CN104966207A - Trading consumption credit point accumulation and credit extension platform and method - Google Patents
Trading consumption credit point accumulation and credit extension platform and method Download PDFInfo
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- CN104966207A CN104966207A CN201510277012.3A CN201510277012A CN104966207A CN 104966207 A CN104966207 A CN 104966207A CN 201510277012 A CN201510277012 A CN 201510277012A CN 104966207 A CN104966207 A CN 104966207A
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- credit
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Abstract
The invention relates to a trading consumption credit point accumulation and credit extension platform, comprising a consumption user end including a consumption user credit unionpay point account; a providing user end comprising a providing user credit unionpay point account; a trading end; a trading card generating end; a data extraction unit; a bank transaction data center system comprising a credit point calculating unit, a recording memory cell and a payment unit; and a credit service management system data center comprising a credit extension unit, wherein the consumption user credit unionpay point account of the consumption user, and the user credit unionpay point account of the providing user end are both credit unionpay point cards which are uniformly issued after the bank transaction data center system and the credit service management system data center are connected. The platform and method provide point data recording for consumers, and credit data recoding for merchants, and expand the line of being credited for the merchants through allowing each citizen to obtain credit extension after consumption credit point accumulation.
Description
Technical field
The invention belongs to business, financial data handling system or method field, more specifically, relate to accumulative and credit platform and the method for consumer credit integration in a kind of transaction.
Background technology
Clearly propose " to strengthen government affairs sincere about the notice and party eighteen major report printing and distributing establishment of social credit system planning outline according to State Council, commercial affairs are sincere, society is sincere and the administration of justice is public believes construction ", therefore domestic credit System Construction develop rapidly, be gradually improved, but in many aspects, existing credit system also comes with some shortcomings, such as: citizen's credit system coverage rate is low, rural area citizen, without steady job personnel, can not get credit power, the general accrediting amount of businessman is on the low side, seriously constrain citizen in daily life, the developing normal economic activity of national economic development, when citizen accepts businessman in consumption, enterprise gives and returns sharp integration, major part is all a company or businessman one card, gives in the activity of accumulating card, can carry various accumulating cards during consumer spending, bring great inconvenience to client in numerous businessman.
Summary of the invention
The object of the invention is to, for above-mentioned defect, accumulative and the credit platform of consumer credit integration in a kind of transaction is provided, credit score data can be provided for credit services system, be consumer and provide integration data record, again for credit data record has done in businessman, it can obtain credit by each citizen after total mark of consumption accumulation, and businessman is increased by the accrediting amount.
Another object of the present invention there is provided the accumulative and credit method of consumer credit integration in a kind of transaction, it be a kind of apply to credit building platform under to link the accumulative and credit method of citizen, bank, insurance, enterprise, businessman's consume activity, can link with financial institution, to market rapid abutting joint with excessive.
Technical scheme of the present invention is as follows:
An accumulative and credit platform for consumer credit integration in transaction, comprising:
At least one consumption user end, each described consumption user end comprises the credit Unionpay points account of at least one consumption user;
At least one provides user side, provide user side to comprise described in each credit Unionpay points account that at least one provides user;
At least one end of concluding the business, each described transaction end comprises settlement of transactions interface, identity validation unit;
Wherein: described settlement of transactions interface is used for user and completes settlement of transactions; Described identity validation unit and user side communication, for confirming the account information of user identity and extraction user;
At least one trading card produces end, and each described trading card produces end and comprises trading card generation unit;
Wherein: described trading card generation unit and described clearing interface and identity validation unit communications, for generation of the trading card that the user and described settlement of transactions interface phase with described confirmation status is correlated;
Data extracting unit, communicates with trading card generation unit, for extracting the information in described trading card;
Bank transaction data center systems comprises integral and calculating unit, record storage unit, payment unit;
Wherein: described integral and calculating unit, total mark of consumption concrete between user with consumption user is provided for calculating according to the agreement provided between user with consumption user and calculates according to the total mark of consumption information imported the credit score providing user to be associated;
Described record storage unit, provides user to import the remittance information of described consumption user total mark of consumption for recording to store;
The credit Unionpay points account of described payment unit and described integral and calculating unit, described consumption user, described in provide the credit Unionpay points account of user to communicate, for described total mark of consumption is imported the described consumption user be associated credit Unionpay points account in and described credit score imported be associated described in provide in the credit Unionpay points account of user;
Credit services management system data center comprises credit unit, described credit services management system data center and described bank transaction data center systems communicate, and improve corresponding described consumption user and the described accrediting amount providing user for the amount according to the total mark of consumption of described consumption user and the credit score of the described user of providing;
The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the described user of providing are all unified credit Unionpay accumulating cards issued after being docked by described bank transaction data center systems and described credit services management system data center complex.
An accumulative and credit method for consumer credit integration in transaction, comprises the following steps:
After consumption user completes transaction, produce the trading card be associated;
Extract the information in described trading card, provide user to import the credit Unionpay points account of described consumption user in by bank transaction data center systems by the total mark of consumption of consumption gained according to the agreement between itself and consumption user;
Described bank transaction data center systems record also stores the remittance information that the above-mentioned user of providing imports described consumption user total mark of consumption;
The credit score that the described user of providing is associated according to above-mentioned remittance information acquisition also provides in the credit Unionpay points account of user described in this credit score imports by described bank transaction data center systems;
Described remittance information is sent to credit services management system data center by described bank transaction data center systems;
Described consumption user and the described accrediting amount providing user improve according to the amount of the credit score of the total mark of consumption of described consumption user and the described user of providing in described credit services management system data center;
The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the described user of providing are all unified after being docked by described bank transaction data center systems and described credit services management system data center complex distribution.
Beneficial effect of the present invention: the present invention can improve credit coverage rate, it is by the businessman of enterprise that holds, the credit score bulk registration of citizen, each citizen can be made to have by the qualification of credit, credit coverage rate is made to reach 100%, accumulated by the savings of credit score, and obtain credit, make Chinese citizen in the middle of current consumption, naturally just obtain credit qualification, the accumulative growth that each citizen of holding can also be made can be saved by total mark of consumption and have credit card, make all civic participations wherein, and under credit system safeguards help, obtain self-confident and growth living guarantee.
The raising of credit coverage rate; make separated letter personnel without living space; promote the normal fast development of stake holder economy environment; meanwhile also protect consumer's interests; facilitate consumer again, further promote the sale of businessman, the unified credit system of joining of amount input of integration is given in this consumption; then the integration that utilization consumption is given carries out bank, insurance financing, and in order to promote, economy industrial chain is steady, fast development serves great facilitation.
Accompanying drawing explanation
Fig. 1 is the structure distribution index map of the accumulative of consumer credit integration in a kind of transaction realizing the present invention relates to and credit platform and method;
Fig. 2 is the structural representation of the credit Unionpay accumulating card pros and cons that the present invention relates to.
Embodiment
Below in conjunction with embodiment and accompanying drawing, embodiments of the present invention are described in further detail:
As shown in Figure 1, the accumulative and credit platform of consumer credit integration in a kind of transaction, comprising: at least one consumption user end 1, each consumption user end 1 comprises the credit Unionpay points account of at least one consumption user; At least one provides user side 2, each provide user side 2 to comprise credit Unionpay points account that at least one provides user; At least one end 3 of concluding the business, each transaction end comprises settlement of transactions interface 4, identity validation unit 5; Wherein: settlement of transactions interface 4 completes settlement of transactions for user; Identity validation unit 5 and user side communication, for confirming the account information of user identity and extraction user; At least one trading card produces end 6, and each trading card produces end and comprises trading card generation unit 7; Wherein: trading card generation unit 7 and clearing interface 4 and identity validation unit 5 communication, for generation of the trading card that the user and settlement of transactions interface phase with confirmation status is correlated; Data extracting unit 8, communicates with trading card generation unit 7, for extracting the information in trading card; Bank transaction data center systems 9 comprises integral and calculating unit 10, record storage unit 11, payment unit 12; Wherein: integral and calculating unit 9, total mark of consumption concrete between user with consumption user is provided for calculating according to the agreement provided between user with consumption user and calculates according to the total mark of consumption information imported the credit score providing user to be associated; Record storage unit 10, provides user to import the remittance information of described consumption user total mark of consumption for recording to store; The credit Unionpay points account of payment unit 12 and integral and calculating unit 10, consumption user, provide the credit Unionpay points account of user to communicate, for total mark of consumption is imported the consumption user be associated credit Unionpay points account in and credit score remittance is associated provide in the credit Unionpay points account of user; Credit services management system data center 13 comprises credit unit 14, credit services management system data center 13 and bank transaction data center systems 9 communicate, for according to the total mark of consumption of consumption user with provide the amount of the credit score of user to improve corresponding consumption user and the accrediting amount providing user.
The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the described user of providing be all by bank transaction data center systems 9 and credit services management system data center 13 combine dock after the unified credit Unionpay accumulating card issued, shown in a, b of seeing Fig. 2.
The front of this card is printed on issued by banks unit and bank's card number and integration card number, and reverse side includes name and identification card number, and identity card picture, is printed with service unit simultaneously and supervises unit bottom card.
Consumption user can log at internet credit services management system platform, enters credit services management system data center systems, inputs oneself account and password can inquire about integration information.
There is provided user can log at internet credit services management system platform, enter credit services management system data center systems, input oneself account and password can inquire about integration information.
Realize an accumulative and credit method for consumer credit integration in transaction, comprise the following steps: after consumption user completes transaction, produce the trading card be associated; Extract the information in described trading card, provide user to import the credit Unionpay points account of described consumption user in by bank transaction data center systems by the total mark of consumption of consumption gained according to the agreement between itself and consumption user; Described bank transaction data center systems record also stores the remittance information that the above-mentioned user of providing imports described consumption user total mark of consumption; The credit score that the described user of providing is associated according to above-mentioned remittance information acquisition also provides in the credit Unionpay points account of user described in this credit score imports by described bank transaction data center systems; Described remittance information is sent to credit services management system data center by described bank transaction data center systems; Described consumption user and the described accrediting amount providing user improve according to the amount of the credit score of the total mark of consumption of described consumption user and the described user of providing in described credit services management system data center;
The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the described user of providing are all unified after being docked by described bank transaction data center systems and described credit services management system data center complex distribution.
Invention increases credit coverage rate; make separated letter personnel without living space; promote the normal fast development of stake holder economy environment; meanwhile also protect consumer's interests; facilitate consumer again, further promote the sale of businessman, the unified credit system of joining of amount input of integration is given in this consumption; then the integration that utilization consumption is given carries out bank, insurance financing, and in order to promote, economy industrial chain is steady, fast development serves great facilitation.
Claims (2)
1. the accumulative and credit platform of consumer credit integration in transaction, is characterized in that, comprising:
At least one consumption user end, each described consumption user end comprises the credit Unionpay points account of at least one consumption user;
At least one provides user side, provide user side to comprise described in each credit Unionpay points account that at least one provides user;
At least one end of concluding the business, each described transaction end comprises settlement of transactions interface, identity validation unit;
Wherein: described settlement of transactions interface is used for user and completes settlement of transactions; Described identity validation unit and user side communication, for confirming the account information of user identity and extraction user;
At least one trading card produces end, and each described trading card produces end and comprises trading card generation unit;
Wherein: described trading card generation unit and described clearing interface and identity validation unit communications, for generation of the trading card that the user and described settlement of transactions interface phase with described confirmation status is correlated;
Data extracting unit, communicates with trading card generation unit, for extracting the information in described trading card;
Bank transaction data center systems comprises integral and calculating unit, record storage unit, payment unit;
Wherein: described integral and calculating unit, total mark of consumption concrete between user with consumption user is provided for calculating according to the agreement provided between user with consumption user and calculates according to the total mark of consumption information imported the credit score providing user to be associated;
Described record storage unit, provides user to import the remittance information of described consumption user total mark of consumption for recording to store;
The credit Unionpay points account of described payment unit and described integral and calculating unit, described consumption user, described in provide the credit Unionpay points account of user to communicate, for described total mark of consumption is imported the described consumption user be associated credit Unionpay points account in and described credit score imported be associated described in provide in the credit Unionpay points account of user;
Credit services management system data center comprises credit unit, described credit services management system data center and described bank transaction data center systems communicate, and improve corresponding described consumption user and the described accrediting amount providing user for the amount according to the total mark of consumption of described consumption user and the credit score of the described user of providing;
The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the described user of providing are all unified credit Unionpay accumulating cards issued after being docked by described bank transaction data center systems and described credit services management system data center complex.
2. the accumulative and credit method of consumer credit integration in transaction, is characterized in that, comprise the following steps:
After consumption user completes transaction, produce the trading card be associated;
Extract the information in described trading card, provide user to import the credit Unionpay points account of described consumption user in by bank transaction data center systems by the total mark of consumption of consumption gained according to the agreement between itself and consumption user;
Described bank transaction data center systems record also stores the remittance information that the above-mentioned user of providing imports described consumption user total mark of consumption;
The credit score that the described user of providing is associated according to above-mentioned remittance information acquisition also provides in the credit Unionpay points account of user described in this credit score imports by described bank transaction data center systems;
Described remittance information is sent to credit services management system data center by described bank transaction data center systems;
Described consumption user and the described accrediting amount providing user improve according to the amount of the credit score of the total mark of consumption of described consumption user and the described user of providing in described credit services management system data center;
The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the described user of providing are all unified after being docked by described bank transaction data center systems and described credit services management system data center complex distribution.
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| CN201510277012.3A CN104966207B (en) | 2015-05-27 | 2015-05-27 | Accumulative and credit platform and the method that consumer credit integrates in a kind of transaction |
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| CN201510277012.3A CN104966207B (en) | 2015-05-27 | 2015-05-27 | Accumulative and credit platform and the method that consumer credit integrates in a kind of transaction |
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| CN104966207A true CN104966207A (en) | 2015-10-07 |
| CN104966207B CN104966207B (en) | 2018-05-15 |
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| CN108764993A (en) * | 2018-05-23 | 2018-11-06 | 栾友祥 | A kind of store promotional system based on block chain |
| CN113592502A (en) * | 2021-07-23 | 2021-11-02 | 重庆世纪禾马科技有限公司 | Circular consumption method, system, computer equipment and storage medium |
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| CN101281672A (en) * | 2008-04-25 | 2008-10-08 | 中国工商银行股份有限公司 | System and method for implementing signed jointly commerce card |
| CN102044031A (en) * | 2009-10-23 | 2011-05-04 | 维鹏信息技术(上海)有限公司 | Control device and method for adding points to point accounts by point management system |
| CN204155305U (en) * | 2014-10-24 | 2015-02-11 | 李观升 | The two-way total mark of consumption smart card of collection consumption, credit and insurance |
| CN204731835U (en) * | 2015-05-27 | 2015-10-28 | 李观升 | Accumulative and the credit platform of consumer credit integration in a kind of transaction |
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| CN101281672A (en) * | 2008-04-25 | 2008-10-08 | 中国工商银行股份有限公司 | System and method for implementing signed jointly commerce card |
| CN102044031A (en) * | 2009-10-23 | 2011-05-04 | 维鹏信息技术(上海)有限公司 | Control device and method for adding points to point accounts by point management system |
| CN204155305U (en) * | 2014-10-24 | 2015-02-11 | 李观升 | The two-way total mark of consumption smart card of collection consumption, credit and insurance |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106097002A (en) * | 2016-06-07 | 2016-11-09 | 中国建设银行股份有限公司 | The tables of data update method adjusted for user integral and system |
| CN108764993A (en) * | 2018-05-23 | 2018-11-06 | 栾友祥 | A kind of store promotional system based on block chain |
| CN113592502A (en) * | 2021-07-23 | 2021-11-02 | 重庆世纪禾马科技有限公司 | Circular consumption method, system, computer equipment and storage medium |
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| CN104966207B (en) | 2018-05-15 |
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