Exciting method and system for enterprise credit in electronic business

Abstract

The invention discloses a credit motivation system, including: regulatory system for regulatory design of e-commerce activities; trading information processing systems for collecting, analyzing and displaying information of product quality and credit; enterprise risk financing system for financing and managing the enterprises within the website; logistics risk system for insuring logistics and managing logistics risk; freight damage auction system for losses settlement of insurance services; entrust system for online payments and contract review, preservation, implementation and monitoring. The present invention of electronic business credit motivation can reduce the product quality risks, logistics risks and promote the sound development of e-commerce. Meanwhile, it also provides a new low-cost operating system and method for banking, insurance and logistics.

Description

technical field [0001] The invention relates to a processing method and system for enterprise credit incentives and transaction risk reduction in e-commerce websites. Background technique [0002] From the perspective of information utilization, the characteristics and problems of enterprises in the three areas of sales, financing, and logistics in traditional commerce are as follows: [0003] In the traditional business transaction mode, enterprises must pay the cost of traditional marketing channels (such as the cost of exhibition halls in shopping malls, etc.) to show product quality and performance to buyers more intuitively, and sell to buyers after gaining the trust of buyers in product quality. For buyers, the information transmission effect is good but the cost is high. In the traditional financial business, enterprises, especially small and medium-sized enterprises, have failed to truly convey their financial status and profitability to the bank and convince the ba...

AI Technical Summary

Problems solved by technology

[0005] Although the online payment and instant messaging technology of e-commerce have developed greatly, compared with traditional business, the product quality risk faced by the first buyer is still relatively high

Second, although the logistics operation is similar to the traditional model, since most of the parcels and express parcels consigned by e-commerce companies or sellers are commodities (rather than traditional document parcels, etc.), this increases the handling of express companies. Cargo damage risk and personnel moral hazard, so the risk of the logistics link in the field of B2C (Business To Customer) and C2C (Customer To Customer) is obviously increased

[0009] The common defects of the above three patents are: 1. The behavior display data (such as traditional enterprise credit rating information) is not considered under what mechanism the historical information is generated

In addition, the credit evaluation system in the patent application number 01802572.2 and the patent application number 01807227.5 has not taken economic responsibility for the losses caused by the untrue credit evaluation information of the enterprise itself. responsibility

[0010] In terms of logistics, patent application No. 01109270.X and 200510028880.4 are both indirect distribution methods using transit equipment, which do not solve the moral hazard problem in e-commerce logistics

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