Trade prevention (reality and network) fake system using deposit as assuring mode

Abstract

The invention is a transaction fraud proofing system using deposit as assuring mode. A seller stores transaction deposit in an assuring system in advance before the transaction between seller and buyer, and when the buyer orders by an ordering program provided by the system, the system will real-timely lock up the deposit according to the sum of money in an order form, so that the order form can be protected by the system. When complaint or fraud occurs, in a specified protection period, the system will continue locking up the deposit and mediate: if the mediation fails, the buyer can complain to a í‹complaint organization. When the processed result is produced, if the seller does not execute, the system-locked deposit will be used to pay the buyer; if the transaction succeeds, the locked deposit will be automatically unlocked, and after this, the deposit can be used for other order forms or drawn by the seller. Thus, the fixed deposit can repeatedly operate.

Description

technical field [0001] The invention relates to the fields of commodity transactions and Internet e-commerce in reality, and is a technical system method for preventing fraudulent behavior in commodity transactions. Background technique [0002] With the rapid growth of the volume of commodity transactions year by year, the actual and online frauds are increasing, which not only inhibits the development of commodity transactions, but also has a daunting psychological impact on the entire credit system. According to the survey data of the Research Bureau of the People's Bank of China, the direct and indirect losses of enterprises caused by credit problems are as high as 585.5 billion yuan per year. A research document from the State Administration for Industry and Commerce also shows that among all commercial transactions, contract transactions only account for 30% of the total, and the performance rate is only about 60%. [0003] Commodity transaction fraud is mainly manife...

AI Technical Summary

Problems solved by technology

[0013] (1) After passing the integrity audit for the first time and paying the annual fee, there is no complaint and evaluation record, so it will be difficult for the buyer to judge the fraudulent behavior of the seller at this time;

[0014] (2) Having a good reputation in the early stage and no complaint record, but committing large-amount fraud in the later stage;

[0015] (3) Since it is impossible to review personal credit information, the system can only be used to make sensory "judgments" on the integrity of company sellers

[0018] (1) The buyer must register as a member on the intermediary trading platform, and then pay to the platform. If the platform does not receive complaints within the specified time, the payment will be settled to the seller. The transaction process is too complicated. For network beginners, the system lacks its practicality and ease of operation;

[0019] (2) The intermediary platform needs to participate in the process of buying and selling transactions, and extract commissions from the transaction volume, so there will be double bank fees for buyers to pay to the platform and the platform to settle to the seller;

[0020] (3) Currently, online banking restricts the single payment limit for non-digital certificate users to RMB 1,000 per day, and the cumulative payment limit for the day is RMB 3,000-5,000. There is a problem that the payment limit is too large. There is a problem that the buyer of the method cannot enter the account in time;

[0021] (4) According to the operation method of the existing credit intermediary platform, the seller needs to deposit on the credit platform for about 10 days if the express delivery is used, and about 30 days for flat delivery, except that the buyer notifies the platform and the seller after receiving the goods In addition to settlement, other naturally unfrozen orders will be pledged by the platform for 10-30 days of payment, and as long as this credit intermediary platform is used, it is equivalent to a "permanent" pledge, and there is a problem of inflexible capital turnover

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