CN108346101A - A kind of political affairs letter platform transaction service system - Google Patents
A kind of political affairs letter platform transaction service system Download PDFInfo
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- CN108346101A CN108346101A CN201810184927.3A CN201810184927A CN108346101A CN 108346101 A CN108346101 A CN 108346101A CN 201810184927 A CN201810184927 A CN 201810184927A CN 108346101 A CN108346101 A CN 108346101A
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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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Abstract
The present invention relates to a kind of political affairs to believe platform transaction service system, including：Management center module is used for the operation of the entire platform of management and control；Project announces module, for political affairs letter project to be published to platform；Information validating module, it is whether authentic and valid for verifying the project announced；Line module registers user for investor, logs in platform and purchase product；Fund Supervision module, the safety for ensuring flow of fund；Project administration module believes the process of project and the flow direction of investor's fund for open political affairs.The present invention can ensure that investment product is true and reliable, the transparent disclosure of investment process.
Description
Technical field
The present invention relates to the service field of network trading platform, more particularly to platform transaction service system is believed in a kind of political affairs.
Background technology
Assets investment is believed in political affairs, is exactly the assets investment using public credit as core, that is, the project of government credit guarantee,
General such as urban infrastructure, people's livelihood engineering.These PROJECT TIMEs are long, total fund is high, it is therefore desirable to which great amount of investment people carries out
Investment.It is more secure with government cooperative security compared with other investment products, especially in the current market situation,
It is even more to obtain the consistent approval in market that it, which invests cost performance,.
But investor understands few, doubt when this results in investing, such as following feelings to political affairs letter asset item now
Condition.
（1）Various government-invested projects are irregular, and an investment project occurs, and whether really how is truth on earth,
Government-invested project, investor are very difficult to verify；
（2）Whether fund whereabouts unknown, platform really hold money and go investment political affairs letter project, and still taking away, he uses；
（3）Many P2P platforms have political affairs to believe product now, but the domestic platform for specially doing political affairs letter project is seldom, that is, P2G flat
Platform, some platform prestige cannot ensure that investor may can't regain one's original capital；
（4）The extraction of investor's fund is inconvenient, and the amount of money generally invested all is bigger, and during the project implementation, fund is not
It can redeem；If investor's situation in the hole in the meantime, wants to redeem this investment, it is difficult to operate very much；
（5）After investor's investment, there is no specific legal effects to prove, encountering special circumstances cannot notarize；
（6）Some government-invested project extent of disclosure are inadequate, and investor does not have the publication that specific channel learns project, project fund-raising
Slowly, overall progress is influenced；And investor can not find eligible investment project, also be unfavorable for flow of fund.
Invention content
The purpose of the present invention is there are a variety of doubts for investment product by the investor for overcoming in the presence of the prior art
Problem, and a kind of political affairs letter platform transaction service system of reasonable design is provided, it can ensure that investment product is true and reliable, invest
The transparent disclosure of journey.
The present invention above-mentioned technical purpose technical scheme is that：A kind of political affairs letter platform transactional services
System, it is characterised in that：It includes management center module, is used for the operation of the entire platform of management and control；Project announces module, is used for
Political affairs letter project is published on platform；
Information validating module, it is whether authentic and valid for verifying the project announced；Line module, for investor register user,
Log in platform and purchase product；Fund Supervision module, the safety for ensuring flow of fund；Project administration module, for public affairs
Open the process of political affairs letter project and the flow direction of investor's fund.
Through the above technical solutions, management center module is for managing the operation of entire platform modules and rear number of units
According to the processing in library.Project announces each project that module is used to announce government's appearance, and information validating module is for verifying government's public affairs
Whether the project of cloth is authentic and valid, generally effectively, invalid, three kinds of states to be confirmed.Fund Supervision module is directly and department of banking
System docking, all treasury trades are supervised by the People's Bank, Third-party payment platform and business bank, and platform does not handle money
Gold, it is ensured that flow of fund safety is not used in him and uses.Project administration module, can be with the process and cash flow of real-time update project
To investor can inquire the actual conditions of oneself investment project by platform, whole open and clear.
For investor first by the ends PC or the ends APP in platform register account number, the project that may browse through on platform announces information,
And check whether the project is authentic and valid；Then purchase product, the fund of purchase is selected directly to pass through silver according to the demand of oneself
Row is pooled to the special fund account of government with Third-party payment mechanism, safer without platform；After government receives fund
Project implementation is carried out, and process project and use of funds disclose platform, investor can inquire the item of oneself purchase
Mesh information, it is more open and clear.By platform, more investors will be seen that various political affairs letter projects, and selective purchase,
The channel that investor understands project is increased, the speed that project is raised funds is also faster.And this platform only does government-invested project, leads to
It crosses P2G structures of deal and internet finance mode and provides finance resolution for government's place debt management, it is with a high credibility, for investment
People provides good capital and income guarantee.
Preferably, the information validating module is used to obtain the information of exchange, and exchange is for verifying government-invested project
Authenticity and give publicity.
Through the above technical solutions, exchange is to provide the fixed platform of transaction and information sharing, it is real by information platform
Existing property information is shared, strange land is merchandised, and is uniformly coordinated.The information of various projects all can be disclosed by transaction, while also including political affairs
Mansion project.Government-invested project is to ensure that really information validating module is directly by inquiring exchange after exchange announces
Information confirms whether government-invested project true, confirm it is true after can just be published on platform and to be browsed for user, it is ensured that on platform
Project is all true and reliable.
Preferably, the invention also includes Project Risk Assessment modules, and the risk class of project is believed for assessing political affairs.
Through the above technical solutions, government-invested project is nor completely without risk, although few the case where can't regain one's original capital,
It is such as to extend duration, interest difficulty to fulfil etc. that situations are quite a few to see, it is therefore desirable to carry out Project Risk Assessment.Platform passes through reality
Analysis project simultaneously participates in risk assessment, and provides independent legal opinion by row expert, lawyer, is bought for investor
When refer to.
Preferably, it is additionally provided with consumer's risk evaluation module in the line module.
Through the above technical solutions, before investor determines purchase product, consumer's risk module can be to the fund of investor
Carry out certain assessment, determine investor if appropriate for buy this product, such as be not suitable for can remind investor, as the project cycle compared with
It is long, investor's capital turnover difficulty may be caused after purchase, but final decision, still in investor itself, consumer's risk is commented
Module main function is estimated still to the watchful of investor, prevents blind investment.
Preferably, it is additionally provided with transfer module in the line module, product is transferred to new investment for investor
People.
Through the above technical solutions, investor during investment if encountering capital turnover difficulty, wait and terminate less than project
, product can be completely or partially transferred other investors, timely withdraw money.
Preferably, the invention also includes card administration module is deposited, the electronics proof of purchase for preserving investor simultaneously has method
Restrain effect.
Through the above technical solutions, investor after buying product, can generate encryption be protected by law electronics purchase with
Card, the voucher are saved from damage data and are supported judicial landing by third company's preservation by Legal Regulation, deposit card administration module and the
Tripartite's company information is connected to.When the legitimate rights and interests of investor are invaded, the authenticity of purchase product, the electronics are such as queried
Proof of purchase can notarize in notarial office, and provide most strong proof for transaction, which can be used as judicial evidence
Submit law court.
Preferably, the card administration module of depositing provides technical support by third company, and electricity is just automatically generated once transaction
Sub- proof of purchase, and electronics proof of purchase is saved in database；When investor needs to take electronics proof of purchase, Ke Yitong
Cross platform download.
Third company refers to that profession is dedicated to providing the legal services products such as evidence retention, evidence acquisition, evidence management
Internet operators.The peace that it possesses profession deposits electronics security management, has not only met existing laws and regulations, but also can connect
National authority organization user's identity authorization system, convenient and practical, safe, stability is strong, and client is allowed to feel at ease to trust.
Through the above technical solutions, after user buys product, third company can generate the purchase of the electronics with legal effect
Voucher is bought, and is stored in safe database.When user needs to call, it can be downloaded in platform by user name, password,
To safeguard the equity of oneself.User can only download with my account, prevent other people from usurping electronics proof of purchase, and more safety can
It leans on.
Preferably, the electronics proof of purchase is equipped with encryption information.
Through the above technical solutions, encryption information needs to identify by third company's special installation, electronics proof of purchase
On can not Direct Recognition.If user's keeping is not good at, electronics proof of purchase is replicated by other people, then encryption information can not be replicated,
The true and false can be effectively distinguished in this way, ensure the equity of user.
In conclusion the invention has the advantages that：
（1）Political affairs letter project whole process discloses, and can accomplish that information transparency, project are transparent, fund is transparent, risk is transparent, give investor
Better investment experiences.
（2）The transaction voucher of investor is securely held by third company, and for having access at any time, voucher can obtain various regions
The legal sanction of notarial office.
（3）Platform only provides information, does not handle the fund of investor, and fund is supervised by bank and Third-party payment platform
Pipe, it is ensured that the circulation safety of fund.
Description of the drawings
Fig. 1 is the schematic diagram that platform transaction service system is believed in political affairs in embodiment 1.
Fig. 2 is the schematic diagram of management center module in embodiment 1.
Fig. 3 is the schematic diagram of information validating module in embodiment 1.
Fig. 4 is the schematic diagram of project risk evaluation module in embodiment 1.
Fig. 5 is the schematic diagram of line module in embodiment 1.
Fig. 6 is the schematic diagram that card administration module is deposited in embodiment 2.
Fig. 7 is the schematic diagram of line module in embodiment 3.
Specific implementation mode
The invention will be further described below in conjunction with the accompanying drawings and by embodiment.
Embodiment 1：
Referring to Fig. 1, a kind of political affairs letter platform transaction service system, it includes：
Management center module is used for the operation of the entire platform of management and control；
Project announces module, for political affairs letter project to be published to platform；
Information validating module, it is whether authentic and valid for verifying the project announced；
Project Risk Assessment module believes the risk class of project for assessing political affairs；
Line module registers user for investor, logs in platform and purchase product；
Card administration module is deposited, the electronics proof of purchase for preserving investor simultaneously has legal effect；
Fund Supervision module, the safety for ensuring flow of fund；
Project administration module believes the process of project and the flow direction of investor's fund for open political affairs.
Its principle is：Platform establishes cooperative relationship with government first, after government's publication after project, through information validating module core
Whether real authentic and valid, effective be published to again on platform browses for user really；This production of Project Risk Assessment module estimation
The risk class of product, and it is for reference to provide legal documents.Investor, can after login first by line module register account number
Believe product information to browse the various political affairs issued on platform, buys oneself and need the product invested；Depositing card administration module can generate
Electronics proof of purchase with legal effect, user can download preservation, for safeguarding the equity of oneself.Fund Supervision module makes
The fund of purchase is directly pooled to the special fund account of government by bank and Third-party payment mechanism, without platform, more
Add safety.Bank carries out project implementation after receiving fund, and by project administration module the process and use of funds of project
Open to arrive platform, investor can inquire the project information of oneself purchase, more open and clear.
By platform, more investors will be seen that various political affairs letter projects, and selective purchase, increase investor
The channel of understanding project, the speed that project is raised funds is also faster.And this platform only does government-invested project, is merchandised and is tied by P2G
Structure and internet finance mode provide finance resolution for government's place debt management, with a high credibility, are provided well for investor
Capital and income guarantee.
As shown in Fig. 2, management center module, is used for the operation of the entire platform of management and control；It include foreground PC page ends,
The data center on cell phone application end and backstage, customer side.Foreground is browsed for user logs in purchase product, is used for platform from the background
Maintenance and customer service.
As shown in figure 3, in the present embodiment, information validating module is used to obtain the information of exchange, and exchange is for verifying
The authenticity of government-invested project simultaneously gives publicity.
Exchange is to provide the fixed platform of transaction and information sharing, by information platform, realizes that property information is shared, different
Ground is merchandised, and is uniformly coordinated.The information of various projects all can be disclosed by transaction, while also including government-invested project.Government-invested project passes through
Exchange is to ensure that really, information validating module directly confirms government-invested project by inquiring the information of exchange after announcing
It is whether true, it can just be published on platform after confirmation is true and be browsed for user, it is ensured that the project on platform is all true and reliable.
The staff of this platform can also come and go exchange, and the authenticity of government-invested project is directly verified with exchange.Pass through
Under line and line on dual verification, it is ensured that platform announce political affairs letter project validity.
As shown in figure 4, due to government-invested project nor completely without risk, although few the case where can't regain one's original capital,
For example extend duration, interest difficulty and fulfil etc. that situations are quite a few to see, it is therefore desirable to carry out Project Risk Assessment.Platform passes through practical point
Analysis project simultaneously participates in risk assessment, and provides independent legal documents by row expert, lawyer, joins when being bought for investor
It examines, reduces the purchase risk of investor.
As shown in figure 5, in the present embodiment, line module registers user for investor, logs in platform and purchase product,
Consumer's risk evaluation module is additionally provided in line module, for reminding the user beyond purchasing power.
Before investor determines purchase product, consumer's risk module can carry out certain assessment to the fund of investor, packet
Including some essential informations, the investors such as the essential information, working condition, income expenditure of investor must according to the facts fill in, in order to
It is assessed.As fruit product be more than investor purchasing power or purchase after can cause investor's financial difficulties, generation
User's assessment report can directly be given and remind.But for final decision still in investor itself, consumer's risk evaluation module is main
Effect prevents blind investment still to the watchful of investor.
Embodiment 2：
Difference lies in the present embodiment is additionally provided with deposits card administration module to the present embodiment, the electricity for preserving investor with embodiment 1
Sub- proof of purchase simultaneously has legal effect.
It, should be with as shown in fig. 6, investor after buying product, can generate the electronics proof of purchase that is protected by law of encryption
Card is saved from damage data and supports judicial landing, it is public with third party to be deposited card administration module by third company's preservation by Legal Regulation
Take charge of information communication.When the legitimate rights and interests of investor are invaded, such as by query purchase product authenticity, the electronics purchase with
Card can notarize in notarial office, and provide most strong proof for transaction, which can be used as judicial evidence and submit method
Institute.
Third company refers to that profession is dedicated to providing the legal services products such as evidence retention, evidence acquisition, evidence management
Internet operators.The peace that it possesses profession deposits electronics security management, has not only met existing laws and regulations, but also can connect
National authority organization user's identity authorization system, convenient and practical, safe, stability is strong, and client is allowed to feel at ease to trust.
After user buys product, third company can generate the electronics proof of purchase with legal effect, and be stored in
In the database of safety.When user needs to call, it can be downloaded in platform by user name, password, to safeguard the equity of oneself.
User can only download with my account, prevent other people from usurping electronics proof of purchase, more securely and reliably.
The electronics proof of purchase is equipped with encryption information, and encryption information needs to know by third company's special installation
It not, can not Direct Recognition in electronics proof of purchase.If user's keeping is not good at, electronics proof of purchase is replicated by other people, then is encrypted
Information can not be replicated, and can effectively distinguish the true and false in this way, ensure the equity of user.
Encryption information has the data safety and privacy protection system of financial level, it is ensured that with regard to same when data are generated and created
Step implement " real-time integrity backup ", not only solving at the first time evidence solidification and preserve, but also the transmission of data with
In storage, possess the protection of highest level encrypted transmission, Ministry of Public Security's integrality differentiates, distributed cloud storage isolation and security protection are protected
Barrier ensures to be not tampered in real time data synchronization backup procedure and storing process, to ensure that the authenticity of evidence.
Third company sets up special independent notarization evidence obtaining channel, and notary organs is allowed to be directly entered database background application tune
The electronic data for having backed up and having saved from damage is taken, and this evidence obtaining process and electronic data content are intuitively presented in the form of notarization
It is fixed with form, fundamentally solves the problems such as acquirement, court's cross-examination presentation and filing of electronic evidence.
The present embodiment can accomplish really to safeguard the equity of investor by law, can without card when preventing special circumstances from occurring
The embarrassment taken.
Embodiment 3：
As shown in fig. 7, the present embodiment the difference from example 2 is that, transfer module is additionally provided in line module, be used for investor
Product is transferred to new investor.
Investor if encounter capital turnover difficulty, waits and terminates less than project during investment, can be product whole
Or partial assignment gives other investors, timely withdraw money.
Investor, there are one option is transferred the possession of, clicks after confirming, so that it may with what oneself was bought in the product that oneself is bought
Product is suspended on platform, other investors can buy it is seen that information.
Investor can select all to transfer the possession of or partial assignment, and if investor initially has purchased 100 parts of products, when transfer can
To transfer the possession of corresponding number, such as 50 parts according to the credit requirement of oneself and product correlation transfer regulation.Other investors are such as
Fruit has purchased the product of transfer, and corresponding fund can be directly entered the account of former investor, and former investor can extract at any time.
After product is transferred the possession of, new electronics proof of purchase can be generated by depositing card administration module, which belongs to the investment newly bought
The electronics proof of purchase of people, former investor also have corresponding record information change.
Transfer modes make the use of funds of investor more flexible, and will not drag can not extremely take out in some project, drop
The low purchase risk of investor.
Furthermore, it is necessary to illustrate, the specific embodiment described in this specification, as long as the undeclared tool of its dependency structure
Shape and size, then the structure can be any shape and size adaptable with it；Meanwhile the title that structure is taken
It can be different.The equivalent or simple change that all structure, feature and principles according to described in inventional idea of the present invention are done, is included in
In the protection domain of patent of the present invention.
Claims (8)
1. platform transaction service system is believed in a kind of political affairs, it is characterised in that：It includes,
Management center module is used for the operation of the entire platform of management and control；
Project announces module, for political affairs letter project to be published to platform；
Information validating module, it is whether authentic and valid for verifying the project announced；
Line module registers user for investor, logs in platform and purchase product；
Fund Supervision module, the safety for ensuring flow of fund；
Project administration module believes the process of project and the flow direction of investor's fund for open political affairs.
2. platform transaction service system is believed in political affairs according to claim 1, it is characterised in that：The information validating module is used
In the information for obtaining exchange, exchange is used to verify the authenticity of government-invested project and gives publicity.
3. platform transaction service system is believed in political affairs according to claim 1 or 2, it is characterised in that：It further includes project risk
Evaluation module believes the risk class of project for assessing political affairs.
4. platform transaction service system is believed in political affairs according to claim 3, it is characterised in that：It is also set in the line module
There is user's risk evaluation module.
5. platform transaction service system is believed in political affairs according to claim 4, it is characterised in that：It is also set in the line module
There is transfer module, product is transferred to new investor for investor.
6. platform transaction service system is believed in political affairs according to claim 1, it is characterised in that：It further includes depositing card supervision mould
Block, electronics proof of purchase for preserving investor simultaneously have legal effect.
7. platform transaction service system is believed in political affairs according to claim 6, it is characterised in that：The card administration module of depositing is by the
Tripartite company provides technical support, just automatically generates electronics proof of purchase once transaction, and electronics proof of purchase is saved in number
According in library；When investor needs to take electronics proof of purchase, it can be downloaded by platform.
8. platform transaction service system is believed in political affairs according to claim 7, it is characterised in that：In the electronics proof of purchase
Equipped with encryption information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810184927.3A CN108346101A (en) | 2018-03-06 | 2018-03-06 | A kind of political affairs letter platform transaction service system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810184927.3A CN108346101A (en) | 2018-03-06 | 2018-03-06 | A kind of political affairs letter platform transaction service system |
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| CN108346101A true CN108346101A (en) | 2018-07-31 |
Family
ID=62956573
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| CN201810184927.3A Pending CN108346101A (en) | 2018-03-06 | 2018-03-06 | A kind of political affairs letter platform transaction service system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113191904A (en) * | 2021-04-14 | 2021-07-30 | 成都金税电子技术有限公司 | Project investment risk management system |
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Address after: 334700 E-Commerce Industrial Park Incubator No.6 Building, 3 Floor, 15 District, Yushan County, Shangrao City, Jiangxi Province Applicant after: Jiangxi Zhengxing Technology Co.,Ltd. Address before: Room 1007, Unit 1, 168 Century Avenue, Nanyuan Street, Yuhang District, Hangzhou City, Zhejiang Province Applicant before: Hangzhou Zhengxin Technology Co.,Ltd. Address after: Room 1007, Unit 1, 168 Century Avenue, Nanyuan Street, Yuhang District, Hangzhou City, Zhejiang Province Applicant after: Hangzhou Zhengxin Technology Co.,Ltd. Address before: Room 1007, Unit 1, 168 Century Avenue, Nanyuan Street, Yuhang District, Hangzhou City, Zhejiang Province Applicant before: HANGZHOU ZHENGXIN FINANCIAL INTERNET TECHNOLOGY CO.,LTD. |
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Application publication date: 20180731 |