CN104123658A - Network loan purchase system and platform based on purchase plan and deposit plan - Google Patents
Network loan purchase system and platform based on purchase plan and deposit plan Download PDFInfo
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- CN104123658A CN104123658A CN201410363482.7A CN201410363482A CN104123658A CN 104123658 A CN104123658 A CN 104123658A CN 201410363482 A CN201410363482 A CN 201410363482A CN 104123658 A CN104123658 A CN 104123658A
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Abstract
The invention relates to the field of e-commerce, and specifically relates to a network loan purchase system and platform based on a purchase plan and a deposit plan. The system comprises a registration module, an information module, a purchase plan module, a deposit plan module, a loan module and a trade module, wherein the registration module is used for creating a purchaser account containing the purchaser information and a seller account containing the seller information; the information module is used for creating a master account that acquires and counts all purchaser accounts; the purchase plan module is used for setting a purchase plan template; the deposit plan module is used for generating a deposit plan according to the input purchase plan parameters and storing corresponding deposit money according to the deposit plan; the loan module is used for generating load demand information according to the input purchase plan parameters; the trade module is used for trading with the purchaser account and the seller account through the network according to the loan purchase implementation plan. With adoption of the system and platform, the popularization cost of the network purchase platform can be decreased, and the access burden of a server and the occupancy rate of a network broadband can be reduced; in addition, blind trade can be reduced, and the safety and benefit of network trade can be raised.
Description
Technical field
The present invention relates to e-commerce field, be specifically related to a kind of loan purchase system of the network based on purchase plan and Christmas club and platform.
Background technology
Ecommerce refers in internet (Internet), intranet (Intranet) and value-added network (VAN, Value Added Network) above electronic transaction mode is carried out the activity of transaction and related service, is electronization, the networking of the each link of conventional commercial activity.Wherein, the Online Shopping system that ecommerce comprises and platform, because minimizing bargain link, raising trading efficiency form as important mode of doing business, obtain applying more and more widely.Along with the high speed development of ecommerce, Online Shopping system and platform are also combined with the industry such as finance, logistics and manufacture, drive economic development and improve people and live.
Existing Online Shopping system peace stylobate is originally the management mode of continuing to use traditional emporium, mainly introduces seller and binding seller sales promotion, relies on mass advertising popularization, waits for the passive logging in network platform of buyer and transaction.Existing Online Shopping system and platform technical scheme, lack the guiding function of financial service, lack the machine-processed measure that impels buyer initiatively to participate in, lack specific aim, transparent purchase object, buy cost and the machine-processed measure such as conclude the business, easily there is the blindly bad phenomenon such as sales promotion and the spur-of-the-moment blindness purchase of buyer of the blindly popularization of Online Shopping platform, seller, and easily cause the problems such as unhelpful server access amount increases, the increase of network broadband occupancy.In addition, existing Online Shopping system and platform lack the measure of corresponding transaction security mechanism, make the transaction security of both parties relatively low.
Summary of the invention
Object of the present invention provides a kind of loan purchase system of the network based on purchase plan and Christmas club and platform, solve the bad phenomenon such as the blindly popularization of Online Shopping system of the prior art and platform, seller's blindness sales promotion and the spur-of-the-moment blindness purchase of buyer more, unhelpful server access amount increases, network broadband occupancy increases, and Online Shopping system and platform lack the problems such as respective transaction security mechanism measure.The technical scheme that the present invention solves the problems of the technologies described above is as follows: a kind of loan of the network based on purchase plan and Christmas club purchase system, comprise,
Registering modules, for setting up the buyer's account that comprises Bidder Information, also for setting up the seller's account that comprises seller's information;
Information module, for setting up total account, all buyer's accounts are obtained and added up to described total account, and described total account is to seller's account and the open authority that reads of the third party financial institution that financial service is provided;
Purchase plan module, for arranging purchase plan template; Also for inputting purchase object information, and according to the purchase object information of input, generate the purchase executive plan with purchase plan parameter;
Christmas club module, for generating Christmas club according to the purchase plan parameter of buying executive plan, and deposits corresponding deposit fund in by Christmas club;
Loan module, for generating demand for loan information according to the purchase plan parameter of buying executive plan, also issue loan fund information according to Christmas club and/or demand for loan information to buyer's account for described third party financial institution, and generate loan and buy executive plan;
Transaction modules, carries out network trading for buyer's account and seller's account according to loan purchase executive plan.
On the basis of technique scheme, the present invention can also do following improvement:
Further, in described buyer's account, be provided with personal information, described personal information comprises name, ID (identity number) card No. or legal person's license number, address and communication number, and the personal information of described buyer's account is not obtained by total account; In described purchase plan module, be also provided with and buy consultant unit, for having after the purchase executive plan of purchase plan parameter in generation, obtain purchase plan parameter, buy consultancy advice according to default purchase consultant database feedback, purchase plan module is adjusted purchase executive plan according to purchase plan and purchase consultancy advice;
Further, described purchase object information comprises pricing information and the loan limit information of purchase object, and described system also comprises purchase information module, and described seller's account produces by described purchase information module and issues and buy favor information to buyer's account;
Further, described buyer's account receives buys favor information, and described purchase favor information comprises favourable price information and the loan limit information of purchase object, and generates purchase object information, then according to purchase object Information generation purchase plan parameter; Described purchase plan parameter comprises purchase object, purchase object price, deposit amount, minimum balance amount, deposit rate, deposit date, loan limit, floor loan amount, loan date, loan interest rate, refund amount, minimum refund amount and payback period, and these parameters are with to be arranged at parameter options in purchase plan template corresponding;
Further, described purchase information module is also for adjusting purchase favor information according to the deposit fund having deposited in and/or loan fund; Described loan module is also also adjusted deposit rate and/or loan interest rate according to the deposit fund depositing in and/or loan fund for described third party financial institution, also for third party financial institution according to the deposit fund having deposited in and/or buy favor information adjustment loan fund;
Further, described information module also generates statistical information according to buyer's accounts information, and the open statistical information of described buyer's account is checked to authority; Described statistical information comprises purchase plan quantity and buyer's quantity thereof of purchase object, and buyer's quantity of this purchase object of network trading;
Further, described Christmas club comprises purchase object, purchase object price, deposit amount, minimum balance amount, deposit rate and deposit date; Described demand for loan information comprises purchase object, purchase object price, loan limit, floor loan amount, loan date, loan interest rate, refund amount, minimum refund amount and payback period;
Further, also comprise, buy right-safeguarding module, the problem producing for boot process process of exchange or dispute;
Buy diary module, for recording the purchase evaluation after Online Shopping transaction with word and/or figure sheet mode or buying diary;
Buy reward module, for purchase integrating system is provided;
Further, connectivity port, internet, is connected to described network loan purchase system for buyer, buyer and third party financial institution by this connectivity port.
The present invention also provides a kind of loan of the network based on purchase plan and Christmas club to buy platform, comprise function application server, management server, data server and front-end platform, described function application server is for arranging the function of the loan of the network based on purchase plan and the Christmas club purchase system described in claim 1 to 8; The data that described data server produces for storing the described network loan purchase system based on purchase plan and Christmas club; Described management server manages the data of storing in the function in function server and data server; Described front-end platform is used to function application server and/or management server that interface is provided, and function application server and/or management server are connected with buyer's account, seller's account and third party financial institution.
Further, described front-end platform comprises for buyer and described network loan buys the mutual buyer's platform interface of platform, buy the mutual seller's platform interface of platform for seller and described network loan, and buy the mutual third party financial institution platform interface of platform for third party financial institution and described network loan.
The invention has the beneficial effects as follows: the present invention had both reduced the blindly high cost investment such as popularization and the blindly sales promotion of seller of Online Shopping platform, reduce again unhelpful server access amount, network broadband occupancy, the spur-of-the-moment blindness transaction of buyer can also be effectively avoided, and security and the benefit of network trading can be improved.Specifically, purchase plan module, Christmas club module, information module and loan module are set, make buyer before real trade, there is sufficiently long time formulation purchase plan and accumulation purchase fund, and purchase fund is deposited in to the corresponding account of total account under interest on deposit and payment cipher ownership buyer's prerequisite.During this time, in order to obtain loan on favourable terms and preferential purchase, buyer's meeting active and targetedly logging in network loan are bought platform, and the advertising input that this had both reduced network loan purchase platform, reduces again server access amount, network broadband occupancy; Make seller can predict in advance purchase object, transaction cost and the gathering security of transaction, can provide purchase favor information pointedly, thereby increase efficiency and the income of transaction; Make third party financial institution can predict in advance purchase object, amount deposited, the amount of the loan and the repayment schedule of deposit and loan, the demand for loan information such as preferential interest deposit and loan interest rate, loan limit, the length of maturity, refund amount and payback period be can provide pointedly, thereby security and the benefit of financial service increased.
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Brief description of the drawings
Fig. 1 is the loan of the network based on purchase plan and Christmas club purchase system structural representation in the present invention;
Fig. 2 is that in the present invention, the loan of the network based on purchase plan and Christmas club purchase system is implemented illustration;
Fig. 3 is another enforcement illustration of the loan of the network based on purchase plan and Christmas club purchase system in the present invention;
Fig. 4 is that in the present invention, the loan of the network based on purchase plan and Christmas club is bought platform structure schematic diagram.
In accompanying drawing, the parts of each label representative are as follows:
01, data server, 011, Data Management Unit, 012, data collection and analysis unit, 013, data storage cell, 02, function server, 021, purchase plan unit, 022, Christmas club unit, 023, loan unit, 024, transaction unit, 025, unit after transaction, 03, management server, 031, buyer's administrative unit, 032, third party financial institution administrative unit, 033, seller's administrative unit, 034, trade management unit, 04, front-end platform, 041, buyer's platform interface, 042, seller's platform interface, 043, third party financial institution interface, 05, buyer, 06, seller, 07, third party financial institution, 08, internet, 11, purchase plan module, 111, buy consultant unit, 12, Christmas club module, 13, loan module, 14, transaction modules, 15, buy information module, 16, Registering modules, 17, buy right-safeguarding module, 18, buy diary module, 19, buy reward module, 20, information module.
Embodiment
Below in conjunction with accompanying drawing, principle of the present invention and feature are described, example, only for explaining the present invention, is not intended to limit scope of the present invention.
Fig. 1 is the loan of the network based on purchase plan and Christmas club purchase system structural representation in the present invention, comprises,
Registering modules 16, for setting up the buyer's account that comprises Bidder Information, also for setting up the seller's account that comprises seller's information;
Buy information module 15, described seller's account produces by described purchase information module and issues and buy favor information to buyer's account;
Information module 20, for setting up total account, all buyer's accounts are obtained and added up to described total account, and described total account is to seller's account and the open authority that reads of the third party financial institution that financial service is provided;
Purchase plan module 11, for arranging purchase plan template; Also for inputting purchase object information, and according to the purchase object information of input, generate the purchase executive plan with purchase plan parameter;
Christmas club module 12, for generating Christmas club according to the purchase plan parameter of buying executive plan, and deposits corresponding deposit fund in by Christmas club;
Loan module 13, for generating demand for loan information according to the purchase plan parameter of buying executive plan, also issue loan fund information according to Christmas club and/or demand for loan information to buyer's account for described third party financial institution, and generate loan and buy executive plan;
Transaction modules 14, carries out network trading for buyer's account and seller's account according to loan purchase executive plan.
Described purchase object information comprises pricing information and the loan limit information of purchase object, and described system also;
Described seller not only can provide barter by described system, as the barter such as household electrical appliances and clothes, can also provide service transacting, as educational training and outdoor travel etc.In like manner, buyer also can realize network loan by described system and buy corresponding material object, also can buy respective service by network loan; In described buyer's account, be provided with personal information, described personal information comprises name, ID (identity number) card No. or legal person's license number, address and communication number, and the personal information of described buyer's account is not obtained by total account; In described purchase plan module, be also provided with and buy consultant unit 111, for having after the purchase executive plan of purchase plan parameter in generation, obtain purchase plan parameter, buy consultancy advice according to default purchase consultant database feedback, purchase plan module is adjusted purchase executive plan according to purchase plan and purchase consultancy advice.
Described buyer's account receives buys favor information, and described purchase favor information comprises favourable price information and the loan limit information of purchase object, and generates purchase object information, then according to purchase object Information generation purchase plan parameter; Described purchase plan parameter comprises purchase object, purchase object price, deposit amount, minimum balance amount, deposit rate, deposit date, loan limit, floor loan amount, loan date, loan interest rate, refund amount, minimum refund amount and payback period, and these parameters are with to be arranged at parameter options in purchase plan template corresponding;
Described seller, in the time of registration seller account, first needs to reach an agreement with network loan purchase system, and then registers for the Registering modules that seller provides according to network loan purchase system, completes registration and can issue purchase favor information afterwards.
Described purchase information module is also for adjusting purchase favor information according to the deposit fund having deposited in and/or loan fund; Described loan module is also also adjusted deposit rate and/or loan interest rate according to the deposit fund depositing in and/or loan fund for described third party financial institution, also for third party financial institution according to the deposit fund having deposited in and/or buy favor information adjustment loan fund;
Described information module also generates statistical information according to buyer's accounts information, and the open statistical information of described buyer's account is checked to authority, and described statistical information comprises buyer's quantity of purchase object and bought buyer's ratio of this purchase object.Be that buyer can certain part purchase object obtains current purchase and wish is bought the sum of this purchase object by inquiring about, and bought buyer's quantity of this purchase object, and can check the purchase diary of the open authority of buyer's issue of having bought this purchase object.Described statistical information also comprises the Seller Number of purchase object and seller's ratio of this purchase object of having concluded the business; Described statistical information is included as purchase object offer a loan the third party financial institution quantity of fund and the shared transaction cost ratio of the fund of offering a loan.
Described purchase executive plan comprises according to the purchase object price of buying in favor information, described purchase object price forms with loan fund by depositing fund, and described Christmas club comprises purchase object, purchase object price, deposit amount, minimum balance amount, deposit rate and deposit date; Described demand for loan information comprises purchase object, purchase object price, loan limit, floor loan amount, loan date, loan interest rate, refund amount, minimum refund amount and payback period.
Also comprise and buy right-safeguarding module 17, the problem producing for boot process process of exchange or dispute;
Buy diary module 18, for purchase evaluation or purchase diary with after word and/or the transaction of figure sheet mode record, and can be to the purchase diary setting privacy authority of this picture and/or mode word record, comprise open reading authority and only read authority for individual, buy evaluation and be defaulted as open reading authority, also can be set to only supply buyer's reading authority;
Buy reward module 19, for purchase integrating system is provided;
Connectivity port, internet, is connected to described network loan purchase system for buyer, buyer and third party financial institution by this connectivity port.
In above-mentioned module, buy right-safeguarding module 17 and be specially, complaint and processing when transaction goes wrong, and suggestion after treatment is fed back.
The purchase integrating system of buying reward module 19 is specially, logging in network reward points is set, buys executive plan reward points, buys and deposit reward points, purchase-transaction reward points, buy the reward points of providing a loan, buy repaying reward points and buy right-safeguarding processing reward points etc., and complimentary awards or the award in kind etc. of corresponding integration are set.
Fig. 2 is the enforcement illustration of the loan of the network based on purchase plan and Christmas club purchase system in the present invention, comprises the following steps,
Step S02, for arranging purchase plan template; Also for inputting purchase object information, and according to the purchase object information of input, generate the purchase executive plan with purchase plan parameter;
Step S03, Christmas club module generates Christmas club and/or demand for loan information according to the plan parameters of buying in executive plan, and the corresponding account that buyer buys to network loan total account that platform and third party financial institution cooperate to set up by Christmas club deposits corresponding deposit fund in;
Step S04, third party financial institution, by loan module, provides the loan fund corresponding with depositing fund according to Christmas club and/or demand for loan information, and generates loan purchase executive plan;
Step S05, buys executive plan according to loan and concludes the business, and pays seller account by the deposit fund of coupling.
The third party financial institution of indication comprises bank, securities broker company, insurance company, trust and investment corporation and fund management company etc.The function of third party financial institution, is first to receive buyer deposit, and buyer deposits purchase fund network loan in and buy the corresponding account of total account that platform and third party financial institution cooperate to set up; Next is to offer a loan to buyer; Pay the bill to seller for buyer besides.
In described step S02, have in generation after the purchase executive plan of purchase plan parameter, obtain purchase plan parameter, buy consultancy advice according to default purchase consultant database feedback, purchase plan module is adjusted purchase executive plan according to purchase plan and purchase consultancy advice;
Before described step S02, also comprise and be registered as member, receive network loan and buy the purchase favor information that the seller of platform provides, generate purchase plan parameter according to buying favor information; Described Christmas club comprises purchase object, deposit amount and deposit time limit, and described demand for loan information comprises purchase object, loan interest rate, loan limit, the length of maturity, refund amount and payback period;
The generation that described loan is bought executive plan comprises purchase executive plan, and the demand for loan information of third party financial institution issue and the loan fund of confirmation.In the time concluding the business according to loan purchase executive plan, first buyer deposits purchase fund network loan in and buys the corresponding account of the total account that platform and third party financial institution cooperate to set up according to Christmas club, if depositing fund in reaches and buys while depositing fund in executive plan, add the loan fund that third party financial institution confirms, conclude the business; If buying the plan of only having money on deposit in the purchase executive plan in executive plan, loan during without demand for loan information, when buyer's deposit reaches purchase object price, can conclude the business; If while only having demand for loan information in the purchase executive plan in loan purchase executive plan, be now that loan in full is bought, pay the corresponding fund of purchase object price by third party financial institution, conclude the business, loan part was refunded according to refund amount and payback period in demand for loan information.
No matter be loan part or refund part, all can carry out account binding Automatic Loan or refund.If buyer deposits purchase fund the corresponding account of total account in and can meet purchase plan parameter, the binding Automatic Loan of buyer's account or refund system remain valid; If buyer deposits purchase fund the corresponding account of total account in and can not meet purchase plan parameter, the binding Automatic Loan of buyer's account or refund system stop automatically.
In described step S04, also comprise third party financial institution according to the deposit fund having deposited in and/or buy favor information adjustment loan fund, also comprise according to the deposit fund that deposited in and/or loan fund and adjusts and buy favor information, described third party financial institution is also according to deposit fund and/or loan fund adjustment deposit rate and/or loan interest rate.
Described third party financial institution not only can adjust deposit rate and/or loan interest rate according to actual market, can also be in the time that deposit fund be lower, and suitably improve deposit rate and promote deposit; Higher or while being about to reach the deposit amount in Christmas club at deposit fund, can suitably improve deposit rate and accelerate to reach the speed of deposit amount; Or in the time that the amount of needs loans is higher, can reduces certain loan interest rate and promote the carrying out of transaction.When improving or reducing deposit rate and/or loan interest rate, on the one hand according to the amount that deposits deposit fund and loan fund in, on the other hand also according to the deposit rate of actual market and loan interest rate.
Fig. 3 is another enforcement illustration of the loan of the network based on purchase plan and Christmas club purchase system in the present invention, increases step S00 on the basis of Fig. 1, is registered as member in front-end platform;
Step S01, receives the purchase favor information that seller provides.
And going out purchase plan according to the purchase object pricing practice of buying in favor information, the suggestion providing according to purchase consultant generates purchase executive plan.
Wherein step S30, seller registers in front-end platform;
Step S31, issues and buys favor information;
Step S32, obtains buyer's purchase executive plan, and feeds back to issue purchase favor information.
Wherein step S40, third party financial institution obtains the deposit fund of buying favor information and/or having deposited in;
Step S41, according to the information adjustment loan of step S40;
After in above-mentioned steps, third party financial institution obtains and has analyzed, according to the deposit fund that does not reach plan having deposited in, the loan of the adjustable height 30-100% of third party financial institution is to supply shortcoming fund, wherein, while heightening to 100% loan, only limit to obtain at that time the buyer of higher reward points; Buying favor information and demand for loan information all can suitably adjust by the deposit fund of buying executive plan and deposited in, as the margin of preference increases 5-70%, and buy favor information and demand for loan information and also all can analyze by buying executive plan the purchase number of wish transaction, thereby further adjust favor information and the demand for loan information bought.
Fig. 4 is that in the present invention, the loan of the network based on purchase plan and Christmas club is bought platform structure schematic diagram, comprise function application server 02, management server 03, data server 01 and front-end platform 04, and being connected respectively to buyer 05, seller 06 and the third party financial institution 07 of described front-end platform 04, described function application server 02 is for arranging the function of the described loan of the network based on purchase plan and Christmas club purchase system; The data that described data server 01 produces for storing the described network loan purchase system based on purchase plan and Christmas club; Described management server 03 manages the data of storing in the function in function server and data server; Described front-end platform 04 is used to function application server and/or management server that interface is provided, and the seller who makes function application server 02 and/or management server 03 buy platform with buyer, network loan is connected with third party financial institution.
Wherein said data server 01 comprises the unit such as Data Management Unit 011, data collection and analysis unit 012 and data storage cell 013, respectively the data of buying the unit generations such as executive plan unit, Christmas club unit is managed, is gathered and store.
Function application server 02, comprises purchase plan unit 021, for formulating and buy executive plan according to purchase object information by buyer, and according to buying consultant's information adjustment and obtaining final purchase executive plan; Christmas club unit 022 is for generating Christmas club by buyer according to the plan parameters of described purchase executive plan, and deposits in and deposit accordingly fund in by Christmas club; Loan unit 023 for by third party financial institution according to purchase plan and Christmas club, provide the loan fund corresponding with the deposit fund depositing in to carry out Online Shopping transaction; Transaction unit 024 is for being concluded the business according to buying executive plan by buyer; Other unit 025 are for being completed by buyer as bought right-safeguarding, buy diary and buying the functions such as award.
Management server 03, comprise buyer's administrative unit 031, third party financial institution administrative unit 032, seller's administrative unit 033, trade management unit 034, the corresponding functional unit in said units difference management function application server 02 and the platform interface in front-end platform 04.
Front-end platform 04, comprises buyer's platform interface 041, seller's platform interface 042, third party financial institution interface 043, the interface of the corresponding functional unit in above-mentioned interface difference Presentation Function application server 02 and management server 03.
System of the present invention is connected to internet 08, and described buyer, buyer and third party financial institution access system of the present invention or platform by internet 08.Network loan is bought platform specific implementation process: 1, sign in to the default loan limit in third party financial institution interface 043 and loan interest by third party financial institution 07, as bank and fund management company etc. buy on platform according to purchase plan and Christmas club and purchase cost and set loan limit and loan interest rate at network loan, for example loan limit is to buy the 30-100% of cost, or buy cost according to difference and carry out differentiation setting, when approximately settled deposit fund part completes, add loan fund on Online Shopping platform, conclude the business; 2, sign in to seller's platform interface 042 by seller and set purchase favor information, default issue bought favor information; 3, sign in to buyer's platform interface 041 by buyer, select purchase object according to buying favor information, and formulate purchase plan taking purchase object price as foundation at buyer's platform interface 041, wherein, by the interior purchase consultant unit 101 of establishing, this purchase plan is fed back, and generate purchase executive plan, to buy executive plan as foundation formulation Christmas club; Buy on platform at network loan, buyer and seller are according to the deposit fund depositing in and conclude the business in conjunction with loan limit.
In above-mentioned steps 3 processes, third party financial institution can obtain the data of buying executive plan and deposit fund, can modify to loan limit according to the part or all of deposit fund having deposited in, its amendment amplitude is generally 30-100%, thereby can reach purchase cost in conjunction with the deposit fund having deposited in, thereby impel transaction to be carried out, also can again adjust loan limit according to buying favor information; Seller can adjust buying favor information by obtaining the data of buying executive plan and depositing fund, as increase the margin of preference, reduce purchase object price, to impel transaction to be carried out, also can again adjust buying favor information according to the loan limit of current purchase.
After transaction, the performed function in unit is specially, and comprises and buys right-safeguarding, purchase diary and buy and reward three aspects:.First be the purchase right-safeguarding module 17 in purchase system, be specially, be provided with the trading rules that buyer, seller and third party financial institution observe jointly.In the time that transaction goes wrong, buyer buys platform to network loan and appeals, and buys platform process in conjunction with the problem between seller or third party financial institution and buyer by network loan; After issue handling completes, buyer carries out right-safeguarding and processes evaluation.
Next is the purchase diary module 18 in purchase system, be specially, after transaction completes, purchase evaluation after buyer concludes the business with word or figure sheet mode record, purchase evaluation after completing is carried out associated with information such as working as time purchase executive plan of transaction, Christmas club, purchase favor information and purchase right-safeguarding, also associated with right-safeguarding processing evaluation, buyer can true inquire about the various information that produce in once concluding the business.
The purchase reward module 19 in purchase system again, be specially, logging in network reward points is set, buys executive plan reward points, buys and deposit reward points, trade encouragement integration, buy loan reward points, buy repaying reward points and buy right-safeguarding processing reward points etc., and complimentary awards or in kind reward etc. of corresponding integration be set, buyer completes corresponding reward points event can obtain corresponding reward points, and exchanges complimentary awards or in kind award according to reward points.Conclude the business by buying executive plan when whether relating to, whether deposit or refund by Christmas club, can give higher reward points according to what buy that executive plan or Christmas club conclude the business, otherwise give lower reward points; Whether less complain and process when relating to purchase, and setting purchase-transaction volume grade, deposit or amount to pay grade, high-gradely giving higher reward points, inferior grade gives lower reward points.
This network loan purchase system and the purchase plan of platform and the mechanism of Christmas club are, first, buyer is by formulating purchase plan and Christmas club, before real trade, there is long enough selection of time purchase object and accumulation purchase fund, both help buyer and realize good buying, and impel initiatively logging in network loan purchase platform of buyer; The second, buyer is according to purchase plan and Christmas club and purchase plan parameter, and corresponding account from total account that platform and third party financial institution cooperate to set up to network loan that buy deposits purchase fund in; The 3rd, purchase plan and Christmas club that third party financial institution formulates according to buyer, and the data such as the deposit fund depositing in by Christmas club, the demand for loan information such as loan interest rate, loan limit, the length of maturity, refund amount and payback period that provide that can be pointed, and generate loan purchase executive plan; The 4th, seller buys executive plan according to buyer's purchase plan and Christmas club and loan, can be pointed provide purchase favor information, thereby impel buyer to conclude the business; The 5th, buyer obtains the loan of third party financial institution with depositing fund in by Christmas club in the time concluding the business, thereby can expand purchasing power.
The financial service function that this network loan is bought the third party financial institution of platform is, first, accept buyer's deposit: in order to obtain loan on favourable terms, especially enjoying bank interest, buyer's control account password and can freely shift under the condition of deposit, the corresponding account that buyer can be on one's own initiative buys to network loan total account that platform and third party financial institution cooperate to set up deposits fund in; If buyer deposits fund in and can meet purchase plan parameter, the binding Automatic Loan of buyer's account or refund system remain valid, otherwise binding Automatic Loan or refund system stop automatically, thereby guiding buyer can deposit fund according to purchase plan parameter.Second, provide a loan to buyer: purchase plan and Christmas club that third party financial institution formulates according to buyer, and deposit the data such as fund in by Christmas club, can be pointed provide the demand for loan information such as purchase object, loan interest rate, loan limit, the length of maturity, refund amount and payback period, and generate loan and buy executive plan.The 3rd, pay the bill to seller for buyer: according to buying after executive plan template agrees to loan, buyer's coupling deposit fund can not transfer payment in third party financial institution, but given the seller of corresponding purchase object by third party financial institution for buyer's liquidation expenses are to be paid,as a matter of priority; Third party financial institution, after buyer acknowledges receipt of purchase object, pays out loan and coupling deposit fund to seller.
The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any amendment of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (10)
1. the loan of the network based on a purchase plan and Christmas club purchase system, is characterized in that: comprises,
Registering modules, for setting up the buyer's account that comprises Bidder Information, also for setting up the seller's account that comprises seller's information;
Information module, for setting up total account, all buyer's accounts are obtained and added up to described total account, and described total account is to seller's account and the open authority that reads of the third party financial institution that financial service is provided;
Purchase plan module, for purchase plan template is set, also for inputting purchase object information, and has the purchase executive plan of purchase plan parameter according to the purchase object Information generation of input;
Christmas club module, for generating Christmas club according to the purchase plan parameter of buying executive plan, and deposits corresponding deposit fund in by Christmas club;
Loan module, for generating demand for loan information according to the purchase plan parameter of buying executive plan, also issue loan fund information according to Christmas club and/or demand for loan information to buyer's account for described third party financial institution, and generate loan and buy executive plan;
Transaction modules, carries out network trading for buyer's account and seller's account according to loan purchase executive plan.
2. a kind of loan of the network based on purchase plan and Christmas club purchase system according to claim 1, it is characterized in that: in described buyer's account, be provided with personal information, described personal information comprises name, ID (identity number) card No. or legal person's license number, address and communication number, and the personal information of described buyer's account is not obtained by total account; In described purchase plan module, be also provided with and buy consultant unit, for having after the purchase executive plan of purchase plan parameter in generation, buy consultancy advice according to default purchase consultant database feedback, purchase plan module is adjusted purchase executive plan according to purchase plan and purchase consultancy advice.
3. a kind of loan of the network based on purchase plan and Christmas club purchase system according to claim 1, it is characterized in that: described purchase object information comprises purchase object pricing information and loan limit information, described system also comprises purchase information module, and described seller's account produces by described purchase information module and issues and buy favor information to buyer's account.
4. a kind of loan of the network based on purchase plan and Christmas club purchase system according to claim 3, it is characterized in that: described buyer's account receives buys favor information, described purchase favor information comprises favourable price information and the loan limit information of purchase object, and generate purchase object information, then according to purchase object Information generation purchase plan parameter; Described purchase plan parameter comprises purchase object, purchase object price, deposit amount, minimum balance amount, deposit rate, deposit date, loan limit, floor loan amount, loan date, loan interest rate, refund amount, minimum refund amount and payback period, and these parameters are with to be arranged at parameter options in purchase plan template corresponding.
5. a kind of loan of the network based on purchase plan and Christmas club purchase system according to claim 3, is characterized in that: described purchase information module is also for adjusting purchase favor information according to the deposit fund having deposited in and/or loan fund; Described loan module is also also adjusted deposit rate and/or loan interest rate according to the deposit fund depositing in and/or loan fund for described third party financial institution, also for third party financial institution according to the deposit fund having deposited in and/or buy favor information adjustment loan fund.
6. a kind of loan of the network based on purchase plan and Christmas club purchase system according to claim 1, is characterized in that: described information module also generates statistical information according to buyer's accounts information, and the open statistical information of described buyer's account is checked to authority; Described statistical information comprises purchase plan quantity and buyer's quantity thereof of purchase object, and buyer's quantity of this purchase object of network trading.
7. a kind of loan of the network based on purchase plan and Christmas club purchase system according to claim 1, is characterized in that: described Christmas club comprises purchase object, purchase object price, deposit amount, minimum balance amount, deposit rate and deposit date; Described demand for loan information comprises purchase object, purchase object price, loan limit, floor loan amount, loan date, loan interest rate, refund amount, minimum refund amount and payback period.
8. a kind of loan of the network based on purchase plan and Christmas club purchase system according to claim 1, is characterized in that: also comprises,
Buy right-safeguarding module, the problem producing for boot process process of exchange or dispute;
Buy diary module, for recording the purchase evaluation after Online Shopping transaction with word and/or figure sheet mode or buying diary;
Buy reward module, for purchase integrating system is provided;
Connectivity port, internet, is connected to described network loan purchase system for buyer, buyer and third party financial institution by this connectivity port.
9. the loan of the network based on purchase plan and Christmas club is bought platform, it is characterized in that: comprise function application server, management server, data server and front-end platform, described function application server is for arranging the function of the loan of the network based on purchase plan and the Christmas club purchase system described in claim 1 to 8; The data that described data server produces for storing the described network loan purchase system based on purchase plan and Christmas club; Described management server manages the data of storing in the function in function server and data server; Described front-end platform is used to function application server and/or management server that interface is provided, and function application server and/or management server are connected with buyer's account, seller's account and third party financial institution.
10. a kind of loan of the network based on purchase plan and Christmas club according to claim 9 is bought platform, it is characterized in that: described front-end platform comprises for buyer and described network loan buys the mutual buyer's platform interface of platform, buy the mutual seller's platform interface of platform for seller and described network loan, and buy the mutual third party financial institution platform interface of platform for third party financial institution and described network loan.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201410363482.7A CN104123658A (en) | 2014-07-29 | 2014-07-29 | Network loan purchase system and platform based on purchase plan and deposit plan |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410363482.7A CN104123658A (en) | 2014-07-29 | 2014-07-29 | Network loan purchase system and platform based on purchase plan and deposit plan |
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| CN104123658A true CN104123658A (en) | 2014-10-29 |
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| CN201410363482.7A Pending CN104123658A (en) | 2014-07-29 | 2014-07-29 | Network loan purchase system and platform based on purchase plan and deposit plan |
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