CN104732676B - Commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance - Google Patents
Commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance Download PDFInfo
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Abstract
The present invention discloses commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance, and the terminal includes following module：Registration is opened an account, banking terminal system homepage, commercial promotion management, background management system, data base encryption protection, Publishing System, corporate member's database, individual member's database, commodity sales promotion online shopping mall；The beneficial effects of the invention are as follows：1) convenience is limited by time and space whenever and wherever possible, not；2) hommization, daily thinking habit that is naturally reasonable, meeting people；3) property when both is realized immediately, no time lag fund retains；4) safety, global real name, personation are usurped phenomenon and are not susceptible to；5) uniformity, commerce and trade and finance, one-stop service, without operating respectively in a traditional way.
Description
Technical field
The present invention relates to technology of Internet of things, the more particularly to integrated Internet of Things banking terminal of commerce and trade and bank finance
System platform.
Background technology
Internet of Things is the important component of generation information technology, and the important development stage in " informationization " epoch.
Its English name is：“Internet of things(IoT)”.As its name suggests, Internet of Things is exactly the connected internet of object object.This
There is two layers of meaning：First, the core of Internet of Things and basis are still internet, it is extension and extension on Internet basic
Network；Second, its user terminal extends and extends between any article and article, information exchange and communication are carried out, that is,
Object object mutually ceases.Internet of Things communicates cognition technology by Intellisense, identification technology and general fit calculation etc., is widely used in network
In fusion, also therefore it is referred to as the third wave that world information industry develops after computer, internet.
But currently, the current situation of Internet of Things is not form a final complete exact Internet of Things concept definition,
Neither one molding Internet of Things model website；But the development trend of Internet of Things, which is for everybody, to be connected, object object is connected, everywhere phase
Connection, without not joining；So applicant by Internet of Things this generation information technology application on the bank field, bank's intelligent terminal version
Internet of Things development trend will be followed closely, the moment stands in the forefront of Intelligent terminal for Internet of things, allows banking terminal also towards everybody, object
Object develops everywhere, without the direction not joined.
In addition, the integrated Internet of Things banking terminal system platform of commerce and trade and bank finance that applicant is contemplated.
It is the commercial financial conglomerates that solid shop/brick and mortar store businessman, online shopping mall and banking system are integrated.With supermarket and chain
Terminal service platform of the cashier in shop as bank, builds huge bank outlets, gos deep into each corner of commercial circle and community, is
City and the business of rural general public provider's housecoat.With system, the product of bank service and businessman are taken to the ends of the earth, sent
To in face of the client of needs.
Invention content
To achieve the goals above, the present invention uses following technical scheme：
Commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance, the terminal include such as lower part
Point：Banking terminal system platform structure includes：
1, equivalent is determined, using electronic coin system, the electronic coin system includes silver-colored beans electronic coin system, golden beans electricity
Sub- coin system, electronics stock system；
2, registration is opened an account, and registration management system is divided into corporate member's registration and individual member's registration；
3, client homepage is operated, the client homepage can carry out supermarket shopping and money, shopping is handed over to deposit change and disappear
Take, the advance deposit repeatedly self-service single consumption of point of consumption and scene；
4, the auxiliary page of client is operated, the auxiliary page of client may be implemented cash or cross to block to transfer accounts, individual-to-individual
Turn money mutually, business to business turns mutually money, and B to C turns mutually money；
5, promotion management will coordinate promotion management, way to manage to be promoted for Online Propaganda on store and line, short range is
When send take-away to consume, long-range shopping online express delivery delivery consumption and suscribe to picking in shop on the net；
6, background management system, the background management system are bank debit and credit, credit, financing and other business；
7, data base encryption is protected, and ensures the process that fund pool is deposited or taken safely；
8, Publishing System, client's delivery system related news into system；
9, intelligent commodity inventory control system includes key product inventory report, and a key gets goods orders, above and below inventory
Overload alarm and purchase of merchandise inventory typing；
10, corporate member's database, corporate member's database are divided into following entry：A. gathering operator message table：
Record the information (multiple operators) of each cashier；B. archive information of enterprises table：Notebook archive information of enterprises；C. commodity valence
Lattice and quantity table：The price list and inventory amounts of commodity in logging system；D. merchandise sales statistical form：Dealer in logging system
The statistics of product；E. account fund balance sheet：The balance of funding of notebook enterprise in systems；F. Capital Flow statistical form：
H. notebook business capital flows statistics；
11, individual member's database, individual member's database are divided into following entry：A Profile information tables：Note
Carry personal detailed archives；B buys inventory table：Record purchase inventory in this system；C commodity consumption statistical forms：Notebook system
It purchases commodities and counts in system；D Capital Flow tablet menus：Record the domestic-investment gold flowing inventory of this system；E Capital Flow statistical forms：Notebook
Capital Flow counts in system；F account fund balance sheets：Record personal account remaining sum；
12, electronic coin fund pool database is divided into：A individual member's the balance of funding tables：Record individual bankroll B people of remaining sum
Member's Capital Flow tablet menu：It records individual bankroll and flows inventory C individual member's Capital Flow statistical forms：Record individual bankroll stream
Dynamic statistics D corporate member's the balance of funding tables：Record business capital remaining sum E corporate member's Capital Flow tablet menus：Record enterprise's money
Gold flowing inventory F corporate member's Capital Flow statistical forms：Record business capital flowing statistics.
Business prototype innovative part：
(1) Business Innovations Integrated Models, the terminal are a kind of innovations that commerce and trade and bank finance are combined into one
Business prototype, the same batch of people are integrated, a place can complete two parts of business, and working efficiency doubles, and cost halves.
(2) innovation implementation scheme model, the implementation of the terminal are that banking insertion businessman is collected money foreground, supermarket,
The services such as chain store, hotel, dining room, the general stores Shi Za gathering foreground and the service foreground of bank.
(3) innovative goals client model：The terminal is most source (supermarket, hotel etc.) direct lock onto target in transaction
Client allows fund to flow directly into bank.
(4) business security model is innovated：The terminal is that the ID cards of government issued and register of company number are known as safety
One of the means of other client, this mark can connection to global networks real-time retrieval check, improve safety coefficient, reduce personation usurp probability.
Electronic coin circulation ratio is classified as 1: 1 in the module 1.
Member registration can be business license code in the module 2, identity card, driving license, and passport is one such.
The module 3 and module 4 are a kind of banking terminal systems on embedded businessman's cashier foreground.Operation client master
The page and the auxiliary page, the gathering foreground of embedded businessman, the gathering foreground of businessman is exactly the subbranch business hall foreground of bank：Supermarket,
The gathering foreground such as chain store, hotel, dining room, foreground of not collecting money still, while being also the business hall foreground of bank.Two functions and
Two be one, saves manpower and place.Using the method for this insertion, bank is not required to open up any branch business hall, so that it may with
The business of bank is set to spread all over global the earth.
The cash consumption for including in the module 3 give for change change deposit Account Features, both facilitated businessman change and visitor
Family carries the loaded down with trivial details of change, and accelerates flowing into for fund pool, while also base has been established in the development for banking in module 4
Plinth.
The module 3,4,5 is run on intelligent terminal, with the popularization of technology of Internet of things, this banking terminal model to
That everybody is connected, object object is connected, the Internet of Things boundary that is connected everywhere is close.
The client homepage of the module 3 is divided into food and drink version and supermarket's version, and can be switched.
The carrier of the shopping online of the module 5 is computer or mobile phone, can be express delivery with goods or asks for.
The encryption method selection dynamic password protection of the module 7.
It can be that bar code or two-dimensional bar code read equipment that the system platform, which reads equipment, and magnetic stripe card reads equipment,
Magnetic stripe card reads equipment I C cards or ID cards reading equipment is one such.
The system platform running environment is Firefox Explorer browsers, Windows, Android, Apple behaviour
Make system.
The beneficial effects of the invention are as follows：
1. bank is global bank：The banking terminal system on embedded commercial affairs gathering foreground.Bank need not open up any
Popularization businessman's cashier of this system is only leaned in one branch business hall, so that it may with the business development of bank to any quotient in the whole world
Industry circle, the same batch of people, a place can together complete two business.
2. Multiple Code identifies the identity of account holder, government's ID cards, bar code card, ID cards, finger-print cipher, cell-phone number
Code, E-mail address, all-prupose credit card etc. can also be used for identification account holder's identity, save businessman and issue extra card piece and client
Carry the cumbersome of extra card；The global real name of government's ID cards reduces personation and usurps phenomenon, and a variety of identification methods give client
It brings easy to use.
3. between any enterprise and any individual, payment by the transfer of accounts on 7X24 Real-time Networks inside bank, all banks inside turn
Account, in real time income immediately.
4. bank is also Community banks, it is the business model of embedded businessman that the business hours, which facilitate client, bank, and community is just
The sharp shop business hours are exactly the business hours of bank, before class after class and the business hours such as festivals or holidays greatly facilitate client.
5. bank and other banks, mutually turn fund, the amount of money in bank account can go to other banks at any time；Other
The amount of money of bank can also go to bank, receipts cash can be changed and be automatically credited in bank account.Save businessman's small change
Money and client carry the cumbersome of change, and accelerate the accumulation in bank capital pond.
6. bank docks in real time with insurance and finance product, facilitate services client, insurance business and finance product, bank can
It acts on behalf and manages for client.
7. bank docks in real time with stock and fund, facilitate clients investment, the client of bank that can pass through bank's direct investment
Stock or fund.
8. bank docks with enterprise, act on behalf payment for goods and provide salary business, bank can be that enterprise pays out payment for goods or provides firewood
Water.
9. bank docks with venture fund project, investment and financing service is acted on behalf, bank is that investment and financing service is done by enterprise, assists enterprise
Industry project, which obtains, manages loan.
10. the transnational changing money of bank and international remittance can be the transnational changing money of international travel personage or international remittance.
The foreground 11. businessman collects money, embedded promotional awards mechanism, is both cashier and commercial promotions platform, receives service
Account is just opened, is easy to expand market, it is convenient to promote, and embedded intelligent terminal is connected, object object is connected, everywhere towards everybody
The Internet of Things boundary development being connected.
The foreground 12. businessman collects money, embedded promotional awards mechanism is both cashier and commercial promotions platform, and insertion is online
Store, on-line off-line synchronization are that businessman does commercial promotions, and the smart mobile phone of embedded client, everybody can do on-line off-line purchase everywhere
Object operates and banking operation.
13. banking terminal is embedded in the hardware carrier of Internet of Things：1) the intelligence wearing carrier example that can smart mobile phone, 2) surf the Internet
Such as：Smartwatch, pocket-watch, intelligent necklace pendant, the intelligent sign fixed to the sides of public transport vehicles showing the route number or terminal, chest card etc..
The effect of embedded Internet of Things：1) convenience is limited by time and space whenever and wherever possible, not；2) hommization, it is natural
Rationally, meet the daily thinking habit of people；3) property when both is realized immediately, no time lag fund retains；4) safety,
Global real name, personation are usurped phenomenon and are not susceptible to；5) uniformity, commerce and trade and finance, one-stop service, without dividing in a traditional way
It does not operate；6) in addition standard using the standard certificate of government issued, can not issue other card certificates；7) popularization adds
Alliance pools, and any corporate member and individual member can join this system according to commercial management regulations, become and join operator.
Description of the drawings
Fig. 1 module flow diagrams of the present invention.
Fig. 2 is that bar code or two-dimensional bar code read equipment.
Fig. 3 is that magnetic stripe card reads equipment.
Fig. 4 is that magnetic stripe card reads equipment I C cards or ID cards read equipment.
The bank card and credit card that Fig. 5 is read equipment.
Specific implementation mode
Further specific implementation explanation is done to the present invention below in conjunction with the accompanying drawings：
As shown in Figure 1, there is shown, commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance, the system
Including such as lower part：
1, equivalent is determined, using electronic coin system, the electronic coin system includes silver-colored beans electronic coin system, golden beans electricity
Sub- coin system, electronics stock system；
2, registration is opened an account, and registration management system is divided into corporate member's registration and individual member's registration；
3, client homepage is operated, the client homepage can carry out supermarket shopping and money, shopping is handed over to deposit change and disappear
Take, the advance deposit repeatedly self-service single consumption of point of consumption and scene；
4, the auxiliary page of client is operated, the auxiliary page of client may be implemented cash or cross to block to transfer accounts, individual-to-individual
Turn money mutually, business to business turns mutually money, and B to C turns mutually money；
Solid shop/brick and mortar store under online shopping mall and line is coordinated promotion management, way to manage to promote for Online Propaganda by 5, promotion management
Pin, short range send take-away to consume immediately, and picking in shop is consumed and suscribed on the net in long-range shopping online express delivery delivery；
6, background management system, the background management system are bank debit and credit, credit, financing and other financial services
Business；
7, data base encryption is protected, and ensures the process that fund pool is deposited or taken safely；
8, online letter system breath distribution system, client's delivery system related news into system；
9, intelligent commodity inventory control system includes key product inventory report, and a key gets goods orders, above and below inventory
Overload alarm and purchase of merchandise inventory typing；
10, corporate member's database, corporate member's database are divided into following entry：A. gathering operator message table：
Record the information (multiple operators) of each cashier；B. archive information of enterprises table：Notebook archive information of enterprises；C. commodity valence
Lattice and quantity table：The price list and inventory amounts of commodity in logging system；D. merchandise sales statistical form：Dealer in logging system
The statistics of product；E. account fund balance sheet：The balance of funding of notebook enterprise in systems；F. Capital Flow statistical form：
H. notebook business capital flows statistics；
11, individual member's database, individual member's database are divided into following entry：A Profile information tables：Note
Carry personal detailed archives；B buys inventory table：Record purchase inventory in this system；C commodity consumption statistical forms：Notebook system
It purchases commodities and counts in system；D Capital Flow tablet menus：Record the domestic-investment gold flowing inventory of this system；E Capital Flow statistical forms：Notebook
Capital Flow counts in system；F account fund balance sheets：Record personal account remaining sum；
12, electronic coin fund pool database is divided into：A individual member's the balance of funding tables：Record individual bankroll B people of remaining sum
Member's Capital Flow tablet menu：It records individual bankroll and flows inventory C individual member's Capital Flow statistical forms：Record individual bankroll stream
Dynamic statistics D corporate member's the balance of funding tables：Record business capital remaining sum E corporate member's Capital Flow tablet menus：Record enterprise's money
Gold flowing inventory F corporate member's Capital Flow statistical forms：Record business capital flowing statistics.
Business prototype innovative part：
(1) Business Innovations Integrated Models, the terminal are a kind of innovations that commerce and trade and bank finance are combined into one
Business prototype, the same batch of people are integrated, a place can complete two parts of business, and working efficiency doubles, and cost halves.
(2) innovation implementation scheme model, the implementation of the terminal are that banking insertion businessman is collected money foreground, supermarket,
The services such as chain store, hotel, dining room, the general stores Shi Za gathering foreground and the service foreground of bank.
(3) innovative goals client model：The terminal is most source (supermarket, hotel etc.) direct lock onto target in transaction
Client allows fund to flow directly into bank.
(4) business security model is innovated：The terminal is that the ID cards of government issued and register of company number are known as safety
One of the means of other client, this mark can connection to global networks real-time retrieval check, improve safety coefficient, reduce personation usurp probability.
Electronic coin circulation ratio is classified as 1: 1 in the module 1.
Member registration can be business license code in the module 2, identity card, driving license, and passport is one such.
The client homepage of the module 3 is divided into food and drink version and supermarket's version, and can be switched.
The carrier of the shopping online of the module 5 is computer or mobile phone, can be express delivery with goods or asks for.
The encryption method selection dynamic password protection of the module 7.
It can be that bar code or two-dimensional bar code read equipment that the system platform, which reads equipment, and magnetic stripe card reads equipment,
It is one such that IC card or ID cards read equipment.
The system platform running environment is Firefox Explorer, Windows, Android, Apple.
Further implementation explanation is done to the present invention with reference to Feng Lian banks：
Feng Lian banks are banking system and the integrated innovation banking system pattern of businessman.
Feng Lian banks are exactly not open up the feelings of branch between any one individually at oneself using this system platform or terminal
Under condition, the service foreground of Feng Lian banks is allowed to spread all over the world any business circles.Maple is joined banking system platform, before embedded businessman's gathering
Platform makes the most Feng Lian banks of a global bank service network together with businessman.
The personal ID card numbers of government issued are exactly one of your maple connection bank individual account：Each of every country is legal
The ID cards that citizen Dou You governments provide, you need not open an account, and for you, all set your international maple joins account for international Feng Lian banks
Number.
The corporate number or business license number of government registries are exactly one of your maple connection banking establishments account：Without opening
Family, the register of company number of legitimate enterprise or business license number are exactly the maple connection Bank Account Number of your company.
The gathering foreground of businessman is exactly the subbranch business hall foreground of Feng Lian banks：The receipts such as supermarket, chain store, hotel, dining room
Money foreground is exactly the business hall foreground of Feng Lian banks.Consumer sale cashier and bank's foreground integration.Save manpower and field
Ground, direct blocked funds source allow fund to flow into Feng Lian banks.
Purchase and consumption hands over money foreground, facilitates access small amount change at any time：When customer consumes in cash, if change
It is inconvenient to carry, back to zero money can be kept the change, change deposit maple is directly joined account.Both facilitate client, be also convenient for businessman, also increase
Bank has been added to keep accounts volume.It is stored in the change amount of money of maple connection account, can draw or consume at any time.
Scene repeats frequently consumption, pays a bill without each card of crossing：Such as in bar, a whole night, customer consumption bought wine 5 times,
He does not have to be paid a bill with credit card or bank card every time.It crosses how much card is once expected consumption, is prestored into maple connection account, consumes every time
When buying wine, sweeping lower ID can.Left fund can be retracted in credit card or bank card, can also stay in maple connection account and use from now on.Both
Customer is facilitated, and increases the chance for the volume that keeps accounts in advance.
Feng Lian banks bring consumption preferential to client, and client is happy to become member：Because Feng Lian banks are embedded businessman's clothes
The outstanding pattern bank of business platform, businessman and bank are integrated, and the preferential promotion of businessman is directly to member's material benefit, and client is very
It is happy to that this member is added.
Without actively opening account, receives maple connection bank transfer gathering and just opened account immediately：Your account is exactly for you
Government's ID number, receiving transfers accounts gathering, your account is just open-minded.Enterprise account is also such.
The member of Feng Lian banks is also manager and the popularization quotient of Feng Lian banks, participates in promoting and just acquire an advantage：Maple connection silver
Capable member has just opened their account, has just played popularization to the individual or enterprise's accounting payment for not opening maple connection account
The effect of Feng Lian banks.And Extension Model is designed with interests and is given to promoter, everybody is encouraged to go to promote Feng Lian banks.Who is promoted
Client who assist management, so member be also manager.
Feng Lian banks member is also shareholder, and member merchandises Feng Lian banks internal-certificates at any time：Receive member clients investment maple
Join bank's internal-certificates, member is allowed also to become shareholder, is developed with the phychology participating banks of owner.
Feng Lian banks are that businessman locks client：The client for carrying out maple connection corporate member's unit consumption, maple has been opened once consuming
Join account, here with the presence of some money, is bound to consume again back.Viscosity is that businessman has locked client like this.
Feng Lian banks are that businessman brings customers：Once businessman member has opened maple connection account, shops of retail shop puts up receiving
The label of maple connection payment, most individual members can be ready to carry out this member businessman consumption.It is thus that businessman brings a collection of visitor
Family group.
Feng Lian banks are the on-line off-line synchronous promotion of businessman, are increased economic efficiency for trade company member：Feng Lian banks are not still
Payment services have also prepared maple for corporate member and have joined store, product is allowed to move in store, and enterprise is on-line off-line promotes simultaneously for side, increases
Add sales volume, increases economic efficiency.
Feng Lian banks assist enterprise to make industrial chain：All corporate members for joining store into maple, can be ready in store
High-quality believable upstream and downstream partner finds in internal member unit, just constitutes industrial chain naturally.
Feng Lian banks carry out whole third party's trade payment for goods guarantee：For international trade third party guarantees payment for goods, increase trade
Credit worthiness.It enters purchase quotient warehouse from kinds of goods manufacture to kinds of goods to check and accept, whole kinds of goods and payment for goods guarantee.
Feng Lian banks are nuclear explosion formula market expansion schemes, and market prospects are fine：One single member develops a supermarket
As corporate member.This supermarket develops the thousands of individual member for carrying out supermarket shopping again.Market business pattern and economy
The effect of interests, this thousands of individual member actively go to develop the businessmans members such as thousands of a supermarkets or chain store again.
Member's quantity of going down in this way will geometric growth, so the foreground of Feng Lian banks is inestimable.Feng Lian banks will become the whole world
The most commerce and trade financial conglomerates of service network.
It is the hardware device that terminal uses below：
1. government ID card personal information reads equipment：ID card personal information for reading government issued is known with this information
Other maple joins bank individual membership.The ID cards that country variant and province are issued are different, it usually needs following reading is set
It is standby：
Bar code or two-dimensional bar code read equipment (Fig. 2)；
Magnetic stripe card reads equipment (Fig. 3)；
Magnetic stripe card reads equipment I C cards or ID cards read equipment (Fig. 4)；
2. bank card and credit card read equipment (Fig. 5)：For fund to be gone to maple from personal bank card or credit card
Join to come in bank account；
3. Feng Lian banks ID cards read equipment：It is the same with ID cards reading instrument above, Feng Lian banks are read to individual client
A kind of ID cards of distribution；
4. numeric keypad Password Input special equipment：Account number cipher is inputted for client's Xiang Feng connection banking systems；
5. finger-print cipher reads equipment：For reading finger-print cipher, account holder's identity is recognized；
6. bill printer special equipment：For exporting the required printed tickets of client；
Maple joins hardware environment needed for banking system platform：The large, medium and small terminals of A, B small table computers, C notes
This formula computer, D tablet computers, E smart mobile phones, other intelligent equipments for surfing the net of F.
Maple joins software environment needed for banking system platform：
Firefox Explorer：The specified device that surfs the web
Windows：Computer system running environment
Android：Android Series Intelligent equipment operating environment
Apple：Apple Computers series or apple smart mobile phone running environment
One, maples join bank electronic coin system
Silver-colored beans electronic coin system is arbitrarily exchanged with market circulation coin 1: 1；
Golden beans electronic coin system, and market circulation coin 1: 1, but market coin can not be gained, only consume
Maple joins electronics stock system, and reward promotion system gives maple community of stock ticket.It will sell future, Feng Lian listed stocks are just valuable
Value.
Two, registration management systems
Corporate member registers, and creates and logs in office worker ID, business license code ID, and typing Product Price List creates Feng Lian banks
Account；
Individual member registers, and creates maple and joins bank account ID, such as：Driving license bar code, maple connection bar code card, ID cards.
Three, maple joins bank client homepage, and interface of collecting money, system work stays in this interface often；
Supermarket shopping cashier's counter, food and drink version and supermarket's version, two versions any switching laws at any time；
Change consumption is deposited in shopping, and supermarket shopping gives change deposit account for change, and no account can scan ID and open an account immediately；
Advance deposit is repeatedly consumed, and is stored in 100 yuan of account with credit card in bar, is often bought 5 yuan of a Glass Of Wine account button, is not had to every
Secondary brush credit card；
The single consumption of the self-service point in scene is voluntarily ordered payment in dining room with mobile phone, and kitchen, which is seen, to be carried out, and waiter is sent to dining table
On.
Four, maple joins the auxiliary page of bank client
Cash or mistake card are transferred accounts, and join bank client in maple, operation is produced in deposit.The person that do not open an account, which can quickly be scanned, to open an account；
It is individual-to-individual to turn money mutually；Business to business turns mutually money；B to C turns mutually money, and any equipment online turns mutually
Account；If other side does not open an account, a receipt on account is just opened an account automatically into system.
Coordinate promotion management on five, maples connection store line
Feng Lian online shopping malls, solid shop/brick and mortar store businessman's Online Propaganda promotes under line of engagement.Client in maple contact system and businessman's money
Source total system is shared, convenient for being promoted for businessman.
Short range send take-away to consume immediately, in maple contact system, opens surfing Internet with cell phone and orders takeaway, it is specified that the time is sent to；
Long-range shopping online express delivery delivery consumption, the shopping online at any time of computer, mobile phone, express delivery delivery；
It suscribes to picking in shop on the net, in maple contact system, pays the bill in online division, to picking in shop.
Six, Feng Lian banks background management systems
Maple joins enterprise bank debt-credit, has fund to retain enterprise, is borrowed or lent money to demand fund enterprise；
Maple joins enterprise bank credit, and maple connection enterprise bank has huge cash flow, can apply for credit to state bank, borrow to enterprise
Industry；
Maple joins enterprise bank financing, melts idle money in collecting system, and member enterprise is helped to solve the problems, such as to lack of capital；
Other business of maple connection enterprise bank assist member's development in this system with market finance method.
Seven, data base encryptions are protected
Fund pool storage/access process, only this encrypted dedicated process, can just access fund pool data, effective protection
Fund pool database security；
Data base encryption is protected, maple linkage state code encryption protection, anti-hackers attack.
Eight, Feng Lian banks believe system's breath distribution system on the net
Information issuing system, into system, client issues maple contact system related news.
Nine, intelligence commodity inventory control systems；
One key product inventory is reported；
One key gets goods orders, and order goods is stocked up；
Overload alarm above and below inventory, the too high or too low alarm of commodity stocks amount；
Purchase of merchandise inventory typing：Quantities of inventory is entered into system.
Ten, Database Systems
Corporate member's database, corporate member's database are divided into following entry：A. gathering operator message table：It records
The information (multiple operators) of each cashier；B. archive information of enterprises table：Notebook archive information of enterprises；C. commodity price
With quantity table：The price list and inventory amounts of commodity in logging system；D. merchandise sales statistical form：Vending articles in logging system
Statistics；E. account fund balance sheet：The balance of funding of notebook enterprise in systems；F. Capital Flow statistical form：H.
Notebook business capital flows statistics；
Individual member's database, individual member's database are divided into following entry：A Profile information tables：It records a
The detailed archives of people；B buys inventory table：Record purchase inventory in this system；C commodity consumption statistical forms：It records in this system
It purchases commodities and counts；D Capital Flow tablet menus：Record the domestic-investment gold flowing inventory of this system；E Capital Flow statistical forms：Record this system
Interior Capital Flow statistics；F account fund balance sheets：Record personal account remaining sum；
Electronic coin fund pool database is divided into：A individual member's the balance of funding tables：Record individual bankroll remaining sum B individual members
Capital Flow tablet menu：It records individual bankroll and flows inventory C individual member's Capital Flow statistical forms：Record individual bankroll flowing system
Count D corporate member's the balance of funding tables：Record business capital remaining sum E corporate member's Capital Flow tablet menus：Record Fund Flow of Enterprises
Dynamic inventory F corporate member's Capital Flow statistical forms：Record business capital flowing statistics.
The above content is combine specific optimal technical scheme to the present invention further description, but be not for
Limit the present invention.For belonging to the present invention technical field or those of ordinary skill for, or else be detached from present inventive concept before
It puts, possible variation and modification can be made, therefore protection scope of the present invention should be with the claims in the present invention institute circle
Subject to fixed range.
Claims (10)
1. commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance, which is characterized in that the terminal packet
Include following module：
1, equivalent is determined, using electronic coin system, the electronic coin system includes silver-colored beans electronic coin system, golden beans electronic coin body
System, electronics stock system；
2, registration is opened an account, and registration management system is divided into corporate member's registration and individual member's registration；
3, client homepage is operated, the client homepage can carry out purchase and consumption and money and service location is handed over to hand over money, purchase
Object or service hand over the remaining change of money that can be automatically credited account, advance deposit repeatedly the single consumption of the self-service point of consumption and scene, self-service pair
Money；
4, the auxiliary page of client is operated, the auxiliary page of client may be implemented cash or cross to block to transfer accounts, individual-to-individual mutual
Turn money, business to business turns mutually money, and B to C turns mutually money；
Solid shop/brick and mortar store under online shopping mall and line is coordinated promotion management, way to manage to be promoted for Online Propaganda by 5, promotion management,
Short range send take-away to consume immediately, and picking in shop is consumed and suscribed on the net in long-range shopping online express delivery delivery；
6, background management system, the background management system are bank debit and credit, credit, financing and other financing services；
7, data base encryption is protected, and ensures the process that fund pool is deposited or taken safely；
8, Publishing System, client's delivery system related news into system；
9, intelligent commodity inventory control system is reported including a key product inventory, and a key gets goods orders, and inventory is transfinited up and down
Alarm and purchase of merchandise inventory typing；
10, corporate member's database, corporate member's database are divided into following entry：
A. gathering operator message table：Record the information of each cashier；
B. archive information of enterprises table：Notebook archive information of enterprises；
C. commodity price and quantity table：The price list and inventory amounts of commodity in logging system；
D. merchandise sales statistical form：The statistics of vending articles in logging system；
E. account fund balance sheet：The balance of funding of notebook enterprise in systems；
F. Capital Flow statistical form：
H. notebook business capital flows statistics；
11, individual member's database, individual member's database are divided into following entry：
A Profile information tables：Record personal detailed archives；
B buys inventory table：Record purchase inventory in this system；
C commodity consumption statistical forms：Record statistics of purchasing commodities in this system；
D Capital Flow tablet menus：Record the domestic-investment gold flowing inventory of this system；
E Capital Flow statistical forms：Record the domestic-investment gold flowing statistics of this system；
F account fund balance sheets：Record personal account remaining sum；
12, electronic coin fund pool database is divided into：
A individual member's the balance of funding tables：Record individual bankroll remaining sum；
B individual member's Capital Flow tablet menus：It records individual bankroll and flows inventory；
C individual member's Capital Flow statistical forms：Record individual bankroll flowing statistics；
D corporate member's the balance of funding tables：Record business capital remaining sum；
E corporate member's Capital Flow tablet menus：It records business capital and flows inventory；
F corporate member's Capital Flow statistical forms：Record business capital flowing statistics.
2. commerce and trade according to claim 1 and the integrated Internet of Things banking terminal system platform of bank finance,
It is characterized in that, the terminal further includes following business prototype innovation：
(1) Business Innovations Integrated Models, the terminal are a kind of Innovation Integrations that commerce and trade and bank finance are combined into one
Business prototype, the same batch of people, a place can complete two parts of business；
(2) innovation implementation scheme model, the implementation of the terminal are that banking insertion businessman is collected money foreground, supermarket, chain
The services such as shop, hotel, dining room, the general stores Shi Za gathering foreground and the service foreground of bank；
(3) innovative goals client model：The terminal is to allow fund directly to flow in the direct lock onto target client in the most source of transaction
Enter bank；
(4) business security model is innovated：The terminal is using the ID cards of government issued and register of company number as safety identification visitor
One of the means at family, this mark can connection to global networks real-time retrieval check, improve safety coefficient, reduce personation usurp probability.
3. commerce and trade according to claim 1 and the integrated Internet of Things banking terminal system platform of bank finance,
It is characterized in that：Electronic coin circulation ratio is classified as 1: 1 in the module 1.
4. commerce and trade according to claim 1 and the integrated Internet of Things banking terminal system platform of bank finance,
It is characterized in that：Member registration account can be business license number, ID card No., licence number, passport No. in the module 2
Code is one such.
5. commerce and trade according to claim 1 and the integrated Internet of Things banking terminal system platform of bank finance,
It is characterized in that：The client homepage of the module 3 is divided into food and drink version and supermarket's version, computerized version and mobile phone version, Chinese edition
And English edition, and version can be switched at any time.
6. commerce and trade according to claim 1 and the integrated Internet of Things banking terminal system platform of bank finance,
It is characterized in that：The module 3 and module 4 are a kind of banking terminal systems on embedded businessman's cashier foreground.
7. commerce and trade according to claim 1 and the integrated Internet of Things banking terminal system platform of bank finance,
It is characterized in that：The carrier of the shopping online of the module 5 is computer or mobile phone, can be express delivery with goods or asks for.
8. commerce and trade according to claim 1 and the integrated Internet of Things banking terminal system platform of bank finance,
It is characterized in that：The encryption method selection dynamic password protection of the module 7.
9. commerce and trade according to claim 1 and the integrated Internet of Things banking terminal system platform of bank finance,
It is characterized in that：It can be that bar code or two-dimensional bar code read equipment that the system platform, which reads equipment, and magnetic stripe card reads equipment,
It is one such that fingerprint reading systems, IC card or ID cards read equipment.
10. commerce and trade according to claim 1 and the integrated Internet of Things banking terminal system platform of bank finance,
It is characterized in that：The system platform running environment is Firefox Explorer browsers, Windows, Android, Apple behaviour
Make system.
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| CN201510152347.2A CN104732676B (en) | 2015-04-01 | 2015-04-01 | Commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance |
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| CN104732676B true CN104732676B (en) | 2018-07-27 |
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| CN107958372A (en) * | 2017-11-22 | 2018-04-24 | 中国银行股份有限公司 | Whole paper money keeps accounts method, apparatus, storage medium and equipment |
| CN108257051B (en) * | 2018-01-16 | 2020-09-22 | 福建省农村信用社联合社 | Driving training system based on special business and electronic account in bank area |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1851742A (en) * | 2006-02-07 | 2006-10-25 | 郭建军 | Fingerprint member reward consumption system |
| CN101329793A (en) * | 2008-07-30 | 2008-12-24 | ***集团宽带业务应用国家工程实验室有限公司 | Method and system for processing electric currency information |
| CN102332136A (en) * | 2011-09-19 | 2012-01-25 | 广东易通网络科技有限公司 | Shopping system |
| CN103226777A (en) * | 2013-03-15 | 2013-07-31 | 曹征 | Interactive platform for paid advertisements |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP1316035A4 (en) * | 2000-08-08 | 2006-05-17 | Euronet Worldwide Inc | Multifunctional mobile banking system |
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Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1851742A (en) * | 2006-02-07 | 2006-10-25 | 郭建军 | Fingerprint member reward consumption system |
| CN101329793A (en) * | 2008-07-30 | 2008-12-24 | ***集团宽带业务应用国家工程实验室有限公司 | Method and system for processing electric currency information |
| CN102332136A (en) * | 2011-09-19 | 2012-01-25 | 广东易通网络科技有限公司 | Shopping system |
| CN103226777A (en) * | 2013-03-15 | 2013-07-31 | 曹征 | Interactive platform for paid advertisements |
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