CN1892714A - System and method for realizing personal self-aid reimbursement business - Google Patents
System and method for realizing personal self-aid reimbursement business Download PDFInfo
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- CN1892714A CN1892714A CNA2005100275363A CN200510027536A CN1892714A CN 1892714 A CN1892714 A CN 1892714A CN A2005100275363 A CNA2005100275363 A CN A2005100275363A CN 200510027536 A CN200510027536 A CN 200510027536A CN 1892714 A CN1892714 A CN 1892714A
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Abstract
The present invention relates to a personal self-help repayment service system and method. Said system includes in turn connected bankcard service platform, repayment service treatment platform, application services platform and repayment unit; wherein said repayment unit ciphering deal message, adopts FSK communication protocol transmitting to repayment service treatment platform; repayment service treatment platform deciphering and converting user enciphered message and making validity verifying, making service logical analysis to form fitting service required charging method and service method and generating operation flow definition, according to operation flow definition making message standardization processing, respectively originating relevant service deal request to bankcard service platform and application services platform; bankcard service platform and application services platform feeding back processed results to repayment service treatment platform, processing platform analysing feeding back result, submitting charging method and operational approach and notifying repayment unit, thereby constructing a safety and convenient personal self-help repayment operation system and method.
Description
Technical field
The present invention relates to a kind of system and method for realizing personal self-aid reimbursement business, specifically, relate to a kind of reimbursement business based on bank card that uses towards personal self-aid, is market-oriented safe, convenient, reimbursement business system and method efficiently.
Background technology
Along with carrying out of domestic Golden Card Program, the especially establishment of China Unionpay is obtaining remarkable achievement aspect the bank card " online general use ", and the issued volume of bank card constantly increases, and the use of bank card is also universal day by day.Because the convenience and the security of bank card make and carry out more prevalent based on the reimbursement business of bank card.Though, at present carry out more extensive based on the reimbursement business of bank card, simultaneously, modes such as Web bank, Mobile banking, online payment also obtain application to a certain degree, but, make people still be more prone to the banking office and carry out reimbursement business because originally there is certain defective in these modes in aspects such as safety controllability, eases of use.And handle various reimbursement business based on bank card in the banking office, will inevitably increase road and time cost.Present reimbursement business includes but not limited to: the inter-bank account transfer of credit card refund, repaying, bank card, payment utilities expense, premium payment etc.
1, credit card is refunded:
The mechanism of credit card has determined the holder to consume earlier, refunds again.And each issuing bank stipulates all that generally the holder holds the interest-free phase in certain time limit that credit card purchase enjoys, in the free of interest phase, refund, then issuing bank does not collect any interest to the holder, in case and the holder fails to refund in the phase at this free of interest, then issuing bank will collect overdraft interest and overdue fine to it.Therefore, can in time make things convenient for refund will directly have influence on the credit card whether user selects this issuing bank.
At present for the holder, the situation that generation can not in time be refunded not is to be because there is not ability to repay, but not easily method refund.Mainly there is following several mode in the credit card mode of repayment that just present each big bank provides:
(1), refund in the site: promptly directly carry out the cash reimbursement business to the site sales counter of issuing bank by the holder.There are two big shortcomings in this mode, one, because the site of issuing bank is more limited, in case the holder lives or the operational area does not have the site of this issuing bank, it is just inconvenient relatively then to refund; Even two, there is the site of this issuing bank holder's inhabitation or operational area, perhaps can enlarge refund bank outlets by inter-bank way of deposit such as " the cabinet face are logical ", but limited by the site business hours, be typically chosen in and refund two-day weekend, often need to wait in line, wasted a large amount of time;
(2), account transfer is refunded automatically: promptly the balance account of offering in issuing bank by the holder (perhaps debit card) is bound with this credit card account, and the set time of every month, the system by issuing bank deducted automatically to the debt in the credit card.This mode only is applicable to when the issuing bank of debit card and credit card is same bank at present, when if the issuing bank of debit card and credit card is not same, then can't realize automatic deduction, and this passive deduction mode, do not meet the clear financing of user at heart;
(3) thereby, transfer accounts by telephone bank and to realize the refund function: promptly by calling, realize giving back debt in the credit card with the fund in the debit card.Its shortcoming is: one, owing to be directly to input bank card number and password, and security is not high; Two, only support account transfer between the one's own profession card;
(4), realize refunding by Web bank: promptly click the website that enters certain payment gateway, input is produced account number, is changed information such as account number and bank card password over to then, thereby realizes the refund of credit card.Its shortcoming: the website of one, existence personation payment gateway, some website use is similar to the form of payment gateway and steals user's relevant information; Two, be easier to be stolen by the people by keyboard input card number and password ratio, especially all the more so under the situation that has some virus or trojan horse program on the terminal of this online.
In sum, there are many shortcomings in existing refund pattern:
One, holder's deposit often is kept in one or several the debit cards;
Two, the not necessarily same issuing bank of credit card that the holder held and debit card issues; Refund in this case and on convenient and safety, have very big problem;
Three,, then often need a tame bank that money is taken out, and then deposit in to another bank of family if refund by cash;
Four, refund, deposit the stolen possibility of card card number and password in the bank by interconnected network mode;
Summary of the invention
The objective of the invention is to, a kind of system and method for realizing personal self-aid reimbursement business is provided, overcome the technical matters that present reimbursement business convenience is poor, have potential safety hazard.
In order to overcome above technical matters, the present invention adopts following technical scheme:
A kind of system that realizes personal self-aid reimbursement business comprises: the refund machine comprises first encrypting-decrypting module, flow process generation module and message processing module (MPM) in it; The reimbursement business processing platform comprises second encrypting-decrypting module and the 3rd encrypting-decrypting module, data processing module and communication module group in it; This reimbursement business processing platform carries out communication by dialing private line network and refund machine; The bank card business platform that links to each other with the reimbursement business processing platform comprises the 4th encrypting-decrypting module in it; The application service platform that links to each other with the reimbursement business processing platform comprises the 5th encrypting-decrypting module in it; Wherein first encrypting-decrypting module and second encrypting-decrypting module coupling is corresponding, and the 3rd encrypting-decrypting module and the 4th encrypting-decrypting module coupling are corresponding, and the 3rd encrypting-decrypting module and the 5th encrypting-decrypting module coupling are corresponding.That is to say, be provided with a two-way encrypting and decrypting system between refund machine and the reimbursement business processing platform, be provided with a two-way encrypting and decrypting system between reimbursement business processing platform and the bank card business platform, be provided with a two-way encrypting and decrypting system between reimbursement business processing platform and the application service platform.
A kind of method that realizes reimbursement business, comprising the steps: 1) holder starts the reimbursement business handling procedure on the refund machine, swipe the card, the input of password and Transaction Information, the refund machine adopts the FSK communications protocol to send to the reimbursement business processing platform with after these information encryptions; 2) the reimbursement business processing platform carries out protocol conversion and is decrypted by the information to the refund machine, carry out data processing after, initiate transaction request to bank card business platform and application service platform; 3) bank card business platform and application service platform are decrypted checking to the business information that the reimbursement business processing platform sends, and feed back to the reimbursement business processing platform after result is encrypted; 4) after the reimbursement business processing platform is decrypted above-mentioned information, feed back to the refund machine after encrypting again.
Adopt the system and method for aforesaid realization reimbursement business, made up a safety, reimbursement business system easily, a kind of flexible, various reimbursement business disposal route is provided simultaneously.The holder can realize multiple reimbursement business at home.
Description of drawings
Fig. 1 is the self-aid reimbursement business system construction drawing of the embodiment of the invention;
Fig. 2 is the reimbursement business processing system modules figure of the embodiment of the invention.
Embodiment
According to Fig. 1 and Fig. 2, provide a better embodiment of the present invention, and described in detail below, enable to understand better function of the present invention, characteristics.
In order to describe the present invention better, earlier term involved in the present invention is defined as follows:
FSK agreement: a kind of data communication agreement based on the dialing private network.
Bank card: refer to by the distribution of financial institution or credit card company, for obtaining cash or obtaining commodity, the employed E-Payment card of service to franchised business.Comprise credit card, debit card, accurate credit card;
Credit card: be meant to be distributed as and authorize applicant's revolver and issue by financial institution or credit card company, the holder obtains cash, carries out the transfer of funds or obtains commodity, service etc. to franchised business to specific financial institution, and the employed E-Payment card of mode settlement account by appointment.
Debit card: be meant that in hair fastener financial institution deposit the back is obtained cash, carries out the transfer of funds or obtained employed E-Payment cards such as commodity, service to franchised business to specific financial institution.
Accurate credit card: be meant the revolving fund that the holder must deposit certain amount of money according to the requirement of hair fastener financial institution earlier, when the not enough payment of revolving fund account balance, the bank card that can in the credit line that hair fastener financial institution is authorized, overdraw.
Consult Fig. 1, the present invention realizes that the system platform of reimbursement business comprises: refund machine 101, reimbursement business processing platform 102, bank card business platform 103 and application service platform 104.
Refund machine 101 is operated thereon by the holder, realizes the refund bank card, is subjected to the input of information such as money account, the refund amount of money; Reimbursement business processing platform 102 links to each other with refund machine 101, adopts the information interaction of realization of FSK agreement and refund machine 101; Reimbursement business processing platform 102 is connected with application service platform 104 with bank card business platform 103 respectively, finishes the allocation of the funds.
Bank card business platform 103 is meant existing bank card paying system, can finish professional systems such as colleague's account transfer or inter-bank account transfer; Bank card business platform 103 can be the payment platform that is provided by certain bank, also can be the payment platform that is provided by non-bank, for example: banking switching system for settling account; This bank card business platform can be one, also can be a plurality of.
Application service platform is meant the existing money operation system that is subjected to, and as bank card deposit system, insurance deposit system and government utility fare payment system etc., application service platform can be one, also can be a plurality of.
Be provided with a two-way encrypting and decrypting system between refund machine 101 and the reimbursement business processing platform 102, be provided with a two-way encrypting and decrypting system between reimbursement business processing platform 102 and the bank card business platform 103, be provided with a two-way encrypting and decrypting system between reimbursement business processing platform 102 and the application service platform 104.Its basic implementation is, the first encrypting and decrypting module is set in refund machine 101, and the second encrypting and decrypting module is set in reimbursement business processing platform 102, and two encrypting and decrypting modules coupling is corresponding, a said cover bidirectional encipher decryption system above constituting.The formation of other bidirectional encipher decryption systems is similar.Need to prove, reimbursement business processing platform 102 is provided with the bidirectional encipher decryption system respectively and between the refund machine 101, bank card business platform 103, application service platform 104, but is not to set three encrypting and decrypting modules in the reimbursement business processing platform 102.If the encrypting and decrypting algorithm unanimity of three cover bidirectional encipher decryption systems, it obviously also is feasible only setting an encrypting and decrypting module in the reimbursement business processing platform 102.Even set three encrypting and decrypting modules in the reimbursement business processing platform 102, also can be synthesized together, therefore, reality has realized three encrypting and decrypting functions and has been referred to as an encrypting and decrypting module, also do not broken away from principle of the present invention.
Realize the method for reimbursement business, comprise the steps: that A holder starts the reimbursement business handling procedure on the refund machine 101; B according to the prompting of refund machine 101 swipe the card, the input of information such as password, the refund amount of money; The encrypting module of C refund machine 101 sends to reimbursement business processing platform 102 with after these information encryptions; 102 pairs of information that receive of D reimbursement business processing platform are decrypted, carry out pre-service to deciphering back gained information: comprise legitimate verification, generate charging method, generate operation flow etc., standard according to ISO8583 is carried out the message standardization, and sends to bank card business platform 103 and application service platform 104 after encrypting conversion by encrypting module; 103 pairs of information of receiving of E bank card business platform are decrypted, and handle, and return to reimbursement business processing platform 102 after then result being encrypted.102 pairs of information that send from the bank card business processing platform of F reimbursement business processing platform are decrypted, and feed back to application service platform 104 after encrypting.Be decrypted by 104 pairs of information that receive of application service platform, and handle accordingly; Application service platform 104 feeds back to reimbursement business processing platform 102 after result is encrypted, G reimbursement business processing platform is according to the result of bank card business platform 103 and application service platform 104, submit charging method to, and feeding back to refund machine 101 after result encrypted by encrypting module, refund machine 101 can be decrypted the feedback information of encrypting.
Reimbursement business includes but not limited to that credit card is refunded, the inter-bank of bank card is transferred accounts, pays utilities expense business, disbursement insurance expense.Below specify for example by the refund machine and realize the function that credit card is refunded:
1) holder selects " refund " transaction by refund machine 101;
2) refund machine 101 prompting holders " please import the refund amount of money ";
3) holder is by the keyboard input refund amount of money of refund machine 101;
4) refund machine 101 promptings " please import and be subjected to the money number of the account ";
3) the keyboard input of holder by refund machine 101 is subjected to the money number of the account or reads by refund machine 101 card reader to be subjected to the money number of the account;
4) refund machine 101 prompting holders " please brush the refund bank card ";
5) holder swipes the card on the card reader of refund machine;
6) refund machine prompting holder " please input password ";
7) holder is by the code keypad input refund bank card password of refund machine 101, and this password is directly once encrypted by the security module of refund machine 101;
8) after 101 pairs in refund machine was subjected to money number of the account, refund bank card information, encrypts through information such as the refund bank card password after encrypting, the refund amount of money, the communication module by refund machine 101 sent to reimbursement business processing platform 102;
9) reimbursement business processing platform 102 is received after the refund solicited message, decryption information and carry out legitimate verification after, generate the refund charging method, the definition of generation operation flow: the transaction of withholing, credit transaction, convenient gold are collected transaction, and encrypted message key added give as security the request message that the back forms corresponding transaction: withhold transaction and convenient gold are collected transaction, send to bank card business platform 103;
10) bank card business platform 103 is decrypted the information that receives after the checking, and according to the processing of withholing of corresponding transaction request information, and the result of will withholing sends it back reimbursement business processing platform 102 after adding signature;
11) the reimbursement business processing platform 102 decryption verifications processing result information of withholing if successfully withhold information, then adds encrypted message key and gives as security the request message that the back forms the credit transaction, sends to application service platform 104;
12) application service platform 104 is decrypted the information that receives after the checking, and according to the processing of charging of corresponding transaction request information, and the result of will charging sends it back reimbursement business processing platform 102 after adding signature;
13) after reimbursement business processing platform 102 is received successfully credit information, send to the refund machine after the refund result encrypted again;
14) the refund machine with decrypts information after, show Transaction Information, and print and refund with bar;
15) reimbursement business processing platform 102 forms convenient gold and collects the request message of transaction, sends to bank card business platform 103;
16) bank card business platform 103 is decrypted the information that receives after the checking, according to the processing of withholing of corresponding transaction request information, collects convenient gold to the holder, and the result of will withholing sends to reimbursement business processing platform 102 after adding signature;
17) reimbursement business processing platform 102 receives that success withholds after the information, submits charging method to this platform, finishes this transaction of refunding.
What deserves to be explained is make a mistake, also do not influence normally finishing of this reimbursement business even convenient gold is collected.
Capital settlement: after the every day service ending, carry out the corresponding business clearing.Two parts are divided in business accounting: one, by the clearing between bank card business platform and the reimbursement business processing platform, promptly by the bank card business platform according to its clearing form with the account of the allocation of the funds to the reimbursement business processing platform; Two, directly settle accounts by reimbursement business processing platform and application service platform, promptly provide the clearing form by the reimbursement business processing platform, and will settle accounts form and send to its bank of deposit, corresponding fund is put under the bank of deposit of each application service platform by its bank of deposit.
Consult Fig. 2, reimbursement business processing platform of the present invention comprises: refund machine access protocol modular converter 201, service logic analysis module 202, accounting processing module 203, flow process generation module 204, message standardization module 205, communication module group 206 and safety control module 207.Below specify its treatment scheme and method by the credit card reimbursement business:
1) access protocol modular converter 201 carries out data interaction by FSK communications protocol and refund machine, after receiving refund transaction request information, adopts the TCP/IP communications protocol, and solicited message is sent to communication module group 206;
2) after communication module group 206 is submitted to the information of receiving safety control module 207 and is decrypted, decrypted result is sent to service logic analysis module 202;
3) service logic analysis module 202 is received information, carry out legitimate verification after, carry out the service logic analysis, generate the business model meet the business rule definition, and submit to accounting processing module 203;
4) accounting processing module 203 generates business charging method according to the business model that is generated, comprise convenient gold (collecting) computing method, application service expense (collecting) computing method to application service platform to the holder, and after carrying out pre-service, result and business model are submitted to flow process generation module 204;
5) flow process generation module 204 is according to charging method that is produced and business model, the transaction flow definition of business need is satisfied in generation: comprise that the transaction of withholing, credit are concluded the business and convenient gold is collected transaction, flow process generation module 204 is submitted to service logic analysis module 202 with the flow definition that is generated;
6) service logic analysis module 202 is with the flow definition of high priority: message standardization module 205 is submitted in withholing transaction;
7) message standardization module 205 forms the standard transaction request message that satisfies trading rules according to flow definition, submits to communication module group 206;
8) after communication module group 206 is submitted to message safety control module 207 and encrypted, encrypted result is sent the bank card business platform finish the processing of withholing, and wait for and receive return message;
9) after the success information of withholing that will receive of communication module group 206 is submitted to safety control module 207 and is decrypted, send to service logic analysis module 202;
10) service logic analysis module 202 is submitted the flow definition of next priority to: message standardization module 205 is given in the credit transaction;
11) message standardization module 205 forms the standard transaction request message that satisfies trading rules according to flow definition, submits to communication module group 206;
12) after communication module group 206 is submitted to message safety control module 207 and encrypted, encrypted result is sent application service platform finish credit and handle, and wait for and receive return message;
13) after the successful credit information that will receive of communication module group 206 is submitted to safety control module 207 and is decrypted, send to service logic analysis module 202;
14) service logic analysis module 202 is submitted the service application service cost calculating method to, and result is submitted to communication module group 206;
15) after communication module group 206 is submitted to the successful information of receiving safety control module 207 and encrypted, send to access protocol modular converter 201;
16) access protocol modular converter 201 adopts the FSK agreement that information is sent to the refund machine;
17) service logic analysis module 202 is submitted remaining flow definition to by the definition requirement: convenient gold is collected transaction and is given message standardization module 205;
18) message standardization module 205 forms the standard transaction request message that satisfies trading rules according to flow definition, submits to communication module group 206;
19) after communication module group 206 is submitted to message safety control module 207 and encrypted, encrypted result is sent the bank card business platform finish convenient gold and collect processing, and wait for and receive return message;
20) after the successful collection information that will receive of communication module group 206 is submitted to safety control module 207 and is decrypted, send to service logic analysis module 202;
21) service logic analysis module 202 is submitted convenient golden computing method to.
Above-described; it only is preferred embodiment of the present invention; be not in order to limiting scope of the present invention, promptly every simple, equivalence of doing according to the claims and the description of the present patent application changes and modifies, and all falls into the claim protection domain of patent of the present invention.
Claims (17)
1, a kind of system that realizes personal self-aid reimbursement business is characterized in that, comprising:
The refund machine comprises first encrypting-decrypting module, flow process generation module and message processing module (MPM) in it;
The reimbursement business processing platform comprises second encrypting-decrypting module and the 3rd encrypting-decrypting module, data processing module and communication module group in it; This reimbursement business processing platform carries out communication by dialing private line network and refund machine;
The bank card business platform that links to each other with the reimbursement business processing platform comprises the 4th encrypting-decrypting module in it;
The application service platform that links to each other with the reimbursement business processing platform comprises the 5th encrypting-decrypting module in it;
Wherein first encrypting-decrypting module and second encrypting-decrypting module coupling is corresponding, and the 3rd encrypting-decrypting module and the 4th encrypting-decrypting module coupling are corresponding, and the 3rd encrypting-decrypting module and the 5th encrypting-decrypting module coupling are corresponding.
2, the system of realization personal self-aid reimbursement business as claimed in claim 1 is characterized in that, is provided with the access protocol modular converter in the described reimbursement business processing platform, links to each other with described communication module group.
3, the system of realization personal self-aid reimbursement business as claimed in claim 1 is characterized in that, described data processing module comprises the service logic analysis module, with communication module group both-way communication.
4, the system of realization personal self-aid reimbursement business as claimed in claim 1 is characterized in that, described data processing module comprises message standardization module, after the data of reception service logic analysis module, sends to the communication module group.
5, the system of realization personal self-aid reimbursement business as claimed in claim 1 is characterized in that, described data processing module comprises the accounting processing module, receives the business model data that the service logic analysis module is generated.
6, the system of realization personal self-aid reimbursement business as claimed in claim 1 is characterized in that, described data processing module comprises the flow process generation module, and the flow definition that is generated is submitted to the service logic analysis module.
7, a kind of method that realizes reimbursement business comprises the steps:
7-1 holder starts the reimbursement business handling procedure on the refund machine, swipes the card, the input of password and Transaction Information, and the refund machine adopts the FSK communications protocol to send to the reimbursement business processing platform with after these information encryptions;
7-2 reimbursement business processing platform carries out protocol conversion and is decrypted by the information to the refund machine, carry out data processing after, initiate transaction request to bank card business platform and application service platform;
7-3 bank card business platform and application service platform are decrypted checking to the business information that the reimbursement business processing platform sends, and feed back to the reimbursement business processing platform after result is encrypted;
After 7-4 reimbursement business processing platform is decrypted above-mentioned information, feed back to the refund machine after encrypting again.
8, the method for realization reimbursement business as claimed in claim 7 is characterized in that, specifically comprises between reimbursement business processing platform and bank card business platform, the application service platform among described step 7-2 and the step 7-4:
8-1 reimbursement business processing platform carries out protocol conversion and is decrypted by the information to the refund machine, carry out data processing after, send to the bank card business platform;
8-2 bank card business platform is decrypted the information that receives after the checking, and according to the processing of withholing of corresponding transaction request information, and the result of will withholing sends it back the reimbursement business processing platform after adding signature;
The 8-3 reimbursement business processing platform decryption verification processing result information of withholing if successfully withhold information, then adds encrypted message key and gives as security the request message that the back forms the credit transaction, sends to application service platform;
The 8-4 application service platform is decrypted the information that receives after the checking, and according to the processing of charging of corresponding transaction request information, and the result of will charging sends it back the reimbursement business processing platform after adding signature.
As the method for claim 7 or 8 described realization reimbursement business, it is characterized in that 9, described data processing comprises:
Legitimate verification;
The message standardization.
10, the method for realization reimbursement business as claimed in claim 9 is characterized in that, described message standardization defines according to operation flow to be carried out.
11, the method for realization reimbursement business as claimed in claim 10 is characterized in that, described operation flow definition generates by the service logic analysis.
12, the method for realization reimbursement business as claimed in claim 11, it is characterized in that, described service logic analysis comprises: generate the business model that meets the business rule definition, generate business charging method according to the business model that is generated, according to charging method that is produced and business model, generate the operation flow definition of satisfying business need.
13, the method for realization reimbursement business as claimed in claim 12 is characterized in that, described business charging method comprises convenient golden computing method and application service cost calculating method.
14, the method for realization reimbursement business as claimed in claim 10 is characterized in that, described operation flow definition comprises that the transaction of withholing, credit are concluded the business and convenient gold is collected transaction.
15, the method for realization reimbursement business as claimed in claim 7 is characterized in that, once encrypts by the refund machine during input of refund bank card password; Before sending to the reimbursement business processing platform, with encrypted by money number of the account, refund bank card information and the refund amount of money.
16, the method for realization reimbursement business as claimed in claim 7 is characterized in that, described reimbursement business comprises that credit card is refunded, the inter-bank of bank card is transferred accounts, pays utilities expense business and disbursement insurance expense.
17, the method for realization reimbursement business as claimed in claim 8 is characterized in that, the described request message comprise withhold the transaction and convenient gold collect transaction.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005100275363A CN1892714A (en) | 2005-07-01 | 2005-07-01 | System and method for realizing personal self-aid reimbursement business |
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2005100275363A CN1892714A (en) | 2005-07-01 | 2005-07-01 | System and method for realizing personal self-aid reimbursement business |
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| CN1892714A true CN1892714A (en) | 2007-01-10 |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103345685A (en) * | 2013-06-24 | 2013-10-09 | 拉卡拉支付有限公司 | Method and system for mobile payment |
| CN103544074A (en) * | 2012-07-09 | 2014-01-29 | 阿里巴巴集团控股有限公司 | Method and device for verifying service |
| CN110490729A (en) * | 2019-08-16 | 2019-11-22 | 南京汇银迅信息技术有限公司 | A kind of financial user classification method based on user's portrait model |
-
2005
- 2005-07-01 CN CNA2005100275363A patent/CN1892714A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103544074A (en) * | 2012-07-09 | 2014-01-29 | 阿里巴巴集团控股有限公司 | Method and device for verifying service |
| CN103345685A (en) * | 2013-06-24 | 2013-10-09 | 拉卡拉支付有限公司 | Method and system for mobile payment |
| CN110490729A (en) * | 2019-08-16 | 2019-11-22 | 南京汇银迅信息技术有限公司 | A kind of financial user classification method based on user's portrait model |
| CN110490729B (en) * | 2019-08-16 | 2022-11-18 | 南京汇银迅信息技术有限公司 | Financial user classification method based on user portrait model |
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