CN108062663A - A kind of financing service and method - Google Patents
A kind of financing service and method Download PDFInfo
- Publication number
- CN108062663A CN108062663A CN201710220058.0A CN201710220058A CN108062663A CN 108062663 A CN108062663 A CN 108062663A CN 201710220058 A CN201710220058 A CN 201710220058A CN 108062663 A CN108062663 A CN 108062663A
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- CN
- China
- Prior art keywords
- business
- service
- financial institution
- silver
- bill
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- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
-
- 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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention discloses a kind of financing service and method, financial institution is a kind of financing service that client provides, and is that financial institution provides third party's management service for the performance bond fund of transaction and contract in socio-economic activity, referred to as " silver about business ".Business and method are that financial institution carries out this business, and client submits business application in financial institution's sales counter or financial institution's internet service platform business and submission performance bond fund, financial institution accept, business the opposing party confirms, financial institution's management service and business finish.The financing service of the present invention can facilitate various demand clients to establish the performance bond capital items of content and the corresponding management service extensively such as commodity transaction or economic activity contract；It realizes that the sincerity of socio-economic activity is honoured an agreement, safeguards the healthy and orderly operation of socio-economic activity.
Description
Technical field
The present invention relates to financial services, and in particular to is a kind of financing service and method
Background technology
With the development of socio-economic activity and active, commodity transaction and various economic activities in socio-economic activity
The conclusion of agreement, contract, contract etc. finishes, it is desirable that economic activity both sides' sincerity is fulfiled.In social reality is fulfiled, promise breaking row
To happen occasionally, both sides generate rights and interests dispute, damage of the rights and interests side take a significant amount of time with energy safeguard rights and interests, to the end, due to
Lack hedge-type assets, rights and interests are difficult to be protected.Therefore, at the beginning of economic activity, phase is needed on the basis of the sincerity of both sides' theory
The performance bond measure answered, specification both sides' sincerity are honoured an agreement, and safeguard the rights and interests of both sides.Bank, guarantee corporation, are generated as a result,
Tripartite pays the relevant financial service business for ensureing mechanism.
In reality, the existing relevant financial service business of bank, the spare credit of Collection and Payment On Behalf business, bank such as bank
Card, all kinds of letter of guarantee business of bank, the transaction class intermediary service of bank, waiting the existing relevant financial service business of banks cannot expire
Participate in object is various, type of service is various performance bond, guarantee in sufficient society economic activity need.
In reality, the existing relevant financial service business of guarantee corporation such as assures object, guarantee condition, assures item, does
Program is managed, can not meet and support the guarantor that honours an agreement that the participation object in society economic activity is extensive, type of service is various
Card ensures needs.
In reality, Third-party payment ensures the existing relevant financial service business of mechanism, has certain performance bond, protects
Hindering function, (such as Third-party payment guarantee of the keeping of Alipay, prestige visitor platform third party fund, other platforms, need to be in specific transactions
Payment is realized under terms of trade or is ensured), due to the use of object, usage scenario, the limitation of use condition, it is impossible to meet existing
Participant in real socio-economic activity extensively, the various performance bond of economic activity type, ensure and need.
The content of the invention
Supplement bank, guarantee corporation, third party's branch are improved in development and needs the present invention is based on society economic activity
The deficiency for the existing relevant financial service business for ensureing mechanism is paid, a kind of financing service and method are provided, is met extensively existing
The transaction of various participants and various businesses type in real socio-economic activity and contract compliance ensure, ensure needs..
A kind of financing service of the present invention, is that financial institution provides service for interest and right protection in customer economy activity,
Third party is provided for management service, referred to as " silver about business " for the performance bond fund of transaction and contract in socio-economic activity.
A kind of financing service of the present invention is that financial institution establishes special fund management bank account, and special project ensures
Under the precondition of managed fund safety, carry out this performance bond fund third party's management service business.
A kind of method of financing service of the present invention is client in financial institution's sales counter or financial institution internet
Business platform submits business application and performance bond fund, financial institution is submitted to accept, business the opposing party confirms, financial institution's pipe
The operating method flow that reason service, business finish.
Description of the drawings
The flow diagram that Fig. 1 is the foundation of financing service of the present invention, manages, finishes；
Fig. 2 is the flow diagram of the proposition that the management service item of financing service of the present invention changes and management；
Fig. 3 is the solution of management service item dispute of financing service of the present invention and the flow diagram of management；
Specific embodiment
The present invention provides a kind of financing service and method, to make the business tine of the present invention and operational approach more clear
Chu, clearly, illustrate financing service and method referring to the drawings.
As shown in Figure 1, foundation from financing service, in the flow diagram for managing, finishing it can be seen that：Client exists
Financial institution's application " silver about business " and submission performance bond fund, financial institution accept " the silver about business " of client, and business is another
One side confirmation " silver about business ", financial institution's management service and finish " silver about business ".Specific method：
(1) client fills in " newly-built silver about bill ", agreement in financial institution's business platform, selection " silver about business " work order
Capital management services item.The agreement capital management service content of " newly-built silver about bill " includes：Service item two-sided information (name
The information such as title, account, telephone number)；Service transaction management principal amount；Service transaction management time limit；Service item pipe
Manage type (types such as commodity disburse funds, service disburses funds, contract performance bond) of honouring an agreement.
(2) service transaction management is honoured an agreement type (commodity disburse funds, service disburses funds, contract performance bond), tool
The detailed buying and selling of commodities of body, service item, agreement terms foundation, when business is established, client can be provided with attachment simultaneously, as
Put on record；Can also be after dispute generation, solution provides again when needing, as settling entanglements foundation.
(3) " newly-built silver about bill " silver about business work order that client will fill in is submitted to financial institution；Meanwhile submit service
The performance bond fund of item.
(4) " newly-built silver about bill " and the performance bond fund that financial institution submits according to client, generation " silver about business ",
Establish " the silver about bill " of this " silver about business " management service business item；Meanwhile financial institution notice (phone, short message etc.
Advice method) business the opposing party, informs " the silver about bill " content of this " silver about business " project and this " silver about bill " issuer
Formula and inquiry password (information such as mechanism, Invoice Number, the password for inquiry of " silver about bill ") and notice, reminding business the opposing party
Time limit is fed back, and confirms " silver about business " item.
(5) business the opposing party financial institution notify after, time limit feedback-less confirm, financial institution by this situation notify visitor
Family, it is desirable that trade connection business the opposing party's feedback acknowledgment.What if business the opposing party or time limit feedback-less had confirmed, financial institution
The fund that this " silver about business " keeps accounts is returned into customer account, while notifies client that this " silver about business " bill is abrogated.
(6) business the opposing party notifies according to financial institution, is put down in financial institution's business after financial institution's notice is connected to
Platform, selection " silver about business " in " built silver about bill " column, enter phase according to the Invoice Number of " silver about bill ", password for inquiry
" silver about bill " is answered, (selection is operated in the business feedback window of bill：Agree to bill, disagree bill).
(7) business the opposing party, which feeds back, agrees to bill, financial institution according to " silver about bill " content management service, simultaneously
Notify that bill comes into force both sides.
(8) business the opposing party feedback disagrees bill, and financial institution returns to the fund that this " silver about business " keeps accounts
Customer account, while notify client that this " silver about business " bill is abrogated.
(9) financial institution to service transaction management time limit, will service according to the content management service of " silver about bill "
Transaction management payment funding to agreement account；Meanwhile notify client and business the opposing party, it finishes this " silver about business ".
As shown in Fig. 2, from the proposition and the flow diagram of management that the management service item of financing service changes
It can be seen that：In the management service of " silver about business " project, business both sides can specifically become according to economic activity for financial institution
Change, reasonable modification application is proposed to " silver about business "；The situation that financial institution feeds back according to business the opposing party carries out corresponding management
Service.Specific method：
(1) in service transaction management service, business both sides specifically change according to economic activity, have conjunction to " silver about business "
Reason become with greater need for, business either side can propose modification application to corresponding " silver about business ".
(2) modification application side is in financial institution's business platform, selection " silver about business ", in " built silver about bill " column,
According to the Invoice Number of " silver about bill ", password for inquiry into corresponding " silver about bill ", selection silver about business change bill work order is filled out
Write the application changed content (cancelling the changed contents such as bill, the change amount of money, change time limit) of " silver about change bill ", and to finance
Mechanism is submitted.
(3) " silver about changes bill " work order that financial institution submits according to client, it is " silver-colored about to change account after generation change
It is single ", establish this " silver about changes bill " management service business item；Meanwhile financial institution's notice (notices such as phone, short message
Mode) business the opposing party, informs this " silver about changes bill " item and this " silver about changes bill " inquiry mode and inquiry password
(mechanism of " silver about changes bill ", Invoice Number, password for inquiry) and notice, reminding business the opposing party time limit feedback, confirm
" silver about changes bill " item.
(4) business the opposing party is after financial institution notifies, time limit feedback-less, and financial institution will perform originally " silver-colored about account
It is single ", while notify modification application side.
(5) business the opposing party, in financial institution's business platform, selects " silver about business " after financial institution's notice is connected to,
In " built silver about bill " column, entered according to the Invoice Number of " silver about changes bill ", password for inquiry corresponding " silver-colored about to change account
It is single ", operated (selection in the business feedback window of bill：Agree to change, disagree change).
(6) business the opposing party, which feeds back, agrees to change, and financial institution performs " silver about changes bill " content, while cancels original
First " silver about bill ", and notify both sides.
(7) business the opposing party feedback disagrees change, and financial institution will perform original " silver about bill ", while notify double
Side.
As shown in figure 3, from the solution of management service item dispute and the flow diagram of management of financing service
It can be seen that：Financial institution in the management service of " silver about business " project, business both sides according to the specific variation of economic activity,
It honours an agreement dispute, Right protection measure, application " silver-colored about business is freezed " can be taken；Either one application financial institution of business
Law works service is provided to be solved；" the specific buying and selling of commodities in detail, the clothes that the law works service of financial institution is provided according to business both sides
Business item, agreement terms foundation ", with reference to relevant laws and regulations, makes " the law works suggestion decision " of settling entanglements；If " law works
It is recommended that determining " still it cannot resolve a dispute, business both sides carry out judicial settlement dispute, and financial institution submits according to business both sides
" administration of justice determines " carries out corresponding management service.Specific method：
(1) in service transaction management service, business both sides specifically change according to economic activity, dispute of honouring an agreement,
Right protection measure, application " silver-colored about business is freezed " can be taken；And apply for that financial institution provides law works service and solved；
(2) dispute objection side is in financial institution's business platform, selection " silver about business ", in " built silver about bill " column,
According to the Invoice Number of " built silver about bill ", password for inquiry into corresponding " silver about bill ", silver-colored about business is selected to freeze, is filled in
" silver-colored about bill is freezed to apply ", and submitted to financial institution.
(3) financial institution's promptly accepting " silver-colored about bill is freezed to apply ", and the business both sides of notice enter settling entanglements work.
(4) business either one in financial institution's business platform, selection " silver about business ", in " built silver about bill " column,
According to the Invoice Number of " silver about bill ", password for inquiry into corresponding " silver about bill ", selection silver about business settling entanglements work order is filled out
" law works service request " work order is write, and is submitted to financial institution；Meanwhile " the specific buying and selling of commodities in detail, the clothes that business is submitted to establish
Business item, agreement terms foundation ".
(5) " the specific buying and selling of commodities in detail, service item, the conjunction that the law works service of financial institution is provided according to business both sides
About clause foundation " compares the responsibilities and obligations of both sides' specific performance, with reference to relevant laws and regulations, makes " the law works of settling entanglements
It is recommended that determining ".
(6) by mutual consent " law works suggestion decision ", financial institution performs management service and complete according to " law works suggestion decision "
It ties this " silver about business "；
(7) both sides do not agree unanimously " law works suggestion decision ", and both sides select judicial settlement；Financial institution carries according to both sides
" administration of justice determines " handed over performs management service and finishes this " silver about business ".
This financing service can be applicable in a variety of participants and polytype transaction and contract in socio-economic activity
Performance bond, ensure socio-economic activity participant rights and interests, be socio-economic activity participant the non-rain silk fabric of Right protection
Miao.
This financing service can be widely used as banking, guarantee corporation's business, Third-party payment business,
Tripartite ensures that the business innovation of business is carried out, and honours an agreement and escorts for the sincerity of socio-economic activity, safeguards socio-economic activity
Healthy and orderly operation.
The content and implementation method of business of the present invention, those skilled in the art has been shown and described in description above
In the case where not departing from the principle of the present invention and objective, to a variety of change, modification, replacement and modification for carrying out of the present invention,
Appoint and belong in the range of technical solution of the present invention.
Claims (3)
1. a kind of financing service and method, it is characterised in that it is client in society that the financing service, which is financial institution,
Third party's management services that the performance bond fund of various types of transaction or contract provides in meeting economic activity.
2. a kind of financing service and method, it is characterised in that the financial institution of the financing service, according to client's
Management service agreement content carries out the special management service of performance bond fund, and the law for providing dispute reconciles the service of solution.
3. a kind of financing service and method, it is characterised in that the financing service is being taken charge of for the dispute of business both sides
Method can realize interest and right protection after solving.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710220058.0A CN108062663A (en) | 2017-04-06 | 2017-04-06 | A kind of financing service and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710220058.0A CN108062663A (en) | 2017-04-06 | 2017-04-06 | A kind of financing service and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108062663A true CN108062663A (en) | 2018-05-22 |
Family
ID=62138046
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710220058.0A Withdrawn CN108062663A (en) | 2017-04-06 | 2017-04-06 | A kind of financing service and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108062663A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110349001A (en) * | 2019-06-29 | 2019-10-18 | 上海淇毓信息科技有限公司 | Financial service comes operated control method, device and electronic equipment |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101877111A (en) * | 2010-04-08 | 2010-11-03 | 苏州德融嘉信信用管理技术有限公司 | Internet banking business platform and operation method thereof |
| CN102194197A (en) * | 2010-03-03 | 2011-09-21 | 和雅保险经纪人有限公司 | Method for ensuring fulfillment of surety bond insurance contract |
| CN103065264A (en) * | 2012-02-16 | 2013-04-24 | 郭扶中 | System for managing risk of bond insurance cash flow |
-
2017
- 2017-04-06 CN CN201710220058.0A patent/CN108062663A/en not_active Withdrawn
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102194197A (en) * | 2010-03-03 | 2011-09-21 | 和雅保险经纪人有限公司 | Method for ensuring fulfillment of surety bond insurance contract |
| CN101877111A (en) * | 2010-04-08 | 2010-11-03 | 苏州德融嘉信信用管理技术有限公司 | Internet banking business platform and operation method thereof |
| CN103065264A (en) * | 2012-02-16 | 2013-04-24 | 郭扶中 | System for managing risk of bond insurance cash flow |
Non-Patent Citations (1)
| Title |
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| 付威威: "大宗商品电商平台风险管理研究——以T企业为例", 《万方数据：中国学位论文全文数据库》 * |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110349001A (en) * | 2019-06-29 | 2019-10-18 | 上海淇毓信息科技有限公司 | Financial service comes operated control method, device and electronic equipment |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20180522 |
|
| WW01 | Invention patent application withdrawn after publication |