TWM572528U - 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

Trading market financial mutual assistance cloud processing system

This new type relates to a trading market processing system. In particular, there is a cloud processing system for financial mutual assistance in the trading market.

With the advancement of technology, the computer industry is also increasingly developed, and all walks of life can quickly use computers and the Internet for transactions and remittances. In addition, due to the increasingly developed network and the increasing popularity of domestic banks, the bank's operating model is gradually changing. By relying solely on deposits or exchanges, the spreads and exchange differences can no longer meet the needs of consumers. All banks are not fully committed, and they hope to expand their business and increase profits.

The new financial products are used to attract customers to the door, and then the customer service loyalty is deeply tied with good service. The change of the competitive environment has made the bank's operational thinking more customer-oriented. Trading in traditional markets is often carried out in cash. In the traditional trading market, each underwriter needed to withdraw a large amount of cash to trade goods.

With the gradual progress of the times, a variety of payment methods have emerged. However, how to assist the trading client to obtain the required funds and ensure the safety of related transactions will contribute to the security and stability of the overall trading market. mention Rise.

In view of this, the present invention discloses a transaction market financial mutual assistance cloud processing system, which can conveniently assist the upstream supplier to turn over the capital, and at the same time increase the convenience and security of the payment and payment, so as to facilitate the buyer and the supplier to conduct transactions through the transaction market. .

According to an embodiment of the present invention, there is a transaction market financial mutual assistance cloud processing system, including a transaction market transaction server, a supplier transaction device, and a buyer transaction device.

The transaction market transaction server is configured to provide at least one supplier and at least one buyer to conduct transactions in a transaction market, and the supplier transaction device is connected to the transaction market transaction server for at least one supplier to query at least one of the receivables, and The buyer transaction device is connected to the transaction market transaction server for at least one buyer to make a transaction payment. The transaction market transaction server applies for a credit line for at least one supplier to perform the allocation according to the authorized distribution ratio through the supplier transaction device.

The transaction market financial mutual assistance cloud processing system further includes a bank account host connected to the transaction market transaction server to record the credit line and the proportion of authorized distribution corresponding to the supplier transaction device.

In one embodiment, the vendor transaction device includes a login module and a collection of payment inquiry modules. The login module is used by the supplier to log in according to the corresponding login authority assigned by the transaction market transaction server, and the collection payment inquiry module is connected to the login module, and the supplier is provided according to the corresponding login authority. Pending payment.

In an embodiment, the supplier transaction device further includes a credit transfer module connected to the collection payment inquiry module to dynamically transfer the credit amount according to the corresponding authorized distribution ratio.

In an embodiment, the transaction market transaction server includes a credit quota application module and a credit quota allocation module. The credit quota application module is used for the credit quota application, and the credit quota allocation module is connected to the credit quota application module to set the authorization distribution ratio corresponding to each vendor transaction device.

In an embodiment, the transaction market transaction server further includes a collection service application module and a payment information generation module. The collection service application module is connected to the credit limit distribution module to apply for a pending business to the bank account host, and the payment information generation module is connected to the collection service application module for generating a payment information.

In an 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 select to pay for the transaction via the APP payment module or the WEB payment module.

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

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

In an embodiment, the bank account host further includes a collection service processing module connected to the credit quota allocation recording module to process the pending service requested 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 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 trading device

112‧‧‧ Login Module

114‧‧‧ Collection of payment inquiry module

116‧‧‧Tengrant payment module

118‧‧‧Group Discussion Module

120‧‧‧Transaction market transaction server

121‧‧‧ Credit Line Application Module

122‧‧‧credit quota module

123‧‧‧ Collection business application module

124‧‧‧Contribution Information Generation Module

125‧‧‧Group Discussion Module

130‧‧‧ Buyer Trading Device

132‧‧‧ Login Module

133‧‧‧APP payment module

134‧‧‧ Collection of payment inquiry module

135‧‧‧WEB payment module

136‧‧‧credit payment module

137‧‧‧ Credit Card Payment Module

138‧‧‧Group Discussion Module

140‧‧‧Bank Account Host

142‧‧‧ Credit limit approval module

144‧‧‧ Credit quota allocation record module

146‧‧‧receiving business processing module

The above and other objects, features, advantages and embodiments of the present disclosure will be more apparent and understood. The description of the drawings is as follows: FIG. 1 is a transaction market financial mutual help cloud according to an embodiment of the present invention. Schematic diagram of the processing system.

2 is a schematic diagram of a vendor transaction device of a transaction market financial mutual assistance cloud processing system 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 transaction market financial mutual assistance cloud processing system according to an embodiment of the present invention.

FIG. 5 is a schematic diagram of a bank account host of a transaction market financial mutual assistance cloud processing system according to an embodiment of the present invention.

The following is a detailed description of the embodiments, but the embodiments are not intended to limit the scope of the disclosure, and the description of the structural operation is not intended to limit the order of execution, and any components are recombined. The structure and the device with equal efficiency are all covered by the disclosure. In addition, the drawings are for illustrative purposes only and are not drawn to the original dimensions. For the sake of understanding, the same or similar elements in the following description will be denoted by the same reference numerals.

In addition, the terms used in the entire specification and the scope of the patent application, unless otherwise specified, usually have the usual meaning of each word used in the field, in the content disclosed herein and in the special content. . Certain terms used to describe the disclosure are discussed below or elsewhere in this specification to provide additional guidance to those skilled in the art in the description of the disclosure.

The terms “first”, “second”, etc. used in this document are not specifically intended to refer to the order or order, nor to limit the present invention, but merely to distinguish components described in the same technical terms. Or just operate.

Secondly, the terms "including", "including", "having", "containing", and the like, as used herein, are all open terms, meaning, but not limited to.

Referring to FIG. 1 to FIG. 5 , FIG. 1 is a schematic diagram of a transaction market financial mutual assistance cloud processing system according to an embodiment of the present invention, and FIG. 2 is a schematic diagram of an embodiment of the present invention. A schematic diagram of a vendor transaction device of a transaction market financial mutual assistance cloud processing system, and FIG. 3 is 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 transaction market financial mutual assistance cloud processing system according to an embodiment of the present invention, and FIG. 5 is a diagram of an embodiment of the present invention. A schematic diagram of a bank account host of a transaction market financial mutual assistance cloud processing system.

As shown, the marketplace 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 transaction market transaction server 120 is configured to provide at least one supplier and at least one buyer to conduct transactions in a marketplace.

Generally speaking, the transaction market transaction server 120 is used in a trading market, and has a trading market of a certain scale, for example, trading of fruits, vegetables, fish, meat, etc., and the operation type adopts a member open bidding transaction system, The downstream supply chain has demand for payment, collection and sales, and so on. Upstream and downstream supply households are prone to generate funding gaps with turnover needs. The supplier transaction device 110 is used by an upstream supplier, and the buyer transaction device 130 is used by a downstream underwriter, for example, a mid-market buyer.

The upstream supplier and the downstream underwriters open an account in a bank, and have the demand for receiving and paying the transaction money. After paying the deposit, they will participate in the market auction bid and pay the working capital of the market. The supplier transaction device 110 and the related modules of the buyer transaction device 130 disclosed in the present invention can also be used interactively to perform the required transfer of credits, as well as the payment and collection of funds, which are not separated. The spirit and scope of this new type.

The vendor transaction device 110 is coupled to the transaction market transaction server 120 for at least one supplier to query at least one pending payment, and the buyer transaction package The set 130 is coupled to the marketplace transaction server 120 for at least one buyer to make a transaction payment. The transaction market transaction server 120 can apply for a credit line for at least one supplier to perform the allocation according to the authorized distribution ratio via the supplier transaction device 110. However, the present invention is not limited thereto, and the corresponding credit transfer may be performed via the buyer transaction device 130 without departing from the spirit and scope of the present invention.

The bank account host 140 is coupled to the marketplace transaction server 120 to record the credit line and the authorized distribution ratio corresponding to the at least one vendor transaction device 110.

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

The login module 112 enables each supplier to log in according to the corresponding login authority assigned by the transaction market transaction server 120. After joining the transaction market financial mutual assistance cloud processing system 100, the requirements of the supplier and the corresponding transaction market can be visualized. The mechanism applies for a credit line, or the transaction market transaction server 120 assigns an appropriate credit line. The login module 112 can send the check-in WEB URL via the registration E-mail, or scan the QR CODE of the APP by using a mobile device such as an IOS or ANDROID mobile phone, or use the initial check-in account number and password information, for example, the editor. , account number, password check-in, etc., to log in, all without departing from the spirit and scope of the new model.

The collection and payment inquiry module 114 is connected to the login module 112 to provide each supplier with relevant information such as pending payment according to the corresponding login authority, for example, an account inquiry, a household balance, a detailed inquiry of the transaction result, etc. phase Off message.

The credit payment module 116 is connected to the collection amount inquiry module 114 to dynamically dial the credit line according to the corresponding authorized distribution ratio. When the market applies for the total credit quota mode, the transaction market transaction server 120 sets the amount of the individual movable dialing of the supplier transaction device 110 and the buyer transaction device 130, and can directly dial according to the authority, and the interest rate is based on the transaction market. Site application conditions are fixed. In addition, in the trading market to apply for risk control quotas, each supplier and buyer need to apply for credit line, day, and interest rate, and set up a relationship through the bank to use short-term working capital.

The group discussion module 118 is connected to the credit transfer module 116 as a communication and communication channel between the transaction market, the supplier and the buyer, and then combines the instant contact function of the message, for example, a built-in discussion group. , can quickly receive the news of the market, in order to receive instant messages such as the opening notice.

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

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

The collection service application module 123 is connected to the credit quota allocation module 122 for applying to the bank account host 140 for a service to be received, for example, through the WEB or the payment APP. The payment information generation module 124 is connected to The business application module 123 is collected to generate a payment information, such as a payment information such as QR CDOE, which does not deviate from the scope of protection of the present invention. The group discussion module 125 payment information generation module 124 is connected to the payment information generation module 124 as a communication and communication channel between the transaction market, the supplier and the buyer, and then combines the instant contact function of the message, for example Built-in discussion groups, etc., can quickly receive news of the market, so as to receive instant notifications such as the opening notice.

In one embodiment, the buyer transaction device 130 includes, for example, a similar module in the vendor transaction device 110, such as a login module 132, a collection receipt query module 134, a credit transfer module 136, and a group. 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 thereto, and the provider transaction device 110 may also include an APP payment module, a WEB payment module, and a credit card payment module, without departing 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, and provides the buyer with the option to make a transaction payment via the APP payment module 133 or the WEB payment module 135, for example, using a QR. Payment by CDOE, Internet ATM or National Payment ID+ACCOUNT. In addition, the buyer transaction device 130 can further connect to the WEB payment module 135 by using the credit card payment module 137, so that the buyer can also choose to make a transaction payment via the credit card.

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

The credit quota approval module 142 is configured to approve the application for the credit quota of the credit quota application module 121, and the credit quota allocation record module 144 is connected to the credit quota approval module 142 to record the authorization corresponding to each vendor transaction device 110. Allocate information such as ratio and amount. The collection service processing module 146 is connected to the credit quota allocation record module 144 to process the pending service requested by the collection service application module 123, so as to facilitate the payment, collection and payment of the transaction 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 is more convenient when the transaction market adopts the method of applying a credit line. To 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 better integrate the instant messaging function to quickly receive trading market information. The transaction market financial mutual assistance cloud processing system can integrate the online market circulation period in the upstream and middle of the trading market to provide a suitable online working capital plan, and provide the transaction market feedback automatically calculated and credited, and further match the immediate account and write-off Notify additional services. At the same time, the trading market financial mutual assistance cloud processing system can be combined with the marketing strategy, and the transaction number conversion to the inter-bank transaction fee and other benefits, which do not deviate from the spirit and scope of the new model.

The present disclosure has been disclosed in the above embodiments, and is not intended to limit the disclosure. Any one of ordinary skill in the art can make various changes and refinements without departing from the spirit and scope of the disclosure. The scope of protection is subject to the definition of the scope of the patent application.

Claims (10)

A transaction market financial mutual assistance cloud processing system, comprising: a transaction market transaction server for providing at least one supplier and at least one buyer to conduct transactions in a transaction market; a supplier transaction device connected to the transaction market transaction server And the at least one supplier queries the at least one receivable; and a buyer transaction device is connected to the transaction market transaction server for the at least one buyer to make a transaction payment, wherein the transaction market transaction server applies for one The credit line is for the at least one supplier to make a transfer according to the authorized distribution ratio through the supplier transaction device. The transaction market financial mutual assistance cloud processing system of claim 1, further comprising a bank account host connected to the transaction market transaction server to record the credit line and the authorized distribution ratio corresponding to the at least one supplier transaction device. . The transaction market financial mutual assistance cloud processing system of claim 2, wherein the supplier transaction device comprises: a login module for each of the at least one supplier, corresponding to the login authority assigned by the transaction market transaction server; And the one-to-one collection and payment module is connected to the login module, and each of the at least one supplier is provided to query the at least one receivable according to the corresponding login authority. The transaction market financial mutual assistance cloud processing system according to claim 3, wherein the supplier transaction device further comprises a credit payment mode The group is connected to the collection and payment inquiry module to dynamically dial the credit line according to the corresponding authorized allocation ratio. The transaction market financial mutual assistance cloud processing system of claim 4, wherein the transaction market transaction server comprises: a credit quota application module for applying the credit line; and a credit quota allocation module connected to the The credit quota application module is configured to set the corresponding authorized allocation ratio of each of the at least one supplier transaction device. The transaction market financial mutual assistance cloud processing system of claim 5, wherein the transaction market transaction server further comprises: a first generation service application module, connected to the credit quota allocation module, to apply to the bank account host A to-be-paid business; 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 of claim 6, wherein the buyer transaction device comprises: an APP payment module; and a WEB payment module connected to the APP payment module for the at least one buyer to select The transaction payment is made via the APP payment module or the WEB payment module. As described in claim 7, the trading market financial mutual assistance cloud The system, wherein the buyer transaction device further comprises a credit card payment module, coupled to the WEB payment module, for the at least one buyer to choose to pay for the transaction via a credit card. The transaction market financial mutual assistance cloud processing system according to claim 8, wherein the bank account host comprises: a credit quota approval module for approving the credit quota application of the credit quota application module; and a credit quota allocation The recording module is connected to the credit quota approval module to record the corresponding authorized allocation ratio of each of the at least one supplier transaction device. The transaction market financial mutual assistance cloud processing system of claim 9, wherein the bank account host further comprises a generation of a business processing module connected to the credit quota recording module to process the collection service application module. The pending business that is applied for.