CN107316237A

CN107316237A - Assignment of credit system and method for factoring again

Info

Publication number: CN107316237A
Application number: CN201710384800.1A
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: 2017-11-03

Abstract

A kind of assignment of credit system and method for factoring again, including be allocated to station terminal before first of group company in itself, be allocated to group specify subsidiary second before station terminal, be allocated to supplier the 3rd before station terminal, be allocated to cooperative bank the 4th before station terminal and be allocated to factoring company the 5th before station terminal, in addition to background terminal.The concrete operations that effectively prevent factoring in the prior art with reference to its method are cumbersome, flow is complicated, cost is high, and the promptness of bank's examination ＆ verification applicant's cycle length and bank loan can not guaranteed defect.

Description

Assignment of credit system and method for factoring again

Technical field

The present invention relates to financial technology field, and in particular to a kind of assignment of credit system and method for factoring again.

Background technology

Factoring (Factoring) full name protect pay agency, also known as collection protect pay, the seller by its now or future based on its with Accounts receivable produced by sale of goods/service contract that buyer concludes transfers factoring business and (provides the financial machine of factoring service Structure), financing, buyer's credit evaluation, sales account management, credit risk guarantee, funds on account collection are provided it by factoring business Etc. a series of synthesis finance service means of services.It is in commerce and trade with collection, open account terms loan for the settlement of accounts when, Mai Fangwei Reinforcing receivable management, enhancing mobility and a kind of commission third party (factoring business) management accounts receivable for using are done Method.Vulnerability scanning system based on Android terminal.

The defect of current factoring is to be based on servicing under line so that concrete operations are cumbersome, flow is complicated, cost is high, bank Auditing the promptness of applicant's cycle length and bank loan can not be guaranteed..

The content of the invention

To solve the above problems, the invention provides a kind of assignment of credit system and method for factoring again, being prevented effectively from The concrete operations of factoring are cumbersome in the prior art, flow is complicated, cost is high, bank's examination ＆ verification applicant's cycle length and bank puts The promptness of money can not guaranteed defect..

In order to overcome deficiency of the prior art, the invention provides a kind of assignment of credit system and method for factoring again Solution, it is specific as follows：

A kind of assignment of credit system of factoring again, including be allocated to station terminal before first of group company in itself, be allocated to Station terminal before the second of the subsidiary of group company, be allocated to supplier the 3rd before station terminal, be allocated to the of cooperative bank Before four station terminal and be allocated to the factoring company docked during supplier's assignment of credit the 5th before station terminal, in addition to Station terminal communicates connection before station terminal and the 5th before station terminal, the 4th before station terminal, the 3rd before station terminal, second before one It is allocated to the background terminal of intermediate facilitator；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 the 3rd preserving module before described 4th；

Station terminal includes the 3rd transport module and the 4th preserving module before described 5th.

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；

Station terminal includes the 6th mobile intelligent terminal, the 6th PC or the 6th notebook computer before described 5th.

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 factoring docked during supplier's assignment of credit Station terminal before the 5th of company, and be allocated to the background terminal of intermediate facilitator and constitute 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；For bundle cloud letter, promise to pay letter, use Electronic contract in the assignment of credit and the electronic invoice for the assignment of credit are sent to described before being allocated to the 5th of factoring company the Station terminal；

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

First input module is used for inputting the title of subsidiary, the promise to pay amount of money, promises to undertake the day of payment, supplier Title and the Tax Registration Certificate number of supplier；Supply is allocated to for the main cloud letter received is sent to promise to pay letter Station terminal before the 3rd of business.

First transport module is for the title of bundle subsidiary, the promise to pay amount of money of input, the promise day of payment, confession Answer the title of business and the Tax Registration Certificate number of supplier to be sent to the background terminal to be preserved；For the master that this is received Station terminal before cloud letter is sent to the be allocated to supplier the 3rd；

When the cloud letter generation module is used for generating including credits number, the promise day of payment, cloud letter holder's assignment of credit The Tax Registration Certificate number for the factoring company docked when the title of the factoring company docked, cloud letter holder's assignment of credit and The sub- cloud is simultaneously believed station terminal before return the described 5th by the sub- cloud letter of sub- cloud letter numbering；For generating the name including the supplier Title, credits number, the title for promising to undertake the factoring company docked when the day of payment, supplier's assignment of credit, supplier's assignment of credit When the Tax Registration Certificate number of factoring company that is docked and sub- cloud letter numbering sub- cloud letter；

Second input module is used for inputting the name for the factoring company docked when credits number, supplier's assignment of credit Tax Registration Certificate number, the electronic contract and use for the assignment of credit for the factoring company docked when title, supplier's assignment of credit In the electronic invoice of the assignment of credit；For the factoring docked when inputting credits number, promising to undertake the day of payment, supplier's assignment of credit Tax Registration Certificate number, the electronics for the assignment of credit for the factoring company docked when the title of company, supplier's assignment of credit Contract and the electronic invoice for the assignment of credit；

Second transport module is used for the name for the factoring company docked during credits number, supplier's assignment of credit Tax Registration Certificate number, the electronic contract and use for the assignment of credit for the factoring company docked when title, supplier's assignment of credit Station terminal is preserved before the electronic invoice of the assignment of credit is sent to the be allocated to factoring company the 5th；For credits number The title for the factoring company docked when volume, cloud letter holder's assignment of credit, cloud believe the guarantor docked during holder's assignment of credit The Tax Registration Certificate number of reason company is sent in the background terminal；

Second 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；

3rd preserving 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 be stored in the 4th before in station terminal；

4th preserving module is used for bundle cloud letter, promise to pay letter, the electronic contract for the assignment of credit and is used for The electronic invoice of the assignment of credit is preserved；

3rd transport module is used for bundle cloud letter, promise to pay letter, the electronic contract for the assignment of credit and is used for Before the electronic invoice of the assignment of credit is sent to the 4th station terminal and pass through the 3rd preserving module bundle cloud letter, promise to pay letter, use Electronic contract in the assignment of credit and the electronic invoice for the assignment of credit are preserved.

Further, the method for the assignment of credit system of described factoring again, step is as follows：

Step 1：What group company specified recommend with guarantee, and business submits to financial institution recommends the credit application material of business in itself with guarantee, finance Mechanism utilization recommends the credit application material of business in itself with guarantee and draws the accrediting amount for recommending business with guarantee, or recommends this with guarantee business existing credit volume Degree carries out cutting to confirm to distribute amount, and the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；Step 2：Then the finance What mechanism, intermediate facilitator and group company specified recommend business with guarantee signs tripartite agreement jointly, and cloud has been arranged in the tripartite agreement Believe and opened by the subsidiary for recommending business's confirmation with guarantee, recommend business with guarantee and obligation under bond is undertaken 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 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 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 pays the bill promise The Bank Account Number Tax Registration Certificate number of day, the title of supplier and supplier are sent to the background terminal and preserved, so Cloud letter generation module in background terminal just generates the title including the 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 main cloud letter numbering only includes the title of the subsidiary, paid Money promises to undertake 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 Station terminal and it is stored in before returning be allocated to the subsidiary described second in the background terminal, station terminal is received before described second To after main cloud letter and promise to pay letter, first transport module of station terminal just believes the main cloud received and pay before described second Station terminal before money commitment letter is sent to the be allocated to supplier the 3rd, the supplier the 3rd before station terminal second preserve mould Before the main cloud letter and promise to pay letter that receive just are stored in the 3rd by block in station terminal, the numbering of the main cloud letter is mark The unique identifier of the main cloud letter, the main cloud letter is a kind of electronics acceptance and guarantee voucher, the electronics acceptance and guarantee voucher conduct The promise to pay amount of money is repaid in the defined promise day of payment subsidiary voucher that holder is believed to cloud, the promise to pay gold Volume 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 In the database for being stored in the background terminal；

Step 8：Under conditions of cloud letter holder has cloud letter, the cloud letter holder can carry to factoring company The assignment of credit is realized for cloud letter, the offer cloud letter is come the method for realizing the assignment of credit：

By be allocated to the cloud believe holder the 3rd before the second input module of station terminal input credits number, guarantor Title, the Tax Registration Certificate number of factoring company, the electronic contract for the assignment of credit and the electricity for the assignment of credit of reason company Sub- invoice, then before the 3rd of cloud letter holder second transport module of station terminal credits number, the name of factoring company Title, the Tax Registration Certificate number of factoring company, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit are sent Station terminal is preserved before to the be allocated to factoring company the 5th, is directly made loans according to credits number after the examination ＆ verification of factoring company is errorless Give cloud letter holder, then second transport module again corresponding data send and be stored in before the 4th in station terminal the 3rd Preserving module, cooperative bank side audits errorless backward factoring company and made loans, and the numbering of the sub- cloud letter is that mark includes main cloud letter Numbering sub- cloud letter unique identifier, the sub- cloud letter is a kind of electronics acceptance and guarantee voucher, the electronics acceptance and guarantee Voucher promises to undertake that the day of payment cloud believes that holder repays credits number and is allocated to cloud letter holder's debt to described as defined The voucher for the cooperative bank that power is docked when transferring the possession of, the credits number believes paying for the Yun Xinshang that holder possesses no more than the cloud Money promises to undertake the 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 the background terminal Factoring company of factoring company of factoring company of factoring company of factoring company of factoring company of factoring company in database, the sub- cloud letter Numbering 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 electronics acceptance and guarantee Voucher, the electronics acceptance and guarantee voucher is repaid credits number to described as in defined promise day of payment cloud letter holder The voucher for the cooperative bank docked during cloud letter holder's assignment of credit is allocated to, the credits number is held no more than the cloud letter The promise to pay amount of money for the Yun Xinshang that people possesses；The mode that the sub- cloud letter is stored in the background terminal is that the sub- cloud letter is protected In the database that there is the background terminal.

Further, available credit have adjusted by the typing module handle of the background terminal for being allocated to intermediate facilitator Title, adjustment type and the adjustment amount typing of the subsidiary of the group company of volume are simultaneously saved in the background 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.

Further, the intermediate facilitator collects a certain proportion of service charge according to credits number.

Beneficial effects of the present invention are：

Make it that the concrete operations of factoring are simple, flow is simple, cost is low by the process of factoring again of the present invention, bank's examination ＆ verification Cycle is short and promptness of bank loan is guaranteed factoring company.

Brief description of the drawings

Fig. 1 is the structural representation of the assignment of credit system of the factoring again 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 assignment of credit system of the factoring again of the present embodiment,

Including be allocated to station terminal before first of group company in itself, be allocated to group company subsidiary the second foreground Terminal, be allocated to supplier the 3rd before station terminal, be allocated to the 4th of the cooperative bank docked during supplier's assignment of credit Preceding station terminal and be allocated to factoring company the 5th before station terminal, in addition to first before station terminal, before station terminal, second Station terminal communicates the backstage for the being allocated to intermediate facilitator end of connection before station terminal and the 5th before station terminal, the 4th before three End；The cooperative bank can also be factoring company or other financial institutions；

Station terminal includes the 3rd preserving module before described 4th；

The method of the assignment of credit system of described factoring again, step is as follows：

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 pays the bill promise The Bank Account Number Tax Registration Certificate number of day, the title of supplier and supplier are sent to the background terminal and preserved, so Cloud letter generation module in background terminal just generates the title including the 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 main cloud letter numbering only includes the title of the subsidiary, paid Money promises to undertake 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 Station terminal and it is stored in before returning be allocated to the subsidiary described second in the background terminal, station terminal is received before described second To after main cloud letter and promise to pay letter, first transport module of station terminal just believes the main cloud received and pay before described second Station terminal before money commitment letter is sent to the be allocated to supplier the 3rd, the supplier the 3rd before station terminal second preserve mould Before the main cloud letter and promise to pay letter that receive just are stored in the 3rd by block in station terminal, the numbering of the main cloud letter is mark The unique identifier of the main cloud letter, the main cloud letter is a kind of electronics acceptance and guarantee voucher, the electronics acceptance and guarantee voucher conduct The promise to pay amount of money is repaid the voucher to supplier in defined promise day of payment subsidiary, the promise to pay amount of money is not More than the available accrediting amount of the subsidiary；The mode that the main cloud letter is stored in the background terminal is that the main cloud letter is preserved In the rear in the database of station terminal；

By be allocated to the cloud believe holder the 3rd before the second input module of station terminal input credits number, guarantor Title, the Tax Registration Certificate number of factoring company, the electronic contract for the assignment of credit and the electricity for the assignment of credit of reason company Sub- invoice, then before the 3rd of cloud letter holder second transport module of station terminal credits number, the name of factoring company Title, the Tax Registration Certificate number of factoring company, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit are sent Station terminal is preserved before to the be allocated to factoring company the 5th, is directly made loans according to credits number after the examination ＆ verification of factoring company is errorless Give cloud letter holder, then second transport module again corresponding data send and be stored in before the 4th in station terminal the 3rd Preserving module, cooperative bank side audits errorless backward factoring company and made loans, and the numbering of the sub- cloud letter is that mark includes main cloud letter Numbering sub- cloud letter unique identifier, the sub- cloud letter is a kind of electronics acceptance and guarantee voucher, the electronics acceptance and guarantee Voucher promises to undertake that the day of payment cloud believes that holder repays credits number and is allocated to cloud letter holder's debt to described as defined The voucher for the cooperative bank that power is docked when transferring the possession of, the credits number believes paying for the Yun Xinshang that holder possesses no more than the cloud Money promises to undertake the 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 the background terminal Factoring company of factoring company of factoring company of factoring company of factoring company of factoring company of factoring company in database.

The present embodiment has the beneficial effect that：

The process of factoring again of the present embodiment make it that the concrete operations of factoring are simple, flow is simple, cost is low, bank's examination ＆ verification week Phase is short and promptness of bank loan is guaranteed.Factoring company

Embodiment 2

Station terminal includes the 3rd preserving 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 6th mobile intelligent terminal, the 6th PC or the 6th notebook computer before described 5th.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.Described 6th moves Dynamic intelligent terminal includes the 6th smart mobile phone, the 6th PDA or the 6th 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；

The method of the assignment of credit system of factoring again described in factoring company, step is as follows：

Group company in itself can also be adjusted the available accrediting amount for the subsidiary for having distributed to group company, i.e., The available accrediting amount of the group company is increased or decreased, this is by the background terminal for being allocated to intermediate facilitator Typing module is the title of the subsidiary for the group company that have adjusted available credit volume, adjustment type and adjustment amount typing and protects It is stored in the background terminal.The adjustment type includes increase and reduces both adjustment types.

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

The intermediate facilitator collects a certain proportion of service charge according to credits number.

The present embodiment has the beneficial effect that：

The process of factoring again of the present embodiment make it that the concrete operations of factoring are simple, flow is simple, cost is low, bank's examination ＆ verification week Phase is short and promptness of bank loan is guaranteed factoring company.

Embodiment 3

Station terminal includes the 3rd preserving module before described 4th；

Factoring company

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：

The present embodiment has the beneficial effect that：

Confirmation is transferred to background terminal by the assignment of credit system of factoring via confirmation module again, and background terminal is obtained Get after confirmation, the keeper for being responsible for background terminal will be via background terminal via credits of the confirmation module to factoring again Transfer system transmission response data.

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 user of each assignment of credit system of factoring again of the smart mobile phone to being stored in the smart mobile phone steps on Record ID is shown；

The smart mobile phone acquisition login ID chooses order, and what is obtained the response login ID selection order and return protects again User's login ID of the assignment of credit system of reason；

The smart mobile phone by described in acquisition again user's login ID of the assignment of credit system of factoring be transferred to it is described PC, the confirmation that the PC is transmitted in the user's login ID for getting the assignment of credit system of factoring again When, do not forward the confirmation 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 again user's login ID of the assignment of credit system of factoring, the smart mobile phone is obtained The physical address of background terminal, including：

The smart mobile phone is to the assignment of credit system of the factoring again of each background terminal stored in the smart mobile phone User's login ID shown, obtain login ID and choose order, the response login ID is chosen order and returned again User's login ID of the assignment of credit system of factoring is defined as making for the assignment of credit system of the factoring again of the background terminal User's login ID；Or,

The smart mobile phone obtains user's information of the assignment of credit system of the factoring again of typing, detects the intelligent hand The assignment of credit whether being stored with machine with the factoring again of user's information match of the assignment of credit system of the factoring again User's login ID of system, when the user's letter with the assignment of credit system of the factoring again that is stored with the smart mobile phone During user's login ID of the assignment of credit system of the factoring again of manner of breathing matching, by making for the assignment of credit system of the factoring again User's login ID is defined as user's login ID of the assignment of credit system of the factoring again of the background terminal；When the intelligent hand The assignment of credit system with the factoring again of user's information match of the assignment of credit system of the factoring again is not stored in machine User's login ID when, by user's information transfer of the assignment of credit system of the factoring again give the PC, obtain institute State the assignment of credit system with the factoring again of user's information match of the assignment of credit system of the factoring again of PC transmission User's login ID of system, the background terminal is defined as by user's login ID of the assignment of credit system of the factoring again User's login ID of the assignment of credit system of factoring again；

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 assignment of credit system of the factoring again of the transmission confirmation；

The PC detects user's login ID of the assignment of credit system for the factoring again that the smart mobile phone is transmitted in advance In whether include user's login ID of the assignment of credit system of factoring again；

Described in including when user's login ID of the assignment of credit system for the factoring again that the smart mobile phone is transmitted in advance Again during user's login ID of the assignment of credit system of factoring, the confirmation is not forwarded to the smart mobile phone；

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 again user's login ID of the assignment of credit system of factoring, the PC obtains intelligence Before the confirmation of mobile phone transmission and the physical address of background terminal, in addition to：

The PC obtains user's information of the assignment of credit system of the factoring again of the smart mobile phone transmission, it is described again User's information of the assignment of credit system of factoring is not store the assignment of credit system with the factoring again in the smart mobile phone The PC is transferred to during user's login ID of the assignment of credit system of the factoring again of user's information match of system；

The PC detects the user's letter whether being stored with the PC with the assignment of credit system of the factoring again User's login ID of the assignment of credit system of the factoring again of manner of breathing matching；

When being stored with the PC and user's information match of the assignment of credit system of the factoring again is protected again During user's login ID of the assignment of credit system of reason, the PC steps on the user of the assignment of credit system of the factoring again Record ID is transferred to the smart mobile phone, and the smart mobile phone is true by user's login ID of the assignment of credit system of the factoring again It is set to user's login ID of the assignment of credit system of the factoring again of the background terminal；

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 assignment of credit system of factoring again, including be allocated to station terminal before first of group company in itself, be allocated to collection Group company subsidiary second before station terminal, be allocated to supplier the 3rd before station terminal, be allocated to the 4th of cooperative bank Preceding station terminal and be allocated to the factoring company docked during supplier's assignment of credit the 5th before station terminal, it is characterised in that Also include with first before station terminal phase before station terminal and the 5th before station terminal, the 4th before station terminal, the 3rd before station terminal, second The background terminal for being allocated to intermediate facilitator of communication connection；The cooperative bank can also be factoring company or other gold Melt mechanism；

Station terminal includes the 3rd preserving module before described 4th；

2. the assignment of credit system of factoring again according to claim 1, it is characterised in that station terminal is the before described first One mobile intelligent terminal, the first PC or the first notebook computer；

3. the assignment of credit system of factoring again according to claim 1, it is characterised in that described to be allocated to group company's sheet Station terminal before the first of body, be allocated to supplier the 3rd before station terminal, be allocated to group company subsidiary the second foreground Terminal, be allocated to the factoring company docked during supplier's assignment of credit the 5th before station terminal and be allocated to intermediate facilitator Background terminal constitute the internet based on cloud platform.

4. the assignment of credit system of factoring again according to claim 1, it is characterised in that

Cloud letter generation module is used for generating including credits number, promises to undertake the day of payment, the title of factoring company, factoring company The sub- cloud is simultaneously believed station terminal before return the described 5th by Tax Registration Certificate number and the sub- cloud letter of sub- cloud letter numbering；For generating bag Include the title of the supplier, credits number, the title for promising to undertake the factoring company docked when the day of payment, supplier's assignment of credit, The sub- cloud letter of the Tax Registration Certificate number of factoring company and sub- cloud letter numbering；

Second input module is used for inputting credits number, the title of factoring company, the Tax Registration Certificate number of factoring company, use Electronic contract in the assignment of credit and the electronic invoice for the assignment of credit；For inputting credits number, promising to undertake the day of payment, factoring Title, the Tax Registration Certificate number of factoring company, the electronic contract for the assignment of credit and the electronics for the assignment of credit of company Invoice；

Second transport module is used for credits number, the title of factoring company, the Tax Registration Certificate number of factoring company, is used for Station terminal before the electronic contract of the assignment of credit and electronic invoice for the assignment of credit are sent to the be allocated to factoring company the 5th Preserved；For the Tax Registration Certificate number of credits number, the title of factoring company, factoring company is sent to the backstage end In end；

Second 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；

3rd preserving 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 stored in the 4th in station terminal；

4th preserving module is used for bundle cloud letter, promise to pay letter, the electronic contract for the assignment of credit and for credits The electronic invoice of transfer is preserved；

3rd transport module is used for bundle cloud letter, promise to pay letter, the electronic contract for the assignment of credit and for credits Station terminal and by the 3rd preserving module bundle cloud letter, promise to pay letter, for debt before the electronic invoice of transfer is sent to the 4th Weigh the electronic contract transferred the possession of and preserved for the electronic invoice of the assignment of credit.

5. the method for the assignment of credit system of factoring again according to claim 1, it is characterised in that step is as follows：

Step 1：What group company specified recommend with guarantee, and business submits to financial institution recommends the credit application material of business in itself, financial institution with guarantee The accrediting amount of business is recommended with guarantee using recommending the credit application material of business in itself with guarantee and drawing, or recommends this with guarantee business existing accrediting amount Row cutting is to confirm to distribute amount, and the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；

Step 2：What then the financial institution, intermediate facilitator and group company specified recommend with guarantee, and business signs tripartite association jointly Cloud letter is arranged in view, the tripartite agreement to be opened by the subsidiary for recommending business's confirmation with guarantee, has recommended what business specified to group company with guarantee Subsidiary undertakes obligation under bond；

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 first transport module is the promise day of payment, confession Answer the title of business and the Bank Account Number Tax Registration Certificate number of supplier to be sent to the background terminal to be preserved, such backstage is whole Cloud letter generation module in end just generates the title including the subsidiary, the promise to pay amount of money, promises to undertake the day of payment, the name of supplier Claim, the main Yun Xinhe that the Tax Registration Certificate number of supplier and main cloud letter are numbered 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, station terminal receives main cloud before described second After letter and promise to pay letter, first transport module of station terminal is just believed the main cloud received and promise to pay before described second Station terminal before letter is sent to the be allocated to supplier the 3rd, the supplier the 3rd before station terminal the second preserving module just Before the main cloud letter and promise to pay letter received is stored in the 3rd in station terminal, the numbering of the main cloud letter is to identify the main cloud The unique identifier of letter, the main cloud letter is a kind of electronics acceptance and guarantee voucher, and the electronics acceptance and guarantee voucher is as in regulation The promise day of payment subsidiary promise to pay amount of money is repaid voucher to supplier, the promise to pay amount of money was no more than should The available accrediting amount of subsidiary；The mode that the main cloud letter is stored in the background terminal is described in the main cloud letter is stored in In the database of background terminal；

Step 8：Under conditions of cloud letter holder has cloud letter, the cloud letter holder can provide cloud to factoring company Letter realizes the assignment of credit, and the offer cloud letter is come the method for realizing the assignment of credit：

By be allocated to the cloud believe holder the 3rd before station terminal the second input module it is public to input credits number, factoring Title, the Tax Registration Certificate number of factoring company, the electronic contract for the assignment of credit and the hair of the electronics for the assignment of credit of department Ticket, then before the 3rd of cloud letter holder second transport module of station terminal credits number, the title of factoring company, protect The Tax Registration Certificate number of reason company, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit are sent to configuration Preserved to station terminal before the 5th of factoring company the, directly make loans and believed to cloud according to credits number after the examination ＆ verification of factoring company is errorless Holder, then second transport module again corresponding data send and be stored in before the 4th in station terminal the 3rd preserve mould Block, cooperative bank side audits errorless backward factoring company and made loans, and the numbering of the sub- cloud letter is that mark includes the numbering of main cloud letter Sub- cloud letter unique identifier, the sub- cloud letter is a kind of electronics acceptance and guarantee voucher, and the electronics acceptance and guarantee voucher is made For credits number is repaid in the defined promise day of payment cloud letter holder cloud letter holder's assignment of credit is allocated to described When the voucher of cooperative bank that is docked, the credits number believes the promise to pay for the Yun Xinshang that holder possesses no more than the cloud The amount of money；The mode that the sub- cloud letter is stored in the background terminal is the database that the sub- cloud letter is stored in the background terminal In.

6. the method for the assignment of credit system of factoring again according to claim 5, it is characterised in that be allocated to by described The typing module of the background terminal of intermediate facilitator is 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 assignment of credit system of factoring again according to claim 6, it is characterised in that the group company refers to It is fixed to recommend business with guarantee for group company in itself or other companies of group for specifying.

8. the method for the assignment of credit system of factoring again according to claim 6, it is characterised in that