CN107977891A - A kind of tripartite's credit transaction method for including bank's identification and evaluation system - Google Patents
A kind of tripartite's credit transaction method for including bank's identification and evaluation system Download PDFInfo
- Publication number
- CN107977891A CN107977891A CN201711183232.5A CN201711183232A CN107977891A CN 107977891 A CN107977891 A CN 107977891A CN 201711183232 A CN201711183232 A CN 201711183232A CN 107977891 A CN107977891 A CN 107977891A
- Authority
- CN
- China
- Prior art keywords
- scr
- credit
- bank
- mobile phone
- tripartite
- 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.)
- Granted
Links
- 238000000034 method Methods 0.000 title claims abstract description 15
- 238000011156 evaluation Methods 0.000 title claims abstract description 14
- 239000004973 liquid crystal related substance Substances 0.000 claims description 19
- 230000006698 induction Effects 0.000 claims description 12
- 238000004519 manufacturing process Methods 0.000 claims description 9
- WHXSMMKQMYFTQS-UHFFFAOYSA-N Lithium Chemical compound [Li] WHXSMMKQMYFTQS-UHFFFAOYSA-N 0.000 claims description 6
- 230000005764 inhibitory process Effects 0.000 claims description 6
- 229910052744 lithium Inorganic materials 0.000 claims description 6
- 230000010354 integration Effects 0.000 claims description 4
- DMBHHRLKUKUOEG-UHFFFAOYSA-N diphenylamine Chemical compound C=1C=CC=CC=1NC1=CC=CC=C1 DMBHHRLKUKUOEG-UHFFFAOYSA-N 0.000 claims description 2
- 230000005611 electricity Effects 0.000 claims description 2
- 230000002747 voluntary effect Effects 0.000 claims description 2
- 230000008901 benefit Effects 0.000 abstract description 6
- 238000010586 diagram Methods 0.000 description 10
- 238000012546 transfer Methods 0.000 description 9
- 230000006870 function Effects 0.000 description 8
- 230000008859 change Effects 0.000 description 7
- 238000012790 confirmation Methods 0.000 description 7
- 238000005516 engineering process Methods 0.000 description 7
- 238000013461 design Methods 0.000 description 6
- 238000011161 development Methods 0.000 description 6
- 239000000463 material Substances 0.000 description 6
- 229910052751 metal Inorganic materials 0.000 description 4
- 239000002184 metal Substances 0.000 description 4
- 238000000465 moulding Methods 0.000 description 4
- 239000004033 plastic Substances 0.000 description 4
- 230000001680 brushing effect Effects 0.000 description 3
- 230000002123 temporal effect Effects 0.000 description 3
- 238000012795 verification Methods 0.000 description 3
- CWYNVVGOOAEACU-UHFFFAOYSA-N Fe2+ Chemical compound [Fe+2] CWYNVVGOOAEACU-UHFFFAOYSA-N 0.000 description 2
- 229910003460 diamond Inorganic materials 0.000 description 2
- 239000010432 diamond Substances 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 239000004744 fabric Substances 0.000 description 2
- 235000013305 food Nutrition 0.000 description 2
- 239000010985 leather Substances 0.000 description 2
- 238000003012 network analysis Methods 0.000 description 2
- 229910000510 noble metal Inorganic materials 0.000 description 2
- 239000005060 rubber Substances 0.000 description 2
- -1 scissors Substances 0.000 description 2
- 239000004575 stone Substances 0.000 description 2
- 238000005406 washing Methods 0.000 description 2
- XLYOFNOQVPJJNP-UHFFFAOYSA-N water Substances O XLYOFNOQVPJJNP-UHFFFAOYSA-N 0.000 description 2
- 230000009471 action Effects 0.000 description 1
- 230000006978 adaptation Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 239000004566 building material Substances 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 230000008878 coupling Effects 0.000 description 1
- 238000010168 coupling process Methods 0.000 description 1
- 238000005859 coupling reaction Methods 0.000 description 1
- 230000035622 drinking Effects 0.000 description 1
- 239000000686 essence Substances 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 238000003780 insertion Methods 0.000 description 1
- 230000037431 insertion Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000011017 operating method Methods 0.000 description 1
- 238000002360 preparation method Methods 0.000 description 1
- 230000008569 process Effects 0.000 description 1
- 230000004044 response Effects 0.000 description 1
- 230000035807 sensation Effects 0.000 description 1
- 235000013311 vegetables Nutrition 0.000 description 1
Classifications
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Telephonic Communication Services (AREA)
Abstract
The present invention is a kind of tripartite's credit transaction method for including bank's identification and evaluation system, it includes a tripartite transaction with credit platform TCT, and the tripartite of credit transaction is：Buyer, the seller and bank credit side, person identification and credit appraisal, radio frequency credit finger ring CR or radio frequency credit mobile phone shell CPS, intelligent card reader SCR are carried out by the special APP softwares of bank's mobile phone, using modern wireless telecommunications and internet as support, each transaction can all produce a new loan in the form of debt-credit, realize the maximization of social funds benefit.Realize the maximization of social funds benefit, cash-freeization, credit, electronization, digitization are realized in commodity transaction service trade.
Description
Technical field
The present invention relates to a kind of mobile phone to add credit finger ring to add tripartite's credit transaction method of bank's identification and evaluation system.It is one
Kind is tripartite's credit that is leading, being played an active part in by operator and consumer by government driving, by bank or third-party payment system
Transaction platform, tripartite's credit transaction pattern based on credit, English：Three party credit transaction
Platform english abbreviations：TCT.
Background technology
It is known that all trade in goods and services among the people since ancient times, are nearly all to buy, selling both sides' justice, voluntary
In the environment of carry out.Buyer must have hope and the necessary fund of purchase commodity or service, and the seller must also have inexpensive thing
Beautiful commodity or the content of good service, could so form a complete rational transaction relationship.
The e-commerce popularity rate in China has reached very high level at present, is paid with Alipay and wechat as representative
Third Party Payment System system scale is increasing, and the participation of consumer and businessman are also higher and higher.But they are still
As soon as two side's trade modes under a height electronic payment platform, if band mobile phone can not completed as seen, without intelligence
The older mobile phone of function, which can be changed, to participate in business, and children and disabled person are it is even more impossible to realize electronic transaction, and consumption values are still
It is so traditional old model consumed afterwards of first making money.If without a kind of reliable, convenient, fast, safe hardware means and one
The efficient system platform of kind, electronic transaction are impossible to complete to the popular development of depthization.So tripartite's transaction with credit platform
TCT is exactly the road for the certainty that we develop.Fundamentally to realize cash-freeization of social commodities and service trade, electronization,
Digitization and creditization we must just be done from " unitary loan ".But " unitary loan " is precisely the blank of modern social development,
Because it is closely bound up with the life of our common people, and tripartite's interests are also closely bound up.Existing e-commerce can not be from " one
Member is borrowed " do, because it can not ensure the justice of tripartite's profit, its height relies on mobile phone and the transaction of brush Quick Response Code, and bank is whole
It is the third party rather than third party in a process of exchange.Following TCT trade modes must be by government driving, bank master
Lead, both parties participate in the new trade mode that benefits jointly jointly.
The content of the invention：
The present invention overcomes existing electronic trade platform there are the drawbacks of, there is provided a kind of mobile phone add credit finger ring add bank identification comment
Tripartite's credit transaction method of valency system.Advocate it is fair, voluntarily, it is sincere on the basis of establish that one cash-free, credit, electronics
Change, digitization, brand-new convenient, fast, safe consumer environment.Make full use of cell phone application platform and radio frequency credit finger ring CR,
The technical advantage of the read-write machine dedicated simultaneous U-shield MPR-U of radio frequency credit mobile phone shell CPS, intelligent card reader SCR, mobile phone, creates one more
Add science, more perfect, the more vibrant consumption world.
The TCT patterns of the invention for proposing tripartite's transaction with credit for the first time.The basis of TCT is fair, credit；Method is profit
With the special APP softwares of mobile phone, radio frequency credit finger ring CR and radio frequency credit mobile phone shell CPS, intelligent card reader SCR and the special reading of mobile phone
It is front end to write device MPR-U, the Safety secure platform using bank individual identification and credit evaluation system as backstage；Utilize the modern times
Wireless telecommunications and Internet technology are the TCT security systems relied on, the result is that each transaction can all be produced in the form of debt-credit
One new loan, realizes the maximization of social funds benefit, and cash-freeization, credit, electricity are realized in commodity transaction service trade
Sonization, digitization.
The special APP software systems of mobile phone in TCT platforms.The APP systems can only serve TCT workbenches.It can be with
Adapt to apple iOS, Google Android, Saipan Symbian, the mobile phone operating system of Microsoft Windows phone.APP interfaces must
Face identification system must be included, comprising personal credit account management system, comprising to radio frequency credit finger ring CR, radio frequency credit mobile phone
The use management system of the read-write machine dedicated simultaneous U-shield MPR-U of shell CPS, intelligent card reader SCR, mobile phone, includes MPR-U shields fund and turns
Account management system, comprising with banking supervision department inquiry complain management system, comprising built-in system software support Baidu map,
The software protocol file of Google Maps, GPS or BEI-DOU position system.APP softwares are dominated by bank, by contracted user in bank
After load off the net, after real name registration and SMS confirmation, in the registrable use in secondary-confirmation rear by face identification system.
APP Software for Design can be realized using the prior art.
Above-described credit finger ring（Ring）CR using it is existing it is most ripe, most widely used electronic radio-frequency is read-write
Chip manufacturing, the function of its IC card such as with bank card, mass transit card, parking card, social security card, identity card with effect be it is consistent, it
There is uniqueness, confidentiality, untouchable and can read and write repeatedly.CR is that radio frequency chip and coupled antenna are integrated edge
In finger ring, get up be not different with common finger ring from the appearance.It can be incited somebody to action by the finger size and hobby of different crowd
CR makes different styles and size, and CR can use high molecular material and PVC plastic to manufacture, can also use non-ferrous metal or
Noble metal manufactures, and jewelry diamond can be inlayed on CR, can also make craftwork.Consumer carries CR and is convenient to, it
Need to only be worn on finger conveniently to consume " drop " card, it does not have to packed battery, be not afraid of washing and spot, round-the-clock can carry
And use.The mobile phone contractor of each TCT can configure several CR, the authentication control object image in each CR,
With the confirmation in consumption place, the size of spending amount, is all to be determined by mobile phone contractor in the APP softwares of mobile phone, CR's
User can not possibly modify it.
Above-described credit mobile phone shell CPS is also to be fabricated using electronic radio-frequency Integration ofTechnology, and CPS is by radio frequency core
Piece and coupled antenna are integrated into mobile phone shell, are used by bank with TCT contractors are issued, according to the developing direction of mobile phone market,
Production adapts to various mobile phones can use high molecular material and PVC plastic to manufacture including old man, the CPS of child mobile phone, CPS,
The material manufactures such as metal, leather, rubber can be used.
Above-described intelligent card reader SCR. is that the intelligent RF card reader for issuing signing operator is matched somebody with somebody by bank, and SCR has
The IP address and bank management code, SCR of oneself are powered using power supply adaptor, can also use lithium battery power supply.It can be with
It is divided into that gate inhibition is fixed, three kinds of formula of moving playing surface and hand-held mobile.There is " drop " card induction zone in the front of SCR, it passes through
The information that transmitting microwave signal will be close to its CR and CPS is read out.The SCR of the present invention is except that can read CR's and CPS
Outside information, GPS or BEI-DOU position system and camera are also provided with, and all design in the inside and outside both sides for the formula SCR that moves playing surface
There are liquid crystal display and audio, lamp flashing light system, side is also equipped with numeric keypad inwardly.When CR or CPS is brushing single on SCR,
SCR automatically by network connection bank server, can transmit the identity and consumption information of consumer.If the brush list of small amount
CPS can pass through on the spot.If middle limit or wholesale consumption, CPS can carry out hand verification by the requirement of bank or face is tested
Card and mobile phone identifying code verification.GPS or BEI-DOU position system are housed, the real-time geographic coordinate that it will can merchandise each time on CPS
Information and temporal information send bank server to, and SCR can remove consumer record automatically after merchandising each time.
The read-write machine dedicated simultaneous U-shield MPR-U of above-described mobile phone, is that the mobile phone that bank customizes exclusively for contracted user is special
Information and instruction can be transmitted to CR and CPS by reader and U-shield, mobile phone by MPR-U.It connects mobile phone by a flexible cord
CR, only need to be placed on MPR-U or MPR-U is attached on the CPS of mobile phone, the information of CR and CPS will pass through by data port
MPR-U is automatically uploaded in the APP of mobile phone, and cell phone application similarly can be passed to instruction on CR and CPS by MPR-U.
MPR-U is the U-shield in cell phone application funds transfer systems again at the same time, there is a small-sized liquid crystal display and one at the back side of MPR-U
A button.This U-shield must be inserted into data in mobile phone port during transfer operation, only when liquid crystal display lights and press U-shield by
Button transfer operation can just be completed.
The method for carrying out identification using finger moulding password or coat-sleeve LOGO, exceedes bank or signing when consumption brush is single
In person's setting in limited time, SCR may require that buyer is verified twice, and buyer only need to be by the shooting of one or two hand alignment SCR
Head, do the finger being recorded in a CR or CPS appearance, for example, stone, scissors, cloth can, or cuff with it
The image contrast of any LOGO or adornment can also, as long as the consistent transaction of contrast can succeed.If each single consumption will
If asking brush face or input password, consumer understands feeling bored and barren.Finger moulding can accomplish ever-changing, change not
Survey, but also can accomplish that Monday to Sunday is all different daily, geographical setting coordinate food market, supermarket can also be used to use
Different hand password authentification consumption.
The present invention proposes a kind of brand-new TCT patterns：Intelligent card reader is added to be front end with mobile phone plus credit finger ring, with
Bank individual identification and the Safety secure platform that credit evaluation system is backstage.The platform be tripartite it is fair, voluntarily, know
Carried out in the case of feelings, each transaction is all tripartite's credit transaction contract, and contract is participated in and supervised jointly in tripartite
Superintend and direct what the modern wireless communication technique means of lower utilization were completed in moment.The tripartite of credit transaction is：Buyer, the seller and bank credit
Side.The basis of TCT is fair, credit；Really realize that no mobile phone, cash, credit card can also be consumed and merchandise, can also be into
Row nongovernmental fund is made a short-term loan on.The core of TCT patterns is exactly to utilize modern electronic technology, progressively that social commodities service consumption is all real
Existing electronization, credit, realize the change of consumption values, i.e., are consumed afterwards from first making money to first consuming the change of going back money afterwards.By
Step realizes the monthly income of one family in addition to payment of duty and also loan early period, remaining money can be completely used for managing money matters and throwing
Money；The current consumption spending of family includes：Earlier, buy vegetables, public transport, subway, hospital, supermarket, net purchase, tourism, telephone expenses, oiling,
It can be solved to child and old man's pocket money by bank credit.As long as remaining personal creditable thing gives bank
Do.As long as being done step-by-step, individual is creditable to accomplish that " having no money " is walked all over the world.
Each moment that the TCT of the present invention can merchandise social commodities, behavior is recorded each time, with big number
According to network analysis management, progressively fundamentally realize cash-freeization of social commodities and service trade, electronization, digitization and
Credit.The Scientific Management Model of TCT can be realized comprehensively by being done from " unitary loan ", since public transport, subway, taxi, from
Food market, eating and drinking establishment, clothes shop, hair salon, carwash shop, gas station, small pharmacy, small supermarket do, progressively to aircraft, high ferro,
Train, long-distance bus, large supermarket, brand clothing city, electric appliance market, building materials market, net purchase, tourism and insurance market are comprehensive
Spread out.The consumer group and scale of operation can progressively be expanded, from urban development to rural area, from it is coastal develop into it is interior, from the country
Development is gone abroad.Accomplish general receiving of consumer, feel that easy to use, safe, to one's profit, child old man uses and is easy to；Through
General accreditation of battalion person, be ready to play an active part in, and entirely goods wholesale, supply chain are all in this system, without worrying again
Commodity supply supplies and the retrospect problem of commercial quality, can also avoid the puzzlement of counterfeit money and inferior goods；Bank credit side has
Li Ketu, capital efficiency can greatly improve, and the bulk information for buying, selling both sides, system can be grasped by big data network analysis
Make accurately developing goal.TCT is different from housing loan and car and borrows, the first stage only include retail business, general consumer goods wholesale business,
And service trade, by the way of consumer generally using repaying in short term or by stages, loan interest rate should be less than market rate, allow consumer
Feel economical.Bank is mainly from the middle profit of drawing water of the seller.As long as the seller enters this system, it must just make concessions, no
Then it can be at the end of one's rope under the pressure of rival.Revenue department can also be grasped using the system and buy, sell the complete of both sides
Tax affairs, and the tax invoice management system for adapting to TCT development can be developed on the basis of the platform；The statistical department of government
The market truth that market supplied, needed both sides can be accurately understood by the system, is National Macroscopic development strategy decision service.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is attached drawing needed in technology description to do simple introduction, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, without having to pay creative labor, can be with
Other attached drawings are obtained according to these attached drawings.
Fig. 1 is the credit finger ring of the present invention（Ring）The schematic diagram of CR.
Fig. 2 is the schematic diagram of the credit mobile phone shell CPS of the present invention.
Fig. 3 is the schematic diagram of the fixed intelligent card reader SCR of gate inhibition of the present invention.
Fig. 4 is the schematic diagram of the formula intelligent card reader SCR that moves playing surface of the present invention.
Fig. 5 is the schematic diagram of the hand-held mobile intelligent card reader SCR of the present invention.
Fig. 6 is the mobile phone line schematic diagram of the read-write machine dedicated MPR-U of the present invention.
Fig. 7 is the read-write machine dedicated MPR-U band U-shield schematic diagrames of the present invention.
Fig. 8 is the hand change password schematic diagram of the present invention.
Fig. 9 is the hand change password schematic diagram of the present invention.
In figure：The fixed SCR of 1-gate inhibition swipes the card induction zone, 2-formula of moving playing surface SCR fronts liquid crystal display, and 3-table top moves
Dynamic formula SCR flash lamps, 4-formula of moving playing surface SCR cameras, 5-formula of moving playing surface SCR electronic sound generators, 6-formula of moving playing surface
SCR swipes the card induction zone, liquid crystal display on the inside of 7-formula of moving playing surface SCR, 8-formula of moving playing surface SCR input keyboards, 9-hand-held
Portable SCR electronic sound generators, 10-hand-held mobile SCR cameras, 11-hand-held mobile SCR flash lamps, 12-hand-held
Portable SCR liquid crystal displays, 13-hand-held mobile SCR swipe the card induction zone, 14-hand-held mobile SCR input keyboards,
15-read-write machine dedicated MPR-U swipes the card induction zone, 16-read-write machine dedicated MPR-U data cables, 17-read-write machine dedicated MPR-U bands
U-shield liquid crystal display, 18-read-write machine dedicated MPR-U band U-shield buttons.
Embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only the part of the embodiment of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained all other under the premise of not making the creative labor
Embodiment, belongs to protection scope of the present invention.
Tripartite's transaction with credit platform TCT of the present invention is to utilize the special APP softwares of mobile phone, radio frequency credit finger ring CR and radio frequency
Credit mobile phone shell CPS, intelligent card reader SCR and the read-write machine dedicated MPR-U of mobile phone are front end, with bank individual identification and letter
With the Safety secure platform that evaluation system is backstage；Using modern wireless telecommunications and Internet technology to rely on, each transaction
A new loan will be produced in the form of debt-credit, realizes the maximization of social funds benefit, commodity transaction service trade is real
Existing cash-freeization, credit, electronization, digitization.
The special APP software systems of mobile phone in TCT platforms.The APP system services are in TCT workbenches.It is adapted to
Apple iOS, Google Android, Saipan Symbian, the mobile phone operating system of Microsoft Windows phone.APP interfaces must wrap
Containing face identification system, comprising personal credit account management system, comprising to radio frequency credit finger ring CR, radio frequency credit mobile phone shell
The use management system of the read-write machine dedicated simultaneous U-shield MPR-U of CPS, intelligent card reader SCR, mobile phone, transfers accounts comprising MPR-U shield funds
Management system, comprising the management system that complaint is inquired about with banking supervision department, includes built-in system software support Baidu map, paddy
The software of map, GPS or BEI-DOU position system is sung, APP softwares are dominated by bank, by contracted user after bank's load off the net,
After real name registration and SMS confirmation, in the registrable use in secondary-confirmation rear by face identification system.Related in APP softwares
And face identification system, the software comprising personal credit account management system, various management systems, alignment system can all apply
The prior art is completed to design.
The credit finger ring of the present invention（Ring）English：Credit ring english abbreviations：CR, as shown in Figure 1, being CR
Most common moulding, CR be it is most ripe using technology in the world, the most widely used read-write chip manufacturing of electronic radio-frequency, it
Be with the function of the IC card such as bank card, mass transit card, parking card, social security card, identity card with effect it is consistent, it have uniqueness,
Confidentiality, the untouchable and function that can read and write repeatedly.CR is to integrate radio frequency chip and coupled antenna to be embedded in finger ring,
Get up from the appearance and be not different with common finger ring, it is special customized and develop by bank.By the finger of different crowd
CR can be made different styles and size by size and hobby, and CR can use high molecular material and PVC plastic to manufacture, also may be used
To be manufactured using non-ferrous metal or noble metal, jewelry diamond can be inlayed on CR, craftwork can also be made.Consumer carries
CR is very convenient, it, which need to be only worn on finger, conveniently to consume " drop " card, it does not have to packed battery, is not afraid of washing and spot,
Can round-the-clock carrying and use.CR and mobile phone or a pair of natural companion in fact, the function of CR is exactly the extension of mobile phone, is disappeared
Expense person can in no band mobile phone or in the case of taking out mobile phone inconvenience, go " to drip " induction zone of intelligent card reader with CR and
Transaction is completed, this is a kind of very convenient, quick and safe mode of doing business.The mobile phone contractor of each TCT can match somebody with somebody
Several CR, such as oneself CR are put, the child, old man and nurse to family are respectively equipped with a CR.Identity in each CR
Verification control object image, and the confirmation in consumption place, the size of spending amount, is all in cell phone application software by mobile phone contractor
In determine, the user of CR can not possibly modify it." drop " each time card consumption of CR, signing mobile phone can all receive one
Bar consumes short message, can indicate above：Which CR under the machine master has somewhere carried out any consumption, and the amount of money is more
It is few.CR is also used as family, cell, cell gate and the gate inhibition of work unit and " drop " card of attendance recorder uses.
The English of the credit mobile phone shell of the present invention：Credit phone shell english abbreviations：CPS, is as shown in Figure 2
The common moulding of CPS.CPS is also to be fabricated using electronic radio-frequency Integration ofTechnology as CR, and CPS is by radio frequency chip and coupling
Antenna is closed to integrate in casing in one's hands.CPS is to develop supervision manufacture by bank, is used by bank with TCT contractors are issued.Bank
Can be according to the developing direction of mobile phone market, producing the various mobile phones of adaptation includes old man, the CPS of child mobile phone.CPS can use height
Molecular material and PVC plastic manufacture, can also use the material manufactures such as metal, leather, rubber.
The English of the fixed intelligent card reader of gate inhibition of the present invention：Smart card reader english abbreviations：SCR..Such as
It is entrance control type SCR shown in Fig. 3, can be built up on the inside of the entrance door of bus and on the inside of exit door, or the sluice gate that enters the station of subway
At outbound sluice gate, or on rear side of the pilot set of taxi.SCR can be that external hanging type design can also be that insertion is design.SCR
It is to match somebody with somebody the intelligent RF card reader for issuing signing operator by bank, SCR has the IP address and bank management code of oneself.SCR
It must be used under the network environment of safety, SCR is powered using power supply adaptor, can also use lithium battery power supply.SCR is just
There is " drop " card induction zone 1 in face, and the information that it will be close to its CR and CPS by launching microwave signal is read out.SCR is also
Including GPS or Big Dipper positioning and electronic sound system.When CR or CPS blocks in " drop " on SCR, SCR can send an acoustic-electric consonant
Ring and respond, and automatically by network connection bank server, transmit the identity and consumption information of consumer, it at the same time can will be each
The geographic coordinate information and temporal information of secondary " drop " card send bank server to.SCR can be removed automatically after merchandising each time to disappear
Take record.
As shown in figure 4, it is the formula intelligent card reader SCR that moves playing surface of the present invention.SCR is bank with issuing signing operator
Intelligent RF card reader, SCR has the IP address and bank management code of oneself.SCR must make under the network environment of safety
With SCR is powered using power supply adaptor, can also use lithium battery power supply.There is one " drop " card in the front of formula of moving playing surface SCR
Induction zone 6, the information that it will be close to its CR and CPS by launching microwave signal are read out.The SCR of the present invention is except can be with
Read outside the information of CR and CPS and also specially be furnished with camera 4, it be in order to further confirm that the identity of consumer, can be live
Enroll consumer's hand password and face information.The inside and outside both sides of formula of moving playing surface SCR are all designed with liquid crystal display 2,7 and
Electrophonic musical device 5, flash lamp 3, inwardly side be also equipped with input keyboard 8.In the display of the liquid crystal display 2,7 of inside and outside both sides
Appearance is one to electrophonic musical device 5 is to respond consumer when CR or CPS brushes are single, and flash lamp 3 can be in night brightness
Camera is taken pictures light filling.When CR or CPS is brushing single on SCR, SCR can disappear automatically by network connection bank server, transmission
The identity and consumption information of the person of expense.GPS or BEI-DOU position system are housed, the real-time geographic that will can be merchandised each time automatically on CPS
Coordinate and temporal information send bank server to.SCR can remove consumer record automatically after merchandising each time.
As shown in figure 5, it is the hand-held mobile intelligent card reader SCR of the present invention.SCR is bank with issuing signing operator
Intelligent RF card reader, SCR has the IP address and bank management code of oneself.SCR must make under the network environment of safety
With SCR is powered using power supply adaptor, can also use lithium battery power supply.The upper center of hand-held mobile SCR has one
" drop " card induction zone 13, the information that it will be close to its CR and CPS by launching microwave signal are read out.Hand-held mobile
SCR is also specially furnished with camera 10 in addition to it can read the information of CR and CPS, in order to further confirm that the body of consumer
Part, scene admission consumer's hand password and face information.The upper front part of formula of moving playing surface SCR is also devised with liquid crystal display
12 and electrophonic musical device 9, flash lamp 11, input keyboard 14 is also equipped with rear side of top.Electrophonic musical device 9 is single in CR or CPS brushes
Mono- sound consumers of Shi Huiying, flash lamp 11 can be designed in night brightness for camera light filling of taking pictures.On hand-held mobile SCR
A horizon sensor is also equipped with, when SCR is in level or towards one side of operator, the liquid crystal display numeral only meeting on SCR
Shown towards one side of operator, if SCR is tilted to consumer side, the numeral on liquid crystal display will turn to consumer one
Side.When CR or CPS is brushing single on SCR, SCR automatically by network connection bank server, can transmit consumer identity and
Consumption information.GPS or BEI-DOU position system are housed on CPS, automatically can be believed the real-time geographic coordinate merchandised each time and time
Breath sends bank server to.SCR can remove consumer record automatically after merchandising each time.
The read-write machine dedicated MPR of the present invention（Read-write machine dedicated English:Mobile phone reader english abbreviations：
MPR）.Because MPR has the function of U-shield at the same time, MPR-U is adjusted to.As shown in fig. 6, it is that MPR-U banks use exclusively for signing
The mobile phone of family customization is read-write machine dedicated.One " drop " card inductor 15 of MPR-U frontal designs and a data line 16 can connect
Information and instruction can be transmitted to CR and CPS by the data port of catcher machine, mobile phone by MPR-U, and CR need to be only placed on by operator
MPR-U is upper or MPR-U is attached on the CPS of mobile phone, and the information of CR and CPS will be automatically uploaded to mobile phone by MPR-U
In APP, instruction can also be delivered on CR and CPS by cell phone application by MPR-U.MPR-U is in itself without battery, because it is
Power by mobile phone.
As shown in fig. 7, it is the read-write machine dedicated MPR-U band U-shields of the present invention.MPR-U is that bank determines exclusively for contracted user
The read-write machine dedicated simultaneous U-shield of mobile phone of system.MPR-U devises a small-sized liquid crystal display 17 and a function with the U-shield back side
Button 18, it connects the data port of mobile phone by data cable 16.MPR-U bands U-shield is again at the same time cell phone application funds transfer systems
In U-shield, when mobile phone contractor needs to carry out fund transfer operation with APP, only data cable 16 need to be inserted into data in mobile phone end
In mouthful, according to APP operating procedures after be totally lost identifying code and payment cipher, liquid crystal display 17 can light, when having contrasted display
Account transfer content in device is without mistaking, as long as signing is pressed 18 transfer operation of U-shield button and can just be completed.With CR or CPS in bank
ATM machine on can also carry out transfer operation, be furnished with SCR functional areas in the ATM machine of bank.ATM machine meeting after consumer's " drop " card
Display input password or the requirement of recognition of face, if Password Input or recognition of face are correct, remaining operation can
To continue in ATM machine.
As shown in Figure 8, Figure 9, it is the hand change password schematic diagram of the present invention.The present invention is to use ever-changing hand
The principle of iconography contrast carries out the setting of simplified cipher（Such as stone, scissors, cloth）.Although the key exponent of hand password
It is low, but its consumption secrecy to general low amount be it is enough, if common small amount consumption also with numerical ciphers or
If being authentication code, consumer's feeling bored and barren can be allowed.And it is a kind of fresh and new that people can be allowed to have if using hand password
Sensation.And the varied setting of hand code is easy, child old man easily remembers.
Present invention includes in bracelet, wrist-watch（Watchband）, bangle and making and CR function phases are inlayed in coat-sleeve button
As technology.
The special APP of mobile phone in TCT systems is designed by bank, true through real name registration and short message after being downloaded by contracted user
It can be used after recognizing by the secondary-confirmation rear of face identification system.Each signing consumer and signing operator are in TCT
APP banking systems in have a special bank account, have three under the account to N number of two level or three-level account.Wherein：One
A credit payment settlement accounts, a money circuit account and an investment, financing account.It can be inquired from the account
The total assets of householder and the situation of total liability, can inquire investment, the situation of financing of householder, can inquire this day, sheet
Week, this month, current season and this year whole consumption flowing water situations, the bank's integration and personal credit of householder can be inquired
The situation of grade.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
With within principle, any modification, equivalent replacement, improvement and so on, should be included within the protection category of the present invention god.
Claims (6)
- A kind of 1. tripartite's credit transaction method for including bank's identification and evaluation system, it is characterised in that：Believe including a tripartite With transaction platform TCT, the tripartite of credit transaction is：Buyer, the seller and bank credit side, i.e., by the special APP softwares of bank's mobile phone Person identification and credit appraisal, radio frequency credit finger ring CR or radio frequency credit mobile phone shell CPS, intelligent card reader SCR are carried out, with To rely on, each transaction can all be produced a new loan in the form of debt-credit, realize society for modern wireless telecommunications and internet The maximization of the meeting efficient use of capital；The credit finger ring CR, using the read-write chip manufacturing of electronic radio-frequency, CR is to integrate radio frequency chip and coupled antenna It is embedded in finger ring, CR is manufactured by banking supervision；The credit mobile phone shell CPS, is manufactured using electronic radio-frequency Integration ofTechnology, radio frequency chip and coupled antenna is integrated in one's hands In casing, CPS is manufactured by banking supervision；The intelligent card reader SCR is matched somebody with somebody the intelligent RF card reader for issuing signing operator by bank, and SCR is with having the IP of oneself There is " drop " card induction zone in location and bank management code, the front of SCR, it by launch microwave signal will be close to its CR and The information of CPS is read out, and SCR further includes GPS or Big Dipper positioning and electronic sound system；Intelligent card reader is added to be front end with credit finger ring or credit mobile phone shell, with bank individual identification and credit evaluation system For backstage, platform transaction is carried out in the case where tripartite is fair, voluntary, informed, and each transaction is all a tripartite Credit transaction contract, contract are to participate in and supervise jointly lower moment in tripartite to complete.
- 2. the tripartite's credit transaction method according to claim 1 for including bank's identification and evaluation system, it is characterised in that： The intelligent card reader SCR includes the fixed SCR of gate inhibition, is built up on the inside of the entrance door of bus and on the inside of exit door, or It is at enter the station sluice gate and the outbound sluice gate of subway, or on rear side of the pilot set of taxi.
- 3. the tripartite's credit transaction method according to claim 1 for including bank's identification and evaluation system, it is characterised in that： The intelligent card reader SCR includes the formula SCR that moves playing surface, and is that the intelligent RF card reader for issuing signing operator is matched somebody with somebody by bank, SCR has the IP address and bank management code of oneself, and formula of moving playing surface SCR is powered using power supply adaptor or lithium battery power supply, There is " drop " card induction zone in front, and equipped with camera, there are liquid crystal display and electricity in the inside and outside both sides of formula of moving playing surface SCR Sub- acoustical generator, flash lamp, inwardly side be also equipped with input keyboard.
- 4. the tripartite's credit transaction method according to claim 1 for including bank's identification and evaluation system, it is characterised in that： The intelligent card reader SCR includes hand-held mobile SCR, is that the intelligent RF card reader for issuing signing operator is matched somebody with somebody by bank, SCR has the IP address and bank management code of oneself, uses power supply adaptor power supply or lithium battery power supply, hand-held mobile SCR Upper center have " drop " card induction zone, equipped with camera, front upper is equipped with liquid crystal display and electrophonic musical device, dodges Light lamp, back side top are also equipped with input keyboard, a horizon sensor are also equipped with hand-held mobile SCR, when SCR is in level Or during towards one side of operator, liquid crystal display on SCR numeral can only be shown towards one side of operator, if SCR is to consumer one Roll tiltedly, the numeral on liquid crystal display will turn to consumer side.
- 5. the tripartite's credit transaction method according to claim 1 for including bank's identification and evaluation system, it is characterised in that： Another form of the intelligent card reader SCR is the read-write machine dedicated MPR-U for the function of having U-shield, and MPR-U is that bank is special Read-write machine dedicated for the mobile phone of contracted user, MPR-U fronts have " drop " card inductor to connect mobile phone with a data line Information and instruction are transmitted to CR and CPS by data port, mobile phone by MPR-U, and the information of CR and CPS will be automatic by MPR-U Upload in the APP of mobile phone, instruction can also be delivered on CR and CPS by cell phone application by MPR-U.
- 6. the tripartite's credit transaction method according to claim 1 for including bank's identification and evaluation system, it is characterised in that： Another form of the intelligent card reader SCR is read-write machine dedicated MPR-U band U-shield, MPR-U band U-shields be bank exclusively for The mobile phone of contracted user is read-write machine dedicated and there are a small-sized liquid crystal display and a function button in U-shield, its back side, it is logical Cross the data port of data cable connection mobile phone.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711183232.5A CN107977891B (en) | 2017-11-23 | 2017-11-23 | Three-party credit transaction method comprising bank identification and evaluation system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711183232.5A CN107977891B (en) | 2017-11-23 | 2017-11-23 | Three-party credit transaction method comprising bank identification and evaluation system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN107977891A true CN107977891A (en) | 2018-05-01 |
| CN107977891B CN107977891B (en) | 2021-09-17 |
Family
ID=62011191
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711183232.5A Expired - Fee Related CN107977891B (en) | 2017-11-23 | 2017-11-23 | Three-party credit transaction method comprising bank identification and evaluation system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107977891B (en) |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101741956A (en) * | 2009-09-25 | 2010-06-16 | 李镇波 | Mobile phone |
| CN102750558A (en) * | 2011-04-20 | 2012-10-24 | 张默 | Implementation method of multifunctional intelligent electronic label management system based on cloud computation |
| CN103560890A (en) * | 2013-11-18 | 2014-02-05 | 黄燕平 | Networked transaction system and method based on mobile terminal |
| CN103927651A (en) * | 2014-04-23 | 2014-07-16 | 百度在线网络技术（北京）有限公司 | Trading method, system and server |
| CN104240077A (en) * | 2014-09-03 | 2014-12-24 | 萧东 | Code encryption device based on short-distance wireless communication technology |
| CN105388820A (en) * | 2014-08-25 | 2016-03-09 | 深迪半导体(上海)有限公司 | Intelligent monitoring device and monitoring method thereof, and monitoring system |
| CN206021334U (en) * | 2016-07-31 | 2017-03-15 | 李志楠 | Portable financial finger ring |
| CN107016274A (en) * | 2016-01-28 | 2017-08-04 | 昆明我行科技有限公司 | Wireless U shield with fingerprint identification function and use method thereof |
-
2017
- 2017-11-23 CN CN201711183232.5A patent/CN107977891B/en not_active Expired - Fee Related
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101741956A (en) * | 2009-09-25 | 2010-06-16 | 李镇波 | Mobile phone |
| CN102750558A (en) * | 2011-04-20 | 2012-10-24 | 张默 | Implementation method of multifunctional intelligent electronic label management system based on cloud computation |
| CN103560890A (en) * | 2013-11-18 | 2014-02-05 | 黄燕平 | Networked transaction system and method based on mobile terminal |
| CN103927651A (en) * | 2014-04-23 | 2014-07-16 | 百度在线网络技术（北京）有限公司 | Trading method, system and server |
| CN105388820A (en) * | 2014-08-25 | 2016-03-09 | 深迪半导体(上海)有限公司 | Intelligent monitoring device and monitoring method thereof, and monitoring system |
| CN104240077A (en) * | 2014-09-03 | 2014-12-24 | 萧东 | Code encryption device based on short-distance wireless communication technology |
| CN107016274A (en) * | 2016-01-28 | 2017-08-04 | 昆明我行科技有限公司 | Wireless U shield with fingerprint identification function and use method thereof |
| CN206021334U (en) * | 2016-07-31 | 2017-03-15 | 李志楠 | Portable financial finger ring |
Also Published As
| Publication number | Publication date |
|---|---|
| CN107977891B (en) | 2021-09-17 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US9384481B2 (en) | Wearable device as a payment vehicle | |
| US20190066001A1 (en) | Universal Ticketing and Payment System | |
| CN103270524B (en) | Integration of verification tokens with mobile communication devices | |
| US20170061404A1 (en) | System and Method to Personalize Products and Services | |
| CN107924477A (en) | System, method and apparatus for dynamic transaction card | |
| CN105989522A (en) | Payment additional service information processing method and electronic device for supporting the same | |
| CN105143996A (en) | Facilitating transactions with a user account using a wireless device | |
| US20170161709A1 (en) | Method and system to organize and manage transactions | |
| CN105308522A (en) | Credit card form factor secure mobile computer and methods | |
| WO2020221181A1 (en) | Multifunctional luggage bag and blockchain-based management system therefor | |
| CN110023935A (en) | The information processing terminal, information processing equipment, information processing method, information processing system and program | |
| CN108886522A (en) | It is data safety by the associated system and method for diversified position data | |
| CN106462848A (en) | Device, system and method for efficiently servicing high volume electronic transactions | |
| WO2014202970A2 (en) | Money box | |
| US20230045879A1 (en) | Preference-driven advertising systems and methods | |
| US20170011381A1 (en) | Electronic transaction method and system via a portable accessory | |
| JP6104306B2 (en) | Program and game system | |
| CN112465682A (en) | Campus service platform for primary and secondary schools | |
| CN107148634A (en) | Integrate accumulation system, integration accumulation method and its NFC terminal devices | |
| CN109118257A (en) | Recommend the method for electronic card, recommend the device and electronic equipment of electronic card | |
| US20090228352A1 (en) | Transactions, payment and emergency medical system | |
| CN101093592A (en) | Off line value stored type gathering and paying method by hand held mobile device based on public network | |
| US11797976B2 (en) | Contactless payment and data systems | |
| CN107977891A (en) | A kind of tripartite's credit transaction method for including bank's identification and evaluation system | |
| CN103530770A (en) | One-key payment method for mobile phone |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20210917 |
|
| CF01 | Termination of patent right due to non-payment of annual fee |