CN110047000A - Commodity transaction financing business model and equipment based on finance guarantee - Google Patents
Commodity transaction financing business model and equipment based on finance guarantee Download PDFInfo
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- CN110047000A CN110047000A CN201910235737.4A CN201910235737A CN110047000A CN 110047000 A CN110047000 A CN 110047000A CN 201910235737 A CN201910235737 A CN 201910235737A CN 110047000 A CN110047000 A CN 110047000A
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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 embodiment of the invention provides a kind of commodity transaction financing business models and equipment based on finance guarantee.Wherein, the business model includes: the merchandise news for obtaining consumer and selecting in Target Enterprise; commodity price is determined according to the merchandise news; and by the commodity price equivalent money accordingly; import the account of financial guarantee agency; predetermined ratio is pressed by the finance guarantee agency, and the part equivalent money is imported to the account of the Target Enterprise；The equivalent money is imported the account of the consumer by the Target Enterprise；Wherein, the financial guarantee agency bears obligation under bond to the equivalent money.Commodity transaction financing business model and equipment provided in an embodiment of the present invention based on finance guarantee, while Target Enterprise can be made to obtain financing by the fund that consumer buys commodity, so that consumer can also freely obtain commodity, the final two-win business model realizing Target Enterprise financing and consumer and freely consuming.
Description
Technical field
The present embodiments relate to commodity transaction and financing field more particularly to a kind of commodity transactions based on finance guarantee
Business model of financing and equipment.
Background technique
For most enterprises in business process, the money for buying commodity that consumer pays can only all pay enterprise at present
Industry, for consumers, from being not have a possibility that generating other increments in process of consumption, consumption is just only simple
Consumption；For enterprise, only by can just obtain keeping accounts for cash flow for after commodity selling, to obtain turnover money
Gold.This results in enterprise facing major reform and project, when needing substantial contribution chain, may face and lack of capital, but
Cargo but overstock can not fast transition be cash difficulty.Such situation is relatively conventional in the development construction of enterprise,
It as a result is exactly to cause enterprise development slow, competitiveness is not strong, misses some good development opportunities.Therefore, one how is explored
It can make consumer's rapid payment cash purchase commodity, while consumption added value can be obtained again, to enable the enterprise to shorten
Commodity press the storehouse period, as early as possible obtain cash flow business model, just at industry industry extensive concern the problem of.
Summary of the invention
In view of the above-mentioned problems existing in the prior art, the embodiment of the invention provides a kind of commodity friendships based on finance guarantee
Easily financing business model and equipment.
In a first aspect, the embodiment provides a kind of commodity transaction financing business model assured based on finance,
Include: the merchandise news for obtaining consumer and being selected in Target Enterprise, commodity price is determined according to the merchandise news, and will be described
Commodity price equivalent money accordingly, imports the account of financial guarantee agency, predetermined ratio is pressed by the finance guarantee agency, by portion
The account for dividing the equivalent money to import the Target Enterprise；The equivalent money is imported the consumption by the Target Enterprise
The account of person；Wherein, the financial guarantee agency bears obligation under bond to the equivalent money.
Further, the commodity price is lower than identical commodity price in the market.
Further, the commodity transaction financing business model based on finance guarantee, further includes: the consumer exists
It is described and by the commodity price equivalent money accordingly, it imports after the account of financial guarantee agency or the financial guarantee machine
Structure presses predetermined ratio, and after the part equivalent money is imported the account of the Target Enterprise, it is corresponding to obtain the merchandise news
Commodity.
Further, the financial guarantee agency, comprising: business bank, nationalized bank and/or guarantee corporation.
Further, the predetermined ratio, comprising: 70%, 80% or 90%.
Further, the equivalent money is imported the account of the consumer, comprising: the mesh by the Target Enterprise
Enterprise is marked at the time of preset duration reaches, by the equivalent money, imports the account of the consumer；Or the Target Enterprise
In preset duration, by the equivalent money, the account of the consumer is imported in batches；Wherein, the preset duration, from described
Start of calculation at the time of the part equivalent money is imported the account of the Target Enterprise.
Further, the commodity transaction financing business model based on finance guarantee, further includes: if the consumer
At the time of the preset duration reaches, the Target Enterprise is allowed to delay the equivalent money importing the consumer's
Account, then according to the duration of extension, the Target Enterprise gives the corresponding cash bonuses of the consumer；
Wherein, the amount of money of the corresponding cash bonuses, it is directly proportional to the duration of the extension.
Second aspect, the embodiment provides a kind of commodity transaction financing devices assured based on finance, comprising:
Module that price obtains and fund keeps accounts, the merchandise news selected for obtaining consumer in Target Enterprise, according to institute
It states merchandise news and determines commodity price, and by the commodity price equivalent money accordingly, import the account of financial guarantee agency,
Predetermined ratio is pressed by the finance guarantee agency, and the part equivalent money is imported to the account of the Target Enterprise；
Fund returns module, for the Target Enterprise by the equivalent money, imports the account of the consumer；
Wherein, the financial guarantee agency bears obligation under bond to the equivalent money.
The third aspect, the embodiment provides a kind of electronic equipment, comprising:
At least one processor；And
At least one processor being connect with processor communication, in which:
Memory is stored with the program instruction that can be executed by processor, and the instruction of processor caller is able to carry out first party
Commodity transaction in the various possible implementations in face based on finance guarantee provided by any possible implementation is melted
Provide business model.
Fourth aspect, the embodiment provides a kind of non-transient computer readable storage medium, non-transient calculating
Machine readable storage medium storing program for executing stores computer instruction, and computer instruction makes the various possible realization sides of computer execution first aspect
Commodity transaction financing business model in formula provided by any possible implementation based on finance guarantee.
Commodity transaction financing business model and equipment provided in an embodiment of the present invention based on finance guarantee, is carried on a shoulder pole by finance
It protects mechanism and the purchase fund of commodity is returned to consumer again by Target Enterprise to be assured to consumer's purchase commodity funds, from
And while so that Target Enterprise is obtained financing by the fund that consumer buys commodity, so that consumer can also freely obtain quotient
Product, the final two-win business model realizing Target Enterprise financing and consumer and freely consuming.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to do a simple introduction, it should be apparent that, the accompanying drawings in the following description is this hair
Bright some embodiments for those of ordinary skill in the art without creative efforts, can be with root
Other attached drawings are obtained according to these attached drawings.
Fig. 1 is the commodity transaction financing business model process schematic diagram provided in an embodiment of the present invention based on finance guarantee；
Fig. 2 is the commodity transaction financing business model schematic illustration provided in an embodiment of the present invention based on finance guarantee；
Fig. 3 is the commodity transaction financing apparatus structure schematic diagram provided in an embodiment of the present invention based on finance guarantee；
Fig. 4 is the entity structure schematic diagram of electronic equipment provided in an embodiment of the present invention.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art
Every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.In addition,
Technical characteristic in each embodiment or single embodiment provided by the invention can mutual any combination, to form feasible skill
Art scheme, but must be based on can be realized by those of ordinary skill in the art, when the combination of technical solution occur it is mutual
Contradiction or when cannot achieve, it will be understood that the combination of this technical solution is not present, also not the present invention claims protection scope
Within.
The commodity transaction financing business model based on finance guarantee that the embodiment of the invention provides a kind of, referring to Fig. 1, the quotient
Industry mode includes:
101, the merchandise news that consumer selectes in Target Enterprise is obtained, commodity price is determined according to the merchandise news,
And equivalent money, the account of the financial guarantee agency of remittance, the finance guarantee agency press predetermined accordingly by the commodity price
The part equivalent money is imported the account of the Target Enterprise by ratio；
102, the equivalent money is imported the account of the consumer by the Target Enterprise.
Wherein, the financial guarantee agency bears obligation under bond to the equivalent money；It is described equivalence money refer to, full generation
Existing currency (such as RMB, dollar or Euro), the ideal money (such as bit coin or Q coin), valuable gold of country, regime, boundary circulation
Belong to (such as gold, silver) or the equal value exchange article (such as livestock, jewel) of exchange through money function can be served as；The quotient
Corresponding commodity refer in product information, spot commodities and/or futures commodity, and wherein futures commodity can be for only in drawing stage
Commodity or stock are insufficient, the commodity for needing to buy on credit.
On the basis of the above embodiments, the commodity transaction factor based on finance guarantee provided in the embodiment of the present invention
Industry mode, the commodity price are lower than identical commodity price in the market.
On the basis of the above embodiments, the commodity transaction factor based on finance guarantee provided in the embodiment of the present invention
Industry mode, further includes: the consumer imports financial guarantee agency described and by the commodity price equivalent money accordingly
Account after or the financial guarantee agency press predetermined ratio, the part equivalent money is imported to the account of the Target Enterprise
After number, the corresponding commodity of the merchandise news are obtained.
On the basis of the above embodiments, the commodity transaction factor based on finance guarantee provided in the embodiment of the present invention
Industry mode, the finance guarantee agency, comprising: business bank, nationalized bank and/or guarantee corporation.
On the basis of the above embodiments, the commodity transaction factor based on finance guarantee provided in the embodiment of the present invention
Industry mode, the predetermined ratio, comprising: 70%, 80% or 90%.
On the basis of the above embodiments, the commodity transaction factor based on finance guarantee provided in the embodiment of the present invention
The equivalent money is imported the account of the consumer, comprising: the Target Enterprise is pre- by industry mode, the Target Enterprise
If duration reaches, by the equivalent money, the account of the consumer is imported；Or the Target Enterprise is in preset duration
It is interior, by the equivalent money, the account of the consumer is imported in batches；Wherein, the preset duration, from it is described will be described in part
Start of calculation at the time of equivalent money imports the account of the Target Enterprise.
On the basis of the above embodiments, the commodity transaction factor based on finance guarantee provided in the embodiment of the present invention
Industry mode, further includes: if the consumer at the time of preset duration reaches, allows the Target Enterprise extension will be described
Equivalent money imports the account of the consumer, then according to the duration of extension, it is corresponding that the Target Enterprise gives the consumer
Cash bonuses；Wherein, the amount of money of the corresponding cash bonuses, it is directly proportional to the duration of the extension.
Commodity transaction financing business model provided in an embodiment of the present invention based on finance guarantee, passes through financial guarantee agency
Commodity funds are bought to consumer and assure that the purchase fund of commodity is returned to consumer again by Target Enterprise, to make mesh
While marking fund acquisition financing of the enterprise by consumer's purchase commodity, so that consumer can also freely obtain commodity, most
The two-win business model that Target Enterprise financing and consumer are freely consumed is realized eventually.
For the essential connotation of the elaboration being more clear business model of the invention, on the basis of the above embodiments, intend
It proposes the embodiment of an entirety, shows the overall picture of business model of the present invention on the whole.It should be noted that the whole implementation
Example is not limiting the scope of the invention just for the sake of further embodying business model of the invention,
On the basis of each embodiment of the present invention, by combination business model, in obtained any satisfaction business model essence of the present invention
Contain combined business model, as long as can actual implementation, within the protection domain of this patent..
Fig. 2 is specifically referred to, consumer (can be computer, mobile phone, tablet computer or server by user terminal 201
Deng) Target Enterprise server 203 is had accessed, the online selection for carrying out commodity.For the purchase that attracts clients, the price of commodity is being closed
Slightly has discount within the scope of method, so that the concluded price of commodity is slightly below market average price (for example, the market price of commodity is
300 yuan, the concluded price by the same money commodity of this business model is 270 yuan).Selecting commodity in client, (selected commodity can
To be one or more) after, through user terminal 201 in a manner of on-line payment, purchase fund is imported into financial guarantee agency
Destiny account (such as specific Bank Account Number) in server 202.Destiny account in financial guarantee agency's server 202 is being received
After the fund imported to consumer, (the 80% of such as fund, the ratio can be carried on a shoulder pole according to Target Enterprise and finance according to a certain percentage
The negotiation for protecting mechanism determines, is not necessarily fixed value, can for 50%, 60%, 70%, 80%, 90%, 95%, 97% or
98%) by financial guarantee agency server 202, the fund for the purchase commodity that consumer imports is turned with online mode to pay mesh
Mark enterprise servers 203.Target Enterprise first turns the fund for paying, warp in proportion using financial guarantee agency whithin a period of time
After spending the several years (for example, 5 years, 10 years, 15 years or 20 years, which can be carried on a shoulder pole according to market situation by Target Enterprise and finance
Mechanism is protected to negotiate to determine), consumer is bought the funds in full of commodity by Target Enterprise server 203 by Target Enterprise, with
Line mode returns (disposable to return or return in batches) to the user terminal 201 of consumer.If consumer is in the several years
When the time limit expires, agree to that Target Enterprise delays to return the fund in full for buying commodity, then according to the duration of extension, Target Enterprise is answered
(cash bonuses 204 can be sent to by use by Target Enterprise server 203 when giving the corresponding cash bonuses 204 of consumer
Family terminal 201).Target Enterprise can indicate specific amount of money award when consumer buys commodity according to extension duration.Specifically
Ground, consumer is every to extend a month fund in full for allowing Target Enterprise to return purchase commodity, then Target Enterprise can will be bought
The 1% of the fund in full of commodity is used as bonus, is awarded to consumer, such consumer not only obtains the use of bought commodity
Value, but also additional fund can be selected to return, obtain consumer preferably while obtaining capital
Consumption experience degree, to further improve the enthusiasm that consumer participates in consumption.In entire business model, financial guarantee machine
Structure to Target Enterprise to consumer's return merchandise purchase fund make guarantee, if Target Enterprise can not return merchandise purchase fund,
Then financial guarantee agency has the right to make the property of Target Enterprise corresponding disposition (such as auctioning), to obtain auction gained quotient
Product buy fund 205, and then by financial guarantee agency server 202, auction gained commodity purchasing fund 205 is returned to use
Family terminal 201.
The optimized integration of each embodiment of the present invention is the processing that sequencing is carried out by the equipment with processor function
It realizes.Therefore engineering in practice, can be by the technical solution of each embodiment of the present invention and its function package at various moulds
Block.Based on this reality, on the basis of the various embodiments described above, the embodiment provides one kind based on finance load
The commodity transaction financing device of guarantor, the device are used to execute the commodity based on finance guarantee in above-mentioned business model embodiment and hand over
Easily financing business model.Referring to Fig. 3, which includes:
Module 301 that price obtains and fund keeps accounts, the merchandise news selected for obtaining consumer in Target Enterprise, according to
The merchandise news determines commodity price, and by the commodity price equivalent money accordingly, imports the account of financial guarantee agency
Number, predetermined ratio is pressed by the finance guarantee agency, and the part equivalent money is imported to the account of the Target Enterprise；
Fund returns module 302, for the Target Enterprise by the equivalent money, imports the account of the consumer；
Wherein, the financial guarantee agency bears obligation under bond to the equivalent money.
Commodity transaction financing device provided in an embodiment of the present invention based on finance guarantee, is obtained using price and fund enters
Account module and fund return module, buy commodity funds to consumer by financial guarantee agency and assure that Target Enterprise is again
The purchase fund of commodity is returned into consumer, so that Target Enterprise be made to obtain financing by the fund that consumer buys commodity
Meanwhile so that consumer can also freely obtain commodity, the final two-win realizing Target Enterprise financing and consumer and freely consuming
Business model.
The business model of the embodiment of the present invention be rely on electronic equipment realize, therefore to relevant electronic equipment it is necessary to
It does and introduces.Based on this purpose, the embodiment provides a kind of electronic equipment, as shown in figure 4, the electronic equipment packet
It includes: at least one processor (processor) 401, communication interface (Communications Interface) 404, at least one
A memory (memory) 402 and communication bus 403, wherein at least one processor 401, communication interface 404, at least one
Memory 402 completes mutual communication by communication bus 403.At least one processor 401 can call at least one to deposit
Logical order in reservoir 402, to realize following business model: obtaining the merchandise news that consumer selectes in Target Enterprise, root
Commodity price is determined according to the merchandise news, and by the commodity price equivalent money accordingly, imports financial guarantee agency
Predetermined ratio is pressed by account, the finance guarantee agency, and the part equivalent money is imported to the account of the Target Enterprise；It is described
The equivalent money is imported the account of the consumer by Target Enterprise；Wherein, the financial guarantee agency is to the equivalent gold
Money bears obligation under bond.
In addition, the logical order in above-mentioned at least one processor 402 can be real by way of SFU software functional unit
Now and when sold or used as an independent product, it can store in a computer readable storage medium.Based in this way
Understanding, the technical solution of the present invention substantially portion of the part that contributes to existing technology or the technical solution in other words
Dividing can be embodied in the form of software products, which is stored in a storage medium, including several
Instruction is used so that a computer equipment (can be personal computer, server or the network equipment etc.) executes the present invention
The all or part of the steps of business model described in each embodiment.For example, obtain the quotient that consumer selectes in Target Enterprise
Product information determines commodity price according to the merchandise news, and equivalent money, remittance finance are carried on a shoulder pole accordingly by the commodity price
The account of mechanism is protected, predetermined ratio is pressed by the finance guarantee agency, and the part equivalent money is imported the Target Enterprise
Account；The equivalent money is imported the account of the consumer by the Target Enterprise；Wherein, the financial guarantee agency pair
The equivalence money bears obligation under bond.And storage medium above-mentioned include: USB flash disk, mobile hard disk, read-only memory (ROM,
Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. it is various
It can store the medium of program code.
The apparatus embodiments described above are merely exemplary, wherein described, unit can as illustrated by the separation member
It is physically separated with being or may not be, component shown as a unit may or may not be physics list
Member, it can it is in one place, or may be distributed over multiple network units.It can be selected according to the actual needs
In some or all of the modules achieve the purpose of the solution of this embodiment.Those of ordinary skill in the art are not paying creativeness
Labour in the case where, it can understand and implement.
Through the above description of the embodiments, those skilled in the art can be understood that each embodiment can
It realizes by means of software and necessary general hardware platform, naturally it is also possible to pass through hardware.Based on this understanding, on
Stating technical solution, substantially the part that contributes to existing technology can be embodied in the form of software products in other words, should
Computer software product may be stored in a computer readable storage medium, such as ROM/RAM, magnetic disk, CD, including several fingers
It enables and using so that a computer equipment (can be personal computer, server or the network equipment etc.) executes each implementation
Business model described in certain parts of example or embodiment.
Finally, it should be noted that the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although
Present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that: it still may be used
To modify the technical solutions described in the foregoing embodiments or equivalent replacement of some of the technical features；
And these are modified or replaceed, technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution spirit and
Range.
Claims (10)
- The business model 1. a kind of commodity transaction based on finance guarantee is financed, is realized, which is characterized in that packet by electronic equipment It includes:The merchandise news that consumer selectes in Target Enterprise is obtained, commodity price is determined according to the merchandise news, and will be described Commodity price equivalent money accordingly, imports the account of financial guarantee agency, predetermined ratio is pressed by the finance guarantee agency, by portion The account for dividing the equivalent money to import the Target Enterprise；The equivalent money is imported the account of the consumer by the Target Enterprise；Wherein, the financial guarantee agency bears obligation under bond to the equivalent money.
- The business model 2. commodity transaction according to claim 1 based on finance guarantee is financed, which is characterized in that the quotient Product price is lower than identical commodity price in the market.
- The business model 3. commodity transaction according to claim 1 based on finance guarantee is financed, which is characterized in that also wrap It includes:The consumer is described and by the commodity price equivalent money accordingly, after importing the account of financial guarantee agency, Or predetermined ratio is pressed by the financial guarantee agency, after the part equivalent money is imported the account of the Target Enterprise, obtains The corresponding commodity of the merchandise news.
- The business model 4. commodity transaction according to claim 1 based on finance guarantee is financed, which is characterized in that the gold Melt guarantee agency, comprising:Business bank, nationalized bank and/or guarantee corporation.
- The business model 5. commodity transaction according to claim 1 based on finance guarantee is financed, which is characterized in that described pre- Certainty ratio, comprising:70%, 80% or 90%.
- The business model 6. commodity transaction according to claim 1 based on finance guarantee is financed, which is characterized in that the mesh Enterprise is marked by the equivalent money, imports the account of the consumer, comprising:The Target Enterprise, by the equivalent money, imports the account of the consumer at the time of preset duration reaches；Or institute Target Enterprise is stated in preset duration, by the equivalent money, imports the account of the consumer in batches；Wherein, the preset duration, from the time of the equivalence money that part is described imports the account of the Target Enterprise It calculates.
- The business model 7. commodity transaction according to claim 6 based on finance guarantee is financed, which is characterized in that also wrap It includes:If the consumer at the time of preset duration reaches, allows the Target Enterprise to delay the equivalent money, The account of the consumer is imported, then according to the duration of extension, the Target Enterprise gives the corresponding cash bonuses of the consumer；Wherein, the amount of money of the corresponding cash bonuses, it is directly proportional to the duration of the extension.
- The device 8. a kind of commodity transaction based on finance guarantee is financed characterized by comprisingModule that price obtains and fund keeps accounts, the merchandise news selected for obtaining consumer in Target Enterprise, according to the quotient Product information determines commodity price, and equivalent money, the account of the financial guarantee agency of remittance are described accordingly by the commodity price Predetermined ratio is pressed by financial guarantee agency, and the part equivalent money is imported to the account of the Target Enterprise；Fund returns module, for the Target Enterprise by the equivalent money, imports the account of the consumer；Wherein, the financial guarantee agency bears obligation under bond to the equivalent money.
- 9. a kind of electronic equipment characterized by comprisingAt least one processor, at least one processor, communication interface and bus；Wherein,The processor, memory, communication interface complete mutual communication by the bus；The memory is stored with the program instruction that can be executed by the processor, and the processor calls described program instruction, To execute business model as described in any one of claim 1 to 7.
- 10. a kind of non-transient computer readable storage medium, which is characterized in that the non-transient computer readable storage medium is deposited Computer instruction is stored up, the computer instruction makes the computer execute the business mould as described in any one of claims 1 to 7 Formula.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910235737.4A CN110047000A (en) | 2019-03-27 | 2019-03-27 | Commodity transaction financing business model and equipment based on finance guarantee |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910235737.4A CN110047000A (en) | 2019-03-27 | 2019-03-27 | Commodity transaction financing business model and equipment based on finance guarantee |
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| Publication Number | Publication Date |
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| CN110047000A true CN110047000A (en) | 2019-07-23 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910235737.4A Pending CN110047000A (en) | 2019-03-27 | 2019-03-27 | Commodity transaction financing business model and equipment based on finance guarantee |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112419042A (en) * | 2020-11-17 | 2021-02-26 | 黑龙江省鑫正融资担保集团有限公司 | Special guarantee business management system based on loan-meeting and guarantee-immediate mode |
| CN112541755A (en) * | 2020-12-28 | 2021-03-23 | 韶关市易通车联电子商务有限公司 | Same-city electronic commerce T-1 or T-N payment system |
-
2019
- 2019-03-27 CN CN201910235737.4A patent/CN110047000A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112419042A (en) * | 2020-11-17 | 2021-02-26 | 黑龙江省鑫正融资担保集团有限公司 | Special guarantee business management system based on loan-meeting and guarantee-immediate mode |
| CN112541755A (en) * | 2020-12-28 | 2021-03-23 | 韶关市易通车联电子商务有限公司 | Same-city electronic commerce T-1 or T-N payment system |
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Application publication date: 20190723 |