CN111523974A - Commodity transaction circulation system - Google Patents
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Abstract
The invention discloses a commodity transaction circulation system.A credit evaluation platform can collect credit data of a user or a resident enterprise to determine credit levels, and different services are preset for different credit levels; the risk management platform can uniformly manage the transaction process of the user or the resident enterprise and control the transaction risk of the user or the resident enterprise; the database marketing platform can utilize a multi-party database to explore potential markets; the core enterprise management platform independently manages the core resident enterprises and can provide independent excellent service for the core resident enterprises; the transaction management platform controls the spot transaction, and can comprehensively control the spot transaction process; the financial service platform controls the platform financial pool, so that the safety and the extra income of the platform financial pool can be guaranteed; the whole system can provide guarantee for each link of commodity circulation, so that commodities can be smoothly circulated, each link of the circulation is implemented according to rules, and management normalization is achieved.
Description
Technical Field
The invention relates to the technical field of commodity circulation, in particular to a commodity transaction circulation system.
Background
With the complication of market economy, after a production enterprise produces a commodity, various problems may occur in the circulation link from the middle merchants at all levels to the point of sale of the commodity. The guarantee of the circulation link is important for the smooth circulation and sale of commodities, and a complete and comprehensive commodity circulation system is not available at present.
Disclosure of Invention
Aiming at the defects in the prior art, the invention provides a commodity transaction and circulation system which can guarantee the operation of each link of commodity circulation.
A commodity transaction circulation system comprises a spot transaction platform;
the spot transaction platform comprises a credit evaluation platform, a risk management platform, a database marketing platform, a core enterprise management platform, a transaction management platform and a financial service platform which are mutually butted;
the credit evaluation platform can collect credit data of a user or a resident enterprise to determine credit levels, and different services are preset for different credit levels;
the risk management platform can uniformly manage the transaction process of the user or the resident enterprise and control the transaction risk of the user or the resident enterprise;
the database marketing platform is capable of exploring potential markets by utilizing a multi-party database;
the core enterprise management platform is used for independently managing the core resident enterprises and can provide independent excellent services for the core resident enterprises;
the transaction management platform manages and controls spot transactions, and can comprehensively manage and control the spot transaction process;
the financial service platform manages and controls the platform financial pool, and safety and extra income of the platform financial pool can be guaranteed.
Further, in the above-mentioned case,
the credit evaluation platform collects credit data used for evaluating the credit of the user or the resident enterprise from a plurality of platforms; wherein the plurality of platforms comprise a payment platform, a financial platform and a credit investigation platform;
acquiring credit evaluation grades of all platforms;
and calculating the credit rating of the user or the resident enterprise on the spot transaction platform according to a preset calculation rule and the credit evaluation ratings of all platforms.
Further, in the above-mentioned case,
the risk management platform acquires the credit level, historical order information and overdraft limit of the user or the resident enterprise from the credit evaluation platform, and allocates a credit line for the user or the resident enterprise;
when the user or the resident enterprise uses credit for payment, whether the order placing limit of the user or the resident enterprise exceeds the credit line is judged, and if the order placing limit exceeds the credit line, the order placing is refused.
Further, in the above-mentioned case,
the historical order information comprises the order quantity, the order total amount, the order interval time, the order payment time and the arrearage amount of the user or the resident enterprise.
Further, in the above-mentioned case,
the database marketing platform carries out marketing analysis through customer information resources, a consumer database and a potential market target crowd data database, and explores a potential market through various modes such as electronic publication sending, product information sending, service information sending, user satisfaction investigation, online sales service and the like.
Further, in the above-mentioned case,
the core enterprise management platform independently promotes and independently opens a transaction system and a financial system for the core resident enterprise;
the independent promotion comprises: the spot transaction platform opens an independent promotion plate to independently promote the core resident enterprise;
the independent opening transaction system comprises: the spot transaction platform opens an independent transaction system to provide independent order management, transaction management and logistics management for core resident enterprises;
the independently opened financial system includes: the spot transaction platform opens an independent fund pool to provide collection and account credit for core resident enterprises.
Further, in the above-mentioned case,
the transaction management platform comprises functional modules:
the system comprises a purchase limiting measure module, a commodity traceability module, a customized transaction module and a classification management module;
the purchase limiting measure module carries out purchase limiting measures on the specific commodity;
the commodity tracing module traces the source of each commodity through the block chain;
the customized transaction module provides commodity customized service for the user or the resident enterprise according to the customized requirement of the user or the resident enterprise;
the classification management module performs classification management according to the commodity categories, and performs different special management on each category by adopting a special management mode of each category.
Further, in the above-mentioned case,
the financial service platform controls the financial pool generated in the platform transaction process to carry out the management and control of account, risk and wind investment.
The invention has the beneficial effects that: the invention provides a commodity transaction circulation system, which comprises a spot transaction platform; the credit evaluation platform can collect credit data of a user or a resident enterprise to determine credit levels, and different services are preset for different credit levels; the risk management platform can uniformly manage the transaction process of the user or the resident enterprise and control the transaction risk of the user or the resident enterprise; the database marketing platform can utilize a multi-party database to explore potential markets; the core enterprise management platform independently manages the core resident enterprises and can provide independent excellent service for the core resident enterprises; the transaction management platform controls the spot transaction, and can comprehensively control the spot transaction process; the financial service platform controls the platform financial pool, so that the safety and the extra income of the platform financial pool can be guaranteed; the whole system can provide guarantee for each link of commodity circulation, so that commodities can be smoothly circulated, each link of the circulation is implemented according to rules, and management normalization is achieved.
Drawings
In order to more clearly illustrate the detailed description of the invention or the technical solutions in the prior art, the drawings that are needed in the detailed description of the invention or the prior art will be briefly described below. Throughout the drawings, like elements or portions are generally identified by like reference numerals. In the drawings, elements or portions are not necessarily drawn to scale.
FIG. 1 is a system architecture diagram of one embodiment of the present invention.
Detailed Description
Embodiments of the present invention will be described in detail below with reference to the accompanying drawings. The following examples are only for illustrating the technical solutions of the present invention more clearly, and therefore are only examples, and the protection scope of the present invention is not limited thereby.
It is to be noted that, unless otherwise specified, technical or scientific terms used herein shall have the ordinary meaning as understood by those skilled in the art to which the invention pertains.
In one embodiment, as shown in fig. 1, the present invention provides a merchandise transaction circulation system, including a spot transaction platform; when the system is implemented, the commodity flow is introduced into the commodity transaction circulation system, the commodity transaction circulation system is provided with the entered user and the resident enterprise to carry out commodity transaction, and in the commodity transaction process:
the spot transaction platform comprises a credit evaluation platform, a risk management platform, a database marketing platform, a core enterprise management platform, a transaction management platform and a financial service platform which are mutually butted;
the credit evaluation platform can collect credit data of the user or the resident enterprise to determine the credit level, and after the credit level of the user or the resident enterprise is determined, different services are preset for different credit levels, for example, an independent customer service channel is arranged for high credit level, and the high credit level can be superior to other users or resident enterprises to enjoy the services in advance; therefore, the user or the resident enterprise can enjoy the service matched with the credit level, and the user experience is improved;
the risk management platform can uniformly manage the transaction process of the user or the resident enterprise and control the transaction risk of the user or the resident enterprise, so that risk guarantee is provided for the user, the resident enterprise and the spot transaction platform at the same time;
the database marketing platform can utilize a multi-party database to explore potential markets, so that larger passenger flow and transaction volume are provided for a spot transaction platform; the Database marketing platform refers to that enterprises or professional organizations carry out relevant marketing analysis on self-accumulated customer information resources, consumer databases and potential market target crowd data by using a Database platform based on IT and Internet technologies, and provide marketing capacity and level of the enterprises in various modes such as electronic publication sending, product and service information transmission, user satisfaction investigation, online sales service and the like by means of the IT and Internet technologies. The marketing application of the database is hardly limited by industry differences, and currently, the most applied industries are as follows: IT, telecommunications, electronic commerce, aviation services, real estate, tourist goods, cosmetics, and the like.
The core enterprise management platform is used for independently managing the core resident enterprises and can provide independent excellent services for the core resident enterprises; independent management can be performed on some core resident enterprises; the core judgment criteria of the core resident enterprise include: whether the market value exceeds a preset value, whether the credit level exceeds a preset level and whether the core entrance fee is paid or not are judged, and if one of the standards is met, the core entrance enterprise is concluded; the management content comprises the following steps: the method provides free or low-price popularization for the core resident enterprises, provides independent supply channels for the core resident enterprises and provides supply guarantee for the core resident enterprises;
the transaction management platform manages and controls the spot transaction, can comprehensively manage and control the spot transaction process, can ensure that the spot transaction process of the spot transaction platform is smooth and error-free, and ensures that a user or an entrusted enterprise can safely, smoothly and quickly complete the spot transaction in the spot transaction;
the financial service platform controls the platform financial pool, so that the safety and the extra income of the platform financial pool can be guaranteed; for example, some financial security measures may be used to prevent risk to the financial pool, and some wind investment measures may be used to obtain some revenue.
In some embodiments, the spot transaction platform comprises a credit evaluation platform, a risk management platform, a database marketing platform, a core enterprise management platform, a transaction management platform and a financial service platform which are mutually connected;
the credit evaluation platform can collect credit data of the user or the resident enterprise to determine the credit level, and after the credit level of the user or the resident enterprise is determined, different services are preset for different credit levels;
with respect to the credit evaluation platform, in particular, the credit evaluation platform collects credit data for evaluating the credit of the user or the resident enterprise from a plurality of platforms; wherein the plurality of platforms comprise a payment platform, a financial platform and a credit investigation platform; the credit evaluation platform can be in butt joint with a plurality of platforms to obtain credit evaluation grades of all the platforms;
and calculating the credit rating of the user or the resident enterprise on the spot transaction platform according to a preset calculation rule and the credit evaluation ratings of all platforms. The predetermined calculation rule may be determined according to the requirement, for example, a weighted average value may be used to calculate the credit rating of the user or the resident enterprise on the spot transaction platform, or other calculation methods may be used to calculate the credit rating.
The risk management platform acquires the credit level, historical order information and overdraft limit of the user or the resident enterprise from the credit evaluation platform, and allocates a credit line for the user or the resident enterprise, wherein the credit line can be credit level or various types of virtual currency or overdraft limit;
when the user or the resident enterprise uses credit for payment, whether the order placing limit of the user or the resident enterprise exceeds the credit line is judged, and if the order placing limit exceeds the credit line, the order placing is refused.
The risk management platform is used for limiting the order placement of the user or the resident enterprise, so that the transaction process of the user or the resident enterprise can be uniformly managed, and the transaction risk of the user or the resident enterprise can be controlled.
In some embodiments, the risk management platform obtains the credit level, historical order information and overdraft limit of the user or the resident enterprise from the credit evaluation platform, and allocates a credit line for the user or the resident enterprise;
when the user or the resident enterprise uses credit for payment, whether the order placing limit of the user or the resident enterprise exceeds the credit line is judged, and if the order placing limit exceeds the credit line, the order placing is refused.
The historical order information comprises the order quantity, the order total amount, the order interval time, the order payment time and the arrearage amount of the user or the resident enterprise. Specifically, the better the historical order information condition of the user or the resident enterprise is, the higher the credit line is; specifically, for example, the larger the order number is, the higher the credit line is; the larger the total amount of the order is, the higher the credit line is; the shorter the order interval time is, the higher the credit line is; the smaller the amount of arrears is, the higher the credit line is.
In the above embodiment, the database marketing platform can utilize the multi-party database to explore potential markets, thereby providing larger passenger flow and transaction volume for the spot transaction platform; specifically, the database marketing platform carries out marketing analysis through customer information resources, a consumer database and a potential market target crowd data database, and explores a potential market through various modes such as electronic publication sending, product information sending, service information sending, user satisfaction investigation, online sales service and the like.
The core enterprise management platform is used for independently managing the core resident enterprises and can provide independent excellent services for the core resident enterprises; independent management can be performed on some core resident enterprises;
in some embodiments, the core enterprise management platform independently promotes the core resident enterprise, independently opens the transaction system and independently opens the financial system;
the independent promotion comprises: the spot transaction platform opens an independent promotion plate to independently promote the core resident enterprise; in specific implementation, for example, an independent board can be opened on a website of a spot transaction platform to specially promote business for a core resident enterprise, so that the core resident enterprise can obtain better service, and the maximum benefit of the core resident enterprise is ensured;
the independent opening transaction system comprises: the spot transaction platform opens an independent transaction system to provide independent order management, transaction management and logistics management for core resident enterprises; for example, the spot transaction platform can allocate special personnel to perform order management for the core resident enterprise, and can also provide a special logistics line to perform logistics service for the core resident enterprise, thereby providing better service for the core resident enterprise;
the independently opened financial system includes: the spot transaction platform opens an independent fund pool to provide money collection and account credit for the core resident enterprise, so that the core resident enterprise can own the independent fund pool, the independent fund pool is not associated with other users or the fund pool of the resident enterprise, the fund pool of the core resident enterprise is safer, a fund chain of the core resident enterprise is guaranteed, and the fund chain cannot be influenced by other users or the resident enterprise using the fund pool.
In some embodiments, the transaction management platform manages and controls spot transactions, can comprehensively manage and control the spot transaction process, can ensure that the spot transaction process of the spot transaction platform is smooth and error-free, and can ensure that a user or an entrusted enterprise can safely, smoothly and quickly complete the spot transaction in the spot transaction;
specifically, the transaction management platform comprises a functional module:
the system comprises a purchase limiting measure module, a commodity traceability module, a customized transaction module and a classification management module;
the purchase limiting measure module performs purchase limiting measures on specific commodities, for example, when some limited amount commodities are sold, the purchase limiting measure module can perform purchase limiting on the limited amount commodities;
the commodity tracing module traces the source of the information of each commodity through a blockchain tracing source, and the commodity information tracing module has the unique properties of decentralization, information non-falsification, multi-node collective maintainability, openness, privacy protection and the like, and can trace the information of the production area, the production time and the like of the commodity by adopting the blockchain tracing, and the information is not falsified, so that the quality of the commodity purchased by a user and a resident enterprise is guaranteed;
the customized transaction module provides commodity customized service for the user or the resident enterprise according to the customized requirement of the user or the resident enterprise, for example, when some commodities or services need to be customized, the customized transaction module can provide customization for the user or the resident enterprise, so that some users or resident enterprises with special requirements can obtain the customized requirement;
the classification management module performs classification management according to the commodity classes, and performs different special management on each class by adopting a special management mode of each class; for example, when managing food commodities, the classification management module performs special management on the food commodities by adopting a food management method, for example, the quality guarantee period is used as the highest management priority to manage and control the food quality; for example, when electronic product commodities are managed, the classification management module performs special management on the electronic product commodities by adopting an electronic product management method, for example, management and control are performed by taking moisture and water resistance as the highest management priority; and when the glass product commodities are managed, for example, the falling and collision prevention are managed and controlled as the highest management priority.
In some embodiments, the financial service platform manages and controls the platform financial pool, so that the safety and the additional benefit of the platform financial pool can be guaranteed; for example, some financial security measures may be used to prevent risk to the financial pool, and some wind investment measures may be used to obtain some revenue. Specifically, the financial service platform manages and controls the financial pool generated in the platform transaction process to carry out account-out management and control, risk management and control and air-drop management and control, the account-in and account-out management and control are the simplest financial access management, the risk management and control is the risk management and control of the financial pool, and the air-drop management and control is that partial movable funds of the financial pool are used for carrying out air-drop to bring benefits for the financial pool.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (8)
1. A commodity transaction circulation system, characterized in that: comprises a spot transaction platform;
the spot transaction platform comprises a credit evaluation platform, a risk management platform, a database marketing platform, a core enterprise management platform, a transaction management platform and a financial service platform which are mutually butted;
the credit evaluation platform can collect credit data of a user or a resident enterprise to determine credit levels, and different services are preset for different credit levels;
the risk management platform can uniformly manage the transaction process of the user or the resident enterprise and control the transaction risk of the user or the resident enterprise;
the database marketing platform is capable of exploring potential markets by utilizing a multi-party database;
the core enterprise management platform is used for independently managing the core resident enterprises and can provide independent excellent services for the core resident enterprises;
the transaction management platform manages and controls spot transactions, and can comprehensively manage and control the spot transaction process;
the financial service platform manages and controls the platform financial pool, and safety and extra income of the platform financial pool can be guaranteed.
2. The commodity transaction circulation system according to claim 1, wherein:
the credit evaluation platform collects credit data used for evaluating the credit of the user or the resident enterprise from a plurality of platforms; wherein the plurality of platforms comprise a payment platform, a financial platform and a credit investigation platform;
acquiring credit evaluation grades of all platforms;
and calculating the credit rating of the user or the resident enterprise on the spot transaction platform according to a preset calculation rule and the credit evaluation ratings of all platforms.
3. The commodity transaction circulation system according to claim 2, wherein:
the risk management platform acquires the credit level, historical order information and overdraft limit of the user or the resident enterprise from the credit evaluation platform, and allocates a credit line for the user or the resident enterprise;
when the user or the resident enterprise uses credit for payment, whether the order placing limit of the user or the resident enterprise exceeds the credit line is judged, and if the order placing limit exceeds the credit line, the order placing is refused.
4. A commodity transaction circulation system according to claim 3, wherein:
the historical order information comprises the order quantity, the order total amount, the order interval time, the order payment time and the arrearage amount of the user or the resident enterprise.
5. The commodity circulation system according to claim 4, wherein: the database marketing platform carries out marketing analysis through customer information resources, a consumer database and a potential market target crowd data database, and explores a potential market through various modes such as electronic publication sending, product information sending, service information sending, user satisfaction investigation, online sales service and the like.
6. The commodity circulation system according to claim 5, wherein: the core enterprise management platform independently promotes and independently opens a transaction system and a financial system for the core resident enterprise;
the independent promotion comprises: the spot transaction platform opens an independent promotion plate to independently promote the core resident enterprise;
the independent opening transaction system comprises: the spot transaction platform opens an independent transaction system to provide independent order management, transaction management and logistics management for core resident enterprises;
the independently opened financial system includes: the spot transaction platform opens an independent fund pool to provide collection and account credit for core resident enterprises.
7. The commodity circulation system according to claim 6, wherein: the transaction management platform comprises functional modules:
the system comprises a purchase limiting measure module, a commodity traceability module, a customized transaction module and a classification management module;
the purchase limiting measure module carries out purchase limiting measures on the specific commodity;
the commodity tracing module traces the source of each commodity through the block chain;
the customized transaction module provides commodity customized service for the user or the resident enterprise according to the customized requirement of the user or the resident enterprise;
the classification management module performs classification management according to the commodity categories, and performs different special management on each category by adopting a special management mode of each category.
8. The commodity circulation system according to claim 7, wherein: the financial service platform controls the financial pool generated in the platform transaction process to carry out the management and control of account, risk and wind investment.
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| CN202010321547.7A CN111523974A (en) | 2020-04-22 | 2020-04-22 | Commodity transaction circulation system |
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| CN202010321547.7A CN111523974A (en) | 2020-04-22 | 2020-04-22 | Commodity transaction circulation system |
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| CN109308665A (en) * | 2018-09-14 | 2019-02-05 | 上海陌远网络科技有限公司 | A kind of e-commerce financial platform based on big data analysis |
| CN109523349A (en) * | 2018-10-28 | 2019-03-26 | 北京工业大学 | A kind of agricultural product electric business platform traced to the source based on block chain and implementation method |
| CN110443625A (en) * | 2019-08-12 | 2019-11-12 | 苏州通泰易迅网络科技有限公司 | A kind of construction method, system and the device of flow business cross polymerization platform |
| CN110807707A (en) * | 2019-10-30 | 2020-02-18 | 北京玻璃集团公司 | Account receivable financing wind control management system and method based on transaction data |
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2020
- 2020-04-22 CN CN202010321547.7A patent/CN111523974A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109308665A (en) * | 2018-09-14 | 2019-02-05 | 上海陌远网络科技有限公司 | A kind of e-commerce financial platform based on big data analysis |
| CN109523349A (en) * | 2018-10-28 | 2019-03-26 | 北京工业大学 | A kind of agricultural product electric business platform traced to the source based on block chain and implementation method |
| CN110443625A (en) * | 2019-08-12 | 2019-11-12 | 苏州通泰易迅网络科技有限公司 | A kind of construction method, system and the device of flow business cross polymerization platform |
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