CN106709801A - Account-supporting electronic contract credit management and control system and method - Google Patents
Account-supporting electronic contract credit management and control system and method Download PDFInfo
- Publication number
- CN106709801A CN106709801A CN201611142113.0A CN201611142113A CN106709801A CN 106709801 A CN106709801 A CN 106709801A CN 201611142113 A CN201611142113 A CN 201611142113A CN 106709801 A CN106709801 A CN 106709801A
- Authority
- CN
- China
- Prior art keywords
- credit
- electronic contract
- control system
- user
- client
- Prior art date
- 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
Links
Classifications
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
Abstract
The invention provides an account-supporting electronic contract credit management and control system and method. A user registers at least identity and asset information in the network electronic contract credit management and control platform of a third party or a client. The user signs an electronic contract through the network electronic contract credit management and control platform or the client when transaction is carried out. The network electronic contract credit management and control platform or the client provides a contract model and/or form with basic terms for the user to choose. The credit management and control system carries out financial account/contract data processing based on the information of the electronic contract and the information of credit limit and/or credit account, and automatically stores and/or updates the credit limit and/or credit account. At the payment day, the credit management and control system issues payment notice information. The system and method have the advantages that the system and method help to build the harmonious relationship among loan, plant or purchase and sale; mutual trust of strangers and off-site transactions is realized; unspoken rules and corruption losses of management are reduced; transactions are easier; and paper resources, signing time and travel costs are greatly reduced.
Description
Technical field
The present invention relates to network technology, specifically a kind of electronic contract credit managing and control system and method for supporting the account phase.
Background technology
At present, internet electronic business is prevailing, but conventional entity business also can not be replaced by it, favor as businessman
Sell the benefit brought on credit, each show his special prowess The Eight Immortals cross the sea, but need to take time, spend a lot of time and energy understand other side's credit rating situation
Under, it is only possible to set up the situation of entities business contact；Government is also more likely to credit mechanism management；In the new industry leather of upgrade version
In life period, unavoidably there are a large amount of new spectras dependence OEM manufactures and sign a contract；Investor wishes the fund by investor controllable
Scope is without being abused.Everything is all based on the credit of each chief leading cadre or legal representative, the size for occurring in succession in recent years
Phenomenon that enterprise boss is run away, enterprise closes down suddenly, physical stores are closed the door overnight etc., illustrates the credit rating of people without prison
It is it is difficult to ensure that long-term feel under pipe, although internet commodity（Service）Trade mode avoids these problems hair as far as possible
It is raw, because existing internet commodity（Service）Trade mode is first paid the bill and is delivered afterwards, and payment for goods is first by transaction platform（Third party）Temporarily
The pipe a few days, the vicious circle of credit contradictory problems is greatly reduced, participated in business still as customer identification for buyer
It is feasible, but buyer participated in business as merchant identity it is less feasible.Therefore entity business is still had an optimistic view of, then in entity business
Continued up in industry activity and sell transaction on credit, the credit of the both parties that place one's entire reliance upon, it occur frequently that back money, deliver it is too late
When, the problems such as quality is unqualified, other side's credit information comes from once business contact and the scope of assessment asked for information, and lacks about
Beam force, may occur side's discreditable behavior at any time.
Entity business can bring business development flourishing to place, if can be carried out with internet+entity both parties
Credit management and control, then can will sell credit on credit and include controlled range, it is to avoid large area is uncontrollable bad caused by the credit of side mutation
Account, it is possible to resolve the not faithful hard nut to crack of worry other side that dealing each side exists for a long time, avoids boss from rolling up as far as possible
The reason such as money runs away, product quality is adulterated causes a series of bigger problems to occur, and transaction, fund and the contract for buying and selling each side are long-term
It is under third-party internet contract control platform supervision, Trading parties can be helped to bear Cigna, specification trading activity,
It is beneficial to the orderly development of entity business.
The content of the invention
In order to overcome the deficiencies in the prior art, the present invention provide a kind of electronic contract credit managing and control system for supporting the account phase and
Method.
The technical solution adopted for the present invention to solve the technical problems is：User is at least by identity, assets information
The network electronic contract credit control platform or client of tripartite are registered, and agreement receives the management and control of network electronic contract credit and puts down
The credit management and control of platform or client is regular and just behavior, after the log-on message of user passes through through examination ＆ verification, network electronic contract letter
Line of credit is at least automatically generated with the credit managing and control system of control platform or client and buy volume and/or account phase information on dredit, and
Publicity is announced in network electronic contract credit control platform or client, user can actively or application sets the credit of effective range
Volume, electronic contract, network electronic contract letter are signed during customer transaction by network electronic contract credit control platform or client
Model agreements and/or list with condition clause are provided with control platform or client to be selected for user, opening relationships first
And sign electronic contract success after, credit managing and control system automatically set up or more new relation storehouse information, credit managing and control system at least according to
Carry out the treatment of wealth account/contract dataset according to electronic contract information and line of credit and/or the volume information of buying on dredit, and automatically storage and/or
Update line of credit and buy volume on dredit, the account phase, then credit managing and control system sent account payable prompting message, and grasped automatically or through user
Sent as determination and enter payment program after instructing, credit managing and control system automatically updates line of credit and buys volume on dredit after successful payment,
Network electronic contract credit control platform or client operation or extension are carried out when user fails to carry out electronic contract obligation in time
Not operation behavior, all or part of account payable of this electronic contract regulation of credit managing and control system automatic stay delinquent party and
Fine and/or interest in legal time limit, it is automatic to reduce line of credit and/or update evaluation information, until user is by network electricity
Influence is freezed in elimination after sub- contract credit control platform or client actively carry out payment operation.
After credit managing and control system can also be uploaded by user, sale and/or the inventory information of user are obtained, and automatically more
New line of credit and buy volume on dredit.
The selling price and/or sales volume and/or inventory information of user, correspondence user is automatically assigned to by credit managing and control system
Relation storehouse, for it is corresponding buy and/or sell Trading parties check at any time.
The also expansible publicity credit score of network electronic contract credit control platform or client and/or signing are fulfilled obligations
Promise breaking record, promise breaking record upgrades in time credit score by credit managing and control system.
Line of credit is can to sign the electronics containing account phase clause by network electronic contract credit control platform or client
After contract, through credit managing and control system process calculate or evaluate disclosed in user can management and control assets credit volume, the assets letter
Can be that the third-party network electronic contract credit control platform of user's request or client are checked the capitals and can credit management and control with volume
Non-monetary assets, or user's active operation give third-party network electronic contract credit control platform or client
The part assets volume of credit management and control, line of credit is the embodiment of user's management ability and/or credit status；The volume of buying on dredit is to have passed through
After network electronic contract credit control platform or client sign the electronic contract containing account phase clause, at credit managing and control system
User's pending payment total value that reason is calculated；Credit score is that comprehensive credit of the user accumulated in day-to-day operations and business contact is comprehensive
The existing fraction of zoarium, including promise breaking number of times, promise breaking degree etc., credit score is that user fulfils obligations ability and/or attention in transaction
The embodiment of transaction credibility；User's operational order is fulfiled including transmitting-receiving cargo interests or by means of lender by electronic contract contractual obligation
Operational order, the operational order also received/pay the bill including bank settlement side or by means of lender refusal.
The present invention has advantages below.
1. letter of reference with and the work of open credit rating give third party and carry out, then by network contraction, supervision management and control letter
With goods/money obligation is fulfiled in standardization, pressureization, is promoted entity business and is developed in a healthy way, is conducive to building debt-credit or enterprise of factory or purchases
The harmonious relationships of pin, have got through stranger, the mutual reliability of strange land transaction；Underlying rule, the corruption and degeneration loss because of management level are reduced, is handed over
It is easily lighter；It is substantial amounts of to reduce paper resources, signing time and traveling expense.
2. comply with tradition and sell advantage on credit, mutual faithlessness obstacle understands other side's credit rating, third party by network in real time
Limited letter of supporting is used, and both sides can directly launch business negotiation by network, greatly reducing the necessity checked on the spot,
The sales volume of producer is improved, producer is no longer for account phase credit problems are on tenterhooks.
3. seller can online check that buyer's quantity in stock is advised in time, can mitigate additional workload and the reduction of buyer
Management cost, stock is avoided to cross wall losses；The fund obligation of businessman is alleviated, the credit advantage and shape of buyer is directly presented
As promoting producer all one's effort high-quality, supplying on schedule.
4. as find side's credit pipe off, system can in time freeze the line of credit, it is to avoid boss volume money run away to
Creditor causes bigger loss, and warning debtor is not developed to abyss；Line of credit is bigger, and credit rating is bigger.
5. third-party network electronic contract credit control platform or client link or authoritative department or other machines are entered
Structure, is very easily mediated an issue, promise breaking problem by platform application internet, and energy is expended without arriving local law court's prosecution again.
Certainly, implement any product of the invention or method it is not absolutely required to while reaching all the above excellent
Point.
The electronic contract credit managing and control system and method for supporting the account phase a kind of to the present invention with reference to the accompanying drawings and examples
Further illustrate.
Brief description of the drawings
Fig. 1 is that the present invention is a kind of supports the electronic contract credit managing and control system of account phase and the schematic diagram of method.
Specific embodiment
In Fig. 1 flow charts, user buyer and seller are by identity, assets information in third-party internet electronic contract
Credit control platform or client are registered, and agreement receives the credit of internet electronic contract credit control platform or client
Management and control is regular and just behavior, and after the log-on message of buyer and seller passes through through examination ＆ verification, the management and control of internet electronic contract credit is put down
The credit managing and control system of platform or client at least automatically generates line of credit and buys volume and/or account phase information on dredit, and announces publicity
In internet electronic contract credit control platform or client, user can actively or application sets the line of credit of effective range.
Electronics is signed by internet electronic contract credit control platform or client when user buyer and seller conclude the business
Contract, internet electronic contract credit control platform or client provide model agreements and/or list with condition clause and supply
User selects, and user can also fill in supplementary provision in contract, buyer and seller opening relationships first and sign electronic contract into
After work(, credit managing and control system is set up or more new relation storehouse information automatically, and the information in seller's relation storehouse includes being uploaded to by buyer
The sales information of internet electronic contract credit control platform, but the product or clothes that only both parties' electronic contract is related to
Business sales information seller can just view, and credit managing and control system is depending at least on electronic contract information and line of credit and/or buys volume on dredit
Information carries out the treatment of wealth account/contract dataset, and stores automatically and/or update line of credit and buy volume on dredit, when account phase then credit
Managing and control system sends account payable prompting message, and enters payment program automatically or after sending instruction through user's operation determination,
Credit managing and control system automatically updates line of credit and buys volume on dredit after successful payment, if entering in time because user fails to carry out electronic contract obligation
Row internet electronic contract credit control platform or client operation or not operation behavior of delaying, credit managing and control system freeze automatically
The fine and/or interest in all or part of account payable and legal time limit of this electronic contract regulation of delinquent party are tied, from
It is dynamic to reduce line of credit and/or update evaluation information, until User logs in internet electronic contract credit control platform or client
Influence is freezed in elimination after actively carrying out payment operation.
After credit managing and control system can also be uploaded by user, sale and/or the inventory information of user are obtained, and automatically more
New line of credit and buy volume on dredit.
The selling price and/or sales volume and/or inventory information of user, correspondence user is automatically assigned to by credit managing and control system
Relation storehouse, for it is corresponding buy and/or sell Trading parties check at any time.
Justice is fulfiled in the also expansible publicity credit score of internet electronic contract credit control platform or client and/or signing
The promise breaking record of business, promise breaking record is upgraded in time credit score by credit managing and control system.
Credit managing and control system also obtains credit black list information and/or assets information and/or industrial and commercial tax information and/or borrows
Loan information and/or punishment information and/or property information.
User's operational order is to include the operational order received and dispatched cargo interests or fulfiled by electronic contract contractual obligation by means of lender,
Also include bank settlement side or the operational order received/pay the bill by means of lender refusal, each operation behavior can influence
Above-described embodiment is only that the preferred embodiments of the present invention are described, and not the spirit and scope of the present invention are carried out
Limit, on the premise of design philosophy of the present invention is not departed from, professional and technical personnel in the art make to technical scheme
The various changes and modifications for going out, belong to protection scope of the present invention.
Claims (4)
1. a kind of electronic contract credit managing and control system and method for supporting the account phase, user is at least by identity, assets information
Tripartite
Network electronic contract credit control platform or client registered, agreement receive the management and control of network electronic contract credit put down
The credit management and control of platform or client is regular and just behavior, after the log-on message of user passes through through examination ＆ verification, network electronic contract letter
Line of credit is at least automatically generated with the credit managing and control system of control platform or client and buy volume and/or account phase information on dredit, and
Publicity is announced in network electronic contract credit control platform or client, user can actively or application sets the credit of effective range
Volume, it is characterized in that：Electronic contract, network electricity are signed by network electronic contract credit control platform or client during customer transaction
Sub- contract credit control platform or client provide model agreements and/or list with condition clause and are selected for user, first
After opening relationships and signing electronic contract success, credit managing and control system is set up or more new relation storehouse information automatically, credit management and control system
System carries out wealth account/contract dataset treatment depending at least on electronic contract information and line of credit and/or the volume information of buying on dredit, and deposits automatically
Storage and/or renewal line of credit and volume of buying on dredit, the account phase, then credit managing and control system sent account payable prompting message, and automatic or warp
User's operation determination enters payment program after sending instruction, and credit managing and control system automatically updates line of credit and buys (or sell) on credit after successful payment
Owe volume, when user fail to carry out electronic contract obligation in time carry out network electronic contract credit control platform or client operation or
Delay not operation behavior, all or part of account payable of this electronic contract regulation of credit managing and control system automatic stay delinquent party
And fine and/or interest in legal time limit, it is automatic to reduce line of credit and/or update evaluation information, until user passes through net
Influence is freezed in elimination after network electronic contract credit control platform or client actively carry out payment operation.
2. after credit managing and control system can also be uploaded by user, sale and/or the inventory information of user are obtained, and automatically updated
Line of credit and buy volume on dredit.
3. the selling price and/or sales volume and/or inventory information of user, are automatically assigned to correspondence user's by credit managing and control system
Relation storehouse, for it is corresponding buy and/or sell Trading parties check at any time.
4. the also expansible publicity credit score of network electronic contract credit control platform or client and/or signing is fulfilled obligations
Promise breaking record, promise breaking record is upgraded in time credit score by credit managing and control system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611142113.0A CN106709801A (en) | 2016-12-13 | 2016-12-13 | Account-supporting electronic contract credit management and control system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611142113.0A CN106709801A (en) | 2016-12-13 | 2016-12-13 | Account-supporting electronic contract credit management and control system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106709801A true CN106709801A (en) | 2017-05-24 |
Family
ID=58936879
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611142113.0A Pending CN106709801A (en) | 2016-12-13 | 2016-12-13 | Account-supporting electronic contract credit management and control system and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106709801A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107451712A (en) * | 2017-06-02 | 2017-12-08 | 阿里巴巴集团控股有限公司 | A kind of data processing method and equipment |
| CN108280122A (en) * | 2017-12-08 | 2018-07-13 | 上海葵普科技股份有限公司 | The contract management system of configurable contract template |
| CN109118094A (en) * | 2018-08-18 | 2019-01-01 | 北京企信云信息科技有限公司 | A kind of enterprises service application system based on credit system |
| CN109325706A (en) * | 2018-10-15 | 2019-02-12 | 平安科技（深圳）有限公司 | Management control method, device, computer equipment and the storage medium that contract is honoured an agreement |
| CN109697664A (en) * | 2018-12-15 | 2019-04-30 | 深圳壹账通智能科技有限公司 | Credit card automatic auditing method, device, equipment and medium based on recognition of face |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1510598A (en) * | 2002-12-21 | 2004-07-07 | 鸿富锦精密工业（深圳）有限公司 | Accounts receivable customer credit administration method |
| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
| CN103020816A (en) * | 2013-01-21 | 2013-04-03 | 孔庆发 | Online virtual currency third-party credit method and data processing system thereof |
| CN104077680A (en) * | 2014-06-09 | 2014-10-01 | 中国建设银行股份有限公司 | Contract management system for E-business platform |
| CN105913219A (en) * | 2016-04-05 | 2016-08-31 | 周宇航 | Method and system used for monitoring and managing whole actuating process of electronic contract |
-
2016
- 2016-12-13 CN CN201611142113.0A patent/CN106709801A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1510598A (en) * | 2002-12-21 | 2004-07-07 | 鸿富锦精密工业（深圳）有限公司 | Accounts receivable customer credit administration method |
| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
| CN103020816A (en) * | 2013-01-21 | 2013-04-03 | 孔庆发 | Online virtual currency third-party credit method and data processing system thereof |
| CN104077680A (en) * | 2014-06-09 | 2014-10-01 | 中国建设银行股份有限公司 | Contract management system for E-business platform |
| CN105913219A (en) * | 2016-04-05 | 2016-08-31 | 周宇航 | Method and system used for monitoring and managing whole actuating process of electronic contract |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107451712A (en) * | 2017-06-02 | 2017-12-08 | 阿里巴巴集团控股有限公司 | A kind of data processing method and equipment |
| CN108280122A (en) * | 2017-12-08 | 2018-07-13 | 上海葵普科技股份有限公司 | The contract management system of configurable contract template |
| CN109118094A (en) * | 2018-08-18 | 2019-01-01 | 北京企信云信息科技有限公司 | A kind of enterprises service application system based on credit system |
| CN109325706A (en) * | 2018-10-15 | 2019-02-12 | 平安科技（深圳）有限公司 | Management control method, device, computer equipment and the storage medium that contract is honoured an agreement |
| CN109697664A (en) * | 2018-12-15 | 2019-04-30 | 深圳壹账通智能科技有限公司 | Credit card automatic auditing method, device, equipment and medium based on recognition of face |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Biekpe | The competitiveness of commercial banks in Ghana | |
| CN106709801A (en) | Account-supporting electronic contract credit management and control system and method | |
| Engert et al. | A tale of two countries: Cash demand in Canada and Sweden | |
| JP5844833B2 (en) | Exchange transaction server related to exchange differences | |
| JPWO2003048990A1 (en) | Storage medium for recording financial product lease transaction program and financial product lease transaction system | |
| CN111640028A (en) | Supply chain financing system and method thereof | |
| JP2014029741A5 (en) | ||
| KR20190143446A (en) | Joint pool service system and method for real estate | |
| Sussangkarn et al. | Ten years after the financial crisis in Thailand: What has been learned or not learned? | |
| CN102024220A (en) | Steel product spot transaction system based on online network | |
| Gandhi | Asset Reconstruction and NPA Management in India | |
| Soejachmoen | Financial inclusion in Indonesia: Moving towards a digital payment system | |
| JP3872474B2 (en) | Deposit Debt Exchange Transaction Server | |
| Meral | Strategic Management of Finance and Role of Documentary Credit | |
| Gutierrez et al. | Financial solutions to support the social and solidarity economy and the role of development banks | |
| Coates et al. | Financing agriculture: Selected approaches for the engagement of commercial finance | |
| JP3996616B2 (en) | Product exchange transaction server, product exchange transaction program, and product exchange transaction support method | |
| JP4405974B2 (en) | Exchange transaction server, exchange transaction program, and exchange transaction support method | |
| Bass et al. | Leasing: A New Option for Microfinance Institutions | |
| Kormendi et al. | Band Privatization in Transition Economies | |
| Shaikh | Fixed Income Assets of Islamic Banks: Moving Forward To Adapt a New Role as a Trading House. | |
| Pramono et al. | Business risk mitigation through “Value-Chain Integrated” financing in Islamic Peer-to-Peer Lending in Indonesia: PT Qazwa Mitra Hasanah's experience | |
| Dorożyńska et al. | The Role of Export Credit Agencies in Trade Financing | |
| WO2020091713A2 (en) | Certificated commercial electronic money issuance, circulation and refund method and system based on the future commercial receivables | |
| Girasa et al. | Securitization and Repos |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| CB02 | Change of applicant information |
Address after: 518000 Hongli West Road, Futian District, Shenzhen City, Guangdong Province, 7018 Triumph Hall A Block 1303 Applicant after: Peng Pingfang Address before: 337000 Family Building of Lotus Pond Community Bus Company, Bayi Street, Anyuan District, Pingxiang City, Jiangxi Province, 60 buildings, 3 units 202 Applicant before: Peng Pingfang |
|
| CB02 | Change of applicant information | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170524 |
|
| WD01 | Invention patent application deemed withdrawn after publication |