| 摘要 |
Method and system for performing transactions between buyers and suppliers, which by means of a transactions server centralise and supervise each one of the phases involved in the complete transactions, guarantying that an order made by a buyer to a supplier and a carrier is paid for and guarantying that the buyer does not pay the supplier and carrier until he has received the order under the agreed conditions. The process is completely automatic and establishes condition of sale and timeframes, which may be negotiated between the parties but which, once agreed, become binding for all parties concerned. The lender awards purchase credits to the buyers, so that once the agreed conditions and timeframes have been fulfilled, the corresponding payments may be made automatically. |
| 主权项 |
1. A method for performing at least one commercial transaction between at least one buyer and at least one supplier, the commercial transaction involving a transactions server, the buyer, the supplier, and at least one lender, the transactions server including a user interface, the method comprising:
registering, in a database, the buyer, the supplier and the lender using the user interface, the user interface and the database being included within the transactions server; establishing conditions of sale in order to perform the commercial transaction, the conditions of sale being established by the buyer or the supplier and being stored in the database, the conditions of sale including timeframes associated with steps that define the commercial transaction, wherein (i) the transactions server manages an indication of conformity or lack of conformity with each of the timeframes, the indication being made by the buyer, the supplier or the lender using the user interface and (ii) in a case where an indication of conformity, an indication of lack of conformity, or no indication of conformity or lack of conformity with one of the timeframes is made, the transactions server automatically performs an action to address the indication of conformity, the indication of lack of conformity, or the no indication of conformity or lack of conformity with the one of the timeframes; requesting, by the buyer through the user interface, purchase credits from the lender for an amount and under conditions agreed with the lender; generating, by the buyer through the user interface and after the purchase credits have been granted an order for goods or services with the supplier, the order being for an amount less than or equal to the total amount of purchase credits granted to the buyer, and temporarily blocking, using the transactions server, a portion of the purchase credits granted to the buyer equal to the amount of the order; automatically instructing, using the transactions server the lender to pay the supplier a total or partial amount of a delivery note corresponding to delivered goods or services by the supplier to the buyer in accordance with the order, upon fulfilment of the conditions of sale or completion of a timeframe set for the buyer to give partial or total conformity to the delivery note, and deducting, using the transactions server, the total or partial payment from the portion of the purchase credits granted to the buyer blocked by the transactions server. |
