CN109034995A - The method and apparatus for carrying out finance activities using Internet service platform - Google Patents
The method and apparatus for carrying out finance activities using Internet service platform Download PDFInfo
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- CN109034995A CN109034995A CN201710428745.1A CN201710428745A CN109034995A CN 109034995 A CN109034995 A CN 109034995A CN 201710428745 A CN201710428745 A CN 201710428745A CN 109034995 A CN109034995 A CN 109034995A
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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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- Y04S10/00—Systems supporting electrical power generation, transmission or distribution
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Abstract
The invention discloses the methods for carrying out finance activities using Internet service platform, including being communicated with grid service device, personal homepage is established on Internet service platform, personal homepage includes member's homepage associated with power consumer, and the credit grade information of power consumer is determined according to ammeter information；Financial platform is established or is associated on personal homepage; financial platform carries out finance activities between at least two people's homepages, and promise breaking information is then recorded and shown on the personal homepage of delinquent party after promise breaking and carries out promise breaking punishment to the personal homepage of promise breaking or issues the promise breaking power down request of corresponding power consumer to grid service device；One personal homepage can access the member's mark, credit grade information and promise breaking information of another person's homepage and accessed personal homepage of reading according to the response of access request and another person's homepage.The present invention associates grid service device with financial platform, increases both sides' confidence level of finance activities, and can effectively be punished delinquent party.
Description
Technical field
The present invention relates to a kind of finance activities method more particularly to it is a kind of utilize Internet service platform carry out finance activities
Method, apparatus and corresponding readable storage medium storing program for executing.
Background technique
Currently, the internet loan profile in China is very chaotic, the rate of violation that net borrows platform is high, occurs to intensive
The event that P2P Wang Dai company closes down and runs away, this brings great loss to the lender in China.Why will appear so high
Rate of violation, main reason is that net borrow platform can not the credit to creditor carry out deep credit evaluation, without guaranty,
The punitive measures that net borrows defaulter can effectively be sanctioned by lacking one.The promise breaking case of some small amounts, since victim considers
It goes to defaulter locality to demand cheated fund, needs travel allowance, the expenses such as attorney fee, court cost, cost is often than being deceived the amount of money also
Height, therefore many small amount nets borrow victim and often abandon recourse right.Since such case is too many, handle a case at high cost, manpower
Few, some law enforcement agencies provide that 2000 yuan of fraud cases below are not put on record.Therefore, find one it is new can be to the credit of creditor
It is assessed, Wang Dai guarantee corporation is allowed very can be important to the loan mode that defaulter is punished.
Furthermore it is borrowed due to net and is difficult to carry out going deep into borrower credit evaluation, creditor is also difficult to provide guaranty, provides
Guaranty also has the problem of a hard execution.Therefore the only some people that net borrows benefit can be enjoyed, is greatly applied
The people that net is borrowed is rejected.It is very intentional that searching one can allow most people all to enjoy the convenient loan mode of low interest net loan
Justice.
Furthermore the current electric car in China is rising, there is each big small enterprise's group participation charging pile operation
Phenomenon.Since a charging mode respectively does in each enterprise, the stored value card for carrying more charging companies so that car owner has to,
The all receptible Payment Card of each charging company can be allowed and new network payment mode is very much important by finding one.Because all
The user of the electronic Zhu Chedoushi power supply company of charging pile and the overwhelming majority, all there is account trading dealings with power supply company
Relationship, this relationship can be utilized, and establish one between user and power supply company by the settlement platform of associated companies,
Payment platform between user and user.
Furthermore the power supply company in China such as national grid and two company of south electric network are all monopoly enterprises, possess one
The customers of a billions of meters, have grasped the ammeter data of more than ten hundred million people, and power supply company is used by ammeter quantity, location
Electricity is recognized that the house property value of each user.Power supply company has grasped the account of each power consumer, has and customer transaction
Paying platform, have the method for being punished promise breaking user (as power off), understand the assets of client, possess and the defaulter is implemented
The means of punishment, these are all that net borrows platform and the desired and unavailable valuable source of electric business platform.Power supply company can use
Get up, provides credit evaluation for user, net borrows small amount debit and credit guarantee, the business such as discount.Power supply company itself may be oneself
User the financial service of small amount network is provided, make a short-term loan on money from bank, then lend to user, backspread.Oneself can also be established
P2P platform, for society debtor and creditor the financial service for most having safety guarantee is provided.
Summary of the invention
The object of the present invention is to provide a kind of method and apparatus for carrying out finance activities using Internet service platform, can be right
User provides the financial service of safety guarantee, and increases both sides' confidence level of finance activities.
It is a further object of the present invention to provide a kind of computer readable storage medium, it is stored with and executes described utilize mutually
The Internet services platform carries out the computer program of the method for finance activities.
Upper purposeful in order to realize, the invention discloses a kind of sides that finance activities is carried out using Internet service platform
Method is stored with the user information and the corresponding ammeter information of power consumer of power consumer in the grid service device of grid company,
It is described using Internet service platform carry out finance activities method the following steps are included: the Internet service platform with it is described
The communication of grid service device；Establish personal homepage on the Internet service platform, the personal homepage include member's homepage with
Non-member's homepage, shows corresponding member's mark on member's homepage, and member's homepage is related to the power consumer
Connection；It is established on the personal homepage or is associated with financial platform, the financial platform carries out gold between at least two people's homepages
Melt activity, the finance activities includes payment, debt-credit, financing, deposit and/or guarantee；Obtain user's letter of the power consumer
Breath and ammeter information, show the user information and ammeter information of the power consumer on member's homepage；According to described in
Ammeter information determines the credit grade and/or credit value of the power consumer, to generate credit grade information, in the member master
The credit grade information is shown on page；The order that logs according to client terminal allows the client terminal to log in corresponding individual
Homepage；According to the access request for the client terminal input for logging in personal homepage, the client terminal is allowed to access another person master
Member's mark of page and accessed personal homepage of reading, credit grade information and promise breaking information；Receive to carry out a of finance activities
The promise breaking confirmation request information that people's homepage is sent, whether the verification promise breaking confirmation request information is true, remembers if establishment of breaking a contract
Record promise breaking information, and carry out promise breaking punishment to the personal homepage of promise breaking or issue corresponding electric power to the grid service device to use
The promise breaking information is sent to corresponding personal homepage so that the personal homepage shows described disobey by the promise breaking power down request at family
About information.
Compared with prior art, the present invention is put down the grid service device of grid company with finance by Internet service platform
Platform associates, so that financial platform can share the credit information of power consumer in grid service device, comprising: ammeter data is paid
Electricity charge information of receiving includes even house property information, increases both sides' confidence level of finance activities.Especially when the user of personal homepage is electricity
When power user, which carries out finance activities in financial platform, it is easier to be trusted.Secondly, working as the one of finance activities
Side is power consumer, and when user promise breaking, financial platform can be carried out with power power consumer by the permission of grid company
The punishment of degree, such as power-off punishment, to provide the financial service of safety guarantee to user.
Preferably, the step of establishing personal homepage includes: the client terminal of the Internet service platform of accepting the interview
The log-in command of input and the identity information of user, audit the identity information, establish one and the use if if auditing
The associated personal homepage in family, if the identity information is the user information of power consumer, the personal homepage is member master
Page.
Specifically, the step of auditing the identity information includes: that the log-in command and identity information are sent a service
Terminal receives the commands in return that the service terminal is sent, if the commands in return is to determine log-in command, audit passes through.
Specifically, the log-in command includes member registration order, non-member's log-in command and is affiliated to log-in command, is established
The step of personal homepage include: accept the interview the Internet service platform a client terminal input member registration order with
And the identity information of user, audit the identity information whether be power consumer user information, if audit pass through if establish one
Member's homepage associated with the power consumer；Accept the interview the Internet service platform a client terminal input it is non-
The identity information of member registration order and user audit whether the identity information is legal real name user, if audit passes through
Then establish non-member's homepage associated with the user；The client terminal for receiving the access Internet service platform is defeated
The user information of the power consumer being affiliated to log-in command, being affiliated to entered and the identity information of user, audit the user's
Whether identity information is legitimate user, is affiliated to request to the transmission of the member's homepage for the power consumer being affiliated to if if auditing,
Agree to reply according to the request of member's homepage being affiliated to and establishes and the user and be affiliated to the associated extension of member's homepage
By homepage.
More specifically, the financial platform is borrowed or lent money in described be affiliated between homepage and other at least one people's homepages
When, consultation information is sent to the member's homepage being affiliated to, and the approval information replied according to member's homepage state being affiliated to master
Debt-credit between page and other described at least one people's homepages.
Specifically, the personal homepage can also be attached homepage, and the log-in command further includes attached log-in command, is built
The step of founding attached homepage includes: that Internet service platform receives the client terminal input for accessing the Internet service platform
Attached log-in command, the user information for the power consumer being attached and the identity information of user, audit the body of the user
Whether part information is legitimate user, sends Attach Request to the member's homepage for the power consumer being attached if if auditing, according to
Agree to reply according to the request for the member's homepage being attached and establish and the user and to be attached member's homepage associated attached
Homepage.
More specifically, attached homepage, when carrying out loan activity in financial platform, Internet service platform sends consulting letter
The breath approval information that perhaps verification information to member's homepage that the member's homepage foundation being attached is attached is replied or attached master
The verification information that page is replied enjoys the credit grade and/or credit value for the member's homepage being attached.
Preferably, the step of checking the promise breaking confirmation request information includes: that judgement sends the promise breaking confirmation request
Personal homepage information and the promise breaking determine whether request meets the treaty pre-set, and promise breaking confirmation is issued if meeting
It orders to a service terminal, and sends to accept one's fate order confirmation really or reject the promise breaking request according to the service terminal and believe
Breath.
Preferably, the method for carrying out finance activities using Internet service platform further include: built on the personal homepage
Vertical accommodation platform, the accommodation platform communicate, race and/or trade between at least two people's homepages, and the life is flat
Platform includes dating site, insurance platform, purchases by group platform, advertisement pushing platform, real name booking platform, roof solar power plant construction
It subsidizes platform, paying platform, electronic game platform and/or tourist visa and assures platform.
Preferably, the method for carrying out finance activities using Internet service platform further include: according to login personal homepage
The association request of client terminal input, a book keeping operation consumption card of grid company distribution is associated with the personal homepage, if institute
Stating personal homepage is member's homepage, then by the ammeter account of book keeping operation consumption card power consumer corresponding with member's homepage
Association, and by the electricity charge of the ammeter account and it is described book keeping operation consumption card consumption Pay for Items.
Preferably, the method for carrying out finance activities using Internet service platform further include: receive to log in described personal main
The credit grade adjustment request that the client terminal of page is sent, is sent to service terminal for the credit grade adjustment request, and connect
The level adjustment sent by the service terminal confirms order, confirms that order adjusts the personal homepage according to the level adjustment
Credit grade.
Wherein " promise breaking information is recorded if establishment of breaking a contract and carries out promise breaking punishment, or record to the personal homepage of promise breaking
Promise breaking information simultaneously issues the promise breaking power down request of corresponding power consumer to the grid service device " if the step of include: promise breaking
Establishment then records the promise breaking information, determines the promise breaking grade according to the promise breaking information, according to the promise breaking grade to separated
Personal homepage about carries out corresponding promise breaking punishment, or the promise breaking for issuing corresponding power consumer to the grid service device is disconnected
Electricity request.
The invention also discloses a kind of devices established and have Internet service platform, comprising:
One or more processors；
Memory；
One or more programs wherein one or more of programs are stored in the memory, and are configured
It is executed at by one or more of processors, described program includes that interconnection is utilized as described in claim 1-10 for executing
Net service platform carries out the instruction of the method for finance activities.
It include the computer being used in combination with electronic equipment the invention also discloses a kind of computer readable storage medium
Program, the computer program can be executed by processor to complete the above-mentioned side for carrying out finance activities using Internet service platform
Method.
Detailed description of the invention
Fig. 1 is the structural schematic diagram of Internet service platform of the present invention.
Fig. 2 is the structural schematic diagram of Internet service platform described in another embodiment of the present invention.
Fig. 3 is the flow chart that the present invention establishes personal homepage on the Internet service platform.
Specific embodiment
In order to describe the technical content, the structural feature, the achieved object and the effect of this invention in detail, below in conjunction with embodiment
And attached drawing is cooperated to be explained in detail.
The invention discloses a kind of devices established and have Internet service platform, including one or more processors, storage
Device, one or more programs, wherein one or more of programs are stored in the memory, and are configured to by institute
One or more processors execution is stated, described program includes for executing the side for carrying out finance activities using Internet service platform
The instruction of method.
With reference to Fig. 1, the Internet service platform 100 and the grid service device 200 of the grid company are communicated, and
Service terminal 300 and client terminal 400 may make to access Internet service platform 100.Wherein, the grid service device of grid company
The user information and the corresponding ammeter information of power consumer of power consumer are stored in 200.The user information includes opening an account
People's name, address, ID card No., the ammeter information include ammeter number, ammeter position, ammeter moon electricity consumption, add up in year
Electricity consumption, withholds account at promise breaking record.
The method for carrying out finance activities using Internet service platform, comprising the following steps:
(1) the Internet service platform and the grid service device communicate.
(2) personal homepage 11 is established on the Internet service platform；Wherein, the personal homepage 11 includes member master
Page and non-member's homepage show corresponding member's mark, member's homepage and the power consumer on member's homepage
It is associated.
(3) financial platform 12 is established or is associated on the personal homepage 11.Wherein, the financial platform 12 is at least two
Finance activities is carried out between personal homepage 11, the finance activities includes payment, debt-credit, financing, deposit and/or guarantee.Finance
Platform 12 voluntarily can establish (as shown in Figure 1) by Internet service platform 100, or existing financial platform 12 in the market
(as shown in Figure 2).
(4) user information and ammeter information for obtaining the power consumer, show on corresponding member's homepage
The user information and ammeter information of the power consumer.
(5) credit grade and/or credit value of the power consumer are determined, according to the ammeter information to generate credit etc.
Grade information, shows the credit grade information on member's homepage.
(6) client terminal is allowed to log in corresponding personal homepage 11 according to the order that logs in of client terminal.
(7) access request according to the client terminal input for logging in personal homepage 11 allows the client terminal access another
Member's mark of one personal homepage 11 and accessed personal homepage 11 of reading, credit grade information and promise breaking information.
(8) receive to carry out the promise breaking confirmation request information that the personal homepage 11 of finance activities is sent, it is true to check the promise breaking
Whether true recognize solicited message, records promise breaking information if establishment of breaking a contract, and carry out promise breaking punishment to the personal homepage of promise breaking 11
Or the promise breaking power down request of corresponding power consumer is issued to the grid service device, the promise breaking information is sent to correspondence
Personal homepage 11 so that the personal homepage 11 shows the promise breaking information.
With reference to Fig. 3, the step of establishing personal homepage 11 in the step (2) includes: that (21) accept the interview the internet
The identity letter is audited in the log-in command of a client terminal 400 input of service platform 100 and the identity information of user, (22)
Breath, if audit pass through if (23) establish a personal homepage 11 associated with the user, if audit failure (24) is to described
Client terminal 400 issues registration failure notice.Wherein, described if the identity information of user is the user information of power consumer
Personal homepage 11 is member's homepage.Wherein, non-member's homepage can be being initially set up, then after logging in personal homepage 11, input
Relevant power consumer identity information and member's home page request, wherein subscriber identity information includes the information such as subscriber phone, interconnection
Net service platform receives the identity information and member's homepage for logging in the power consumer of a client terminal 400 input of personal homepage 11
Request, audits the identity information of the power consumer, by the personal homepage 11 and the power consumer phase if audit passes through
Association, at this point, the personal homepage 11 is member's homepage.
Wherein, the step of auditing the identity information includes: that the log-in command and identity information are sent a service eventually
End 300 receives the commands in return that the service terminal 300 is sent, if the commands in return is to determine log-in command, audit is logical
It crosses.Service terminal 300 is the terminal for logging in management system in Internet service platform 100.
Specifically, it can be associated with personal homepage 11 and power consumer after succeeding in registration, so that personal homepage 11 is meeting
Member's homepage can also register corresponding member's homepage in registration, the specific steps of which are as follows: the log-in command includes member's note
Volume order, non-member's log-in command and the step of being affiliated to log-in command, establishing personal homepage 11 include: Internet service platform
100 accept the interview the Internet service platform 100 client terminals 200 input non-member's log-in command and user
Identity information audits whether the identity information is legal real name user, and it is related to the user to establish one if audit passes through
Non-member's homepage of connection.Internet service platform 100 is accepted the interview a client terminal 200 of the Internet service platform 100
The member registration order of input and the identity information of user, audit the identity information whether be power consumer user letter
Breath establishes member's homepage associated with the power consumer if if auditing.Internet service platform 100 receives access
The user for the power consumer of a client terminal 200 input of the Internet service platform 100 being affiliated to log-in command, being affiliated to
The identity information of information and user, whether the identity information for auditing the user is legitimate user, to quilt if audit passes through
Request is affiliated in the member's homepage transmission for the power consumer being affiliated to, the request according to the member's homepage being affiliated to agree to reply establish and
The user and it is affiliated to that member's homepage is associated to be affiliated to homepage.
Wherein, the credit grade that non-member's homepage is not established according to ammeter data.But it can be same in member's homepage
In the case where meaning, the credit grade information of member's homepage is shared, so that the credit grade using member's homepage carries out loan work
It is dynamic, that is, enjoy the loan limit and guarantee amount of member's homepage, such as non-member's homepage is when a certain financial platform is provided a loan, it can be with
Apply for that a certain loan event shares the credit grade information of a certain member's homepage, Internet service to Internet service platform 100
This application is sent to corresponding member's homepage by platform 100, and receives the response message of member's homepage, if response message is same
Meaning then agrees to that the loan event uses the credit grade information of member's homepage, and corresponding shared confirmation message is sent
To the financial platform, the financial platform is made loans according to the credit grade of member's homepage, so that the loan
The loan limit and guarantee amount of member's homepage are enjoyed in event, if there is violation of agreement, the lending side in financial platform is (another
One personal homepage) promise breaking confirmation request information is sent to Internet service platform 100, Internet service platform 100 receive into
The row promise breaking confirmation request information, whether the verification promise breaking confirmation request information is true, records promise breaking if establishment of breaking a contract
Information, and carry out promise breaking punishment to the personal homepage of promise breaking and the member's homepage being shared or issued to the grid service device
The promise breaking information is sent to corresponding personal main by the promise breaking power down request for the corresponding power consumer of member's homepage being shared
Page is so that the personal homepage shows the promise breaking information.That is, being enjoyed the meeting of credit grade information if non-member's homepage is broken a contract
Member's homepage must be born by liability for breach of contract.
Certainly, it if the personal homepage 11 registered is non-member's homepage, can be inputted relevant after logging in non-member's homepage
Power consumer identity information and member's home page request, Internet service platform 100 receive the client end for logging in non-member's homepage
The identity information and member's home page request of the power consumer of 400 input of end, audit the identity information of the power consumer, if audit
By then that the personal homepage 11 is associated with the power consumer, at this point, the personal homepage 11 is member's homepage.It can also be
It after logging in non-member's homepage, inputs the power consumer being affiliated to and is affiliated to request, Internet service platform 100, which receives, logs in non-meeting
The power consumer being affiliated to and be affiliated to request, and the meeting to the power consumer being affiliated to that the client terminal 400 of member's homepage inputs
Request is affiliated in member's homepage transmission, the request according to the member's homepage being affiliated to agree to reply then by non-member's homepage with it is described
Being affiliated to member's homepage is associated, and non-member's homepage is to be affiliated to homepage at this time.
Wherein, the personal homepage 11 can also be attached homepage, and the log-in command further includes attached log-in command, is built
The step of founding attached homepage includes: that Internet service platform 100 receives the client end for accessing the Internet service platform 100
Attached log-in command, the user information for the power consumer being attached and the identity informations of user of 200 input of end, described in audit
Whether the identity information of user is legitimate user, attached to the transmission of the member's homepage for the power consumer being attached if if auditing
Request is agreed to reply and be established and the user and to be attached member's homepage associated according to the request of member's homepage being attached
Attached homepage.The client terminal 400 for logging in the member's homepage being attached can enter its attached homepage according to order is entered, and look into
See the user information, ammeter information and credit grade information of the attached homepage.Wherein, the attached homepage can be spouse and son
Woman's homepage.Wherein, the attached homepage can may be non-member's homepage for member's homepage.Wherein, attached homepage is in finance
When carrying out loan activity on platform 12, Internet service platform 100 sends consultation information to the member's homepage being attached, according to quilt
The approval information that attached member's homepage is replied enjoys the credit grade and/or credit value for the member's homepage being attached, and can enjoy
With the loan limit and guarantee amount of the member's homepage being attached.The specific steps are that: attached homepage is in corresponding financial platform
Loan application is issued to the corresponding personal homepage 11 of financial service subsidiary in 12, according to the corresponding personal homepage of financial service subsidiary
11 information replied carry out subsequent operation, if examination & approval disagree, return loan application to the attached homepage, if examination & approval are same
Meaning, then to the member's homepage being attached or the corresponding power consumer of member's homepage being attached (by mail or short message etc.
Deng) consultation information is sent, it is replied according to the member's homepage being attached or the corresponding power consumer of the member's homepage being attached
Information carries out corresponding loan operation or return loan application.Certainly, it is examined in the corresponding personal homepage 11 of financial service subsidiary
It criticizes after agreeing to, send two dimensional code to the member's homepage being attached or the corresponding power consumer of the member's homepage being attached or tests
Information is demonstrate,proved, the member's homepage being attached or the corresponding power consumer of member's homepage being attached can be by the two dimensional code or verifyings
Information is sent to the user of corresponding associate member, and Internet service platform 100 receives the two dimension of user's input of associate member
Code or verification information are operated with carrying out corresponding loan.
More specifically, the financial platform 12 it is described be affiliated between homepage and other at least one described personal homepages 11 into
When row debt-credit, consultation information is sent to the member's homepage being affiliated to, the approval information replied according to member's homepage is stated
The debt-credit being affiliated between homepage and other described at least one people's homepages 11.
In the present embodiment, the associate member refers to spouse and children lineal relative, is affiliated to member and refers to non-lineal parent
Belong to class.It certainly, can be without being limited thereto.
In the step (8), the step of checking the promise breaking confirmation request information includes: that judgement sends the promise breaking and confirms
11 information of personal homepage of request and the promise breaking determine whether request meets the treaty pre-set, issue if meeting
Promise breaking, which confirms, orders to a service terminal 300, and accept one's fate really order confirmation or rejection institute are sent according to the service terminal 300
State promise breaking solicited message.Wherein, solicited message of breaking a contract is divided into alert requests according to promise breaking grade, power failure is requested, deposit extraction is asked
Freeze request is sought or deposits, if request confirmation, will be given a warning according to alert requests to the personal homepage 11 of promise breaking (including
May be by limitation electricity consumption or the warning of power failure), power off notifying is sent to the personal homepage 11 of promise breaking according to request is had a power failure, to
The grid service device 200 issues the promise breaking power down request of corresponding power consumer, and the grid service device 200 is disconnected according to promise breaking
Electricity request stops the electricity consumption of the corresponding power consumer of the personal homepage 11.According to deposit extract request or deposit freeze request to
The associated associated bank of personal homepage 11 or deposit financial platform 12 issue corresponding deposit and extract request, the silver being associated
Row and deposit financial platform 12 can extract request or deposit freeze request for its cash in banks under one's name by force according to the deposit
Draw walk or freezing of funds.If promise breaking borrower actively holds consultation with company, refund in the method for installment reimbursement, then internet
Service platform 100 issues revocation power failure request instruction to corresponding executing subject and revocation deposit extracts request instruction, to make
Obtain the electricity consumption that grid service device 200 restores the corresponding power consumer of the personal homepage 11, the associated related silver of personal homepage 11
Row or deposit financial platform 12 can stop deposit and draw away or carry out deblocking of funds by force.
Preferably, the method for carrying out finance activities using Internet service platform further include: on the personal homepage 11
Accommodation platform 13 is established, the accommodation platform 13 communicates, races and/or trades between at least two people's homepages 11, institute
State accommodation platform 13 include dating site (i.e. real name introduction of marriage platform), insurance platform, purchase by group platform, advertisement pushing platform,
Real name booking platform, roof solar power plant construction subsidize platform, paying platform, electronic game platform and/or tourist visa load
It keeps tie platform.Wherein, the client terminal 400 for logging in personal homepage 11 can log in the electronic game platform and carry out game, Yi Ji
Communication, contest, transaction between at least two people's homepages 11.
Preferably, the method for carrying out finance activities using Internet service platform further include: according to login personal homepage 11
Client terminal input association request, by grid company distribution one book keeping operation consumption card it is associated with the personal homepage 11,
If the personal homepage 11 is member's homepage, by the electricity of book keeping operation consumption card power consumer corresponding with member's homepage
Table account association, and by the electricity charge of the ammeter account and it is described book keeping operation consumption card consumption Pay for Items.Wherein, the book keeping operation
Consumption card can be also used for overdraw shopping, and facility extent is determined by its corresponding credit grade of personal homepage 11 or credit value.
Certainly, establishing on the personal homepage 11 has a two dimensional code account, should if personal homepage 11 is member's homepage
The ammeter account of two dimensional code account power consumer corresponding with member's homepage is associated with, and by the electricity charge of the ammeter account with
The consumption Pay for Items of the book keeping operation consumption card.Wherein, the two dimensional code account can be also used for overdraw shopping, facility extent
It is determined by its corresponding credit grade of personal homepage 11 or credit value.
Preferably, the method for carrying out finance activities using Internet service platform further include: receive to log in described personal main
The credit grade adjustment request that the client terminal 400 of page 11 is sent, is sent to service terminal for the credit grade adjustment request
300, service terminal 300 input corresponding level adjustment confirmation order (including agree to adjustment or disagree adjustment or other
Adjustment is replied), Internet service platform 100 receives the level adjustment confirmation order that the service terminal 300 is sent, according to described in
Level adjustment confirmation order adjusts the credit grade of the personal homepage 11.
Wherein " promise breaking information is recorded if establishment of breaking a contract and is carried out to the personal homepage of promise breaking 11 separated in the step (8)
About punish, or record promise breaking information and the promise breaking power down request that corresponding power consumer is issued to the grid service device "
Step includes: to record the promise breaking information if establishment of breaking a contract, and the promise breaking grade is determined according to the promise breaking information, according to institute
It states promise breaking grade and carries out corresponding promise breaking punishment to the personal homepage 11 of promise breaking, or is corresponding to grid service device sending
The promise breaking power down request of power consumer.
The step (5) specifically includes: ammeter information includes ammeter quantity, each ammeter electricity consumption, total electricity consumption, ammeter
Land price, ammeter attribute positioned at location are business ammeters or civilian ammeter, ammeter enable the age, whether the electricity charge pay and break a contract,
The ammeter quantity of power consumer, each ammeter electricity consumption is how many, total electricity consumption is more by assessing for Internet service platform 100
Less, whether ammeter is located at location land price number to user, and ammeter attribute is that business ammeter or civilian ammeter, ammeter enable the age,
The electricity charge pay whether break a contract to calculate the credit grade of power consumer and/or credit value.Its ammeter information is put down by Internet service
Platform 100 extracts in the power consumer personal information library that grid service device 200 stores, the credit grade and/or letter being calculated
It will be automatically pushed on the personal homepage 11 of power consumer with value.Financial platform 12 is in the data of credit grade by changing
It calculates, generates a loan accrediting amount and consumption account card can facility extent.
Wherein, the financial platform 12 includes the Third-party payment platform for carrying out payment acquisition, payment platform, is borrowed
It borrows, manage money matters, assure movable loan platform, P2P platform, platform of managing money matters in short term, network loan guarantee platform, carry out deposit activities
The platform etc. that takes deposits.
The payment platform can be the payment platform of charging pile company and electronic car owner.Charging pile company and electronic car owner are
It is the power consumer of power supply company, all there is one's own member's homepage, electronic car owner on Internet service platform 100
The corresponding ammeter of member's homepage can be electric vehicle battery, charging pile can build with car owner by Internet service platform 100
Vertical payment relationship.
Wherein, the financial platform 12 borrowed or lent money can carry out debit and credit guarantee for any two members homepage, and both sides are in internet
It signs in the guarantee agreement that service platform 100 provides, and pays Guarantee fee, guarantee agreement regulation to Internet service platform 100
It can be the promise breaking punishment accordingly of Internet service platform 100, Internet service by guarantee side if borrower's promise breaking is not refunded
There are agreement in platform 100 and grid company or bank, and grid company can carry out limitation electricity consumption according to corresponding request, take off by force
The means such as cash in banks punish delinquent party, and delinquent party is forced to stop promise breaking.In this way, the net of this mode is made to borrow what existing net was borrowed
Inexpensive and efficient and convenient advantage, and be extremely secure.
Each member's homepage has a credit grade perhaps its credit grade of credit value or the corresponding letter of credit value
It can apply providing a loan to corresponding financial platform 12, such as when member's homepage carries out loan activity in financial platform 12 with amount
Fruit application volume is no more than the accrediting amount, and application automatically generates, and fund is squeezed into the associated account of member's homepage by financial platform 12
In (as book keeping operation consumption card and/or two dimensional code account).If applying for that the amount of the loan is more than the accrediting amount, service terminal is examined
Batch, financial platform 12 carries out corresponding loan activity according to the result of examination & approval.If member's homepage is broken a contract, financial platform 12
Loaning bill Fang Ze can issue promise breaking confirmation request information to Internet service platform 100, to carry out corresponding promise breaking punishment.
It needs in a certain power consumer when borrowing money on network, P2P net of the power consumer on member's homepage borrows platform
(can certainly be other financial platforms 12) issues loan application to the corresponding personal homepage 11 of a certain Wang Dai company, and net is borrowed public
It takes charge of corresponding personal homepage 11 and is asked by the Internet service platform 100 to the sending access of member's homepage of the power consumer
It asks, the access request that the corresponding personal homepage 11 of Wang Dai company issues is forwarded to power consumer by Internet service platform 100
Member's homepage, and member's homepage acknowledgement command of the power consumer is received, if acknowledgement command can be promised to enter, the net is borrowed public
Corresponding personal homepage 11 is taken charge of to access member's homepage of power consumer and inquire the subscriber data of its power consumer, credit grade,
Wherein subscriber data includes the native place of power consumer, house property information.Certainly, the Wang Dai company is receiving power consumer hair
Out after loan application, good friend's request can be issued to member's homepage of the power consumer, Internet service platform 100 receives described
Good friend requests and sends it to member's homepage of the power consumer, and the agreement for receiving member's homepage reply of the power consumer is asked
It asks, is established between the corresponding personal homepage 11 of member's homepage of the power consumer and Wang Dai company according to agreement request
Good friend's association, at this point, the corresponding personal homepage 11 of Wang Dai company has the authorization of member's homepage of access power consumer, internet
The member for entering request and entering the power consumer that service platform 100 can be issued according to the corresponding personal homepage 11 of Wang Dai company
Homepage simultaneously inquires the subscriber data of its power consumer, credit grade, and wherein subscriber data includes the native place of power consumer, house property letter
Breath.If Wang Dai company agrees to that loan application, the corresponding personal homepage 11 of Wang Dai company issue loan examination & approval approval command, internet
Service platform 100 receives the loan examination & approval approval command, and receives the electric power according to loan examination & approval approval command and use
The vouch-for request that the corresponding personal homepage 11 of member's homepage at family and Wang Dai company issues, and the vouch-for request is sent to net
It borrows guarantee platform (can certainly be other financial platforms 12) application Internet service platform 100 and (is also possible to another person
The financing corporation of the perhaps power supply company of homepage 11) guarantee warp and guarantee side (Internet service platform 100 or another person
The financing corporation of homepage 11 or power supply company) guarantee contract is signed, guarantee side is agreed to after assuring, pays guarantee to guarantee side
Take, guarantee side borrows guarantee platform and issue after receiving Guarantee fee to net agrees to guarantee order, and net borrows guarantee platform according to guarantee
The agreement guarantee that the corresponding personal homepage 11 in side issues, which is ordered, establishes guarantee services, and borrows platform to P2P net and issue guarantee completion
It notifies, the guarantee completion notice is sent to public by member's homepage of the power consumer of guarantee side and net loan by P2P net loan platform
It takes charge of corresponding personal homepage 11 and establishes debt-credit service.
Wherein, dating site can establish good friend's association between at least two personal homepages 11, and the dating site is also
Communication channel is established establishing between associated any two personal homepage 11 of good friend, establishes the associated personal homepage 11 of good friend
Access request can be sent to the dating site, the dating site is audited according to the access request issues the personal main of request
Access level of the page 11 in requested personal homepage 11, if access level is more than or equal to the pre- of requested personal homepage 11
If access level, then the dating site receives the access request, so that the personal homepage 11 for issuing request enters quilt
The personal homepage 11 of request, to check the subscriber data of other side, ammeter information and credit grade information.Once other side cheats intentionally
It deceives, the identity that can also ammeter number is borrowed to find cheat.Dating site can also according to a personal homepage 11 communication request and by
The response of the personal homepage 11 of request establishes communication channel between two personal homepages 11.
It include the computer being used in combination with electronic equipment the invention also discloses a kind of computer readable storage medium
Program, the computer program can be executed by processor to complete the above-mentioned side for carrying out finance activities using Internet service platform
Method.
To sum up, one, the present invention solves net and borrows P2P platform such as can not carry out the weakness of assets assessment to borrower, solve
Net borrows platform such as P2P loan platform and is encountering bad borrower's malice promise breaking powerless problem for applying to it punishment, this hair
Once bright implemented, it is expected to terminate to net the trouble waters for borrowing market at present, ensures the interests of investor.Two, the present invention is electricity
Power user provides the mode monthly settled accounts after first consuming, and provides one for electronic car owner and leads between power consumer member
Cross the mode of member's account online payment.Three, the present invention provides one for online friends especially matchmakers network member and checks other side
The network social intercourse net of non-system of real name is become system of real name, cheat is made to be difficult to cheat matchmaking service by the method for identity and family's fixed assets
Member.Four, allow user that can see the electricity consumption of oneself each ammeter and situation of paying dues in the personal homepage 11 of oneself, it can be with
It pays tariff in the personal homepage 11 of oneself, province goes to the trouble that bank or business office of power supply company pay dues.Five, Utilities Electric Co. can
Comprehensive internet+service is provided with the customers for oneself, be transformed into internet service provider and is obtained whereby is huge mutual
The Internet services income.
The above disclosure is only a preferred embodiment of the invention, cannot limit the right of the present invention with this certainly
Range, therefore according to equivalent variations made by scope of the present invention patent, it is still within the scope of the present invention.
Claims (14)
1. a kind of method for carrying out finance activities using Internet service platform, is stored with electricity in the grid service device of grid company
The corresponding ammeter information of user information and power consumer of power user, it is characterised in that: the following steps are included:
The Internet service platform and the grid service device communicate；
Establish personal homepage on the Internet service platform, the personal homepage includes member's homepage and non-member's homepage,
Corresponding member's mark is shown on member's homepage, member's homepage is associated with the power consumer；
It is established on the personal homepage or is associated with financial platform, the financial platform carries out gold between at least two people's homepages
Melt activity, the finance activities includes payment, debt-credit, financing, deposit and/or guarantee；
The user information and ammeter information for obtaining the power consumer show the power consumer on member's homepage
User information and ammeter information；
The credit grade and/or credit value of the power consumer are determined according to the ammeter information, to generate credit grade information,
The credit grade information is shown on member's homepage；
The order that logs according to client terminal allows the client terminal to log in corresponding personal homepage；
According to the access request for the client terminal input for logging in personal homepage, the client terminal is allowed to access another person's homepage
And member's mark, credit grade information and the promise breaking information for accessed personal homepage of reading；
Receive to carry out the promise breaking confirmation request information that the personal homepage of finance activities is sent, checks the promise breaking confirmation request information
It is whether true, if break a contract set up if record promise breaking information, and to the personal homepage of promise breaking carry out promise breaking punishment or to the electricity
Network server issues the promise breaking power down request of corresponding power consumer, by the promise breaking information be sent to corresponding personal homepage with
The personal homepage is set to show the promise breaking information.
2. the method as described in claim 1 for carrying out finance activities using Internet service platform, it is characterised in that: establish a
The step of people's homepage include: accept the interview the Internet service platform a client terminal input log-in command and user
Identity information, audit the identity information, if audit pass through if establish a personal homepage associated with the user, if institute
The user information that identity information is power consumer is stated, then the personal homepage is member's homepage.
3. the method as claimed in claim 2 for carrying out finance activities using Internet service platform, it is characterised in that: audit institute
The step of stating identity information includes: that the log-in command and identity information are sent a service terminal, receives the service terminal
The commands in return of transmission, if the commands in return is to determine log-in command, audit passes through.
4. the method as claimed in claim 2 for carrying out finance activities using Internet service platform, it is characterised in that: the note
Volume order includes member registration order, non-member's log-in command and is affiliated to log-in command,
The step of establishing personal homepage include:
Accept the interview the Internet service platform a client terminal input member registration order and user identity letter
Breath, audit the identity information whether be power consumer user information, if audit pass through if establish one and the power consumer
Associated member's homepage；
Accept the interview the Internet service platform a client terminal input non-member's log-in command and user identity
Information audits whether the identity information is legal real name user, and it is associated with the user to establish one if audit passes through
Non-member's homepage；
Receive the power consumer being affiliated to log-in command, being affiliated to for accessing the client terminal input of the Internet service platform
User information and user identity information, whether the identity information for auditing the user is legitimate user, if audit pass through
It then is affiliated to request to the transmission of the member's homepage for the power consumer being affiliated to, the request according to the member's homepage being affiliated to is agreed to reply
It establishes and the user and is affiliated to that member's homepage is associated to be affiliated to homepage.
5. the method as claimed in claim 4 for carrying out finance activities using Internet service platform, it is characterised in that: the gold
Melt platform it is described be affiliated to borrow or lend money between homepage and other at least one people's homepages when, send consultation information to being affiliated to
Member's homepage, the approval information according to member's homepage reply, which state, is affiliated to homepage and other described at least one people's homepages
Between debt-credit.
6. the method as described in claim 1 for carrying out finance activities using Internet service platform, it is characterised in that: verification institute
State promise breaking confirmation request information the step of include: judgement send it is described promise breaking confirmation request personal homepage information and it is described disobey
It about determines whether request meets the treaty pre-set, promise breaking confirmation is issued if meeting and is ordered to a service terminal, and according to
It is sent according to the service terminal and accepts one's fate order confirmation really or reject the promise breaking solicited message.
7. the method as described in claim 1 for carrying out finance activities using Internet service platform, it is characterised in that: also wrap
It includes: establishing accommodation platform on the personal homepage, the accommodation platform communicates between at least two people's homepages, races
And/or transaction, the accommodation platform includes dating site, insurance platform, to purchase by group platform, advertisement pushing platform, real name booking flat
Platform, roof solar power plant construction subsidize platform, paying platform, electronic game platform and/or tourist visa and assure platform.
8. the method as described in claim 1 for carrying out finance activities using Internet service platform, it is characterised in that: also wrap
It includes: according to the association request for the client terminal input for logging in personal homepage, by a book keeping operation consumption card of grid company distribution and institute
It is associated to state personal homepage, if the personal homepage is member's homepage, by the book keeping operation consumption card and member's homepage pair
The ammeter account for the power consumer answered is associated with, and the electricity charge of the ammeter account are merged knot with the consumption of the book keeping operation consumption card
It calculates.
9. the method as described in claim 1 for carrying out finance activities using Internet service platform, it is characterised in that: also wrap
It includes: receiving to log in the credit grade adjustment request that the client terminal of the personal homepage is sent, credit grade adjustment is asked
It asks and is sent to service terminal, and receive the level adjustment confirmation order that the service terminal is sent, it is true according to the level adjustment
Accept one's fate and enables the credit grade of the adjustment personal homepage.
10. the method as described in claim 1 for carrying out finance activities using Internet service platform, it is characterised in that: wherein
" if break a contract set up if record promise breaking information and carry out promise breaking punishment to the personal homepage of promise breaking, or record promise breaking information and to
The grid service device issues the promise breaking power down request of corresponding power consumer " the step of include: if break a contract set up if record institute
Promise breaking information is stated, determines the promise breaking grade according to the promise breaking information, according to the promise breaking personal homepage of the grade to promise breaking
Corresponding promise breaking punishment is carried out, or issues the promise breaking power down request of corresponding power consumer to the grid service device.
11. the method as claimed in claim 2 for carrying out finance activities using Internet service platform, it is characterised in that: described
The step of personal homepage can also be attached homepage, and the log-in command further includes attached log-in command, establishes attached homepage packet
Include: Internet service platform receives attached log-in command, the quilt for accessing the client terminal input of the Internet service platform
The user information of attached power consumer and the identity information of user, whether the identity information for auditing the user is legal use
Family sends Attach Request to the member's homepage for the power consumer being attached if if auditing, according to the member's homepage being attached
Request agree to reply and establish and the user and be attached the associated attached homepage of member's homepage.
12. the method as claimed in claim 11 for carrying out finance activities using Internet service platform, it is characterised in that: attached
For homepage when carrying out loan activity in financial platform, Internet service platform sends consultation information or verification information to being attached
Member's homepage, the verification information that the approval information or attached homepage replied according to member's homepage for being attached are replied enjoy by
The credit grade and/or credit value of attached member's homepage.
13. a kind of establish the device for having Internet service platform, it is characterised in that: include:
One or more processors；
Memory；
One or more programs, wherein one or more of programs are stored in the memory, and be configured to by
One or more of processors execute, and described program includes being taken as described in claim 1-12 using internet for executing
Business platform carries out the instruction of the method for finance activities.
14. a kind of computer readable storage medium, includes the computer program being used in combination with electronic equipment, feature exists
Can be executed by processor in: the computer program with complete to utilize as described in claim 1-12 Internet service platform into
The method of row finance activities.
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| CN201710428745.1A CN109034995A (en) | 2017-06-08 | 2017-06-08 | The method and apparatus for carrying out finance activities using Internet service platform |
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| CN201710428745.1A CN109034995A (en) | 2017-06-08 | 2017-06-08 | The method and apparatus for carrying out finance activities using Internet service platform |
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Cited By (1)
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Application publication date: 20181218 |