CN1926587A - Information consumption individual account - Google Patents
Information consumption individual account Download PDFInfo
- Publication number
- CN1926587A CN1926587A CNA2005800066169A CN200580006616A CN1926587A CN 1926587 A CN1926587 A CN 1926587A CN A2005800066169 A CNA2005800066169 A CN A2005800066169A CN 200580006616 A CN200580006616 A CN 200580006616A CN 1926587 A CN1926587 A CN 1926587A
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- account
- consumption
- consumer
- bank
- credit
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Marketing (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
A personal consuming account comprises a bank balance network and a client transaction terminal. The personal consuming account comprises the following components: a user interface, a client identity unit; an account type unit; a client request unit; a credit card unit and an authority permission unit. The account has the advantages in consumption credit, accrual consumption, and information consumption, therefore accurately, completely, and integrally recording the true trading behavior between the participants, and reducing the bank credit risk, breaking the enterprise financing bottleneck, enlarging the product sales and protecting the consumers' rights.
Description
Technical field
The present invention relates to the financial transaction field, particularly relate to a kind ofly be used to build one's credit, the bank individual account of consumption and interest relation.
Background technology
The personal account of present bank, its something in common has 2 points: 1. account's principal and interest belong to same exchange main body; 2. the direct sources of the capital in the account may be that currency also may be a capital, does not have direct relation with personal consumption.This existing bank individual account is undoubtedly extremely successful in agricultural society's epoch, industrialization epoch.But in information age based on the market economy of credit, that this existing personal account can not guarantee is accurate, complete, write down the real trading activity of commodity and exchange through money each side all sidedly, thereby occurs a series of financial risks and credit disappearance easily.
Goal of the invention
The objective of the invention is to overcome the defective of prior art, a kind of information consumption personal account is provided, its biggest advantage is that consumption is creditable, consumption has interest and consumption informationization.
Summary of the invention
Information consumption personal account of the present invention is large-scale financial market account, it is suitable for user widely, with so that the client carries out various financial transactions, this financial transaction comprises bank transaction and two aspects of production marketing at least, this personal account adopts bank settlement network and client trading terminal, and it specifically comprises following components: user interface, client identity unit, account's kind unit, customer demand unit, credit card unit and authorization unit.
Described user interface has several forms usually, to allow the user enter the information consumption personal account from a plurality of separate sources, these form sources comprise PC, screen phone, ATM device, bank's phone, use the voice call or the client that answer automatically to start terminating machine etc., also can be integrator and other hardware cell of knowing.Usually, also have the client who is used for transmitting product and start the hardware that this class of terminating machine is separated in the user interface, in addition, if the client is when entering in person or with phone, then the user interface is generally teller or phone representative.
Described client identity unit comprises the computer or the workstation of separate procedureization, and as input medias such as keyboard, card reader, Genius mouse or touch-screens, its function is after new client and bank get in touch, data such as record client's name, address can be inquired and import in this identity unit, for old client, this identity unit can be by information such as input account number, name and bank's card numbers to confirm its identity, and whole financial credit situations in the past such as credit card, mortgage, tax reduction and investment of client can be convenient to understand in this unit.
Described account's kind unit comprises computer or the workstation with general utility functions, in order to account's kind and the data such as flow process of opening an account to be provided to the client, the detail of account's kind comprises: the account's of name of account, time limit, first consumption, consumption interest rate and any other needs information such as particular profile, this unit further comprises an input media that is fit to, for client and computer talk, thereby make the client determine to select account's kind and how to accept appropriate service.
Described customer demand unit comprises computer or workstation with general utility functions and the program storage device with certain form, this unit at first allows customer selecting suitable account's kind and required project, then program storage device can according to customer demand under order provide as 24 hours information such as Investment ﹠ Financing information, business finance planning proposal, personal consumption interest rate and related service.
Described credit card unit comprises computer or workstation, clip making machine and the floating seal machine with general utility functions, this unit at first decides client's credit whether to obtain permission according to the financial transaction record before the relevant client of client identity unit storage, then judge line of credit, if after passing through, just can point out user's input card desired data, it comprises kind of cards, line of credit, holder, secondary card, name and photo, and floating then seal machine is made the concurrent client of giving of floating seal bank's card.
The authorization unit comprises computer or workstation and the printer with general utility functions, the information consumption permission project that has or not password is responsible for selecting to set up in this unit, described permission project comprises the article about information consumption at least, the core clause of these article is " the consumption capital in this account partly belongs to enterprise (or trade company) to be owned, and interest returns the consumer individual to own ".Information consumption permission project for no password, this unit at first judges whether to meet permissive condition, if be not inconsistent, then the user can't set up information consumption permission project, if meet, the option of permission project can display message be consumed in this unit, sets up the program of information consumption permission project then; For the information consumption permission project that password is arranged, this unit can demonstrate data such as consumption fund, interest rate, time limit, after selecting corresponding project, and the program that this unit can be set up.The authorization unit is after obtaining whole data or foundation and finishing, the client will be required to read the particulars all about itself, comprise name, the address, work, telephone number etc., the data of these registrations will demonstrate the day remaining sum of opening an account, account number, the consumption number of opening an account, consumption interest rate and time limit etc., then, the authorization unit just prints registration material, the function of printing cooperates paper spare to carry out, be that the client must sign on a series of files, described file comprises: information consumption is jointly applied for, letter of credit, signature card, authorize article explanation and bank book etc., then the jointly enterprise of these file transfers to relevant information consumption put on record.
Information consumption personal account of the present invention is when running, the client at first logins the user interface, and deposit oneself personally identifiable information of record in, customer selecting is fit to the information consumption account kind of oneself then, and the financial transaction demand of oneself can be proposed at any time, so that the information consumption personal account of oneself has significant personalization, then, credit card unit is made the joint name card that has " credit consuming " function sign according to the detailed programs of information consumption personal account, the authority of this joint name card limits constraint by the authorization unit, like this, the client, just formed the information consumption relation between bank and the trade company of enterprise, by information consumption personal account of the present invention, fund when the consumer is bought commodity consumption puts under in the account that bank sets up specially for the consumer, then opening entry client's consumer credit and consumption fixed-term interest, like this, deduct capital when the account expires end, its interest is just incorporated into consumer individual, and the fund of enterprise solves by bank and enterprise's form of credit.Therefore, the notable feature of this information consumption personal account is: 1. capital derives from the directly result of consumption of individual client in account's generation and the account; 2. account's principal and interest belong to different exchange main bodys, and account's capital part does not belong to consumer individual, and interest belongs to consumer individual; 3. the capital in the account necessarily derives from consumer's a commodity consumption, and promptly the individual consumer has obtained commodity, and the dealing money that the size of capital is paid with consumer individual's true consumption equates.
Information consumption personal account of the present invention specifically can have three kinds of different optimal way at the financial institution of different stage:
1. be defined as personal consumption financing account's a class.The information consumption personal account is used as a type of management of personal money account in the individual of the present commercial bank business to be realized.Formulate the special article of corresponding informance consumption personal account.The core clause of article is " the consumption capital in this account partly belongs to enterprise (or trade company) to be owned, and interest returns the consumer individual to own ".Initiate professional application and the log-on message consumption personal account of directly accepting the client by bank.This way is fit to commercial bank's current operation level operations, and cost is very low.
2. directly be defined as specified account.The information consumption personal account is directly listed in and personal savings account, clearing account number the third account unit arranged side by side.Be defined as: record personal consumption credit and consumption interest specified account, and formulate corresponding article.Adopt existing bank settlement networking unit and client trading terminal, just the currency of holding during with client's consumer sale in merchant bank (bank of deposit of trade company) (cash or bank card) is directly corresponding to the information consumption personal account.This way is fit to implement after commercial bank puts supervision department on record, and cost is very low.
3. state compulsion is implemented.Central Bank, banking supervision department are in order to set up the personal consumption credit system, prevent financial risk, commodity, the moneytary operations order of enterprise, bank and the consumer's harmony of setting up, directly issue the account management regulations, set up credit, interest consumption personal account unit, the unified article of issue by commercial bank's system, put teeth in as a Financial Engineering.
The beneficial effect of the invention
Information consumption personal account of the present invention be owing to can write down commodity accurate, complete, all sidedly and exchange through money each side real trading activity, thereby can reduce the bank credit risk, breaks through the financing bottleneck of enterprise and enlarge production marketing, protection consumers' rights and interests; It not only can guarantee the authenticity and the validity of credit system, and can keep extremely low social cost and cost, and has solved the cost problem of the credit system data distortion and the system that builds one's credit.
Description of drawings
Fig. 1 is the synoptic diagram of an embodiment of information consumption personal account of the present invention;
Embodiment
With embodiment information consumption personal account of the present invention is done explanation in further detail with reference to the accompanying drawings.
Shown in Figure 1 is a specific embodiment of information consumption personal account of the present invention, the object of action of present embodiment comprises the consumer, bank, information consumption authorized party and production marketing enterprise, at first, the client logins the user interface, client described here comprises the consumer, information consumption authorized party and production marketing enterprise, the client identity authentication data is deposited in record, customer selecting is fit to the information consumption account kind of oneself then, and the financial transaction demand of oneself can be proposed at any time, so that the information consumption personal account of oneself has significant personalization, here, bank is the cooperation carrier, make the joint name card that has " credit consuming " function sign by credit card unit, and the issuing working of responsible card; The information consumption authorized party authorizes the right that production marketing enterprise uses information consumption by the authorization unit, authorized bank uses the design of information consumption personal account type simultaneously, present embodiment is when practical operation, provide the backstage interface by bank, information consumption mandate square tube provides terminal device and is responsible for market development, give bank Filing of contract then, like this, the consumer, bank, just formed the relation of information consumption between information consumption authorized party and the production marketing enterprise according to the article of credit consuming, thereby can guarantee that the client consumes stamp the card (sell goods of buying production marketing enterprise), after client's consumption, its credit record enters in the information consumption Joint account, then this account opening entry consumer credit and consumption fixed-term interest, deduct capital when the account expires end, its interest incorporates consumer individual into, and the fund of enterprise solves by bank and enterprise's form of credit.
Above-described only is preferred implementation of the present invention.Should be pointed out that for the person of ordinary skill of the art under the prerequisite that does not break away from the principle of the invention, can also make some modification and improvement, these also should be considered as belonging to protection scope of the present invention.
Claims (2)
1. information consumption personal account, it is characterized in that: this personal account adopts bank settlement network and client trading terminal, the consumer is held fund when buying commodity consumption to be put under in the account that bank sets up specially for the consumer, and opening entry consumer credit and consumption fixed-term interest, deduct capital when expiring end, interest incorporates consumer individual into, and the fund of enterprise solves by bank and enterprise's form of credit.
2. information consumption personal account according to claim 1 is characterized in that: the principal and interest of described personal account belong to different objects, and account's capital part does not belong to consumer individual, and interest belongs to consumer individual; Capital in the account necessarily derives from consumer's a commodity consumption, and promptly the individual consumer has obtained commodity, and the dealing money that the size of capital is paid with consumer individual's true consumption equates.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200510066213 CN1741075A (en) | 2005-04-25 | 2005-04-25 | 'Information consumption' personal account |
| CN200510066213.5 | 2005-04-25 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1926587A true CN1926587A (en) | 2007-03-07 |
Family
ID=36093445
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200510066213 Pending CN1741075A (en) | 2005-04-25 | 2005-04-25 | 'Information consumption' personal account |
| CNA2005800066169A Pending CN1926587A (en) | 2005-04-25 | 2005-07-08 | Information consumption individual account |
Family Applications Before (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200510066213 Pending CN1741075A (en) | 2005-04-25 | 2005-04-25 | 'Information consumption' personal account |
Country Status (2)
| Country | Link |
|---|---|
| CN (2) | CN1741075A (en) |
| WO (1) | WO2006114023A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108053273A (en) * | 2017-09-15 | 2018-05-18 | 胡金钱 | The credit method realized based on smart machine |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104361520A (en) * | 2014-11-18 | 2015-02-18 | 刘晋峰 | Wealth account establishing and wealth transaction implementation method |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6070153A (en) * | 1997-11-21 | 2000-05-30 | Simpson; Mark S. | System and method for automatically investing a portion of a credit card interest charged amount in an investment account |
| US20060178986A1 (en) * | 2000-02-17 | 2006-08-10 | Giordano Joseph A | System and method for processing financial transactions using multi-payment preferences |
| SE0003456L (en) * | 2000-09-27 | 2001-09-03 | Nybohov Dev Ab | Procedures for valuing monetary amounts |
| JP2002222312A (en) * | 2000-11-24 | 2002-08-09 | Sony Corp | Device and method for managing individual account, storage medium storing individual account managing program, individual account managing program, customer preferential treatment device, customer preferential treatment method, storage medium storing customer preferential treatment program and customer preferential treatment program |
-
2005
- 2005-04-25 CN CN 200510066213 patent/CN1741075A/en active Pending
- 2005-07-08 WO PCT/CN2005/001001 patent/WO2006114023A1/en active Application Filing
- 2005-07-08 CN CNA2005800066169A patent/CN1926587A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108053273A (en) * | 2017-09-15 | 2018-05-18 | 胡金钱 | The credit method realized based on smart machine |
| CN108053273B (en) * | 2017-09-15 | 2023-01-31 | 胡金钱 | Credit method realized based on intelligent equipment |
Also Published As
| Publication number | Publication date |
|---|---|
| CN1741075A (en) | 2006-03-01 |
| WO2006114023A1 (en) | 2006-11-02 |
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