CN108280601A - A kind of fiduciary books intelligence lending system - Google Patents
A kind of fiduciary books intelligence lending system Download PDFInfo
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- CN108280601A CN108280601A CN201810214588.9A CN201810214588A CN108280601A CN 108280601 A CN108280601 A CN 108280601A CN 201810214588 A CN201810214588 A CN 201810214588A CN 108280601 A CN108280601 A CN 108280601A
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- 238000012550 audit Methods 0.000 claims abstract description 9
- 230000000977 initiatory effect Effects 0.000 claims abstract description 6
- 238000007726 management method Methods 0.000 claims abstract description 6
- 238000012797 qualification Methods 0.000 claims abstract description 6
- 238000007689 inspection Methods 0.000 claims description 6
- 238000012795 verification Methods 0.000 claims description 4
- 238000004458 analytical method Methods 0.000 claims description 2
- 238000013473 artificial intelligence Methods 0.000 claims description 2
- 238000012546 transfer Methods 0.000 claims description 2
- 230000007547 defect Effects 0.000 abstract 1
- 238000000034 method Methods 0.000 description 3
- 238000012384 transportation and delivery Methods 0.000 description 3
- 238000010276 construction Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 229920003023 plastic Polymers 0.000 description 2
- 239000004033 plastic Substances 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000007812 deficiency Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 239000000686 essence Substances 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000008092 positive effect Effects 0.000 description 1
- 230000001737 promoting effect Effects 0.000 description 1
- 238000012502 risk assessment Methods 0.000 description 1
- GOLXNESZZPUPJE-UHFFFAOYSA-N spiromesifen Chemical compound CC1=CC(C)=CC(C)=C1C(C(O1)=O)=C(OC(=O)CC(C)(C)C)C11CCCC1 GOLXNESZZPUPJE-UHFFFAOYSA-N 0.000 description 1
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- G—PHYSICS
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- 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
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0645—Rental transactions; Leasing transactions
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- G—PHYSICS
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- 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
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
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Abstract
The present invention provides a kind of fiduciary books intelligence lending system, including terminal device, credit lending system and the book lending system being connected with each other successively；The terminal device, for borrowing certificates handling application to credit lending system initiation credit, borrowing books application and order inquiries application；The credit lending system, the scoring for receiving the application from the terminal device and carrying out assessing credit risks to reader, borrow the audit of qualification and the credit that checks out, while sending readership information and corresponding application information to the book lending system；The book lending system, for complete book information, borrow information and mailing books management and the corresponding information content is fed back into the credit lending system.The present invention overcomes existing borrower's card in kind to borrow defect existing for books, and books are intelligently completed based on credit and are borrowed.
Description
Technical field
The invention belongs to book borrowing and reading technical fields, and in particular to a kind of fiduciary books intelligence lending system.
Background technology
Existing book borrowing and reading technology is based on borrowing card, and reader needs to arrive first library's certificates handling, and while checking out needs to brush
Borrow card or Citizen Card Item.The characteristics of prior art includes：
It applies for card 1. reader needs to arrive first library or related certificates handling site；
2. handling Card to need to pay a certain number of cash pledges and service charge；
3. needing to brush when borrowing books to borrow card.
The deficiencies in the prior art：
1. once borrowing card loss, reader is difficult to report the loss in time, picks and borrows the stranger of card and can also borrow books；
2. after borrowing card loss, need to apply for card again, again paying；
3. being relatively independent by borrowing card and checking out, attribute is single, can not be associated with reader's others social activities,
The unified Credit System Construction of society can not be included in；
4. Readers ' Borrowing Books need use to borrow card, if band is not borrowed card and cannot be borrowed；
5. Card is anti-fake there are certain difficulty, the Card in many libraries does not increase anti-counterfeit recognition, it is easy to pseudo-
It makes；
6. most of, to borrow card all be plastic products, wastes social resources, and not environmentally.
Invention content
In order to overcome the problems of the above-mentioned prior art, a kind of fiduciary books of present invention offer, which are intelligently borrowed, is
System.
The present invention provides the following technical solutions：
A kind of fiduciary books intelligence lending system, including the terminal device that is connected with each other successively, credit are borrowed and are
System and book lending system；
The terminal device, for borrowing certificates handling application to credit lending system initiation credit, borrowing books application
With order inquiries application；
The credit lending system is commented for receiving the application from the terminal device and carrying out credit risk to reader
Estimate, borrow the scoring of the audit of qualification and the credit that checks out, while readership information and phase are sent to the book lending system
Application information, the credit lending system is answered to be also associated with social credit system；
The book lending system is completed for receiving the information from the credit lending system and preserving information reader
Corresponding application content is completed at the same time book information, borrows information and the management of mailing books and feed back the corresponding information content
To the credit lending system.
Preferably, the terminal device includes mobile phone and computer, and the terminal device is equipped with code reader, and the code reader is used
It borrows certificates handling application in by barcode scanning initiation, borrow books application and order inquiries application.
Preferably, the content of the assessing credit risks includes identity reality inspection, recognition of face, fingerprint recognition, letter
It is veritified with a point up to standard, telephone number authenticity examination, identity card verification, passport, history consumer record checks and break one's promise in violation of rules and regulations note
Record checks that the content sources of the assessing credit risks are in the social credit system.
Preferably, the audit project for borrowing qualification includes whether the whether up to standard, reader of personal credit point has promise breaking to remember
Whether record has the order that exceeds the time limit not give back and whether identity information certification is consistent, and the readership information is ID card No., hand
Machine number or the uniqueness ID for marking personal identification.
Preferably, the scoring of the credit that checks out records this letter according to the information of borrowing that the book lending system is fed back
With record, personal credit point is recalculated, and new personal credit data are finally uploaded into the social credit system.
Preferably, the book lending system is also associated with big data system, and the big data system includes identity information
Library and history information library, the identity information library connect the book lending system with the history information library, are used for the figure
Book lending system is veritified to readership and identification.
Preferably, the content that the readership is veritified includes readership card number, phone number, reader geographical location
Information, the consistency in reader address and reader's name information, the identification are based on recognition of face, fingerprint recognition, video
Veritification, artificial intelligence analysis transfer reader's face line and compare identity information library and the information of history information library of the reader, confirm
Current reader in identity information library and history information library reader's face line or fingerprint or other comparison element informations meet, institute
The information source of identity information library and history information library is stated in Ministry of Public Security's identity information library or the historical data by veritifying.
The beneficial effects of the invention are as follows：The problem of books being borrowed based on personal credit, card are borrowed there is no loss；By a
People's credit borrows book system, and reader borrows also record that will be accumulated to individual credit system, no longer needs to additionally pay cash pledge：By books
Borrowing System is fused to personal credit, and eventually becomes a part for social credit system, to promoting the construction of credit office's meeting to have
Positive effect；Reader can borrow books by intelligent terminals such as mobile phone, computers, no longer need to carry and borrow card, help reader to borrow
Book；Readership and promise breaking record are verified by personal credit, everyone identity is by strictly auditing, utmostly protecting
User information safety and assets security are demonstrate,proved；There is no the entity card of plastics, hygienic environment-protecting；It is checked out based on credit, selects delivery point
Afterwards, book is sent to visit, reader need not specially go library's certificates handling to check out, and having a try all apply for card everywhere checks out, and save the travel time.
Description of the drawings
Attached drawing is used to provide further understanding of the present invention, and a part for constitution instruction, the reality with the present invention
It applies example to be used to explain the present invention together, not be construed as limiting the invention.In the accompanying drawings：
Fig. 1 is schematic structural view of the invention.
Specific implementation mode
As shown in Figure 1, a kind of fiduciary books intelligence lending system, including be connected with each other successively terminal device,
Credit lending system and book lending system；Terminal device, for borrowing certificates handling application to credit lending system initiation credit, borrowing
Read books application and order inquiries application；Credit lending system, for receiving the application from terminal device and being carried out to reader
Assessing credit risks, the audit for borrowing qualification and the credit that checks out scoring, while to book lending system send readership letter
Breath and corresponding application information, credit lending system are also associated with social credit system；Book lending system, it is next self-confident for receiving
It with the information of lending system and preserves information reader and completes corresponding application content, be completed at the same time book information, borrow information and postal
It posts the management of books and the corresponding information content is fed back into credit lending system.
As shown in Figure 1, a kind of specific certificates handling process of fiduciary books intelligence lending system：Reader applies for that credit is borrowed
It reads, places an order by barcode scanning (containing one-dimension code, Quick Response Code or other types of bar code), terminal device and (contain mobile phone, computer or other intelligence
Can equipment), scene the various ways such as check out, initiate credit and borrow certificates handling application；Credit lending system receives what reader sent
Request is borrowed, carries out assessing credit risks according to pre-set auditing flow, the content of risk assessment is including but not limited to this
A little contents：Identity reality inspection, recognition of face, fingerprint recognition, credit score be up to standard, telephone number authenticity examination, identity card
Verification, passport are veritified, history consumer record checks in violation of rules and regulations, record check etc. of breaking one's promise；Assessing credit risks successfully passes, and will read
Person's identity information is sent to book lending system, readership information including but not limited to：Reader's name, telephone number, identity
Demonstrate,prove number, passport number, certificate address information etc.；Book lending system checks information reader, is borrowed if the reader had handled
Card or similar voucher, directly return it is existing borrow voucher number, without repeating certificates handling；If reader is new user, reader is preserved
Information, and Card is generated for reader, book lending system certificates handling success returns to reader's electronic certificate information.
As shown in Figure 1, a kind of specific process that checks out of fiduciary books intelligence lending system：Reader can pass through
Mobile phone or other intelligent terminal initiate credit and borrow books application, and credit lending system first examines Readers ' Borrowing Books qualification
Core can audit these projects but be not limited to these projects：Whether whether credit score is up to standard, whether reader has promise breaking record, have
Exceeding the time limit, order is not given back, whether certification is consistent etc.；Readership information is obtained based on credit lending system, can be reader's body
Part card number, can also be other information that can identify reader's uniqueness, readership information is changed into book lending system energy
The identity (if the readership information that book lending system directly stores, can not also convert) enough identified；Book borrowing and reading
Whether the systems inspection reader meets the condition (whether breaking a contract, if exceed the time limit, if borrowed full) borrowed again and inspection
No target books are in the state that can be borrowed, and when conditions above all meets, borrow successfully and notify credit lending system, credit
Lending system receives the notice of borrowing that book lending system sends, and generates credit order, and credit order is tied up with order is borrowed
It is fixed to arrive together；Credit lending system records the pen and borrows record, influences the calculating of personal credit point, and finally brings society into
Credit system.
As shown in Figure 1, a kind of specific also book process of fiduciary books intelligence lending system：The successful also book of reader
(it is not limited to mode, place) afterwards, book lending system receives reader's also book and successfully notifies, and the book borrowing and reading order that finishes；Letter
Reader's also book is received with lending system successfully to notify, and this credit order that finishes (note：If this credit order has more
Books need to wait for that all books finish, and meet credit order and finish the credit order that finishes after condition)；This credit record is recorded,
Personal credit point is recalculated, and finally upload the data to social credit system.
As shown in Figure 1, a kind of specific identity of fiduciary books intelligence lending system is veritified and identification
Journey：Reader is not necessarily to, in library and branch library certificates handling, application can be completed by mobile phone or other intelligent terminal and identity is veritified；Letter
Reader's certificates handling application is received with lending system, (such as ID card No., phone number, mark are personal by application information data
Uniqueness ID of identity etc.), information reader is sent to book lending system and big data system carries out identity validation；Verification is read
The consistency of person's identity information compares identity information library and the information of history information library of the reader, confirms current reader and body
Part information bank and reader's face line in history information library or fingerprint or other comparison element informations meet.
As shown in Figure 1, a kind of order inquiries management of fiduciary books intelligence lending system：Reader can be in intelligence
Querying individual credit order in energy terminal；Reader can pass through intelligent terminal barcode scanning (one-dimension code, Quick Response Code or other bar codes
Type), querying individual credit order；Reader can borrow order record by querying individual in library equipment or system；Reader
The current order borrowed or History Order can be inquired.
As shown in Figure 1, a kind of Treatment for Default of fiduciary books intelligence lending system：Once there are books credits to borrow
Default risk is read, system will do following processing：It is more by short message, phone, wechat, Alipay etc. before violations will occur
Kind channel notifies the presence of reader's default risk and result of breach of contract to influence personal credit；When promise breaking occurs, system will have one
Fixed width is pardoned the phase, and notifies that reader finishes within the forgiveness phase credit order as early as possible；After promise breaking occurs, record promise breaking record is uploaded and is disobeyed
About information is to personal credit system；After promise breaking occurs, within certain time limit (or permanent), forbid the other figures of Readers ' Borrowing Books
Book until this promise breaking order processing and finishes；After promise breaking occurs, system will recalculate the credit score of reader, and subtract in right amount
Point.
As shown in Figure 1, a kind of mailing books management of fiduciary books intelligence lending system：Reader is in intelligent terminal
On check out success, and select package delivering；Readers' preference delivery point can be family, can also be fixed place；Books are borrowed
The system of readding receives reader's order, finds books and generates package；Logistics delivery of packages is to appointed place；If reader asks for, read
Person, which receives, takes package to notify that credit barcode scanning is as the voucher for taking package；Whether in person system credit audit reader, and audit passes through,
Reader takes package away.
The foregoing is only a preferred embodiment of the present invention, is not intended to restrict the invention, although with reference to aforementioned reality
Applying example, invention is explained in detail, for those skilled in the art, still can be to aforementioned each implementation
Technical solution recorded in example is modified or equivalent replacement of some of the technical features.All essences in the present invention
With within principle, any modification, equivalent replacement, improvement and so on should all be included in the protection scope of the present invention god.
Claims (7)
1. a kind of fiduciary books intelligence lending system, which is characterized in that including terminal device, the letter being connected with each other successively
With lending system and book lending system；
The terminal device borrows certificates handling application, borrows books application and order for initiating credit to the credit lending system
Single inquiry application；
The credit lending system, for receives the application from the terminal device and to reader progress assessing credit risks,
The scoring of the audit of qualification and the credit that checks out is borrowed, while readership information and corresponding Shen are sent to the book lending system
Please information, the credit lending system is also associated with social credit system；
The book lending system is completed accordingly for receiving the information from the credit lending system and preserving information reader
Apply content, be completed at the same time book information, borrow information and mailing books management and the corresponding information content is fed back into institute
State credit lending system.
2. a kind of fiduciary books intelligence lending system according to claim 1, which is characterized in that the terminal is set
Standby includes mobile phone and computer, and the terminal device is equipped with code reader, and the code reader is used to borrow certificates handling Shen by barcode scanning initiation
Please, books application and order inquiries application are borrowed.
3. a kind of fiduciary books intelligence lending system according to claim 1, which is characterized in that the credit wind
The content nearly assessed includes that identity reality inspection, recognition of face, fingerprint recognition, credit score be up to standard, the inspection of telephone number authenticity
It looks into, identity card verification, passport are veritified, history consumer record checks and breaks one's promise in violation of rules and regulations record check, the assessing credit risks
Content sources are in the social credit system.
4. a kind of fiduciary books intelligence lending system according to claim 1, which is characterized in that described to borrow money
The audit project of lattice include personal credit point whether up to standard, reader whether have promise breaking record, whether have the order that exceeds the time limit do not give back and
Whether identity information certification is consistent, and the readership information is ID card No., phone number or marks personal identification only
One property ID.
5. a kind of fiduciary books intelligence lending system according to claim 1, which is characterized in that the letter that checks out
Scoring records this credit record according to the information of borrowing that the book lending system is fed back, and recalculates personal credit
Point, and new personal credit data are finally uploaded into the social credit system.
6. a kind of fiduciary books intelligence lending system according to claim 1, which is characterized in that the books are borrowed
The system of readding is also associated with big data system, and the big data system includes identity information library and history information library, the identity letter
Breath library connect the book lending system with the history information library, for the book lending system to readership veritification and
Identification.
7. a kind of fiduciary books intelligence lending system according to claim 6, which is characterized in that reader's body
The content that part is veritified includes readership card number, phone number, reader's geographical location information, reader address and reader's name letter
The consistency of breath, the identification are based on recognition of face, fingerprint recognition, video veritification, artificial intelligence analysis, transfer reader
Face line and identity information library and the information of history information library for comparing the reader, confirm current reader and identity information library and history
Reader's face line or fingerprint or other comparison element informations in information bank meet, the identity information library and history information library
Information source is in Ministry of Public Security's identity information library or the historical data by veritifying.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810214588.9A CN108280601A (en) | 2018-03-15 | 2018-03-15 | A kind of fiduciary books intelligence lending system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810214588.9A CN108280601A (en) | 2018-03-15 | 2018-03-15 | A kind of fiduciary books intelligence lending system |
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| Publication Number | Publication Date |
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| CN108280601A true CN108280601A (en) | 2018-07-13 |
Family
ID=62809688
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| CN201810214588.9A Pending CN108280601A (en) | 2018-03-15 | 2018-03-15 | A kind of fiduciary books intelligence lending system |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109858911A (en) * | 2019-01-31 | 2019-06-07 | 京东数字科技控股有限公司 | Qualification verification method, device, system, equipment and readable storage medium storing program for executing |
| CN110210839A (en) * | 2019-06-05 | 2019-09-06 | 马慧萍 | A kind of fiduciary intelligent book management system and its method |
| CN110555704A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Credit contract processing method and device based on credit guarantee |
| CN110555591A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | contract processing method and device under credit book borrowing scene |
| CN110675170A (en) * | 2019-09-27 | 2020-01-10 | 支付宝(杭州)信息技术有限公司 | Credit-based certificate guarantee method and device |
| CN110827479A (en) * | 2019-11-18 | 2020-02-21 | 深圳市海恒智能科技有限公司 | Credit book borrowing method and device, computer equipment and storage medium |
| CN110853242A (en) * | 2019-11-18 | 2020-02-28 | 深圳市海恒智能科技有限公司 | Non-inductive certificate handling method and device, computer equipment and storage medium |
| CN112559988A (en) * | 2020-12-11 | 2021-03-26 | 杭州趣链科技有限公司 | Book borrowing method, device and equipment based on block chain and readable storage medium |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109858911A (en) * | 2019-01-31 | 2019-06-07 | 京东数字科技控股有限公司 | Qualification verification method, device, system, equipment and readable storage medium storing program for executing |
| CN110210839A (en) * | 2019-06-05 | 2019-09-06 | 马慧萍 | A kind of fiduciary intelligent book management system and its method |
| CN110555704A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Credit contract processing method and device based on credit guarantee |
| CN110555591A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | contract processing method and device under credit book borrowing scene |
| CN110675170A (en) * | 2019-09-27 | 2020-01-10 | 支付宝(杭州)信息技术有限公司 | Credit-based certificate guarantee method and device |
| CN110827479A (en) * | 2019-11-18 | 2020-02-21 | 深圳市海恒智能科技有限公司 | Credit book borrowing method and device, computer equipment and storage medium |
| CN110853242A (en) * | 2019-11-18 | 2020-02-28 | 深圳市海恒智能科技有限公司 | Non-inductive certificate handling method and device, computer equipment and storage medium |
| CN112559988A (en) * | 2020-12-11 | 2021-03-26 | 杭州趣链科技有限公司 | Book borrowing method, device and equipment based on block chain and readable storage medium |
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