CN105761061A - Distributed point-to-point open account system realization method - Google Patents
Distributed point-to-point open account system realization method Download PDFInfo
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- CN105761061A CN105761061A CN201610053756.1A CN201610053756A CN105761061A CN 105761061 A CN105761061 A CN 105761061A CN 201610053756 A CN201610053756 A CN 201610053756A CN 105761061 A CN105761061 A CN 105761061A
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- General Business, Economics & Management (AREA)
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- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention discloses a distributed point-to-point open account system, which comprises a distributed system platform, an information acquisition and identity authentication system, a unified credit granting system and a point-to-point open account system, wherein the distributed system platform provides a network system platform and supports direct interconnection between users; the information acquisition and identity authentication system provides a convenient user information submission page and verifies authenticity of data of the system user; the unified credit granting system uses a unified credit granting standard to carry out credit granting on the system user passing the identity authentication and carries out unified management on a credit line; and the user of the point-to-point open account system can perform open account to any other users in a credit line range via the distributed system platform. A unified credit granting platform is provided for wide users, and a novel trading pattern for point-to-point open account according to needs is also provided.
Description
Technical field
Involved in the present invention buys on credit, and refers to and have purchased a kind of settlement of transactions mode that commodity (service) delay to receive, pay the bill afterwards.
The present invention relates to user obtain individual's credit on the internet and carry out the system of credit transaction, particularly to user point-to-point between carry out direct credit transaction, point-to-point between user buys on credit system, make each user both can buy commodity (service) to other users with open account terms within the scope of the accrediting amount and become debt side, it is also possible to provide buying on credit of commodity (service) to become credits side to other any users.
Background technology
In existing financial sector, domestic consumer is all carried out for main body by all of credit with financial institution, and collage-credit data is closed and do not opened to the outside world, and consumer directly dare not be bought on credit sale by common trade company in day-to-day operations.Bank releases after the credit card, by personal credit gradually be generalized to each consumer field, but the substantially consumer of this pattern borrow or lend money to the credit card issuer of the credit card, is not directly buy on credit between businessman and consumer, and its efficiency, scale and Discussing Convenience all have bigger restriction.
Development along with Internet technology, occur in that defer payment, the Internet financial product such as payable by installment, but its business model is consistent with the business model of conventional silver industry, user is made loans by platform by user's credit more afterwards, user can only buy on credit to platform, and the object of buying on credit not having other at this platform is available for user's selection.
Existing financial sector or the Internet financial platform all cannot accomplish to provide a standard and credit evaluation system easily, are available for again all registration users simultaneously and use this system directly to register users with other on platform freely to carry out the service of credit transaction.
Summary of the invention
In order to solve the problems referred to above, it is an object of the invention to utilize existing Internet technology to build a distributed system platform, registration user is carried out authentication and credit assessment by this platform unification.Unified evaluation system basis provide all registration users carry out point-to-point directly from by the platform bought on credit.
The distributed point-to-point system of buying on credit includes following function:
Distributed system platform, utilizes Internet technology to provide one and buys on credit system platform based on the Internet, for supporting the system of directly interconnection between system registry user.All registrations are with using this platform of internet access per family, and can apply for the registration of and become platform user.Platform provides a unified criterion for credit, makes all use can freely use this credit per family on platform.
Information gathering and authentication module: user can use Mobile portable equipment to pass through the Internet to submit to personal information online in system, and user needs only provide for less key message, such as information such as name, ID (identity number) card No., phone numbers.Provide the user with great convenience, also can complete credit by key message to user simultaneously.After the personal information that user submits to, personal information packing is submitted to certification authority to carry out real-name authentication by plateform system, if by certification, then this user profile can enter credit module and carries out credit calculating, if not authenticated, then in real time error message is fed back to user terminal.
Unified Authority module, the personal information that user submits to is by after real-name authentication, and the personal information of user will be analyzed calculating by system, and feeds back to user terminal during by the credit fructufy calculated.Credit will be carried out unified management by system, and all users are when function is bought on credit in use, and credit amount is all limited in the scope of this accrediting amount.Native system can improve user's credit information significantly, authenticate to the efficiency of credit.
Point-to-point system of buying on credit, after user obtains credit, it is possible to carry out credit transaction by system platform with other users.User can on platform the commodity (service) of other users of purchase on credit, it is also possible to providing commodity (service) to be bought by other users by open account terms, forming one can the system bought on credit mutually of point-to-point freedom.This distributed Point-to-Point system is by stages/product such as defer payment relative to traditional hubbed mode such as credit card, the Internet, it is possible to be obviously improved the trading efficiency and trading volume bought on credit in economic activity.
Accompanying drawing explanation
Fig. 1: point-to-point buy on credit detail flowchart
Step is 1.: user uses Mobile portable equipment login system, inputs personal information, at least includes the information such as name, ID (identity number) card No., phone number, and the system that is submitted to is verified；
Step is 2.: the identity information that user is submitted to is carried out authenticity verification by system, if checking does not pass through, then error message returns to user and submits information terminal to, resubmits after user's amendment；
Step is 3.: the identity information that user is submitted to is carried out authenticity verification by system, and if the verification passes, system will carry out the calculating of the accrediting amount according to the essential information of user, and result of calculation is fed back to user terminal；
Step is 4.: after user gets the accrediting amount, formally become system registry user, it is possible to other user's purchased merchandise on account (service) on platform, it is also possible to buy on credit service to what other users provided commodity (service)；
Step is 5.: user with customer identification within the scope of the accrediting amount, to businessman or other user's purchased merchandise on account (service)；
Step is 6.: businessman generates on the page after input goods amount at order, generates the Quick Response Code comprising this sequence information, after consumer logs in platform, uses the 2 D code information of the barcode scanning functionality scan businessman of platform, and after the information that confirms an order, this pen is bought on credit successfully；
Step is 7.: consumer can at the date of maturity before select at any time actively to refund to businessman, it is also possible to actively refunded again the same day at the date of maturity:
Step is 8.: user applies to become commodity (service) supplier, provides to other users and buys on credit service；
Step is 9.: commodity (service) supplier generates on the page after input goods amount at order, generate the Quick Response Code comprising this sequence information, after consumer logs in platform, use the 2 D code information of barcode scanning functionality scan commodity (service) supplier of platform, after the information that confirms an order, this pen is bought on credit successfully；
Step is 10.: consumer can select actively to refund to commodity (service) supplier at present at any time expiring, it is also possible to actively refund again on the same day at the date of maturity；
Detailed description of the invention
With lower part in conjunction with instantiation, the distributed point-to-point method that realizes buying on credit system involved in the present invention is described in more detail.Meanwhile, system involved in the present invention not only comprises mode listed by this example, it is possible to realize with any one mode comprised illustrated by claims.
Now bought on credit to other users by platform with domestic consumer (A), also provide the service of buying on credit to illustrate for example to other users simultaneously.
Certain user (A) enter the businessman originally buying on credit platform complete consumption after, want to use open account terms checkout, consumer-user can pass through Mobile portable equipment and enter the information submission page of native system, input personal mobile phone number, name, the information such as ID (identity number) card No., this consumer-user is carried out authentication by system, if identity information is wrong, then returning error message allows user revise, if authentication is passed through, system enters credit calculation procedure, system is according to subscriber identity information, carry out accrediting amount calculating, and in real time credit result is fed back to user terminal, this consumer-user can buy on credit consumption within the scope of this accrediting amount.
After businessman logs in this platform, after order generates and inputs consumer's real consumption amount of money on (for " buying (or sell) on credit brush " in present system) page, generate the Quick Response Code comprising this sequence information, after user (A) logs in platform, use the 2 D code information of the barcode scanning functionality scan businessman of platform, after the information that confirms an order, this pen is bought on credit successfully.After consumer buys on credit successful validation, details and the refund state of this order all login system can be checked by consumer and businessman.Consumer can at the date of maturity before select at any time actively to refund to businessman, it is also possible to actively refunded again the same day at the date of maturity.Before at the date of maturity, the notification module of system can send information alert user to consumer and refund in time.
This user (A) wants use to buy on credit clearing provides commodity (service) to other users, can apply to become commodity (service) supplier at platform, buys on credit service by providing to other users after auditing.Now user (B) buys commodity (service) to user (A), after user (A) login system on the generation page after input goods amount, generate the Quick Response Code comprising this sequence information, user (B) uses the 2 D code information of the barcode scanning functionality scan businessman of platform, after the information that confirms an order, this pen is bought on credit successfully.After buying on credit successful validation, both parties all login system can check the details of this order and refund state.User (B) can at the date of maturity before select at any time actively to refund to user (A), it is also possible to actively refunded again the same day at the date of maturity.Expiring at present, the notification module of system can send information alert to the side of buying on credit, and it is refunded in time.
Realize the distributed point-to-point business model bought on credit by the way.
Claims (5)
1. the present invention be a kind of distributed point-to-point buy on credit system realize method, this system includes；
Distributed system platform: utilize Internet technology to provide and buy on credit system platform on a Internet, for supporting the system of directly interconnection between system registry user；
Information gathering and authentication module: the identity information completing consumer is submitted to by the Internet for system verifies in real time, and in real time the result is fed back to consumer end；
Unified Authority module: utilize unified criterion for credit to carry out credit to by the user of authentication, and the accrediting amount is carried out unified management；
Point-to-point buy on credit module: can be bought on credit to arbitrarily other registration users within the scope of the accrediting amount by this platform for system registry user, buying on credit of commodity (service) can also be provided to other any users simultaneously.
2. buy on credit system as claimed in claim 1, comprise the following steps:
Step 1: user uses Mobile portable equipment to access the information gathering page of system, submits personal information to, including Real Name, identification card number, phone number etc.；
Step 2: the verity of the identity information that platform real-time verification user submits to；
Step 3: after subscriber authentication success, system calculates the accrediting amount of consumer in real time, and result is fed back to consumer end；
Step 4: user logs in use system and buys on credit function and carry out credit transaction:
The user providing commodity (service) inputs goods amount in systems and generates transaction Quick Response Code；
The user buying commodity (service) uses system scanning Quick Response Code to confirm credit transaction；
Step 5: after credit transaction comes into force, buy commodity (service) user this credit transaction expire forward direction provide commodity (service) user refund, this transaction completes.
3. buying on credit system as described in claim 1 to 2, its feature includes:
System of buying on credit only provides technology platform, supports the credit transaction between user；
User uses Mobile portable equipment to submit personal information to, it is possible to submit at any time, convenient and swift；
Subscriber authentication, credit calculate and all complete in real time, ageing high；
Point-to-point credit transaction between user, both buying on credit after commodity (service) transaction under Support Line, also buying on credit of concluding the business of commodity (service) on Support Line.
4. buying on credit system as described in claims 1 to 3, its feature includes:
Point-to-point system of buying on credit between user, each user both can buy commodity (service) to other users with open account terms within the scope of the accrediting amount, it is also possible to provides buying on credit of commodity (service) to other any users；
User can exist simultaneously as the supplier of the buyer of commodity (service) with commodity (service) on platform.
5. buying on credit system as described in Claims 1-4, its feature includes:
In point-to-point credit transaction between user, it is provided that the user of commodity (service) is credits side, it is thus achieved that these credits bought on credit；The user side buying commodity (service) is debt side, it is necessary to expire to credits side's payment for merchandise payment for goods (service fee)；
User can exist simultaneously as the identity of creditor and debtor on platform.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610053756.1A CN105761061A (en) | 2016-01-27 | 2016-01-27 | Distributed point-to-point open account system realization method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610053756.1A CN105761061A (en) | 2016-01-27 | 2016-01-27 | Distributed point-to-point open account system realization method |
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| CN105761061A true CN105761061A (en) | 2016-07-13 |
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| CN201610053756.1A Pending CN105761061A (en) | 2016-01-27 | 2016-01-27 | Distributed point-to-point open account system realization method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107909434A (en) * | 2017-11-14 | 2018-04-13 | 安徽阡陌网络科技有限公司 | A kind of means of agricultural production management platform based on internet SaaS patterns |
Citations (4)
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| US7107232B2 (en) * | 2000-02-16 | 2006-09-12 | Morris Robert A | Method and system for facilitating a sale |
| CN101122986A (en) * | 2006-08-08 | 2008-02-13 | 阿里巴巴公司 | Method and system for implementing debit and credit by network |
| CN101447052A (en) * | 2009-01-05 | 2009-06-03 | 阿里巴巴集团控股有限公司 | Online credit loan system of deferred payment/installment and online credit loan method |
| CN105741101A (en) * | 2016-01-21 | 2016-07-06 | 北京几币几网络科技有限公司 | Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment |
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2016
- 2016-01-27 CN CN201610053756.1A patent/CN105761061A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7107232B2 (en) * | 2000-02-16 | 2006-09-12 | Morris Robert A | Method and system for facilitating a sale |
| CN101122986A (en) * | 2006-08-08 | 2008-02-13 | 阿里巴巴公司 | Method and system for implementing debit and credit by network |
| CN101447052A (en) * | 2009-01-05 | 2009-06-03 | 阿里巴巴集团控股有限公司 | Online credit loan system of deferred payment/installment and online credit loan method |
| CN105741101A (en) * | 2016-01-21 | 2016-07-06 | 北京几币几网络科技有限公司 | Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107909434A (en) * | 2017-11-14 | 2018-04-13 | 安徽阡陌网络科技有限公司 | A kind of means of agricultural production management platform based on internet SaaS patterns |
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