CN107194812A

CN107194812A - The service system and its method of supplier's assignment of credit

Info

Publication number: CN107194812A
Application number: CN201710386317.7A
Authority: CN
Inventors: 刘江; 赵红军; 宋文东; 白静; 柏晓琳; 张岩; 刘长波; 程菲; 姜勇
Original assignee: In Cloud Chain (beijing) Financial Information Services Ltd
Current assignee: In Cloud Chain (beijing) Financial Information Services Ltd
Priority date: 2017-05-26
Filing date: 2017-05-26
Publication date: 2017-09-22

Abstract

A kind of service system and its method of supplier's assignment of credit, including communicate the background terminal for being allocated to intermediate facilitator being connected with station terminal before station terminal and the 3rd before station terminal, second before first；Station terminal includes enquiry module and confirms module before described first；Station terminal includes the first input module, the first transport module and the first preserving module before second；Station terminal includes display module before 4th.The ability of business administration accounts payable is effectively raised with reference to its method, on the premise of Payment Plan is not changed efficiency in the use of funds is improved, has saved cost.

Description

The service system and its method of supplier's assignment of credit

Technical field

The present invention relates to financial technology field, and in particular to a kind of service system and its method of supplier's assignment of credit.

Background technology

The assignment of credit (CreditAssignment) assignment of credit is also known as " credits transference ", refers to do not changing treaty content Assignment of contract, creditor settled a bargain by the assignment of credit third party and shifts all or part of credits in the third party.Debt The whole transference third party of power, the former creditor of third party's substitution turns into the new creditor of former contractual relation, former contract creditor because Assignment of contract and lose contract right of creditor, the credits part transference third party, the third party is added to original as contract creditor Among contractual relation, as new creditor, the credits relation in contract becomes more people by people's parameter people or by several people.It is new to add Enter the creditor of contract and former creditor's share credits, and shared joint credit.The 79th article of contract law is also advised in plain text It is fixed：The right of contract can be transferred the third party in whole or in part by creditor.

Reverse factoring refers to that debtor proposes to chat to do factoring industry as the promoter or leading people of factoring business to factoring business After being engaged in and agreeing to through creditor, premised on creditor transfers the possession of its account receivable, trade fund is provided for creditor by factoring business A kind of comprehensive financial service modes of the services such as accounting management is collected, sold to circulation, credit risk guarantee, account receivable.It is existing With the presence of the assignment of credit and reverse factoring drawback of linking up that cost is higher, transaction flow is cumbersome etc..

The content of the invention

To solve the above problems, the invention provides a kind of service system and its method of supplier's assignment of credit, effectively So that assignment of credit process risk is small, credits authenticity need not be verified separately.

In order to overcome deficiency of the prior art, the invention provides a kind of service system of supplier's assignment of credit and its The solution of method, it is specific as follows：

A kind of service system of supplier's assignment of credit, including be allocated to station terminal before first of group company in itself, match somebody with somebody Put to station terminal before the second of the subsidiary of group company, be allocated to supplier the 3rd before station terminal and be allocated to supplier Station terminal before the 4th of the cooperative bank docked during the assignment of credit, in addition to first before station terminal, before station terminal, second Station terminal communicates the background terminal for being allocated to intermediate facilitator of connection before station terminal and the 4th before three；The cooperative bank Can also be factoring company or other financial institutions；

Station terminal includes enquiry module and confirms module before described first；

Station terminal includes the first input module, the first transport module and the first preserving module before described second；

The background terminal includes typing module, delivery module and cloud letter generation module；

Station terminal includes the second input module, the second transport module and the second preserving module before described 3rd；

Station terminal includes display module before described 4th.

Further, station terminal is the first mobile intelligent terminal, the first PC or the first notebook electricity before described first Brain；

Station terminal includes the second mobile intelligent terminal, the second PC or the second notebook computer before described second；

The background terminal is background server, the 3rd mobile intelligent terminal, the 3rd PC or the 3rd notebook computer；

Station terminal includes the 4th mobile intelligent terminal, the 4th PC or the 4th notebook computer before described 3rd；

Station terminal includes the 5th mobile intelligent terminal, the 5th PC or the 5th notebook computer before described 4th.

Further, it is described be allocated to group company in itself first before station terminal, be allocated to the 3rd foreground of supplier Terminal, be allocated to the subsidiary of group company second before station terminal, be allocated to the cooperation docked during supplier's assignment of credit Station terminal and it is allocated to the background terminal of intermediate facilitator before the 4th of bank and constitutes the internet based on cloud platform.

Further, the typing module is used for the subsidiary of the group company the mandate amount for being assigned with group company Title and group company subsidiary available accrediting amount typing and be saved in the background terminal；

The enquiry module is used for sending the background terminal for being allocated to intermediate facilitator the available credit volume for inquiring about distribution The solicited message of degree；

The delivery module be used for the title of the subsidiary of the group company of the mandates amount for being assigned with group company with Station terminal before the available accrediting amount of the subsidiary of group company returns to described first；

The confirmation module is used for sending confirmation to the background terminal；

First input module is used for inputting, the promise to pay amount of money, promise to undertake the day of payment, the title of supplier and supplier Tax Registration Certificate number；

First transport module is used for the Bank Account Number tax of the promise day of payment, the title of supplier and supplier to step on Note card number is sent to the background terminal；Supplier is allocated to for the main cloud letter received is sent to promise to pay letter The 3rd before station terminal；

The cloud letter generation module is used for generating the title including subsidiary, the promise to pay amount of money, promises to undertake the day of payment, supply The main Yun Xinhe of the title of business, the Tax Registration Certificate number of supplier and cloud letter the numbering only title including the subsidiary, payment The amount of money, promise to pay and the promise to pay letter for promising to undertake the day of payment are promised to undertake, and the main cloud letter and promise to pay letter of the generation are returned It is allocated to before described the second of the subsidiary station terminal and is stored in the background terminal；For generating including the supplier's Docked when the title for the cooperative bank docked when title, credits number, supplier's assignment of credit and supplier's assignment of credit Cooperative bank Tax Registration Certificate number and sub- cloud letter numbering sub- cloud letter；

Institute is right when second input module is used for inputting the title of the supplier, credits number, supplier's assignment of credit The Tax Registration Certificate number for the cooperative bank docked when the title of the cooperative bank connect, supplier's assignment of credit；For this is connect Sub- cloud letter, promise to pay letter, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit received is sent to It is allocated to station terminal before the 4th of the cooperative bank docked during supplier's assignment of credit；

Second transport module is docked when being used for the title of the supplier, credits number, supplier's assignment of credit Cooperative bank title, supplier's assignment of credit when docked cooperative bank Tax Registration Certificate number, for the assignment of credit Electronic contract and be sent to the background terminal for the electronic invoice of the assignment of credit and preserved；

The display module is used for the sub- cloud letter received, the electronic contract for the assignment of credit and for the assignment of credit Electronic invoice shown and be stored in the 4th before in station terminal；

First preserving module is used for station terminal before the main cloud letter and promise to pay letter that receive are stored in the 3rd In.

Further, the method for the service system of described supplier's assignment of credit, step is as follows：

Step 1：Recommend business with guarantee and recommend the credit application material of business in itself with guarantee to financial institution's submission, financial institution utilizes and recommends business with guarantee The credit application material of itself draws the accrediting amount for recommending business with guarantee, or recommends this with guarantee business existing accrediting amount progress cutting with true Accreditation distribution amount, the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；Step 2：Then the financial institution, intermediate facilitator And the business that recommends with guarantee that group company specifies signs tripartite agreement jointly, cloud letter is arranged in the tripartite agreement by recommending business's confirmation with guarantee Subsidiary is opened, and is recommended business with guarantee and is undertaken obligation under bond to the subsidiary that group company specifies；

Step 3：Group company confirms or arranged by credit subsidiary in the protocol with financial institution in itself, in the agreement Including including allowing group company in itself the credit of group company by the content of the inventory of credit subsidiary title, the agreement Amount freely distributes to the subsidiary of group company, and the group company both can separately subscribe to the agreement confirmation quilt with financial institution Credit subsidiary, can also directly be arranged by credit subsidiary by the tripartite agreement；

Step 4：Recommend business with guarantee and the accrediting amount of group company is distributed in itself the subsidiary of group company and be used as group public The available accrediting amount of the subsidiary of department, then provides financial institution written inventory, and the content of the written inventory is It is assigned with the title of the subsidiary of the group company of the accrediting amount of group company；Here the subsidiary of group company is described Confirm or agreement by credit subsidiary；

Step 5：By be allocated to intermediate facilitator background terminal typing module the mandate for being assigned with group company The available accrediting amount typing of the title of the subsidiary of the group company of amount and the subsidiary of group company is simultaneously saved in described In background terminal；

Step 6：Then by being allocated to the enquiry module of station terminal before first of group company in itself to being allocated to centre The background terminal of service provider sends the solicited message of the available accrediting amount of inquiry distribution, and station terminal receives this and asked in the rear Ask after information, just start title of the delivery module the subsidiary of the group company for the mandate amount for being assigned with group company Station terminal before returning to described first with the available accrediting amount of the subsidiary of group company, by confirming module pair after confirmation is errorless The background terminal sends confirmation；

Step 7：The subsidiary of the group company provides main cloud to supplier with liability and believed, described to provide main cloud letter Method be：

The subsidiary of the group company first carries out real-name authentication and provides the qualification that main cloud is believed to obtain, then by configuring Inputted the title of the subsidiary to the first input module of station terminal before described the second of the subsidiary, the promise to pay amount of money, The Tax Registration Certificate number of the day of payment, the title of supplier and supplier are promised to undertake, then first transport module is the subsidiary Title, the promise to pay amount of money of input, promise to undertake that the day of payment, the title of supplier and the Tax Registration Certificate number of supplier are sent to The background terminal is preserved, and the operation generation module in such background terminal just generates the title including the subsidiary, paid Money promises to undertake the amount of money, promises to undertake the main cloud letter of the day of payment, the title of supplier, the Tax Registration Certificate number of supplier and main cloud letter numbering The only title including the subsidiary, the promise to pay amount of money, promise to pay and the promise to pay letter for promising to undertake the day of payment, and this is given birth to Into main cloud letter and promise to pay letter return to be allocated to the subsidiary described second before station terminal and to be stored in the backstage whole In end, station terminal receives the first transport module of station terminal before main Yun Xinhou, described second and just this is received before described second To main cloud letter and promise to pay letter be sent to the be allocated to supplier the 3rd before station terminal, the 3rd foreground of the supplier is whole Before the main cloud letter and promise to pay letter that receive just are stored in the 3rd by first preserving module at end in station terminal, the main cloud The numbering of letter is the unique identifier for identifying the main cloud letter, and the main cloud letter is a kind of electronics acceptance and guarantee voucher, and the electronics is held Promise evidence for payment is described as the voucher promise to pay amount of money repaid in defined promise day of payment subsidiary to supplier The promise to pay amount of money is no more than the available accrediting amount of the subsidiary；The mode that the main cloud letter is stored in the background terminal is The main cloud letter is stored in the database of the background terminal；

Step 8：Under conditions of there is main cloud to believe for the supplier, when the supplier can be to supplier's assignment of credit The cooperative bank docked provides sub- cloud letter to realize the assignment of credit, and the sub- cloud letter of offer is come the method for realizing the assignment of credit It is：

By being allocated to the supplier the 3rd before station terminal the second input module come input the supplier title, The cooperation docked when the title of the cooperative bank docked when credits number, supplier's assignment of credit, supplier's assignment of credit The Tax Registration Certificate number of bank, then before the 3rd of the supplier second transport module of station terminal the name of the supplier The conjunction docked when the title of the cooperative bank docked when title, credits number, supplier's assignment of credit, supplier's assignment of credit Make bank Tax Registration Certificate number, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit be sent to it is described Background terminal is preserved, and the cloud letter generation module in such background terminal just generates the title including the supplier, credits number The cooperative bank docked when the title for the cooperative bank docked when volume, supplier's assignment of credit and supplier's assignment of credit The sub- cloud letter of Tax Registration Certificate number and sub- cloud letter numbering, then to the electronic contract for the assignment of credit and for the assignment of credit Electronic invoice carry out first trial, the sub- cloud of generation letter and promise to pay letter are returned to the 3rd of the supplier after first trial is errorless Preceding station terminal and it is stored in the background terminal, station terminal is received after sub- cloud letter and promise to pay letter before the described 3rd, institute State sub- cloud letter, promise to pay letter that the second input module of station terminal before the 3rd of supplier just receives this, for credits The electronic contract of transfer and electronic invoice for the assignment of credit are sent to the conjunction for being allocated to and being docked during supplier's assignment of credit Make station terminal before the 4th of bank, it is described be allocated to the cooperative bank docked during supplier's assignment of credit the 4th before station terminal Display module just the sub- cloud letter, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit that receive are entered Before row shows and is stored in the 4th in station terminal, then auditor audits to the sub- cloud letter, and the examination ＆ verification is examination The authenticity of sub- cloud letter and its legitimacy held, the assignment of credit, institute are carried out after examination ＆ verification is errorless according to credits number to supplier The numbering for stating sub- cloud letter is the unique identifier of the sub- cloud letter of the numbering that mark includes main cloud letter, and the sub- cloud letter is a kind of electricity Sub- acceptance and guarantee voucher, the electronics acceptance and guarantee voucher repays credits number as in defined promise day of payment supplier To it is described be allocated to supplier's assignment of credit when the voucher of cooperative bank that is docked, the credits number is no more than the supplier The Yun Xinshang possessed the promise to pay amount of money；The mode that the sub- cloud letter is stored in the background terminal is that the sub- cloud letter is preserved In the rear in the database of station terminal.

Further, what the group company specified recommend with guarantee business for group company in itself or the group that specifies other are public Department.

Beneficial effects of the present invention are：

The invention enables assignment of credit process risk is small, credits authenticity need not be verified separately.

Brief description of the drawings

Fig. 1 is the structural representation of the service system of supplier's assignment of credit of the present invention.

Embodiment

The present invention is described further below in conjunction with drawings and examples.

Embodiment 1

1 understand with reference to the accompanying drawings, the service system of supplier's assignment of credit of the present embodiment, including be allocated to group company's sheet Station terminal before the first of body, be allocated to the subsidiary of group company second before station terminal, be allocated to the 3rd foreground of supplier Terminal and be allocated to the cooperative bank docked during supplier's assignment of credit the 4th before station terminal, in addition to the first foreground Station terminal communicates the intermediate facilitator that is allocated to of connection before station terminal and the 4th before station terminal, the 3rd before terminal, second Background terminal；The cooperative bank can also be factoring company or other financial institutions；

Station terminal includes display module before described 4th.

The method of the service system of described supplier's assignment of credit, step is as follows：

Step 4：Recommend business with guarantee and the accrediting amount of group company is distributed to the subsidiary of group company and be used as group company The available accrediting amount of subsidiary, then provides financial institution written inventory, the content of the written inventory is distribution The title of the subsidiary of the group company of the accrediting amount of group company；Here the subsidiary of group company confirms to be described Or agreement by credit subsidiary；

Step 7：The subsidiary of the group company first carries out real-name authentication and provides the qualification that main cloud is believed to obtain, Ran Houtong The first input module of station terminal before be allocated to the subsidiary described second is crossed to input title, the promise to pay of the subsidiary The amount of money, the Tax Registration Certificate number for promising to undertake the day of payment, the title of supplier and supplier, then first transport module is the son The title of company, the promise to pay amount of money of input, the Tax Registration Certificate number hair for promising to undertake the day of payment, the title of supplier and supplier It is sent to the background terminal to be preserved, the operation generation module in such background terminal just generates the name including the subsidiary What title, the promise to pay amount of money, the promise day of payment, the title of supplier, the Tax Registration Certificate number of supplier and main cloud letter were numbered Main the Yun Xinhe only title including the subsidiary, the promise to pay amount of money, promise to pay and the promise to pay letter for promising to undertake the day of payment, and Station terminal and it is stored in described before the main cloud of generation letter and promise to pay letter are returned to be allocated to the subsidiary described second In background terminal, before described second station terminal receive the first transport module of station terminal before main Yun Xinhou, described second just Station terminal, the 3rd of the supplier the before the main cloud received letter and promise to pay letter are sent to the be allocated to supplier the 3rd Before the main cloud letter and promise to pay letter that receive just are stored in the 3rd by the first preserving module of preceding station terminal in station terminal, institute The numbering for stating main cloud letter is the unique identifier for identifying the main cloud letter, and the main cloud letter is a kind of electronics acceptance and guarantee voucher, should Electronics acceptance and guarantee voucher as it is defined promise the day of payment subsidiary the promise to pay amount of money repay to supplier with Card, the promise to pay amount of money is no more than the available accrediting amount of the subsidiary；The main cloud letter is stored in the background terminal Mode be that the main cloud letter is stored in the database of the background terminal；

The present embodiment has the beneficial effect that：

So that assignment of credit process risk is small, credits authenticity need not be verified separately.

Embodiment 2

Station terminal includes display module before described 4th.

Station terminal is the first mobile intelligent terminal, the first PC or the first notebook computer before described first；

Station terminal includes the 5th mobile intelligent terminal, the 5th PC or the 5th notebook computer before described 4th.It is described First mobile intelligent terminal is the first smart mobile phone, the first PDA or the first tablet personal computer；The second mobile intelligent terminal bag Include the second smart mobile phone, the 2nd PDA or the second tablet personal computer；3rd mobile intelligent terminal include the 3rd smart mobile phone, 3rd PDA or the 3rd tablet personal computer.4th mobile intelligent terminal includes the 4th smart mobile phone, the 4th PDA or fourth panel Computer.5th mobile intelligent terminal includes the 5th smart mobile phone, the 5th PDA or the 5th tablet personal computer.

It is described be allocated to group company in itself first before station terminal, be allocated to supplier the 3rd before station terminal, configuration To group company subsidiary second before station terminal, be allocated to supplier's assignment of credit when docked the 4th of cooperative bank Preceding station terminal and it is allocated to the background terminal of intermediate facilitator and constitutes the internet based on cloud platform.

The typing module be used for the title of the subsidiary of the group company of the mandates amount for being assigned with group company with The available accrediting amount typing of the subsidiary of group company is simultaneously saved in the background terminal；

Step 7：

The subsidiary of the group company provides main cloud to supplier with liability and believed, the method for providing main cloud letter It is：

Step 8：

Under conditions of there is main cloud to believe for the supplier, the supplier is docked when can be to supplier's assignment of credit Cooperative bank sub- cloud letter is provided to realize the assignment of credit, the sub- cloud letter of offer is come the method for realizing the assignment of credit：

By being allocated to the supplier the 3rd before station terminal the second input module come input the supplier title, The cooperation docked when the title of the cooperative bank docked when credits number, supplier's assignment of credit, supplier's assignment of credit The Tax Registration Certificate number of bank, then before the 3rd of the supplier second transport module of station terminal the name of the supplier The conjunction docked when the title of the cooperative bank docked when title, credits number, supplier's assignment of credit, supplier's assignment of credit Make bank Tax Registration Certificate number, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit be sent to it is described Background terminal is preserved, and the cloud letter generation module in such background terminal just generates the title including the supplier, credits number The cooperative bank docked when the title for the cooperative bank docked when volume, supplier's assignment of credit and supplier's assignment of credit The sub- cloud letter of Tax Registration Certificate number and sub- cloud letter numbering, then to the electronic contract for the assignment of credit and for the assignment of credit Electronic invoice carry out first trial, the sub- cloud of generation letter and promise to pay letter are returned to the 3rd of the supplier after first trial is errorless Preceding station terminal and it is stored in the background terminal, station terminal is received after sub- cloud letter and promise to pay letter before the described 3rd, institute State sub- cloud letter, promise to pay letter that the second input module of station terminal before the 3rd of supplier just receives this, for credits The electronic contract of transfer and electronic invoice for the assignment of credit are sent to the conjunction for being allocated to and being docked during supplier's assignment of credit Make station terminal before the 4th of bank, it is described be allocated to the cooperative bank docked during supplier's assignment of credit the 4th before station terminal Display module just the sub- cloud letter, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit that receive are entered Before row shows and is stored in the 4th in station terminal, then auditor audits to the sub- cloud letter, and the examination ＆ verification is examination The authenticity of sub- cloud letter and its legitimacy held, the assignment of credit, institute are carried out after examination ＆ verification is errorless according to credits number to supplier The numbering for stating sub- cloud letter is the unique identifier of the sub- cloud letter of the numbering that mark includes main cloud letter, and the sub- cloud letter is a kind of electricity Sub- acceptance and guarantee voucher, the electronics acceptance and guarantee voucher repays credits number as in defined promise day of payment supplier To it is described be allocated to supplier's assignment of credit when the voucher of cooperative bank that is docked, the credits number is no more than the supplier The Yun Xinshang possessed the promise to pay amount of money；The mode that the sub- cloud letter is stored in the background terminal is that the sub- cloud letter is preserved In the rear in the database of station terminal.Group company in itself can also award the available of the subsidiary for having distributed to group company Letter amount is adjusted, that is, increases or decreases the available accrediting amount of the group company, this is to be allocated to centre by described Title, adjustment type of the typing module of the background terminal of service provider the subsidiary for the group company that have adjusted available credit volume Amount typing and it is saved in adjustment in the background terminal.The adjustment type includes increase and reduces both adjustment classes Type.

What the group company specified recommend with guarantee business for group company in itself or other companies of group for specifying.

The present embodiment has the beneficial effect that：

Embodiment 3

Station terminal includes display module before described 4th.

Step 1：Recommend business with guarantee and recommend the credit application material of business in itself with guarantee to financial institution's submission, financial institution utilizes and recommends business with guarantee The credit application material of itself draws the accrediting amount for recommending business with guarantee, or recommends this with guarantee business existing accrediting amount progress cutting with true Accreditation distribution amount, the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；

Step 2：Then the business that recommends with guarantee that the financial institution, intermediate facilitator and group company specify signs tripartite jointly Cloud letter is arranged in agreement, the tripartite agreement to be opened by the subsidiary for recommending business's confirmation with guarantee, has recommended business with guarantee and group company is specified Subsidiary undertake obligation under bond；

Step 7：

Step 8：

The present embodiment has the beneficial effect that：

Confirmation is transferred to background terminal by the service system of supplier's assignment of credit via confirmation module, and backstage is whole End get after confirmation, be responsible for background terminal keeper will via background terminal via confirm module to supplier's debt Weigh the service system transmission response data transferred the possession of.

But keeper is unable to real-time Transmission response data when handling other affairs so that transmission response real-time property It is not enough.

The method of the transmission response data includes：

Smart mobile phone is configured with oneself to the keeper for being responsible for background terminal in advance, and the smart mobile phone is via in network PC is connected with background terminal；

Then smart mobile phone obtains the confirmation of PC transmission, and the confirmation is that background terminal is transferred to the PC The machine and PC is transmitted to the smart mobile phone when meeting sets requirement；

The smart mobile phone obtains the response data of the typing for the confirmation；

The response data is transferred to the PC by the smart mobile phone, and the PC is transferred to the response data The background terminal；

The smart mobile phone is obtained before the confirmation of PC transmission, in addition to：

The smart mobile phone builds transmissions links with the PC；

The smart mobile phone obtains the login ID of the keeper of the PC transmission via the transmissions links, and described The login ID of the keeper is logged in smart mobile phone, the login ID of the keeper is the login for transmitting the confirmation ID；

The sets requirement is：

The dialog box that the PC is now shown is not the transmission dialog box of the confirmation；Or,

The start button that the PC is currently in screen protection state and the PC is in setting state, the setting shape State is used to agree that the PC transmits confirmation to the smart mobile phone；Or, got within the period 1 described The conventional data of smart mobile phone transmission, the period 1 terminate time point be the PC obtain the confirmation when Point, the conventional data are obtained by the smart mobile phone according to the confirmation obtained in conventional time point；Or, the PC is just Maintenance program is set in operation；

Methods described, in addition to：

Started the clock when getting the confirmation, smart mobile phone detection start in the calculating time the Whether the response data of typing is got in two cycles；

When the response data is not got within the second round, the smart mobile phone is transmitted to the PC The response data of the setting is transferred to the background terminal, the response of the setting by the response data of setting, the PC Data are voice data or character data；

The smart mobile phone obtains the response data of the typing for the confirmation, including：

The smart mobile phone detects user activated response command, wherein the response command is acoustic frequency response order or word Accord with response command；

When the response command is acoustic frequency response order, the smart mobile phone obtains the typing for the confirmation Voice data；

When the response command is character response order, the smart mobile phone is to the character that is prestored in the smart mobile phone Data are shown, obtain user activated data decimation order, the character for obtaining the response data decimation order and returning Data；

Methods described, in addition to：

The smart mobile phone is to the use of the service system of each supplier's assignment of credit stored in the smart mobile phone Person's login ID is shown；

The smart mobile phone obtains login ID and chooses order, obtains the supply that the response login ID is chosen order and returned User's login ID of the service system of business's assignment of credit；

User's login ID of the service system of supplier's assignment of credit of acquisition is transferred to by the smart mobile phone The PC, the PC is transmitted really in the user's login ID for the service system for getting supplier's assignment of credit When recognizing information, the confirmation is not forwarded to the smart mobile phone；

Methods described includes：

Smart mobile phone obtains the physical address of background terminal；

The smart mobile phone obtains the confirmation of typing；

The confirmation and the physical address are transferred to PC by the smart mobile phone, and the PC is according to the thing Reason address determines the background terminal, and the confirmation is transferred into the background terminal；

The confirmation and the physical address are transferred to before PC by the smart mobile phone, in addition to：

The smart mobile phone builds transmissions links with the PC；

When the physical address is user's login ID of the service system of supplier's assignment of credit, the smart mobile phone The physical address of background terminal is obtained, including：

The smart mobile phone is to the service of the supplier's assignment of credit of each background terminal stored in the smart mobile phone User's login ID of system is shown, is obtained login ID and is chosen order, will be responded the login ID and be chosen order and return User's login ID of service system of supplier's assignment of credit be defined as the supplier assignment of credit of the background terminal User's login ID of service system；Or,

The smart mobile phone obtains user's information of the service system of supplier's assignment of credit of typing, detects the intelligence The supplier's debt whether being stored with user's information match of the service system of supplier's assignment of credit in energy mobile phone The user's login ID for the service system transferred the possession of is weighed, when the clothes with supplier's assignment of credit that are stored with the smart mobile phone During user's login ID of the service system of supplier's assignment of credit of user's information match of business system, by the supply User's login ID of the service system of business's assignment of credit is defined as the service system of supplier's assignment of credit of the background terminal User's login ID of system；When the user with the service system of supplier's assignment of credit is not stored in the smart mobile phone During user's login ID of the service system of supplier's assignment of credit of information match, by the clothes of supplier's assignment of credit User's information transfer of business system gives the PC, obtains the service with supplier's assignment of credit of the PC transmission User's login ID of the service system of supplier's assignment of credit of user's information match of system, by supplier's debt The user's login ID for the service system that power is transferred the possession of is defined as the service system of supplier's assignment of credit of the background terminal User's login ID；

The smart mobile phone obtains the confirmation of typing, including：

The smart mobile phone detection user activated transmission order, wherein the transmission order is audio transmission order or word Symbol transmission order；

When the transmission order is audio transmission order, the smart mobile phone obtains the voice data of typing；

When the transmission order is character transmission order, the smart mobile phone is to the character that is prestored in the smart mobile phone Data are shown, obtain user activated data decimation order, the character for obtaining the response data decimation order and returning Data；

Methods described includes：

PC obtains the confirmation of background terminal transmission；

The PC detects whether the PC meets sets requirement；

When the PC meets the sets requirement, the confirmation is transferred to smart mobile phone by the PC；

The PC obtains the response data of the smart mobile phone transmission, and the response data is transferred into the backstage Terminal, the response data is entered into the smart mobile phone for the confirmation；

The confirmation is transferred to before smart mobile phone by the PC, in addition to：

The PC builds transmissions links with the smart mobile phone；

The login ID of keeper is transferred to the smart mobile phone, the intelligent hand by the PC via the transmissions links Machine logs in the login ID of the keeper, and the login ID of the keeper is the login ID for transmitting the confirmation；

The PC detects whether the PC meets sets requirement, including：

The PC detect dialog box that the PC currently shows whether be the confirmation transmission dialog box； Or,

The PC detects that whether the PC is currently in screen protection state, and detect that the start button in the PC is No to be in setting state, the setting state is used to agree that the PC transmits confirmation to the smart mobile phone；Or Person,

The PC detects whether the PC gets the conventional data of the smart mobile phone transmission within the period 1, The time point that terminates of the period 1 is the time point that the PC obtains the confirmation, and the conventional data are by the intelligence Mobile phone is obtained according to the confirmation obtained in conventional time point；Or,

The PC detects whether the PC is currently running setting maintenance program；

Methods described, in addition to：

The PC obtains the setting response data of the smart mobile phone transmission, and the setting response data is transferred into institute Background terminal is stated, the response data that sets is voice data or character data, and the setting response data is the intelligent hand Machine is started the clock when getting the confirmation, and does not get typing within the second round that the calculating time starts Response data after transmit；

The confirmation is transferred to after smart mobile phone by the PC, in addition to：

The PC obtains the character data of the smart mobile phone transmission, and it is whole that the character data is transferred into the backstage End, the character data by the smart mobile phone when getting character response order, respond the character response order and from Choose and obtain in the character data prestored, the character response order is user activated response command；

Methods described, in addition to：

The PC obtains user's login ID of the service system of supplier's assignment of credit of the transmission confirmation；

The PC detects that the user of the service system for supplier's assignment of credit that the smart mobile phone is transmitted in advance steps on Record the user's login ID for the service system for whether including supplier's assignment of credit in ID；

When user's login ID of the service system for supplier's assignment of credit that the smart mobile phone is transmitted in advance includes During user's login ID of the service system of supplier's assignment of credit, the confirmation letter is not forwarded to the smart mobile phone Breath；

Methods described includes：

PC obtains the confirmation of smart mobile phone transmission and the physical address of background terminal；

The PC determines the background terminal according to the physical address；

The PC transmits the confirmation to the background terminal；

The PC is obtained before the confirmation of smart mobile phone transmission and the physical address of background terminal, in addition to：

The PC builds transmissions links with the smart mobile phone；

When the physical address is user's login ID of the service system of supplier's assignment of credit, the PC is obtained Before the confirmation of smart mobile phone transmission and the physical address of background terminal, in addition to：

The PC obtains user's information of the service system of supplier's assignment of credit of the smart mobile phone transmission, institute The user's information for stating the service system of supplier's assignment of credit is not stored and supplier's credits in the smart mobile phone Passed during user's login ID of the service system of supplier's assignment of credit of user's information match of the service system of transfer It is defeated by the PC；

The PC detects the use whether being stored with the service system of supplier's assignment of credit in the PC User's login ID of the service system of supplier's assignment of credit of person's information match；

When being stored with the PC and user's information match of the service system of supplier's assignment of credit During user's login ID of the service system of supplier's assignment of credit, the PC is by the service system of supplier's assignment of credit User's login ID of system is transferred to the smart mobile phone, and the smart mobile phone is by the service system of supplier's assignment of credit User's login ID be defined as the background terminal supplier's assignment of credit service system user's login ID；

The PC obtains the confirmation of smart mobile phone transmission and the physical address of background terminal, including：

The PC obtains the character data and physical address of the smart mobile phone transmission, and the character data is by the intelligence Energy mobile phone responds the character transmission order and chosen from the character data prestored when getting character transmission order Arrive, the character transmission order is user activated transmission order.

This makes it possible to responded when keeper handles other affairs by smart mobile phone.

The present invention is described in the way of brief description of the drawings above, it will be understood by those of skill in the art that the disclosure Embodiments described above is not limited to, in the case of without departing from the scope of the present invention, can make a variety of changes, change and replace Change.

Claims

1. a kind of service system of supplier's assignment of credit, including it is allocated to station terminal before first of group company in itself, configuration To group company subsidiary second before station terminal, be allocated to supplier the 3rd before station terminal and be allocated to supplier's debt Power docked when transferring the possession of the 4th of cooperative bank before station terminal, it is characterised in that also including with first before before station terminal, second Station terminal communicates the background terminal for being allocated to intermediate facilitator of connection before station terminal and the 3rd；The cooperative bank also may be used To be factoring company or other financial institution；

Station terminal includes display module before described 4th.

2. the service system of supplier's assignment of credit according to claim 1, it is characterised in that station terminal before described first For the first mobile intelligent terminal, the first PC or the first notebook computer；

3. the service system of supplier's assignment of credit according to claim 1, it is characterised in that described to be allocated to group's public affairs Station terminal before the first of department itself, be allocated to supplier the 3rd before station terminal, be allocated to group company subsidiary second Preceding station terminal, be allocated to the cooperative bank docked during supplier's assignment of credit the 4th before station terminal and be allocated to middle clothes The background terminal of business business constitutes the internet based on cloud platform.

4. the service system of supplier's assignment of credit according to claim 1, it is characterised in that the typing module is used for The title of the subsidiary of the group company for the mandate amount for being assigned with group company and the available of subsidiary of group company are awarded Letter amount typing is simultaneously saved in the background terminal；

The enquiry module, which is used for sending the background terminal for being allocated to intermediate facilitator, inquires about the available accrediting amount distributed Solicited message；

The delivery module is used for title and the group of the subsidiary of the group company the mandate amount for being assigned with group company Station terminal before the available accrediting amount of the subsidiary of company returns to described first；

First input module is used for inputting the promise to pay amount of money, promises to undertake the tax of the day of payment, the title of supplier and supplier Business registration card number；

First transport module is used for the Bank Account Number Tax Registration Certificate for promising to undertake the day of payment, the title of supplier and supplier Number it is sent to the background terminal；It is sent to for main cloud letter and promise to pay letter that this is received and is allocated to the of supplier Station terminal before three；

Cloud letter generation module is used for generating the title including subsidiary, the promise to pay amount of money, promises to undertake the day of payment, supplier The main Yun Xinhe of title, the Tax Registration Certificate number of supplier and cloud letter numbering only includes title, the promise to pay of the subsidiary The amount of money, promise to pay and the promise to pay letter for promising to undertake the day of payment, and the main cloud letter and promise to pay letter of the generation are returned to configuration To station terminal before described the second of the subsidiary and it is stored in the background terminal；For generating the name including the supplier Docked when the title for the cooperative bank docked when title, credits number, supplier's assignment of credit and supplier's assignment of credit The sub- cloud letter of the Tax Registration Certificate number of cooperative bank and sub- cloud letter numbering；

Second input module is used for inputting what is docked when the title of the supplier, credits number, supplier's assignment of credit The Tax Registration Certificate number for the cooperative bank docked when the title of cooperative bank, supplier's assignment of credit；For this is received Sub- cloud letter, promise to pay letter, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit be sent to configuration Station terminal before the 4th of the cooperative bank docked during to supplier's assignment of credit；

Second transport module is used for the conjunction docked during the title of the supplier, credits number, supplier's assignment of credit Tax Registration Certificate number, the electricity for the assignment of credit for the cooperative bank docked when title, the supplier's assignment of credit of making bank Sub- contract and electronic invoice for the assignment of credit are sent to the background terminal and preserved；

The display module is used for sub- cloud letter, the electronic contract for the assignment of credit and the electricity for the assignment of credit received Before sub- invoice is shown and is stored in the 4th in station terminal；

First preserving module is used for before the main cloud letter and promise to pay letter that receive are stored in the 3rd in station terminal.

5. the method for the service system of supplier's assignment of credit according to claim 1, it is characterised in that step is as follows：

Step 1：Recommend business with guarantee and recommend the credit application material of business in itself with guarantee to financial institution's submission, financial institution utilizes and recommends business with guarantee in itself Credit application material draw the accrediting amount for recommending business with guarantee, or recommend this with guarantee business existing accrediting amount and carry out cutting so that confirm can Amount is distributed, the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；Step 2：Then the financial institution, intermediate facilitator and What group company specified recommend business with guarantee signs tripartite agreement jointly, has arranged cloud letter in the tripartite agreement public by the son for recommending business's confirmation with guarantee Department is opened, and is recommended business with guarantee and is undertaken obligation under bond to the subsidiary that group company specifies；

Step 3：Group company confirms or arranges by credit subsidiary in the protocol with financial institution in itself, and the agreement includes By the inventory of credit subsidiary title, the content of the agreement includes allowing group company in itself the accrediting amount of group company The subsidiary of group company is freely distributed to, the group company both can separately subscribe to the agreement confirmation by credit with financial institution Subsidiary, can also directly be arranged by credit subsidiary by the tripartite agreement；

Step 4：The son for recommending subsidiary as group company that business distributes to the accrediting amount of group company group company with guarantee is public The available accrediting amount of department, then provides financial institution written inventory, and the content of the written inventory is to be assigned with collection The title of the subsidiary of the group company of the accrediting amount of company of group；Here the subsidiary of group company is for the confirmation or about It is fixed by credit subsidiary；

Step 5：By be allocated to intermediate facilitator background terminal typing module the mandate amount for being assigned with group company Group company subsidiary title and group company subsidiary available accrediting amount typing and be saved in the backstage In terminal；

Step 6：Then by being allocated to the enquiry module of station terminal before first of group company in itself to being allocated to intermediary service The background terminal of business sends the solicited message of the available accrediting amount of inquiry distribution, and station terminal receives request letter in the rear After breath, just start title and collection of the delivery module the subsidiary of the group company for the mandate amount for being assigned with group company Station terminal before the available accrediting amount of the subsidiary of company of group returns to described first, by confirming module to described after confirmation is errorless Background terminal sends confirmation；

Step 7：The subsidiary of the group company provides main cloud to supplier with liability and believed, the side for providing main cloud letter Method is：

The subsidiary of the group company first carries out real-name authentication and provides the qualification that main cloud is believed to obtain, then by being allocated to this First input module of station terminal inputs the title of the subsidiary, the promise to pay amount of money, promised to undertake before described the second of subsidiary The Tax Registration Certificate number of the day of payment, the title of supplier and supplier, then name of first transport module the subsidiary The promise to pay amount of money, the promise day of payment, the title of supplier and the Tax Registration Certificate number of supplier claim, inputted is sent to described Background terminal is preserved, and the operation generation module in such background terminal just generates the title including the subsidiary, payment and held The main Yun Xinhe that the promise amount of money, the promise day of payment, the title of supplier, the Tax Registration Certificate number of supplier and main cloud letter are numbered is only Title including the subsidiary, the promise to pay amount of money, promise to pay and the promise to pay letter for promising to undertake the day of payment, and the generation Station terminal and it is stored in before main cloud letter and promise to pay letter return to be allocated to the subsidiary described second in the background terminal, Station terminal receives the master that the first transport module of station terminal before main Yun Xinhou, described second just receives this before described second Cloud believe and promise to pay letter be sent to the be allocated to supplier the 3rd before station terminal, the supplier the 3rd before station terminal the Before the main cloud letter and promise to pay letter that receive just are stored in the 3rd by one preserving module in station terminal, the volume of the main cloud letter Number to identify the unique identifier of main cloud letter, the main cloud letter is a kind of electronics acceptance and guarantee voucher, the electronics acceptance and guarantee Voucher is held as the voucher promise to pay amount of money repaid in defined promise day of payment subsidiary to supplier, the payment The promise amount of money is no more than the available accrediting amount of the subsidiary；The mode that the main cloud letter is stored in the background terminal is the master Cloud letter is stored in the database of the background terminal；

Step 8：Under conditions of the supplier has cloud letter, the supplier is docked when can be to supplier's assignment of credit Cooperative bank sub- cloud letter is provided to realize the assignment of credit, the sub- cloud letter of offer is come the method for realizing the assignment of credit：

By being allocated to the supplier the 3rd before the second input module of station terminal input title, the credits of the supplier The cooperative bank docked when the title of the cooperative bank docked when number, supplier's assignment of credit, supplier's assignment of credit Tax Registration Certificate number, then title of the second transport module of station terminal the supplier, debt before the 3rd of the supplier The cooperation silver docked when the title of the cooperative bank docked when flexible strategy volume, supplier's assignment of credit, supplier's assignment of credit Capable Tax Registration Certificate number, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit is sent to the backstage Terminal is preserved, and the cloud letter generation module in such background terminal just generates the title including the supplier, credits number, supplied The tax for the cooperative bank docked when title and the supplier's assignment of credit of answering the cooperative bank docked during business's assignment of credit The sub- cloud letter of registration card number and sub- cloud letter numbering, then to the electronic contract for the assignment of credit and the electricity for the assignment of credit Sub- invoice carries out first trial, and the sub- cloud letter and promise to pay letter of the generation are returned to the 3rd foreground of the supplier after first trial is errorless Terminal and it is stored in the background terminal, station terminal is received after sub- cloud letter and promise to pay letter before the described 3rd, described to supply Answer sub- cloud letter, promise to pay letter that the second input module of station terminal before the 3rd of business just receives this, for the assignment of credit Electronic contract and the cooperation silver that is docked when being sent to for the electronic invoice of the assignment of credit and be allocated to supplier's assignment of credit Station terminal before capable the 4th, it is described be allocated to the cooperative bank docked during supplier's assignment of credit the 4th before station terminal it is aobvious Show that module just shows the sub- cloud letter, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit that receive Before showing and being stored in the 4th in station terminal, then auditor audits to the sub- cloud letter, and the examination ＆ verification is the sub- cloud of examination The authenticity of letter and its legitimacy held, the assignment of credit, the son are carried out after examination ＆ verification is errorless according to credits number to supplier The numbering of cloud letter is the unique identifier of the sub- cloud letter of the numbering that mark includes main cloud letter, and the sub- cloud letter holds for a kind of electronics Promise evidence for payment, the electronics acceptance and guarantee voucher is repaid credits number to institute as in defined promise day of payment supplier The voucher for being allocated to the cooperative bank docked during supplier's assignment of credit is stated, the credits number possesses no more than the supplier Main cloud letter on the promise to pay amount of money；The mode that the sub- cloud letter is stored in the background terminal is that the sub- cloud letter is stored in In the database of the background terminal.

6. the method for the service system of supplier's assignment of credit according to claim 5, it is characterised in that matched somebody with somebody by described Put the typing module to the background terminal of intermediate facilitator the title of the subsidiary for the group company that have adjusted available credit volume, Adjustment type and adjustment amount typing are simultaneously saved in the background terminal.

7. the method for the service system of supplier's assignment of credit according to claim 5, it is characterised in that the group is public Take charge of specify recommend business with guarantee for group company in itself or other companies of group for specifying.