; the business card is arranged in a computer at the client-end, which is in electrical connection or information connection with the cash or payment device and individual information identification device at the client-end. A computer at the management end and the individual information identification device at the management end are in the electrical connection or information connection, and the computer at the client-end is in information connecting with the computer at the management end. The invention is simple in operation and use, good in security, thereby stopping corruption or theft, and being favorable of stabilization of public order.

Description

Technical field: [0001] The invention relates to an electronic settlement fund transaction system. Background technique: [0002] In the existing traditional buying and selling relationship process, people's capital transactions generally use cash transactions; and the traditional online shopping process is divided into two categories: one is that shoppers choose goods on the website where the goods are provided, and use various banks to Or the BtoC payment platform provided by UnionPay to pay for the goods to the merchant. The usual BtoC payment platform transfers the corresponding money in the payment account to the merchant's account in the bank according to the commodity price, and notifies the merchant of the successful transfer information and amount. After confirming that the shopper has paid, the merchant will deliver the goods according to the shopper's payment order. The other is: the shopper selects the product on the website where the product is provided, and n...

AI Technical Summary

Problems solved by technology

For merchants, due to the incompatibility between the existing traditional online settlement model and the current consumer-friendly model of money and goods, most potential shoppers are kept out of the door of online shopping. Make it relatively difficult to expand the business scale of online shopping

Although merchants can also adopt the practice of collecting cash after delivery, the increase in cash flow will definitely increase financial costs and potential risks

[0003] For the bank, if there is a dispute between the shopper and the merchant caused by the merchant’s failure to deliver the goods, although this problem arises due to the credit of the merchant, the bank as the provider of the BtoC settlement solution is not responsible for the behavior of both the seller and the buyer, but Shoppers often point the finger at the bank without knowing what it is, causing the bank to be involved in unnecessary disputes, increasing the cost of the bank's work, and having a certain impact on the company's image of the bank in the minds of shoppers

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