CN111080453A - Information transaction system, transaction method and business model based on credit system - Google Patents
Information transaction system, transaction method and business model based on credit system Download PDFInfo
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- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
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- G—PHYSICS
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- 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
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The application discloses information transaction system based on credit system, including the database of collection, storage, call transaction information IMF, credit value management module is including carrying out initial valuation unit of first quota distribution credit value to each account, be used for according to different circulation nodes that transaction information IMF is located in the operation unit that transaction information IMF relevant both sides' credit value increased and decreased to and monitor the training unit that each account accomplishes the task that the system predetermines and carries out quota credit value reward. The application also discloses a transaction method and a business mode based on the transaction system so as to improve the effectiveness and the authenticity of information transfer. The transaction information, the upstream and downstream owners or the holders related to the transaction information are related through the credit value, and the credit value influences subsequent information transaction of the information holder or the provider, so that the probability of using false information for transaction is fundamentally and greatly reduced, and even eliminated.
Description
Technical Field
The invention relates to the field of information transaction systems, in particular to an information transaction system with integrity as a transaction condition, and specifically relates to an information transaction system, a transaction method and a business mode based on a credit system.
Background
The trading system refers to a system that can realize stable profit in the trading market. It includes scientific fund management, effective analysis technology and good risk control. Its ultimate goal is to achieve a stable profit for the trader.
It can be divided into a subjective trading system, an objective trading system and a trading system combining the two. A trading system is a heart blood crystal of a trader, which embodies the trading philosophy of the trader. It is not universal, i.e. a trading system can only exert its maximum effect in the hands of its creators. Therefore, for traders, the traders can walk on a stable profit road only by creating a trading system of the traders.
Since ancient times, "market" is the best hand, various resources are objectively allocated according to supply-demand relations, people usually adopt artificial means to interfere with resources in order to pursue maximization of benefits, and market guide is enabled to be in favor of the people by influencing supply-demand relations. In the current society, not only is the dominance of real resources, but also the information is the most valuable in the information era as the information era, and various information of all industries has value in the internet era, but people who generally know the valuable information are unwilling to share the information or sell the information with higher efficiency, and the people can only feel the security by taking the people as the master controller of the information. This directly results in the trade of information, the retardation of information flow, and the loss of value of a large amount of information because there is no flow. Meanwhile, in the existing information, not all the information is real, a large amount of false information still exists, and the inflow of the false information causes the waste of a large amount of manpower and material resources, so that the real information is gradually circulated with high efficiency, and the social resources are greatly mobilized by gradually reducing the circulation speed and the quantity of the false information, thereby generating great social value, therefore, how to realize the purpose of avoiding or even eradicating the pattern of 'bad coin expelling good coins' is indispensable.
The prior art is as follows: chinese patent application, application number: 201810669262.5 application date: 2018-06-26, which discloses a house information transaction platform, comprising: the house transaction information issuing device is used for issuing house transaction information by the buyer and the seller, and the house transaction information comprises house selling information, lease information and house hosting information of the seller; and the transaction device is used for automatically matching the house transaction information of the buyer and the seller and completing transaction payment. The invention provides accurate data service based on big data analysis, realizes automatic matching of information of both buying and selling parties, classifies corresponding objects according to regions, and is maintained by a corresponding region management client, the transaction process can be directly completed through a platform, the transaction information is stored in a platform transaction database and a housing administration database, normal transaction process and fund security are ensured, the transaction process can also be performed through a block chain transaction module, the private key generation method of a user cannot be obtained by the outside and the platform, the fund security cannot be endangered by attacking the server by the outside, and the security is further improved.
In the existing transaction systems, the security of transaction information is improved by various encryption and other modes, but no system can fundamentally improve the effectiveness of information transaction, ensure the proportion of real transaction information and improve the circulation speed of the information, which is self-evident to the importance of information transaction.
Disclosure of Invention
The transaction system aims to solve the problems that effective screening of the true validity of information to be transacted is lacked, real valuable information cannot be circulated in time due to the fact that the information circulation speed does not have a driving effect, and the information value is lost or the value is weakened. In the current social situation, a few people master most valuable information and do not want to put the information into circulation, so that the high-value information cannot play due roles and market operation is weakened. The application provides an information transaction system, a transaction method and a business mode based on a credit system, which are used for fundamentally associating transaction information, upstream and downstream owners or holders associated with the transaction information through credit values, and the credit values influence subsequent various information transactions of the information holders or providers, so that the probability of using false information for transactions is fundamentally greatly reduced and even eliminated; meanwhile, in order to fully reflect the value of the transaction information, the holder can either execute the transaction information efficiently or change hands in time, so that the situation that the value of the transaction information cannot be reflected and wasted is avoided, and meanwhile, the credit value of the holder is influenced. Therefore, the method enters a virtuous cycle, not only can the value of the information be reflected in time, but also the transaction value and the transaction attribute of the information can be improved, and the method is a multi-purpose transaction method. In the past, the transaction mode of realizing various information according to the transaction method fundamentally replaces the existing single point-to-point information transaction mode, namely, the information is prevented from passing through the transaction from one holder to the other holder, only the information is easy to master, but the information is not really flowing to generate value.
The problem that the existing information is kept by a holder, so that the information is not circulated and cannot generate value in time is solved; simultaneously, reach the credit value through the transaction and correlate and make the purpose that false information reduces gradually, stops even, lets the high-efficient circulation of true effective information, the technical scheme that this application adopted does:
firstly, the application provides an information transaction system based on a credit system, which comprises a database for collecting, storing and calling transaction information IMF and a member management module for managing all accounts registered in the information transaction system, wherein the member management module comprises a basic information unit and a credit value unit, the basic information unit is used for managing personal information and transaction records of the accounts, and the personal information comprises credit values which are managed by the credit value unit and are used as partial transaction conditions;
the credit value management module comprises an initial assignment unit for carrying out first quota allocation on each account, an operation unit for increasing and decreasing credit values of two parties of related transactions of the transaction information IMF according to different circulation nodes where the transaction information IMF is located, and a training unit for monitoring each account to complete tasks preset by a system and carrying out quota credit value reward;
the database comprises an acquisition unit, an acquisition unit and a verification unit, wherein the acquisition unit is used for collecting and verifying transaction information IMF input through any account; a storage unit for storing all entered transaction information IMF and tasks for the training unit to invoke; the transaction system comprises an issuing unit used for any account to issue the transaction information IMF and a transaction unit used for recording and changing the state of the account to which the transaction information IMF belongs. The transaction information IMF comprises credit values, and the issuing unit comprises a filter for checking and shielding all receiving accounts of which the credit value balance of all credit value units is lower than the preset credit value in the transaction information IMF.
Preferably, the database further comprises a screening unit, the screening unit sets a trading period T1 for any trading information IMF issued by the issuing unit to the issuing account, and when the trading period T1 expires, the screening unit selects a certain trading object from one or more quasi-receiving accounts meeting trading conditions of the trading information IMF according to a random rule preset by the system.
Preferably, the random rule is that the credit value and the price of the receiving account are weighted and averaged in a 50:50 manner, and are ranked in an ascending order, and the receiving account ranked first is the final transaction object.
In order to fully exert the value of information circulation and transaction, the application also provides an information transaction method based on a credit system, which is realized by the transaction system and specifically comprises the following steps:
step S100, registering and logging account information through a member management module; account registration and login are functions and modules of most of the existing information systems, which are not substantially different from the prior art and are only used for identifying whether the system is a user or not.
Step S200, the transaction information IMF is input by an acquisition unit in the database, the acquisition unit checks whether the newly input transaction information IMF belongs to new data, and if the newly input transaction information IMF belongs to the new data, the newly input transaction information IMF is recorded and stored in the storage unit and synchronously associated to a basic information unit of the member management module; the same information is only allowed to be accepted by the system for the first time, and information loggers for subsequent input can be rejected, so that the situations of repeated input and repeated transaction of effective information are avoided. Of course, no matter the same information is issued for the first time, only the holding account of the information can have the authority to issue the information, and the one-to-one correspondence uniqueness of the information is guaranteed.
Step S300, any transaction information IMF needing to be transacted is selected from the basic information unit, and the price and the credit value of the transaction information IMF are set and issued through the issuing unit; the filter reads the credit value of the transaction information IMF and compares the credit value with the credit value balances in the credit value units of all receiving accounts in the system one by one, if the compared credit value balance is lower than the credit value balance of the transaction information IMF, the filter hides the transaction information IMF relative to the receiving account with the lower credit value balance, and displays the receiving account with the credit value balance equal to or larger than the credit value of the transaction information IMF. The filter also plays a role in making any issuing account to a certain extent cherish the value of the credit value and obey the principle of honest credit, because the valuable transaction information issued by other issuing accounts cannot be seen after the credit value is too low, and then many opportunities are missed. In order to avoid the situation, credit values are kept up to a premium, and some useless false information cannot be issued intentionally, so that the false information is reduced or prevented from entering the information circulation field, and the waste of social resources caused by the false information circulation is reduced.
Step S400, when the issuing unit issues the transaction information IMF, the screening unit sets a transaction period T1 for the transaction information IMF, and in the transaction period T1, one or more receiving accounts which can see the transaction information IMF issue transaction prices; the transaction period T1 is a period from the time of issuance of the transaction information IMF to the time of transaction ending, and a specific time value, such as 12 hours, 24 hours or 48 hours, can be flexibly set by the issuance unit. This time period is used for the issuing account to consider in specifically selecting which receiving account to trade with.
Step S500, before the transaction period T1 is over, a receiving account which selects to send out the transaction price is selected for transaction; when the transaction is completed, the transaction unit releases the ownership of the transaction information IMF from the issuing account and re-associates the receiving account;
the operation unit sets an execution period T2 label on the transaction information IMF at the same time, when the transaction information IMF is false and is verified and identified by the system through the acquisition unit fed back by the receiving account before the execution period T2 is ended, the operation unit deducts the credit value of the original issuing account and increases the credit value of the receiving account, and the transaction unit deducts the transaction amount of the issuing account and returns the transaction amount to the receiving account at the same time; in order to ensure the smoothness of the transaction, before the execution period T2 expires, the money amount related to the transaction is temporarily stored in the basic information unit of the account, that is, as long as the receiving account finds that the transaction information IMF is false information or has a flaw at any time before the execution period T2 expires, the transaction information IMF can be fed back to the system through the acquisition unit interface of the system, and after the fact that the information purchased by the receiving account belongs to the false information is verified, the system directly performs the rotation in the same manner as the original transaction manner, and the transaction money amount returns to the original path, thereby ensuring the benefit of the information purchaser. If the buyer still has no complaint feedback after the expiration of the execution period T2, the system defaults the information to true information.
Before the execution period T2 is over, the receiving account completes execution of the transaction information IMF and uploads the completion data through the acquisition unit, and the operation unit simultaneously increases credit values of the issuing account and the receiving account;
when the receiving account unfinished transaction information IMF is executed before the execution period T2 expires, the calculating unit deducts the credit value of the receiving account.
In step S500, the method further includes the step of receiving that the execution of the incomplete transaction information IMF is performed for monopolization before the execution period T2 expires:
the method specifically comprises the following steps: the arithmetic unit divides the execution cycle T2 into a consumed execution cycle T3 and an unconsumed execution cycle T4 while receiving the reselling information issued by the account through the issuing unit;
if the receiving account is successfully resell in the unconsumed execution period T4 until the execution period T2 is over, the computing unit deducts the credit value of the receiving account; and if the newly received account completes the execution of the transaction information IMF, the computing unit respectively adds credit values to the received account and the newly received account. It is worth mentioning that: the specific amount of the credit value increase or deduction can be flexibly set, is not invariable, and the credit value increase or deduction can also be reasonably set through the subjective maliciousness degree and the error degree in the information transaction process and the positive or negative influence degree brought by the whole transaction process. As will be appreciated by those skilled in the art, the greater the credit value is set, the more obvious the warning or driving effect will be, and vice versa.
The information transaction system carries out the associated transaction of the information transaction IMF and the credit value, so that the reliability of the transaction information IMF and the instantaneity of information circulation are increased.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise.
FIG. 1 is an information flow block diagram of the present invention;
FIG. 2 is a block diagram of the system architecture of the present invention;
FIG. 3 is a flowchart of example 2;
FIG. 4 is a flowchart of example 3;
FIG. 5 is a flowchart of example 4.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. The components of the embodiments of the present application, generally described and illustrated in the figures herein, can be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Example 1:
an information transaction system based on credit system as shown in fig. 1-2 includes a database for collecting, storing and calling transaction information IMF, and a member management module for managing all accounts registered in the information transaction system, where the member management module includes a basic information unit and a credit unit, the basic information unit is used for managing personal information and transaction records of the accounts, and the personal information includes credit managed by the credit unit as part of transaction conditions; the credit value management module comprises an initial assignment unit for carrying out first quota allocation on each account, an operation unit for increasing and decreasing credit values of two parties of related transactions of the transaction information IMF according to different circulation nodes where the transaction information IMF is located, and a training unit for monitoring each account to complete tasks preset by a system and carrying out quota credit value reward; the database comprises an acquisition unit, an acquisition unit and a verification unit, wherein the acquisition unit is used for collecting and verifying transaction information IMF input through any account; a storage unit for storing all entered transaction information IMF and tasks for the training unit to invoke; the training unit is an account with lower credit value or a functional unit which wants to improve the credit value by a mode except transaction; the on-line learning is carried out by calling training contents in a course library arranged in a storage unit, a system randomly adjusts the subject after learning to detect after learning is completed, and if passing scores preset by the system, the training unit automatically adds a fixed credit value corresponding to the learned course into the credit value balance of a credit value unit of the learning account. The training unit can obtain the difference between the credit value which is firstly assigned to the account by the initial assignment unit and the balance of the credit value of the account through training by the maximum number of the credit value obtained through training, namely, no matter how the credit value is improved through training, the final total amount cannot exceed the credit value assigned by the initial assignment unit. The transaction system comprises an issuing unit used for any account to issue the transaction information IMF and a transaction unit used for recording and changing the state of the account to which the transaction information IMF belongs. The transaction information IMF comprises credit values, and the issuing unit comprises a filter for checking and shielding all receiving accounts of which the credit value balance of all credit value units is lower than the preset credit value in the transaction information IMF.
In this embodiment, the transaction information IMF includes a price of not less than RMB:2000 yuan and a credit value of not less than 75 when issued. After the information is issued by the issuing unit, any account of which the system is in a login state can see the issued transaction information IMF (the price is not lower than RMB:2000 yuan & the credit value is not lower than 75) under the condition of no filter; the filter is used for filtering out the part of the login account with the credit value lower than 75, so that the purpose of the filter is to enable the owner to be in the possession of the credit value, because any action of the owner in any link of information transaction and associated with the credit value can cause the credit value of the owner to be reduced, and therefore the owner cannot check a plurality of subsequent information releases which are valuable and have higher credit value. The system has the beneficial effects that the filter is arranged, so that the system can fundamentally stop the release of false information from the source, and the proportion of effective information in the whole transaction information flow is increased.
In this embodiment, the database further includes a screening unit, the screening unit sets a transaction period T1 for any transaction information IMF issued by the issuing unit on the issuing account, and when the transaction period T1 expires, the screening unit selects a certain transaction object from one or more quasi-receiving accounts meeting transaction conditions of the transaction information IMF according to a random rule preset by the system. In the transaction period T1 being 24 hours, the issuing account can select the buyer who has bid, that is, the receiving account to conduct transaction, but if the issuing account, that is, the seller does not select the buyer who is transacted with the issuing account in time within the set transaction period T1 being 24 hours, the system avoids that the transaction fails due to human non-transaction or other objective reasons and the information flow is terminated on the premise that the transaction conditions are met, and the screening unit of the system selects one of the buyers meeting the conditions to complete the transaction. In this embodiment, the random rule is to calculate a weighted average of the credit value and the price of the receiving account in a 50:50 manner and rank the receiving account in an ascending order, and the receiving account ranked first is a final transaction object. To further ensure the effectiveness and fairness of the transactions, the screening unit of the system selects the preferred choice by calculating weighted averages of the price and credit values in a ratio of 50% to 50%, and relatively randomly selecting the preferred choice in a higher way. Such as:
receive account a, buyer a1 bid 2200 dollars, credit 85;
receive account B, namely buyer a2 bid 2100 dollars, credit value 98;
then:
the weighted average for buyer a1 is: [ 2200 × 2/(2200+2100) ] 50% + (85 × 2)/(85+98) × 50% ═ 0.512+0.465 ═ 0.977
The weighted average for buyer a2 is: [ 2100 × 2/(2200+2100) ] 50% + (98 × 2)/(85+98) × 50% ═ 0.488+0.536 ═ 1.024
Since 1.024 of buyer A2 > 0.977 of buyer A1, the system selects buyer A2 as the transaction object.
Example 2:
the information transaction method based on the credit system is realized by the transaction system in combination with the description and the attached fig. 3 or 4, and specifically comprises the following steps:
step S100, registering and logging account information through a member management module; and (4) registering an account.
Step S200, the transaction information IMF is recorded by the acquisition unit in the database, the acquisition unit checks whether the newly recorded transaction information IMF belongs to new data, and if the newly recorded transaction information IMF belongs to the new data, the new data is recorded and stored in the storage unit and synchronously associated to the basic information unit of the member management module.
Step S300, any transaction information IMF needing to be transacted is selected from the basic information unit, and the price RMB3000 element and the credit value 86 of the transaction information IMF are set and issued through the issuing unit; the filter reads the credit 86 of the transaction information IMF and compares the credit 86 with the credit balances of all credit units of all receiving accounts in the system one by one, and if the compared credit balance is lower than the credit 86 of the transaction information IMF, the filter hides the transaction information IMF from the receiving account with the lower credit balance and displays the receiving account with the credit balance equal to or greater than the credit 86 of the transaction information IMF.
Step S400, when the issuing unit issues the transaction information IMF, the screening unit sets a transaction period T1 for the transaction information IMF, and 3 receiving accounts which can see the transaction information IMF issue transaction prices in the transaction period T1; respectively as follows: RMB3000/90, RMB 3500/88 and RMB 3000/87; the transaction period T1 is 48 hours. This time period is used for the issuing account to consider in specifically selecting which receiving account to trade with. The issuing account, i.e., the seller itself, selects the buyer with the highest credit REB3000/90 to trade.
When the transaction is completed, the transaction unit releases the ownership of the transaction information IMF from the issuing account and re-associates the receiving account; i.e., reassociates buyers bidding at RMB 3000/90.
The operation unit sets an execution period T2 label on the transaction information IMF at the same time, when the transaction information IMF is false and is verified and identified by the system through the acquisition unit fed back by the receiving account before the execution period T2 is ended, the operation unit deducts the credit value-5 of the original issuing account and increases the credit value +5 of the receiving account, and the transaction unit deducts the transaction amount of the issuing account and returns to the receiving account RMB3000 at the same time; in order to ensure the smoothness of the transaction, before the execution period T2 expires, the money amount related to the transaction is temporarily stored in the basic information unit of the account, that is, as long as the receiving account finds that the transaction information IMF is false information or has a flaw at any time before the execution period T2 expires, the transaction information IMF can be fed back to the system through the acquisition unit interface of the system, and after the fact that the information purchased by the receiving account belongs to the false information is verified, the system directly performs the rotation in the same manner as the original transaction manner, and the transaction money amount returns to the original path, thereby ensuring the benefit of the information purchaser. If the buyer still has no complaint feedback after the expiration of the execution period T2, the system defaults the information to true information.
Example 3:
based on embodiment 2, further, with reference to the content shown in fig. 3 of the specification, in this embodiment, the transaction information IMF is real information in embodiment 2, before the execution period T2 expires, the receiving account completes execution of the transaction information IMF and uploads the completion data through the collecting unit, and the computing unit simultaneously increases the credit value +3 of the issuing account and the credit value +3 of the receiving account.
Example 4:
the information transaction method based on the credit system is realized by the transaction system in combination with the description and the attached drawing 4, and specifically comprises the following steps: registering and logging account information through a member management module; and (4) registering an account. The transaction information IMF is recorded by an acquisition unit in the database, the acquisition unit checks whether the newly recorded transaction information IMF belongs to new data, and if the newly recorded transaction information IMF belongs to the new data, the transaction information IMF is recorded and stored in the storage unit and synchronously associated to a basic information unit of the member management module. Any transaction information IMF needing to be transacted is selected from the basic information unit, and the price RMB3000 element and the credit value 86 of the transaction information IMF are set and issued through the issuing unit; the filter reads the credit 86 of the transaction information IMF and compares the credit 86 with the credit balances of all credit units of all receiving accounts in the system one by one, and if the compared credit balance is lower than the credit 86 of the transaction information IMF, the filter hides the transaction information IMF from the receiving account with the lower credit balance and displays the receiving account with the credit balance equal to or greater than the credit 86 of the transaction information IMF.
When the issuing unit issues the transaction information IMF, the screening unit sets a transaction period T1 for the transaction information IMF, and 3 receiving accounts which can see the transaction information IMF issue transaction prices in the transaction period T1; respectively as follows: RMB3000/90, RMB 3500/88 and RMB 3000/87; the transaction period T1 is 48 hours. This time period is used for the issuing account to consider in specifically selecting which receiving account to trade with. The issuing account, i.e., the seller itself, selects the highest priced buyer of RMB 3500/88 to trade.
When the transaction is completed, the transaction unit releases the ownership of the transaction information IMF from the issuing account and re-associates the receiving account; i.e., the buyer bidding on RMB 3500/88 is re-associated.
In this embodiment, when the execution period T2 expires, the receiving account completes execution of the transaction information IMF, and the computing unit deducts the credit-5 of the receiving account.
Example 5:
the information transaction method based on the credit system is realized by the transaction system in combination with the description and the attached drawing 5, and specifically comprises the following steps: registering and logging account information through a member management module; and (4) registering an account. The transaction information IMF is recorded by an acquisition unit in the database, the acquisition unit checks whether the newly recorded transaction information IMF belongs to new data, and if the newly recorded transaction information IMF belongs to the new data, the transaction information IMF is recorded and stored in the storage unit and synchronously associated to a basic information unit of the member management module. Any transaction information IMF needing to be transacted is selected from the basic information unit, and the price RMB40000 yuan and the credit value 95 including the transaction information IMF are set through the issuing unit and issued; the filter reads the credit value 95 of the transaction information IMF and compares the credit value with the credit value balances in the credit value units of all receiving accounts in the system one by one, the compared credit value balance is lower than the credit value 95 of the transaction information IMF, the filter hides the transaction information IMF relative to the receiving account with the lower credit value balance, and the receiving account with the credit value balance equal to or larger than the credit value 95 of the transaction information IMF is displayed.
When the issuing unit issues the transaction information IMF, the screening unit sets a transaction period T1 for the transaction information IMF, and 5 receiving accounts which can see the transaction information IMF issue transaction prices in the transaction period T1; respectively as follows: RMB40000/99, RMB40000/102, RMB40500/95, RMB 45000/96 and RMB 40000/97; the transaction period T1 is 20 hours. This time period is used for the issuing account to consider in specifically selecting which receiving account to trade with. The issuing account, i.e., the seller itself selects a buyer of RMB40000/102 to trade.
When the transaction is completed, the transaction unit releases the ownership of the transaction information IMF from the issuing account and re-associates the receiving account; i.e., the buyer bidding on RMB40000/102 is re-associated.
Before the execution period T2 is over, the buyer of the bidding RMB40000/102 thinks that the transaction information IMF (the price RMB40000 yuan and the credit value 95) cannot be digested by himself, then the buyer decides to abandon the self digestion and selects the transferor to trade the transaction information IMF (the price RMB40000 yuan and the credit value 95);
when the hand transferring message is issued through the issuing unit, the arithmetic unit divides the execution period T2 into a consumed execution period T3 and an unconsumed execution period T4 while receiving the reselling information issued by the account through the issuing unit;
the receiving account (buyer of RMB 40000/102) successfully resells in the unconsumed execution period T4 until the execution period T2 expires, the computing unit deducts the receiving account credit value of-5 because it has not been consumed by itself.
Example 6:
in addition to the embodiment 5, as shown in fig. 5 in the description, if the new receiving account, i.e. buyer An +1, completes the execution of the transaction information IMF, the computing unit adds the credit value +2 and the credit value +5 to the receiving account (buyer of RMB 40000/102), i.e. buyer An and the new receiving account, i.e. buyer An +1, respectively. The reason why the credit value +2 is carried out on the receiving account (the buyer of RMB 40000/102), namely the buyer An, is that the buyer An transfers effective information in time and contributes to efficient transfer with information thinking, so the credit value-5 originally deducted is deducted because the buyer cannot complete digestion by himself and has a defect in capacity based on the contribution to real information transfer; conversely, the new receiving account, buyer An +1, receives credit +5 because it completes the digestion of the transaction information. The increase and decrease of the credit value are mainly reflected in the completion rate after the acceptance of the transaction information, the honesty degree when the information is released and the contribution value to the information circulation. Therefore, the value of effective information can be fundamentally improved around the three dimensions of the completion rate, the integrity and the contribution value. The transaction information IMF described in this application is transaction information for online or online and offline, which is also the mainstream channel of information transaction today. For example, taking renting or selling house information as an example, when a buying house of transaction information uploads an actual renting and selling contract to the system within a specified time, the execution of digestion is considered to be finished, otherwise, the execution is not finished, and the system is increased or decreased and adjusted according to a preset credit value, so that the purpose of scheduling resources by taking credit as a core is achieved, and the mode and the existing defects of the traditional information transaction are changed.
Example 7:
on the basis of the trading system and the process of the embodiment, the embodiment performs optimized setting on the trading unit: after the seller issues the transaction information IMF through the issuing unit, if all buyers satisfying the credit value are lower than the set price of the seller, the seller can arbitrarily select the buyer offering the bid price as the transaction object before the transaction period T1 expires, and the transaction is completed. When all buyer bids meeting the credit value are lower than the price set by the seller and the seller has not selected any buyer to confirm the transaction until the transaction period T1 expires, the system cancels the transaction when the transaction period T1 expires, and all information related to the transaction information IMF flow, including the buyer bids, is returned by the system. Finally, the seller selects whether to reissue the transaction information, if not, the transaction information IMF still belongs to the seller, the credit value is not changed, and the transaction flow is terminated; if the seller chooses to reissue, the process of publishing is repeated.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (7)
1. An information transaction system based on a credit system comprises a database for collecting, storing and calling transaction information IMF and a member management module for managing all accounts registered in the information transaction system, and is characterized in that: the member management module comprises a basic information unit and a credit value unit, wherein the basic information unit is used for managing personal information and transaction records of an account, and the personal information comprises credit values which are managed by the credit value unit and are used as partial transaction conditions;
the credit value management module comprises an initial assignment unit for carrying out first quota allocation on each account, an operation unit for increasing and decreasing credit values of two parties of related transactions of the transaction information IMF according to different circulation nodes where the transaction information IMF is located, and a training unit for monitoring each account to complete tasks preset by a system and carrying out quota credit value reward;
the database comprises an acquisition unit, an acquisition unit and a verification unit, wherein the acquisition unit is used for collecting and verifying transaction information IMF input through any account; a storage unit for storing all entered transaction information IMF and tasks for the training unit to invoke; the transaction system comprises an issuing unit used for any account to issue the transaction information IMF and a transaction unit used for recording and changing the state of the account to which the transaction information IMF belongs.
2. The credit system-based information transaction system according to claim 1, wherein: the transaction information IMF comprises credit values, and the issuing unit comprises a filter for checking and shielding all receiving accounts of which the credit value balance of all credit value units is lower than the preset credit value in the transaction information IMF.
3. The credit hierarchy-based information transaction system according to claim 2, wherein: the database further comprises a screening unit, the screening unit sets a transaction period T1 for any transaction information IMF issued by the issuing unit through the issuing unit, and when the transaction period T1 is up, the screening unit selects a determined transaction object from one or more quasi-receiving accounts meeting transaction conditions of the transaction information IMF according to a random rule preset by a system.
4. The credit system-based information transaction system according to claim 3, wherein: the random rule is that the credit value and the price of the receiving account are calculated according to a 50:50 mode to be weighted average and ranked in an ascending order, and the receiving account with the first ranking is a final transaction object.
5. An information transaction method based on credit system is characterized in that: the transaction system implementation of claim 4, comprising in particular the steps of:
step S100, registering and logging account information through a member management module;
step S200, the transaction information IMF is input by an acquisition unit in the database, the acquisition unit checks whether the newly input transaction information IMF belongs to new data, and if the newly input transaction information IMF belongs to the new data, the newly input transaction information IMF is recorded and stored in the storage unit and synchronously associated to a basic information unit of the member management module;
step S300, any transaction information IMF needing to be transacted is selected from the basic information unit, and the price and the credit value of the transaction information IMF are set and issued through the issuing unit; the filter reads the credit value of the transaction information IMF and compares the credit value with the credit value balances in the credit value units of all receiving accounts in the system one by one, if the compared credit value balance is lower than the credit value balance of the transaction information IMF, the filter hides the transaction information IMF relative to the receiving account with the lower credit value balance and displays the receiving account with the credit value balance equal to or larger than the credit value of the transaction information IMF;
step S400, when the issuing unit issues the transaction information IMF, the screening unit sets a transaction period T1 for the transaction information IMF, and in the transaction period T1, one or more receiving accounts which can see the transaction information IMF issue transaction prices;
step S500, before the transaction period T1 is over, a receiving account which selects to send out the transaction price is selected for transaction; when the transaction is completed, the transaction unit releases the ownership of the transaction information IMF from the issuing account and re-associates the receiving account;
the operation unit sets an execution period T2 label on the transaction information IMF at the same time, when the transaction information IMF is false and is verified and identified by the system through the acquisition unit fed back by the receiving account before the execution period T2 is ended, the operation unit deducts the credit value of the original issuing account and increases the credit value of the receiving account, and the transaction unit deducts the transaction amount of the issuing account and returns the transaction amount to the receiving account at the same time;
before the execution period T2 is over, the receiving account completes execution of the transaction information IMF and uploads the completion data through the acquisition unit, and the operation unit simultaneously increases credit values of the issuing account and the receiving account;
when the receiving account unfinished transaction information IMF is executed before the execution period T2 expires, the calculating unit deducts the credit value of the receiving account.
6. The credit hierarchy-based information transaction method of claim 5, wherein: in step S500, the method further includes the step of receiving that the execution of the incomplete transaction information IMF is performed for monopolization before the execution period T2 expires:
the method specifically comprises the following steps: the arithmetic unit divides the execution cycle T2 into a consumed execution cycle T3 and an unconsumed execution cycle T4 while receiving the reselling information issued by the account through the issuing unit;
if the receiving account is successfully resell in the unconsumed execution period T4 until the execution period T2 is over, the computing unit deducts the credit value of the receiving account; and if the newly received account completes the execution of the transaction information IMF, the computing unit respectively adds credit values to the received account and the newly received account.
7. A business model characterized by: the information transaction system of claim 4 is adopted to carry out the associated transaction of the information transaction IMF and the credit value, so that the reliability of the transaction information IMF and the instantaneity of information circulation are increased.
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