CN107909444A - A kind of informal voucher financial services system and method - Google Patents
A kind of informal voucher financial services system and method Download PDFInfo
- Publication number
- CN107909444A CN107909444A CN201711223492.0A CN201711223492A CN107909444A CN 107909444 A CN107909444 A CN 107909444A CN 201711223492 A CN201711223492 A CN 201711223492A CN 107909444 A CN107909444 A CN 107909444A
- Authority
- CN
- China
- Prior art keywords
- informal voucher
- user
- buying side
- amount
- module
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
Abstract
A kind of informal voucher financial services system and method, the system are based on electric business platform, the system comprises：User authentication module, the true and false for difficult user identity；Air control evaluation module, for analyzing the historical transaction record of user, calculates the trust speed of user, and provides the informal voucher amount of user；Financial informal voucher module, user is according to informal voucher amount commodities purchased, and the refund condition of agreement informal voucher；Billing module, bill is generated according to the buying of user；Settlement module, is settled accounts according to bill, and notifies buying side and supplier, supplier is arranged delivery, and user completes transaction, honours an agreement refund according to the use of informal voucher；System plugin module, for the insertion of system and electric business platform, and the warm use of different plug-in units.The present invention alleviates the financial strain of buying side, and convenience is provided for buying side.
Description
Technical field
The present invention relates to a kind of informal voucher financial services system and method.
Background technology
With flourishing for internet financial industry, electric business has obtained very swift and violent development.Each electric business all collects
In in corresponding one large-scale electric business platform, such as Jingdone district, day cat, Taobao, Suning, Tencent etc., by respective platform, gather
Collect numerous electric business trade companies.Consumer is when buying product, it is necessary to its pays money.For some consumers or purchaser
For family, sometimes there is the problem of being not very sufficient in fund, if necessary to real-time payment, then can give buying businessman or disappear
Expense all brings certain difficulty, so as to also be unfavorable for the development of seller.
The content of the invention
The technical problem to be solved in the present invention is to provide a kind of informal voucher financial services system and method, buying side is alleviated
Financial strain, convenience is provided for buying side.
In order to solve the above-mentioned technical problem, the present invention takes following technical scheme：
A kind of informal voucher financial services system, the system are based on electric business platform, the system comprises：
User authentication module, the true and false for difficult user identity；
Air control evaluation module, for analyzing the historical transaction record of user, calculates the trust speed of user, and provides user's
Informal voucher amount；
Financial informal voucher module, user is according to informal voucher amount commodities purchased, and the refund condition of agreement informal voucher；
Billing module, bill is generated according to the buying of user；
Settlement module, is settled accounts according to bill, and notifies buying side and supplier, supplier is arranged delivery, and user completes
Transaction, honours an agreement refund according to the use of informal voucher；
System plugin module, custom system and the insertion of electric business platform, and the warm use of different plug-in units.
A kind of informal voucher financial service method, comprises the following steps：
S1. buying side's registration/login electric business platform；
S2. Ba Futong informal voucher services are opened in application；
S3. buying side often merchandises on electric business platform once generates a transaction record, and electric business platform is gone through according to buying side
History transaction record carries out air control analysis, calculates the degree of belief of buying side；
S4. according to air control analysis result, the current informal voucher amount in buying side is calculated；
S5. buying side uses informal voucher means of payment commodities purchased in electric business platform, and total amount is limited to informal voucher amount；
S6. electric business platform examination ＆ verification order contents, if order contents are eligible, provide order fund, notify buying side and supply
Ying Fang；
S7. supplier's scheduling order is delivered；
S8. buying side completes transaction after receiving cargo；
S9. buying side honours an agreement refund by informal voucher use.
The method further includes：The informal voucher amount of buying side can be analyzed every the setting cycle according to the air control to buying side
Obtained degree of belief, carries out the adjustment of amount.
The step：If the total fund of current order exceedes informal voucher amount, the part more than informal voucher amount needs buying side
Separately pay, and electric business platform receive the fund of overage after can just provide order fund.
The adjustment to informal voucher amount includes the reduction of the raising and amount of amount.
The present invention alleviates the financial strain of buying side, provides convenience for buying side, reduces financial risks.
Embodiment
For that can further appreciate that the feature of the present invention, technological means and the specific purposes reached, function, with reference to
Embodiment is described in further detail the present invention.
Present invention is disclosed a kind of informal voucher financial services system, which is based on electric business platform, and electric business platform is based on corresponding
The B2B electric business food and drink platform commodity transaction method and system in area, including commercial articles searching module, locating module, authentication mould
Block, settlement module, Promotion Module, card module.Commercial articles searching can be carried out in the electric business platform, easy to search.Present system
Including：
User authentication module, the true and false for difficult user identity.User verified by logging in account and password etc., or
Person is fingerprint, face etc., this is routine techniques, and in this not go into detail.
Air control evaluation module, for analyzing the historical transaction record of user, calculates the trust speed of user, and provides use
The informal voucher amount at family.
Financial informal voucher module, user is according to informal voucher amount commodities purchased, and the refund condition of agreement informal voucher.Refund condition
Including mode of repayment, payback period etc..
Billing module, bill is generated according to the buying of user.
Settlement module, is settled accounts according to bill, and notifies buying side and supplier, supplier is arranged delivery, user
Transaction is completed, is honoured an agreement refund according to the use of informal voucher.
System plugin module, custom system and the insertion of electric business platform, and the warm use of different plug-in units.
In addition, a kind of informal voucher financial service method, comprises the following steps：
S1. buying side's registration/login electric business platform.Logged in by the account number and password of setting.
S2. Ba Futong informal voucher services are opened in application.
S3. buying side often merchandises on electric business platform once generates a transaction record, and electric business platform is according to buying side
Historical transaction record carry out air control analysis, calculate buying side degree of belief.Air control assessment transaction record, including transaction into
Work(, Fail Transaction, failure the reason for etc., by big data analysis, thus for buying side be calculated one can trusted informal voucher
Amount.
S4. according to air control analysis result, the current informal voucher amount in buying side is calculated.The informal voucher amount can be every setting week
Phase, the degree of belief analyzed according to the air control to buying side, carries out the adjustment of amount, is analyzed, can carried according to each air control
High or reduction amount.
S5. buying side uses informal voucher means of payment commodities purchased in electric business platform, and total amount is limited to informal voucher amount.
S6. electric business platform examination ＆ verification order contents, if order contents are eligible, provide order fund, notify buying side
And supplier.
S7. supplier's scheduling order is delivered.
S8. buying side completes transaction after receiving cargo.
S9. buying side honours an agreement refund by informal voucher use.
The present invention is based on purchasing user's buying account phase under traditional wire, and the refund week of a certain time is provided for buying user
Phase, so as to alleviate the financial pressure of operation, the purpose of " first picking up goods, rear payment " is realized for buying user.Ensure fund at the same time
Orientation use, prevent fund to be used for other approach, greatly reduce financial risks.
It should be noted that these are only the preferred embodiment of the present invention, it is not intended to limit the invention, although ginseng
The present invention is described in detail according to embodiment, for those skilled in the art, it still can be to foregoing reality
Apply the technical solution described in example to modify, or equivalent substitution is carried out to which part technical characteristic, but it is all in this hair
Within bright spirit and principle, any modification, equivalent replacement, improvement and so on, should be included in protection scope of the present invention
Within.
Claims (5)
1. a kind of informal voucher financial services system, which is based on electric business platform, it is characterised in that the system comprises：
User authentication module, the true and false for difficult user identity；
Air control evaluation module, for analyzing the historical transaction record of user, calculates the trust speed of user, and provides user's
Informal voucher amount；
Financial informal voucher module, user is according to informal voucher amount commodities purchased, and the refund condition of agreement informal voucher；
Billing module, bill is generated according to the buying of user；
Settlement module, is settled accounts according to bill, and notifies buying side and supplier, supplier is arranged delivery, and user completes
Transaction, honours an agreement refund according to the use of informal voucher；
System plugin module, custom system and the insertion of electric business platform, and the warm use of different plug-in units.
2. a kind of informal voucher financial service method, comprises the following steps：
S1. buying side's registration/login electric business platform；
S2. Ba Futong informal voucher services are opened in application；
S3. buying side often merchandises on electric business platform once generates a transaction record, and electric business platform is gone through according to buying side
History transaction record carries out air control analysis, calculates the degree of belief of buying side；
S4. according to air control analysis result, the current informal voucher amount in buying side is calculated；
S5. buying side uses informal voucher means of payment commodities purchased in electric business platform, and total amount is limited to informal voucher amount；
S6. electric business platform examination ＆ verification order contents, if order contents are eligible, provide order fund, notify buying side and supply
Ying Fang；
S7. supplier's scheduling order is delivered；
S8. buying side completes transaction after receiving cargo；
S9. buying side honours an agreement refund by informal voucher use.
3. informal voucher financial service method according to claim 2, it is characterised in that the method further includes：Buying side
Informal voucher amount can be every the setting cycle, and the degree of belief analyzed according to the air control to buying side, carries out the adjustment of amount.
4. informal voucher financial service method according to claim 3, it is characterised in that the step：If the total money of current order
Item exceedes informal voucher amount, then the part more than informal voucher amount needs buying side separately to pay, and electric business platform is received more than portion
Order fund can be just provided after the fund divided.
5. informal voucher financial service method according to claim 4, it is characterised in that the adjustment to informal voucher amount includes
The raising of amount and the reduction of amount.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711223492.0A CN107909444A (en) | 2017-11-29 | 2017-11-29 | A kind of informal voucher financial services system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711223492.0A CN107909444A (en) | 2017-11-29 | 2017-11-29 | A kind of informal voucher financial services system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107909444A true CN107909444A (en) | 2018-04-13 |
Family
ID=61849337
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711223492.0A Pending CN107909444A (en) | 2017-11-29 | 2017-11-29 | A kind of informal voucher financial services system and method |
Country Status (1)
| Country | Link |
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| CN (1) | CN107909444A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109377312A (en) * | 2018-09-29 | 2019-02-22 | 招商局物业管理有限公司 | A kind of online trading system |
| CN109583865A (en) * | 2018-09-29 | 2019-04-05 | 阿里巴巴集团控股有限公司 | Transaction processing method, device, electronic equipment and computer readable storage medium |
| CN109727095A (en) * | 2018-12-29 | 2019-05-07 | 物融通科技有限责任公司 | Capital construction electric business system suitable for supply chain |
| CN111861443A (en) * | 2020-06-24 | 2020-10-30 | 深圳华商云计算信息技术有限公司 | High-speed ETC truck white strip system |
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2017
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Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101599150A (en) * | 2009-04-24 | 2009-12-09 | 阿里巴巴集团控股有限公司 | A kind of implementation method of payable by installment business and system |
| CN103020816A (en) * | 2013-01-21 | 2013-04-03 | 孔庆发 | Online virtual currency third-party credit method and data processing system thereof |
| CN104933558A (en) * | 2015-05-29 | 2015-09-23 | 百度在线网络技术（北京）有限公司 | Order payment method and device |
| CN105243591A (en) * | 2015-09-11 | 2016-01-13 | 江苏大泰信息技术有限公司 | Method for monitoring Internet financial large-amount capital risks by using big data |
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| 陈月生: "互联网信用支付的SWOT问题分析-以蚂蚁花呗为例", 《通化师范学院学报（人文社会科学）》 * |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109377312A (en) * | 2018-09-29 | 2019-02-22 | 招商局物业管理有限公司 | A kind of online trading system |
| CN109583865A (en) * | 2018-09-29 | 2019-04-05 | 阿里巴巴集团控股有限公司 | Transaction processing method, device, electronic equipment and computer readable storage medium |
| CN109727095A (en) * | 2018-12-29 | 2019-05-07 | 物融通科技有限责任公司 | Capital construction electric business system suitable for supply chain |
| CN111861443A (en) * | 2020-06-24 | 2020-10-30 | 深圳华商云计算信息技术有限公司 | High-speed ETC truck white strip system |
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| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180413 |
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| RJ01 | Rejection of invention patent application after publication |