CN104616145A - Method for withdrawing consumption capital on real time and converting into pension - Google Patents
Method for withdrawing consumption capital on real time and converting into pension Download PDFInfo
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- CN104616145A CN104616145A CN201510013568.1A CN201510013568A CN104616145A CN 104616145 A CN104616145 A CN 104616145A CN 201510013568 A CN201510013568 A CN 201510013568A CN 104616145 A CN104616145 A CN 104616145A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The invention discloses a method for withdrawing consumption capital on real time and converting into pension. The method comprises the steps of creating correlation between a consumption capital operation platform and co-operation merchants; appointing the consumption capital returned for consumers consuming in the co-operation merchants; creating the correlation between the consumption capital operation platform and an unionpay POS machine; adding the consumption capital of the customer consuming in the co-operation merchants with bank cards to a consumption capital operation platform account through the unionpay POS machine; creating the correlation between the consumption capital operation platform and an insurance company; depositing the consumption capital into an insurance account of the consumer for appreciation by the consumption capital operation platform. According to the method, the correlation between the consumption capital operation platform, the co-operation merchants and the unionpay POS machine are created, the consumption capital is directly obtained from a product sales terminal and converted into insurance premium, and therefore, the common conflict between the consumer and the merchants can be solved.
Description
Technical field
The present invention relates to communication technical field and marketing domain, particularly relate to a kind of consumption capital extract real-time and convert the method for pension to.
Background technology
The pension breach of China is day by day serious, and relevant report is more and more reported in media, and the World Bank predicts, Chinese following endowment insurance revenue and expenditure breach is up to 9.15 trillion yuan! Premier Wen Jiabao once said and will " greatly develop social and welfare services and charities, increase funds for national social security programs by all kinds of means " in the government work report, and endowment problem becomes one of social concern that government attaches great importance to.
2005, it is theoretical that economist professor Chen Yu proposes " consumption capital ", think any one product, from starting material to processing, arrive logistics and sale again, wherein each link, all obtain corresponding profit, and the buyer played a key effect, i.e. consumer, exactly therefrom do not obtain return, Chen Yu thinks, consumer is also a member in this industry chain (supply chain), and be the link played a crucial role, consumer is except obtaining product, also the profit of whole chain should be obtained, Chen Yu thinks, enterprise should this profit of consumer, regard as the investment of consumer to enterprise, regard as a kind of capital input, after the several years, should share out bonus to consumer.The theory of consumption capital that Here it is.Beyond " money-capital " and " knowledge capital ", the concept that Chen Yu proposes first " consumption capital ", be also the proposition relying on this concept, professor Chen Yu obtains current year China " a ten large serial outstanding person's " honor.
And in reality, due to the identification standard that consumption capital is ununified, add the sincerity of enterprise, the life span of enterprise etc. series of problems, allowing consumption capital produce income is a theoretical expectation, cannot be put to concrete enforcement.
Summary of the invention
Technical matters to be solved by this invention is, provides a kind of consumption capital extract real-time and converts the method for pension to, directly can obtain consumption capital from the point-of-sale terminal of product, consumption capital is converted to insurance money.
In order to solve the problems of the technologies described above, the invention provides a kind of consumption capital extract real-time and converting the method for pension to, comprising: setting up associating of consumption capital operation platform and trade company of alliance, the consumption capital that agreement consumer returns out when trade company of alliance consumes; Set up associating of consumption capital operation platform and Unionpay's POS, the consumption capital that consumer produces when alliance's trade company's bankcard consumption by Unionpay's POS draws button to consumption capital operation platform account; Set up associating of consumption capital operation platform and insurance company, the insurance account of consumption capital stored in consumer rises in value by consumption capital operation platform.
As the improvement of such scheme, the consumption capital that consumer produces when alliance's trade company's bankcard consumption by described Unionpay POS is drawn button to the step of consumption capital operation platform account and is comprised: Unionpay's POS by consumer when time spending amount and the consumption capital of acquisition be sent to the database of Unionpay's POS in real time; The acquirer of Unionpay's POS is cleared the database of Unionpay's machine POS according to a preconcerted arrangement, and the consumption capital of clearing out is transferred consumption capital operation platform account.
As the improvement of such scheme, consumption capital is carried out value-added step stored in the insurance account of consumer and is comprised by described consumption capital operation platform: consumption capital operation platform gets up to proceed to insurance company the consumption capital accumulation that consumer obtains, for consumer buys insurance, realize the conversion from consumption capital to insurance money.
As the improvement of such scheme, described consumption capital operation platform comprises the step that the consumption capital accumulation that consumer obtains gets up to proceed to insurance company: the consumption capital accumulation that consumption capital operation platform obtains consumer, when accumulating the consumption capital of getting up and reaching default capital cost, the consumption capital that accumulation is got up is proceeded to insurance company.
As the improvement of such scheme, described insurance comprises endowment insurance, car insurance.
As the improvement of such scheme, described consumption capital extract real-time also converts the method for pension to, also comprises: set up associating of consumption capital operation platform and trade company of alliance, the commission that agreement consumer returns out when trade company of alliance consumes; Set up associating of consumption capital operation platform and Unionpay's POS, the commission that consumer produces when alliance's trade company's bankcard consumption by Unionpay's POS draws button to consumption capital operation platform account.
As the improvement of such scheme, described consumption capital extract real-time also converts the method for pension to, also comprise: set up associating of consumption capital operation platform and insurance company, agreement consumption capital operation platform returns out commission by during the insurance account of consumption capital stored in consumer; The commission produced during the insurance account of consumption capital stored in consumer is drawn button to consumption capital operation platform account by platform by insurance company.
Implement the present invention, there is following beneficial effect:
The present invention builds consumption capital operation platform and associating between trade company of alliance, Unionpay's POS, theoretical according to consumption capitalization, utilize the pattern that third party markets, again rised in value by the carrying out of consumption capital operation platform by consumer spending capital, cross the capital markets such as fund security exchange, directly from the point-of-sale terminal of product, obtain consumption capital, and consumption capital is converted to insurance money, solve the common contradiction of consumer and businessman, meet the joint demand of both sides, really accomplish all-win, Harmonious existence, self-sufficient.
Wherein, the consumption capital that consumer produces in process of consumption embodies with the form of integration, simultaneously in conjunction with the clearance function of Unionpay's POS, the consumption capital of consumer is separated from commodity sales value, be put into insurance company and be exchanged into insurance money to carry out financing increment, thus increase the reserve stock of consumer.
In addition, the present invention can allow consumer's accumulation pension in current consumption, alleviates pension pressure, is conducive to the structure of harmonious society; Meanwhile, consumer solves the trouble and worry of endowment, will increase consumer motivation, concerning the whole society, releases consumptive power exactly, promotes consumption to a certain extent, promote domestic demands, thus facilitates expanding economy.
Accompanying drawing explanation
Fig. 1 is a kind of consumption capital extract real-time of the present invention and converts the first embodiment process flow diagram of the method for pension to;
Fig. 2 is a kind of consumption capital extract real-time of the present invention and converts the second embodiment process flow diagram of the method for pension to.
Embodiment
For making the object, technical solutions and advantages of the present invention clearly, below in conjunction with accompanying drawing, the present invention is described in further detail.
Fig. 1 is a kind of consumption capital extract real-time of the present invention and converts the first embodiment process flow diagram of the method for pension to, comprising:
S101, sets up associating of consumption capital operation platform and trade company of alliance, the consumption capital that agreement consumer returns out when trade company of alliance consumes.
Consumption capital operation platform, by contracting with trade company of alliance, builds on and the associating of trade company of alliance, and arranges consumer and return out a certain proportion of consumption capital when trade company of alliance consumes.
S102, sets up associating of consumption capital operation platform and Unionpay's POS, and the consumption capital that consumer produces when alliance's trade company's bankcard consumption by Unionpay's POS draws button to consumption capital operation platform account.
Consumption capital operation platform by with Unionpay's POS cooperation, set up and the associating of Unionpay's POS.
The consumption capital that consumer produces when alliance's trade company's bankcard consumption by described Unionpay POS is drawn button to the step of consumption capital operation platform account and is comprised:
A1, Unionpay's POS by consumer when time spending amount and the consumption capital of acquisition be sent to the database of Unionpay's POS in real time.
A2, the acquirer of Unionpay's POS is cleared the database of Unionpay's machine POS according to a preconcerted arrangement, and the consumption capital of clearing out is transferred consumption capital operation platform account.
The consumption capital that consumer produces in process of consumption generally embodies with the form of integration.General consumption capital returns integration project, businessman is after receipts are single, also need brush member card in card reader, computer system system records total mark of consumption, or brush member card record integration in special POS, operationally, businessman can feel very loaded down with trivial details, run into business extremely busy time, businessman is just very unwilling to be operated.And the present invention carries out real time settlement in conjunction with the clearance function of Unionpay's POS to consumption capital, the consumption capital of consumer is separated from commodity sales value, namely, consumer is after brush bank card completes and checks, all operations also completes thereupon, businessman does not increase other unnecessary work, very convenient, fundamentally solves the problem that clearing are difficult.
In addition, sharp intermediate item is returned in consumption, capital relates to the settling problems of trade company, general is all regular reconciliation, regularly settle accounts, it is all manual operation, this mode often cannot tie fund because of the Credit Shortage of part businessman, thus allow project die young, because when needing disposable paying after returning servant and being accumulated to certain amount of money, businessman often defers payment even to break the promise and exits, and after we and Unionpay's POS cooperation,, this situation would not be there is, this guarantees the smooth continuity of project in each pen consumption deduction in real time.
S103, set up associating of consumption capital operation platform and insurance company, the insurance account of consumption capital stored in consumer rises in value by consumption capital operation platform.
Consumption capital operation platform, by cooperating with insurance company, builds on the association of insurance company.
Particularly, described consumption capital operation platform by consumption capital stored in the insurance account of consumer carry out value-added step for: consumption capital operation platform gets up to proceed to insurance company the consumption capital accumulation that consumer obtains, for consumer buys insurance, realize the conversion from consumption capital to insurance money.
In the present invention, the consumption capital that consumer produces in process of consumption embodies with the form of integration, simultaneously in conjunction with the clearance function of Unionpay's POS, the consumption capital of consumer is separated from commodity sales value, be put into insurance company and be exchanged into insurance money to carry out financing increment, thus increase the reserve stock of consumer.
Described consumption capital operation platform comprises the step that the consumption capital accumulation that consumer obtains gets up to proceed to insurance company: the consumption capital accumulation that consumption capital operation platform obtains consumer, when accumulating the consumption capital of getting up and reaching default capital cost, the consumption capital that accumulation is got up is proceeded to insurance company.
Described insurance comprises endowment insurance, car insurance, but not as restriction.
Such as, a certain family in 1 year the whole family consume 100,000 yuan, obtain accumulative 5000 yuan of 5% consumption capital, suppose, every year by the accumulation of the identical amount of money, to add that the dividend of insurance company bears interest (calculating by annual compound rate 5%), so, accumulate 20 years, the underwriting account amount of money is 16.5325 ten thousand yuan; Accumulate 40 years, the underwriting account amount of money is 60.3895 ten thousand yuan, if this family is child's accumulation pension, when so waiting until that child is retired (by accumulation 60 years), the account amount of money will have 104.674 ten thousand yuan.
And for example, the consumption capital that consumer obtains is except endowment, can also be used to the vehicle insurance that deducts, a consumer obtains consumption capital 2000 yuan in 1 year, and his vehicle insurance will hand over 5000 yuan, so, consumer just can pass through us, as long as hand in the cash of 3000 yuan retroactively, this vehicle insurance of 5000 yuan just can be bought.
Fig. 2 is a kind of consumption capital extract real-time of the present invention and converts the second embodiment process flow diagram of the method for pension to, comprising:
S201, sets up associating of consumption capital operation platform and trade company of alliance, the consumption capital that agreement consumer returns out when trade company of alliance consumes.
S202, the commission that agreement consumer returns out when trade company of alliance consumes.
It should be noted that, trade company of alliance, except returning out consumption capital to consumer, returns out certain service commission also can to consumption capital operation platform.
S203, sets up associating of consumption capital operation platform and Unionpay's POS, and the consumption capital that consumer produces when alliance's trade company's bankcard consumption by Unionpay's POS draws button to consumption capital operation platform account.
S204, the commission that consumer produces when alliance's trade company's bankcard consumption by Unionpay's POS draws button to consumption capital operation platform account.
S205, sets up associating of consumption capital operation platform and insurance company, and consumption capital operation platform gets up to proceed to insurance company the consumption capital accumulation that consumer obtains, and for consumer buys insurance, realizes the conversion from consumption capital to insurance money.
Described insurance comprises endowment insurance, car insurance, but not as restriction.
S206, agreement consumption capital operation platform returns out commission by during the insurance account of consumption capital stored in consumer.
S207, the commission produced during the insurance account of consumption capital stored in consumer is drawn button to consumption capital operation platform account by platform by insurance company.
It should be noted that, what consumption capital operation platform can also obtain that insurance company gives returns servant.
Such as, a consumer obtains consumption capital 2000 yuan in 1 year, and his vehicle insurance will hand over 5000 yuan, so, consumer just can pass through us, as long as hand in the cash of 3000 yuan retroactively, just can buy this vehicle insurance of 5000 yuan, insurance company then can give consumption capital operation platform clearing insurance commission by the premium amount of money of 5000 yuan, the commission rate by 30% calculates, and this bicycle danger of this consumer allows consumption capital operation platform obtain the insurance commission of 1500 yuan.
As from the foregoing, the present invention is theoretical according to consumption capitalization, utilize the pattern that third party markets, directly from the point-of-sale terminal of product, obtain consumption capital by consumption capital operation platform, science is sane and lasting more, solves the common contradiction of consumer and businessman, meet the joint demand of both sides, really accomplish all-win, Harmonious existence, self-sufficient.In addition, the present invention can allow consumer's accumulation pension in current consumption, alleviates pension pressure, is conducive to the structure of harmonious society; Meanwhile, consumer solves the trouble and worry of endowment, will increase consumer motivation, concerning the whole society, releases consumptive power exactly, promotes consumption to a certain extent, promote domestic demands, thus facilitates expanding economy.
The above is the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the premise without departing from the principles of the invention; can also make some improvements and modifications, these improvements and modifications are also considered as protection scope of the present invention.
Claims (7)
1. consumption capital extract real-time convert the method for pension to, is characterized in that, comprising:
Set up associating of consumption capital operation platform and trade company of alliance, the consumption capital that agreement consumer returns out when trade company of alliance consumes;
Set up associating of consumption capital operation platform and Unionpay's POS, the consumption capital that consumer produces when alliance's trade company's bankcard consumption by Unionpay's POS draws button to consumption capital operation platform account;
Set up associating of consumption capital operation platform and insurance company, the insurance account of consumption capital stored in consumer rises in value by consumption capital operation platform.
2. consumption capital extract real-time as claimed in claim 1 convert the method for pension to, it is characterized in that, the consumption capital that consumer produces when alliance's trade company's bankcard consumption by described Unionpay POS is drawn button to the step of consumption capital operation platform account and is comprised:
Unionpay's POS by consumer when time spending amount and the consumption capital of acquisition be sent to the database of Unionpay's POS in real time;
The acquirer of Unionpay's POS is cleared the database of Unionpay's machine POS according to a preconcerted arrangement, and the consumption capital of clearing out is transferred consumption capital operation platform account.
3. consumption capital extract real-time as claimed in claim 1 convert the method for pension to, is characterized in that, consumption capital is carried out value-added step stored in the insurance account of consumer and comprised by described consumption capital operation platform:
Consumption capital operation platform gets up to proceed to insurance company the consumption capital accumulation that consumer obtains, and for consumer buys insurance, realizes the conversion from consumption capital to insurance money.
4. consumption capital extract real-time as claimed in claim 3 convert the method for pension to, it is characterized in that, described consumption capital operation platform comprises the step that the consumption capital accumulation that consumer obtains gets up to proceed to insurance company:
The consumption capital accumulation that consumption capital operation platform obtains consumer, when accumulating the consumption capital of getting up and reaching default capital cost, proceeds to insurance company by the consumption capital that accumulation is got up.
5. consumption capital extract real-time as claimed in claim 3 convert the method for pension to, it is characterized in that, described insurance comprises endowment insurance, car insurance.
6. consumption capital extract real-time as claimed in claim 1 convert the method for pension to, is characterized in that, also comprise:
Set up associating of consumption capital operation platform and trade company of alliance, the commission that agreement consumer returns out when trade company of alliance consumes;
Set up associating of consumption capital operation platform and Unionpay's POS, the commission that consumer produces when alliance's trade company's bankcard consumption by Unionpay's POS draws button to consumption capital operation platform account.
7. consumption capital extract real-time as claimed in claim 1 convert the method for pension to, is characterized in that, also comprise:
Set up associating of consumption capital operation platform and insurance company, agreement consumption capital operation platform returns out commission by during the insurance account of consumption capital stored in consumer;
The commission produced during the insurance account of consumption capital stored in consumer is drawn button to consumption capital operation platform account by platform by insurance company.
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| CN201510013568.1A CN104616145A (en) | 2015-01-12 | 2015-01-12 | Method for withdrawing consumption capital on real time and converting into pension |
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| CN201510013568.1A CN104616145A (en) | 2015-01-12 | 2015-01-12 | Method for withdrawing consumption capital on real time and converting into pension |
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Effective date of registration: 20160405 Address after: 3901, room 180, No. 510000 Jiangnan Road, Haizhuqu District, Guangdong, Guangzhou Applicant after: Guangdong World Technology Co., Ltd. Address before: 528000, B2-2, B2-3, No. 13, Huabao South Road, Chancheng District, Guangdong, Foshan Applicant before: Shi Hui Science and Technology Ltd. of Foshan City |
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Application publication date: 20150513 |