CN105550889A - Intelligent business district finance management system based on internet of things - Google Patents
Intelligent business district finance management system based on internet of things Download PDFInfo
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Abstract
The invention provides an intelligent business district finance management system based on the internet of things. The intelligent business district finance management system comprises a customer credit evaluation system, a customer credit extension system, a membership card issuance system, a member point management system, a consumer payment system, a consumer financial planning service system, a merchant credit evaluation system, a merchant credit extension system, a merchant settlement system, a merchant financial planning service system, an information transmission system, a center processing system and a user terminal system. The intelligent business district finance management system has the advantages that consumers can better master and utilize credit resources, consumption resources and funds of the consumers; the consumers can rapidly adopt a proper payment mode to conduct transaction, the fund utilization rate is raised, and the transaction procedure is simplified; meanwhile, merchants can better master and utilize credit resources and fund resources of the merchants to increase fund utilization profits; safe and rapid transaction can be achieved through a mobile terminal such as a mobile phone.
Description
Technical field
The present invention relates to the Financial Management technical field based on mobile terminal and Internet of Things, particularly a kind of wisdom commercial circle banking management system based on Internet of Things.
Background technology
Along with the development of market economy, the consume activity of people is more and more active, and large-scale store has become the main place of people's shopping, and purchase transaction debt is paid day by day various, and capital management, the credit management problem of consumer and businessman are outstanding day by day.
How concluding the business rapid by these and to simplify, how to obtain more interests or to reduce more cost from these transaction and payment, be the emphasis of commercial management.
Along with internet is to the development of Internet of Things, for client and businessman fund, credit and systematization is carried out in receipt and payment and intelligent management provides possibility.
Summary of the invention
Technical matters to be solved by this invention is loaded down with trivial details for the fund of client and businessman, credit and receipt and payment and the problem of inefficiency, a kind of systematic approach based on Internet of Things is provided, to make client and businessman make good use of oneself fund, credit better, and perform receipt and payment work fast, reduce fund application cost, open speed and increase wealth.
For solving the problems of the technologies described above, the technical solution adopted in the present invention is a kind of wisdom commercial circle banking management system based on Internet of Things, comprises customer's credit evaluation system, client's credit system, member card publishing system, member's integral management system, customer payment system, client's treasury management services system, trade company's credit evaluation system, trade company's credit system, trade company's settlement system, trade company's treasury management services system, the information transmission system, central processing system and client terminal system.
Described customer's credit evaluation system comprises Customer Information acquisition module, customer's credit Capability surveys module, customer's credit behavior investigation module, customer consumption profile module and customer's credit evaluation module; Described Customer Information acquisition module is for gathering the identity information of client; Described customer's credit Capability surveys module is for investigating income and the property status of client; Customer's credit behavior investigation module uses and reputation situation for investigating client's credit in the past; Described customer consumption profile module is for recording consumption frequency and the spending limit situation of client; Described customer's credit evaluation module is used for carrying out credit appraisal to the client registered in commercial circle.
Described client's credit system comprises customer's credit credit module, customer's credit behaviortrace module, customer's credit behavior reminding module; Described customer's credit credit module is used for giving the accrediting amount of client in commercial circle according to credit evaluation module; Customer's credit behaviortrace module is followed the trail of its behavior after being used for producing behavior of credit to client and is judged whether it meets credit request; Described customer's credit behavior reminding module is used for reminding client to fulfil credit program in advance on time.
Described member card publishing system comprises jointly IC module and jointly deposit card module; Described jointly IC module is used for issuing to client member the jointly credit card that commercial circle and bank's cooperation issue; Described jointly deposit card is used for issuing to client member the jointly deposit card that commercial circle and bank's cooperation issue.
Described member's integral management system comprises total mark of consumption module, supplements integration module with money, recommends integration module, invites integration module, integration task module; Described total mark of consumption module is for adjusting and determining that client member is because consuming the integration produced; Described integration module of supplementing with money is for adjusting and determining that client member is because supplementing produced integration with money; Described recommendation integration module is for adjusting and determining the integration that client member produces because of recommendation behavior or recommendation effect; Described invitation integration module is for adjusting and determining that client member is because of the behavior of inviting other clients or the integration therefore creating effect and produce; Described integration task module is for adjusting and determining that client member is because completing consumption task or recommendation, invitation task and the integration produced.
Described customer payment system comprises module of paying in cash, pos machine/Unionpay's payment module, stored value card swipe the card payment module, Alipay payment module, micro-letter payment module, the deduction of card volume payment module, stored value card payment module, credit payment module, integration payment module; The sales promotion card certificate of accumulation at ordinary times or consumption are returned certificate for the treatment of client and are converted to the amount of money required when certain values is done shopping in order to offset by described card volume deduction payment module; Store and bank are appraised and decided the credit line of authorizing for the treatment of client and are carried out shopping by described credit payment module jointly; The integration of accumulation at ordinary times is converted to certain values in order to the amount of money needed for offset shopping for the treatment of client by described integration payment module.
Described client's treasury management services system comprises consumer credit planning module, consumption bill pays by instalments module, client manages money matters planning module, client's fund manages money matters module automatically; Described consumer credit planning module is used for based on credit appraisal for client plans consumptive credit scheme; Consumption bill monthly payment plan module is for the treatment of the monthly payment plan bill of customer consumption; Client manages money matters planning module for providing financing programme for client; Client's fund manages money matters module automatically for automatically carrying out managing money matters namely buying financial product according to financing planning after the fund of client is reached reserve quota.
Described trade company credit evaluation system comprises merchant information acquisition module, trade company's credit facility inquiry module, trade company's behavior of credit inquiry module and trade company's credit evaluation module; Described merchant information acquisition module is for the situation information of the identity information and retail shop that gather trade company; Described trade company credit facility inquiry module is for investigating the scale of trade company, direction, cash flow and property status; Described trade company behavior of credit inquiry module uses and reputation situation for investigating trade company's credit in the past; Described trade company credit evaluation module is used for carrying out credit appraisal to trade company.
Described trade company credit system comprises trade company's credit extension loan module, trade company's behavior of credit tracing module and trade company's behavior of credit reminding module; Described trade company credit extension loan module is used for trade company's direct loan within the scope of credit; Described trade company behavior of credit tracing module is followed the trail of its behavior after being used for producing behavior of credit to trade company and is judged whether it meets credit request; Trade company's behavior of credit reminding module is used for reminding trade company to fulfil credit program in advance on time.
Described trade company settlement system comprises trade company's capital settlement module, trade company's sales promotion subsidy settlement module, retail shop's integration settlement module, stored value card consumption settlement module, clearing execution module; Described trade company capital settlement module is used for settling accounts the daily fund of trade company; Described trade company sales promotion subsidy settlement module is used for settling accounts the sales promotion subsidy of trade company; The integration that described trade company integration settlement module produces for trade company for client is adjusted; Described stored value card consumption settlement module is used for client produces stored value card consumption clearing for trade company; Described clearing execution module confirms for the treatment of settlement process, clearing key and clearing.
Described trade company treasury management services system comprises commerce credits planning module, automatically unloading module, trade company manages money matters planning module, trade company's fund manages money matters module automatically; Described commerce credits planning module is used for based on trade company's credit appraisal for trade company plans commercial credit scheme; The automatic unloading module of described income is used for the income of trade company in real time stored in bank; Described trade company financing planning module is used for providing financing programme for trade company; Described trade company fund manages money matters module automatically for automatically carrying out managing money matters namely buying financial product according to financing planning after the fund of trade company is reached reserve quota.
The described information transmission system includes spider lines, wireless network and router, cable network, wireless network and router are connected into transmission line, for central processing system and customer's credit evaluation system, client's credit system, member card publishing system, member's integral management system, customer payment system, client's treasury management services system, trade company's credit evaluation system, trade company's credit system, trade company's settlement system, trade company's treasury management services system, client terminal system being interconnected, realize message exchange.
Described central processing system is used for carrying out analyzing and processing to the information that customer's credit evaluation system, client's credit system, member card publishing system, member's integral management system, customer payment system, client's treasury management services system, trade company's credit evaluation system, trade company's credit system, trade company's settlement system, trade company's treasury management services system and client terminal system send, then send processing command, realize Financial Management.
Described client terminal system comprises intelligent mobile terminal, touch screen terminal and computer terminal, for display, login, sends and receives relevant information; Described user refers to consumer, trade company, commercial circle supvr.
Further, wisdom commercial circle banking management system also comprises Security Login System, and described Security Login System comprises identity information acquisition module, two-dimensional code generation module, Quick Response Code center sending module, Quick Response Code terminal receiver module, Quick Response Code terminal sending module, Quick Response Code receive centre module and Quick Response Code identification module; Described identity information acquisition module is used for user terminal and gathers the finger print information of user, ID (identity number) card information and client code information; Described two-dimensional code generation module is used for user terminal to be sent to the finger print information of central processing system, ID (identity number) card information and client code information and binds mutually, then by the identity information generation Quick Response Code of central processing system in conjunction with self, this Quick Response Code is used for user and logs in wisdom commercial circle banking management system and carry out identification by wisdom commercial circle banking management system to user; The Quick Response Code that described Quick Response Code center sending module is generated for central processing system sends to user terminal; Described Quick Response Code terminal receiver module is used for user terminal and receives and store the Quick Response Code be sent to by central processing system; Described Quick Response Code terminal sending module is used for user terminal and sends to central processing system to log in the Quick Response Code of storage; Described Quick Response Code receive centre module is used for the Quick Response Code for logging in that central processing system receives user terminal transmission; Described Quick Response Code identification module is used for the Quick Response Code that sends of central processing system identification user terminal and determines whether to allow to log in.
The invention has the beneficial effects as follows credit resources, consumption resources and the fund that client can be made to grasp and utilize oneself better; And making client take the modes of payments be applicable to conclude the business fast, utilization factor of providing with funds, simplifies transaction flow; Also trade company can be made to grasp and make good use of oneself credit resources, fund resources raising fund utilization benefit better simultaneously; And realize safety by mobile terminal as mobile phone and conclude the business fast.
Accompanying drawing explanation
Fig. 1 is the general structure schematic diagram of each various parts in the present invention.
Fig. 2 is each component distribution structural representation of Security Login System in the present invention.
Embodiment
Below in conjunction with embodiment, the invention will be further described, and following examples are intended to the present invention instead of limitation of the invention further are described, should not limit the scope of the invention with this.
Embodiment 1.
As shown in the figure, lay a kind of wisdom commercial circle banking management system based on Internet of Things, comprise customer's credit evaluation system 1, client's credit system 2, member card publishing system 3, member's integral management system 4, customer payment system 5, client's treasury management services system 6, trade company's credit evaluation system 7, trade company's credit system 8, trade company's settlement system 9, trade company's treasury management services system 10, the information transmission system 11, central processing system 12 and client terminal system 13.
Described customer's credit evaluation system 1 comprises Customer Information acquisition module, customer's credit Capability surveys module, customer's credit behavior investigation module, customer consumption profile module and customer's credit evaluation module; Described Customer Information acquisition module is for gathering the identity information of client; Described customer's credit Capability surveys module is for investigating income and the property status of client; Customer's credit behavior investigation module uses and reputation situation for investigating client's credit in the past; Described customer consumption profile module is for recording consumption frequency and the spending limit situation of client; Described customer's credit evaluation module is used for carrying out credit appraisal to the client registered in commercial circle.
Described client's credit system 2 comprises customer's credit credit module, customer's credit behaviortrace module, customer's credit behavior reminding module; Described customer's credit credit module is used for giving the accrediting amount of client in commercial circle according to credit evaluation module; Customer's credit behaviortrace module is followed the trail of its behavior after being used for producing behavior of credit to client and is judged whether it meets credit request; Described customer's credit behavior reminding module is used for reminding client to fulfil credit program in advance on time.
Described member card publishing system 3 comprises jointly IC module and jointly deposit card module; Described jointly IC module is used for issuing to client member the jointly credit card that commercial circle and bank's cooperation issue; Described jointly deposit card is used for issuing to client member the jointly deposit card that commercial circle and bank's cooperation issue.
Described member's integral management system 4 comprises total mark of consumption module, supplements integration module with money, recommends integration module, invites integration module, integration task module; Described total mark of consumption module is for adjusting and determining that client member is because consuming the integration produced; Described integration module of supplementing with money is for adjusting and determining that client member is because supplementing produced integration with money; Described recommendation integration module is for adjusting and determining the integration that client member produces because of recommendation behavior or recommendation effect; Described invitation integration module is for adjusting and determining that client member is because of the behavior of inviting other clients or the integration therefore creating effect and produce; Described integration task module is for adjusting and determining that client member is because completing consumption task or recommendation, invitation task and the integration produced.
Described customer payment system 5 comprises module of paying in cash, pos machine/Unionpay's payment module, stored value card swipe the card payment module, Alipay payment module, micro-letter payment module, the deduction of card volume payment module, stored value card payment module, credit payment module, integration payment module; The sales promotion card certificate of accumulation at ordinary times or consumption are returned certificate for the treatment of client and are converted to the amount of money required when certain values is done shopping in order to offset by described card volume deduction payment module; Store and bank are appraised and decided the credit line of authorizing for the treatment of client and are carried out shopping by described credit payment module jointly; The integration of accumulation at ordinary times is converted to certain values in order to the amount of money needed for offset shopping for the treatment of client by described integration payment module.
Described client's treasury management services system 6 comprises consumer credit planning module, consumption bill pays by instalments module, client manages money matters planning module, client's fund manages money matters module automatically; Described consumer credit planning module is used for based on credit appraisal for client plans consumptive credit scheme; Consumption bill monthly payment plan module is for the treatment of the monthly payment plan bill of customer consumption; Client manages money matters planning module for providing financing programme for client; Client's fund manages money matters module automatically for automatically carrying out managing money matters namely buying financial product according to financing planning after the fund of client is reached reserve quota.
Described trade company credit evaluation system 7 comprises merchant information acquisition module, trade company's credit facility inquiry module, trade company's behavior of credit inquiry module and trade company's credit evaluation module; Described merchant information acquisition module is for the situation information of the identity information and retail shop that gather trade company; Described trade company credit facility inquiry module is for investigating the scale of trade company, direction, cash flow and property status; Described trade company behavior of credit inquiry module uses and reputation situation for investigating trade company's credit in the past; Described trade company credit evaluation module is used for carrying out credit appraisal to trade company.
Described trade company credit system 8 comprises trade company's credit extension loan module, trade company's behavior of credit tracing module and trade company's behavior of credit reminding module; Described trade company credit extension loan module is used for trade company's direct loan within the scope of credit; Described trade company behavior of credit tracing module is followed the trail of its behavior after being used for producing behavior of credit to trade company and is judged whether it meets credit request; Trade company's behavior of credit reminding module is used for reminding trade company to fulfil credit program in advance on time.
Described trade company settlement system 9 comprises trade company's capital settlement module, trade company's sales promotion subsidy settlement module, retail shop's integration settlement module, stored value card consumption settlement module, clearing execution module; Described trade company capital settlement module is used for settling accounts the daily fund of trade company; Described trade company sales promotion subsidy settlement module is used for settling accounts the sales promotion subsidy of trade company; The integration that described trade company integration settlement module produces for trade company for client is adjusted; Described stored value card consumption settlement module is used for client produces stored value card consumption clearing for trade company; Described clearing execution module confirms for the treatment of settlement process, clearing key and clearing.
Described trade company treasury management services system 10 comprises commerce credits planning module, automatically unloading module, trade company manages money matters planning module, trade company's fund manages money matters module automatically; Described commerce credits planning module is used for based on trade company's credit appraisal for trade company plans commercial credit scheme; The automatic unloading module of described income is used for the income of trade company in real time stored in bank; Described trade company financing planning module is used for providing financing programme for trade company; Described trade company fund manages money matters module automatically for automatically carrying out managing money matters namely buying financial product according to financing planning after the fund of trade company is reached reserve quota.
The described information transmission system 11 includes spider lines, wireless network and router, cable network, wireless network and router are connected into transmission line, for central processing system and customer's credit evaluation system, client's credit system, member card publishing system, member's integral management system, customer payment system, client's treasury management services system, trade company's credit evaluation system, trade company's credit system, trade company's settlement system, trade company's treasury management services system, terminal system being interconnected, realize message exchange;
Described central processing system 13 carries out analyzing and processing for the information of sending customer's credit evaluation system, client's credit system, member card publishing system, member's integral management system, customer payment system, client's treasury management services system, trade company's credit evaluation system, trade company's credit system, trade company's settlement system, trade company's treasury management services system and terminal system, then send processing command, realize Financial Management.This completes a kind of laying of the wisdom commercial circle banking management system based on Internet of Things.
Described terminal system 13 comprises intelligent mobile terminal as smart mobile phone or panel computer, touch screen terminal and computer terminal, for display, login, sends and receives relevant information; Described user refers to consumer, trade company, commercial circle supvr.
Embodiment 2.
Further, on the basis of embodiment 1, wisdom commercial circle banking management system also arranges Security Login System, and described Security Login System comprises identity information acquisition module 101, two-dimensional code generation module 201, Quick Response Code center sending module 202, Quick Response Code terminal receiver module 102, Quick Response Code terminal sending module 103, Quick Response Code receive centre module 203 and Quick Response Code identification module 204; Described identity information acquisition module 101 gathers the finger print information of user, ID (identity number) card information and client code information for user terminal; Described two-dimensional code generation module 201 is bound mutually for user terminal being sent to the finger print information of central processing system, ID (identity number) card information and client code information, then by the identity information generation Quick Response Code of central processing system in conjunction with self, this Quick Response Code is used for user and logs in wisdom commercial circle banking management system and carry out identification by wisdom commercial circle banking management system to user; The Quick Response Code that described Quick Response Code center sending module 202 is generated for central processing system sends to user terminal; Described Quick Response Code terminal receives mould 102 pieces and receives for user terminal and store the Quick Response Code be sent to by central processing system; The Quick Response Code of storage sends to central processing system to log in for user terminal by described Quick Response Code terminal sending module 103; Described Quick Response Code receive centre module 203 receives the Quick Response Code for logging in of user terminal transmission for central processing system; The Quick Response Code that described Quick Response Code identification module 204 sends for central processing system identification user terminal also determines whether to allow to log in.
Claims (5)
1., based on a wisdom commercial circle banking management system for Internet of Things, it is characterized in that comprising customer's credit evaluation system (1), client's credit system (2), member card publishing system (3), member's integral management system (4), customer payment system (5), client's treasury management services system (6), trade company's credit evaluation system (7), trade company's credit system (8), trade company's settlement system (9), trade company's treasury management services system (10), the information transmission system (11), central processing system (12) and client terminal system (13).
2., according to the wisdom commercial circle banking management system of claim 1 based on Internet of Things, it is characterized in that described customer's credit evaluation system (1) comprises Customer Information acquisition module, customer's credit Capability surveys module, customer's credit behavior investigation module, customer consumption profile module and customer's credit evaluation module; Described Customer Information acquisition module is for gathering the identity information of client; Described customer's credit Capability surveys module is for investigating income and the property status of client; Customer's credit behavior investigation module uses and reputation situation for investigating client's credit in the past; Described customer consumption profile module is for recording consumption frequency and the spending limit situation of client; Described customer's credit evaluation module is used for carrying out credit appraisal to the client registered in commercial circle;
Described client's credit system (2) comprises customer's credit credit module, customer's credit behaviortrace module, customer's credit behavior reminding module; Described customer's credit credit module is used for giving the accrediting amount of client in commercial circle according to credit evaluation module; Customer's credit behaviortrace module is followed the trail of its behavior after being used for producing behavior of credit to client and is judged whether it meets credit request; Described customer's credit behavior reminding module is used for reminding client to fulfil credit program in advance on time;
Described member card publishing system (3) comprises jointly IC module and jointly deposit card module; Described jointly IC module is used for issuing to client member the jointly credit card that commercial circle and bank's cooperation issue; Described jointly deposit card is used for issuing to client member the jointly deposit card that commercial circle and bank's cooperation issue;
Described member's integral management system (4) comprises total mark of consumption module, supplements integration module with money, recommends integration module, invites integration module, integration task module; Described total mark of consumption module is for adjusting and determining that client member is because consuming the integration produced; Described integration module of supplementing with money is for adjusting and determining that client member is because supplementing produced integration with money; Described recommendation integration module is for adjusting and determining the integration that client member produces because of recommendation behavior or recommendation effect; Described invitation integration module is for adjusting and determining that client member is because of the behavior of inviting other clients or the integration therefore creating effect and produce; Described integration task module is for adjusting and determining that client member is because completing consumption task or recommendation, invitation task and the integration produced;
Described customer payment system (5) comprises module of paying in cash, pos machine/Unionpay's payment module, stored value card swipe the card payment module, Alipay payment module, micro-letter payment module, the deduction of card volume payment module, stored value card payment module, credit payment module, integration payment module; The sales promotion card certificate of accumulation at ordinary times or consumption are returned certificate for the treatment of client and are converted to the amount of money required when certain values is done shopping in order to offset by described card volume deduction payment module; Store and bank are appraised and decided the credit line of authorizing for the treatment of client and are carried out shopping by described credit payment module jointly; The integration of accumulation at ordinary times is converted to certain values in order to the amount of money needed for offset shopping for the treatment of client by described integration payment module;
Described client's treasury management services system (6) comprises consumer credit planning module, consumption bill pays by instalments module, client manages money matters planning module, client's fund manages money matters module automatically; Described consumer credit planning module is used for based on credit appraisal for client plans consumptive credit scheme; Consumption bill monthly payment plan module is for the treatment of the monthly payment plan bill of customer consumption; Client manages money matters planning module for providing financing programme for client; Client's fund manages money matters module automatically for automatically carrying out managing money matters namely buying financial product according to financing planning after the fund of client is reached reserve quota;
Described trade company credit evaluation system (7) comprises merchant information acquisition module, trade company's credit facility inquiry module, trade company's behavior of credit inquiry module and trade company's credit evaluation module; Described merchant information acquisition module is for the situation information of the identity information and retail shop that gather trade company; Described trade company credit facility inquiry module is for investigating the scale of trade company, direction, cash flow and property status; Described trade company behavior of credit inquiry module uses and reputation situation for investigating trade company's credit in the past; Described trade company credit evaluation module is used for carrying out credit appraisal to trade company;
Described trade company credit system (8) comprises trade company's credit extension loan module, trade company's behavior of credit tracing module and trade company's behavior of credit reminding module; Described trade company credit extension loan module is used for trade company's direct loan within the scope of credit; Described trade company behavior of credit tracing module is followed the trail of its behavior after being used for producing behavior of credit to trade company and is judged whether it meets credit request; Trade company's behavior of credit reminding module is used for reminding trade company to fulfil credit program in advance on time;
Described trade company settlement system (9) comprises trade company's capital settlement module, trade company's sales promotion subsidy settlement module, retail shop's integration settlement module, stored value card consumption settlement module, clearing execution module; Described trade company capital settlement module is used for settling accounts the daily fund of trade company; Described trade company sales promotion subsidy settlement module is used for settling accounts the sales promotion subsidy of trade company; The integration that described trade company integration settlement module produces for trade company for client is adjusted; Described stored value card consumption settlement module is used for client produces stored value card consumption clearing for trade company; Described clearing execution module confirms for the treatment of settlement process, clearing key and clearing;
Described trade company's treasury management services system (10) comprises commerce credits planning module, automatically unloading module, trade company manages money matters planning module, trade company's fund manages money matters module automatically; Described commerce credits planning module is used for based on trade company's credit appraisal for trade company plans commercial credit scheme; The automatic unloading module of described income is used for the income of trade company in real time stored in bank; Described trade company financing planning module is used for providing financing programme for trade company; Described trade company fund manages money matters module automatically for automatically carrying out managing money matters namely buying financial product according to financing planning after the fund of trade company is reached reserve quota.
3. according to the wisdom commercial circle banking management system of claim 2 based on Internet of Things, it is characterized in that the described information transmission system (11) includes spider lines, wireless network and router, by cable network, wireless network and router connect into transmission line, for by central processing system and customer's credit evaluation system, client's credit system, member card publishing system, member's integral management system, customer payment system, client's treasury management services system, trade company's credit evaluation system, trade company's credit system, trade company's settlement system, trade company's treasury management services system, client terminal system is interconnected, realize message exchange,
Described central processing system (12) carries out analyzing and processing for the information of sending customer's credit evaluation system, client's credit system, member card publishing system, member's integral management system, customer payment system, client's treasury management services system, trade company's credit evaluation system, trade company's credit system, trade company's settlement system, trade company's treasury management services system and client terminal system, then send processing command, realize Financial Management.
4. according to the wisdom commercial circle banking management system of claim 3 based on Internet of Things, it is characterized in that described client terminal system (13) comprises intelligent mobile terminal, touch screen terminal and computer terminal, for display, login, send and receive relevant information.
5. according to the wisdom commercial circle banking management system of claim 4 based on Internet of Things, characterized by further comprising Security Login System, described Security Login System comprises identity information acquisition module (101), two-dimensional code generation module (201), Quick Response Code center sending module (202), Quick Response Code terminal receiver module (102), Quick Response Code terminal sending module (103), Quick Response Code receive centre module (203) and Quick Response Code identification module (204); Described identity information acquisition module (101) gathers the finger print information of user, ID (identity number) card information and client code information for user terminal; Described two-dimensional code generation module (201) is bound mutually for user terminal being sent to the finger print information of central processing system, ID (identity number) card information and client code information, then by the identity information generation Quick Response Code of central processing system in conjunction with self, this Quick Response Code is used for user and logs in wisdom commercial circle banking management system and carry out identification by wisdom commercial circle banking management system to user; The Quick Response Code that described Quick Response Code center sending module (202) is generated for central processing system sends to user terminal; Described Quick Response Code terminal receiver module (102) receives for user terminal and stores the Quick Response Code be sent to by central processing system; The Quick Response Code of storage sends to central processing system to log in for user terminal by described Quick Response Code terminal sending module (103); Described Quick Response Code receive centre module (203) receives the Quick Response Code for logging in of user terminal transmission for central processing system; The Quick Response Code that described Quick Response Code identification module (204) is sent for central processing system identification user terminal also determines whether to allow to log in.
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| CN106485576A (en) * | 2016-10-24 | 2017-03-08 | 安徽百慕文化科技有限公司 | A kind of credit evaluation system of the commercial and transaction based on electronic third-party |
| CN106651434A (en) * | 2016-11-02 | 2017-05-10 | 苏州浦瑞融网络科技有限公司 | Membership financial service management system |
| CN109658073A (en) * | 2018-12-08 | 2019-04-19 | 天下共享科技有限公司 | It is a kind of to realize that commodity share preferential method and system based on internet |
| CN110020516A (en) * | 2019-04-10 | 2019-07-16 | 吴国兴 | Fast verification system under a kind of wealth protective tube lineation based on Internet of Things |
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