CN107977891B

CN107977891B - Three-party credit transaction method comprising bank identification and evaluation system

Info

Publication number: CN107977891B
Application number: CN201711183232.5A
Authority: CN
Inventors: 陈辉敏
Original assignee: Individual
Current assignee: Individual
Priority date: 2017-11-23
Filing date: 2017-11-23
Publication date: 2021-09-17
Anticipated expiration: 2037-11-23
Also published as: CN107977891A

Abstract

The invention relates to a three-party credit transaction method comprising a bank identification and evaluation system, which comprises a three-party credit transaction platform TCT, wherein the three parties of the credit transaction are as follows: the buyer, the seller and the bank credit and debit party perform personal identification and credit evaluation by using special APP software of a bank mobile phone, a radio frequency credit ring CR or a radio frequency credit mobile phone shell CPS and an intelligent card reader SCR, and each transaction generates a new loan in the form of loan and debit by relying on modern wireless communication and the Internet, so that the maximization of social fund benefit is realized. The maximization of social capital benefit is realized, and the commodity transaction service trade is realized without cash, credit, electronization and datamation.

Description

Three-party credit transaction method comprising bank identification and evaluation system

Technical Field

The invention relates to a three-party credit transaction method of a mobile phone credit adding ring and bank identification and evaluation system. Is a three-party credit transaction platform promoted by government, dominated by bank or third-party payment system, actively participated in by operator and consumer, credit-based three-party credit transaction mode, English: english abbreviation of Three party credit transaction platform: TCT.

Background

It is well known that all folk trade in goods and services since ancient times is almost performed in a fair and voluntary environment between buying and selling parties. The buyer must have the desire and necessary funds to purchase the goods or services, and the seller must also have the contents of good and cheap goods or high-quality services, so as to form a complete and reasonable transaction relationship.

At present, the popularity of electronic commerce in China reaches a high level, third-party electronic payment systems represented by Paibao and WeChat payment are increasingly large in scale, and the participation of consumers and merchants is also increasingly high. However, the electronic payment platform is still a two-party transaction mode under a high-degree electronic payment platform, field transactions cannot be completed without a mobile phone, the mobile phone of the old without an intelligent function cannot participate in transactions, electronic transactions cannot be realized by children and disabled people, and the consumption value is still an old mode of traditional money earning and consumption after money earning. Without a reliable, convenient, fast and safe hardware means and an efficient system platform, the development of electronic transactions towards the deepening popularization is impossible. Therefore, the three-party credit transaction platform TCT is the necessary way for our development. To realize the cash-free, electronic, data and credit-free social commodity and service trade fundamentally, the credit-free, electronic, data and credit-free social commodity and service trade must be made from 'unary credit'. However, "one-yuan credit" is just a blank for the development of modern society, because it is closely related to the life of our common people and to the interests of three parties. The existing electronic commerce cannot be started from 'unitary credit', because the fair profit of three parties cannot be guaranteed, the existing electronic commerce highly depends on a mobile phone and two-dimensional code swiping transaction, and a bank only uses a third party instead of the third party in the whole transaction process. The future TCT transaction mode must be a novel transaction mode which is promoted by government, is dominated by banks and is commonly participated by buyers and sellers to jointly benefit.

The invention content is as follows:

the invention overcomes the defects of the existing electronic transaction platform and provides a three-party credit transaction method of a mobile phone credit adding ring and bank identification and evaluation system. The method advocates to establish a novel convenient, fast and safe consumption environment without cash, credit, electronization and datamation on the basis of fairness, volunteers and integrity. The technical advantages of a mobile phone APP platform, a radio frequency credit ring CR, a radio frequency credit mobile phone shell CPS, an intelligent card reader SCR and a mobile phone special reader-writer and U shield MPR-U are fully utilized to create a more scientific, more perfect and more active consumption world.

The invention proposes for the first time the TCT mode for three-party credit transactions. The basis of TCT is fairness, credit; the method is characterized in that a safety guarantee platform which takes a special APP software for a mobile phone, a radio frequency credit ring CR, a radio frequency credit mobile phone shell CPS, an intelligent card reader SCR and a special reader-writer MPR-U for the mobile phone as front ends and a bank personal identity recognition and credit evaluation system as a background is utilized; the modern wireless communication and internet technology are used as a TCT guarantee system, and as a result, a new loan is generated in each transaction in the form of loan, so that the maximization of social capital benefit is realized, and the non-cash, credit, electronization and datamation of commodity transaction service trade are realized.

And the special APP software system for the mobile phone in the TCT platform. The APP system can only serve the TCT working platform. It can be adapted to the mobile phone operating systems of apple iOS, Google Android, Symbian Saiban and Microsoft Windows phone. The APP interface must contain a face recognition system, a personal credit account management system, a use management system for a radio frequency credit ring CR, a radio frequency credit mobile phone shell CPS, an intelligent card reader SCR and a special mobile phone reader-writer and U shield MPR-U, an MPR-U shield fund transfer management system, a management system for inquiring complaints with a bank supervision department and a software protocol file of an internal system software supporting a hundred-degree map, a Google map, a GPS or a Beidou positioning system. The APP software is guided by a bank, and can be registered and used after secondary confirmation of a face recognition system after being downloaded by a signing user in a bank network, registered by real name and confirmed by short messages. The APP software design can be realized by applying the prior art.

The credit ring (ring) CR is manufactured by adopting the most mature and widely applied electronic radio frequency readable and writable chip, has the same functions and effects as IC cards such as bank cards, bus cards, parking cards, social security cards, identity cards and the like, and has the functions of uniqueness, confidentiality, non-contact and repeated reading and writing. CR is that radio frequency chip and coupling antenna integration are inlayed in the ring, and from the appearance look and ordinary ring do not have the difference. The CR can be made into different styles and sizes according to the sizes and hobbies of fingers of different crowds, can be made of high polymer materials and PVC plastics, can also be made of nonferrous metals or noble metals, can be inlaid with jewel diamonds on the CR, and can also be made into artware. The CR is very convenient for consumers to carry, can be conveniently consumed by dropping the card only by wearing on fingers, does not need to be provided with batteries, is not afraid of water washing and stains, and can be carried and used all the day. Each mobile phone subscriber of the TCT may configure several CRs, and the authentication contrast image in each CR, and the confirmation of the consumption location and the amount of consumption are determined by the mobile phone subscriber in the APP software of the mobile phone, and cannot be modified by the user of the CR.

The CPS is manufactured by integrating a radio frequency chip and a coupling antenna into a mobile phone shell and is distributed to TCT subscribers by banks, the CPS suitable for various mobile phones including old people and children is produced according to the development direction of the mobile phone market, and the CPS can be made of high polymer materials and PVC plastics and can also be made of materials such as metal, leather, rubber and the like.

The SCR is an intelligent radio frequency card reader distributed to a signing operator by a bank, the SCR has an IP address and a bank management code, the SCR uses a power adapter to supply power, and the SCR can also adopt a lithium battery to supply power. It can be divided into entrance guard fixed type, table top movable type and hand-held movable type. The front of the SCR has a "droplet" card sensing area that reads the information near its CR and CPS by transmitting microwave signals. The SCR of the invention can read the information of the CR and the CPS, and is also provided with a GPS or Beidou positioning system and a camera, a liquid crystal display, a sound effect and a lamp flashing system are designed on the inner side and the outer side of the table-board movable SCR, and a numeric keyboard is arranged on the inner side. When CR or CPS swipes the list on SCR, SCR will automatically connect the bank server through network, transmit the identity and consumption information of the consumer. If the small amount of the brush list CPS can pass through on the spot. If the consumption is the medium-limit or large-amount consumption, the CPS can carry out hand shape verification or face verification and mobile phone verification code verification according to the requirements of the bank. The CPS is provided with a GPS or Beidou positioning system which can transmit real-time geographic coordinate information and time information of each transaction to the bank server, and consumption records can be automatically cleared after each transaction of the SCR.

The special reader-writer and U shield MPR-U for the mobile phone is specially customized for the signed user by the bank, and the mobile phone can transmit information and instructions to the CR and the CPS through the MPR-U. The method is characterized in that a data port of the mobile phone is connected through a flexible wire, only a CR needs to be placed on an MPR-U or the MPR-U needs to be attached to a CPS of the mobile phone, information of the CR and the CPS can be automatically uploaded to an APP of the mobile phone through the MPR-U, and the APP of the mobile phone can also transmit an instruction to the CR and the CPS through the MPR-U. The MPR-U is also a U shield in a fund transfer system of a mobile phone APP, and a small liquid crystal display and a key are arranged on the back of the MPR-U. The U-shaped shield is inserted into a mobile phone data port during transfer operation, and the transfer operation can be completed only when the liquid crystal display is lightened and the U-shaped shield button is pressed.

When the consumption bill exceeds the middle limit set by a bank or a contractor, the SCR can require the buyer to carry out verification twice, the buyer only needs to align one or two hands with a camera of the SCR to make a finger shape recorded in the CR or CPS, such as stones, scissors and cloth, or the image comparison of any LOGO on the body or worn objects can be carried out, and the transaction can be successful as long as the comparison is consistent. If each single consumer requires face brushing or password entry, the consumer feels bored and uninteresting. The finger shape can be changed into various shapes and changeable and can be different from Monday to Sunday every day, and different hand-shaped passwords can be used for verifying consumption in the dish market and supermarket by using geographic coordinates.

The invention provides a brand-new TCT mode: the security platform uses a mobile phone, a credit ring, an intelligent card reader as a front end and a bank personal identification and credit evaluation system as a background. The platform is carried out under the conditions of fairness, willingness and awareness of three parties, each transaction is a credit transaction contract of the three parties, and the contract is instantly completed by utilizing modern wireless communication technical means under the joint participation and supervision of the three parties. The three parties to a credit transaction are: buyer, seller and bank credit. The basis of TCT is fairness, credit; the consumption and transaction can be realized without mobile phone, cash and credit card, and the folk fund borrowing and borrowing can be carried out. The core of the TCT mode is to gradually realize electronization and credit of social commodity service consumption by utilizing modern electronic technology, and realize change of consumption value view, namely change from consumption after earning money to consumption after consumption. Gradually realizing that the monthly income of a family can be used for financing and investment in addition to tax payment and prophase loan payment; the daily expenditure of a household includes: breakfast, buying vegetables, public transportation, subway, hospital, supermarket, online shopping, travel, telephone charge, refueling, changing money for children and the old can all be solved by bank credit. The person can be given to the bank to do the rest as long as he has credit. The method can realize 'no text' walking in the sky as long as the person has credit.

The TCT of the invention can record each moment and each behavior of the social commodity transaction, and uses the big data system to analyze and manage, thereby gradually and fundamentally realizing the cashless, electronization, datamation and credit of the social commodity and service trade. The TCT scientific management mode can be comprehensively realized from the beginning of 'unitary loan', starting from buses, subways and taxis, and gradually spreading to airplanes, high-speed rails, trains, long-distance buses, supermarkets, brand clothing cities, electrical appliance markets, building material markets, online shopping, tourism and insurance markets from the beginning of public transportation, subways and taxis and from the beginning of vegetable markets, restaurant stores, clothing stores, hairdressing stores, car washing stores, gas stations, small drugstores and small supermarkets. The consumption groups and the operation scale can be gradually enlarged, and the urban and rural areas are developed, the coastal and inland areas are developed, and the domestic and overseas areas are developed. The common tablet is accepted by consumers, the use is convenient, safe and cost-effective, and the use by the old and children is easy; the operator generally approves and is willing to participate actively, and the whole wholesale and supply chain of the commodity is in the system, so that the problems of commodity source supply and commodity quality tracing are not needed to be worried about, and the troubles of counterfeit money and inferior commodities can be avoided; the bank credit side has profitability, the fund efficiency can be greatly improved, a large amount of information of the buying and selling sides can be analyzed and mastered through a big data system, and an accurate development target is made. TCT is different from house loan and car loan, the first stage includes retail industry, general consumer wholesale industry, and service industry, and consumers generally adopt short-term or staged repayment, and the loan interest rate should be lower than the market interest rate to make consumers feel economical. The bank primarily profits from pumping water from the seller. The seller must make a profit as soon as he enters the system, otherwise he will be unable to go under the pressure of the competitor. The tax department can also use the system to grasp the tax completion situation of the buyer and seller, and can develop a tax invoice management system adapting to TCT development on the basis of the platform; the government statistical department can accurately know the market real conditions of the market supply and demand parties through the system, and the system provides service for the decision-making of the national macro development strategy.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without inventive exercise.

Fig. 1 is a schematic view of a credit ring (ring) CR of the present invention.

Fig. 2 is a schematic diagram of the credit mobile phone case CPS of the present invention.

Fig. 3 is a schematic diagram of an access stationary smart card reader SCR of the present invention.

Fig. 4 is a schematic diagram of a smart card reader SCR of the present invention.

Fig. 5 is a schematic diagram of a hand held mobile smart card reader SCR of the present invention.

Fig. 6 is a schematic diagram of a connection of the mobile phone of the dedicated reader-writer MPR-U of the present invention.

FIG. 7 is a schematic diagram of the MPR-U band shield of the dedicated reader/writer according to the present invention.

FIG. 8 is a schematic diagram of a hand-shaped variable password of the present invention.

FIG. 9 is a schematic diagram of a hand-shaped variable password of the present invention.

In the figure: 1-fixed SCR of entrance guard's card induction zone, 2-mesa portable SCR positive LCD, 3-mesa portable SCR flash light, 4-mesa portable SCR camera, 5-mesa portable SCR electronic sound production ware, 6-mesa portable SCR card induction zone, 7-mesa portable SCR inboard LCD, 8-mesa portable SCR input keyboard, 9-handheld portable SCR electronic sound production ware, 10-handheld portable SCR camera, 11-handheld portable SCR flash light, 12-handheld portable SCR LCD, 13-handheld portable SCR card induction zone, 14-handheld portable SCR input keyboard, 15-special reader MPR-U card induction zone, 16-special reader MPR-U data line, 17-special reader MPR-U area U shield liquid crystal display, 18-special reader MPR-U area U shield button.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without any inventive step, are within the scope of the present invention.

The three-party credit transaction platform TCT is a security guarantee platform which uses APP software special for a mobile phone, a radio frequency credit ring CR, a radio frequency credit mobile phone shell CPS, an intelligent card reader SCR and a reader-writer MPR-U special for the mobile phone as front ends and a bank personal identity recognition and credit evaluation system as a background; based on modern wireless communication and internet technology, each transaction can generate a new loan in the form of loan, so that the maximization of social capital benefit is realized, and the commodity transaction service trade is realized in the forms of cashless, credit, electronization and datamation.

And the special APP software system for the mobile phone in the TCT platform. The APP system serves a TCT working platform. It can be adapted to the mobile phone operating systems of apple iOS, Google Android, Symbian Saiban and Microsoft Windows phone. The APP interface must contain a face recognition system, a personal credit account management system, a use management system for a radio frequency credit ring CR, a radio frequency credit mobile phone shell CPS, an intelligent card reader SCR, a mobile phone special reader-writer and U shield MPR-U, a fund transfer management system containing an MPR-U shield, a management system for inquiring complaints with a bank supervision department, and software supporting a hundred-degree map, a Google map, a GPS or a Beidou positioning system, wherein the APP software is guided by a bank, and can be registered and used after secondary confirmation through the face recognition system after being downloaded by a signing user in a bank network and subjected to real name registration and short message confirmation. The face recognition system related in the APP software comprises a personal credit account management system, various management systems and the software of a positioning system, which can be designed and completed by applying the prior art.

The credit ring (ring) of the invention has English: english abbreviation of Credit ring: the CR is the most common shape of the CR as shown in figure 1, is manufactured by adopting the most mature technology in the world and the most widely applied electronic radio frequency readable and writable chip, is consistent with the functions and the functions of IC cards such as bank cards, bus cards, parking cards, social security cards, identity cards and the like, and has the functions of uniqueness, confidentiality, non-contact and repeated reading and writing. The CR integrates a radio frequency chip and a coupling antenna into a finger ring, does not appear to be different from a common finger ring in appearance, and is specially customized and developed by banks. The CR can be made into different styles and sizes according to the sizes and hobbies of fingers of different crowds, can be made of high polymer materials and PVC plastics, can also be made of nonferrous metals or noble metals, can be inlaid with jewel diamonds on the CR, and can also be made into artware. The CR is very convenient for consumers to carry, can be conveniently consumed by dropping the card only by wearing on fingers, does not need to be provided with batteries, is not afraid of water washing and stains, and can be carried and used all the day. The CR and the mobile phone are a pair of natural partners, the function of the CR is the extension of the mobile phone, and a consumer can use the CR to 'drip' the sensing area of the intelligent card reader to complete a transaction under the condition that the mobile phone is not carried or is inconvenient to take out, so that the transaction mode is very convenient, rapid and safe. Each TCT subscriber may have several CRs, such as one CR for each subscriber, with each CR being assigned to children, elderly people, and nurses at home. The identity verification contrast image in each CR, and the confirmation of the consumption place and the consumption amount are determined by the mobile phone subscriber in the mobile phone APP software, and the user of the CR cannot modify the identity verification contrast image and the consumption place. Each time the card is dropped for consumption by the CR, the signed mobile phone receives a short message for consumption, and the following notes are noted above: what CR under the owner of the computer consumes and what amount is at what place. CR can also be used as the 'drip' card of the entrance guard and attendance machine of the family, the district, the unit door and the work unit.

The credit mobile phone shell of the invention has English: credit phone shell English abbreviation: CPS, as shown in FIG. 2, is a common model for CPS. CPS and CR are also manufactured by integrating electronic radio frequency technology, and CPS integrates radio frequency chip and coupling antenna into mobile phone shell. CPS is manufactured by bank development supervision and is distributed by banks to TCT contractors for use. The bank can produce CPS suitable for various mobile phones including the mobile phones of the old and children according to the development direction of the mobile phone market. CPS can be made of high molecular material and PVC plastic, and also can be made of metal, leather, rubber and other materials.

The English of the entrance guard fixed type intelligent card reader of the invention is as follows: smart card reader english abbreviation: SCR. As shown in fig. 3, the SCR is an entrance SCR, which can be installed on the inner side of an upper door and the inner side of a lower door of a bus, or on an entrance gate and an exit gate of a subway, or on the rear side of a driver seat of a taxi. The SCR may be either an add-on design or an embedded design. The SCR is an intelligent radio frequency card reader distributed to a signing operator by a bank, and the SCR has an IP address and a bank management code. The SCR must be used in a safe network environment, and the SCR is powered by a power adapter or a lithium battery. The front of the SCR has a "drop" card sensing zone 1 which reads the information near its CR and CPS by transmitting microwave signals. The SCR also includes a GPS or Beidou positioning and electronic sound production system. When CR or CPS 'drips' the card on SCR, SCR will send out an acoustic electronic sound response and automatically connect the bank server through the network, transmit the identity and consumption information of the consumer, it will transmit the geographical coordinate information and time information of each 'drip' card to the bank server at the same time. The SCR will automatically clear the consumption record after each transaction.

As shown in fig. 4, is a smart card reader SCR of the desktop mobile type of the present invention. The SCR is an intelligent radio frequency card reader distributed to a signing operator by a bank, and the SCR has an IP address and a bank management code. The SCR must be used in a safe network environment, and the SCR is powered by a power adapter or a lithium battery. The front of the mesa mobile SCR has a "drop" card sensing region 6 that reads the information near its CR and CPS by transmitting microwave signals. The SCR of the invention can read the information of the CR and the CPS and is also specially provided with a camera 4 which is used for further confirming the identity of the consumer and recording the hand-shaped password and the face information of the consumer on site.

Liquid crystal displays

2 and 7, an electronic sound generator 5 and a flash lamp 3 are arranged on the inner side and the outer side of the table-board movable SCR, and an input keyboard 8 is arranged on the inner side and the outer side. The display contents of the

liquid crystal displays

2 and 7 on the inner side and the outer side are consistent, the electronic sound generator 5 responds to a consumer when the CR or CPS is used for refreshing a bill, and the flash lamp 3 can supplement light for camera shooting when the light is dark at night. When CR or CPS swipes the list on SCR, SCR will automatically connect the bank server through network, transmit the identity and consumption information of the consumer. The CPS is provided with a GPS or Beidou positioning system, and can automatically transmit the real-time geographic coordinates and time information of each transaction to the bank server. The SCR will automatically clear the consumption record after each transaction.

As shown in fig. 5, is a hand held mobile smart card reader SCR of the present invention. The SCR is an intelligent radio frequency card reader distributed to a signing operator by a bank, and the SCR has an IP address and a bank management code. The SCR must be used in a safe network environment, and the SCR is powered by a power adapter or a lithium battery. The upper middle portion of the hand held mobile SCR has a "drop" card sensing zone 13 which reads the information near its CR and CPS by transmitting microwave signals. The hand-held mobile SCR can read information of the CR and the CPS and is also specially provided with a camera 10, and in order to further confirm the identity of the consumer, a hand-shaped password and face information of the consumer are recorded on site. The upper front part of the table top movable SCR is also provided with a liquid crystal display 12, an electronic sound generator 9 and a flash lamp 11, and the upper rear side is also provided with an input keyboard 14. The electronic sound generator 9 responds to a consumer when the CR or CPS is used for brushing the list, and the flash lamp 11 can supplement light for the camera to take a picture when the light is dark at night. The hand held mobile SCR also has a level sensor, when the SCR is at level or toward the operator, the LCD number on the SCR will only be displayed toward the operator, if the SCR is inclined toward the consumer, the number on the LCD will be turned to the consumer. When CR or CPS swipes the list on SCR, SCR will automatically connect the bank server through network, transmit the identity and consumption information of the consumer. The CPS is provided with a GPS or Beidou positioning system, and can automatically transmit the real-time geographic coordinates and time information of each transaction to the bank server. The SCR will automatically clear the consumption record after each transaction.

The invention relates to a special reader-writer MPR (English of the special reader-writer: Mobile phone reader English abbreviation: MPR). Since MPR has the function of the U shield, the MPR is adjusted to be MPR-U. As shown in fig. 6, the reader is a handset-dedicated reader customized for the contracted user by the MPR-U bank. The MPR-U is provided with a 'dripping' card sensor 15 and a data line 16 on the front side for connecting with a data port of the mobile phone, the mobile phone can transmit information and instructions to the CR and the CPS through the MPR-U, an operator only needs to place the CR on the MPR-U or paste the MPR-U on the CPS of the mobile phone, the information of the CR and the CPS can be automatically uploaded to the APP of the mobile phone through the MPR-U, and the APP of the mobile phone can also transmit the instructions to the CR and the CPS through the MPR-U. The MPR-U itself does not have a battery because it is powered by the handset.

As shown in fig. 7, the dedicated reader/writer MPR-U band U shield of the present invention is shown. The MPR-U is a special reader-writer and U shield of the mobile phone which is specially customized for the signing user by the bank. The rear surface of the MPR-U with U shield is provided with a small liquid crystal display 17 and a function key 18 which are connected with a data port of the mobile phone through a data line 16. The MPR-U is provided with a U shield which is also the U shield in a mobile phone APP fund transfer system, when a mobile phone subscriber needs to perform fund transfer operation by using an APP, only the data line 16 is required to be inserted into a mobile phone data port, after the verification code and the payment password are output according to the APP operation steps, the liquid crystal display 17 can be lightened, and when the transfer content in the display is compared, the transfer operation can be finished as long as the subscriber presses the U shield key 18. The transfer operation can also be carried out on the ATM of the bank by using the CR or CPS, and the ATM of the bank is provided with the SCR functional area. After the customer drops the card, the ATM displays the requirement of inputting the password or face recognition, and if the password is input or the face recognition is correct, the rest operations can be continued on the ATM.

Fig. 8 and 9 are schematic diagrams of the hand-shape changing password of the present invention. The invention relates to a simple password setting method (such as stone, scissors and cloth) by using the principle of imaging contrast of diversified hand shapes. Although the key index of the hand-shaped password is low, the hand-shaped password is enough to keep the general low-limit consumption secret, and the consumers feel bored and uninteresting if the common small-amount consumption also uses a digital password or an authentication code. And the adoption of the hand-shaped password can make people feel new. And the endless setting of hand shape code change is simple and convenient, and old man and children all remember easily.

The invention also comprises the technology of embedding and manufacturing the similar CR function in bracelets, watches (watchbands), bracelets and sleeves and buttons.

The special APP for the mobile phone in the TCT system is designed by a bank, is downloaded by a signed user, and can be used after secondary confirmation of the face recognition system after real-name registration and short message confirmation. Each signed consumer and signed operator has a special bank account in the TCT APP bank system, and there are three to N secondary or tertiary accounts under the account. Wherein: one credit payment settlement account, one turnover of funds account, and one investment, financing account. The conditions of the total assets and the total liabilities of the householder can be inquired from the account, the conditions of investment and financing of the householder can be inquired, the conditions of all consumption streams of the current day, the current week, the current month, the current quarter and the current year can be inquired, and the conditions of bank points and personal credit grades of the householder can be inquired.

The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.

Claims

1. A three-party credit transaction method including a bank identification and evaluation system, characterized in that: the credit transaction platform comprises a three-party credit transaction platform TCT, wherein the three parties of the credit transaction are as follows: the buyer, the seller and the bank credit and debit party perform personal identification and credit evaluation by using special APP software of a bank mobile phone, a radio frequency credit ring CR or a radio frequency credit mobile phone shell CPS and an intelligent card reader SCR, and each transaction generates a new loan in the form of loan and debit by relying on modern wireless communication and the Internet, so that the maximization of social fund benefit is realized;

the credit ring CR is manufactured by adopting an electronic radio frequency readable and writable chip, the CR integrates and inlays a radio frequency chip and a coupling antenna in the ring, and the CR is supervised and manufactured by a bank;

the credit mobile phone shell CPS is manufactured by adopting an electronic radio frequency technology, a radio frequency chip and a coupling antenna are integrated into a mobile phone shell, and the CPS is manufactured by bank supervision;

the intelligent card reader SCR is distributed to an intelligent radio frequency card reader of a signing operator by a bank, the SCR has an IP address and a bank management code, the front surface of the SCR is provided with a 'drop' card sensing area, information of CR and CPS close to the SCR is read out by transmitting microwave signals, and the SCR also comprises a GPS or Beidou positioning and electronic sound production system;

the credit ring or a credit mobile phone shell and an intelligent card reader are used as the front end, a bank personal identity recognition and credit evaluation system is used as the background, the platform transaction is carried out under the conditions of fairness, willingness and awareness of three parties, each transaction is a three-party credit transaction contract which is instantly completed under the joint participation and supervision of the three parties;

the intelligent card reader SCR comprises a table-board movable SCR, which is an intelligent radio frequency card reader distributed to a signing operator by a bank, the SCR has an IP address and a bank management code, the table-board movable SCR uses a power adapter for power supply or lithium battery for power supply, a 'drop' card induction area is arranged on the front surface and is provided with a camera, a liquid crystal display, an electronic sound generator and a flash lamp are arranged on the inner side and the outer side of the table-board movable SCR, and an input keyboard is also arranged on the inner side;

the intelligent card reader SCR comprises a handheld mobile SCR, the intelligent card reader is an intelligent radio frequency card reader distributed to a signing operator by a bank, the SCR has an IP address and a bank management code of the SCR, the SCR is powered by a power adapter or a lithium battery, a 'drop' card induction area is arranged in the middle of the upper part of the handheld mobile SCR and is provided with a camera, a liquid crystal display, an electronic sound maker and a flash lamp are arranged above the front part of the SCR, an input keyboard is further arranged above the rear side of the SCR, a level sensor is further arranged on the handheld mobile SCR, when the SCR is horizontal or faces one side of an operator, the number of the liquid crystal display on the SCR can be displayed towards the other side of the operator, and if the SCR inclines towards one side of the consumer, the number on the liquid crystal display can be turned to the one side of the consumer.

2. The three-party credit transaction method including a bank identification and evaluation system of claim 1, wherein: the intelligent card reader SCR comprises an entrance guard fixed SCR, and is arranged on the inner side of an upper bus door and the inner side of a lower bus door of a bus, or at an entrance gate and an exit gate of a subway, or on the rear side of a driver seat of a taxi.

3. The three-party credit transaction method including a bank identification and evaluation system of claim 1, wherein: the other form of the intelligent card reader SCR is a special reader-writer MPR-U with the function of a U shield, the MPR-U is a special reader-writer for a mobile phone of a special signing user of a bank, a 'dripping' card sensor and a data line are arranged on the front surface of the MPR-U and connected with a data port of the mobile phone, the mobile phone transmits information and instructions to the CR and the CPS through the MPR-U, the information of the CR and the CPS is automatically uploaded to the APP of the mobile phone through the MPR-U, and the APP of the mobile phone can also transmit the instructions to the CR and the CPS through the MPR-U.

4. The three-party credit transaction method including a bank identification and evaluation system of claim 1, wherein: the other form of the intelligent card reader SCR is a special reader-writer MPR-U with U shield, the MPR-U with U shield is a special reader-writer and U shield of a mobile phone of a contracted user specially used by a bank, a small liquid crystal display and a function key are arranged on the back of the intelligent card reader SCR, and the intelligent card reader SCR is connected with a data port of the mobile phone through a data line.