CN106355494A - Consumption trust product operation management method and system - Google Patents
Consumption trust product operation management method and system Download PDFInfo
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- CN106355494A CN106355494A CN201610737172.6A CN201610737172A CN106355494A CN 106355494 A CN106355494 A CN 106355494A CN 201610737172 A CN201610737172 A CN 201610737172A CN 106355494 A CN106355494 A CN 106355494A
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Abstract
The invention provides a consumption trust product operation management method and system, including a management server and a trading server, the management server includes a memory, the first server and the first communication unit, the memory stores the business information of the consumption trust product, the first server is used to receive trading information from trading server, and disposes and gives feedback to the trading data from the trading server; the trading server includes the second server and the second communication unit, the second communication unit is used in communication with the first communication unit, and provides the business information and the transaction status information to the client side device through the network, the second server is used to receive the transaction operation information from the client side device and obtain the business information to control the transaction conducted consumption trust, and sends the transaction data to the management server. The system and the method achieve the automatic management of consumption trust and provide the marketing of consumption trust product for users, which can be operated easily and convenient for management and process tracing.
Description
Technical field
The present invention relates to the consumption management of trust correlation technique of the Internet financial field, produce particularly to a kind of consumption trust
Product operation management method and system.
Background technology
Development with the Internet and progressively ripe, the consuming behavior of most of resident of shopping at network platform model
There occurs huge change, traditional " cash consumption of going shopping " is gradually created by " net purchase ", " bankcard consumption ", " mobile-phone payment " etc.
New consumption pattern is replaced, and " purchasing by group ", " purchasing ", " credit purchase " etc. combine financial service by stages and the operation layer of consumption service goes out
Not poor, and consume trust new birth under the big historical background that this Internet is be combined with each other with finance.Consumption trust
A kind of innovative financial product, by business model be designed to realize several functions.At present for consumption trust still
No accurate definition, in general, consumes the consumption demand from client for the trust, by selecting consumer products, enters to industry side
Row centralized purchasing is so that the consumption rights and interests of customer acquisition high performance-price ratio；Simultaneously can be by obtaining to the concentrated investment of sink money
Obtain excess earnings, both made up product and used cost, and shared the consumer cost of client again.Carrying out consumption trust can increase trust public affairs
Department's transaction management income, brings the chance of other income, contributes to innovative product design, layout personal finance services city
, the preferably service entities economy and society people's livelihood.Based on this, consumption trust has become as what trust company adjusted business structure
New focus.
The Three models of consumption trust consume trust according to the purpose of fund application and mode, can be divided into three kinds of main flow industry
Business pattern consumption-orientation, financing type and investment-orientation.
(1) consumption-orientation consumption trust
Consumption-orientation consumes trust, and core business logic is consumption, and client, to consumption trust infusion of financial resources, then obtains corresponding
Consumption rights and interests.Consumption-orientation consumption trust mainly has the characteristics that following: provides attractive commodity and service discount, locks in advance
Surely obtain the larger commodity of difficulty or service, customization service is provided, guarantees service quality.
(2) financing type consumption trust
Trust consumed by financing type, and core business logic is financing, and to consumption trust infusion of financial resources, trust company passes through client
During running obtains financing income, product operation, client both can select to exchange capital and profit by agreement earning rate in cash
Breath is it is also possible to select to exchange capital and interest in the form of consuming rights and interests.This can also be subdivided into following three in pattern
Kind: the realization of income Consumer right, the realization of capital Consumer right, the realization of capital+income Consumer right.
(3) investment-orientation consumption trust
Investment-orientation consumes trust, and core business logic is investment, and client is to consumption trust infusion of financial resources, trust company and confession
Business is answered jointly to set up limited partnership fund and as gp, the fund consumed under trust item participates in project as limited partnership fund lp
Investment, during limited partnership Projects funded, supplier promises to undertake provides certain consumption rights and interests for project participant, including commodity
Or service；The consumption rights and interests that trust company is responsible for that supplier is provided are managed and distribute.For the problem exiting, client
Limited partnership fund share being held always, thus persistently obtaining consumption rights and interests, or selecting in the time point appointed
Allow limited partnership fund share, assist client to arrange the transfer matters of held limited partnership fund share by trust company, turn
Allow the consumption trust that can think a new phase, or other have a mind to purchase the focal pointe of limited partnership fund share.Extremely
In the distribution of project dividend or the loss that expires, then divide according to the right between gp and lp of " partnership agreement " upper agreement and carry out
Operation.The design of trust corresponding consumption rights and interests consumed by financing type, may be referred to the mentality of designing of consumption-orientation trust；According to fund
The source invested with consumption rights and interests, have following two designs: (1) directly support type project investment；(2) indirect support type
Enterprise investment.
To sum up analyze, according to the type of above-mentioned consumption trust, it is little that it has the single trust amount of money, any one trust products
Trust after buyer need to reach certain number just can be set up.And traditional trust single amount of money is larger, straight often through bank etc.
Tap into pedestrian's work to sell on a commission basis and by the whether establishment of labor management trust, for a user, general worked people by bank
Member buys, and after purchase, single trust products all can independent process.It is not suitable for consuming the management of trust, comes for consumption trust
Say, when user buys, and staff carries out batch processing all more inconvenience in a conventional manner to its workflow management.
Content of the invention
It is an object of the invention to provide a kind of consumption trust products operation management method and system, to solve existing disappearing
Expense trust is mainly so that the management caused by being runed by the channel form of selling on a commission basis is inconvenient, user buys at any time and checks rights and interests not
Just problem.
For achieving the above object, the invention provides a kind of consumption trust products operation management method, comprise the following steps:
S1: management server issues the product information of consumption trust and the rights and interests ginseng of setting different types of consumption trust
Number；
S2: trading server is obtained described product information and is provided the product of consumption trust by network to ustomer premises access equipment
Information and transaction status information, accept the transactional operation information from ustomer premises access equipment simultaneously；
S3: described trading server according to described transactional operation information and to the consumption related business information of trust control into
Row transaction, and transaction data is sent to management server；
S4: described management server carries out to described transaction data processing and feedback trading result；
S5: described trading server calculates rights and interests in real time and is supplied to user side according to described transaction results and rights and interests parameter
Equipment.
It is preferred that described step s2 further includes:
S21: described trading server obtains the product information from described management server；
S22: described trading server is authenticated to the user profile from ustomer premises access equipment, such as authentification failure, repeat
Step s22, otherwise enters step s23；
S23: described ustomer premises access equipment sends buys request to described trading server；
Then described step s3 further includes:
S31: described trading server judges whether the consumption trust that user buys meets trust condition to determine whether to permit
When being permitted consumption trust to set up, and allowing user to buy described consumption trust by ustomer premises access equipment after allowing consumption trust to set up
Execution is concluded the business and is carried out online contract signing；
S32: described trading server generates the business form of different nodes according to transaction progress, and by described business form
It is stored in the file catalogue of described management server.
It is preferred that then described step s31 further includes:
Carry out selling the payment management of order directly to households according to the type of purchase order after consumption trust is purchased, judge again after payment
Satisfaction consumes the comparison of trust establishment condition determining whether that consuming trust sets up, and/or carries out selling order on a commission basis
Claim, carry out user profile after claiming again and the comparison of trust condition is set up with determining whether consumption trust.
It is preferred that then described step s3 further includes: during transaction, described management server is that the user that each is bought sets
Vertical corresponding virtual account, described virtual account is a character string with unique mark function, in described character string at least
Including the combination with consumption trust type, the corresponding character string of trust mode type.
It is preferred that then in described step s5: to manage coming into force, inquiring about of user's right by the batch number of setting up of consumption trust
With calculating；Wherein, described rights and interests include servicing rights and interests and two parts of capital income, and described service rights and interests are including some consumption
The access right of service, described capital income is the income being calculated based on the capital that user buys consumption trust.
It is preferred that during inquiry, the packet that the described ustomer premises access equipment of setting obtains is at least to include data below: rights and interests life
Effect date, rights and interests Close Date, rights and interests card number and rights and interests state；Wherein, rights and interests state includes: to be paid, payment completes, audits
In and paid.
Present invention also offers a kind of consumption trust products operation management system, including management server and transactional services
Device, wherein:
Management server, including memorizer, first processor and the first communication unit, described memorizer is used for storage consumption
The business information of trust, described first processor is used for receiving the transaction data from trading server, and to from transaction clothes
The transaction data of business device is processed and is fed back；
Trading server, including second processing device and the second communication unit, described second communication unit is used for and described the
One communication unit communication carrying out data interaction, and by network to ustomer premises access equipment provide consumption trust business information and
Transaction status information, described second processing device is used for receiving transactional operation information and the described business of acquisition from ustomer premises access equipment
Information controls the transaction carrying out consuming trust, and transaction data is sent to described management server.
It is preferred that described memorizer includes:
Product information database, for the product information of storage consumption trust；
Trading information data storehouse, for the Transaction Information of storage consumption trust products, described Transaction Information includes completing
The product information of transaction, user profile, contract information, benefits information；
User Information Database, for storing the id of user, the personal information of user, assets information, the rights and interests letter of member
Breath.
It is preferred that described first processor includes:
Rights management device, for be managed state, inquiry and the setting of user's right by the establishment batch number of consumption trust
Rights and interests calculating parameter；
Transaction manager, for processing the Transaction Information from ustomer premises access equipment, and collection sells channel on a commission basis under line
Transaction Information, and finally collected, and stored accordingly and reconciliation；
Consumption management of trust device, for carrying out consuming the valency of the classification of trust products, identification code, the time limit of product, product
The corresponding rights and interests of lattice, product and foundation, deletion and the modification of signed instrument；
Controller, for controlling described rights management device, transaction manager and consumption management of trust device to pass through as needed
Described first communication unit and described front-end server carry out data interaction.
It is preferred that described first processor also includes:
Virtual account manager, the corresponding virtual account of the user for setting up with each is bought, described virtual account
Carry out the character string identification using when rights management, trade management and statistical management for system；
Wherein, described virtual account is a character string with unique mark function, at least include in described character string with
Consumption trust type, the combination of the corresponding character string of trust mode type.
It is preferred that described second processing device includes:
Transaction processor, the purchase for receiving the ustomer premises access equipment from direct selling compares user profile and trust when asking
Condition is to determine whether that consuming trust sets up, and allows user to purchase by ustomer premises access equipment after allowing consumption trust to set up
Execution transaction and carry out online contract signing when buying described consumption trust, and obtain sell on a commission basis order Data Concurrent deliver to described
Memorizer；
Rights and interests processor, for buying after consumption trust and trust establishment to user, when the request receiving ustomer premises access equipment
When checking benefits information, executed rights and interests calculating is carried out according to described business information, unenforced rights and interests calculate and lost efficacy
Rights and interests calculate, and result of calculation is fed back to ustomer premises access equipment.
It is preferred that described memorizer includes a file catalogue, during described transaction processor execution transaction, according to conclude the business into
Degree generates the business form of different nodes, and described business form is stored in described file catalogue, for described management clothes
The average information of business device record transaction and the transaction progress following the tracks of consumption trust.
It is preferred that described transaction processor includes:
Order processing unit, for, after consumption trust is purchased, the type according to purchase order carries out selling order directly to households
Payment management and/or sell claiming of order on a commission basis.
Consumption trust products operation management system and method that the present invention provides, instead of traditional consumption trust products battalion
The mode manually sold on a commission basis at traditional channel end is fully relied on it is achieved that consuming the automated management of trust during pin.System
System itself can directly provide the user the marketing of consumption trust products, has simple to operate, and data processing accurately, is easy to manage
And follow the trail of the progress of consumption trust, and it is easy to user and checks rights and interests etc..
Consumption trust products operation management system achieves consumption trust products and sells and rights and interests exchange overall process
Systematized management, also can be analyzed by the customer consumption information big data of systematic collection in future, for developing new consumption
Trust products provide Informational support.
Brief description
The consumption trust products operation management system composition figure that Fig. 1 provides for the preferred embodiment of the present invention；
The management server local concrete composition figure that Fig. 2 provides for the preferred embodiment of the present invention；
The trading server concrete composition figure that Fig. 3 provides for the preferred embodiment of the present invention；
The consumption trust products operation management method flow chart that Fig. 4 provides for the preferred embodiment of the present invention.
Specific embodiment
For the present invention is better described, hereby with some preferred embodiments, and coordinate accompanying drawing that the present invention is elaborated, tool
Body is as follows:
As shown in figure 1, the composition structure chart of the consumption trust products operation management system providing for the present embodiment, during Fig. 4
The flow chart of above-mentioned consumption trust products operation management system work process according to embodiments of the present invention.This management system is used for
Carry out consuming the process automation management of commission business, purchase, examination ＆ verification and the establishment entrusted from consumption are all carried out by this system
Management.
Referring to Fig. 1, the consumption trust products operation management system of the present embodiment includes management server 100 and transactional services
Device 200, wherein, management server 100 includes memorizer 110, first processor 120 and the first communication unit 130, memorizer
110 business information being used for storage consumption trust, first processor 120 is used for receiving the number of deals from trading server 200
According to, and the transaction data from trading server 200 is processed and feeds back.
Trading server 200 includes second processing device 210 and the second communication unit 220, the second communication unit 220 be used for
First communication unit 130 is communicated to carry out data interaction, and the industry being provided consumption trust by network to ustomer premises access equipment 300
Business information and transaction status information, second processing device 210 is used for receiving the transactional operation information being derived from ustomer premises access equipment 300 and obtains
Take business information to control to be traded, and transaction data is sent to management server 100.
Wherein, the quantity of ustomer premises access equipment 300 is multiple, and as multiple users provide and directly consume management of trust clothes
Business, ustomer premises access equipment 300 and trading server 200 carry out data interaction, realize the trading processing of consumption trust.And management service
Device 100 sets as the front end directly providing service for ustomer premises access equipment as the back-stage management end of system, trading server 200
Standby, both need to keep reliable timely data interaction.In the present embodiment, can between management server 100 and trading server 200
So that data interaction is carried out by the LAN of the Internet or inside, or direct data is carried out by wired forms or wireless
Interaction.Accordingly, the first communication unit 130 and the second communication unit 220 can be the network of the Internet or the LAN of inside
Interface or wired forms or wireless data transceiving unit.Those skilled in the art can specifically be arranged as needed
Communication form between management server 100 and trading server 200.
Further, as shown in Fig. 2 in the present embodiment, memorizer 110 includes: product information database 111, it is used for
The product information of storage consumption trust；Trading information data storehouse 112, consumes the Transaction Information of trust products for storage, wherein,
Transaction Information herein is included the product information of complete transaction, user profile, contract information, benefits information etc. and is bought with user
The related information of consumption trust；User Information Database 113, for storing the id of user, the personal information of user, assets letter
The user profile such as breath, the benefits information of member；Memorizer 110 also includes file catalogue 114, for the industry during store transaction
Business form.
Correspondingly, the first processor 120 in the present embodiment includes: rights management device 121, for the one-tenth by consumption trust
Vertical batch number come to manage user's right state, inquiry with process；Transaction manager 122, is derived from ustomer premises access equipment for processing
Transaction Information, and sell the Transaction Information of channel under the line on a commission basis, and finally collected, and stored accordingly and right
Account；Consumption management of trust device 123, for carry out consuming the classification of trust products, identification code, the time limit of product, the price of product,
The foundation of the corresponding rights and interests of product and signed instrument, it is deleted or modified；Controller 124, for controlling described rights and interests as needed
Manager, transaction manager and consumption management of trust device pass through the first communication unit 130 and carry out data friendship with trading server 200
Mutually.
Wherein, in the present embodiment, rights and interests are included three kinds of states: the rights and interests that come into force, Pending The Entry Into Force rights and interests and inefficacy rights and interests,
The difference of the species according to consumption trust, rights management device 121 carries out the calculating standard of rights and interests under dissimilar different conditions
Set, so that rights and interests processor calls the rights and interests that those information carry out user's trust under corresponding rights and interests state to calculate.
Additionally, first processor 120 also includes: virtual account manager 125, for setting up the user's phase bought with each
Corresponding virtual account, virtual account carries out the character string mark using when rights management, trade management and statistical management for system
Know；Wherein, the virtual account in the present embodiment is a character string with unique mark function, at least include in this character string with
Consumption trust type, the combination of the corresponding character string of trust mode type.When transaction processor sends the purchase letter from user
During breath, this virtual account manager 125 automatically generates according to the essential information of user.
As shown in figure 3, second processing device 210 includes: transaction processor 211, the user side for receiving from selling directly to households sets
Standby purchase compares user profile and trust condition to determine whether that consuming trust sets up when asking, and is allowing consumption to believe
Support allows user to execute transaction when buying described consumption trust by ustomer premises access equipment and carry out online contract signing after setting up, with
And obtain and sell the Data Concurrent of order on a commission basis and deliver to described memorizer；Rights and interests processor 212, for user buy consumption trust and
After trust is set up, when benefits information is checked in the request receiving ustomer premises access equipment, carried out executed according to described business information
Rights and interests calculate, unenforced rights and interests calculate and failed rights and interests calculate, and result of calculation is fed back to ustomer premises access equipment.
Accordingly, also include a file catalogue 114 in memorizer 110, during described transaction processor execution transaction, according to friendship
Easily progress generates the business form of different nodes, and described business form is stored in described file catalogue, for described pipe
The average information of reason server record transaction and the transaction progress following the tracks of consumption trust.
Wherein, transaction processor 211 further includes: order processing unit, for consumption trust purchased after, according to
The type of purchase order carries out selling the payment management of order directly to households and/or sells claiming of order on a commission basis.Specifically, the present embodiment provides
System, in addition to can managing the direct selling order carrying out by ustomer premises access equipment, can sell order on a commission basis (i.e. with management legacy
Carry out the consumption trust order of artificial treatment by each bank).Wherein, for the direct selling order from ustomer premises access equipment, its point
Order for order to be paid and in paying, order to be paid is divided into the order that user paid and needs again after paying unsuccessfully
The order being paid；And sell order on a commission basis claim specially user after ustomer premises access equipment carries out real-name authentication, obtain with
(order of selling on a commission basis herein should be user after bank buys consumption trust to the order data of selling on a commission basis of its coupling, and trust becomes
Vertical order), and by the trading server 200 acquisition order relevant information of the present embodiment so that ustomer premises access equipment is supplied to use
Family uses.
As shown in figure 3, present embodiments providing a kind of consumption trust products operation management method, comprise the following steps:
S1: management server issues the product information of consumption trust.
Specifically, according to the needs of marketing, trust products are consumed in setting to the management server of system, and provide product for it
Numbering, the product basic parameter of the corresponding consumption trust products of each production code member, can pass through after setting production code member should
Production code member accordingly carries out consuming the retrieval of product information, inquiry and the management of trust products.Issue the product of consumption trust
During information, carry out consuming the differentiation of trust by production code member.
S2: trading server is obtained product information and is provided the product letter of consumption trust by network to ustomer premises access equipment
Breath, accepts the transactional operation information from ustomer premises access equipment simultaneously.
Specifically, step s2 includes:
S21: trading server obtains the product information from management server；
S22: trading server is authenticated to the user profile from ustomer premises access equipment, such as authentification failure, repeat step
S22, otherwise enters step s23；
During certification, trading server passes through to the user profile from ustomer premises access equipment and the user from management server
Information database is compared inquiry, obtains whether this user has the authority buying consumption trust, such as in user profile data
Inquire the user profile of current operation in storehouse, be then considered as certification success, otherwise proceed certification again.It is of course also possible to
Some essential informations according to user's pre-fill or real-time authentication etc. carry out whether having operating right to user recognizes
Card.
S23: ustomer premises access equipment sends buys request to trading server.
After certification success, user has the authority buying trust, carries out buying the associative operation of consumption trust, such as inquire about,
Place an order purchase, on-line payment etc..
Wherein, product information can pass through ustomer premises access equipment in the form of a list to user's displaying after classification, and uses
When general consumption trust is consulted at family, need not be authenticated, when user needs a certain consumption trust products to be bought and purchases
When checking itself rights and interests after buying, then need user profile is authenticated, with the user guaranteeing to buy have purchase authority and
Check the authority of the relevant information buying consumption trust.
S3: described trading server according to described transactional operation information and to the consumption related business information of trust control into
Row transaction, and transaction data is sent to management server.
The process of exchange of step s3 further includes:
S31: trading server compares user profile and trust condition to determine whether that consuming trust sets up, and is permitting
Execution when allowing user to buy described consumption trust by ustomer premises access equipment after being permitted to consume trust establishment is concluded the business and is closed online
With signing.
S32: trading server generates the business form of different nodes according to transaction progress, and described business form is stored
In the file catalogue of described management server.
Wherein, carry out selling the payment management of order directly to households according to the type of purchase order after consumption trust is purchased, after payment
Carry out user profile again and the comparison of trust condition is set up with determining whether consumption trust, and/or carry out selling order on a commission basis
Claim, carry out user profile after claiming again and the comparison of trust condition is set up with determining whether consumption trust.
Order and the direct selling order being generated by ustomer premises access equipment are sold for importing on a commission basis, system is its data and enters
Generate Mission Number when system or in systems generation, wherein, for the type selling order on a commission basis and sell order directly to households, compiled by batch
Number distinguished, this Mission Number also includes increasing time, random sequences code newly with consumption trust products title, trust data simultaneously
It is combined representing etc. the character of part, that is, is easy to system administration, also allow for directly obtaining the base of consumption trust from Mission Number
This information.
In the transactional operation of execution step s3, management server is that the user that each is bought sets up corresponding virtual account
Family, described virtual account is a character string with unique mark function, at least includes and consumption trust type, letter in character string
The combination of the corresponding character string of support mode type.For same user, its virtual account is unique, but this virtual account can
Corresponding to multiple means of payment of this user, to carry out the purchase of the consumption trust under this virtual account.
S4: management server is processed to transaction data and is fed back, and sends transaction status information by trading server
To ustomer premises access equipment.
Specifically, management server by consumption trust set up batch number to manage the coming into force of user's right, inquire about and based on
Calculate.User's right comes into force after user buys trust and trust is set up, the production code member based on consumption trust or purchase during inquiry
Person's information can be inquired about.When calculating user's right, calculated according to the rights and interests effective date of corresponding trust, rights and interests date of expiry
The date come into force.
Further, during inquiry, the packet that the described ustomer premises access equipment of setting obtains is at least to include data below: rights and interests
Effective date, rights and interests Close Date, rights and interests card number and rights and interests state；Wherein, rights and interests state includes: to be paid, payment completes, examines
In core and pay.In the present embodiment, rights and interests card number is character string sequence corresponding with above-mentioned virtual account, then packet is
The transmission to carry out rights and interests card number for the field length required for this rights and interests card number distribution character string sequence.Additionally, in order to save biography
The data volume sent, the rights and interests state in packet is made a distinction with different characters, for example, set reset and represent to be paid, if
Set represents that payment completes, and setting " 2 " represents in examination ＆ verification, and setting " 3 " expression pays.Certainly, the data structure of other parts
And data packet format those skilled in the art can freely be arranged as needed.The data of only corresponding rights and interests card number all receives
It is considered as DTD.Each packet carries out unique mark to generate the time, and the timestamp generating each packet is sent out
Give recipient, recipient judges whether to receive total data according to timestamp and unique mark and whether retransmits.This
The setting form of packet is more beneficial for transmission consumption trust data, and consumption trust is inquired about accordingly, it is to avoid pass
Situations such as occur leakage to pass in data procedures, retransmit is sent to occur.
The above, the only specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, and any
Those skilled in the art the invention discloses technical scope in, the deformation that the present invention is done or replacement, all should cover
Within protection scope of the present invention.Therefore, protection scope of the present invention should be defined by described scope of the claims.
Claims (13)
1. a kind of consumption trust products operation management method is it is characterised in that comprise the following steps:
S1: management server issues the product information of consumption trust and the rights and interests parameter of setting different types of consumption trust；
S2: trading server is obtained described product information and is provided the product information of consumption trust by network to ustomer premises access equipment
And transaction status information, accept the transactional operation information from ustomer premises access equipment simultaneously；
S3: described trading server controls according to described transactional operation information and the business information related to consumption trust to be handed over
Easily, and by transaction data it is sent to management server；
S4: described management server carries out to described transaction data processing and feedback trading result；
S5: described trading server calculates rights and interests in real time according to described transaction results and rights and interests parameter and is supplied to user side and sets
Standby.
2. consumption trust products operation management method according to claim 1 is it is characterised in that described step s2 is further
Including:
S21: described trading server obtains the product information from described management server；
S22: described trading server is authenticated to the user profile from ustomer premises access equipment, such as authentification failure, repeat step
S22, otherwise enters step s23；
S23: described ustomer premises access equipment sends buys request to described trading server；
Then described step s3 further includes:
S31: described trading server judges whether the consumption trust that user buys meets trust condition to determine whether to disappear
Execution when taking trust to set up, and allowing user to buy described consumption trust by ustomer premises access equipment after allowing consumption trust to set up
Conclude the business and carry out online contract signing；
S32: described trading server generates the business form of different nodes according to transaction progress, and described business form is stored
In the file catalogue of described management server.
3. according to claim 2 consumption trust products operation management method it is characterised in that then described step s31 enter
One step includes:
Carry out selling the payment management of order directly to households according to the type of purchase order after consumption trust is purchased, judge whether again after payment
The comparison meeting consumption trust establishment condition is set up with determining whether consumption trust, and/or carries out selling claiming of order on a commission basis,
Carry out user profile after claiming again and the comparison of trust condition is set up with determining whether consumption trust.
4. according to claim 1 consumption trust products operation management method it is characterised in that then described step s3 enter one
Step includes: during transaction, described management server is that the user that each is bought sets up corresponding virtual account, described virtual account
For a character string with unique mark function, at least include in described character string and consumption trust type, trust mode type
The combination of corresponding character string.
5. consumption trust products operation management method according to claim 1 is it is characterised in that then in described step s5:
To manage coming into force, inquire about and calculating of user's right by the batch number of setting up of consumption trust；Wherein, described rights and interests include service power
Benefit and two parts of capital income, described service rights and interests are the access right including some consumption services, and described capital income is
The income being calculated based on the capital that user buys consumption trust.
6. consumption trust products operation management method according to claim 5 is it is characterised in that when inquiring about, setting is described
Ustomer premises access equipment obtain packet be at least to include data below: the rights and interests effective date, the rights and interests Close Date, rights and interests card number and
Rights and interests state；Wherein, rights and interests state includes: to be paid, pay complete, audit in and paid.
7. one kind consumes trust products operation management system it is characterised in that including management server and trading server, its
In:
Management server, including memorizer, first processor and the first communication unit, described memorizer is used for storage consumption trust
Business information, described first processor is used for receiving the transaction data from trading server, and to from trading server
Transaction data processed and fed back；
Trading server, including second processing device and the second communication unit, described second communication unit is used for logical with described first
Letter unit communication is to carry out data interaction, and business information and the transaction providing consumption trust by network to ustomer premises access equipment
Status information, described second processing device is used for receiving transactional operation information and the described business information of acquisition from ustomer premises access equipment
Control the transaction carrying out consuming trust, and transaction data is sent to described management server.
8. consumption trust products operation management system according to claim 7 is it is characterised in that described memorizer includes:
Product information database, for the product information of storage consumption trust；
Trading information data storehouse, for the Transaction Information of storage consumption trust products, described Transaction Information includes complete transaction
Product information, user profile, contract information, benefits information；
User Information Database, for storing the id of user, the personal information of user, assets information, the benefits information of member.
9. the consumption trust products operation management system according to claim 7 or 8 is it is characterised in that described first is processed
Device includes:
Rights management device, for be managed state, inquiry and the setting rights and interests of user's right by the establishment batch number of consumption trust
Calculating parameter；
Transaction manager, for processing the Transaction Information from ustomer premises access equipment, and collects the friendship selling channel under line on a commission basis
Easily information, and finally collected, and stored accordingly and reconciliation；
Consumption management of trust device, for carrying out consuming the classification of trust products, identification code, the time limit of product, the price of product, product
The corresponding rights and interests of product and foundation, deletion and the modification of signed instrument；
Controller, described for controlling described rights management device, transaction manager and consumption management of trust device to pass through as needed
First communication unit and described front-end server carry out data interaction.
10. consumption trust products operation management system according to claim 7 is it is characterised in that described first processor
Also include:
Virtual account manager, the corresponding virtual account of the user for setting up with each is bought, described virtual account is to be
System carries out the character string identification using when rights management, trade management and statistical management；
Wherein, described virtual account is a character string with unique mark function, at least includes and consumption in described character string
Trust type, the combination of the corresponding character string of trust mode type.
11. consumption trust products operation management systems according to claim 7 are it is characterised in that described second processing device
Including:
Transaction processor, the purchase for receiving the ustomer premises access equipment from direct selling compares user profile and trust condition when asking
To determine whether that consuming trust sets up, and user is allowed to buy institute by ustomer premises access equipment after allowing consumption trust to set up
Execution transaction and carry out online contract signing when stating consumption trust, and obtain and sell the Data Concurrent of order on a commission basis and deliver to described storage
Device；
Rights and interests processor, for buying after consumption trust and trust establishment to user, when the request receiving ustomer premises access equipment is checked
During benefits information, executed rights and interests calculating is carried out according to described business information, unenforced rights and interests calculate and failed power
Benefit calculates, and result of calculation is fed back to ustomer premises access equipment.
12. consumption trust products operation management systems according to claim 11 are it is characterised in that wrap in described memorizer
Include a file catalogue, during described transaction processor execution transaction, generate the business form of different nodes according to transaction progress, and will
Described business form is stored in described file catalogue, so that the average information of described record management server transaction and tracking disappear
Take the transaction progress of trust.
13. consumption trust products operation management systems according to claim 11 are it is characterised in that described transaction processor
Including:
Order processing unit, for, after consumption trust is purchased, the type according to purchase order carries out selling the payment of order directly to households
Manage and/or sell claiming of order on a commission basis.
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| CN201610737172.6A CN106355494A (en) | 2016-08-26 | 2016-08-26 | Consumption trust product operation management method and system |
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Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101464987A (en) * | 2007-12-21 | 2009-06-24 | 尹儇进 | Real estate transaction system using real estate trust and method thereof |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101464987A (en) * | 2007-12-21 | 2009-06-24 | 尹儇进 | Real estate transaction system using real estate trust and method thereof |
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