CN103413223A - Personal-reputation and financing-credit evaluation system for non-face-to-face trading - Google Patents
Personal-reputation and financing-credit evaluation system for non-face-to-face trading Download PDFInfo
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- CN103413223A CN103413223A CN2013103150627A CN201310315062A CN103413223A CN 103413223 A CN103413223 A CN 103413223A CN 2013103150627 A CN2013103150627 A CN 2013103150627A CN 201310315062 A CN201310315062 A CN 201310315062A CN 103413223 A CN103413223 A CN 103413223A
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Abstract
The invention relates to a personal-reputation and financing-credit evaluation system for non-face-to-face trading. The personal-reputation and financing-credit evaluation system for the non-face-to-face trading comprises a trading platform an applicant information collection module, a credit granting judgment module, a bank credit-card center, a default processing module, a personal credit rating module and a consumption financing rule module, wherein a financing channel which is used for the trading on the trading platform of the personal-reputation and financing-credit evaluation system is provided for an independent individual. A credit rating unit in the personal-reputation and financing-credit evaluation system is mainly used for determining the credit grade of a loan applicant, is connected with a bank credit-card center system to ensure the credit grade of the loan applicant and to reduce the risk that the loan applicant cannot repay. In order to increase the number of credit granting sources in the personal-reputation and financing-credit evaluation system, the personal-reputation and financing-credit evaluation system for the non-face-to-face trading is connected with a plurality of banks and a plurality of financial institutions, so that the personal-reputation and financing-credit evaluation system also helps the banks and the financial institutions to increase the number of shares of the banks and the number of the shares of the financial institutions on the petty-loan market, approval cost is greatly reduced, addition of default processing enables the whole trading to be concluded more easily, and safety of funds is ensured.
Description
Technical field
The invention belongs to the e-commerce technology field, particularly relate to the individual prestige of a kind of non-face-to-face transaction and financing credit evaluation system.
Background technology
Do not have at present complete technical scheme to solve the personal consumption financing, existing credit card solution is after remitting money, and the service of installment reimbursement is provided.Installment reimbursement refers to that the holder completes when transaction, disposablely completes payment, then bank's agreement amortization mechanism.Based on installment reimbursement, the holder need to pay certain service charge and interest.Personal consumption financing refer to the individual to trade company by the transaction process, in different key points, promise to undertake the business of payment that completes in time before commodity are cashed.Existing bank credit information is failed and PERCOM peripheral communication, can only be for the controlled consumption category of self; The financial institution of other outside cooperation, do not have mechanism from system, to solve the problem of personal consumption financing automatic security, and payment still can not obtain sufficient facility.The shortcoming of this present situation is:
The waste of credit rating resource: each financial institution is all independent carries out the credit audit to the holder, jointly provides a credit line, and the holder is in the practical business process, and credit line can not Integrated using, and payment causes the waste of credit line for wholesale;
Can not support more kinds of credit consuming demands: in specific transaction flow, repeatedly payment can satisfy the demands.But because of bank credit information, with external agency and business system, reasonably do not dock, can only require the whole funds of holder's one-time payment, ensure as transaction, increased holder's fund input cost.
Monthly payment plan has improved holder's consumer cost: serial essence be the holder to the disposable loan of bank, the process of progressively repaying, along with the increase of payment, holder's consumer cost is increasing.
Summary of the invention
Technical matters to be solved by this invention is to provide a kind of problem based on non-face-to-face personal credit's financing, by with the bank card center, being connected, obtain holder's credit line information, transaction characteristic by the transaction commodity, the personal credit who set the to allow rule of financing, and calculate the individual prestige of non-face-to-face transaction and the financing credit evaluation system of the standard that meets these commodity personal credit financing.
The technical solution adopted for the present invention to solve the technical problems is: the individual prestige of a kind of non-face-to-face transaction and financing credit evaluation system are provided, comprise transaction platform, applicant's information acquisition module, credit judge module, bank card center, Treatment for Default module, personal credit evaluation module and consumer finance rule module, it is characterized in that:
(1) transaction platform judges according to Transaction Information whether the consumer has carried out the request of personal consumption financing, and if it is transaction platform is initiated individual prestige and financing authorization requests to the credit judge module;
(2) after the credit judge module receives financing authorization requests and Transaction Information, Transaction Information is sent to the consumer finance rule module, the consumer finance rule module is according to the trade company in Transaction Information, merchandise news, in transaction commodity consumer finance rule base, obtain the financing rule of these these commodity, and return to the credit judge module;
(3) the credit judge module sends to the personal credit evaluation module by consumer's transaction card number, the personal credit evaluation module is searched client-related information according to card number, and in the information of this consumer of personal information grading library inquiry in the credit rating at credit card center, credit record credit line, loan repayment capacity, after comprehensive, calculate this consumer's credit grade and amount according to predetermined algorithm, return to the credit judge module;
(4) the credit judge module commodity financing rule that receiving the consumer finance rule module and return, the personal credit evaluation result that the personal credit evaluation module is returned, comprehensively draw the finance Authorization result of request of the individual that transaction platform is proposed, result is sent to transaction platform, and transaction platform is finally pointed out the amount of money of this transaction of client's direct payment or can be used the credit financing services;
(5) when the situation of promise breaking occurs in both parties, touch the Treatment for Default module, this module also needs the application of confirming and supplying transaction funds with the credit card centring system, when a guy denies subsequent transaction or the situation of returning goods occurs, the Treatment for Default module will initiatively recalculate prepaid fund, take returns the overcharge and demand payment of the shortage as principle completes Treatment for Default, and transaction results is sent to the bank card center.
Described financing rule comprises whether allowing to be financed, the ratio of the financing amount of money and the commodity amount of money.
Beneficial effect
1, online trading is synchronizeed with credit.The transaction platform of ecommerce and small amount credit are integrated, can apply for the loan for dealing money in transaction.After apply for loan goes through, directly pay in system.The amount of money of loan must be the upper limit amount that is less than or equal to bank card;
2, loan returning risk is controlled.The ability that the applicant repays the loan is controlled by loan returning risk, because the applicant returns goods to the promise breaking of subsequent transaction or initiation, the amount of money of having provided a loan need to be determined to be repaid to loan one side, unnecessary fund rollback is to the applicant, but the not enough amount of money will be filled up the amount of the loan from deduction the bank card account;
3, reliable information evaluation mechanism.For the assessment of applicant's credit level, system acquisition a large amount of applicants' information, comprise personal information, the platform Transaction Information, for the evaluation information etc. of transaction, and is connected with bank, verifies applicant's identity and the credit line of applicant on credit card.Improve efficiency and the accuracy of credit audit, in risk control, also played great effect;
4, the new model of bank's lending.Bank is very complicated process to the audit of debt-credit, needs the great energy of applicant to prepare application materials, and takes much time.Because native system is realized networking by bank to individual credit, reduce greatly bank and examined cost, also for the applicant, saved great effort and time.
The accompanying drawing explanation
Fig. 1 is structural representation of the present invention.
Embodiment
Below in conjunction with specific embodiment, further set forth the present invention.Should be understood that these embodiment only are not used in and limit the scope of the invention be used to the present invention is described.Should be understood that in addition those skilled in the art can make various changes or modifications the present invention after the content of having read the present invention's instruction, these equivalent form of values fall within the application's appended claims limited range equally.
In process of exchange, the evaluation that fast, rationally solves the personal credit amount is an important method that promotes transaction.The individual prestige of non-face-to-face transaction and financing credit evaluation system provide one for the credit extending channel that occur in this system transaction platform transaction for independently individual.The existing credit rating of this system unit, main credit level to loan application side.With the bank card centring system, be connected simultaneously, with the credit level of guaranteeing the applicant and reduce the risk that can't repay.In order to be increased in the credit source of this system, many banks and financial institution have been connected.This measure also helps bank and the financial institution share in petty load market, and has saved greatly and examined cost.
The accrediting amount for the applicant has two kinds of situations, and a kind of is to judge according to the number of bank card to this applicant's accrediting amount.Another kind depends on each bank and the financial institution synthetic determination to this application people credit.If applicant's apply for loan amount is less than or equal to the limit of overdrawn account of credit card, this application people can directly obtain the transaction fund so.
This system has also added the Treatment for Default system, when the applicant, in the process of transaction, violations have occurred, namely the individual denies subsequent transaction or return of goods problem occurs, and now loan enters into force, system needs the fund of having consumed is adjusted, and guarantees returning the overcharge and demand payment of the shortage of transaction funds.This Treatment for Default system not only can promote the success of concluding the business, but also guaranteed the safety of loan fund, has increased trade company, holder's consumption confidence.
Personal penny ante loan can be applied for this dealing money in transaction, but this amount of money is limited.The amount of money that can provide a loan is not more than the upper limit of this application people at bank card, and this has certain limitation to most transaction.Secondly, under the repaying pattern by stages of bank card, because most businessman does not support, consumable commodity have certain limitation.
As shown in Figure 1, system of the present invention comprises that transaction platform, applicant's information acquisition module, credit judge module, bank card central information exchange and the Treatment for Default module.
1, transaction platform is to judging according to Transaction Information whether the consumer has carried out the request of personal consumption financing, and if it is transaction platform is initiated individual prestige and financing authorization requests to the credit judge module;
2, after the credit judge module receives financing authorization requests and Transaction Information, Transaction Information is sent to the consumer finance rule module, the consumer finance rule module is obtained the financing rule of these these commodity (if whether allowed to be financed according to the trade company in Transaction Information, merchandise news in transaction commodity consumer finance rule base, and return to credit judge module result the ratio of the financing amount of money and the commodity amount of money etc.),
3, the credit judge module sends to the personal credit evaluation module by consumer's transaction card number, the personal credit evaluation module is searched client-related information according to card number, and in the information of this consumer of personal information grading library inquiry in the credit rating at credit card center, credit record credit line, loan repayment capacity, after comprehensive, calculate this consumer's credit grade and amount according to predetermined algorithm, return to the credit judge module.
4, the credit judge module commodity financing rule that receiving the consumer finance rule module and return, the personal credit evaluation result that the personal credit evaluation module is returned, comprehensively draw the finance Authorization result (whether authorizing) of request of the individual that transaction platform is proposed, result is sent to transaction platform, and transaction platform is finally pointed out the amount of money of this transaction of client's direct payment or can be used the credit financing services;
5, the Treatment for Default module is an important component part of this system, only has the situation that occurs to break a contract when both parties just can touch this module, i.e. the abnormal situation of stateful transaction.This module also needs the application of confirming and supplying transaction funds with the credit card centring system.When a guy denies subsequent transaction or during the situation of occur returning goods, the Treatment for Default module completes Treatment for Default by initiatively recalculating prepaid fund, take to return the overcharge and demand payment of the shortage as principle, and transaction results is sent to the bank card center.
Claims (2)
1. the individual prestige of non-face-to-face transaction and financing credit evaluation system, comprise transaction platform, applicant's information acquisition module, credit judge module, bank card center, Treatment for Default module, personal credit evaluation module and consumer finance rule module, it is characterized in that:
(1) transaction platform judges according to Transaction Information whether the consumer has carried out the request of personal consumption financing, and if it is transaction platform is initiated individual prestige and financing authorization requests to the credit judge module;
(2) after the credit judge module receives financing authorization requests and Transaction Information, Transaction Information is sent to the consumer finance rule module, the consumer finance rule module is according to the trade company in Transaction Information, merchandise news, in transaction commodity consumer finance rule base, obtain the financing rule of these these commodity, and return to the credit judge module;
(3) the credit judge module sends to the personal credit evaluation module by consumer's transaction card number, the personal credit evaluation module is searched client-related information according to card number, and in the information of this consumer of personal information grading library inquiry in the credit rating at credit card center, credit record credit line, loan repayment capacity, after comprehensive, calculate this consumer's credit grade and amount according to predetermined algorithm, return to the credit judge module;
(4) the credit judge module commodity financing rule that receiving the consumer finance rule module and return, the personal credit evaluation result that the personal credit evaluation module is returned, comprehensively draw the finance Authorization result of request of the individual that transaction platform is proposed, result is sent to transaction platform, and transaction platform is finally pointed out the amount of money of this transaction of client's direct payment or can be used the credit financing services;
(5) when the situation of promise breaking occurs in both parties, touch the Treatment for Default module, this module also needs the application of confirming and supplying transaction funds with the credit card centring system, when a guy denies subsequent transaction or the situation of returning goods occurs, the Treatment for Default module will initiatively recalculate prepaid fund, take returns the overcharge and demand payment of the shortage as principle completes Treatment for Default, and transaction results is sent to the bank card center.
2. the individual prestige of a kind of non-face-to-face transaction according to claim 1 and financing credit evaluation system, it is characterized in that: described financing rule comprises whether allowing to be financed, the ratio of the financing amount of money and the commodity amount of money.
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Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104200356A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Data processing system and method suitable for financing payment |
| CN105512938A (en) * | 2016-02-03 | 2016-04-20 | 宜人恒业科技发展（北京）有限公司 | Online credit risk assessment method based on long-term using behavior of user |
| CN105550889A (en) * | 2016-02-15 | 2016-05-04 | 重庆昇鑫科技有限公司 | Intelligent business district finance management system based on internet of things |
| CN106101092A (en) * | 2016-06-07 | 2016-11-09 | 腾讯科技（深圳）有限公司 | A kind of information evaluation processing method and first instance |
| CN106971338A (en) * | 2017-04-26 | 2017-07-21 | 北京趣拿软件科技有限公司 | The method and apparatus of data assessment |
| WO2017124243A1 (en) * | 2016-01-18 | 2017-07-27 | 阮元 | Data acquisition method matched with financing technology and intelligent financing system |
| CN107085813A (en) * | 2017-05-04 | 2017-08-22 | 湖南润安危物联科技发展有限公司 | Contract fund allocation method and apparatus |
| CN109034795A (en) * | 2018-06-11 | 2018-12-18 | 广东易上云计算机服务股份有限公司 | A kind of credit based on block chain is bartered platform |
| CN109816515A (en) * | 2018-12-24 | 2019-05-28 | 天翼电子商务有限公司 | Credit class product Internet-based selects system and method |
| CN110111106A (en) * | 2019-05-06 | 2019-08-09 | 无线生活(北京)信息技术有限公司 | Transaction risk monitoring method and device |
| CN110189218A (en) * | 2019-04-25 | 2019-08-30 | 北京互金新融科技有限公司 | The management method and device of loan limit |
| CN110472845A (en) * | 2019-07-30 | 2019-11-19 | 中国建设银行股份有限公司 | Inspection system, method and the storage medium of risk indicator estimation model |
| CN110599159A (en) * | 2019-09-18 | 2019-12-20 | 重庆欣业邦网络技术有限公司 | Transaction wind control management system for gas station |
| CN111524002A (en) * | 2020-04-27 | 2020-08-11 | 中国银行股份有限公司 | Method and device for determining credit line of joint name card |
| CN116975819A (en) * | 2023-09-22 | 2023-10-31 | 北京天润基业科技发展股份有限公司 | Qualification verification method and device and electronic equipment |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104200356A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Data processing system and method suitable for financing payment |
| WO2017124243A1 (en) * | 2016-01-18 | 2017-07-27 | 阮元 | Data acquisition method matched with financing technology and intelligent financing system |
| CN105512938A (en) * | 2016-02-03 | 2016-04-20 | 宜人恒业科技发展（北京）有限公司 | Online credit risk assessment method based on long-term using behavior of user |
| CN105550889A (en) * | 2016-02-15 | 2016-05-04 | 重庆昇鑫科技有限公司 | Intelligent business district finance management system based on internet of things |
| CN106101092A (en) * | 2016-06-07 | 2016-11-09 | 腾讯科技（深圳）有限公司 | A kind of information evaluation processing method and first instance |
| CN106971338A (en) * | 2017-04-26 | 2017-07-21 | 北京趣拿软件科技有限公司 | The method and apparatus of data assessment |
| CN107085813A (en) * | 2017-05-04 | 2017-08-22 | 湖南润安危物联科技发展有限公司 | Contract fund allocation method and apparatus |
| CN109034795B (en) * | 2018-06-11 | 2021-03-30 | 广东易上云计算机服务股份有限公司 | Credit barter platform based on block chain |
| CN109034795A (en) * | 2018-06-11 | 2018-12-18 | 广东易上云计算机服务股份有限公司 | A kind of credit based on block chain is bartered platform |
| CN109816515A (en) * | 2018-12-24 | 2019-05-28 | 天翼电子商务有限公司 | Credit class product Internet-based selects system and method |
| CN110189218A (en) * | 2019-04-25 | 2019-08-30 | 北京互金新融科技有限公司 | The management method and device of loan limit |
| CN110111106A (en) * | 2019-05-06 | 2019-08-09 | 无线生活(北京)信息技术有限公司 | Transaction risk monitoring method and device |
| CN110472845A (en) * | 2019-07-30 | 2019-11-19 | 中国建设银行股份有限公司 | Inspection system, method and the storage medium of risk indicator estimation model |
| CN110599159A (en) * | 2019-09-18 | 2019-12-20 | 重庆欣业邦网络技术有限公司 | Transaction wind control management system for gas station |
| CN111524002A (en) * | 2020-04-27 | 2020-08-11 | 中国银行股份有限公司 | Method and device for determining credit line of joint name card |
| CN116975819A (en) * | 2023-09-22 | 2023-10-31 | 北京天润基业科技发展股份有限公司 | Qualification verification method and device and electronic equipment |
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Application publication date: 20131127 |