CN105787795A - Internet financial service platform system - Google Patents

Internet financial service platform system Download PDF

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Publication number
CN105787795A
CN105787795A CN201610287200.9A CN201610287200A CN105787795A CN 105787795 A CN105787795 A CN 105787795A CN 201610287200 A CN201610287200 A CN 201610287200A CN 105787795 A CN105787795 A CN 105787795A
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China
Prior art keywords
module
financial service
trade company
internet financial
homepage
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
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CN201610287200.9A
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Chinese (zh)
Inventor
董延春
柯志敏
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Beijing Catarongjiesheng Network Technology Co Ltd
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Beijing Catarongjiesheng Network Technology Co Ltd
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Priority to CN201610287200.9A priority Critical patent/CN105787795A/en
Publication of CN105787795A publication Critical patent/CN105787795A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention relates to an internet financial service platform system comprising a server which is provided with a registration module, a merchant login module, a member login module and an administrator login module. The beneficial effects of the internet financial service platform system are that the internet financial service platform system which is convenient to use and secure and reliable is provided.

Description

A kind of the Internet financial service plateform system
Technical field
The present invention relates to a kind of the Internet financial service plateform system.
Background technology
Flourish along with the Internet financial industry, it is necessary to the sensitive keys data of protection get more and more, and the safety of local area network is had higher requirement.How to solve the problem from Cyberthreat, become each need implement network safety system user it is first necessary to consider solve problem.
Settlement mode between airline and agent mainly has two kinds: a kind of is settled accounts by the CASS settlement mode of world boat association, and one is to be undertaken by clearing form under the direct line of airlines and airline agents people.
The first is international boat association CASS system.The CASS system of international boat association is that international boat association is for convenience of carrying out the clearing service system that selling operation is set up between Duo Jia airline and many agents.CASS settles accounts the unified point account of employing of system, the unified mode paid.In a Ge Zhangqinei airline, bill being first distributed to CASS, CASS carry out bill rearrangement according to agent and issue corresponding agent, payment of freight is paid Ge Jia airline again by agent to CASS, CASS.Under this kind of pattern, airline does not directly settle accounts freight charges, cash flow and flow of information not with agent, and airline's freight charges are collected needs within 30-45 days, could arrive account, and both sides excessively rely on CASS system.
Additionally, airline's accounts receivable is devised risk control mode for CASS, namely it is provided with the modes such as the access threshold that agent is higher, and cash pledge, mortgage, guarantee so that agent commences business needs higher fund cost.CASS does not provide financing services for agent.
The second is carrier's Receiving.Carrier's Receiving is the mode settled accounts under direct line between tradition airlines and airline agents people.Airline, according to agreement, regularly sends bill by the mode such as mail, letter to agent.Agent, after receiving bill confirmation, adopts the mode of remittance under line to pay carrier.It is fast that these pattern airline freight charges steam again speed, but agent is more numerous and diverse to Ge Jia airline payment procedure.The risk of receivable account of airline controls to adopt the mode collecting cash pledge, and agent's occupation of capital is big, and larger agent is difficult to adopt which to settle accounts with airline.
At present, Third-party payment company on market, as domestic Alipay (under Alibaba), wealth pay logical (company of Tengxun, Tengxun pats), state pays treasured (Gopay), easily precious pays (Yeepay), fast money (99bill), hundred pairs of treasured (Baidu C2C), Neteases precious (under Netease) etc., external PayPal etc..But, no matter which kind of payment platform or payment mode, all there is alloting and managing of third party's fund.Under this pattern, interested third party mechanism collects fund by opening the system of account of himself at associated mechanisms such as banks, paying party needs first oneself to be imported the system of account of the third-party institution, Third-party payment carries out point account by the bill system of self and processes, then by the system of account of self by payment funding to beneficiary.By this kind of pattern, the third-party institution can collect substantial amounts of fund and form substantial contribution precipitation.Additionally, except complete cash flow and flow of information can be matched by third party in this kind of pattern, other relevant party all cannot accomplish mating of cash flow and flow of information, and this is just for Fund Supervision and safe bring great hidden danger.It addition, the trust carrying out place one's entire reliance upon at present user's credit for the third-party institution self and strength of this pattern.But owing to mode development is at the early-stage, himself do not form perfect a risk prevention mechanism and relevant supporting management system, once a certain link of this mechanism itself goes wrong, on the impact of whole system by inestimable.Under this pattern, the third-party institution can collect substantial amounts of Financial capital by new model, traditional mode not only brings market, the impact of client's shunting aspect and challenge, has more directly influenced the running of traditional mode either directly through the concentration of fund.Finally, this kind of pattern of the third-party institution can actually utilize the technological means of the Internet to bring the convenient of capital management aspect and facility for user, but it is more to provide the facility of payment and settlement aspect at present, convenient relative deficiency in financing etc., also it is not enough to replace the status of traditional mode, also without the interconnection networking that capital management aspect is fully achieved.
Summary of the invention
In view of the above-mentioned problems in the prior art, present invention is primarily targeted at the defect solving prior art, the present invention provides a kind of easy to use and safe and reliable the Internet financial service plateform system.
The invention provides a kind of the Internet financial service plateform system, including server, described server is provided with Registering modules, trade company's log-in module, Member Entrance module and manager's log-in module, wherein:
Described Registering modules includes Merchants register module, member registration module and backstage Registering modules;
Described trade company log-in module includes trade company's homepage module, member's module, transaction modules and the module that forgets Password, described trade company homepage module includes supplementing module with money, module of withdrawing deposit, amendment binding account module, fund change module, check and accept and auditing module, channel module and Modify password module, and described member's module includes adding module, enquiry module and Member Name module;
Described Member Entrance module includes member's homepage module, account setup module, trades record module, order center module, financing center's module and member's homepage module;
Described manager's log-in module includes manager's homepage module, merchant module, transaction modules, basic setup module, permission configuration module.
Optionally, described member's homepage module include supplementing module with money, module of withdrawing deposit, payment module and financing management module.
Optionally, described account setup module includes security centre's module, trade company's management module and bank's card management module.
Optionally, described member's homepage module includes forget Password module, Help Center's module and feedback module.
Optionally, described manager's homepage module include merchant information module, trade company's auditing module, channel information module, bank information module and the same day up-to-date transaction modules.
Optionally, described merchant module includes adding module, name of firm module, trade company's channel quantity module, trade company audits modified module, trade company member quantity module and member freezes, account fund synchronization module.
Optionally, described transaction modules includes transaction List Table module, reconciliation abnormal module, system journal module, reconciliation log pattern, reconciliation flowing water module and transaction message module.
Optionally, described substrate arranges module channel management module, fee management module and bank management module.
Optionally, described priority assignation module include role arrange module, user setup module and suggestion management module.
The present invention has the following advantages and beneficial effect: the present invention provides a kind of the Internet financial service plateform system, this the Internet financial service plateform system serves the transaction funds clearing of all kinds of transaction agents of supply chain upstream and downstream, virtual or commercial circle, entity market and logistics, integrate the funds sources such as bank, insurance, P2P, rely on big data to set up bank, insurance equivalent risk controls system, helps corporate client to obtain fiduciary loan on the line such as bank, P2P in normal business process;This system solves the problem that all multiple enterprises can not access banking system due to technical bottleneck or scale deficiency, solve again the predicament that business capital purposes, funds flow cannot be held by bank, by the Internet the small enterprise of same type condensed together and solve scale issue, by cutting the day with bank, the mechanism such as reconciliation, ensure that the Transaction Information of corporate client is accurately and safety;This Internet financial integration service platform is by conformity of business operation stream, flow of information and cash flow for corporate client, the contact between traditional bank, business entity has been got through by the Internet, drive its upstream and downstream by core enterprise, construct brand-new netted the Internet financial eco-environment circle.
Accompanying drawing explanation
Fig. 1 is the theory diagram of the Internet financial service plateform system of the present invention.
Detailed description of the invention
For making the purpose of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is a part of embodiment of the present invention, rather than whole embodiments.Generally can with various different configurations arrange and design with the assembly of the embodiment of the present invention that illustrate described in accompanying drawing herein.Therefore, below the detailed description of the embodiments of the invention provided in the accompanying drawings is not intended to limit claimed the scope of the present invention, but is merely representative of the selected embodiment of the present invention.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain under not making creative work premise, broadly fall into the scope of protection of the invention.
In describing the invention, it should be noted that, orientation or the position relationship of the instruction such as term " " center ", " on ", D score, "left", "right", " vertically ", " level ", " interior ", " outward " be based on orientation shown in the drawings or position relationship; be for only for ease of the description present invention and simplifying and describe; rather than instruction or imply indication device or element must have specific orientation, with specific azimuth configuration and operation, be therefore not considered as limiting the invention.Additionally, term " first ", " second ", " the 3rd " are only for descriptive purposes, and it is not intended that indicate or hint relative importance.
In describing the invention, in addition it is also necessary to explanation, unless otherwise clearly defined and limited, term " setting ", " installation ", " being connected ", " connection " should be interpreted broadly, for instance, it is possible to it is fixing connection, can also be removably connect, or connect integratedly;Can be mechanically connected, it is also possible to be electrical connection;Can be joined directly together, it is also possible to be indirectly connected to by intermediary, it is possible to be the connection of two element internals.For the ordinary skill in the art, it is possible to understand above-mentioned term concrete meaning in the present invention as the case may be.
The present invention is further illustrated with specific embodiment below with reference to accompanying drawings.
As shown in Figure 1: a kind of the Internet financial service plateform system of the embodiment of the present invention, including server, described server is provided with Registering modules, trade company's log-in module, Member Entrance module and manager's log-in module, wherein:
Described Registering modules includes Merchants register module, member registration module and backstage Registering modules;
Described trade company log-in module includes trade company's homepage module, member's module, transaction modules and the module that forgets Password, described trade company homepage module includes supplementing module with money, module of withdrawing deposit, amendment binding account module, fund change module, check and accept and auditing module, channel module and Modify password module, and described member's module includes adding module, enquiry module and Member Name module;
Described Member Entrance module includes member's homepage module, account setup module, trades record module, order center module, financing center's module and member's homepage module;
Described manager's log-in module includes manager's homepage module, merchant module, transaction modules, basic setup module, permission configuration module.
As the preferred implementation of above-described embodiment, described member's homepage module includes supplementing module with money, module of withdrawing deposit, payment module and financing management module.
As the preferred implementation of above-described embodiment, described account setup module includes security centre's module, trade company's management module and bank's card management module.
As the preferred implementation of above-described embodiment, described member's homepage module includes forget Password module, Help Center's module and feedback module.
As the preferred implementation of above-described embodiment, described manager's homepage module include merchant information module, trade company's auditing module, channel information module, bank information module and the same day up-to-date transaction modules.
As the preferred implementation of above-described embodiment, described merchant module includes adding module, name of firm module, trade company's channel quantity module, trade company audits modified module, trade company member quantity module and member freezes, account fund synchronization module.
As the preferred implementation of above-described embodiment, described transaction modules includes transaction List Table module, reconciliation abnormal module, system journal module, reconciliation log pattern, reconciliation flowing water module and transaction message module.
As the preferred implementation of above-described embodiment, described substrate arranges module channel management module, fee management module and bank management module.
As the preferred implementation of above-described embodiment, described priority assignation module includes role and arranges module, user setup module and suggestion management module.
The embodiment of the present invention has the advantage that this Internet financial service plateform system serves the transaction funds clearing of all kinds of transaction agents of supply chain upstream and downstream, virtual or commercial circle, entity market and logistics, integrate the funds sources such as bank, insurance, P2P, rely on big data to set up bank, insurance equivalent risk controls system, helps corporate client to obtain fiduciary loan on the line such as bank, P2P in normal business process;This system solves the problem that all multiple enterprises can not access banking system due to technical bottleneck or scale deficiency, solve again the predicament that business capital purposes, funds flow cannot be held by bank, by the Internet the small enterprise of same type condensed together and solve scale issue, by cutting the day with bank, the mechanism such as reconciliation, ensure that the Transaction Information of corporate client is accurately and safety;This Internet financial integration service platform is by conformity of business operation stream, flow of information and cash flow for corporate client, the contact between traditional bank, business entity has been got through by the Internet, drive its upstream and downstream by core enterprise, construct brand-new netted the Internet financial eco-environment circle.
The Internet financial service plateform system that the embodiment of the present invention provides fully analyzes traditional mode with the advantage of novel third-party institution's pattern with not enough, develop the novel fund management model utilizing Internet technology and traditional mode cooperation in practice, be described as and really land " the Internet+finance " pattern implemented;By with the traditional mechanism cooperations such as bank, creationary propose by opening this mode of Fund Supervision account in bank, user can be made to pass through triumphant tower platform direct-connected with banking institution, fund is transmitted completely in the supervision account of bank, without third party's account, thus accomplishing that fund is mated with the timely of information completely;Compensate for the deficiency of traditional mode and third-party institution's pattern completely, be truly realized the interconnection networking of Capital Flow;Its meaning is as follows:
First: for traditional mode such as bank etc., the business that a solves difficult problem electronic, informationalized, improve the competitiveness of bank, promote the traditional industries such as the bank Informatization Development to interconnection networking transition and industry.All the time, bank carries out electronization project all needs one one to stand, and consumes substantial amounts of cost, reduces efficiency.And the present invention is by building a platform, it is directly connected to bank and user two ends, it is only necessary to bank and user access triumphant tower platform, convenient and swift;
Second: the third-party institution has attracted substantial amounts of user to use by form of payment easily, has not only tapped fund, more summarize fund and directly can get a profit from traditional mode, extrude the vivosphere of traditional mode.The prompt logical platform that melts of Kai Ta adopts the pattern of the virtual supervision account of bank, does not touch user's fund completely, it is to avoid the interests loss of traditional mode;
3rd: this system operates under the supervision of bank completely, it is possible to accomplish mating completely of flow of information and cash flow, it is to avoid the risk that supervision is not enough, it is ensured that Cash Flow legitimate;
4th: owing to fund is deposited in the bank account system that user self opens completely, circulated, the safety of fund has reliable guarantee, enhances the confidence of user, reduces the financial risks of user;
5th: just because of mating completely of cash flow and flow of information, bank etc. is enable to have the traditional mechanism of powerful capital strength to grasp the information of user completely, add transparency information, can under sufficient information assists more efficiently provide the user the service such as financing, loan, facilitate both sides;
6th: this system can also access the business platform of other novel mechanisms, by the information authority of the traditional mechanisms such as bank, provide information service for other novel mechanisms, widen the credit extending channel of user, reduce the finance costs of user;
7th: under the overall situation that economic situation slows down in current China, relevant auxiliary law policy is not perfect, Capital Flow difficulty has become the significant problem of debtor and creditor facing.Tracing it to its cause is exactly poor information, causes that both sides' risk increases.And above analyze it is seen that, the present invention can largely ensure the transparency information of debtor and creditor, so that the transaction cost of debtor and creditor declines, for promoting Capital Flow, it is achieved economy again develops and contributes.
Last it is noted that above-described each embodiment is merely to illustrate technical scheme, it is not intended to limit;Although the present invention being described in detail with reference to previous embodiment, it will be understood by those within the art that: the technical scheme described in previous embodiment still can be modified by it, or wherein part or all of technical characteristic is carried out equivalent replacement;And these amendments or replacement, do not make the essence of appropriate technical solution depart from the scope of various embodiments of the present invention technical scheme.

Claims (9)

1. a Internet financial service plateform system, it is characterised in that: include server, described server is provided with Registering modules, trade company's log-in module, Member Entrance module and manager's log-in module, wherein:
Described Registering modules includes Merchants register module, member registration module and backstage Registering modules;
Described trade company log-in module includes trade company's homepage module, member's module, transaction modules and the module that forgets Password, described trade company homepage module includes supplementing module with money, module of withdrawing deposit, amendment binding account module, fund change module, check and accept and auditing module, channel module and Modify password module, and described member's module includes adding module, enquiry module and Member Name module;
Described Member Entrance module includes member's homepage module, account setup module, trades record module, order center module, financing center's module and member's homepage module;
Described manager's log-in module includes manager's homepage module, merchant module, transaction modules, basic setup module, permission configuration module.
2. the Internet financial service plateform system according to claim 1, it is characterised in that: described member's homepage module includes supplementing module with money, module of withdrawing deposit, payment module and financing management module.
3. the Internet financial service plateform system according to claim 1, it is characterised in that: described account setup module includes security centre's module, trade company's management module and bank's card management module.
4. the Internet financial service plateform system according to claim 1, it is characterised in that: described member's homepage module includes forget Password module, Help Center's module and feedback module.
5. the Internet financial service plateform system according to claim 1, it is characterised in that: described manager's homepage module include merchant information module, trade company's auditing module, channel information module, bank information module and the same day up-to-date transaction modules.
6. the Internet financial service plateform system according to claim 1, it is characterised in that: described merchant module includes adding module, name of firm module, trade company's channel quantity module, trade company's examination & verification modified module, trade company member quantity module and member freezes, account fund synchronization module.
7. the Internet financial service plateform system according to claim 1, it is characterised in that: described transaction modules includes transaction List Table module, reconciliation abnormal module, system journal module, reconciliation log pattern, reconciliation flowing water module and transaction message module.
8. the Internet financial service plateform system according to claim 1, it is characterised in that: described substrate arranges module channel management module, fee management module and bank management module.
9. the Internet financial service plateform system according to claim 1, it is characterised in that: described priority assignation module includes role and arranges module, user setup module and suggestion management module.
CN201610287200.9A 2016-05-03 2016-05-03 Internet financial service platform system Pending CN105787795A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107657426A (en) * 2017-09-20 2018-02-02 北京五八到家信息技术有限公司 A kind of online settlement system of server's wage and settlement method
CN108764628A (en) * 2018-04-20 2018-11-06 杭州量聚网络科技有限公司 A kind of popularization businessman's total management system
CN109146674A (en) * 2018-09-20 2019-01-04 新疆玖富万卡信息技术有限公司 A kind of method and system of Dynamic Matching loaning bill platform fund
CN109493232A (en) * 2018-09-10 2019-03-19 合肥科讯金服科技有限公司 Distributed financial service infrastructure platform

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Publication number Priority date Publication date Assignee Title
CN101344947A (en) * 2007-07-10 2009-01-14 蒋建河 Deposit and debit separated on-line financing method and system
CN101436289A (en) * 2007-11-12 2009-05-20 廖彦凯 On-line financing method and system
CN204948116U (en) * 2015-09-28 2016-01-06 上海银行股份有限公司 A kind of financial service plateform system of internet security
CN105469302A (en) * 2015-12-09 2016-04-06 上海信联商贸发展有限公司 Internet of things annular smart financial service system and method
CN105512891A (en) * 2015-12-11 2016-04-20 常州众筹电子商务有限公司 Control service platform and method

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101344947A (en) * 2007-07-10 2009-01-14 蒋建河 Deposit and debit separated on-line financing method and system
CN101436289A (en) * 2007-11-12 2009-05-20 廖彦凯 On-line financing method and system
CN204948116U (en) * 2015-09-28 2016-01-06 上海银行股份有限公司 A kind of financial service plateform system of internet security
CN105469302A (en) * 2015-12-09 2016-04-06 上海信联商贸发展有限公司 Internet of things annular smart financial service system and method
CN105512891A (en) * 2015-12-11 2016-04-20 常州众筹电子商务有限公司 Control service platform and method

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107657426A (en) * 2017-09-20 2018-02-02 北京五八到家信息技术有限公司 A kind of online settlement system of server's wage and settlement method
CN108764628A (en) * 2018-04-20 2018-11-06 杭州量聚网络科技有限公司 A kind of popularization businessman's total management system
CN109493232A (en) * 2018-09-10 2019-03-19 合肥科讯金服科技有限公司 Distributed financial service infrastructure platform
CN109146674A (en) * 2018-09-20 2019-01-04 新疆玖富万卡信息技术有限公司 A kind of method and system of Dynamic Matching loaning bill platform fund

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