CN108446920A - A kind of serious disease crowd raises platform and crowd raises method - Google Patents
A kind of serious disease crowd raises platform and crowd raises method Download PDFInfo
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- CN108446920A CN108446920A CN201810022575.1A CN201810022575A CN108446920A CN 108446920 A CN108446920 A CN 108446920A CN 201810022575 A CN201810022575 A CN 201810022575A CN 108446920 A CN108446920 A CN 108446920A
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- 201000010099 disease Diseases 0.000 title claims abstract description 24
- 208000037265 diseases, disorders, signs and symptoms Diseases 0.000 title claims abstract description 24
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- 238000003745 diagnosis Methods 0.000 claims description 8
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- 229910052737 gold Inorganic materials 0.000 claims description 2
- 238000012550 audit Methods 0.000 description 4
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- 230000001360 synchronised effect Effects 0.000 description 2
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Abstract
Platform is raised the present invention provides a kind of serious disease crowd and crowd raises method, and it includes that registration module, user log-in authentication module, information issuing module, fund procurement module, crowd raise information logging modle, management module which, which raises platform,；The management module is raised information logging modle and is connect with the registration module, user log-in authentication module, information issuing module, fund procurement module, crowd respectively；The present invention ensures each project very authenticity by crowd's method of raising, once project success, platform ensures that patient treats as early as possible at once to the amount of money needed for fund raiser.In order to allow contributor more active to go to contribute money, other than ensureing each project authenticity.Platform allows contributor's money donated that has an opportunity finally to feed back to oneself and relatives, different for the mode raised money, and contributor can also select free contribution and paid contribution according to oneself wish.
Description
[technical field]
The present invention relates to crowds to raise platform field, more particularly to a kind of serious disease crowd raises platform and crowd raises method.
[background technology]
Global environment is worsening, and the living environment of the people is suffered from cancer etc. serious disease by severe challenge, the common people and substantially increased,
The insurance of many people is not comprehensive.Recently the serious disease crowd risen raises also brings help to some people, but existing serious disease crowd raises
There is also many problems, such as：Many projects of raising money all are that fund raiser oneself initiates, and authenticity is difficult to ensure, many people are not
The case it is believed that these are raised money again.Additionally there are following problems：(1) many development of projects are slow after fund raiser's application, and very
All do not reach the required amount of money after raising money more, misses the optimal treatment phase in waiting process, it is also necessary to which others tries every possible means again
It raises money.(2) contributor can also consider money to be donated to others, just in case the case where oneself is needed what if, in addition to case confidence level
Holding the suspicious attitude also can influence whether it contributes money.
[invention content]
Patent of the present invention raises the pain spot in field for existing serious disease public good crowd, provides completely new solution.It solves
The problem of user raises the problem of platform is difficult to trust to crowd, and fund raiser urgently takes lifesaving money as early as possible, goodness-sum is allocated a fund for its specified purpose, unlikely
The problem of even spending freely is diverted in appearance.It can also allow contributor that can be returned from the love once dedicated to.Solves tax
The trouble and worry of money people.
To solve the above-mentioned problems, it raises platform the present invention provides a kind of disease relief crowd and crowd raises method.Scheme is as follows：
A kind of serious disease crowd raises platform, and it includes registration module, user log-in authentication module, information publication mould which, which raises platform,
Block, fund procurement module, crowd raise information logging modle, management module；The management module respectively with the registration module, user
Login authentication module, information issuing module, fund procurement module, crowd raise information logging modle connection；Wherein, the fund procurement
Module is used to fill in the amount of the fund of needs, and binds crowd and raise account；The crowd raises information logging modle to many gold raised
Volume is recorded；The fund that the management module launches many persons of raising is integrated；The crowd raises information logging modle for remembering
The personal information of contributor is recorded, the amount of money is launched and launches fund account.
Further, described information release module is equipped with project code of raising money, and the project code of raising money is by three groups four
Character forms, totally 12 characters, and first four represent project leader's number of raising money, and intermediate four represent the time, before 8 to be
System generate, behind four be random secret key.
Further, the random secret key raises the project work personnel acquisition of platform by crowd.
A kind of crowd that serious disease crowd raises platform raises method, user platform register and pass through user log-in authentication module carry out it is real
There is equity to carry out gratuitously contribution, paid contribution and application crowd after name certification to raise, can not can only carry out nothing by real-name authentication
Repay contribution.
Further, when the paid contribution of selection, platform stays in platform personal account by the amount of money is contributed money, when contributor oneself with
And lineal relative, when needing to raise money, the crowd that the amount of money contributed money with compensation is squeezed into contributor by platform raises account.
Further, when selection is contributed money with compensation, when contributor was over 60 years old, the amount of money of contribution is disposably retracted into contribution
The bank account of people.
Further, when selection application crowd raises, platform will verify the information of fund raiser, after hospital makes a definite diagnosis, raise money
Person selects publication and gratuitously raises money or raise money with compensation.
Further, selection is gratuitously when raising money, and it is to raise money the 110% of total amount to be defined the upper limit to the fund raised money,
When reaching target, the project of raising money terminates at this time.
Further, selection is with compensation when raising money, and it is to raise money the 120% of total amount to be defined the upper limit to the fund raised money,
Arrange fund raiser's refund time and mode of repayment, when reaching target, the project of raising money terminates at this time.
Further, it further includes platform risk control module that crowd, which raises platform, when being raised money with compensation, what project was raised
The amount of money be not achieved project settings raise money the amount of money or fund raiser does not honour an agreement finally refund, barbed portion, which translates into, gratuitously raises
Money.
The present invention sets for this platform exclusively by wechat public platform, app.Wherein ensure that data disclose by block chain technology
Bright property.The contribution data of big data analysis daily monthly are reached the standard grade how many projects of raising money to determine subsequent time period.By potential wind
Danger is preferably minimized degree.
The serious disease crowd of the present invention raises platform and crowd raises the advantageous effect that method and technology scheme is brought：
(1) ensure each project very authenticity.
(2) once project success, platform ensure that patient treats as early as possible at once to the amount of money needed for fund raiser.
(3) in order to allow contributor more active to go to contribute money, other than ensureing each project authenticity.Platform allows contributor
The money donated that has an opportunity finally is fed back to oneself and relatives.
(4) it is different to be directed to the mode raised money, contributor can also select free contribution to be contributed with paid according to oneself wish
Money.The money gratuitously contributed money will not return contributor.When contributor selects paid contribution, contribution can fully be shown in personal account
In.When contributor oneself or lineal relative need when platform initiation is raised money.The paid contribution amount of money of personal account accumulation can same Shen
The amount of money of raising money please is given to contributor together.Or contributor disposably returns to contributor when threescore.It allows and pays love
The heart is returned.
[description of the drawings]
Fig. 1 is the schematic diagram that crowd of the present invention raises platform.
Fig. 2 is present invention contribution and flow diagram of raising money.
[specific implementation mode]
In order to keep the technological means that the present invention realizes clear, the present invention is further explained below in conjunction with the accompanying drawings.
The present invention relates to three main bodys：Fund raiser, contributor, platform.Each user in platform registration, simultaneously recognize by real name
After card.Either fund raiser, can also be contributor.Fund raiser can select to raise money with compensation and gratuitously raise money.Contributor
It can select to contribute money with compensation and free contribution.It is equipped with and raises money project code in information issuing module, fill in when raising money application, need
First fill in project code of raising money.Project code raise money by three groups of four characters, totally 12 character combinations form.Preceding four representatives are raised
Money project leader numbers, and intermediate four represent the time, behind four be random secret key that platform provides.Random secret key is can not
With reuse.It may insure the uniqueness of each project code in this way.And fund raiser must seek advice from the item of raising money of oneself
Mesh, which is responsible for the talent, can obtain project code of raising money.Fund raiser is unilaterally that can not initiate to raise money in platform in this way.
As shown in Figure 1：It includes that registration module, user log-in authentication module, information issuing module, fund are raised that the crowd, which raises platform,
Collection module, crowd raise information logging modle, management module, platform risk control.
As shown in Fig. 2, present invention contribution and flow diagram of raising money, are specifically described below：
(1) it raises money with compensation
1. when fund raiser is when platform initiates to raise money with compensation, fund raiser first gets in touch with the project leader that raises money in platform.
Mesh responsible person entry evaluation fund raiser meets platform and raises money when requiring, and goes nearest platform to refer to according to the guidance of fund raiser's reality
Fixed hospital makes a definite diagnosis.After hospital makes a definite diagnosis successfully, project leader signs contract of raising money with fund raiser, develops and publishes deceptive information
Legal liabilities.Agreement refund time mode of repayment and guaranty guarantee data etc..The project leader that raises money instructs to raise again
Money people initiates to raise money on platform.Fill in raise money application when, need first to fill in project code of raising money.Project code raise money by three groups
Four characters, totally 12 character combinations form.First four represent project leader's number of raising money, and intermediate four represent the time, after
Four, face is the random secret key that platform provides.Random secret key cannot be reused.It may insure that each project is compiled in this way
The uniqueness of code.And fund raiser must seek advice from the project leader that raises money of oneself can just obtain project code of raising money.In this way
Fund raiser can not unilaterally initiate to raise money in platform.Fund-raising data is submitted after the completion of filling in, in platform background audit.Audit
It could be shown in platform after.It is this it is on-line off-line be combined by way of ensure the authenticity of each project.
2. project one is reached the standard grade when raising money, platform sets up a rubricated account to fund raiser.The amount of money of raising money squeezes into this account at once
On family.Fund domination needs fund raiser, attending physician, project leader's joint consultation to dominate.It is practical after the completion of Case treatment
When the domination amount of money also has compared with multiresidue.It can negotiate residual amount retracting platform with fund raiser.The amount of money platform retracted is from last
One contribution is always toward backtracking.The money that fund raiser retracts is returned in contributor's account.The money contributor retracted can be donated to
Sundry item.
3. platform to fund raiser beat money to allocate a fund for its specified purpose account while carry out project financing running.Raising money the period can basis
Actual conditions establishing time (for example raising money one month time), within the time of raising money highest can raise money the amount of money 120% (ratio
Ten thousand) 200,000 platform of the amount of money of such as raising money can raise 24, achieve the goal the amount of money or reach raise money the period after close and raise money channel.
4. according to the contract signed with fund raiser when reaching the refund time of fund raiser, project leader can shift to an earlier date and raise
Money people contacts, and fund raiser is supervised to refund by stipulated form.Project is completed.
(2) it gratuitously raises money
1. when fund raiser is when platform initiates gratuitously to raise money, fund raiser first gets in touch with the project leader that raises money in platform.
Mesh responsible person entry evaluation fund raiser meets platform and raises money when requiring, and goes nearest platform to refer to according to the guidance of fund raiser's reality
Fixed hospital makes a definite diagnosis.After hospital makes a definite diagnosis successfully, project leader signs contract of raising money with fund raiser, develops and publishes deceptive information
Legal liabilities etc. clause.The project leader that raises money instructs fund raiser to initiate to raise money on platform again.Fill in raise money application when,
It needs first to fill in project code of raising money.Project code raise money by three groups of four characters, totally 12 character combinations form.Preceding four generations
Table is raised money project leader's number, and intermediate four represent the time, behind four be random secret key that platform provides.Random secret key is
It cannot reuse.It may insure the uniqueness of each project code in this way.And fund raiser must seek advice from raising for oneself
Money project leader can just obtain project code of raising money.Fund raiser can not unilaterally initiate to raise money in platform in this way.It raises
Money data is submitted after the completion of filling in, in platform background audit.It could be shown after the approval in platform.By this on-line off-line
The mode being combined ensures the authenticity of each project.
2. project one is reached the standard grade when raising money, platform sets up a rubricated account to fund raiser.The amount of money of raising money squeezes into this account at once
On family.Fund domination needs fund raiser, attending physician, project leader's joint consultation to dominate.It is practical after the completion of Case treatment
When the domination amount of money also has compared with multiresidue.It can negotiate residual amount retracting platform with fund raiser.The amount of money platform retracted is from last
One contribution is always toward backtracking.The money that fund raiser retracts is returned in contributor's account.The money contributor retracted can be donated to
Sundry item.
3. platform to fund raiser beat money to allocate a fund for its specified purpose account while carry out project financing running.Raising money the period can basis
Actual conditions establishing time (for example raising money one month time), within the time of raising money highest can raise money the amount of money 110% (ratio
Ten thousand) 200,000 platform of the amount of money of such as raising money can raise 22, achieve the goal the amount of money or reach raise money the period after close and raise money channel.
Mesh terminates.
(3) paid contribution
Each user can select to contribute money with compensation in the user of platform registration and real-name authentication.The amount of money contributed money with compensation
The personal user that platform will be accumulated at is contributed money with compensation inside total value.When (parentchild is matched by contributor oneself and lineal relative
It is even) it needs when platform initiation is raised money, the paid contribution total value that user adds up in platform can be given to contribution together with the amount of money of raising money
People.If contributor and relatives did not initiate to raise money, accumulative paid contribution total value can be when contributor be 60 years old full one
Secondary property is given to contributor's account.
(4) free contribution
Each user can select gratuitously to contribute money in platform registration (not requiring real-name authentication).Gratuitously contribute money
Full amount can be also shown on personal account.But not return to contributor.
(5) platform risk control
Each project of raising money initiated in platform, platform once reach the standard grade and all can first raise money the amount of money to fund raiser.Platform meeting
It arrives there are the amount of money that two 1. projects of risk are raised the amount of money of raising money of project settings.2. the amount of money raised money with compensation need by
The money raised returns to contributor.The refund if fund raiser does not honour an agreement on time.Platform will fill up this vacancy.
For first risk, platform analyzes the contribution amount of money total value of every month every day by big data, obtains
One period platform can be absorbed into how many contribution amounts.It is total that the project of raising money reached the standard grade is controlled according to the data platform obtained
Number.Risk control in floor level.
For second risk, 1. platforms can formulate an exemption clause.The refund if fund raiser does not honour an agreement finally, or
The amount of money of raising money is not achieved in person's repayment amount.Barbed portion, which translates into, gratuitously raises money.The part gratuitously raised money need not be returned to
Contributor.2. platform can organize love enterprise to provide working opportunity to fund raiser.Project leader can keep close with fund raiser
Contact.Fund raiser's economic conditions are grasped strictly according to the facts.It provides to help such as to introduce when necessary and removes love enterprise work etc..To fund raiser
There is provided sources of finance of some stabilizations, it is ensured that finally by about refunding.
Embodiment：
Case explanation:Liver cancer is found in Mr. Wang physical examination, the contact platform customer service of wechat public platform is raised by living again, platform
The hospital that staff instructs Mr. Wang that nearest platform is gone to approve makes a definite diagnosis, and the state of an illness makes a definite diagnosis rear staff and instructs how Wang Sheng goes
Initiation raises money and needs to fill in the information of staff (project leader).Completion is all filled in submit.After background audit passes through
It could be shown on platform.
Assume initially that Mr. Wang selection is the amount of money 200,000 of raising money with compensation.Project can be synchronized to after platform is reached the standard grade
One specified account of Mr. Wang, 200,000 are placed in account and allocate a fund for its specified purpose.Fund is paid by fund raiser, hospital, project leader
Negotiate to dominate together.Platform (such as one month) highest within the designated time can raise money the 120% of the amount of money, be exactly 240,000.
Start to refund after before Mr. Wang arranging 1 year, 4167 yuan are monthly gone back in 4 years until paying off 200,000.It can thus keep away
Exempt to cannot take out so much money quickly when serious disease arriving and cure the disease finally to delay the state of an illness.When can pay by instalments but also can delay
Between.Greatly alleviate the economic pressures of fund raiser.Platform raise 240,000 yuan is last all can be when contributor reaches condition (contributor
Oneself needs to raise money with relatives or contributor is over threescore) it is all given in contribution human hand.
The second situation.Assuming that Mr. Wang household economy is in bad order not to have loan repayment capacity.It can apply gratuitously raising money.
Mesh can be synchronized to one specified account of Mr. Wang after platform is reached the standard grade, and 200,000 are placed in account and allocate a fund for its specified purpose.Fund expenditure by
Fund raiser, hospital, project leader negotiate to dominate together.Platform (such as one month) highest within the designated time, which can raise, raises money
The 110% of the amount of money is exactly 220,000.Mr. Wang need not also raise money the amount of money 200,000.Contributor can only select gratuitously to contribute money when contributing money.
The money of contributor will not be returned to contributor by platform.
The third situation.Mr. Li is registration real-name authentication user.Accumulation contribution reaches 5,000 pieces, wherein paid contribution has
4000 pieces.The wife of later Mr. Li suffers from cancer and raises money 100,000 pieces in platform application.Apply for that successfully rear platform will can with compensation contribute money
4000 yuan are given to fund raiser Mr. Li together with 100,000 pieces.If Mr. Li and relatives do not cross in platform application and raise
Money.Disposably it can be given to Mr. Li by 4,000 pieces when Mr. Li is over threescore.The love that Mr. Li pays is allowed to be returned.
Every technical solution for belonging to the principle of the invention all belongs to the scope of protection of the present invention.For those skilled in the art
For member, several improvement carried out without departing from the principles of the present invention, these improvement also should be regarded as the guarantor of the present invention
Protect range.
Claims (10)
1. a kind of serious disease crowd raises platform, which is characterized in that it includes registration module, user log-in authentication module, letter that the crowd, which raises platform,
Breath release module, fund procurement module, crowd raise information logging modle, management module；The management module respectively with the registration
Module, user log-in authentication module, information issuing module, fund procurement module, crowd raise information logging modle connection；Wherein, institute
Amount of the fund of the fund procurement module for filling in needs is stated, and binds crowd and raises account；The crowd raises information logging modle to
The amount of money raised through crowd is recorded；The fund that the management module launches many persons of raising is integrated；The crowd raises information record
Module is used to record the personal information of contributor, launches the amount of money and launch fund account.
2. a kind of serious disease crowd according to claim 1 raises platform, which is characterized in that described information release module is equipped with and raises money
Project code, the project code of raising money are made of three groups of four characters, totally 12 characters, and first four represent project of raising money and are responsible for
People numbers, and intermediate four represent the time, before 8 generated for system, behind four be random secret key.
3. a kind of serious disease crowd according to claim 2 raises platform, which is characterized in that the random secret key raises platform by crowd
Project work personnel obtain.
4. a kind of serious disease crowd raises method, which is characterized in that user crowd raise platform registration and by user log-in authentication module into
There is equity to carry out gratuitously contribution, paid contribution and application crowd after row real-name authentication to raise, can not be by real-name authentication can only be into
The free contribution of row.
5. a kind of serious disease crowd according to claim 4 raises method, which is characterized in that when selection is contributed money with compensation, platform will be contributed
The money amount of money stays in platform personal account, when contributor oneself and lineal relative need to raise money, gold that platform will be contributed money with compensation
The crowd that volume squeezes into contributor raises account.
6. a kind of serious disease crowd according to claim 4 raises method, which is characterized in that when selection is contributed money with compensation, work as contributor
When 60 years old, the amount of money of contribution is disposably retracted to the bank account of contributor.
7. a kind of serious disease crowd according to claim 4 raises method, which is characterized in that when selection application crowd raises, platform will be right
The information of fund raiser is verified, and after hospital makes a definite diagnosis, fund raiser selects publication gratuitously to raise money or raise money with compensation.
8. a kind of serious disease crowd according to claim 7 raises method, which is characterized in that when selection is gratuitously raised money, to what is raised money
It is to raise money the 110% of total amount that fund, which is defined the upper limit, and when reaching target, the project of raising money terminates at this time.
9. a kind of serious disease crowd according to claim 7 raises method, which is characterized in that when selection is raised money with compensation, to what is raised money
It is to raise money the 120% of total amount that fund, which is defined the upper limit, and agreement fund raiser refunds time and mode of repayment, reaches target
When, the project of raising money terminates at this time.
10. raising method according to a kind of any serious disease crowds of claim 7-9, which is characterized in that it further includes putting down that crowd, which raises platform,
Typhoon danger control module, when being raised money with compensation, raising money for project settings, which is not achieved, in the amount of money that project is raised the amount of money or raises
Money people does not honour an agreement finally refund, and barbed portion, which translates into, gratuitously raises money.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810022575.1A CN108446920A (en) | 2018-01-10 | 2018-01-10 | A kind of serious disease crowd raises platform and crowd raises method |
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| CN201810022575.1A CN108446920A (en) | 2018-01-10 | 2018-01-10 | A kind of serious disease crowd raises platform and crowd raises method |
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| CN108446920A true CN108446920A (en) | 2018-08-24 |
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| CN109934717A (en) * | 2019-02-19 | 2019-06-25 | 五邑大学 | A kind of crowd based on distributed structure/architecture raises plateform system and its method |
| CN110490704A (en) * | 2019-08-13 | 2019-11-22 | 蚌埠聚本电子商务产业园有限公司 | A kind of charitable method and system of public good based on e-commerce |
| CN110738572A (en) * | 2019-09-08 | 2020-01-31 | 复旦大学 | public recruitment charity fund operation system based on block chain and use method |
| CN111915109A (en) * | 2019-05-07 | 2020-11-10 | 北京水滴互保科技有限公司 | Medical financing device, system and method |
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