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Cash deposit based trading method and system

A transaction method and technology of a transaction system, applied in the field of prepayment schemes, can solve the problem that only one pre-authorized transaction can be performed for one prepayment, and achieve the effect of reducing the risk of default and reducing the pressure on cash flow

Inactive Publication Date: 2016-05-04
深圳市商连商用电子技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0014] The technical problem to be solved by the present invention is to provide a transaction method and system based on margin to solve the defect that in the existing prepayment transaction mode, one prepayment can only carry out one pre-authorized transaction

Method used

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  • Cash deposit based trading method and system
  • Cash deposit based trading method and system

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Embodiment Construction

[0050] 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 conjunction with the accompanying drawings and embodiments.

[0051] Such as figure 1 As shown, the margin-based trading method provided by the present invention includes the following steps:

[0052]Step A: Receive the scheduled service request sent by the buyer. The scheduled service request includes the information of the service that the buyer needs to book, and calculate the deposit that the buyer needs to prepay for the scheduled service according to the scheduled service request and the pre-established margin calculation rules for the service , and make a margin deposit request with margin amount information.

[0053] Here, the scheduled services include car rental, car charging, and other services. If the buyer needs to book a car rental service, the service information generally includes informatio...

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Abstract

The invention relates to the field of advance payment schemes, and particularly to a cash deposit based trading method and system. In the cash deposit based trading method and system provided by the invention, multi-time consumption can be carried out after cash deposit is prepaid for one time; and a buyer (consumer) can carry out multiple times of settlement based on needs of a seller. Due to the multiple times of settlement, a cash flow pressure of the seller can be lightened greatly; and meanwhile, a default risk of the buyer and loss of the seller caused by default of the buyer are reduced.

Description

technical field [0001] The invention relates to the field of prepayment schemes, in particular to a margin-based transaction method and system. Background technique [0002] Pre-authorization business refers to the business in which the special merchant obtains from the card issuer a payment commitment not exceeding a certain percentage of the pre-authorized amount within the period specified by the cardholder, and accepts the cardholder to the card issuer after the cardholder obtains the goods or receives the service. In layman's terms, it is a business that freezes part of the funds in the bank card as a deposit, and then settles according to the actual consumption amount. The basic business process is as follows: [0003] 1. After the buyer negotiates with the seller to determine the deposit amount, the buyer authorizes a third party to freeze the specified amount in the buyer's card account as a deposit, promising that the deposit can be used to purchase the seller's co...

Claims

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Application Information

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IPC IPC(8): G06Q20/24
CPCG06Q20/24
Inventor 郭兵黄雄星王成袁勇
Owner 深圳市商连商用电子技术有限公司
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