CN106845992A - A kind of credit line management method suitable for internet business platform - Google Patents
A kind of credit line management method suitable for internet business platform Download PDFInfo
- Publication number
- CN106845992A CN106845992A CN201610941754.6A CN201610941754A CN106845992A CN 106845992 A CN106845992 A CN 106845992A CN 201610941754 A CN201610941754 A CN 201610941754A CN 106845992 A CN106845992 A CN 106845992A
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- CN
- China
- Prior art keywords
- credit
- interest
- user
- credit line
- transaction
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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.)
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Entitled " a kind of credit line management method suitable for internet business platform " of the invention, it is related to transaction and management method and the system of a kind of platform credit line, the solution of a set of credit administration system is provided for transaction platform, for solve in real world it is a large amount of the need for contradiction after first goods after the transaction of money and internet platform elder generation money between goods, give the money advanced for somebody to be paid back later solution that user is traded using credit line, and then allow the platform side more neatly can be managed to fund with both parties by the transfer mode of credit interest, ensure that the convenience and operability of tripartite.
Description
Technical field
The present invention relates to internet transaction with credit method, a kind of transaction more specifically to platform credit line and
Management method and system.
Background technology
Under the overall situation of current network trading, for the temporarily not ideal user of economic condition, the credit of main flow
Mode of doing business is the mesh for completing to pay using Credit Card Payments or using the credit payment system of internet platform offer
's.
However, this pattern to the economic pressures that user brings be than larger because generally free of interest phase only one of which month,
Second month interest-free phase circulated superposition once crossing interest, can autonomous operation authority it is also smaller with the free degree, therefore it provides it is a kind of certainly
Disperse by degree height, by economic pressures, while will not cause the new transaction with credit mode of puzzlement imperative to transaction platform again.
The content of the invention
The present invention is related to credit management and the computational methods of a kind of internet business platform, it include by server group into
Internet business system, the transaction system includes Registering modules, credit application module, transaction modules, and the server deposits
Storage individual or the login account relevant information of unit.
Personal application, the certification of identity for completing login account in internet business system by Registering modules with unit
Associative operation, and authorize corresponding authority by the record to identity.
The application of credit application module needs qualification, has scale, strong individual or enterprise customer just with examination ＆ approval
Can be applied, so as to ensure that the credit system bad credit rate of network trading platform will not be exceeded.
Transaction modules are divided to buyer and the big role of the seller two, a side to sell article earning money, and a side buys thing using money
Product, here buyer credit then can be used to carry out delivery operation.
System can judge whether the media of exchange that both parties use is credit line, once it is the number for using credit line
According to whether automatically calculating it in the interest-free phase.Such as within the interest-free phase, the seller then needs to hold this credit using function of withdrawing deposit
Load is the interest that buyer exempts within the interest-free phase originally, and interest amount calculation is from paying the moment to exempting from that applicant selects
Breath phase duration terminates, and system will calculate specific interest amount.This credit has such as exceeded the interest-free phase and has started to figure interest,
The seller can then be withdrawn deposit using function of withdrawing deposit with account in full, and interest is undertaken by credit application person buyer, until buyer gives back credit line
Untill.
Brief description of the drawings
Fig. 1 is letter of application use and the flow chart of issue transaction in the present invention.
Specific embodiment
The present invention propose credit line management system structure as shown in figure 1, the system be broadly divided into credit application module and
Transaction modules.By applying completing the birth of credit using credit, the behavior for being traded and withdrawing deposit, give back credit and falling into oblivion
Go out.The function and implementation of each module are described as follows respectively：
First, credit application module
Applicant's condition of credit homepage module is the registered user of transaction platform, it is necessary to user carries out the account note of platform first
Volume is simultaneously logged in.Complete after operation firstly the need of the real-name authentication by transaction platform, due to related to fund, this generic operation is
High safety rank, real-name authentication ensure that the most basic security attribute of transaction from for bottom.
By the way that after real-name authentication, user can carry out the application operation of credit, it is necessary to user to the application page of credit
All qualifications and material needed for submitting credit accreditation to, and the interest-free phase of credit is selected, after being finally committed to transaction platform in the lump
Platform is audited.
Examination ＆ verification can preserve all data such as credit application amount, interest-free phase by rear server, and user is that credit can be used
Amount is traded operation.
After the trading activity of user terminates, user needs to give back credit line, and now system needs to judge that user gives back
The period of credit line, whether also within the interest-free phase such as still in the interest-free phase, then user gave back credit line without paying additionally
Interest；As the interest-free phase has terminated, user gives back the relevant regulations interest payment that credit line then needs according to transaction platform side.
2nd, transaction modules
The publisher of transaction modules is the seller, and the seller is after transaction platform issue Transaction Information, once there is the buyer of transactions demand
Into the page and transaction payment is carried out, buyer obtains commodity, the seller obtains trade gold.
Buyer is once paid using credit line, and system will calculate whether its credit line belongs to the interest-free phase.One
The denier seller needs that operation of withdrawing deposit will be carried out using credit line as the trade gold for paying medium, and whether system will belong to according to it
Corresponding operation is carried out in the interest-free phase：In the interest-free phase, then the seller need to replace buyer accept credit line from the applying date to
Withdraw deposit the credit interest of day, depending on number is according to the rule of transaction platform；Beyond the interest-free phase, then the seller can pay and appoint
What interest, fully withdraws deposit.
Above method ensure that flat by ensureing the transfer system of credit interest the operation free degree of both parties
Platform side will not be subject to the interest burden that this management system is brought, it is ensured that the final purpose of tripartite's win-win.
Method prospect
The present invention provides the solution of a set of credit administration system for transaction platform, substantial amounts of in real world for solving
The contradiction after the transaction of money and internet platform elder generation money between goods after first goods is needed, user is given and is traded using credit line
Money advanced for somebody to be paid back later solution, and then allow the platform side can be more neatly right with both parties by the transfer mode of credit interest
Fund is managed, it is ensured that the convenience and operability of tripartite.
Claims (6)
1. a kind of credit line management method suitable for internet business platform, it is characterised in that including：
User can apply for that the credit line of platform replaces paying in cash as medium is paid；The specific number user of credit line can
From main application；The interest-free phase duration user of credit line can be from main application.
2. method according to claim 1, it is characterised in that the credit application that user submits to needs to be examined by system background
Core, examination ＆ verification condition includes：
Client is divided into enterprise customer and personal user, and enterprise customer needs to submit business license, contact address, telephone number, method to
The credit application book of people's signature；Personal user needs to submit ID card information, contact address, telephone number, the letter of idiograph to
Use application.
3. method according to claim 2, it is characterised in that whether the size of enterprise customer's application amount is ratified to depend on
Whether the scale of user affiliated unit, property, qualification are complete；Whether the size of personal user's application amount is ratified to depend on individual
Whether the income situation of user, real estate situation meet the requirements.
4. method according to claim 1, it is characterised in that user can be without repaying using credit line within the interest-free phase
Interest, the interest-free phase terminate after the i.e. automatic interest volume by letter of application protocol conventions bear interest.
5. method according to claim 4, it is characterised in that by trading activity, a wherein side of transaction can earn
The expense of transaction is completed using credit line, now money-making side wants to obtain real currency by function of withdrawing deposit, and system can root
It is whether interest-free because of credit to reduce transaction platform side to make certain treatment in the interest-free phase according to this credit line expense
Phase can independently set brought interest reversal.
6. method according to claim 5, it is characterised in that the credit line within the interest-free phase, in credit application side
Before not repaying this credit, a side of this credit is obtained by concluding the business as wanted to withdraw deposit, need to undertake interest-free time difference phase institute
The interest brought；After credit application side pays off this credit, the side that transaction gold is obtained by concluding the business such as wants to withdraw deposit
Any interest need not then be paid.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610941754.6A CN106845992A (en) | 2016-10-26 | 2016-10-26 | A kind of credit line management method suitable for internet business platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610941754.6A CN106845992A (en) | 2016-10-26 | 2016-10-26 | A kind of credit line management method suitable for internet business platform |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106845992A true CN106845992A (en) | 2017-06-13 |
Family
ID=59146418
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610941754.6A Pending CN106845992A (en) | 2016-10-26 | 2016-10-26 | A kind of credit line management method suitable for internet business platform |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106845992A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019109956A1 (en) * | 2017-12-08 | 2019-06-13 | 深圳壹账通智能科技有限公司 | Category ii account-based payment method, payment system, and readable storage medium |
| CN110503299A (en) * | 2019-07-16 | 2019-11-26 | 阿里巴巴集团控股有限公司 | Fiduciary project of fund sustenance determines method and device |
-
2016
- 2016-10-26 CN CN201610941754.6A patent/CN106845992A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019109956A1 (en) * | 2017-12-08 | 2019-06-13 | 深圳壹账通智能科技有限公司 | Category ii account-based payment method, payment system, and readable storage medium |
| CN110503299A (en) * | 2019-07-16 | 2019-11-26 | 阿里巴巴集团控股有限公司 | Fiduciary project of fund sustenance determines method and device |
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| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
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| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170613 |