Internet product pre-purchasing method, device and system for realizing merchant financing and medium

Abstract

The invention discloses an internet product pre-purchase method for realizing merchant financing. The method comprises the following steps: receiving a pre-purchase request of a first user for any pre-purchase product of a first merchant on a pre-purchase platform; based on the pre-purchase request, a first pre-purchase total amount is calculated according to the following formula: M1 = A * n1, M1 is the first pre-purchase total amount, A is the unit price of the pre-purchase product, and n1 is the pre-purchase number; according to a preset rule of the first merchant, displaying a prepayment interval in which the consumer can select payment and a discount which can be enjoyed by each prepayment in the prepayment interval; based on the advance payment selected by the first user and the corresponding discount which can be enjoyed, calculating a second total amount of advance purchase and an actual advance payment which the first user should pay through the following formulas: M2 = M1 * w1, Q2 = Q1 * w1, M2 being the second total amount of advance purchase, w1 being the discount which can be enjoyed corresponding to the advance payment selected by the first user, Q2 being the actual advance payment, and Q1 being the advance payment selected by the first user; and when a payment notification that the first user completes the actual advance payment is received, generating a pre-purchase order.

Description

technical field [0001] The present invention relates to the technical field of the Internet, in particular to an Internet product pre-purchase method, device, system, equipment and readable storage medium for realizing merchant financing. Background technique [0002] With the increasing popularity of e-commerce, more and more people choose to shop online, but the current traditional online shopping method is often that consumers purchase goods / products provided by merchants immediately and pay in full, and then Merchants deliver goods within a very short period of time, and consumers often choose whether to buy based on the current price of the goods / products provided by the merchant. The disadvantage of this spot transaction model is that it is impossible for consumers to participate in the production activities of the merchant, and it is impossible to lock the final selling price of the product at a lower price through the pre-order method, and it is impossible for the me...

AI Technical Summary

Problems solved by technology

The disadvantage of this spot transaction model is that it is impossible for consumers to participate in the production activities of the merchant, and it is impossible to lock the final selling price of the product at a lower price through the pre-order method, and it is impossible for the merchant to obtain an interest-free payment from the product buyer in advance. Funds to solve the problem of insufficient liquidity of producers and sellers

In addition, according to relevant media reports, there is a common problem of insufficient working capital among small and medium-sized enterprises in China, and banks are unwilling to lend to small and medium-sized enterprises in order to control loan risks. Many small and medium-sized enterprises have to borrow money from banks. Do not borrow usury from the private sector, as a result, many violent debt collection incidents have occurred, which has brought misfortune to some business owners

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