TWI703525B - Trading market financial cloud processing system - Google Patents

Abstract

A trading market financial cloud processing system includes a trading market trading server, a supplier trading device, and a buyer trading device. The trading market trading server provides suppliers and buyers to trade in the trading market, the supplier trading device is connected to the trading market trading server for the suppliers to check pending payments, and the buyer trading device is connected to the trading market trading server to allow the buyers making payment transactions.

Description

Financial mutual assistance cloud processing system for trading market

The invention relates to a transaction market processing system. In particular, it relates to a cloud processing system for mutual financial assistance in trading markets.

With the increasing advancement of science and technology, the computer industry is also becoming more and more developed. All walks of life can quickly use computers and the Internet to conduct transactions and remittances. In addition, due to the increasing development of the Internet and the increasing popularity of domestic banks, the operating model of banks is gradually changing. Relying solely on deposits or exchange business, earning interest and exchange differences cannot meet the needs of consumers, so The banks are not doing their best, hoping to expand their business and increase profits.

New financial products are used to attract customers to the door, and then good services are used to deeply bind customer loyalty. The change in the competitive environment has prompted banks to become more customer-oriented in their operational thinking. Traditional market transactions are often carried out in cash. In the past, in the traditional transaction market, each underwriter needed to withdraw a large amount of cash to conduct commodity transactions.

With the gradual progress of the times, various payment methods have emerged. However, how to help transaction customers obtain the required funds and ensure related transaction security will help the overall transaction market security and stability Promote.

In view of this, the present invention discloses a transaction market financial mutual assistance cloud processing system, which can facilitate the capital turnover of upstream suppliers, and at the same time increase the convenience and security of collection and payment, so as to facilitate buyers and suppliers to trade through the trading market .

According to an embodiment disclosed in the present invention, it relates to a cloud processing system for mutual financial assistance in trading markets, which includes a trading market transaction server, a supplier trading device, and a buyer trading device.

The trading market transaction server is used to provide at least one supplier and at least one buyer to conduct transactions in a trading market, and the supplier transaction device is connected to the trading market transaction server for at least one supplier to query at least one pending payment, and The buyer transaction device is connected to the transaction server of the market for at least one buyer to make transaction payment. Wherein, the transaction server of the trading market applies for a credit line for at least one supplier to transfer through the supplier's trading device according to the authorized allocation ratio.

The trading market financial mutual assistance cloud processing system further includes a bank account host connected to the trading market transaction server to record the credit line and the authorized allocation ratio corresponding to the supplier's trading device.

In one embodiment, the supplier transaction device includes a login module and a generation payment inquiry module. The login module is used for suppliers to log in according to the corresponding login authority assigned by the trading server of the trading market, and the collection payment query module is connected to the login module to provide the supplier with the corresponding login authority to query pending payments.

In one embodiment, the supplier transaction device further includes a credit payment transfer module connected to the collection payment query module to dial the credit line online according to the corresponding authorized allocation ratio.

In one embodiment, the trading market transaction server includes a credit line application module and a credit line allocation module. The credit line application module is used to apply for the credit line, and the credit line allocation module is connected to the credit line application module to set the authorization allocation ratio corresponding to each supplier's transaction device.

In one embodiment, the trading market transaction server further includes a generation collection service application module and a payment information generation module. The collection service application module is connected to the credit line allocation module to apply for a generation collection service from the bank account host, and the payment information generation module is connected to the collection service application module to generate a payment information.

In one embodiment, the buyer transaction device includes an APP payment module and a WEB payment module connected to the APP payment module for the buyer to choose between the APP payment module or the WEB payment module for transaction payment.

The buyer transaction device further includes a credit card payment module connected to the WEB payment module for the buyer to choose to make transaction payment via a credit card.

In one embodiment, the bank account host includes a credit line approval module and a credit line allocation record module. The credit line approval module is used to approve the credit line application of the credit line application module, and the credit line allocation record module is connected to the credit line approval module to record the supplier transaction device pair The proportion of authorized allocation.

In one embodiment, the bank account host further includes a generation collection service processing module connected to the credit line allocation recording module to process the collection service applied by the collection service application module.

In summary, the transaction market financial mutual assistance cloud processing system disclosed in one embodiment of the present invention can facilitate suppliers and buyers to conduct transactions in the transaction market. When the trading market adopts the method of applying for a credit line, it is more convenient to assist suppliers and buyers to obtain working capital, which is conducive to the operation of the trading market.

100‧‧‧Transaction Market Financial Mutual Assistance Cloud Processing System

110‧‧‧Supplier transaction device

112‧‧‧Login Module

114‧‧‧Receiving Payment Query Module

116‧‧‧Credit Payment Transfer Module

118‧‧‧Group Discussion Module

120‧‧‧Exchange Market Transaction Server

121‧‧‧Credit Line Application Module

122‧‧‧Credit line allocation module

123‧‧‧Receiving Service Application Module

124‧‧‧Payment information generation module

125‧‧‧Group Discussion Module

130‧‧‧Buyer transaction device

132‧‧‧Login Module

133‧‧‧APP payment module

134‧‧‧Inquiry Module of Collection Payment

135‧‧‧WEB payment module

136‧‧‧Credit Payment Transfer Module

137‧‧‧Credit Card Payment Module

138‧‧‧Group Discussion Module

140‧‧‧Bank Account Host

142‧‧‧Credit line approval module

144‧‧‧Credit line allocation record module

146‧‧‧Receiving business processing module

In order to make the above and other objectives, features, advantages and embodiments of the present disclosure more obvious and understandable, the description of the accompanying drawings is as follows: Figure 1 is a financial mutual assistance cloud for trading markets according to an embodiment of the present invention. Schematic diagram of the processing system.

FIG. 2 is a schematic diagram of a supplier transaction device of a cloud processing system for financial mutual assistance in a trading market according to an embodiment of the present invention.

FIG. 3 is a schematic diagram of a transaction market transaction server of a transaction market financial mutual assistance cloud processing system according to an embodiment of the present invention.

FIG. 4 is a schematic diagram of a buyer transaction device of a cloud processing system for financial mutual assistance in a trading market according to an embodiment of the present invention.

Figure 5 is a schematic diagram of a bank account host of a cloud processing system for mutual financial assistance in trading markets according to an embodiment of the present invention.

The following is a detailed description of the embodiments with the accompanying drawings, but the provided embodiments are not used to limit the scope of the disclosure, and the description of the structure operation is not used to limit the order of its execution, any recombination of components The structure and the devices produced with equal effects are all covered by this disclosure. In addition, the drawings are for illustrative purposes only, and are not drawn according to the original dimensions. To facilitate understanding, the same elements or similar elements in the following description will be described with the same symbols.

In addition, the terms (terms) used in the entire specification and the scope of the patent application, unless otherwise specified, usually have the usual meaning of each term used in this field, in the content disclosed here, and in the special content . Some terms used to describe the present disclosure will be discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance on the description of the present disclosure.

Regarding the "first", "second", ... etc. used in this text, they do not specifically refer to the order or sequence, nor are they used to limit the present invention. They are only used to distinguish elements described in the same technical terms. Or operation only.

Secondly, the terms "include", "include", "have", "contain", etc. used in this article are all open terms, meaning including but not limited to.

Referring to Figures 1 to 5, Figure 1 is a schematic diagram of a transaction market financial mutual assistance cloud processing system according to an embodiment of the present invention, and Figure 2 is a diagram according to an embodiment of the present invention. A schematic diagram of a supplier transaction device of a trading market financial mutual assistance cloud processing system. Figure 3 is a schematic diagram of a trading market transaction server of a trading market financial mutual assistance cloud processing system according to an embodiment of the present invention. Figure 4 is A schematic diagram of a buyer's transaction device of a trading market financial mutual assistance cloud processing system according to an embodiment of the present invention, and FIG. 5 is a bank of a trading market financial mutual assistance cloud processing system according to an embodiment of the present invention Schematic diagram of the accounting host.

As shown in the figure, the transaction market financial mutual assistance cloud processing system 100 includes a transaction market transaction server 120, a supplier transaction device 110, a buyer transaction device 130, and a bank account host 140.

The trading market transaction server 120 is used to provide at least one supplier and at least one buyer to conduct transactions in a trading market.

Generally speaking, the trading market transaction server 120 is used in a trading market, which has a certain scale of trading market, such as trading fruits and vegetables, fish, meat and other commodities, and its operation type adopts the member open bidding trading system. The downstream supply chain has demand for cash flow such as payment, collection and cancellation. Upstream and downstream suppliers are prone to funding gaps and have turnover needs. The supplier transaction device 110 is used for an upstream supplier, and the buyer transaction device 130 is used for a downstream underwriter, such as a mid-market buyer.

Upstream suppliers and downstream underwriters open accounts in a bank, and have transaction payment collection and payment requirements. After paying the margin, they participate in the market auction and then pay the market winning amount of working capital. Among them, the related modules of the supplier transaction device 110 and the buyer transaction device 130 disclosed in the present invention can also be used interchangeably to carry out the transfer of required credit funds, and the payment and collection of funds, which are not separated from The spirit and scope of the present invention.

The supplier transaction device 110 is connected to the market transaction server 120 for at least one supplier to inquire at least one pending payment, and the buyer transaction device 130 is connected to the market transaction server 120 for at least one buyer to make transaction payments . Wherein, the transaction market transaction server 120 may apply for a credit line for at least one supplier to transfer through the supplier transaction device 110 according to the authorized allocation ratio. However, the present invention is not limited to this. The buyer transaction device 130 can also perform corresponding credit transfer, which does not depart from the spirit and scope of the present invention.

The bank account host 140 is connected to the transaction market transaction server 120 to record the credit limit and the authorized distribution ratio corresponding to at least one supplier transaction device 110.

In one embodiment, the supplier transaction device 110 includes a login module 112, a first-generation payment inquiry module 114, a credit payment transfer module 116, and a group discussion module 118.

The login module 112 allows each supplier to log in according to the corresponding login permissions assigned by the trading server 120 of the trading market. After joining the trading market financial mutual assistance cloud processing system 100, it can be based on the needs of the supplier and the cooperation of the corresponding trading market The mechanism applies for a credit line, or the trading market transaction server 120 allocates an appropriate credit line. The login module 112 can send sign-in WEB URL through registered E-MAIL, or scan and download the QR CODE of APP with a mobile device, such as IOS or Android mobile phone, or use the initial sign-in account and password information, such as the system , Account, password, etc., to log in, which do not depart from the spirit and scope of the present invention.

The collection payment inquiry module 114 is connected to the login module 112 to provide each supplier with the corresponding log-in authority to inquire about the payment to be collected and other related information, such as account inquiry, account balance inquiry, transaction details inquiry, etc. Related information.

The credit payment transfer module 116 is connected to the collection payment query module 114 to dial the credit line online according to the corresponding authorized allocation ratio. When applying for the total credit line mode in the market, the market transaction server 120 sets the individual movable limits of the supplier transaction device 110 and the buyer transaction device 130, which can be directly transferred according to the authority, and the interest rate is based on the transaction market. The application conditions for the venue are fixed. In addition, to apply for risk control quotas in the trading market, each supplier and buyer need to apply for the credit line, period, and interest rate one by one, and then set up the association through the bank to use the short-term working capital.

The group discussion module 118 is connected to the credit payment transfer module 116 to serve as a channel for communication and contact between the trading market, suppliers and buyers, and combined with instant messaging functions, such as a built-in discussion group, etc. , Can quickly receive trading market information, to receive instant notifications such as bid opening and other information.

In one embodiment, the trading market transaction server 120 includes a credit line application module 121, a credit line allocation module 122, a generation collection service application module 123, a payment information generation module 124, and a group Discussion module 125.

The credit line application module 121 is used to apply for a credit line, for example, to apply for a total credit line. The credit line allocation module 122 is connected to the credit line application module 121 for setting the authorized allocation ratio of each supplier transaction device 110 and buyer transaction device 130.

The collection service application module 123 is connected to the credit line allocation module 122 to apply to the bank account host 140 for a collection service, for example, through WEB or collection APP for collection. The payment information generation module 124 is connected to the collection service application module 123 to generate payment information, such as payment information such as QR CDOE, which does not depart from the protection scope of the present invention. The group discussion module 125 The payment information generation module 124 is connected to the payment information generation module 124 to serve as a communication and contact channel between the trading market, suppliers and buyers, and then integrate the information real-time contact function, such as Built-in discussion groups, etc., can quickly receive market information, to receive instant notifications such as bid opening notifications.

In one embodiment, the buyer transaction device 130 includes similar modules as in the supplier transaction device 110, such as a login module 132, a first-generation payment inquiry module 134, a credit payment transfer module 136, and a group of similar modules. Group discussion module 138. The buyer transaction device 130 further includes an APP payment module 133, a WEB payment module 135, and a credit card payment module 137. However, the present invention is not limited to this. The supplier transaction device 110 may also include an APP payment module, a WEB payment module, and a credit card payment module, which does not depart from the spirit and scope of the present invention.

The APP payment module 133 is connected to the login module 132, and the WEB payment module 135 is connected to the APP payment module 133 to provide the buyer with the option of making transaction payments via the APP payment module 133 or the WEB payment module 135, for example, using QR Payment methods such as CDOE, online ATM or national payment ID+ACCOUNT. In addition, the buyer transaction device 130 can also use the credit card payment module 137 to connect to the WEB payment module 135, so that the buyer can also choose to make transaction payments via credit card.

In one embodiment, the bank account host 140 includes a credit line approval module 142, a credit line allocation recording module 144, and a generation collection service processing module 146.

The credit line approval module 142 is used to approve the credit line application of the credit line application module 121, and the credit line allocation record module 144 is connected to the credit line approval module 142 to record the authorization corresponding to each supplier transaction device 110 Related information such as allocation ratio, amount, etc. The collection service processing module 146 is connected to the credit line allocation recording module 144 to process the collection service applied by the collection service application module 123 to facilitate payment, collection and cancellation of accounts in the trading market.

In summary, the transaction market financial mutual assistance cloud processing system disclosed in an embodiment of the present invention can facilitate suppliers, buyers, and the transaction market to conduct transactions, and it is more convenient when the transaction market adopts the method of applying for a credit line Assist suppliers and buyers to obtain working capital, which is conducive to the operation of the trading market. In addition, the transaction market financial mutual assistance cloud processing system can be combined with the instant messaging function to quickly receive transaction market information. The trading market financial mutual assistance cloud processing system can better integrate the day cycle of capital circulation in the trading market and provide a suitable online revolving fund plan. It also provides automatic calculation of the trading market rebate and crediting, and further matching with real-time account and write-off Notification of additional services. At the same time, the transaction market financial mutual assistance cloud processing system can also combine marketing strategies to convert the number of transactions to discounts such as cross-bank transaction fees, which does not depart from the spirit and scope of the present invention.

Although this disclosure has been disclosed in the above manner, it is not intended to limit the disclosure. Anyone with ordinary knowledge in the field can make various changes and modifications without departing from the spirit and scope of this disclosure. Therefore, this disclosure The scope of protection shall be subject to the scope of the attached patent application.

100‧‧‧Transaction Market Financial Mutual Assistance Cloud Processing System

110‧‧‧Supplier transaction device

120‧‧‧Exchange Market Transaction Server

130‧‧‧Buyer transaction device

140‧‧‧Bank Account Host

Claims (7)

A transaction market financial mutual assistance cloud processing system, including: a transaction market transaction server for providing at least one supplier and at least one buyer to trade in a transaction market; a supplier transaction device connected to the transaction market transaction server , For the at least one supplier to inquire about at least one pending payment; a buyer transaction device connected to the trading market transaction server for the at least one buyer to make transaction payments, wherein the trading market transaction server applies for a total A credit line for the at least one supplier to directly transfer through the supplier’s transaction device in accordance with the authorized distribution ratio, and the interest rate is fixed based on the application conditions of the transaction market; and a bank account host connected to the A transaction market transaction server to record the total credit limit and the corresponding authorized allocation ratio of the at least one supplier transaction device, wherein the transaction market transaction server includes: a credit limit application module to perform the total credit limit And a credit line allocation module connected to the credit line application module to set the corresponding authorized allocation ratio for each of the at least one supplier transaction device, wherein the bank account host includes: a credit line A credit line approval module to approve the application for the total credit line of the credit line application module; and a credit line allocation record module connected to the credit line approval module to record each of the at least one supplier transaction device Of the corresponding authorized allocation ratio. The trading market financial mutual assistance cloud processing system according to claim 1, wherein the supplier transaction device includes: a login module for each of the at least one supplier according to the corresponding login authority assigned by the trading market transaction server Login; and a first-generation payment inquiry module, connected to the login module, to provide each of the at least one supplier to query the at least one pending payment according to the corresponding login authority. For example, the transaction market financial mutual assistance cloud processing system described in claim 2, wherein the supplier transaction device further includes a credit payment transfer module, which is connected to the collection payment query module to be online according to the corresponding authorized allocation ratio Appropriate the total credit line. The transaction market financial mutual assistance cloud processing system according to claim 3, wherein the transaction market transaction server further includes: a generation collection service application module connected to the credit line allocation module to apply to the bank account host Generation collection service; and a payment information generation module connected to the collection service application module to generate a payment information. The transaction market financial mutual assistance cloud processing system according to claim 4, wherein the buyer transaction device includes: an APP payment module; and a WEB payment module connected to the APP payment module for the at least one buyer to choose The transaction payment is made through the APP payment module or the WEB payment module. The transaction market financial mutual assistance cloud processing system according to claim 5, wherein the buyer transaction device further includes a credit card payment module connected to the WEB payment module for the at least one buyer to choose to conduct the transaction via a credit card payment. The transaction market financial mutual assistance cloud processing system according to claim 6, wherein the bank account host further includes a generation collection service processing module, which is connected to the credit line allocation record module to process the collection service application module The collection service applied for.

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