CN110659959A - Credit e-commerce platform system based on block chain and big data - Google Patents
Credit e-commerce platform system based on block chain and big data Download PDFInfo
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- CN110659959A CN110659959A CN201910845282.8A CN201910845282A CN110659959A CN 110659959 A CN110659959 A CN 110659959A CN 201910845282 A CN201910845282 A CN 201910845282A CN 110659959 A CN110659959 A CN 110659959A
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- 238000012545 processing Methods 0.000 claims abstract description 21
- 238000011835 investigation Methods 0.000 claims abstract description 12
- 230000008520 organization Effects 0.000 claims description 8
- 230000007246 mechanism Effects 0.000 claims description 5
- 235000021167 banquet Nutrition 0.000 claims description 3
- 230000003796 beauty Effects 0.000 claims description 3
- 238000005034 decoration Methods 0.000 claims description 3
- 230000036541 health Effects 0.000 claims description 3
- 230000010354 integration Effects 0.000 claims description 3
- 238000012549 training Methods 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 3
- 238000001914 filtration Methods 0.000 description 2
- 238000000034 method Methods 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 238000007792 addition Methods 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 238000013480 data collection Methods 0.000 description 1
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
Abstract
The invention discloses a credit e-commerce platform system based on a block chain and big data, which belongs to the technical field of e-commerce platform systems and comprises an e-commerce platform, credit investigation institutions, financial handling supervision, litigation court institutions, a fund supplier, a consumer consumption financial service demand processing platform, a consumption system and a platform authority management module, wherein the fund supplier consists of a bank, ABS funds and financial funds; and the fund supplier is mutually connected with the e-commerce platform through the consumption loan processing platform. Because the invention is provided with a fund supplier, a consumption loan processing platform, a consumption system, a consumer consumption financial service demand processing platform and an e-commerce platform, an efficient and fast credit business mode and a big data wind control system are established, credit products and services of consumption and operation are provided for vast users, the functionality of the e-commerce platform system is improved, and the users can conveniently shop through the e-commerce platform system.
Description
Technical Field
The invention belongs to the technical field of e-commerce platform systems, and particularly relates to a credit e-commerce platform system based on a block chain and big data.
Background
The existing e-commerce platform system has strong limitation, cannot provide diversified products for users, cannot meet products required to be purchased by the users according to actual requirements of the users, is only a platform capable of providing the users with purchased articles, has relatively low functionality, cannot provide consumer and business credit products and services for vast users, and is in urgent need of a credit e-commerce platform system based on a block chain and big data.
Disclosure of Invention
The present invention is directed to a block chain and big data based credit e-commerce platform system, so as to solve the problems mentioned in the background art.
In order to achieve the purpose, the invention provides the following technical scheme:
the credit e-commerce platform system based on the block chain and the big data comprises an e-commerce platform, credit investigation institutions, financial office supervision, litigation court institutions, fund suppliers, a consumer consumption financial service demand processing platform, a consumption system and a platform authority management module, wherein the fund suppliers comprise banks, ABS funds and financial funds; the fund supplier is connected with the e-commerce platform through a consumption loan processing platform, the consumption loan processing platform is respectively connected with a financial office supervision mechanism, a credit investigation institution and a litigation court institution, the consumption system is connected with the e-commerce platform through a consumer consumption financial service demand processing platform, and the consumption system comprises an off-line consumption scene, an on-line self-operation or a third-party consumption platform; the offline consumption scene comprises tourism vacation, health medical beauty, banquet catering, home decoration, education training, owner life, 3C life and the like.
As a further scheme of the invention: the credit granting mechanism consists of a start script, a crawler instance, an API data instance, an off-line data query instance, data integration, a credit granting Function, a credit granting rule configuration XML and a push queue.
As a further scheme of the invention: the platform authority management module is composed of group authority management, role authority management, user authority management and operation log authority management.
As a further scheme of the invention: the group right management comprises group management, including users, affiliated roles, group rights and total rights.
As a further scheme of the invention: the user authority management comprises five parts of an affiliated role, an affiliated group, user authority, user total authority resources and organization management.
Compared with the prior art, the invention sets a fund supplier, a consumption loan processing platform, a consumption system, a consumer consumption financial service demand processing platform and an e-commerce platform, establishes an efficient and rapid credit sale business mode and a big data wind control system based on the basic data, credit evaluation, network transaction information and the like of individuals and small and micro enterprises on the network platform, provides consumer and business credit sale products and services for vast users, improves the functionality of the e-commerce platform system, and facilitates the users to shop through the e-commerce platform system.
Drawings
Fig. 1 is a system block diagram of a block chain and big data based telecom and commerce platform system.
Fig. 2 is a system block diagram of the credit investigation institution operation in the credit e-commerce platform system based on block chains and big data.
Fig. 3 is a system block diagram of a platform authority management module in a credit e-commerce platform system based on a block chain and big data.
Detailed Description
The technical solution of the present patent will be described in further detail with reference to the following embodiments.
Referring to fig. 1-3, the credit e-commerce platform system based on block chains and big data comprises an e-commerce platform, credit investigation institutions, financial handling supervision, litigation court institutions, fund suppliers, a consumer consumption financial service demand processing platform, a consumption system and a platform authority management module, wherein the fund supplier comprises banks, ABS funds and financial funds, and the banks, the ABS funds and the financial funds can loan users according to credit investigation conditions provided by the credit investigation institutions.
The finance application management system comprises a finance application management platform, a finance loan processing platform, a finance loan settlement management platform, a credit investigation institution and an litigation court institution, wherein the finance application management platform is connected with the finance application management platform through a consumption loan processing platform, the finance application management platform can manage a loan process and a fund provider, the rights and interests of a user can be practically protected, the credit investigation institution can report various conditions of the user to the consumption loan processing platform, the fund application party can limit the loan amount according to the actual conditions of the user, a consumption system is connected with the E-commerce platform through a consumer consumption finance service demand processing platform, and the consumption system comprises an off-line consumption scene, an on-line self-operation platform or a third-party consumption platform.
The offline consumption scene comprises tourism vacation, health medical beauty, banquet catering, home decoration, education training, owner life, 3C life and the like; the credit granting mechanism consists of a start script, a crawler instance, an API data instance, an off-line data query instance, data integration, a credit granting Function, a credit granting rule configuration XML and a push queue.
The platform authority management module consists of group authority management, role authority management, user authority management and operation log authority management, and the platform authority management module is arranged, so that a worker can conveniently supervise and process the platform; the group right management comprises group management, including users, affiliated roles, group rights and total rights; the user authority management comprises five parts of a role to which the user belongs, a group to which the user belongs, user authority, user total authority resources and organization management, and the user total authority information has the following calculation formula: the user authority is the affiliated role authority set + the affiliated group authority set + the user own authority, the organization management manages the organization to which the user belongs, the organization is displayed in a tree structure, and the organization management has the functions of organization addition, deletion, modification and check.
The working principle of the invention is as follows: when a user needs to consume a loan, in order to realize quick credit granting, the user applies to a consumption loan processing platform, basic information provided by the user is used as a basis, data collection is carried out through a data acquisition module, the data is packaged and integrated according to a unified data standard after being collected and is used as input of rule filtering, after filtering, a credit granting result is pushed to a queue, and finally, a unified credit investigation institution sends the result to the user.
And then the fund supplier puts credit to the user, the user consumes through the e-commerce platform and the consumption system, and the consumer consumption financial service demand processing platform can improve the after-sale service demands on the commodities purchased by the user.
In the description of the present invention, it should be noted that, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, e.g., as meaning either a fixed connection, a removable connection, or an integral connection; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meaning of the above terms in the present invention can be understood by those of ordinary skill in the art through specific situations.
Although the preferred embodiments of the present patent have been described in detail, the present patent is not limited to the above embodiments, and various changes can be made without departing from the spirit of the present patent within the knowledge of those skilled in the art.
Claims (5)
1. The credit e-commerce platform system based on the block chain and the big data comprises an e-commerce platform, credit investigation institutions, financial office supervision, litigation court institutions, fund suppliers, a consumer consumption financial service demand processing platform, a consumption system and a platform authority management module, and is characterized in that the fund supplier consists of a bank, ABS funds and financial funds; the fund supplier is connected with the e-commerce platform through a consumption loan processing platform, the consumption loan processing platform is respectively connected with a financial office supervision mechanism, a credit investigation institution and a litigation court institution, the consumption system is connected with the e-commerce platform through a consumer consumption financial service demand processing platform, and the consumption system comprises an off-line consumption scene, an on-line self-operation or a third-party consumption platform; the offline consumption scene comprises tourism vacation, health medical beauty, banquet catering, home decoration, education training, owner life, 3C life and the like.
2. The block chain and big data based credit e-commerce platform system of claim 1, wherein the credit granting mechanism is composed of a start script, a crawler instance, an API data instance, a query offline data instance, data integration, a credit granting Function, a credit rule configuration XML, and a push queue.
3. The block chain and big data based credit e-commerce platform system according to claim 1, wherein the platform right management module is composed of group right management, role right management, user right management and operation log right management.
4. The blockchain and big data based e-commerce platform system of claim 3, wherein the group rights management consists of group management, including users, affiliated roles, group rights and general rights.
5. The block chain and big data based credit e-commerce platform system according to claim 3, wherein the user authority management comprises five parts of belonging role, belonging group, user authority, user total authority resource and organization management.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910845282.8A CN110659959A (en) | 2019-09-08 | 2019-09-08 | Credit e-commerce platform system based on block chain and big data |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910845282.8A CN110659959A (en) | 2019-09-08 | 2019-09-08 | Credit e-commerce platform system based on block chain and big data |
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| CN110659959A true CN110659959A (en) | 2020-01-07 |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104200356A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Data processing system and method suitable for financing payment |
| CN108765124A (en) * | 2018-04-03 | 2018-11-06 | 四川新网银行股份有限公司 | A kind of syndicated loan business solution Internet-based |
| CN109801159A (en) * | 2019-01-24 | 2019-05-24 | 中国农业银行股份有限公司 | Internet electric business financing management method and system based on block chain |
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2019
- 2019-09-08 CN CN201910845282.8A patent/CN110659959A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104200356A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Data processing system and method suitable for financing payment |
| CN108765124A (en) * | 2018-04-03 | 2018-11-06 | 四川新网银行股份有限公司 | A kind of syndicated loan business solution Internet-based |
| CN109801159A (en) * | 2019-01-24 | 2019-05-24 | 中国农业银行股份有限公司 | Internet electric business financing management method and system based on block chain |
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