CN102609876B - System and method for processing consumption credit investigation information - Google Patents
System and method for processing consumption credit investigation information Download PDFInfo
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- CN102609876B CN102609876B CN201210032420.9A CN201210032420A CN102609876B CN 102609876 B CN102609876 B CN 102609876B CN 201210032420 A CN201210032420 A CN 201210032420A CN 102609876 B CN102609876 B CN 102609876B
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- information
- consumption
- credit
- information data
- smart card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses a system for processing consumption credit investigation information and a method for processing consumption credit investigation information. The system mainly comprises: a smart card serving as a voucher for bankcard consumption; an information terminal used for reading account information of the smart card and sending the account information to a subsystem for processing consumption credit investigation information, and further used for updating consumption information data in the smart card according to the processing result of the subsystem for processing consumption credit investigation information; and a subsystem for processing consumption credit investigation information, comparing the consumption information data of the smart card obtained by the information terminal with basic consumption information data stored in the subsystem to determine whether a preset risk control threshold is exceeded, and outputting the comparison result to the information terminal if the preset risk control threshold is not exceeded. According to the information processing system and method provided in the present invention, the consumption information is collected and processed objectively in real time.
Description
Technical field
The present invention relates to computer network communication technology, more particularly, to a kind of information processing system for consumption credit investigation
System and its method.
Background technology
Traditional consumption pattern present in present society, is based on buyer and the seller（Trade company）The binary consumption base building
On plinth, i.e. consumer's goods trade mode.This trade mode is an information island, due to lacking corresponding information
Acquiring way, therefore third party cannot take real consumption information.
Bank card, the consumption mode including the credit card is：Bank obtains the transaction mould of spending amount by POS terminal
Formula.The credit system of this kind of pattern it is impossible to solve due to consumer and banking credit two-sided information distortion, information asymmetry and
The consumer leading to breaks one's promise and the problems such as bank credit risk control difficulty.
Further, since the POS that we use at present is all to be laid by bank oneself, POS represents the interests of bank,
The bank card that user uses is also that bank is sent out, representative or bank interests, and credit is provided or had by bank
Determining the credit of consumer, such consumer is in a kind of by credit and in the environment consumed with card all the time, works as chance for bank
It is to obtain more legal assurances to consumer during dispute, basically this is an implacable contradiction.
It can be seen that, existing credit system cannot fundamentally solve in buyer and the common binary consumer economy building of the seller
Bank finance industry under relation borrow or lend money credit system due to credit two-sided information distortion, information asymmetry and lead to cause one be
Row problem, even large-scale financial storm and economic recession.The financial storm of U.S.'s outburst is exactly under dual economy relation
Bank Danamon industry borrows or lends money the best example that credit system can not solve the problems, such as social and economic activities.Existing foundation is in binary
Credit system under economic relation, from basic it cannot be guaranteed that the realistic financing in debt-credit side, step-by-step repaying, thus lead to
The collapse of bank finance industry.
Therefore, need a kind of information processing system for consumption credit investigation of research and development badly, by building consumer（Intelligence
Card）Consumption credit investigation system trade company（Consumption terminal）Ternary consumption mode, realize real-time, objective consumption
The collection of information and information processing.
Content of the invention
In view of this, present invention is primarily targeted at provide a kind of information processing system for consumption credit investigation and
Its method, realizes real-time, the objective collection carrying out consumption information and information processing.
For reaching above-mentioned purpose, the technical scheme is that and be achieved in that：
A kind of information processing system for consumption credit investigation, this information processing system mainly includes consumer credit information
Processing subsystem, information terminal and smart card；Wherein：
Described smart card, the voucher as bankcard consumption, it is distributed be stored with credit information data and consumption information data；
Described information terminal, for reading the accounts information of smart card, and sends it to consumer credit information processing
System is processed, and updates disappearing in smart card for the result according to described consumer credit information processing subsystem
Charge information data；
Described consumer credit information processing subsystem, the consumption information data of the smart card for being read according to information terminal
Compare with the basic consumption information data of this subsystem storage and original credit database, to judge whether it exceeds
Default risk control threshold value, if without departing from exporting information terminal by comparison result.
Wherein, described consumer credit information processing subsystem, further includes：
Consumption information receiver module, comprises basic credit information data, consumption information for what receive information terminal read
Data message, in interior intelligent card data bag, is sent to consumption information data base after unpacking；
Consumption information data base, for storing consumption information data corresponding with smart card account；
Raw consumer information database, for storing raw consumer information data corresponding with smart card account；
Original credit database, for storing original credit information data corresponding with smart card account；
Compare middleware module, for reading the consumption letter in described consumption information data base corresponding with smart card account
The consumption information data of breath data and the described raw consumer information database of reading and original credit database are contrasted,
And comparison result is sent to comparison result data base；
Comparison result data base, for storing the corresponding described consumption information data base of smart card and described raw consumer letter
Breath data base and the comparing result of original credit database, and by the credit information data in comparison result, consumption
Information data is sent to information terminal.
Wherein, described consumer credit information processing subsystem supports multiple information terminals, and the support of each information terminal is many
Individual smart card is swiped the card.
Described information terminal, is POS.
Described smart card is contact or non-contact IC card.
A kind of information processing method for claim 1 described information processing system, the method includes：
A, smart card is inserted information terminal or swipe the card on information terminal, described information terminal is read from described smart card
Cancellation fee information data and basic credit information data, and send it to consumer credit information processing subsystem；
B, described consumer credit information processing subsystem receive described consumption information data and basis/original credit information number
According to, being checked errorless after store it in consumption information data base；
C, by compare middleware module read consumption information data base, raw consumer information database and original credit letter
Data in breath data base, and original credit information data, consumption information data and raw consumer information data are compared；
D, according to consumption information data and original/basic credit information data, see if fall out risk control threshold value, if
Exceed, then return and cross the border result and terminate this information process；Otherwise, then will be sent to through comparing the result do not crossed the border
Comparison result data base；
E, by the credit information data in comparison result, consumption information data is activation to information terminal；
F, by described information terminal, consumption information data is updated in described smart card.
Information processing system for consumption credit investigation provided by the present invention and its method, have advantages below：
This information processing system, using brand-new consumer credit system, can fundamentally solve credit two-sided information and lose
Very, the problems such as information asymmetry.Thus advantageously account for credit in the range of the whole society and breaking one's promise, avoiding bank credit risk etc. to ask
Topic, prevents the unbalance generation leading to Global finance storm of credit under similar american wheat doffer's event dual economy, makes financial order in order
Sequence etc..Using this information processing system, consumer sale information data accurately and timely the flowing of consumption funds, transaction can be commanded
Setting up the completely brand-new whole society's loyalty data warehouse system while fund sorting clearance is consumption information data base.Pass through
Third party pays for first, makes buyer buy goods（Assume）Afterwards but payment for goods is still placed in bank account and does not need to pay seller, grasp
Accurate information in process of exchange.Have no effect on after seller receives simultaneously and receive payment for goods in time.Fake and forged when occurring, especially
When being analogous to tripolycyanamide event, for law enforcement agency of government, thing being carried out with scientific evaluation provides foundation and law enforcement handss with disposing
Section.Paying for first by government, promotes that government department's administration is just, science, effectively, controls the whole sorting of payment for goods of enterprise marketing
Clearance each contented bank account from trade company to supply chain modes, it is ensured that not being in arrears with payment for goods between enterprise, is not in arrears with state tax revenue, no
It is in arrears with employee compensation, do not produce any credit fracture in a word.Consumption information card is consumption information voucher, including resident and enterprise two
Big class, is not intended as actual delivery instrument, wherein the design of consumption of resident release when leave consistent with China Unionpay standard
Magnetic stripe, can directly swipe the card on Unionpay's network terminal.And in bankcard consumption, the specified account opening up in bank pays for fund first
To trade company, the consumption information of resident is conserved simultaneously, is changed into resident's personal " consumer credit ", and reduce resident to bank
Personal credit's risk has great function, the perfect existing personal credit system of the People's Bank.Make bank loan, production, circulation,
Retailer and consumption of resident, bank savings form a complete closed-system, construct whole society's credit system.Enterprise
Benefit is then：Enterprise marketing is not in arrears with loan, and enterprise produces and is not concerned about fund, and enterprise marketing process becomes " credit is formed "
Process, solves business standing it is achieved that no mortgage, accomodation loan, and expands selling market, reduce cost, improve
Benefit.The benefit of resident：Consumption builds one's credit, and consumption rights and interests are guaranteed, and enjoy informationalized facility to the full.Bank good
Place：Consumption funds are directly changed savings, improve operation ability, reduce operation cost；Achieve and borrow the automated closed-loop refunded
Control, dissolved credit risk；Simplification program, accelerates Capital Flow, shortens cycle of operation, improves benefit.Government
Benefit：In the mechanism of paying for first, administrative mansion mansion strictly according to the facts, government has grasped consumption market information, and advance science management and effective prison
Superintend and direct；Improve the image of serve the people；Have stimulated consumption, pull domestic demand.
Brief description
Fig. 1 is used for the information processing system schematic diagram of consumption credit investigation for the present invention；
Fig. 2 is the schematic flow sheet applying the information processing system of the present invention to carry out information processing.
Specific embodiment
Below in conjunction with the accompanying drawings and embodiments of the invention are described in further detail to the method for the present invention.
Fig. 1 is used for the information processing system schematic diagram of consumption credit investigation for the present invention, as shown in figure 1, this information processing
System mainly includes consumer credit information processing subsystem 10, information terminal 11 and smart card 12.Wherein：
Described 12 points of two subregions of smart card, storage credit information data and consumption information data respectively, this smart card 12,
It is typically used as the voucher that consumer carries out bankcard consumption.Described smart card 12 can be made using contact or non-contact IC card.
Described information terminal 11, for reading the contents such as the accounts information of smart card 12, including the base reading smart card 12
Plinth/original credit information data, consumption information data, and send it at consumer credit information processing subsystem 10
Reason；And for the result according to described consumer credit information processing subsystem 10, update the consumption information in smart card
Data.Can also be POS, be usually placed in consumption place.
Described consumer credit information processing subsystem 10, for the consumption information to the smart card 12 that information terminal 11 reads
Compare, whether to judge it by the raw consumer information data storing and original credit database with this subsystem for data
Beyond default risk control threshold value, if without departing from comparison result is exported information terminal 11.Described consumer credit information
Processing subsystem 10, supports multiple information terminals 11, and each information terminal 11 supports that multiple smart cards 12 are swiped the card.
Here, described consumer credit information processing subsystem 10, further includes consumption information receiver module 101, consumption
Information database 102, raw consumer information database 103, original credit database 103', comparison middleware module 104
And comparison result data base 105.Wherein：
Consumption information receiver module 101, the basic credit letter comprising smart card 12 reading for receive information terminal 11
Breath data, consumption information data message, in interior packet, are sent to described consumption information data base through deblocking packet.
Consumption information data base 102, for storing consumption information data corresponding with smart card 12 account.
Raw consumer information database 103, for storing raw consumer information data corresponding with smart card 12 account.
Original credit database 103', for storing original credit information data corresponding with smart card 12 account.
Compare middleware module 104, for reading in described consumption information data base 102 corresponding with smart card 12 account
Consumption information data and the consumption letter reading described raw consumer information database 103 and original credit database 103'
Breath data is contrasted, and comparison result is sent to comparison result data base 105.
Comparison result data base 105, for storing the corresponding described consumption information data base 102 of smart card 12 and described former
The comparing result of beginning consumption information data base 103, and the credit information data in comparison result, consumption information data are sent out
Give information terminal 11.
Fig. 2 is the schematic flow sheet applying the information processing system of the present invention to carry out information processing, as shown in Fig. 2 this letter
Breath processing procedure comprises the steps：
Step 201：Smart card 12 is inserted information terminal 11 or swipes the card on information terminal 11.
Step 202：Described information terminal 11 reads consumption information data and basis/original credit from described smart card 12
Information data, and send it to consumer credit information processing subsystem 10.
Step 203：Described consumer credit information processing subsystem 10 receives described consumption information data and basis/original letter
With information data, being checked errorless after store it in consumption information data base 102.
Step 204：Read consumption information data base 102, raw consumer information database by comparing middleware module 104
103 and original credit database 103' in data, for example, original credit information data, consumption information data and original
Consumption information data, and compare.
Here, if smart card 12 uses first, this credit information data is referred to as original credit information data, if time and again
Use, then relatively last referred to as basic credit information data.
Step 205：According to consumption information data and original/basic credit information data, see if fall out default wind
Danger controls threshold value, if exceeding（Alternatively referred to as " crossing the border "）, then execution step 209；Otherwise, execution step 206.
Step 206：Comparison result data base 105 will be sent to through comparing the result do not crossed the border.
Step 207：Then by the credit information data in comparison result, consumption information data is activation to information terminal 11.
Step 208：By information terminal 11, consumption information data is updated in described smart card 12, terminate this information
Processing procedure.
Step 209：Return is crossed the border result, and terminates this information process.
The above, only presently preferred embodiments of the present invention, it is not intended to limit protection scope of the present invention.
Claims (5)
1. a kind of information processing system for consumption credit investigation is it is characterised in that this information processing system mainly includes disappearing
Take credit information processing subsystem, information terminal and smart card；Wherein：
Described smart card, the voucher as bankcard consumption, it is distributed be stored with credit information data and consumption information data；Described
Information terminal, for reading the accounts information of smart card, and sends it to consumer credit information processing subsystem and is processed,
And update the consumption information data in smart card for the result according to described consumer credit information processing subsystem；
Described consumer credit information processing subsystem, for the consumption information data of smart card that read according to information terminal with should
Whether the raw consumer information data of subsystem storage and original credit information data are compared, to judge it beyond default
Risk control threshold value, if without departing from exporting information terminal by comparison result；Described consumer credit information processing subsystem,
Specifically include：
Consumption information receiver module, the intelligence comprising credit information data, consumption information reading for receive information terminal
Energy card packet, is sent to consumption information data base after unpacking；
Consumption information data base, for storing consumption information data corresponding with smart card account；
Raw consumer information database, for storing raw consumer information data corresponding with smart card account；
Original credit database, for storing original credit information data corresponding with smart card account；
Compare middleware module, for reading the consumption information number in described consumption information data base corresponding with smart card account
Contrasted according to the raw consumer information data reading described raw consumer information database, and comparison result is sent to ratio
To result database；
Comparison result data base, for storing the corresponding described consumption information data base of smart card and described raw consumer Information Number
According to the comparing result of storehouse and original credit database, and comparison result is sent to information terminal.
2. the information processing system for consumption credit investigation according to claim 1 is it is characterised in that described consumption is believed
Support multiple information terminals with information processing subsystem, and each information terminal supports that multiple smart cards are swiped the card.
3. the information processing system for consumption credit investigation according to claim 1 is it is characterised in that described information is whole
End, is POS.
4. the information processing system for consumption credit investigation according to claim 1 is it is characterised in that described smart card
For contact or non-contact IC card.
5. a kind of information processing method for claim 1 described information processing system is it is characterised in that the method includes：
A, smart card is inserted information terminal or swipe the card on information terminal, described information terminal reads from described smart card and disappears
Charge information data and credit information data, and send it to consumer credit information processing subsystem；
B, described consumer credit information processing subsystem receive described consumption information data and credit information data, being checked errorless
Afterwards by described consumption information data storage in consumption information data base；
C, read consumption information data base, raw consumer information database and original credit information number by comparing middleware module
According to the data in storehouse, and original credit information data, consumption information data and raw consumer information data are compared；
D, see if fall out default risk control threshold value, if exceeding, returning and crossing the border result and terminate this information processing
Process；Otherwise, then comparison result data base will be sent to through comparing the result do not crossed the border；
E, comparison result is sent to information terminal；
F, by described information terminal, consumption information data is updated in described smart card.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210032420.9A CN102609876B (en) | 2012-02-14 | 2012-02-14 | System and method for processing consumption credit investigation information |
| PCT/CN2012/080777 WO2013120345A1 (en) | 2012-02-14 | 2012-08-30 | Information processing system for consumptive credit investigation and method therefor |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210032420.9A CN102609876B (en) | 2012-02-14 | 2012-02-14 | System and method for processing consumption credit investigation information |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN102609876A CN102609876A (en) | 2012-07-25 |
| CN102609876B true CN102609876B (en) | 2017-02-08 |
Family
ID=46527225
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201210032420.9A Expired - Fee Related CN102609876B (en) | 2012-02-14 | 2012-02-14 | System and method for processing consumption credit investigation information |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN102609876B (en) |
| WO (1) | WO2013120345A1 (en) |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102609876B (en) * | 2012-02-14 | 2017-02-08 | 张铁网 | System and method for processing consumption credit investigation information |
| CN103258276A (en) * | 2013-04-26 | 2013-08-21 | 张铁网 | Electronic traceability system and traceability method in commodity production, circulation and consumption process |
| CN105224542A (en) * | 2014-05-30 | 2016-01-06 | 北京奇虎科技有限公司 | A kind of method and apparatus business object data being imported platform |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1967584A (en) * | 2005-11-18 | 2007-05-23 | 吴超竑 | Auditing method for personal consumption credit |
| CN101329795A (en) * | 2008-07-31 | 2008-12-24 | 中国工商银行股份有限公司 | System and method for implementing bank card agent authorization |
| CN102194177A (en) * | 2011-05-13 | 2011-09-21 | 南京柯富锐软件科技有限公司 | System for risk control over online payment |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5521966A (en) * | 1993-12-14 | 1996-05-28 | At&T Corp. | Method and system for mediating transactions that use portable smart cards |
| US7231068B2 (en) * | 1998-06-19 | 2007-06-12 | Solidus Networks, Inc. | Electronic transaction verification system |
| US7197477B2 (en) * | 2002-02-27 | 2007-03-27 | Walgreen Co. | System for selling subscriptions to periodicals using subscription giftcards |
| GB0901589D0 (en) * | 2009-01-30 | 2009-03-11 | Omar Ralph M | Improvements relating to multifunction authentication systems |
| CN102609876B (en) * | 2012-02-14 | 2017-02-08 | 张铁网 | System and method for processing consumption credit investigation information |
-
2012
- 2012-02-14 CN CN201210032420.9A patent/CN102609876B/en not_active Expired - Fee Related
- 2012-08-30 WO PCT/CN2012/080777 patent/WO2013120345A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1967584A (en) * | 2005-11-18 | 2007-05-23 | 吴超竑 | Auditing method for personal consumption credit |
| CN101329795A (en) * | 2008-07-31 | 2008-12-24 | 中国工商银行股份有限公司 | System and method for implementing bank card agent authorization |
| CN102194177A (en) * | 2011-05-13 | 2011-09-21 | 南京柯富锐软件科技有限公司 | System for risk control over online payment |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2013120345A1 (en) | 2013-08-22 |
| CN102609876A (en) | 2012-07-25 |
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