CN205176935U - Finance transaction information processing system - Google Patents
Finance transaction information processing system Download PDFInfo
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- CN205176935U CN205176935U CN201520857326.6U CN201520857326U CN205176935U CN 205176935 U CN205176935 U CN 205176935U CN 201520857326 U CN201520857326 U CN 201520857326U CN 205176935 U CN205176935 U CN 205176935U
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Abstract
The utility model provides a finance transaction information processing system, include: the platform is brought together in debt -credit terminal equipment, investment terminal equipment and debt -credit, the debt -credit terminal equipment be connected with a communication interface, and a communication interface is connected with the debt -credit equipment of preventing assuming another's name with application information service ware respectively, and application information service ware is brought the server together with member data memory cell, risk review and examination server financial management server and transaction respectively and is connected, prevent assuming another's name debt -credit equipment and still be connected with application information service ware, member data memory cell, risk review and examination server and financial management server respectively, the investment terminal equipment be connected with the 2nd communication interface, and the 2nd communication interface is connected with application information service ware, the transaction is brought the server together and still is connected with member data memory cell, risk review and examination server. This system can improve security and operating efficiency, and the user of being convenient for uses.
Description
Technical field
The utility model relates to a kind of financial transaction information disposal system.
Background technology
Along with developing rapidly of social economy and infotech, people increase day by day for the demand of fund, and at present, user can only be undertaken borrowing or lending money or investing by bank or personalized lending market usually.Although bank can provide individual or that business risk is low safety debt-credit or service on investment, but user needs in person to handle to bank or borrower's company, the process of handling must through the examination & verification of strict status or guarantee condition, and the cycle of handling is long, often cause the inconvenience of individual or enterprise, inefficiency.
And if adopt e-platform or traditional network equipment, then exist capital amount low, have a big risk, not easy to operate, personal information easily reveals equivalent risk.Therefore, a kind of safe, fast, efficient financial transaction platform of current general requirements processes user profile and financial transaction demand.
Utility model content
For above-mentioned defect, the utility model provides a kind of financial transaction information disposal system, while ensureing high repayment rate, improves security and operating efficiency with process of providing a loan user, user-friendly.
The utility model provides a kind of financial transaction information disposal system, comprising: platform is brought in debt-credit terminal device, investment terminal device and debt-credit together; Described debt-credit is brought platform together and is comprised: the first communication interface, second communication interface, application information server, member data storage unit, risk examination & verification server, financial management server, transaction bring server and anti-debt-credit equipment of assuming another's name together;
Described debt-credit terminal device is connected with described first communication interface, and described first communication interface is respectively with described application information server with describedly anti-assume another's name to borrow or lend money equipment connection; Described application information server is audited server, described financial management server and described transaction respectively and is brought server together and be connected with described member data storage unit, described risk, to make to borrow or lend money the membership related information of terminal device by described first communication interface transmission described in described member data cell stores, borrow or lend money the notarization relevant information that terminal device is sent by described first communication interface described in risk examination & verification server stores, described in financial management server stores, borrow or lend money the account-related information that terminal device is sent by described first communication interface; Described anti-debt-credit equipment of assuming another's name also audit server with application information server, described member data storage unit, described risk respectively and described financial management server is connected, and to verify and indicate described application information server to make described debt-credit equipment of preventing assuming another's name to described membership related information, described notarization relevant information and described account-related information; Described investment terminal device is connected with described second communication interface, and described second communication interface is also connected with described application information server; Described transaction is brought server together and is also audited server with described member data storage unit, described risk and be connected.
System as above, described first communication interface and described second communication interface are cloud network interface; Described debt-credit terminal device is connected with described first communication interface by cloud network, and described investment terminal device is connected with described second communication interface by cloud network.
System as above, described debt-credit is brought platform together and is also comprised: for transmitting the loan information server of credit requirement information between described debt-credit terminal device and described investment terminal device; Described loan information server is brought server, described first communication interface and described second communication interface respectively together and is connected with described transaction.
System as above, described debt-credit is brought platform together and is also comprised: contract examination & verification server, brings server, described first communication interface and described second communication interface respectively together be connected with described transaction.
System as above, described debt-credit is brought platform together and is also comprised: conclusion of the business capital management server, brings server, described first communication interface and described second communication interface respectively together be connected with described transaction.
System as above, described financial management server is also connected with described first communication interface and described second communication interface respectively.
Financial transaction information disposal system of the present utility model, bring together in platform to be respectively debt-credit terminal device and to invest terminal device in credit and communication interface is provided, this communication interface can be connected to by such as cloud network etc. respectively to make the debt-credit terminal device in system and investment terminal device, on the one hand, borrow or lend money terminal device by the application information server interaction in communication interface and platform to submit loan application information to, on the other hand, invest terminal device and also invest application information by the application information server interaction in communication interface and platform to submit to.Audit server with member's data storage cell and risk respectively due to application information server to be connected, the relevant information of therefore above-mentioned debt-credit user and the relevant information of investment user all can exist in member data storage unit by application information server, the account-related information submitted to by interface by financial management server stores debt-credit terminal device, and audit server stores by risk and borrow or lend money notarization relevant information that terminal device submitted to by interface and the credit of carrying out above-mentioned user is audited, assume another's name debt-credit equipment to membership related information by anti-, notarization relevant information and account-related information are carried out verifying and are indicated application information server.Bring server together due to transaction to audit server with application information server, member data storage unit and risk and be connected, therefore, conclude the business bring together server can by with the carrying out debt-credit transaction alternately and bring together of above-mentioned server and storage unit.By the various equipment compositions in said system and mutual annexation thereof, while user's process of providing a loan ensures high repayment rate, improve security and operating efficiency, user-friendly.
Accompanying drawing explanation
Fig. 1 is the configuration diagram of a financial transaction information disposal system of the present utility model embodiment;
Fig. 2 is the configuration diagram of another embodiment of financial transaction information disposal system of the present utility model.
Embodiment
Be below, by specific instantiation, embodiment of the present utility model is described, those skilled in the art can understand effect of the present utility model and feature easily by content disclosed in the present specification.Certainly, the utility model is also implemented by other different specific embodiments or is applied.
Fig. 1 is the configuration diagram of a financial transaction information disposal system of the present utility model embodiment, and as shown in Figure 1, this system comprises:
Platform 12 is brought in debt-credit terminal device 10, investment terminal device 11 and debt-credit together; Debt-credit is brought platform 12 together and is comprised: the first communication interface 121, second communication interface 122, application information server 123, member data storage unit 124, risk examination & verification server 125, transaction bring server 126, financial management server 127 and anti-debt-credit equipment 128 of assuming another's name together;
Debt-credit terminal device 10 is connected with the first communication interface 121, and the first communication interface 121 is connected with application information server 123 and anti-debt-credit equipment 128 of assuming another's name respectively;
Application information server 123 is audited server 125, financial management server 127 and transaction respectively and is brought server 126 together and be connected with member's data storage cell 124, risk, the membership related information of borrowing or lending money terminal device 10 and being sent by the first communication interface 121 is stored to make member data storage unit 124, risk examination & verification server 125 stores the notarization relevant information that debt-credit terminal device 10 is sent by the first communication interface 121, and financial management server 127 stores the account-related information that debt-credit terminal device 10 is sent by the first communication interface 121;
Anti-debt-credit equipment 128 of assuming another's name also audits server 125 with application information server 123, member data storage unit 124, risk respectively and financial management server 127 is connected, and verifies to make anti-assume another's name debt-credit equipment 128 pairs of membership related information, notarization relevant information and account-related information and indicate application information server 123;
Investment terminal device 11 is connected with second communication interface 122, and second communication interface 122 is also connected with application information server 123;
Transaction is brought server 126 together and is also audited server 125 with member's data storage cell 124, risk and be connected.
Wherein, the terminal device that the debt-credit terminal device 10 in system uses for debt-credit user, comprises but the non-terminal device being limited to the types such as flat computer, notebook computer, desk-top computer, mobile phone and PDA.Similar, the terminal device that investment terminal device 11 uses for investment user can be the terminal device of the above-mentioned type equally.
Above-mentioned debt-credit terminal device 10 and investment terminal device 11 can be connected to the communication interface of borrowing or lending money and brining together in platform 12 by various types of network.The particular type of communication interface and the type matching of terminal equipment access network.Preferably, first communication interface 121 and second communication interface 122 can be cloud network interface, then borrow or lend money terminal device 10 to be connected with the first communication interface 121 by cloud network, investment terminal device 11 can be connected with described second communication interface 122 by cloud network.Be understandable that, debt-credit terminal device 10 and investment terminal device 11 can also be connected to the communication interface of borrowing or lending money and brining together in platform 12 by the wired or wireless network of other types, correspondingly, communication interface can be also wireless communication interface or wired communication interface etc., not in this, as restriction.
Application information server 123 in system, risk examination & verification server 125, transaction bring server 126, financial management server 127 and anti-debt-credit equipment 128 of assuming another's name together, can, for having the autonomous device of data processing function, also can be all the hardware device with processing capacity be integrated in other equipment.Member data storage unit 124 can be the independent storage devices with memory function, or also can be integrated in the storage medium etc. in other equipment.
Concrete, bring together in platform 12 to be respectively debt-credit terminal device 10 and to invest terminal device 11 in credit and communication interface is provided, this communication interface can be connected to by such as cloud network etc. respectively to make the debt-credit terminal device 10 in system and investment terminal device 11, on the one hand, debt-credit terminal device 10 is mutual to submit reception Application information to by the application information server 123 in communication interface and platform, on the other hand, invest terminal device 11 and also invest application information to submit to alternately by the application information server 123 in communication interface and platform.Audit server 125 with member's data storage cell 124 and risk respectively due to application information server 123 to be connected, the relevant information of therefore above-mentioned debt-credit user and the relevant information (membership information or real name information etc.) of investment user all can exist in member data storage unit 124 by application information server 123, the account-related information of borrowing or lending money terminal device 10 and being submitted to by interface is stored by financial management server 127, and audit server 125 by risk and store the notarization relevant information submitted to by interface of debt-credit terminal device 10 and (include but not limited to creditor-debtor entry, reference information, credit record etc.) and carry out above-mentioned user credit examination & verification, by anti-debt-credit equipment 128 pairs of membership related information of assuming another's name, notarization relevant information and account-related information carry out verifying (such as carrying out cross validation's checking etc.) and indicating application information server 123.Bring server 126 together due to transaction to audit server 125 with application information server 123, member data storage unit 124 and risk and be connected, therefore, transaction bring together server 126 can by with the carrying out debt-credit transaction alternately and bring together of above-mentioned server and storage unit.
Further, financial management server 127 can also be connected 122 with the first communication interface 121 and second communication interface respectively and connect, therefore, debt-credit terminal device 10 and investment terminal device 11 respectively can be mutual with financial management server 127, can monitor, record and process the bank settlement of money-lender and investor, collection money and bad accounts process etc. to make financial management server 127.Its concrete rule can be determined according to each financial sector and no actual demand, and not in this, as restriction.For example, if money-lender and investor do not carry out appropriating funds or refunding or break a contract in the appointed day, financial management server 127 can by with debt-credit terminal device 10 and invest terminal device 11 collection money or bad accounts process operate as early as possible alternately, for example, if money-lender does not refund in the payback period on time, financial management server 127 can carry out dispatching the action of real name contract according to transaction contract, by the follow-up matters service of the legal consultation such as pipeline or lawsuit way of reselling with the interactive assistance investor credits of investing terminal device 11.
It should be noted that, the financial transaction information disposal system that the utility model provides, by the various equipment composition in said system and mutual annexation thereof, what realize between equipment is mutual, thus improve user and to provide a loan the security of process and efficiency, user-friendly.And application information server 123, risk examination & verification server 125, transaction are brought together to the concrete processing procedure of server 126, financial management server 127 and anti-debt-credit equipment 128 inside of assuming another's name, can customize according to the real needs of each financial sector, not make concrete restriction.For example: application information server 123 can by with to borrowing or lending money terminal device 10, invest the information interaction of terminal device 11 and verify to determine whether to add to become a member in full standing to registered user.And terminal device can be sent to member data storage unit by application information server by the application condition information that communication interface sends stores.Above-mentioned application information can include but not limited to the information such as identity data (including but not limited to the information such as name, I.D. font size, the pet name, phone, address and e-mail), account and password, above-mentioned information is stored in member data storage unit, is verified by communication interface for debt-credit terminal device 10, investment terminal device 11 when application information server 123 sends and logins request.
Again for example, risk examination & verification server 125 is by carrying out user credit grading with the information interaction of application information server 123, and this grading can be made after checking borrower's relevant information, checks wrong, does not grade.Investor is made to select investment amount investing on terminal device 11 alternately further by with application information server 123.Concrete credit rating process does not make too much restriction, generally can grade, and determine whether to send credit requirement information by communication interface to investment terminal device according to rating result with reference to proof of identification, occupation, age, marital status income situation, financial resources situation and financial history etc.
The financial transaction information disposal system that the utility model provides, by the various equipment composition in said system and mutual annexation thereof, what realize in system between each equipment is mutual, while user's process of providing a loan ensures high repayment rate, improve security and operating efficiency, user-friendly.And the mutual application information to borrowing or lending money terminal device of risk examination & verification server and application information server is audited, thus realizing the investment demand information sending the good person of credit rating to investment terminal device, coordination improves the efficiency of investment of whole borrowing process and improves security of system.
Fig. 2 is the configuration diagram of another embodiment of financial transaction information disposal system of the present utility model, as shown in Figure 2, on basis embodiment illustrated in fig. 1, above-mentioned debt-credit is brought platform 12 together and can also be comprised: for transmitting the loan information server 129 of credit requirement information between debt-credit terminal device 10 and investment terminal device 11; Loan information server 129 brings server 126, first communication interface 121 together with transaction respectively and second communication interface 122 is connected.
Concrete, because loan information server 129 is connected with the first communication interface 121 and second communication interface 122 respectively, therefore can obtain by above-mentioned interface the credit requirement information that debt-credit terminal device 10 sends also audit by rear at risk examination & verification server 125, by with the mutual of investment terminal device 11 and send credit requirement information and receive investing tip.It should be noted that, loan information server 129 can determine investor in different ways according to the demand of the regulation of different financial sector and user.For example, the credit requirement that loan information server 129 can borrow or lend money terminal device 10 transmission is divided into ten equal portions, show that the interest that investment is made a profit is distributed according to the ratio between investments information received from investment terminal device 11.Transaction is brought server 126 and loan information server 129 together and is obtained this information alternately and carry out ratio between investments and determine the investor that one or multiple investment terminal device 11 is corresponding.
Further, debt-credit is brought platform 12 together and can also be comprised: contract examination & verification server 130, brings server 126, first communication interface 121 together respectively and second communication interface 122 is connected with transaction.
Because contract examination & verification server 130 is connected with the first communication interface 121 and second communication interface 122 respectively, therefore, can by above-mentioned interface respectively with debt-credit terminal device 10 with invest terminal device 11 and determine loan agreement alternately and be stored in contract to audit in server 130, conclude the business and bring server 126 together and also can be brought together by the transaction of carrying out alternately auditing server 130 with contract.Such money-lender can know loan agreement by debt-credit terminal device 10, and investor also can know loan agreement by investment terminal device 11, thus both sides can perform debt-credit transaction operation according to contract.Follow-up, the relevant operation that platform can also perform the normal operation of funds transaction energy is brought in debt-credit together, the debt-credit member data storage unit 124 brought together in platform can also store legal proceedings information corresponding to the various violation of agreement of money-lender, inquires about acquisition consulting service for investor by investment terminal device 11.
Further, debt-credit is brought platform 12 together and can also be comprised: conclusion of the business capital management server 131, brings server 126, first communication interface 121 together respectively and second communication interface is connected 122 with transaction.
Connect because conclusion of the business capital management server 131 is connected 122 with the first communication interface 121 and second communication interface respectively, therefore, money-lender can carry out refund operation by debt-credit terminal device 10 with conclusion of the business capital management server 131 alternately, same, investor also can carry out appropriation operation by investment terminal device 11 with conclusion of the business capital management server 131 alternately.And the capital management server 131 that strikes a bargain specifically can be determined appropriation, refund and borrow or lend money the formation one conclusion of the business fund information such as service charge according to the regulation of different financial sector and concrete user's request.For example, such as: can the appointed day, the setting amount of the loan, by stages issue, setting investment amount, during loan and annual interest rate etc., but not in this, as restriction.
Further, the financial transaction information disposal system that the utility model provides also can further expand its framework, marketing service device, ipam server, law works server, system server and system maintenance server etc. can be included but not limited to, bring plateform system in order to make platform user together by debt-credit of the present utility model and efficiently carry out debt-credit and bring together.
Financial transaction information disposal system of the present utility model, debt-credit terminal device 10 in system and investment terminal device 11 carry out alternately by each server in communication interface and platform and datum number storage according to storehouse, carry out safety and enter debt-credit fast concluding the business by network for plural user, and financial transaction information disposal system of the present utility model is mainly for P-2-P technology collaborative business pattern institute framework, be that those skilled in the art are intelligible as described P-2-P technology, therefore must do not do repeat more at this.
And this system can under management and supervision be brought in the debt-credit of rigorous finance together, efficient risk assessment and investment quality management are provided, simplify human cost and debt-credit activity duration, traditional bank indirect finance can be solved, examination & verification operation is numerous and diverse and need assure the shortcomings such as condition, have and exempt from guarantee, fast, the advantage that complete privacy and contract ensure, and investor can determine investment amount and the interest on investment according to the credit rating information of money-lender, be suitable for small amount to invest and the rate of return on investment that can meet expection, improve user to provide a loan the security of process and efficiency, user-friendly.
Explanation in accompanying drawing explanation disclosed herein and embodiment is only not used to for ease of understanding intension of the present utility model limit the utility model; and when not departing from purport of the present utility model and spirit; those skilled in the art are carried out by other different embodiments or are applied, but still are encompassed in scope of patent protection that the utility model advocates.
Claims (6)
1. a financial transaction information disposal system, is characterized in that, comprising: platform is brought in debt-credit terminal device, investment terminal device and debt-credit together; Described debt-credit is brought platform together and is comprised: the first communication interface, second communication interface, application information server, member data storage unit, risk examination & verification server, financial management server, transaction bring server and anti-debt-credit equipment of assuming another's name together;
Described debt-credit terminal device is connected with described first communication interface, and described first communication interface is respectively with described application information server with describedly anti-assume another's name to borrow or lend money equipment connection;
Described application information server is audited server, described financial management server and described transaction respectively and is brought server together and be connected with described member data storage unit, described risk, to make to borrow or lend money the membership related information of terminal device by described first communication interface transmission described in described member data cell stores, borrow or lend money the notarization relevant information that terminal device is sent by described first communication interface described in risk examination & verification server stores, described in financial management server stores, borrow or lend money the account-related information that terminal device is sent by described first communication interface;
Described anti-debt-credit equipment of assuming another's name also audit server with application information server, described member data storage unit, described risk respectively and described financial management server is connected, and to verify and indicate described application information server to make described debt-credit equipment of preventing assuming another's name to described membership related information, described notarization relevant information and described account-related information;
Described investment terminal device is connected with described second communication interface, and described second communication interface is also connected with described application information server;
Described transaction is brought server together and is also audited server with described member data storage unit, described risk and be connected.
2. system according to claim 1, is characterized in that, described first communication interface and described second communication interface are cloud network interface; Described debt-credit terminal device is connected with described first communication interface by cloud network, and described investment terminal device is connected with described second communication interface by cloud network.
3. system according to claim 1, is characterized in that, described debt-credit is brought platform together and also comprised: for transmitting the loan information server of credit requirement information between described debt-credit terminal device and described investment terminal device;
Described loan information server is brought server, described first communication interface and described second communication interface respectively together and is connected with described transaction.
4. system according to claim 1, is characterized in that, described debt-credit is brought platform together and also comprised: contract examination & verification server, brings server, described first communication interface and described second communication interface respectively together be connected with described transaction.
5. system according to claim 1, is characterized in that, described debt-credit is brought platform together and also comprised: conclusion of the business capital management server, brings server, described first communication interface and described second communication interface respectively together be connected with described transaction.
6. system according to claim 1, is characterized in that, described financial management server is also connected with described first communication interface and described second communication interface respectively.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201520857326.6U CN205176935U (en) | 2015-10-30 | 2015-10-30 | Finance transaction information processing system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201520857326.6U CN205176935U (en) | 2015-10-30 | 2015-10-30 | Finance transaction information processing system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN205176935U true CN205176935U (en) | 2016-04-20 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201520857326.6U Expired - Fee Related CN205176935U (en) | 2015-10-30 | 2015-10-30 | Finance transaction information processing system |
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| CN (1) | CN205176935U (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109104471A (en) * | 2018-07-26 | 2018-12-28 | 新疆玖富万卡信息技术有限公司 | A kind of method of recommendation service, management server and recommendation server |
| CN111626851A (en) * | 2020-04-02 | 2020-09-04 | 国金区块链科技(杭州)有限公司 | Transaction data management system based on block chain technology and management method thereof |
| CN112365337A (en) * | 2020-11-09 | 2021-02-12 | 中国农业银行股份有限公司 | Method, device, server and storage medium for identifying impersonated loan |
-
2015
- 2015-10-30 CN CN201520857326.6U patent/CN205176935U/en not_active Expired - Fee Related
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109104471A (en) * | 2018-07-26 | 2018-12-28 | 新疆玖富万卡信息技术有限公司 | A kind of method of recommendation service, management server and recommendation server |
| CN111626851A (en) * | 2020-04-02 | 2020-09-04 | 国金区块链科技(杭州)有限公司 | Transaction data management system based on block chain technology and management method thereof |
| CN112365337A (en) * | 2020-11-09 | 2021-02-12 | 中国农业银行股份有限公司 | Method, device, server and storage medium for identifying impersonated loan |
| CN112365337B (en) * | 2020-11-09 | 2023-08-18 | 中国农业银行股份有限公司 | Method, device, server and storage medium for identifying imposition loan |
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| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20160420 Termination date: 20171030 |