| 摘要 |
A computer-implemented method for conducting an electronic commerce transaction between a buyer and a seller is disclosed. The electronic commerce transaction is conducted via a telecommunication network. The method includes receiving identity information pertaining to the buyer and ascertaining a set of financing terms associated with the buyer. The set of financing terms includes at least a first interest rate, a triggering condition, and a second interest rate lower than the first interest rate. The triggering condition pertains to at least one parameter associated with the electronic commerce transaction. The method also includes ascertaining whether the electronic commerce transaction satisfies the triggering condition. If the triggering condition is satisfied by the electronic commerce transaction, the method includes applying the second interest rate to a financing amount, at least a portion of the financing amount being attributable to the electronic commerce transaction, else applying the first interest rate to the financing amount if the triggering condition is not satisfied by the electronic commerce transaction.
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