CN105590217A - Payment method based on social network multi-party guarantee - Google Patents

Payment method based on social network multi-party guarantee Download PDF

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Publication number
CN105590217A
CN105590217A CN201510979505.1A CN201510979505A CN105590217A CN 105590217 A CN105590217 A CN 105590217A CN 201510979505 A CN201510979505 A CN 201510979505A CN 105590217 A CN105590217 A CN 105590217A
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China
Prior art keywords
buyer
guarantee
social networks
request
server
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Pending
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CN201510979505.1A
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Chinese (zh)
Inventor
张德海
张德刚
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Yunnan University YNU
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Yunnan University YNU
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Priority to CN201510979505.1A priority Critical patent/CN105590217A/en
Publication of CN105590217A publication Critical patent/CN105590217A/en
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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The invention provides a payment method based on social network multi-party guarantee. In the case of insufficient credit, a buyer can initiates a social network guarantee, and apply for the guarantee from friends through the buyer credibility in a social network; a certain amount of people share the sum assured and complete payment. The buyer applies for a guarantee request on a social network server, and the server assesses the credit line and credit history of the buyer. If the request is passed, the server broadcasts the guarantee request to the friend circle of the buyer, and designed people can receive the message. The friends of the buyer receive the message, decide whether to provide a guarantee, and provide a guarantee quota to the server; if a total guarantee quota exceeds payment amount, the guarantee is established, a seller can conduct a transaction and a bank can loan the money; if the buyer does not pay before a warranty period, the payment money is taken out from all guaranteed accounts; debt relations are changed, and if the buyer does not pay on time, the credit line of the buyer is reduced, and the default behavior is disclosed in the social network.

Description

A kind of method of payment of in many ways assuring based on social networks
Technical field
The present invention proposes a kind of method of payment of guarantee in many ways based on social networks, the method relates to ecommerce, mobileCommercial affairs, internet data safety, the fields such as large data security.
Background technology
In the time that people need to buy article, due to shortage of funding or credit line, cause transaction not carry out smoothly. Highly sending outIn the social networks of exhibition, people can utilize individual prestige to improve the existing volume of credit as guarantee, impel the seller to complete this transaction.But personal guarantee has very high risk for the seller.
In the present invention, a kind of method of payment under guarantee in many ways based on social networks has been proposed. This method can provide for payingA good environment, and the minimizing seller's transaction risk, eliminate people's worry to credit in the time of internet business.
In e-commerce environment, in the time that people lack cash or credit line, want to be worth to pay by the credit of social networks,Can in social networks, set up guarantee in many ways by friend, thereby improve total guarantee ability minimizing and the seller's transaction risk.Suppose that purchaser wants is by many ways assuring to buy commodity, method of the present invention comprises the following steps:
1. buyer will apply for social networking service device vouch-for request.
2. server will be assessed buyer's credit line and credit histories. If request is passed through, server can be broadcasted its guarantee pleaseAsk his circle of friends, the people of appointment can receive information.
3. his friend can receive information and determine whether tender guarantee, and provides the guarantee amount of regular period to server.
4. if total amount guaranteed degree has exceeded payment, guarantee can be established, and the seller can conclude the business, and bank also can borrowGo out the money. If buyer does not pay before term of mortgage, in all secured accounts of Qian Huicong that pay, deduct. DebtRelation can corresponding change.
If buyer not on time refund, buyer's credit line can be reduced, and by this violations in social networkOpen in network.
Summary of the invention
The object of this invention is to provide a kind of method of payment of in many ways assuring based on social networks, provide for paying by this methodA good environment, and the minimizing seller's transaction risk, eliminate people's worry to credit in the time of internet business. For realityExisting above-mentioned purpose, technical scheme of the present invention is:
In business transaction, in the time that personal credit amount is not enough, can initiate social networks guarantee by it, and by somePersonnel divide amount guaranteed. Buyer is by apply for vouch-for request on social networking service device, and server evaluates buyer's credit is limitVolume and credit histories, if request is passed through, server can be broadcasted the circle of friends of its vouch-for request to him, the people of appointment can receive letterBreath; Whether his friend can receive information and determine and tender guarantee, and provide the guarantee amount of regular period to server; IfTotal amount guaranteed degree has exceeded payment, sets up guarantee, and the seller can conclude the business, and bank also can lend the money; AsFruit buyer before term of mortgage do not pay, and in all secured accounts of Qian Huicong that pay, deducts; Debition can correspondingly changeBecome, if buyer not on schedule refund, buyer's credit line can be reduced, and by this violations at social networksIn open.
General illustration of the present invention as shown in Figure 1;
Detailed content of the present invention comprises following 4 steps:
The step of this method of payment is as follows:
1), prestige initializes
The first step of the method for payment of in many ways assuring based on social networks is everyone prestige statistical computation in social networks; According toThe feedback that the information that each individuality is issued in social networks is gathered in the crops, calculates the credit worthiness of individual in social networksRs；
R s = Σ i = 1 m W c i + Σ j = 1 n W l j
Wherein, RsIt is the credit worthiness that individual gathers in the crops in social networks; M is the comment number obtaining in social networks; N isThe point obtaining in social networks is praised number; In the time that comment is positive comment, WciValue is+1; When comment is negative reviewsTime, WciValue is-1; In the time that comment is " liking " or " praising ", WliValue is+1; When comment is " noLike " or when " not praising ", WliValue is-1.
It should be noted that other calculate the method for credit worthiness in social networks, also belong to the category that the present invention can adopt;
2) buyer proposes vouch-for request to social networks
In the time that buyer's credit line is not enough, can proposes vouch-for request to social networks, and divide guarantee by the personnel of someVolume;
3), guaranty insurance assessment
When server is received vouch-for request, the seller can examine buyer's prestige record, and assesses applicant's confidence level,If applicant's confidence level meets the requirements, server can pass through this request, and broadcasts vouch-for request to its circle of friends,The people who specifies can receive information;
For weighing the risk of guarantee, mainly determine from this user transaction record v in the past, if buyer is often others' loadProtecting, is that its guaranty insurance is low; If buyer often requires to be assured, is that its guaranty insurance is high; If buyer is frequentPromise breaking is that its guaranty insurance is very high; For above three kinds of situations, the present invention provides buyer's transaction record and discrete valuesBetween mapping function f (v):
Guaranty insurance is:
R(v)＝f(v)×Nz-f(v)×Nb-f(v)×Nw
Wherein, Nb is that number of times is larger by guarantee number of times, and risk is larger; Nz is for others assures number of times, and number of times is larger, riskLess; The Nw number of times of breaking a contract, number of times is larger, and risk is larger;
By quantizing guaranty insurance, revise in time buyer's total trust degree, as the following trading activity degree of belief of buyerReference, effectively identification malice buyer;
4), overall trusting degree
Total trust degree be credit worthiness and guaranty insurance aggregative weighted and;
T＝Rs-R(v)
System-computed goes out total trust degree value, and the guarantee candidate who sends to buyer to specify this buyer's degree of belief value;
5), tender guarantee
The guarantee candidate that buyer specifies receives the degree of belief assessment of system to buyer, and determines whether tender guarantee, ifDecision is tendered guarantee, and provides certain guarantee amount to arrive server;
6), complete transaction
System server gathers each guarantor's guarantee amount, needs payment if total amount guaranteed degree has exceeded, and sets upGuarantee, buyer can conclude the business with seller, and bank also can lend the money, pays gold if total amount guaranteed degree is less than needsVolume, stops transaction. If buyer does not pay off borrowed money before term of mortgage, all guarantees of Qian Huicong that pay are acknowledged a debtIn family, deduct; If buyer not on time refund, buyer's credit line can be reduced, and by this violations in social activityOpen in network. If buyer refunds in time, raise its credit worthiness. If in follow-up transaction, for others successfully assures,Can progressively recover its credit worthiness.
It should be noted that other calculate the method for credit worthiness in social networks, also belong to the category that the present invention can adopt.
Advantage of the present invention and beneficial effect are that the social networks transaction with credit method based on guarantee in many ways can subtract to a great extentFew seller's risk. Because the friend in social networks can assess more realistically than lender buyer's credit, and socialThe ability of network is more greater than individual. Violations suppressioning force in social networks is stronger than single lender. In social networksIndividual's prestige can be used to the chip of concluding the business. There are the people of good prestige can more be helped in social networks, promotedThe benign development of social networks, can make all participant's incomes in the ecosystem. The present invention is in ecommerce, in Mobile businessThere is very large market value.
Brief description of the drawings
Fig. 1 is general illustration of the present invention.
Detailed description of the invention
Below in conjunction with concrete example, the present invention is further illustrated:
In business transaction, in the time that personal credit amount is not enough, can initiate social networks guarantee by it, and by somePersonnel divide amount guaranteed. Buyer is by apply for vouch-for request on social networking service device, and server evaluates buyer's credit is limitVolume and credit histories, if request is passed through, server can be broadcasted the circle of friends of its vouch-for request to him, the people of appointment can receive letterBreath; Whether his friend can receive information and determine and tender guarantee, and provide the guarantee amount of regular period to server; IfTotal amount guaranteed degree has exceeded payment, sets up guarantee, and the seller can conclude the business, and bank also can lend the money; AsFruit buyer before term of mortgage do not pay, and in all secured accounts of Qian Huicong that pay, deducts; Debition can correspondingly changeBecome, if buyer not on schedule refund, buyer's credit line can be reduced, and by this violations at social networksIn open.
The step of this method of payment is as follows:
1), prestige initializes
The first step of the method for payment of in many ways assuring based on social networks is everyone prestige statistical computation in social networks; According toThe feedback that the information that each individuality is issued in social networks is gathered in the crops, calculates the credit worthiness of individual in social networksRs；
R s = Σ i = 1 m W c i + Σ j = 1 n W l j
Wherein, RsIt is the credit worthiness that individual gathers in the crops in social networks; M is the comment number obtaining in social networks; N isThe point obtaining in social networks is praised number; In the time that comment is positive comment, WciValue is+1; When comment is negative reviewsTime, WciValue is-1; In the time that comment is " liking " or " praising ", WliValue is+1; When comment is " noLike " or when " not praising ", WliValue is-1.
It should be noted that other calculate the method for credit worthiness in social networks, also belong to the category that the present invention can adopt.
2) buyer proposes vouch-for request to social networks
In the time that buyer's credit line is not enough, can proposes vouch-for request to social networks, and divide guarantee by the personnel of someVolume;
3), guaranty insurance assessment
When server is received vouch-for request, the seller can examine buyer's prestige record, and assesses applicant's confidence level,If applicant's confidence level meets the requirements, server can pass through this request, and broadcasts vouch-for request to its circle of friends,The people who specifies can receive information;
For weighing the risk of guarantee, mainly determine from this user transaction record v in the past, if buyer is often others' loadProtecting, is that its guaranty insurance is low; If buyer often requires to be assured, is that its guaranty insurance is high; If buyer is frequentPromise breaking is that its guaranty insurance is very high. For above three kinds of situations, the present invention provides buyer's transaction record and discrete valuesBetween mapping function f (v):
Guaranty insurance is:
R(v)＝f(v)×Nz-f(v)×Nb-f(v)×Nw
Wherein, Nb is that number of times is larger by guarantee number of times, and risk is larger; Nz is for others assures number of times, and number of times is larger, riskLess; The Nw number of times of breaking a contract, number of times is larger, and risk is larger;
By quantizing guaranty insurance, revise in time buyer's total trust degree, as the following trading activity degree of belief of buyerReference, effectively identification malice buyer;
4), overall trusting degree
Total trust degree be credit worthiness and guaranty insurance aggregative weighted and;
T＝Rs-R(v)
System-computed goes out total trust degree value, and the guarantee candidate who sends to buyer to specify this buyer's degree of belief value;
5), tender guarantee
The guarantee candidate that buyer specifies receives the degree of belief assessment of system to buyer, and determines whether tender guarantee, ifDecision is tendered guarantee, and provides certain guarantee amount to arrive server;
6), complete transaction
System server gathers each guarantor's guarantee amount, needs payment if total amount guaranteed degree has exceeded, and buildsVertical guarantee, buyer can conclude the business with seller, and bank also can lend the money, if total amount guaranteed degree is less than needsPay the amount of money, stop transaction. If buyer does not pay off borrowed money before term of mortgage, all loads of Qian Huicong that payIn guarantor's account, deduct; If buyer does not refund on time, buyer's credit line can be reduced, and by this promise breaking rowFor open in social networks. If buyer refunds in time, raise its credit worthiness. If in follow-up transaction, for notPeople successfully assures, can progressively recover its credit worthiness.

Claims (1)

1. a method of payment of in many ways assuring based on social networks, is characterized in that, step is as follows:
1), prestige initializes
The first step of the method for payment of in many ways assuring based on social networks is everyone prestige statistical computation in social networks; According toThe feedback that the information that each individuality is issued in social networks is gathered in the crops, calculates the credit worthiness of individual in social networksRs；
R s = Σ i = 1 m W c i + Σ j = 1 n W l j
Wherein, RsIt is the credit worthiness that individual gathers in the crops in social networks; M is the comment number obtaining in social networks; N isThe point obtaining in social networks is praised number; In the time that comment is positive comment, WciValue is+1; When comment is negative reviewsTime, WciValue is-1; In the time that comment is " liking " or " praising ", WliValue is+1; When comment is " noLike " or when " not praising ", WliValue is-1;
2) buyer proposes vouch-for request to social networks
In the time that buyer's credit line is not enough, proposes vouch-for request to social networks, and divide amount guaranteed by the personnel of some;
3), guaranty insurance assessment
When server is received vouch-for request, the seller can examine buyer's prestige record, and assesses applicant's confidence level,If applicant's confidence level meets the requirements, server can pass through this request, and broadcasts vouch-for request to its circle of friends,The people who specifies can receive information;
For weighing the risk of guarantee, mainly determine from this user transaction record v in the past, if buyer is often others' loadProtecting, is that its guaranty insurance is low; If buyer often requires to be assured, is that its guaranty insurance is high; If buyer is frequentPromise breaking is that its guaranty insurance is very high; For above three kinds of situations, the present invention provides buyer's transaction record and discrete valuesBetween mapping function f (v):
Guaranty insurance is:
R(v)＝f(v)×Hz-f(v)×Nb-f(v)×Nw
Wherein, Nb is that number of times is larger by guarantee number of times, and risk is larger; Nz is for others assures number of times, and number of times is larger, riskLess; The Nw number of times of breaking a contract, number of times is larger, and risk is larger;
By quantizing guaranty insurance, revise in time buyer's total trust degree, as the following trading activity degree of belief of buyerReference, effectively identification malice buyer;
4), overall trusting degree
Total trust degree be credit worthiness and guaranty insurance aggregative weighted and;
T＝Rs-R(v)
System-computed goes out total trust degree value, and the guarantee candidate who sends to buyer to specify this buyer's degree of belief value;
5), tender guarantee
The guarantee candidate that buyer specifies receives the degree of belief assessment of system to buyer, and determines whether tender guarantee, ifDecision is tendered guarantee, and provides certain guarantee amount to arrive server;
6), complete transaction
System server gathers each guarantor's guarantee amount, needs payment if total amount guaranteed degree has exceeded, and buildsVertical guarantee, buyer can conclude the business with seller, and bank also can lend the money, if total amount guaranteed degree is less than needsPay the amount of money, stop transaction; If buyer does not pay off borrowed money before term of mortgage, all loads of Qian Huicong that payIn guarantor's account, deduct; If buyer does not refund on time, buyer's credit line can be reduced, and by this promise breaking rowFor open in social networks; If buyer refunds in time, raise its credit worthiness; If in follow-up transaction, for notPeople successfully assures, can progressively recover its credit worthiness.
CN201510979505.1A 2015-12-23 2015-12-23 Payment method based on social network multi-party guarantee Pending CN105590217A (en)

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Application Number Priority Date Filing Date Title
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Publications (1)

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Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108074178A (en) * 2016-11-14 2018-05-25 平安科技（深圳）有限公司 The method and apparatus for handling credit card application
CN108573382A (en) * 2018-03-27 2018-09-25 英业达科技有限公司 Credit payment system based on biological characteristic and its method
CN108629910A (en) * 2018-03-30 2018-10-09 深圳市元征科技股份有限公司 Shared vehicle application method, device and server
CN108932622A (en) * 2017-12-08 2018-12-04 翟红鹰 Risk control method, system and the computer readable storage medium of online transaction
CN109118315A (en) * 2018-06-22 2019-01-01 阿里巴巴集团控股有限公司 Method for processing business, device and equipment based on credit underwriting
CN109615505A (en) * 2018-11-15 2019-04-12 钟杰东 The shared credit management system of individual and its management method
CN110555692A (en) * 2018-06-01 2019-12-10 腾讯科技（深圳）有限公司 virtual resource transfer method, device and storage medium
CN110555704A (en) * 2019-07-31 2019-12-10 阿里巴巴集团控股有限公司 Credit contract processing method and device based on credit guarantee
CN111311383A (en) * 2020-05-09 2020-06-19 支付宝(杭州)信息技术有限公司 Service processing method and device
CN111489249A (en) * 2020-03-13 2020-08-04 天元大数据信用管理有限公司 Method, equipment and medium for constructing financial wind control alliance based on block chain

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101794429A (en) * 2009-12-28 2010-08-04 中国工商银行股份有限公司 Method and system for sharing guarantee data based on dynamic bill pool
CN104899782A (en) * 2015-05-29 2015-09-09 深圳市银信网银科技有限公司 Fund debit/credit transaction method and system
CN104966229A (en) * 2014-12-30 2015-10-07 腾讯科技（深圳）有限公司 Information processing method and credit platform

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101794429A (en) * 2009-12-28 2010-08-04 中国工商银行股份有限公司 Method and system for sharing guarantee data based on dynamic bill pool
CN104966229A (en) * 2014-12-30 2015-10-07 腾讯科技（深圳）有限公司 Information processing method and credit platform
CN104899782A (en) * 2015-05-29 2015-09-09 深圳市银信网银科技有限公司 Fund debit/credit transaction method and system

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108074178A (en) * 2016-11-14 2018-05-25 平安科技（深圳）有限公司 The method and apparatus for handling credit card application
CN108932622A (en) * 2017-12-08 2018-12-04 翟红鹰 Risk control method, system and the computer readable storage medium of online transaction
CN108932622B (en) * 2017-12-08 2021-07-30 翟红鹰 Method and system for controlling risk of online transaction and computer readable storage medium
CN108573382A (en) * 2018-03-27 2018-09-25 英业达科技有限公司 Credit payment system based on biological characteristic and its method
CN108629910A (en) * 2018-03-30 2018-10-09 深圳市元征科技股份有限公司 Shared vehicle application method, device and server
CN110555692A (en) * 2018-06-01 2019-12-10 腾讯科技（深圳）有限公司 virtual resource transfer method, device and storage medium
CN109118315A (en) * 2018-06-22 2019-01-01 阿里巴巴集团控股有限公司 Method for processing business, device and equipment based on credit underwriting
WO2019242357A1 (en) * 2018-06-22 2019-12-26 阿里巴巴集团控股有限公司 Credit-guarantee-based service processing method, apparatus and device
CN109615505A (en) * 2018-11-15 2019-04-12 钟杰东 The shared credit management system of individual and its management method
CN110555704A (en) * 2019-07-31 2019-12-10 阿里巴巴集团控股有限公司 Credit contract processing method and device based on credit guarantee
CN111489249A (en) * 2020-03-13 2020-08-04 天元大数据信用管理有限公司 Method, equipment and medium for constructing financial wind control alliance based on block chain
CN111311383A (en) * 2020-05-09 2020-06-19 支付宝(杭州)信息技术有限公司 Service processing method and device

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