TWI462047B - To achieve overseas transactions online trading methods and online trading system - Google Patents

Description

Online trading method for realizing overseas transactions and online trading system

The invention relates to a network transaction, in particular to an online transaction method and an online transaction system for realizing overseas transactions.

With the development of the Internet and the maturity of encryption technologies such as digital signatures, e-commerce has flourished around the world, and a large number of mature examples of e-commerce as the main operating mode, such as Amazon and Alibaba, have emerged.

This way of trading has completely changed the existing trading model. Please refer to FIG. 1 , which is a schematic diagram of the structure of a conventional online transaction system. It includes merchant 1, intermediate platform 2, card issuing subsystem 3 and user 4. The user 4 pre-purchases the goods of the merchant 1, first completes the online payment of the card issuing subsystem 3 by using the intermediate platform 2, and then the merchant 1 delivers the goods to the user 4 by mail or other means. The merchant 1 and the card issuance subsystem 3 periodically perform reconciliation and debit processing with the intermediate platform 2. Of course, the functions performed by the card issuing subsystem 3 can also be integrated into the intermediate platform 2.

The intermediate platform 2 takes Alipay as an example. User 4 can open an account on Alipay and store a certain amount of money directly on the account or recharge, so that when user 4 pre-purchases the goods of merchant 1, it only needs to be deducted through Alipay. The treatment can be done. And through the above method, the merchant 1 only needs to complete the reconciliation and accounting work with Alipay on a regular basis.

At least one server center 11 and one database 12 are disposed on the intermediate platform 2. The server center 11 is used to process each transaction request. The database 12 is used to record each transaction in real time. Moreover, the merchant 1 and the card issuance subsystem 3 also perform the reconciliation of the business bills periodically by accessing the database 22.

Merchant 1 and User 4 of the above transaction model are usually in the same country or have the same credit system. Taking User 4 as a Chinese citizen as an example, if User 4 wants to purchase goods from a foreign online merchant, the existing transaction mode is usually:

A1: The user 4 logs in to the website of the foreign online merchant 1 to make a transaction request, and the transaction request includes the purchased goods, the price, the payment method, the user information, the mailing address, and the like:

A2: User 4 exchanges the RMB to the special foreign exchange swap institution for the corresponding currency. The currency is the currency that the online merchant 1 can accept, such as US dollars, and the corresponding amount of foreign currency can be transferred or mailed to the merchant 1 Accepted account.

A3: After the online merchant 1 checks and receives the corresponding amount, it performs the shipping operation.

The user 4 can also directly transfer the money to the account of the online merchant 1 and directly transfer the money to a foreign intermediate platform such as Alipay, thereby improving the security of the transaction. In addition, if the user 4 has the corresponding currency amount, the money amount may be directly transferred or transferred to the corresponding account.

However, the above trading model has the following drawbacks:

(1) If the buyer wants to purchase overseas goods, he/she needs to have the corresponding amount of currency. Especially for the majority of mainland users, it is usually necessary to bring an ID card to the bank for exchange operations, and then transfer or remittance processing, the operation is very inconvenient, it is impossible for buyers to purchase the world without leaving the house. Demand, that is, the vision of seamless shopping outside the Internet. In addition, the buyer needs to calculate the amount of RMB required for the currency of the corresponding amount. The exchange rate of the foreign exchange real-time quote system of each exchange bank is different, so the buyer must conduct an overseas purchase of goods. In order to reduce the exchange rate difference, it is very inconvenient to compare the foreign exchange rates of many banks. Moreover, the buyer considers that many times it can not directly consider the credit of the merchant and automatically renounces the purchase of the goods, and each time the transaction receives money from the buyer and the merchant receives the money, the mail order commodity cycle is very long, which is not conducive to the transaction. In summary, the existing transaction model has technical problems that are inconvenient to trade.

(2) Many buyers automatically give up the purchase of goods considering the creditworthiness of the merchants. There are still many buyers who consider that the quality of the purchased goods is not guaranteed, and the products that are bought but not closed have no corresponding refund mechanism and automatically give up the purchase of goods. For merchants, how to eliminate the buyer's distrust and increase sales is a matter of particular concern to merchants. In other words, the existing trading model has technical problems with low transaction security.

The object of the present invention is to provide an online transaction method and an online transaction system for realizing overseas transactions with high security and convenient operation.

In order to achieve the above object, the present invention provides an online transaction method for realizing overseas transactions, which is used for a user to purchase domestic commodities using goods on an overseas trading website through an intermediate platform, including:

(1) The user logs in to the contracted overseas transaction website and sends the selected product information to the overseas transaction website;

(2) The overseas transaction website sends a transaction request to the intermediate platform, the transaction request including at least user information, transaction product information, foreign currency amount and currency of the transaction;

(3) The intermediate platform receives the transaction request, first calculates the domestic currency amount of the transaction according to the foreign currency exchange rate pricing obtained from the financial platform in advance, and then displays the domestic currency amount of the transaction to the authenticated user;

(4) after receiving the payment confirmation of the user, the intermediate platform purchases the corresponding domestic currency amount in the corresponding account of the user through the financial platform to operate into the corresponding foreign currency;

(5) The intermediate platform sends the transaction information of the successful payment to the overseas transaction website, so that the overseas transaction website performs the delivery processing;

(6) The intermediate platform and the overseas transaction website complete the clearing and sharing operations on a periodic basis.

The step (3) further includes: the intermediate platform sends the ID number information input by the user to the ID card authentication system of the Ministry of Public Security networked with the intermediate platform for verification operation.

The step (4) further includes: the intermediate platform performs a purchase limit control operation on the purchase limit of the user, if the single purchase value of the user is greater than a preset value or the cumulative purchase value of the user in the current year is greater than a preset At the time of the value, the user is notified that the purchase of the foreign exchange has exceeded the limit, the transaction is stopped, and the transaction stop information is returned to the overseas transaction website.

The invention further includes: when receiving the refund processing request sent by the user or the overseas transaction website, the intermediate platform determines whether the refund processing request meets the preset requirement, and if so, the foreign currency is exchanged through the financial platform After remitting the domestic currency, it will be deposited into the corresponding account of the user, and the refund processing result will be sent to the user and the corresponding overseas transaction website.

Step (4) further includes:

(4-1) The corresponding domestic currency amount in the corresponding account of the user is saved in advance;

(4-2) During the preset time period, the intermediate platform purchases the amount of the domestic currency amount pre-stored in the time period through the financial platform to the corresponding foreign currency operation.

The invention further includes: the intermediate platform saves each overseas transaction information, accepts the query request of the user and the overseas transaction website, and sends the query response to the corresponding user or the overseas transaction website.

An online transaction system for realizing overseas transactions, comprising: at least one user, an intermediate platform, at least one overseas transaction website, at least one financial platform, each user and each overseas transaction website are connected to the said network through the Internet The intermediate platform and each financial platform are connected to the intermediate platform, and the intermediate platform includes at least a server center and a database for storing various materials;

The server center further includes an internet interaction interface, a financial platform interaction interface, a user processing unit, a website processing unit, a transaction processing unit, an identity verification processing unit, a foreign exchange swap processing unit, a foreign exchange processing unit, and a settlement processing unit;

Internet interaction interface: used to establish interactions with users on the Internet and overseas trading websites;

Financial platform interaction interface: used to establish data communication with various financial platforms;

User processing unit: for accepting user registration, modification of user data, saving of each transaction information of the user, and saving the user profile and transaction data to the corresponding database;

Website processing unit: used to accept and save the contract information of each overseas trading website, the transaction information and settlement information corresponding to each overseas trading website;

Transaction processing unit: used to process each overseas transaction request;

Authentication processing unit: used to authenticate each user of an overseas transaction;

Forex swap processing unit: used to obtain the current quote information from the foreign exchange quotation system of the financial platform and save it. The foreign currency amount of each overseas transaction is exchanged for the corresponding domestic currency amount according to the pre-stored quotation information. ;

Purchase of foreign exchange processing unit: through the connection with the financial platform's sales and purchase system, the domestic currency amount is purchased in bulk through the financial platform into the corresponding foreign currency operation.

Settlement processing unit: used to complete the settlement operation with each overseas trading website.

The intermediate platform is connected to the Ministry of Public Security ID card authentication system for verifying the ID number entered by the user.

The invention discloses an online transaction method for realizing overseas transactions, which is used for a user to purchase domestic commodities through the intermediate platform for goods on the overseas transaction website, including:

(1) The user logs in to the overseas transaction website, sends the selected product information to the overseas transaction website, and the overseas intermediate platform connected with the overseas transaction website pre-signs with the intermediate platform;

(3) The overseas transaction website sends a transaction request to the intermediate platform through an overseas intermediate platform, the transaction request including at least user information, transaction product information, foreign currency amount and currency of the transaction;

(4) The intermediate platform receives the transaction request, first calculates the domestic currency amount of the transaction according to the foreign currency exchange rate pricing obtained from the financial platform in advance, and then displays the domestic currency amount of the transaction to the authenticated user;

(5) after receiving the payment confirmation of the user, the intermediate platform purchases the corresponding domestic currency amount in the corresponding account of the user through the financial platform to operate into the corresponding foreign currency;

(6) The intermediate platform sends the transaction information of the successful payment to the overseas transaction website through the overseas intermediate platform, so that the overseas transaction website performs the delivery processing;

(7) The intermediate platform and the overseas intermediate platform complete the clearing and sharing operations on a periodic basis, or the intermediate platform and each overseas transaction website complete the clearing and sharing operations directly according to the cycle.

An online transaction system for realizing overseas transactions, comprising at least one user, an intermediate platform, at least one overseas transaction website, an overseas intermediate platform connected to some or all of the overseas transaction websites, at least one financial platform, each user, an overseas transaction website, and The overseas intermediate platform is connected to the intermediate platform through the Internet, and each financial platform is connected to the intermediate platform. The intermediate platform includes at least a server center and a database for storing various materials;

The server center further includes an internet interaction interface, a financial platform interaction interface, a user processing unit, a website processing unit, a transaction processing unit, an identity verification processing unit, a foreign exchange swap processing unit, a foreign exchange processing unit, and a settlement processing unit;

Internet interaction interface: used to establish interactions with users on the Internet, overseas intermediate platforms, and overseas trading websites;

Financial platform interaction interface: used to establish data communication with various financial platforms;

User processing unit: for accepting user registration, modification of user data, saving of each transaction information of the user, and saving the user profile and transaction data to the corresponding database;

Website processing unit: used to accept and save the contract information of each overseas intermediate platform, transaction information and settlement information corresponding to each overseas intermediate platform;

Transaction processing unit: used to process each overseas transaction request;

Authentication processing unit: used to authenticate each user of an overseas transaction;

Forex swap processing unit: used to obtain the current quote information from the foreign exchange quotation system of the financial platform and save it. The foreign currency amount of each overseas transaction is exchanged for the corresponding domestic currency amount according to the pre-stored quotation information. ;

Purchase and purchase processing unit: through the connection with the financial platform's sales and purchase system, the domestic currency amount is purchased in batches through the financial platform into the corresponding foreign currency operation;

Settlement processing unit: used to complete settlement operations with various overseas intermediate platforms or directly with overseas trading merchants for settlement operations.

Compared with the prior art, the invention can make the user complete the overseas transaction processing without leaving the house, which is very convenient, and has an intermediate platform as a guarantee, thereby greatly improving the security of the transaction.

The invention will be specifically described below in conjunction with the accompanying drawings.

Please refer to FIG. 2 , which is a schematic structural diagram of an online transaction system for realizing overseas transactions according to the present invention. It comprises at least one user 21, an intermediate platform 22, at least one overseas transaction website 23, and at least one financial platform 24. Each user 21 and each overseas transaction website 23 is connected to the intermediate platform 22 via the Internet, and each financial platform 24 is connected to the intermediate platform 22. The intermediate platform 22 includes at least a server center 25 and a database for storing various materials. 26.

The server center 25 further includes an internet interaction interface 251, a financial platform interaction interface 252, a user processing unit 253, a website processing unit 254, a transaction processing unit 255, an identity verification processing unit 256, a foreign exchange swap processing unit 257, and a foreign exchange processing. Unit 258 and settlement processing unit 259.

Internet interaction interface 251: for establishing interaction with users 21 on the Internet, overseas transaction website 23;

Financial platform interaction interface 252: for establishing data communication with various financial platforms;

The user processing unit 253 is configured to accept the user's registration, modify the user profile, save the transaction information of each user, and save the user profile and transaction data to the corresponding database;

The website processing unit 254 is configured to accept and save the contract information of each overseas transaction website, the transaction information and the settlement information corresponding to each overseas transaction website;

Transaction processing unit 255: for processing each overseas transaction request;

Authentication processing unit 256: for authenticating each user of the overseas transaction;

The foreign exchange swap processing unit 257 is configured to periodically obtain and save the current bid information from the foreign exchange quotation system of the financial platform, and replace the foreign currency amount of each overseas transaction with the corresponding domestic currency according to the pre-stored quotation information. Amount

The foreign exchange processing unit 258: through the connection with the financial platform of the financial platform, the domestic currency amount is purchased in batches through the financial platform to be converted into corresponding foreign currency operations.

The settlement processing unit 259 is configured to complete the settlement operation with each overseas transaction website.

The Internet interaction interface 251, the financial platform interaction interface 252 is typically a communication interface. The user processing unit 253, the website processing unit 254, the transaction processing unit 255, the identity verification processing unit 256, the foreign exchange swap processing unit 257, the foreign exchange processing unit 258, and the settlement processing unit 259 are typically logical units, which may be implemented by a processor.

The intermediate platform is connected to the Ministry of Public Security ID card authentication system for verifying the ID number entered by the user. For example, the ID number and name entered by the user are compared with the information of the ID card authentication system of the Ministry of Public Security. If they are consistent, the identity authentication is passed. If they are inconsistent, the subsequent identity authentication is refused. Considering the security of the certification, the digital certificate can also be opened for further certification.

In addition, the intermediate platform can be connected with a plurality of financial platforms, and the intermediate platform is connected with the sales and purchase system of each financial platform, the exchange rate quotation system, etc., so as to perform exchange processing and calculate remittance. The financial platform also interfaces with the SAFE platform to enable timely monitoring of user exchanges. The financial platform can also be docked with the overseas financial platform, so that the intermediate platform can remit the foreign currency to the overseas financial platform designated by the overseas trading website.

Based on the above disclosed system, the present invention provides a flow of the first online transaction method for realizing overseas transactions. Referring to FIG. 3, the user uses the intermediate platform to purchase domestic commodities on the overseas transaction website, including:

S110: The user logs in to the contracted overseas transaction website, and sends the selected product information to the overseas transaction website.

The user is a registered user of the intermediate platform and must be a real-name user. When the user logs in to the intermediate platform, the intermediate platform can authenticate it first: the intermediate platform connects the ID number and name entered by the user to the Ministry of Public Security for verification. If the information is consistent, the verification is passed, and if the verification is not Pass, then the subsequent operations are not allowed. The intermediate platform can also perform other methods of authentication. When the user is registering, the user needs to input the user ID information, and the intermediate platform pre-networks the received user ID information to the Ministry of Public Security for verification. Registration is allowed, otherwise registration is not allowed. When subsequent users log in, there is no need to further authenticate the user. Or, considering the occurrence of an incident in which someone fraudulently uses another person's identity card, the name of the bank account that is required to be paid may be the same as the name on the user's ID card. Otherwise, it is not allowed to register overseas. Of course, user payment can be done in many ways, not just in bank accounts, so there are certain limitations to this approach. In addition, the user who conducts the overseas transaction may perform verification when the user logs in, or may perform verification during the transaction process. The above is only an example and is not intended to limit the present invention.

The overseas trading website contracts with the intermediate platform in advance, and can specify the proportion of the overseas trading platform with the intermediate platform, and the settlement method. For example, an overseas trading website may also specify which bank (ie, the domestic financial platform) to perform the exchange operation, and how often the overseas trading website settles with the intermediate platform.

Users log in to a contracted overseas trading website to view their product information. When the user needs to purchase an item, the selected item information is sent to the overseas transaction website.

S120: The overseas transaction website sends a transaction request to the intermediate platform, and the transaction request includes at least user information, transaction commodity information, foreign currency amount and currency of the transaction.

The overseas trading website receives the product information and the number of products selected by the user, and forms a transaction request message to be sent to the intermediate platform. The transaction request includes at least the transaction number, user information, transaction product information, the amount of foreign currency to be paid and the currency.

S130: The intermediate platform receives the transaction request, first calculates the domestic currency amount of the transaction according to the foreign currency exchange rate obtained from the financial platform in advance, and then displays the domestic currency amount of the transaction to the authenticated user.

In this example, the intermediate platform may obtain foreign currency exchange rate pricing corresponding to the financial platform from various financial platforms, such as RMB against Japanese yen, RMB against US dollars, and Renminbi against the euro. When the intermediate platform receives the transaction request, the currency and the amount of the foreign currency are obtained therefrom, and the foreign currency exchange rate pricing of the financial platform designated by the overseas transaction website is found, and the corresponding domestic currency amount is calculated. And send the information of the domestic currency amount to the corresponding user.

Authentication of the user can also be done in this step or further verified.

Of course, the intermediate platform can also compare the foreign currency exchange rate pricing of the financial platforms, and the exchange rate of the foreign currency exchange rate is the most favorable exchange rate to calculate the amount of domestic currency.

S140: After receiving the payment confirmation of the user, the intermediate platform purchases the corresponding domestic currency amount in the corresponding account of the user through the financial platform to be converted into the corresponding foreign currency operation.

A1: When the intermediate platform sends the transaction information such as the domestic currency amount to the user, the user needs to further confirm whether the purchase is needed. If yes, proceed to the next step A2. If not, stop the next operation and return the transaction result. To the corresponding overseas trading website.

A2: After receiving the confirmation that the user needs payment, the intermediate platform determines whether the user has a corresponding account on it, and if so, whether there is a corresponding amount in the account, if yes, perform A3 operation, and if not, prompt the user Recharging the account or providing additional payment methods to cover the corresponding amount;

A3: The intermediate platform will purchase the corresponding domestic currency amount in the account through the financial platform to the corresponding foreign currency corresponding to the amount in the payment mode acceptable to the user. Considering that the intermediate platform performs a foreign exchange purchase operation every time, it is very troublesome. To this end, the corresponding domestic currency amount in the corresponding account is saved in advance, and the intermediate platform purchases the domestic currency amount pre-stored in the time period through the corresponding financial platform to the corresponding foreign currency operation in a preset time period. . For example, today there are 50 transactions for Bank of China, and 100 for Construction Bank. The intermediate platform will complete the exchange operation in batches before the bank leaves work, and complete the exchange operation of the remittance bank in batches. Taking Alipay as an example, Alipay is initiating a purchase order for the Bank of China. The Bank of China conducts actual purchase of foreign exchange and purchases it in the name and amount of each individual. Notify Alipay after the purchase of the foreign exchange.

The intermediate platform performs a purchase limit control operation on the purchase limit of the user, and if the single purchase value of the user is greater than a preset value or the cumulative purchase value of the user in the current year is greater than a preset value, the user is notified The purchase of foreign exchange has been exceeded, the transaction is stopped, and the transaction stop information is returned to the overseas trading website.

S150: The intermediate platform sends the transaction information of the successful payment to the overseas transaction website, so that the overseas transaction website can perform the delivery processing.

The intermediate platform returns the transaction result to the overseas trading website. If the payment is successful, the overseas trading website can perform the delivery processing. The overseas trading website may directly deliver the goods according to the shipping address submitted by the user on the website, or may obtain the user information (such as the user name, user contact information, etc.) after being confirmed by the user by logging in to the corresponding user processing unit of the intermediate platform. Shipment processing.

S160: The intermediate platform and the overseas trading website complete the clearing and sharing operations on a periodic basis.

The intermediate platform and the overseas trading website complete the clearing and sharing operations according to the cycle agreed upon at the time of signing.

When receiving the refund processing request from the user or the overseas transaction website, the intermediate platform determines whether the refund processing request meets the preset requirement, and if so, converts the foreign currency into a domestic currency through the financial platform. , deposit into the account corresponding to the user, and send the refund processing result to the user and the corresponding overseas transaction website.

The intermediate platform saves each overseas transaction information, accepts the query request from the user and the overseas transaction website, and sends a query response to the corresponding user or overseas transaction website. The transaction details queried by the user include at least the currency, the foreign currency commodity price, the product name, and the like.

Through the above transaction mode, the user can complete the overseas online transaction without leaving the home, and the user does not need to consider the qualifications of the overseas transaction website, and the user does not need to go to the bank to complete the exchange transfer and other work, the user only needs to use the territory. The currency can be easily purchased for overseas products, which is very convenient and has a high safety factor. For the merchants, the convenience of the transaction is greatly improved, thereby increasing the success rate of the transaction.

The above intermediate platform is directly connected to the overseas trading website, and can also be connected with the overseas intermediate platform. Of course, the intermediate platform can support direct connection with the overseas trading website, and can also support the connection with the overseas intermediate platform. In the following, we will specifically connect with the overseas intermediate platform to explain how to complete the overseas transaction.

Please refer to FIG. 4 , which is another schematic structural diagram of an online transaction system for realizing overseas transactions. It comprises at least one user 31, an intermediate platform 32, at least one overseas transaction website 33, an offshore intermediate platform 34 connected to some or all of the overseas transaction websites, and at least one financial platform 35. Each user 31 and each overseas transaction website 33 overseas intermediate platform 34 is connected to the intermediate platform 32 via the Internet, and each financial platform 35 is connected to the intermediate platform 32. The intermediate platform 32 includes at least a server center 36 and is used to store various Database of information 37.

The server center 36 further includes an internet interaction interface 361, a financial platform interaction interface 362, a user processing unit 363, a website processing unit 364, a transaction processing unit 365, an identity verification processing unit 366, a foreign exchange swap processing unit 367, and a foreign exchange processing. Unit 368 and settlement processing unit 369.

Internet interaction interface 361: for establishing interaction with users 31 on the Internet, the overseas intermediate platform 34, and the overseas transaction website 33;

Financial platform interaction interface 362: used to establish data communication with various financial platforms;

The user processing unit 363 is configured to accept the user's registration, modify the user profile, save the transaction information of each user, and save the user profile and transaction data to the corresponding database;

The website processing unit 364 is configured to accept and save the contract information of each of the overseas intermediate platforms, the transaction information and the settlement information corresponding to each of the overseas intermediate platforms;

Transaction processing unit 365: for processing each overseas transaction request;

Authentication processing unit 366: for authenticating each user of the overseas transaction;

The foreign exchange swap processing unit 367 is configured to periodically obtain and save the current bid information from the foreign exchange quotation system of the financial platform, and the foreign currency amount of each overseas transaction is exchanged for the corresponding domestic currency according to the pre-stored quotation information. Amount

The foreign exchange processing unit 368: through the connection with the financial platform of the financial platform, the domestic currency amount is purchased in batches through the financial platform to be converted into corresponding foreign currency operations;

The settlement processing unit 369 is configured to complete a settlement operation with each of the overseas intermediate platforms.

The overseas intermediate platform 34 is similar to the intermediate platform 32 for performing interaction and settlement with the intermediate platform 32, and the overseas intermediate platform 34 is for providing interaction, settlement, and the like between the overseas transaction website 33 and the intermediate platform 32.

Based on the above disclosed system, the present invention provides a second process for implementing an online transaction method for overseas transactions, see FIG. 5, which is used for a user to utilize goods on an overseas transaction website through an intermediate platform and/or an overseas intermediate platform. The currency is purchased, including:

S210: The user logs in to the overseas transaction website, sends the selected product information to the overseas transaction website, and the overseas intermediate platform connected with the overseas transaction website pre-signs with the intermediate platform;

S220: The overseas transaction website sends a transaction request to the intermediate platform through an overseas intermediate platform, where the transaction request includes at least user information, transaction product information, a foreign currency amount of the transaction, and a currency;

S230: The intermediate platform receives the transaction request, first calculates the domestic currency amount of the transaction according to the foreign currency exchange rate pricing obtained from the financial platform in advance, and then displays the domestic currency amount of the transaction to the authenticated user;

S240: After receiving the payment confirmation of the user, the intermediate platform purchases the corresponding domestic currency amount in the corresponding account of the user through the financial platform into a corresponding foreign currency operation;

S250: The intermediate platform sends the transaction information of the successful payment to the overseas transaction website through the overseas intermediate platform, so that the overseas transaction website performs the delivery processing;

S260: The intermediate platform and the overseas intermediate platform complete the clearing and sharing operations on a periodic basis, or the intermediate platform directly performs liquidation with each overseas transaction website.

The second type of website transaction embodiment is similar to the first type of website transaction embodiment. The only difference is that the intermediate platform completes the contract through the overseas intermediate platform instead of directly signing with the overseas transaction website. At the same time, the intermediate platform and the overseas intermediate platform complete the liquidation. With the division of work, the overseas intermediary platform will complete the liquidation and sharing with the overseas trading websites signed by the various parties. As for how the overseas intermediate platform is connected with the overseas trading website, clearing and sharing, etc., it is not considered in the transaction of this website. Or, the intermediate platform directly clears with each overseas trading website, regardless of how the liquidation between the overseas trading website and the overseas trading platform is clear.

Of course, it should be noted that the intermediate platform can directly sign contracts with overseas trading websites and can sign contracts with overseas intermediate platforms, which does not affect the effectiveness of online overseas transactions.

The above disclosure is only a few specific embodiments of the present invention, but the present invention is not limited thereto, and any changes that can be conceived by those skilled in the art should fall within the protection scope of the present invention.

1. . . Merchant

2. . . Intermediate platform

3. . . Card issuing subsystem

4. . . user

11. . . Server center

12. . . database

twenty one. . . user

twenty two. . . Intermediate platform

twenty three. . . Overseas trading website

twenty four. . . Financial platform

25. . . Server center

26. . . database

31. . . user

32. . . Intermediate platform

33. . . Overseas trading website

34. . . Overseas intermediate platform

35. . . Financial platform

36. . . Server center

37. . . database

251. . . Internet interaction interface

252. . . Financial platform interaction interface

253. . . User processing unit

254. . . Website processing unit

255. . . Transaction processing unit

256. . . Authentication processing unit

257. . . Foreign exchange processing unit

258. . . Purchase processing unit

259. . . Settlement processing unit

361. . . Internet interaction interface

362. . . Financial platform interaction interface

363. . . User processing unit

364. . . Website processing unit

365. . . Transaction processing unit

366. . . Authentication processing unit

367. . . Foreign exchange processing unit

368. . . Purchase processing unit

369. . . Settlement processing unit

FIG. 1 is a schematic structural diagram of a conventional online transaction system;

2 is a schematic structural diagram of an online transaction system of the present invention;

3 is a schematic flow chart of an online transaction method according to the present invention;

4 is a schematic diagram of a second structure of an online transaction system of the present invention;

FIG. 5 is a schematic diagram of a second flow of the online transaction method of the present invention.

twenty one. . . user

twenty two. . . Intermediate platform

twenty three. . . Overseas trading website

twenty four. . . Financial platform

25. . . Server center

26. . . database

251. . . Internet interaction interface

252. . . Financial platform interaction interface

253. . . User processing unit

254. . . Website processing unit

255. . . Transaction processing unit

256. . . Authentication processing unit

257. . . Foreign exchange processing unit

258. . . Purchase processing unit

259. . . Settlement processing unit

Claims (10)

An online transaction method for realizing overseas transactions, which is used for a user to purchase domestic commodities on an overseas transaction website through an intermediate platform, and is characterized in that: (1) the user logs in to the contracted overseas transaction website, The overseas transaction website sends the selected item information; (2) the overseas transaction website sends a transaction request to the intermediate platform, the transaction request includes at least user information, transaction product information, foreign currency amount and currency of the transaction; 3) the intermediate platform compares a plurality of foreign exchange rates between the foreign currency and the domestic currency from a plurality of sources to determine a specific foreign exchange rate from the plurality of foreign exchange rates; (4) the intermediate platform receives the transaction request, based on The specific foreign exchange rate first calculates the domestic currency amount of the transaction according to the foreign currency exchange rate obtained from the financial platform in advance, and then displays the domestic currency amount of the transaction for the authenticated user; (5) receiving the user After the payment is confirmed, the intermediate platform purchases the corresponding domestic currency amount in the corresponding account of the user through the financial platform to the corresponding foreign currency. (6) the intermediate platform sends the transaction information of the successful payment to the overseas transaction website for the overseas transaction website to perform the delivery processing; (7) the intermediate platform and the overseas transaction website complete the liquidation on a periodic basis and Divided into operations. The method of claim 1, wherein the method is characterized by (3) It also includes: the intermediate platform sends the ID number information input by the user to the ID card authentication system of the Ministry of Public Security networked with the intermediate platform for verification operation. The method of claim 1, wherein the step (4) further comprises: the intermediate platform performs a purchase limit control operation on the purchase limit of the user, if the single purchase value of the user is greater than a preset If the value or the accumulated purchase value of the user in the current year is greater than a certain preset value, the user is notified that the purchase of the foreign exchange has exceeded the limit, the transaction is stopped, and the transaction stop information is returned to the overseas transaction website. The method of claim 1, further comprising: when receiving a refund processing request sent by the user or the overseas transaction website, the intermediate platform determines whether the refund processing request meets a preset requirement, If yes, the foreign currency is exchanged into the domestic currency through the financial platform, and then deposited into the account corresponding to the user, and the refund processing result is sent to the user and the corresponding overseas transaction website. The method of claim 1, wherein the step (4) further comprises: (4-1) pre-setting the corresponding domestic currency amount in the user corresponding account; (4-2) presetting During the time period, the intermediate platform purchases the amount of the domestic currency amount pre-stored in the time period through the financial platform to the corresponding foreign currency operation. The method of claim 1, wherein the method further comprises: The intermediate platform saves each overseas transaction information, accepts the query request from the user and the overseas transaction website, and sends a query response to the corresponding user or overseas transaction website. An online transaction system for realizing overseas transactions, comprising: at least one user, an intermediate platform, at least one overseas transaction website, at least one financial platform, each user and each overseas transaction website are connected to the said network through the Internet The intermediate platform and each financial platform are connected to the intermediate platform. The intermediate platform includes at least a server center and a database for storing various materials; the server center further includes an internet interaction interface, a financial platform interaction interface, a user processing unit, and a website. Processing unit, transaction processing unit, identity processing unit, foreign exchange swap processing unit, foreign exchange processing unit and settlement processing unit; Internet interaction interface: used to establish interaction with users on the Internet, overseas trading websites Financial platform interactive interface: used to establish data communication with various financial platforms; user processing unit: for accepting user registration, user data modification, user's transaction information storage and user profile and Transaction data is saved to the corresponding database; website Unit: to accept and store the information for each contract overseas trading sites, each site corresponding foreign trade transaction information and settlement information; transaction processing unit: to deal with every foreign transaction request; An authentication processing unit: configured to authenticate a user of each overseas transaction, wherein the identity verification processing unit receives a special identification number input by the user, and verifies the identity of the user by using the special identification number; Processing unit: used to periodically obtain and save the current quotation information from the foreign exchange quotation system of the financial platform, and the amount of the foreign currency of each overseas transaction is exchanged for the corresponding domestic currency amount according to the pre-stored quotation information; Processing unit: through the connection with the financial platform's sales and purchase system, the domestic currency amount is purchased in bulk through the financial platform into a corresponding foreign currency operation settlement processing unit: used to complete the settlement operation with each overseas transaction website. The system of claim 7 is characterized in that the intermediate platform is connected to the public security department ID card authentication system for verifying the ID number input by the user. An online transaction method for realizing overseas transactions, which is used for a user to purchase domestic goods by using the domestic currency through the intermediate platform, and is characterized in that: (1) the user logs in to the overseas transaction website and trades to the overseas transaction. The website sends the selected commodity information, and the overseas intermediary platform connected with the overseas transaction website pre-signs with the intermediate platform; (2) the overseas transaction website sends a transaction request to the intermediate platform through the overseas intermediate platform, the transaction request At least including user information, trading product information, foreign currency amount and currency of the transaction; (3) The intermediate platform compares a plurality of foreign exchange rates between the foreign currency and the domestic currency from a plurality of sources to determine a specific foreign exchange rate from the plurality of foreign exchange rates; (4) the intermediate platform receives the transaction request, Based on the specific foreign exchange rate, the domestic currency amount of the transaction is first calculated according to the foreign currency exchange rate obtained from the financial platform in advance, and then the domestic currency amount of the transaction is displayed to the authenticated user; (5) upon receiving After the payment confirmation of the user, the intermediate platform purchases the corresponding domestic currency amount in the corresponding account of the user through the financial platform to operate into the corresponding foreign currency operation; (6) the intermediate platform sends the transaction information of the successful payment through the overseas intermediate platform. To the overseas transaction website for the overseas transaction website to carry out the delivery processing; (7) the intermediate platform and the overseas intermediate platform complete the liquidation and division operation on a periodic basis, or the intermediate platform and each overseas transaction website directly follow the cycle Complete the clearing and sharing operations. An online transaction system for realizing overseas transactions, comprising: at least one user, an intermediate platform, at least one overseas transaction website, an overseas intermediate platform connected to some or all of the overseas transaction websites, at least one financial platform, each user, The overseas transaction website and the overseas intermediate platform are connected to the intermediate platform through the Internet, and each financial platform is connected to the intermediate platform. The intermediate platform includes at least a server center and a database for storing various materials; the server center further includes the Internet. Network interaction interface, financial platform Interactive interface, user processing unit, website processing unit, transaction processing unit, identity processing unit, foreign exchange processing unit, foreign exchange processing unit, and settlement processing unit; Internet interaction interface: used to establish users with the Internet , the interaction between the overseas intermediate platform and the overseas trading website; the financial platform interactive interface: used to establish data communication with each financial platform; the user processing unit: used to accept the user's registration, user data modification, each user Saving the transaction information and saving the user's personal data and transaction data to the corresponding database; the website processing unit: for accepting and storing the contract information of each overseas intermediate platform, the transaction information corresponding to each overseas intermediate platform, and Settlement information; transaction processing unit: for processing each overseas transaction request; authentication processing unit: for authenticating each user of the overseas transaction, wherein the identity verification processing unit receives the special identification number input by the user, and Verify the user by the special identification number Points; foreign exchange swap processing unit: used to periodically obtain the current quotation information from the financial platform's foreign exchange quotation system and save it. The foreign currency amount of each overseas transaction is exchanged for the corresponding territory according to the pre-stored quotation information. Currency amount; purchase transaction processing unit: through the connection with the financial platform's sales and purchase system, the domestic currency amount is purchased in bulk through the financial platform into the corresponding foreign currency operation; Settlement processing unit: used to complete settlement operations with various overseas intermediate platforms or directly with overseas trading merchants for settlement operations.