CN103927660A - Credit system based on CCEE9000 credit system certification standards - Google Patents
Credit system based on CCEE9000 credit system certification standards Download PDFInfo
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- CN103927660A CN103927660A CN201310027840.2A CN201310027840A CN103927660A CN 103927660 A CN103927660 A CN 103927660A CN 201310027840 A CN201310027840 A CN 201310027840A CN 103927660 A CN103927660 A CN 103927660A
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- G—PHYSICS
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- 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
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- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/067—Enterprise or organisation modelling
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- G—PHYSICS
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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Abstract
The invention discloses a credit system based on CCEE9000 credit system certification standards. The credit system comprises a credit investigation center database, an enterprise credit certification system, a consumer personal credit certification system, a credit monitoring and grading management system, a credit investigation center database updating module, a fingerprint wallet payment platform, a city-wide online shopping delivery module and a consumption and after-sale guarantee module. The credit investigation center database is respectively connected with the enterprise credit certification system, the consumer personal credit certification system and the credit monitoring and grading management system; the enterprise credit certification system, the consumer personal credit certification system and the credit monitoring and grading management system update data of the credit investigation center database synchronously in time by means of the credit investigation center database updating module after various kinds of collected information are certificated and managed. When all consumers conduct transactions, credit assessment data of enterprises are obtained from the same credit investigation center database, the transaction credit assessment obtained by all the enterprises is from the consumers passing fingerprint authentication, and safety of online and offline transactions is guaranteed to a great extent.
Description
Technical field
The present invention relates to credit services technical field, specifically, relate to a kind of credit system based on CCEE9000 credit system Valuation Standard.
Background technology
Along with popularizing of internet, increasing enterprises and individuals has selected net purchase pattern more fast and easily to do shopping, ecommerce jointly becomes enterprises and individuals with traditional trade mode gradually as a kind of brand-new business transaction pattern and selects the business model of concluding the business, therefore, sales tactics has been turned to Electronic Business by the more traditional forms of enterprises.
But when the traditional forms of enterprises turns to ecommerce to develop rapidly, a lot of problems also highlight.Wherein, lacking sound credit system is one of distinct issues the most.But, be subject to the impact of China's actual conditions, set up sound credit system, again following a series of distinctive subject matter urgently to be resolved hurrily: modernization of business slower development causes IT application in enterprises degree too low; Network virtual causes deceptive information to overflow; Personation and low-quality goods spread unchecked, and cause commercial quality very different; Logistics distribution passage slower development, net purchase is lost should be characteristic; Credit Deficiency affects the modes of payments, and the backward tradition that still follows of means of payment, the development of restriction ecommerce.
The final purpose that e-commerce initiative is carried out, exactly in order to carry out fast, convenient and safe transaction, makes use of funds and freight traffic direction be tending towards reasonable.Certainly, also can not wait until the problems referred to above have all been solved, then carry out develop electronic commerce.The only way out is in the process of develop electronic commerce, actively facilitates the solution one by one of these problems.
At present, the China shopping at network such as C2C, B2C in fashion has also been set up credit system for relevant issues, but because Electronic Business in China is still in the middle of groping, still there are the following problems to cause these credit systems: the information announcing of transaction agent is insufficient; Credit certification to transaction agent lacks authority with just; A little less than electronic commerce credits certification ageing; It is not reciprocity that both parties' evaluation right is imitated; The subjectivity of evaluating is difficult to control; It is single that evaluation unit relates to factor; Evaluation system causes unjustness to new and old seller; The authenticity of evaluating has no way of investigating etc.
Summary of the invention
The object of the invention is to overcome the defect of prior art, a kind of credit system based on CCEE9000 credit system Valuation Standard is provided, the advantages such as advanced, fast, convenient and safe, the fashion of not only possessing skills, and arrange more reasonable, with better function, can be to a greater extent for enterprises and individuals removes all puzzlements, thus realize simultaneously, synchronously for the line lower transaction security of reaching the standard grade provides safeguard.
For addressing the above problem, the technical solution adopted in the present invention is:
Based on a credit system for CCEE9000 credit system Valuation Standard, it is characterized in that: comprising:
Reference central database: the credit data of storing all sellers of enterprise and individual buyer;
Business standing Verification System: be connected with reference central database, according to CCEE9000 credit system Valuation Standard, company information authenticated;
Consumer's personal credit Verification System: be connected with reference central database, authenticate according to consumer individual finger print information;
Credit supervision, grading management system: be connected with reference central database, carry out credit supervision management according to credit rating standard;
Credit score system: be connected with credit supervision, grading management system, carry out credit score management according to credit rating standard;
Fingerprint wallet payment platform: be connected with consumer's personal credit Verification System, consumer individual is provided finger print information;
With city net purchase dispensing module: be connected with credit supervision, grading management system, credit rating information is provided;
Consumption, assurance module after sale: be connected with credit supervision, grading management system, credit rating information is provided;
Reference central database update module: be connected with reference central database, according to business standing authentication information, consumer's personal credit authentication information and credit supervision, grading management information, the data of real-time update reference central database.
Beneficial effect: the reference central database in the present invention is connected with this four large system of business standing Verification System, consumer's personal credit Verification System, credit supervision, grading management system and credit score system respectively, the various information of four large systematic collections is after certification, management, by reference central database update module synchronously, in time the data of reference central database are upgraded.All consumers, in the time carrying out on line off-line transaction, are the credit evaluation data of obtaining businessman of enterprise from same reference central database, and the transaction credit evaluation that all businessmans of enterprise obtain is all from by the consumer of finger print identifying.So, not only ensured authority, the fairness of credit system information of the present invention, more ensured accuracy and the authenticity of credit system information, for the line lower transaction security of reaching the standard grade provides sound assurance.Specifically, the advantageous effect that credit system of the present invention has and significant progressive as follows:
1, the information of transaction agent is disclosed more fully.By credit system of the present invention, consumer, before completing transaction, just can fully understand the information of commodity and transaction agent (enterprise), avoids transaction risk, ensures consumption rights and interests, effectively improves trading efficiency.
2, more authoritative and just to both parties' credit certification.By credit system of the present invention, not only the certification of the credit of enterprise is to authenticate according to CCEE9000 credit system Valuation Standard, and, consumer individual's certification is carried out authentication by advanced fingerprint recognition especially, make authentication information more authoritative and just, the person that stopped to practise fraud, has been an incompetent person or a person unequal to his task, has effectively prevented the vicious behaviour such as brush prestige of similar other websites.
What 3, electronic commerce credits is authenticated is ageing stronger.By credit system of the present invention, for the real-time feature of ecommerce, business standing archives also will strictly possess ageing, and take sky as unit, carry out real-time follow-up, monitoring according to the situation of change of member enterprise, the credibility record that upgrades in time, guarantees the safety and efficiently of off-line transaction on line.
4, the credit supervision to both parties, grading management are more reasonable.First, by meticulous division credit grade, the divided rank of credit is divided into: favorable comment+2, better+1, in comment+0, poor-1, poorly comments-2; The true idea of reflected appraisal side so very accurately.Secondly, adopt average weighted algorithm, aspect these three of the credit ratings of the marking for the side of evaluation in transaction, dealing money, evaluation side, certain weight is set, acquired results is: marking × turnover weight × side of evaluation credit rating weight of the side of evaluation.Because dealing money is higher larger on the impact of credit appraisal, and the user that often credit rating is high evaluation is just more reliable.So such evaluation algorithms is just more rationally reliable.
5, credit system of the present invention is provided with taking measurement unit and reduction formula as basic quantification and weighs pattern, not only make credit rating reasonable, also it can be converted into integration, can do shopping and really realize credit and be converted into the function of currency with service consumption exchanges, pass-through security etc. in appointed website, allow credit becomes a kind of investment, a kind of economy, a kind of everybody is happy to the new industry that participation builds together.
Brief description of the drawings
Fig. 1 is the structured flowchart of credit system of the present invention;
Fig. 2 is the workflow diagram of credit system of the present invention;
Fig. 3 is the reference process flow diagram of credit system of the present invention;
Fig. 4 is supervision, the grading process flow diagram of credit system of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention will be further described.
With reference to Fig. 1, credit system based on CCEE9000 credit system Valuation Standard of the present invention, comprising: reference central database 101, business standing Verification System 102, consumer's personal credit Verification System 103, credit supervision, grading management system 104, credit score system 109 and fingerprint wallet payment platform 105, with city net purchase dispensing module 106, consumption, assurance module 107, reference central database update module 108 after sale.Wherein:
Reference central database 101 is stored all sellers of enterprise and individual buyer's credit data, and credit inquiry service is provided; Business standing Verification System 102 is connected with reference central database 101, according to CCEE9000 credit system Valuation Standard, company information is authenticated; Consumer's personal credit Verification System 103 is connected with reference central database 101, and the consumer individual finger print information providing according to fingerprint wallet payment platform 105 authenticates; Credit supervision, grading management system 104 are connected with reference central database 101, carry out credit supervision management according to CCEE9000 credit system grading standard; Credit score system 109 is connected with credit supervision, grading management system 104, and credit score is managed to use; Fingerprint wallet payment platform 105 is connected with consumer's personal credit Verification System 103, and consumer individual is provided finger print information; Be connected with credit supervision, grading management system 104 with city net purchase dispensing module 106, credit rating information is provided; Consumption, assurance module 107 and credit supervision, the management system 104 of grading are connected after sale, and credit rating information is provided; Reference central database update module 108 is connected with reference central database 101, the data of the credit supervision management real-time update reference central database 101 that the business standing authentication information providing according to business standing Verification System 102, consumer's personal credit authentication information that consumer's personal credit Verification System 103 provides and credit supervision, grading management system 104 provide.
Figure 2 shows that the workflow diagram of credit system of the present invention.Reference central database 101 is by fingerprint wallet payment platform 105, and the finger print information that obtains consumer individual 201 carries out credit certification, and according to CCEE9000 credit system Valuation Standard 203, businessman of enterprise 202 is carried out to credit certification.Consumer individual 201 inquires about the credit information of businessman of enterprise 202 by reference central database 101, conclude the business with businessman of enterprise 202 by fingerprint wallet payment platform 105.After businessman of enterprise 202 concludes the transaction with consumer individual 201 via fingerprint wallet payment platform 105, credit supervision, grading management system 104 by same city net purchase dispensing module 106 and consumption, assurance module 107 obtains the credit informations such as after sale service after sale, carries out credit supervision management according to CCEE9000 credit system Valuation Standard 203; The up-to-date credit information that reference central database update module 108 provides according to credit supervision, grading management system 104 and credit score system 109 upgrades reference central database 101.So circulation repeatedly.
Its principle of work is:
1, all businessmans of enterprise that enter credit system all will pass through the certification of CCEE9000 credit system Valuation Standard, and in the time of application authentication, authentication center can propose the credit evaluation requirement to this businessman of enterprise, and carries out corresponding credit evaluating service.Complete after credit evaluation in the businessman of enterprise to application authentication, credit evaluation result is published to credit system platform of the present invention, projection is to platform website.
2, the dealer who registers by finger print identifying just can enter the action of carrying out next step on the platform website of credit system.On platform website, dealer can gather information, inquiry the other side credit rating, the media of communication providing by system and counterpart negotiate and concludes the transaction agreement, conclude the business after to the other side's credit evaluate, while suffering inequities to relevant department's complaint etc.
3, carry out in process in transaction, pass through credit system, process of exchange data are recorded in the system database of credit system, feed back in credit supervision, grading management system by credit system again, and transaction flow is carried out to credit and follow the tracks of assessment, according to the result to flow process credit evaluation, real time modifying individual dealer's credit grade, and reference service is provided in system.This part information can be used as the evidence of non-repudiation in flow process credit evaluation.
4, fingerprint wallet payment platform and e-banking system cooperation, serve as on-line payment system, guaranteed safe payment and protected both parties' interests by credit system.
5, both parties are reminded and are done online transaction postevaluation by credit system after transaction completes, and these evaluation results become a part of data of credit appraisal, feed back to credit supervision, grading management system and become credit record from the network platform.
6, credit supervision, grading management system, finally complete whole credit appraisal and management, and shown the network platform, for dealer's inquiry and reference.
7, credit score system, carries out integration statistics by the information providing according to credit supervision, grading management system, and the functions such as integration inquiry, use are provided simultaneously.
Figure 3 shows that the reference process flow diagram of credit system of the present invention.Reference central database 101 obtains by consumer's personal credit Verification System 103 finger print information that fingerprint wallet payment platform 105 provides, and carries out the collection of reference authentication information; Reference central database 101 carries out the collection of reference authentication information by business standing Verification System 102 according to 9000 Valuation Standards 203.
Figure 4 shows that supervision, the grading process flow diagram of credit system of the present invention.Consumer individual 201 inquires about the credit information of businessman of enterprise 202 by reference central database 101; Businessman of enterprise 202 concludes the transaction with consumer individual 201 by fingerprint wallet payment platform 105; Fingerprint wallet payment platform 105 completes after transaction, provides and delivers module 106 with consumption, assurance module 107 sends goods and after sale service is provided after sale by the net purchase of same city; Consumer individual 201, according to city net purchase dispensing module 106 and consumption, assurance module 107 after sale, uses credit supervision, grading management system 104 to carry out real-time credit supervision to businessman of enterprise 202; Credit supervision, grading management system 104 are according to carrying out credit management with city net purchase dispensing module 106 and consumption, assurance module 107 provides after sale information, and feed back to reference central database update module 108, reference central database update module 108 by up-to-date credit management information updating to reference central database 101.So, complete the management of real-time deal credit supervision.
Compared with prior art, the advantageous effect that credit system of the present invention has and significant progressive as shown in the table:
Claims (1)
1. the credit system based on CCEE9000 credit system Valuation Standard, is characterized in that: comprising:
Reference central database: the credit data of storing all sellers of enterprise and individual buyer;
Business standing Verification System: be connected with reference central database, according to CCEE9000 credit system Valuation Standard, company information authenticated;
Consumer's personal credit Verification System: be connected with reference central database, authenticate according to consumer individual finger print information;
Credit supervision, grading management system: be connected with reference central database, carry out credit supervision management according to credit rating standard;
Credit score system: be connected with credit supervision, grading management system, carry out credit score management according to credit rating standard;
Fingerprint wallet payment platform: be connected with consumer's personal credit Verification System, consumer individual is provided finger print information;
With city net purchase dispensing module: be connected with credit supervision, grading management system, credit rating information is provided;
Consumption, assurance module after sale: be connected with credit supervision, grading management system, credit rating information is provided;
Reference central database update module: be connected with reference central database, according to business standing authentication information, consumer's personal credit authentication information and credit supervision, grading management information, the data of real-time update reference central database.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310027840.2A CN103927660A (en) | 2013-01-15 | 2013-01-15 | Credit system based on CCEE9000 credit system certification standards |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310027840.2A CN103927660A (en) | 2013-01-15 | 2013-01-15 | Credit system based on CCEE9000 credit system certification standards |
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| CN103927660A true CN103927660A (en) | 2014-07-16 |
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| CN201310027840.2A Pending CN103927660A (en) | 2013-01-15 | 2013-01-15 | Credit system based on CCEE9000 credit system certification standards |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104573937A (en) * | 2014-12-26 | 2015-04-29 | 广州科亚信息科技有限公司 | Enterprise credit website system |
| CN106355488A (en) * | 2016-09-28 | 2017-01-25 | 深圳市喜悦智慧数据有限公司 | Tax control method and system based on credit investigation |
| CN107958009A (en) * | 2016-10-18 | 2018-04-24 | 百度在线网络技术（北京）有限公司 | Company information acquisition methods, device and equipment |
| CN108376312A (en) * | 2018-02-07 | 2018-08-07 | 淄博职业学院 | A kind of construction project credit system and credit assessment method |
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| US20060095386A1 (en) * | 2004-11-04 | 2006-05-04 | Jun Andrew D | System and method for trust management |
| CN102760263A (en) * | 2011-04-27 | 2012-10-31 | 梁剑豪 | Method and device for monitoring commodity identity and credit in commodity circulation based on Internet of things |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104573937A (en) * | 2014-12-26 | 2015-04-29 | 广州科亚信息科技有限公司 | Enterprise credit website system |
| CN106355488A (en) * | 2016-09-28 | 2017-01-25 | 深圳市喜悦智慧数据有限公司 | Tax control method and system based on credit investigation |
| CN107958009A (en) * | 2016-10-18 | 2018-04-24 | 百度在线网络技术（北京）有限公司 | Company information acquisition methods, device and equipment |
| CN108376312A (en) * | 2018-02-07 | 2018-08-07 | 淄博职业学院 | A kind of construction project credit system and credit assessment method |
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Application publication date: 20140716 |
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