CN107784495A - A kind of credit informal voucher and transaction platform - Google Patents
A kind of credit informal voucher and transaction platform Download PDFInfo
- Publication number
- CN107784495A CN107784495A CN201710889286.7A CN201710889286A CN107784495A CN 107784495 A CN107784495 A CN 107784495A CN 201710889286 A CN201710889286 A CN 201710889286A CN 107784495 A CN107784495 A CN 107784495A
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- CN
- China
- Prior art keywords
- credit
- client
- informal voucher
- module
- transaction
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention provides a kind of credit informal voucher and transaction platform, client can be in the platform application credit and the sale commodity of oneself.The platform includes management end, client and transaction end, client is by client in the platform register account number, credit informal voucher is filed an application to management end, letter of application is with after informal voucher success, client borrows money in the transaction end vending articles of the platform, the income obtained by vending articles, repayment credit informal voucher, when giving back whole credit informal vouchers loaning bills, client gets out of the red.The keeper of the platform can set interest-free time limit and gathering time limit, by setting the rational interest-free time limit, more clients can be attracted to come letter of application informal voucher, and can enough improves the enthusiasm of client trading commodity simultaneously, the setting rational gathering time limit, it is ensured that the fund security of the administrative staff of platform.
Description
Technical field
The present invention relates to a kind of credit informal voucher and transaction platform.
Background technology
With the continuous development of financial business, the financial product that bank provides is more and more, and many users open in bank
The credit accounts such as the finance product trading accounts such as fund, bond, security, loans extended to individual housing purchasers and personal consumption loan, possess
Substantial amounts of finance product and real estate mortgage thing under detention, but user is not smooth enough in the credit extending channel of bank or financial institution
It is logical, it can not require that bank or financial institution provide in time and be provided a loan corresponding to value therewith, user can not be met in capital market
Credit requirement, the maximization of customer investment financing income can not be realized, meanwhile, the existing loan in market and transaction platform are past
Toward the client for lening purchase commodity, credit informal voucher service is provided to buyer, allows buyer to enjoy product in advance, but be the absence of one
Credit informal voucher can be provided to seller to borrow money and introduce commodity, merchandising, the platform for allowing seller's low cost to do business.
The content of the invention
For the present invention in order to solve the above technical problems, providing a kind of credit informal voucher and transaction platform, client can be flat at this
Platform letter of application informal voucher and the sale commodity of oneself.
The platform includes management end, client and transaction end, and client is used by described client to management end letter of application
Informal voucher, client by described transaction end publishing commodity information, and by transaction end with commodity transaction get a profit earned money to
Management end is refunded, and after also the creditable informal voucher of complete institute is borrowed money, income just returns client's person ownership.
Described client includes Subscriber Information Module, letter of application informal voucher module, merchandise news recording module.
Described transaction end includes merchandise news display module, commodity transaction processing module, transaction payment processing module.
Described management end includes credit informal voucher auditing module, bank settlement module.
Client is by described Subscriber Information Module login account and registers customer information, passes through the letter of application informal voucher
Module typing letter of application is asked with informal voucher information and credit informal voucher, and letter of application is white to described credit with informal voucher information transmission
Bar auditing module, credit informal voucher auditing module are made whether that the credit for permitting client is white according to the letter of application of client with informal voucher information
Bar is asked.
Client by the merchandise news of merchandise news recording module typing oneself, by merchandise news display module to other
Pushes customer merchandise news, and commodity transaction is handled by commodity transaction processing module, finally by transaction payment processing module
Handle the payment problem that commodity transaction occurs.
The income that client obtains from transaction payment processing module, client is given back to management end application by bank settlement module
Credit informal voucher is borrowed money, and until credit informal voucher loaning bill complete restitution, remaining income returns client to own.
Further, the bank settlement module is provided with bank settlement timing unit and shipment refund unit, bank settlement timing list
Interest-free time limit set in advance and gathering time limit are provided with first, interest-free time limit and gathering time limit unite by the administrative staff of management end
One setting, by shipment refund unit, the money that client is obtained vending articles gives back credit informal voucher loaning bill.
Further, within the described interest-free time limit, the commodity of client are merchandised successfully, and it is white to repay part or all of credit
What bar was borrowed money, the credit informal voucher of client, which is borrowed money, enjoys free of interest；Within the described interest-free time limit, the commodity of client are not merchandised success
Record, client must give back credit informal voucher loaning bill.The interest-free time limit is favorably improved the enthusiasm of customer sales commodity.
Further, the payment collection time described in reaching prescribes a time limit, and client must give back whole credit informal vouchers and borrow money.
Further, described letter of application includes guaranty registration unit with informal voucher module, registers the credit mortgage of client
Thing and retrieve verify its authenticity.
Further, described credit informal voucher auditing module includes Risk-warning unit, monitors the credit guaranty of client
City's Value Data, calculate the value-at-risk of this guaranty, and customer selecting is supplied according to calculating Structure Calculation and going out the accrediting amount.
Further, described transaction end includes advertisement pushing module.
From the above-mentioned description of this invention, compared to the prior art, the invention has the advantages that：
Provide a kind of credit informal voucher and transaction platform, client can be to management end letter of application informal voucher, and by this
Gondola sales commodity, the income of merchandising is used for repay credit informal voucher loaning bill.The platform credit is convenient, and speed is fast, and helps
Client is helped to realize low cost business early stage.
Brief description of the drawings
Accompanying drawing described herein is used for providing a further understanding of the present invention, forms the part of the present invention, this hair
Bright schematic description and description is used to explain the present invention, does not form inappropriate limitation of the present invention.
Wherein：
Fig. 1 is the platform schematic diagram of the present invention；
Fig. 2 is the management end schematic diagram of the present invention；
Fig. 3 is the client schematic diagram of the present invention；
Fig. 4 is the transaction end schematic diagram of the present invention.
Embodiment
In order that technical problems, technical solutions and advantages to be solved are clearer, clear, tie below
Drawings and examples are closed, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only used
To explain the present invention, it is not intended to limit the present invention.
Fig. 1-Fig. 4 is referred to, a kind of credit informal voucher and transaction platform, client can be in the platform letter of application informal voucher and pin
It is sold by oneself commodity.
The platform includes management end 1, client 2 and transaction end 3, client to be applied by described client 2 to management end 1
Credit informal voucher, client are earned by the described publishing commodity information of transaction end 3, and by being got a profit at transaction end 3 with commodity transaction
Money refunded to management end 1, after also the creditable informal voucher of complete institute is borrowed money, income just returns client's person ownership.
Described client 2 includes Subscriber Information Module 21, letter of application informal voucher module 22, merchandise news recording module
23.Described letter of application includes guaranty registration unit with informal voucher module 22, registers the credit guaranty of client and retrieves checking
Its authenticity.
Described transaction end 3 includes merchandise news display module 31, commodity transaction processing module 32, transaction payment processing mould
Block 33 and advertisement pushing module 34.
Described management end 1 includes credit informal voucher auditing module 11, bank settlement module 12.Described credit informal voucher examination ＆ verification mould
Block 11 includes Risk-warning unit, monitors city's Value Data of the credit guaranty of client, calculates the value-at-risk of this guaranty, and
The accrediting amount is gone out according to calculating Structure Calculation and supplies customer selecting.
Client is by the described login account of Subscriber Information Module 21 and registers customer information, by the letter of application with vain
The typing letter of application of bar module 22 is asked with informal voucher information and credit informal voucher, and by letter of application informal voucher information transmission to described letter
With informal voucher auditing module 11, credit informal voucher auditing module 11 is made whether to permit client according to the letter of application of client with informal voucher information
Letter of application asked with informal voucher.
Client is objective to other by merchandise news display module 31 by the typing merchandise news of merchandise news recording module 23
Family pushes merchandise news, and handles commodity transaction by commodity transaction processing module 32, finally by transaction payment processing module
The payment problem that 33 processing commodity transactions occur.
The income that client obtains from transaction payment processing module 33, client is given back to management end 1 by bank settlement module 12
Credit informal voucher borrow money, until credit informal voucher loaning bill complete restitution, remaining income returns client to own.
In the present embodiment, the bank settlement module 12 is provided with bank settlement timing unit and shipment refund unit, bank settlement meter
Interest-free time limit set in advance and gathering time limit, management of the interest-free time limit with the gathering time limit by management end 1 are provided with Shi Danyuan
Personnel are unified to be set, and the interest-free time limit is three months, and payment collection time is limited to half a year.Within the described interest-free time limit, the commodity of client have
Merchandise successfully, repay what part or all of credit informal voucher was borrowed money by shipment refund unit, the credit informal voucher of client, which is borrowed money, to be enjoyed
Free of interest；Within the described interest-free time limit, the commodity of client, which are not merchandised, successfully to be recorded, and client must give back credit informal voucher and borrow
Money.The interest-free time limit is favorably improved the enthusiasm of customer sales commodity.Payment collection time described in reaching prescribes a time limit, and client must give back entirely
Portion's credit informal voucher is borrowed money.
The workflow for the platform that the present embodiment provides is as follows：Client is by client in the platform register account number, Xiang Guan
Manage end and propose credit informal voucher application, after credit informal voucher application success, client passes through sale in the transaction end vending articles of the platform
The income that commodity obtain, repay credit informal voucher and borrow money, when giving back whole credit informal vouchers loaning bills, client gets out of the red, meanwhile, do not have
There is the client in the platform letter of application informal voucher, can also enter transaction end and carry out commodity transaction.The keeper of the platform can be with
Interest-free time limit and gathering time limit are set, by setting the rational interest-free time limit, more clients can be attracted to come letter of application use
Informal voucher, while and can enough improves the enthusiasm of client trading commodity, sets the rational gathering time limit, it is ensured that the management of platform
The fund security of personnel.
In summary, compared to the prior art, the invention has the advantages that：
Provide a kind of credit informal voucher and transaction platform, client can be to management end letter of application informal voucher, and by this
Gondola sales commodity, the income of merchandising is used for repay credit informal voucher loaning bill.The platform credit is convenient, and speed is fast, and helps
Client is helped to realize low cost business early stage.
The present invention is exemplarily described above in conjunction with accompanying drawing, it is clear that present invention specific implementation is not by aforesaid way
Limitation, as long as the improvement of the various unsubstantialities of inventive concept and technical scheme of the present invention progress is employed, or without changing
Enter and the design of the present invention and technical scheme are directly applied into other occasions, within protection scope of the present invention.
Claims (7)
1. a kind of credit informal voucher and transaction platform, it is characterised in that pass through institute including management end, client and transaction end, client
The client stated is to management end letter of application informal voucher, and client is by described transaction end publishing commodity information, and by merchandising
Refunded with the earned money of commodity transaction profit to management end at end；
Described client includes Subscriber Information Module, letter of application informal voucher module, merchandise news recording module；
Described transaction end includes merchandise news display module, commodity transaction processing module, transaction payment processing module；
Described management end includes credit informal voucher auditing module, bank settlement module；
Client is by described Subscriber Information Module login account and registers customer information, passes through letter of application informal voucher module
Typing letter of application is asked with informal voucher information and credit informal voucher, and letter of application is examined with informal voucher information transmission to described credit informal voucher
Core module, credit informal voucher auditing module are made whether that the credit informal voucher for permitting client please according to the letter of application of client with informal voucher information
Ask；
Client is by the merchandise news of merchandise news recording module typing oneself, by merchandise news display module to other clients
Merchandise news is pushed, and commodity transaction is handled by commodity transaction processing module, is handled finally by transaction payment processing module
The payment problem that commodity transaction occurs；
The income that client obtains from transaction payment processing module, credit of the client to management end application is given back by bank settlement module
Informal voucher, until credit informal voucher complete restitution, remaining income returns client to own.
2. a kind of credit informal voucher according to claim 1 and transaction platform, it is characterised in that the bank settlement module is provided with
Bank settlement timing unit and shipment refund unit, bank settlement timing unit is interior to be provided with interest-free time limit set in advance and payment collection time
Limit.
3. a kind of credit informal voucher according to claim 2 and transaction platform, it is characterised in that in the described interest-free time limit
Interior, the commodity of client are merchandised successfully, repay part or all of credit informal voucher, and the credit informal voucher of client enjoys free of interest；Institute
In the interest-free time limit stated, the commodity of client are not merchandised success, and client must give back credit informal voucher loaning bill.
4. a kind of credit informal voucher according to claim 2 and transaction platform, it is characterised in that reach the described gathering time limit
When, client must give back whole credit informal vouchers and borrow money.
5. a kind of credit informal voucher according to claim 1 and transaction platform, it is characterised in that described letter of application informal voucher
Module includes guaranty registration unit, registers the credit guaranty of client and retrieves.
6. a kind of credit informal voucher according to claim 1 and transaction platform, it is characterised in that described credit informal voucher examination ＆ verification
Module includes Risk-warning unit, monitors city's Value Data of the credit guaranty of client, calculates the value-at-risk of this guaranty.
7. a kind of credit informal voucher according to claim 1 and transaction platform, it is characterised in that described transaction end includes wide
Accuse pushing module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710889286.7A CN107784495A (en) | 2017-09-27 | 2017-09-27 | A kind of credit informal voucher and transaction platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710889286.7A CN107784495A (en) | 2017-09-27 | 2017-09-27 | A kind of credit informal voucher and transaction platform |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107784495A true CN107784495A (en) | 2018-03-09 |
Family
ID=61434050
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710889286.7A Pending CN107784495A (en) | 2017-09-27 | 2017-09-27 | A kind of credit informal voucher and transaction platform |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107784495A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109255605A (en) * | 2018-09-18 | 2019-01-22 | 杭州复杂美科技有限公司 | Working lunch method of payment, equipment and storage medium |
| CN109359958A (en) * | 2018-09-18 | 2019-02-19 | 杭州复杂美科技有限公司 | Working lunch method of payment, equipment and storage medium |
| CN109493031A (en) * | 2018-11-27 | 2019-03-19 | 苏州达家迎信息技术有限公司 | In conjunction with emolument method of payment, device, terminal and the storage medium of consumption bill |
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| JP2006318073A (en) * | 2005-05-11 | 2006-11-24 | Credia Co Ctd | Loan issue device, loan extension method, loan extension program and recording medium with the same program stored |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109255605A (en) * | 2018-09-18 | 2019-01-22 | 杭州复杂美科技有限公司 | Working lunch method of payment, equipment and storage medium |
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| CN109493031A (en) * | 2018-11-27 | 2019-03-19 | 苏州达家迎信息技术有限公司 | In conjunction with emolument method of payment, device, terminal and the storage medium of consumption bill |
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| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20180309 |
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