Internet-based b2c e-commerce system
A technology of e-commerce and the Internet of Things, applied in the field of Internet e-commerce, can solve the problems of related personnel and financial institutions, and achieve the effect of avoiding the delay of collection time and high utilization efficiency
Active Publication Date: 2020-04-10
涅生科技(广州)股份有限公司
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Problems solved by technology
This requires the involvement of many people and places an unnecessary burden on the people involved and financial institutions
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[0022] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in combination with specific embodiments and with reference to the accompanying drawings. It should be understood that these descriptions are exemplary only, and are not intended to limit the scope of the present invention. Also, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concept of the present invention.
[0023] Such as figure 1 As shown, the Internet-based B2C e-commerce system of the present invention includes an online merchant, an intelligent interactive device and a payment processing platform.
[0024] The intelligent interactive device has an intelligent Internet of Things gateway and an Internet of Things monitoring device. The intelligent interactive device is used to place an order with an online merchant throug...
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The invention relates to an Internet-based B2C electronic commerce system, which comprises an online merchant, an intelligent interactive device and a payment processing platform. The payment processing platform includes a transaction server, a collection bank and a payment bank. The intelligent interactive device is provided with an intelligent internet of things gateway and an internet of thingsmonitoring device. The intelligent interactive device is used for placing an order to an online merchant and sending payment request information to a payment processing platform through the network,receiving the merchandise stored, analyzing and generating settlement triggering information and sending the information to the payment processing platform. The payment processing platform is configured to receive and process the payment request information, and the transaction server suspends processing the clearing message sent by the acquiring bank according to the delayed payment rule. If thecorresponding settlement triggering information is received, the receiving bank is instructed to complete the order fund settlement. The invention improves the utilization efficiency of funds, can automatically stop payment when the ordered goods do not arrive as expected, and can be widely applied to consumption scenes such as unmanned supermarket supply.
Description
technical field [0001] The invention relates to the field of Internet e-commerce, in particular to an Internet-based B2C e-commerce system. Background technique [0002] With the development of society, e-commerce is gradually playing a greater role in my country's economy, which not only brings economic benefits, but also changes people's consumption habits and economic structure. [0003] Electronic payment is information transmission completed through digital circulation on a certain technical basis. Simply put, its various payment methods are carried out in a digital way, which is different from the traditional payment methods that use cash circulation and bills. There are obvious differences in the way of payment by physical currency such as transfer or bank summary. [0004] At the present stage, most of the e-commerce payment occurs in the Internet, or in a relatively open network environment, which brings corresponding security problems. In addition, for long-term ...
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IPC IPC(8): G06Q30/06G06Q20/08
CPCG06Q20/085G06Q30/0601G06Q20/308
Inventor 罗孝琼
Owner 涅生科技(广州)股份有限公司