CN110223079A - One kind being based on third-party credit payment method - Google Patents
One kind being based on third-party credit payment method Download PDFInfo
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- CN110223079A CN110223079A CN201910527046.1A CN201910527046A CN110223079A CN 110223079 A CN110223079 A CN 110223079A CN 201910527046 A CN201910527046 A CN 201910527046A CN 110223079 A CN110223079 A CN 110223079A
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- 238000000034 method Methods 0.000 title claims abstract description 15
- 238000012790 confirmation Methods 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 2
- 238000011835 investigation Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 235000012054 meals Nutrition 0.000 description 1
- 238000009738 saturating Methods 0.000 description 1
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention discloses a kind of based on third-party credit payment method, comprising the following steps: S1: user is registered as credit customer in third-party credit system, and third party records the credit grade of setting user according to the user's credit；S2: stroke is arranged in user on third party's credit system, and third party is user setting credit line grade according to stroke, and user can carry out credit consuming in the credit line of setting；S3: when reaching reminder time, third party will send credit consuming bill to user, to remind user to refund in the time of refunding.The present invention can be achieved user and first consume the function of refunding afterwards, and reasonable consumption of the grade to ensure user is arranged for the credit of user, provide convenience for user's trip and refund.
Description
Technical field
The present invention relates to technical field of data processing, in particular to a kind of to be based on third-party credit payment method.
Background technique
In daily life, it for example has a meal, live hotel and buy clothes, people are typically all to need first to carry out payment ability in fact
Existing above-mentioned function, but people may not go out with enough money or can not brush code payment sometimes, cause to perplex to people's lives,
It is unfavorable for people's door trip.If people carry out payment consumption using credit, everyone is consumed according to amount, often thoroughly
Branch consumption, improves the subsequent refund difficulty of user.Therefore it needs to control the credit payment of user, reduces going back for user
Money pressure.
Summary of the invention
Aiming at the problem that user in the prior art first pays the bill and consumes and overdraw consumption again, the present invention provides a kind of based on third
The credit payment method of side, the function of refunding again is first consumed in realization, and controls the credit consuming of user, reduces the refund pressure of user
Power.
To achieve the goals above, the present invention the following technical schemes are provided:
One kind being based on third-party credit payment method, comprising the following steps:
S1: user is registered as credit customer in third-party credit system, and third party records according to the user's credit
The credit grade of user is set；
S2: stroke is arranged in user on third party's credit system, and third party is user setting credit line etc. according to stroke
Grade, user can carry out credit consuming in the credit line of setting；
S3: when reaching reminder time, third party will send credit consuming bill to user, to remind user when refunding
Between refund.
Preferably, the credit grade includes primary, intermediate and advanced, and the user of each credit grade has accordingly
Credit line.
Preferably, credit line grade is arranged according to the time limit in the third party, and the credit line grade includes level-one, two
Grade and three-level, different credit line grades possess corresponding credit line.
Preferably, which is characterized in that the credit consuming bill includes title, time of payment and the payment gold of toll collector
Volume.
Preferably, user completes to refund within the time of refunding, and third party will restore the credit grade of the user, possess phase
The credit line answered, and the credit star of the user credit grade is accordingly promoted, credit star is followed successively by 1 star, 2 stars, 3 stars, 4 stars
With 5 stars, when user reaches 5 star, third party will promote the credit grade of the user.
Preferably, third party sends confirmation message to user, to help user to be confirmed whether to be completed also in the time of refunding
Money.
In conclusion by adopting the above-described technical solution, compared with prior art, the present invention at least has beneficial below
Effect:
To the go on a journey means of payment and credit record of the present invention combines, and meets user and first consumes the function of settling accounts again, for
The trip at family is provided convenience.Credit line grade is arranged to control the credit consuming of user in the present invention, avoids user from carrying out saturating
Branch consumption, reduces the refund pressure of user；It is also prevented from user's malice simultaneously, credit line is subjected to arbitrage operation.
Detailed description of the invention:
Fig. 1 is to be based on third-party credit payment method schematic diagram according to one kind of exemplary embodiment of the present.
Specific embodiment
Below with reference to embodiment and specific embodiment, the present invention is described in further detail.But this should not be understood
It is all that this is belonged to based on the technology that the content of present invention is realized for the scope of the above subject matter of the present invention is limited to the following embodiments
The range of invention.
In the description of the present invention, it is to be understood that, term " longitudinal direction ", " transverse direction ", "upper", "lower", "front", "rear",
The orientation or positional relationship of the instructions such as "left", "right", "vertical", "horizontal", "top", "bottom" "inner", "outside" is based on attached drawing institute
The orientation or positional relationship shown, is merely for convenience of description of the present invention and simplification of the description, rather than the dress of indication or suggestion meaning
It sets or element must have a particular orientation, be constructed and operated in a specific orientation, therefore should not be understood as to limit of the invention
System.
Fig. 1 is according to one kind of exemplary embodiment of the present based on third-party credit payment method schematic diagram, including
Following steps:
S1: user is registered as credit customer in third-party credit system, and third party records according to the user's credit
User credit grade is set.
In the present embodiment, user registers on third party's credit system (such as APP) first, becomes credit customer, registration
Information includes user name, password, user mobile phone number, identity card etc., third party's credit system of the invention and credit investigation system data
Connection.Third party can be the user setting credit grade on platform, including primary, intermediate and advanced etc., the user of each grade
With different credit lines；Such as user, when being registered as credit customer for the first time, user gradation is primary, credit
Amount is 10,000 yuan；User gradation is middle rank, and credit line is 30,000 yuan；User gradation be it is advanced, credit line be 50,000
Member.User gradation can record to change according to the user's credit, such as the credit record of user is well (to refund
Funds on account are paid off in time, the time of refunding can be No. 10 of every month), user gradation can be become middle rank from primary；If the letter of user
It is commented with difference is recorded as and (is not paid off funds on account within the time of refunding), user gradation can be become primary from middle rank；If the letter of user
With very poor (not paying off funds on account within the termination time, the termination time is second refund time) is recorded as, user will be arranged
It for blacklist, that is, is forbidden to use third party's credit system of the invention and trades, while the credit information of the user being passed to
Internet.
S2: stroke is arranged in user on third party's credit system, and third party is user setting credit line etc. according to stroke
Grade, user can carry out credit consuming in the credit line of setting.
In the present embodiment, when user goes on a journey, stroke is set on third party's credit system, travel information include position, when
Between and the time limit, wherein time and time limit daily calculate.Third party will be limited to user setting line of credit according to travel information mid-term
It spends grade and carries out credit consuming, i.e., user first can freely be consumed (i.e. the using third party's credit system in credit line
Tripartite first helps user to pay funds on account), pay off consumption funds on account on third party within the time of refunding later, i.e., user by funds on account also
To third party.
In the present embodiment, the setting of credit line grade can be divided into:
Level-one: 1 day~2 days, 1000 yuan；Second level: 3 days~5 days, 5000 yuan；Three-level: 6 days~10 days, 10000 yuan.
Such as user can input on May 13rd, 2019 by Chongqing to Beijing on third party, on May 20th, 2019 is by north
Capital to Chongqing, time limit are 8 days, then it is three-level that third party, which can be the credit line grade of user setting, then user can be in line of credit
Credit consuming is carried out in degree, and can be refunded again in the time of refunding.This ensure that the demand property of customer consumption, and controllable user
Consumption, reduce user refund risk, realize two-win.
S3: when reaching reminder time, third party will send credit consuming bill to user, to remind user when refunding
Between refund.
In the present embodiment, third-party reminder time is more early than the time of refunding, such as the refund time is No. 10 of every month,
Reminder time is No. 1 of every month.Credit consuming bill is user (first party) one month in front (i.e. 1 of first month part
Number~No. 1 of second month) in credit consuming summation, title, time of payment and payment including toll collector's (second party)
Amount of money etc..Third party sends refund information when refunding time expiring time period and gives user (first party), to help user's confirmation to be
It is no that refund is completed, ensure the formedness of user credit record.
If user completes to refund within the time of refunding, third party will restore the credit grade of the user, possess corresponding
Credit line, and accordingly promote the credit star of the user, credit star is followed successively by 1 star, 2 stars, 3 stars, 4 stars and 5 stars, when with
When family reaches 5 star, third party will promote the credit grade of the user, such as be promoted from primary to advanced.If user is when refunding
Interior unfinished refund, third party will not restore the credit line of user, be consumed with preventing user from overdrawing.If user is when terminating
Interior completion is refunded, and third party restores the credit line of the user, but does not promote the credit star of the user, can supervise in this way
User refunds on time, promotes the social credibility of user.If user throws away unfinished refund in the termination time, third party arranges the user
For blacklist, and the credit information of the user is uploaded into credit investigation system, while collecting the user not also using lawful means
Funds on account.
In the present embodiment, third party is legal utilization mechanism, user and payment collector can by mobile phone, apparatus such as computer and
Third party signs an agreement.User can download APP directly on mobile phone can log in third-party credit system, complete registration, disappear
Take, it is simple and fast.
It will be understood by those skilled in the art that the respective embodiments described above are to realize specific embodiments of the present invention,
And in practical applications, can to it, various changes can be made in the form and details, without departing from the spirit and scope of the present invention.
Claims (6)
1. one kind is based on third-party credit payment method, which comprises the following steps:
S1: user is registered as credit customer in third-party credit system, and third party records setting according to the user's credit
The credit grade of user；
S2: stroke is arranged in user on third party's credit system, and third party is user setting credit line grade according to stroke, uses
Family can carry out credit consuming in the credit line of setting；
S3: when reaching reminder time, third party will send credit consuming bill to user, to remind user refunding the time also
Money.
2. as described in claim 1 a kind of based on third-party credit payment method, which is characterized in that the credit grade packet
Primary, middle rank and advanced is included, and the user of each credit grade has corresponding credit line.
3. as described in claim 1 a kind of be based on third-party credit payment method, which is characterized in that the third party according to
Credit line grade is arranged in time limit, and the credit line grade includes level-one, second level and three-level, and different credit line grades possess
Corresponding credit line.
4. as described in claim 1 a kind of based on third-party credit payment method, which is characterized in that the credit consuming account
Single includes title, time of payment and the payment amount of toll collector.
5. as described in claim 1 a kind of based on third-party credit payment method, which is characterized in that user is in the time of refunding
Interior completion is refunded, and third party will restore the credit grade of the user, possess corresponding credit line, and accordingly promote the user
The credit star of credit grade, credit star are followed successively by 1 star, 2 stars, 3 stars, 4 stars and 5 stars, when user reaches 5 star, third party
The credit grade of the user will be promoted.
6. as described in claim 1 a kind of based on third-party credit payment method, which is characterized in that third party is when refunding
Between send confirmation message to user, to help user to be confirmed whether that refund is completed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910527046.1A CN110223079A (en) | 2019-06-18 | 2019-06-18 | One kind being based on third-party credit payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910527046.1A CN110223079A (en) | 2019-06-18 | 2019-06-18 | One kind being based on third-party credit payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110223079A true CN110223079A (en) | 2019-09-10 |
Family
ID=67817694
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910527046.1A Pending CN110223079A (en) | 2019-06-18 | 2019-06-18 | One kind being based on third-party credit payment method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110223079A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110827124A (en) * | 2019-11-05 | 2020-02-21 | 上海景域文化传播股份有限公司 | Method for realizing tourism-first and payment-later product, composition system and electronic equipment |
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| CN107808290A (en) * | 2017-10-27 | 2018-03-16 | 中航信移动科技有限公司 | Pick machine service credit method and server |
| CN107808283A (en) * | 2016-09-09 | 2018-03-16 | 腾讯科技（深圳）有限公司 | Order processing method, apparatus and system |
| CN109410033A (en) * | 2018-09-28 | 2019-03-01 | 深圳壹账通智能科技有限公司 | Determination method, apparatus, computer equipment and the storage medium of interest-free loan amount |
-
2019
- 2019-06-18 CN CN201910527046.1A patent/CN110223079A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20040122763A1 (en) * | 2002-12-20 | 2004-06-24 | Juei-Mei Wang | Method for managing credit limits of accounts receivable |
| CN105182033A (en) * | 2015-07-17 | 2015-12-23 | 广东浩迪创新科技有限公司 | Credit management billing method and system of intelligent electric meter system |
| CN107808283A (en) * | 2016-09-09 | 2018-03-16 | 腾讯科技（深圳）有限公司 | Order processing method, apparatus and system |
| CN107341659A (en) * | 2017-06-22 | 2017-11-10 | 北京小米移动软件有限公司 | Public transport method of payment and device |
| CN107578230A (en) * | 2017-09-05 | 2018-01-12 | 深圳天珑无线科技有限公司 | A kind of credit payment method, system, mobile terminal and meter readable storage medium storing program for executing |
| CN107808290A (en) * | 2017-10-27 | 2018-03-16 | 中航信移动科技有限公司 | Pick machine service credit method and server |
| CN109410033A (en) * | 2018-09-28 | 2019-03-01 | 深圳壹账通智能科技有限公司 | Determination method, apparatus, computer equipment and the storage medium of interest-free loan amount |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110827124A (en) * | 2019-11-05 | 2020-02-21 | 上海景域文化传播股份有限公司 | Method for realizing tourism-first and payment-later product, composition system and electronic equipment |
| CN110827124B (en) * | 2019-11-05 | 2021-12-10 | 上海景域文化传播股份有限公司 | Method for realizing tourism-first and payment-later product, composition system and electronic equipment |
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Application publication date: 20190910 |