CN102346904A - Borrowing and lending method and system - Google Patents
Borrowing and lending method and system Download PDFInfo
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- CN102346904A CN102346904A CN2010102466991A CN201010246699A CN102346904A CN 102346904 A CN102346904 A CN 102346904A CN 2010102466991 A CN2010102466991 A CN 2010102466991A CN 201010246699 A CN201010246699 A CN 201010246699A CN 102346904 A CN102346904 A CN 102346904A
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Abstract
The invention discloses a borrowing and lending method and a borrowing and lending system. The method comprises the following steps that: a user sends a borrowing and lending request to a central center through a terminal, wherein the borrowing and lending request information comprises user information; the central server acquires the credit of the user according to the user information contained in the borrowing and lending request, and sends authentication information corresponding to a borrowing/lending fund to the corresponding user, wherein the borrowing/lending fund of the user is not higher than the maximum fund corresponding to the credit of the user; and the user uses the fund by means of the authentication information. The borrowing and lending method and the borrowing and lending system can be used for conveniently and quickly borrowing and lending the shopping expense.
Description
Technical field
The invention belongs to electronic information technical field, relate to a kind of debt-credit method, simultaneously, the invention still further relates to a kind of debt-credit system.
Background technology
Along with being showing improvement or progress day by day of science and technology, people's shopping way has also had earth-shaking variation.Bankcard consumption can be passed through like people, buckets of cash need not be carried again; Can pay by mails through means such as the Internet banks through shopping at network or payment, saved great amount of time, can conveniently buy the commodity in strange land simultaneously; Can use credit card debt-credit part expense, in the time limit of setting, refunding gets final product.
The debt-credit purchase expenses can only be accomplished through the credit card of bank usually, yet some do not handle credit card, and handling of while credit card had relatively high expectations, formality is complicated.
People can lose and have no money once in a while owing to leaving behind wallet or wallet, and just can't do shopping this moment; If above-mentioned situation has appearred in people in the other places,, can bring a lot of inconveniences to people owing to there is not friend to help.
Summary of the invention
Technical matters to be solved by this invention is: a kind of debt-credit method is provided, can borrows or lends money purchase expenses quickly and easily.
In addition, the present invention further provides a kind of debt-credit system, can borrow or lend money purchase expenses quickly and easily.
For solving the problems of the technologies described above, the present invention adopts following technical scheme:
A kind of debt-credit method, said method comprises the steps:
The user sends the debt-credit request through the terminal to central server, comprises user profile in the debt-credit solicited message;
Said central server obtains user's credit according to the user profile that comprises in the debt-credit request, and the fund that borrow/lends to the user is not higher than the fund mxm. of its credit correspondence, and sends an authentication information corresponding with borrow/lending fund to relative users;
The user relies on said authentication information to use above-mentioned fund.
As a kind of preferred version of the present invention, said method comprises:
A1, user get into and set the website or borrow money input user profile and credit amount through IVR mode or short message mode;
The information of A2, input is transferred into corresponding second server according to the loaning bill mode;
A3, second server pass to central server to the above-mentioned information and the inlet sign of borrowing money through web service or https mode;
The credit of A4, central server judges and credit line if pass through, are then sent authentication information to the said second server of uniqueness; User bound information and credit amount in this authentication information;
A5, second server are sent to relative users with authentication information after receiving said authentication information;
A6, user rely on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
As a kind of preferred version of the present invention, in the said steps A 5, second server is sent to relative users through website or note or IVR mode with authentication information.
As a kind of preferred version of the present invention, said shopping/payment terminal is self-help shopping/payment terminal;
The user imports said authentication information to this self-help shopping/payment terminal, and selects the commodity on self-help shopping/payment terminal;
This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, the user obtains corresponding commodity or service.
As a kind of preferred version of the present invention, said shopping/payment terminal comprises a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to set point (like certain setting place of convenience store or supermarket or retail shop or public place) to obtain corresponding commodity or service.
As a kind of preferred version of the present invention, said method comprises:
B1, user borrow money through credit terminal, input user profile and credit amount;
B2, credit terminal are sent to central server to above-mentioned information;
The credit of B3, central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information;
B4, user rely on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
As a kind of preferred version of the present invention, said credit terminal and shopping/payment terminal are same terminal.
As a kind of preferred version of the present invention, said shopping/payment terminal is self-help shopping/payment terminal;
The user imports said authentication information to this self-help shopping/payment terminal, and selects the commodity on self-help shopping/payment terminal;
This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, the user obtains selected commodity or service.
As a kind of preferred version of the present invention, said shopping/payment terminal comprises a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to convenience store or supermarket or retail shop or public place to obtain corresponding commodity or service.
As a kind of preferred version of the present invention, the user imports user profile and credit amount at solid shop/brick and mortar store through the mode of fill message, then inputs to central server by the solid shop/brick and mortar store employee; The credit of central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information; The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
As a kind of preferred version of the present invention, said authentication information is character string or one dimension sign indicating number or two-dimension code, perhaps sets form and addresser's note.
As a kind of preferred version of the present invention, said debt-credit method also comprises the step of user profile and bank card or handset binding; Exceed the time limit when not giving back the fund of debt-credit the user, obtain mandate, directly deduct the corresponding amount of money in bank card or the mobile phone.
As a kind of preferred version of the present invention, borrow or lend money the information setting of the mxm. of certain user's fund according to the user; Perhaps, confirm according to the bank card or the record of the consumption in the mobile phone card of user binding.
A kind of debt-credit system, said system comprises:
The debt-credit terminal, the user sends the debt-credit request through this debt-credit terminal to a central server, comprises user profile in the debt-credit solicited message;
Central server; In order to receive the debt-credit request; And obtaining user's credit based on the user profile that comprises in the debt-credit request, the fund that borrow/lends to the user is not higher than the fund peak of its credit correspondence, and sends an authentication information corresponding with borrow/lending fund to relative users; The user relies on said authentication information to use above-mentioned fund.
As a kind of preferred version of the present invention, the user gets into through said debt-credit terminal and sets the website or borrow money input user profile and credit amount with IVR mode or short message mode;
Said debt-credit system comprises second server, is connected with said debt-credit terminal, and the information of user's input is transferred into corresponding second server according to the loaning bill mode;
Second server passes to central server to the above-mentioned information and the inlet sign of borrowing money through web service or https mode;
The credit of central server judges and credit line if pass through, are then sent authentication information to the said second server of uniqueness; User bound information and credit amount in this authentication information;
Second server is sent to relative users with authentication information after receiving said authentication information;
The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
As a kind of preferred version of the present invention, said shopping/payment terminal is self-help shopping/payment terminal;
The user imports said authentication information to this self-help shopping/payment terminal, and selects commodity or service on self-help shopping/payment terminal;
This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, the user obtains selected commodity or service.
As a kind of preferred version of the present invention, said shopping/payment terminal comprises a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to convenience store or supermarket or retail shop or public place to obtain corresponding commodity.
As a kind of preferred version of the present invention, the user borrows money through credit terminal, input user profile and credit amount;
Credit terminal is sent to central server to above-mentioned information;
The credit of central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information;
The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
As a kind of preferred version of the present invention, said shopping/payment terminal is self-help shopping/payment terminal;
The user imports said authentication information to this self-help shopping/payment terminal, and selects commodity or service on self-help shopping/payment terminal;
This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, the user obtains selected commodity or service.
As a kind of preferred version of the present invention, said shopping/payment terminal comprises a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to convenience store or supermarket or retail shop or public place to obtain corresponding commodity or service.
As a kind of preferred version of the present invention, the user imports user profile and credit amount at solid shop/brick and mortar store through the mode of fill message, then inputs to central server by the solid shop/brick and mortar store employee; The credit of central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information; The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
Beneficial effect of the present invention is: the debt-credit method and system that the present invention proposes, can borrow or lend money purchase expenses quickly and easily.
Description of drawings
Fig. 1 is the process flow diagram of debt-credit method among the embodiment one.
Fig. 2 borrows or lends money the composition synoptic diagram of system for the present invention.
Fig. 3 is the process flow diagram of debt-credit method among the embodiment two.
Embodiment
Describe of the present invention preferably buying in detail below in conjunction with accompanying drawing and execute example.
Embodiment one
See also Fig. 1, the present invention discloses a kind of debt-credit method, and said method comprises the steps:
-user sends the debt-credit request through the terminal to central server, comprises user profile in the debt-credit solicited message;
-said central server obtains user's credit according to the user profile that comprises in the debt-credit request, and the fund that borrow/lends to the user is not higher than the fund mxm. of its credit correspondence, and sends an authentication information corresponding with lending fund to relative users.Said authentication information is character string or one dimension sign indicating number or two-dimension code, perhaps sets form and addresser's note.Borrow or lend money the information setting (obtain manner of user profile can have multiple, because non-of the present invention core improve, here do not do give unnecessary details) of the mxm. of certain user's fund according to the user; Perhaps, confirm according to the bank card or the record of the consumption in the mobile phone card of user binding.
-user relies on said authentication information to use above-mentioned fund.
In the present embodiment, the user is through setting the website or borrowing money through IVR mode or short message mode, and said method comprises the steps:
[steps A 1] user gets into and sets the website or borrow money input user profile and credit amount through I VR mode or short message mode.Can get into the website of setting through computing machine or mobile phone like the user, select the service of borrowing money, send the identity information of oneself, certainly, these information need confirm that before concrete affirmation flow process can be set as required.The user can also borrow money through IVR mode or note (comprising multimedia message) mode request.
The information of [steps A 2] input is transferred into corresponding second server according to the loaning bill mode.As, the user borrows money through setting web site requests, and the solicited message of user's input then is sent to the server of this website; Borrow money through the request of IVR mode like the user, the solicited message of user's input then is sent to corresponding ivr server.
[steps A 3] second server passes to central server to the above-mentioned information and the inlet sign of borrowing money through web service or https mode.
The credit and the credit line of [steps A 4] central server judges if pass through, are then sent authentication information to the said second server of uniqueness; User bound information and credit amount in this authentication information.
After [steps A 5] second server receives said authentication information, authentication information is sent to relative users.Second server can be sent to relative users with authentication information through website or note or IVR mode.
[steps A 6] user relies on said unique authentication information to a shopping/payment terminal shopping or payment (present embodiment is example with the shopping), and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
Wherein, said shopping/payment terminal can be self-help shopping/payment terminal; The user imports said authentication information to this self-help shopping/payment terminal, and selects the commodity (can certainly be service) on self-help shopping/payment terminal; This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, the user obtains corresponding commodity or service.
Said shopping/payment terminal can also comprise a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to obtain corresponding commodity to setting place (like convenience store or supermarket or retail shop or public place).
Said debt-credit method also comprises the step of user profile and bank card or handset binding; Exceed the time limit when not giving back the fund of debt-credit the user, obtain mandate, directly deduct the corresponding amount of money in bank card or the mobile phone.
More than introduced debt-credit method of the present invention, the present invention also discloses a kind of debt-credit system corresponding with said method when disclosing above-mentioned debt-credit method; See also Fig. 2, said debt-credit system comprises: debt-credit terminal 10, central server 20, second server 30, shopping/payment terminal 40; Said central server 20 connects debt-credit terminal 10, second server 30, shopping/payment terminal 40 respectively.
[debt-credit terminal]
The user sends the debt-credit request through said debt-credit terminal 10 to central server 20, comprises user profile in the debt-credit solicited message.As, the user gets into through said debt-credit terminal and sets the website or borrow money input user profile and credit amount with IVR mode or short message mode.
[second server]
Said second server 30 is connected with said debt-credit terminal 10, and the information of user's input is transferred into corresponding second server 30 according to the loaning bill mode.Second server 30 passes to central server 20 to the above-mentioned information and the inlet sign of borrowing money through web service or https mode.
[central server]
Central server 20 is as the regulation and control center of total system, respectively with other ingredients (debt-credit terminal 10, second server 30, shopping/payment terminal 40) interactive information of system.
Central server 20 is in order to receive the debt-credit request; And obtain user's credit based on the user profile that comprises in the debt-credit request; The fund of lending to the user is not higher than the corresponding fund peak of its credit, and sends an authentication information corresponding with lending fund to relative users; The user relies on said authentication information to use above-mentioned fund (like shopping, refund etc.).Particularly, the credit and the credit line of central server 20 judges if pass through, are then sent authentication information to the said second server 30 of uniqueness; User bound information and credit amount in this authentication information.Second server 30 is sent to relative users with authentication information after receiving said authentication information.
[shopping/payment terminal]
The user relies on 40 shopping of said unique authentication information to shopping/payment terminal or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
But said shopping/payment terminal self-help shopping/payment terminal; The user imports said authentication information to this self-help shopping/payment terminal, and selects the commodity on self-help shopping/payment terminal; This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, selected commodity are handed over to the user.
In addition, said shopping/payment terminal comprises a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to convenience store or supermarket or retail shop or public place to obtain corresponding commodity or service.
In sum, the debt-credit method and system that the present invention proposes can be borrowed or lent money purchase expenses quickly and easily, for people's shopping brings very big facility.
Embodiment two
Present embodiment is introduced the operating process of the inventive method with a concrete case.
See also Fig. 3, in the present embodiment, the user can directly borrow money through the credit terminal in the retail shop, and said method comprises the steps:
[step B1] user borrows money through credit terminal, input user profile and credit amount;
[step B2] credit terminal is sent to central server to above-mentioned information;
The credit and the credit line of [step B3] central server judges if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information;
[step B4] user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said credit terminal and shopping/payment terminal can be same terminal.Said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
Said shopping/payment terminal can be self-help shopping/payment terminal; The user imports said authentication information to this self-help shopping/payment terminal, and selects the commodity on self-help shopping/payment terminal; This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, selected commodity are handed over to the user.
In addition, said shopping/payment terminal can also comprise a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to convenience store or supermarket or retail shop to obtain corresponding commodity.
In the present embodiment, said debt-credit system comprises: credit terminal, central server, shopping/payment terminal.Said credit terminal and shopping/payment terminal can also be same terminal.
The user borrows money through credit terminal, input user profile and credit amount; Credit terminal is sent to central server to above-mentioned information; The credit of central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information; The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
Embodiment three
In the present embodiment, the user imports user profile and credit amount at solid shop/brick and mortar store through the mode of fill message, then inputs to central server by the solid shop/brick and mortar store employee; The credit of central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information; The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
Here description of the invention and application is illustrative, is not to want with scope restriction of the present invention in the above-described embodiments.Here the distortion of the embodiment that is disclosed and change is possible, and the replacement of embodiment is known with the various parts of equivalence for those those of ordinary skill in the art.Those skilled in the art are noted that under the situation that does not break away from spirit of the present invention or essential characteristic, and the present invention can be with other form, structure, layout, ratio, and realize with other assembly, material and parts.Under the situation that does not break away from the scope of the invention and spirit, can carry out other distortion and change here to the embodiment that is disclosed.
Claims (21)
1. a debt-credit method is characterized in that, said method comprises the steps:
The user sends the debt-credit request through the terminal to central server, comprises user profile in the debt-credit solicited message;
Said central server obtains user's credit according to the user profile that comprises in the debt-credit request, and the fund that borrow/lends to the user is not higher than the fund mxm. of its credit correspondence, and sends an authentication information corresponding with borrow/lending fund to relative users;
The user relies on said authentication information to use above-mentioned fund.
2. debt-credit method according to claim 1 is characterized in that:
Said method comprises:
A1, user get into and set the website or borrow money input user profile and credit amount through IVR mode or short message mode;
The information of A2, input is transferred into corresponding second server according to the loaning bill mode;
A3, second server pass to central server to the above-mentioned information and the inlet sign of borrowing money through web service or https mode;
The credit of A4, central server judges and credit line if pass through, are then sent authentication information to the said second server of uniqueness; User bound information and credit amount in this authentication information;
A5, second server are sent to relative users with authentication information after receiving said authentication information;
A6, user rely on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
3. debt-credit method according to claim 2 is characterized in that:
In the said steps A 5, second server is sent to relative users through website or note or IVR mode with authentication information.
4. debt-credit method according to claim 2 is characterized in that:
Said shopping/payment terminal is self-help shopping/payment terminal;
The user imports said authentication information to this self-help shopping/payment terminal, and selects commodity or service on self-help shopping/payment terminal;
This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, the user obtains corresponding commodity or service.
5. debt-credit method according to claim 2 is characterized in that:
Said shopping/payment terminal comprises a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to set point to obtain corresponding commodity or service.
6. debt-credit method according to claim 1 is characterized in that:
Said method comprises:
B1, user borrow money through credit terminal, input user profile and credit amount;
B2, credit terminal are sent to central server to above-mentioned information;
The credit of B3, central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information;
B4, user rely on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
7. debt-credit method according to claim 6 is characterized in that:
Said credit terminal and shopping/payment terminal are same terminal.
8. debt-credit method according to claim 6 is characterized in that:
Said shopping/payment terminal is self-help shopping/payment terminal;
The user imports said authentication information to this self-help shopping/payment terminal, and selects commodity or service on self-help shopping/payment terminal;
This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, the user obtains selected commodity or service.
9. debt-credit method according to claim 6 is characterized in that:
Said shopping/payment terminal comprises a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to convenience store or supermarket or retail shop or public place to obtain corresponding commodity or service.
10. debt-credit method according to claim 1 is characterized in that:
The user imports user profile and credit amount at solid shop/brick and mortar store through the mode of fill message, then inputs to central server by the solid shop/brick and mortar store employee;
The credit of central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information;
The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
11. debt-credit method according to claim 1 is characterized in that:
Said authentication information is character string or one dimension sign indicating number or two-dimension code, perhaps sets form and addresser's note.
12. debt-credit method according to claim 1 is characterized in that:
Said debt-credit method also comprises the step of user profile and bank card or handset binding;
Exceed the time limit when not giving back the fund of debt-credit the user, obtain mandate, directly deduct the corresponding amount of money in bank card or the mobile phone.
13. debt-credit method according to claim 1 is characterized in that:
Borrow or lend money the information setting of the mxm. of certain user's fund according to the user; Perhaps, confirm according to the bank card or the record of the consumption in the mobile phone card of user binding.
14. a debt-credit system is characterized in that, said system comprises:
The debt-credit terminal, the user sends the debt-credit request through this debt-credit terminal to a central server, comprises user profile in the debt-credit solicited message;
Central server; In order to receive the debt-credit request; And obtaining user's credit based on the user profile that comprises in the debt-credit request, the fund that borrow/lends to the user is not higher than the fund peak of its credit correspondence, and sends an authentication information corresponding with borrow/lending fund to relative users; The user relies on said authentication information to use above-mentioned fund.
15. debt-credit according to claim 14 system is characterized in that:
The user gets into through said debt-credit terminal and sets the website or borrow money input user profile and credit amount with IVR mode or short message mode;
Said debt-credit system comprises second server, is connected with said debt-credit terminal, and the information of user's input is transferred into corresponding second server according to the loaning bill mode;
Second server passes to central server to the above-mentioned information and the inlet sign of borrowing money through web service or https mode;
The credit of central server judges and credit line if pass through, are then sent authentication information to the said second server of uniqueness; User bound information and credit amount in this authentication information;
Second server is sent to relative users with authentication information after receiving said authentication information;
The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
16. debt-credit according to claim 15 system is characterized in that:
Said shopping/payment terminal is self-help shopping/payment terminal;
The user imports said authentication information to this self-help shopping/payment terminal, and selects commodity or service on self-help shopping/payment terminal;
This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, the user obtains selected commodity or service.
17. debt-credit according to claim 15 system is characterized in that:
Said shopping/payment terminal comprises a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to convenience store or supermarket or retail shop or public place to obtain corresponding commodity or service.
18. debt-credit according to claim 14 system is characterized in that:
The user borrows money through credit terminal, input user profile and credit amount;
Credit terminal is sent to central server to above-mentioned information;
The credit of central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information;
The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
19. debt-credit according to claim 18 system is characterized in that:
Said shopping/payment terminal is self-help shopping/payment terminal;
The user imports said authentication information to this self-help shopping/payment terminal, and selects commodity or service on self-help shopping/payment terminal;
This self-help shopping/payment terminal is discerned said authentication information, and is sent in the central server and verifies, verify successfully after, the user obtains selected commodity or service.
20. debt-credit according to claim 18 system is characterized in that:
Said shopping/payment terminal comprises a printing equipment, and shopping/payment terminal receives unique authentication information of user, generates corresponding printing list, and prints through printing equipment; The user relies on this printing list to convenience store or supermarket or retail shop or public place to obtain corresponding commodity or service.
21. debt-credit according to claim 14 system is characterized in that:
The user imports user profile and credit amount at solid shop/brick and mortar store through the mode of fill message, then inputs to central server by the solid shop/brick and mortar store employee;
The credit of central server judges and credit line if pass through, are then sent authentication information to the said credit terminal of uniqueness, perhaps directly authentication information are not sent to the user through credit terminal; User bound information and credit amount in this authentication information;
The user relies on said unique authentication information to a shopping/payment terminal shopping or payment, and said shopping/payment terminal connects said central server, and said unique authentication information is sent to the central server verification; After the verification succeeds, revise the attribute that whether representative has been used in said unique authentication information corresponding informance.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102466991A CN102346904A (en) | 2010-07-30 | 2010-07-30 | Borrowing and lending method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102466991A CN102346904A (en) | 2010-07-30 | 2010-07-30 | Borrowing and lending method and system |
Publications (1)
| Publication Number | Publication Date |
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| CN102346904A true CN102346904A (en) | 2012-02-08 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2010102466991A Pending CN102346904A (en) | 2010-07-30 | 2010-07-30 | Borrowing and lending method and system |
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| CN (1) | CN102346904A (en) |
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| CN107194806A (en) * | 2016-09-13 | 2017-09-22 | 深圳中兴飞贷金融科技有限公司 | Server for mobile phone loan |
| CN110197427A (en) * | 2019-04-29 | 2019-09-03 | 德邦物流股份有限公司 | Method and system are borrowed or lent money on a kind of line |
| WO2019205279A1 (en) * | 2018-04-25 | 2019-10-31 | 平安科技（深圳）有限公司 | Bank card authentication method, apparatus, device and readable storage medium |
| CN110503545A (en) * | 2019-07-10 | 2019-11-26 | 深圳壹账通智能科技有限公司 | Loan is independently into part method, terminal device, storage medium and device |
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| CN110197427A (en) * | 2019-04-29 | 2019-09-03 | 德邦物流股份有限公司 | Method and system are borrowed or lent money on a kind of line |
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Application publication date: 20120208 |