CN104966207B - Accumulative and credit platform and the method that consumer credit integrates in a kind of transaction - Google Patents
Accumulative and credit platform and the method that consumer credit integrates in a kind of transaction Download PDFInfo
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- CN104966207B CN104966207B CN201510277012.3A CN201510277012A CN104966207B CN 104966207 B CN104966207 B CN 104966207B CN 201510277012 A CN201510277012 A CN 201510277012A CN 104966207 B CN104966207 B CN 104966207B
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Abstract
The present invention relates to accumulative and credit platform, including consumption user end, consumption user end that consumer credit in a kind of transaction integrates to include the credit Unionpay points account of consumption user；There is provided user terminal, there is provided user terminal includes the credit Unionpay points account for providing user；Transaction end, trading card produce end, data extracting unit, and bank transaction data center systems include integral and calculating unit, record storage unit, payment unit；Record storage unit, credit services management system data center includes credit unit, the credit Unionpay points account of above-mentioned consumption user and the credit Unionpay accumulating card that the credit Unionpay points account of the offer user is unified distribution after being docked by the bank transaction data center systems and the credit services management system data center complex.The present invention provides integration data record for consumer, and provides credit data record for businessman, and credit is obtained after total mark of consumption accumulation by each citizen, makes businessman's increase by the accrediting amount.
Description
Technical field
The invention belongs to business, the data handling system of finance or method field, more particularly, to a kind of transaction
Accumulative and credit platform and the method for middle consumer credit integration.
Background technology
It is bright on the notice and party eighteen major report for printing and distributing establishment of social credit system planning outline according to State Council
Really propose " strengthening government affairs sincerity, commercial affairs are sincere, society is sincere and the public letter of the administration of justice is built ", therefore domestic credit System Construction is at full speed
Development, is gradually improved, but in many aspects, existing credit system still has several drawbacks, such as：Citizen's credit system is covered
Lid rate is low, rural area citizen, and no fixed staff, cannot get credit power, the universal accrediting amount of businessman is relatively low, seriously constrains public affairs
The people in daily life, the developing normal economic activity of national economic development；Citizen receives businessman in consumption, enterprise gives
When rebating integrates, most of is all that a company or a businessman one block, and in numerous businessmans give the activity of accumulating card, consumer disappears
It is time-consuming to carry various accumulating cards, bring great inconvenience to client.
The content of the invention
It is an object of the present invention in view of the foregoing drawbacks, there is provided in a kind of transaction consumer credit integrate it is accumulative with
Credit platform, can provide credit score data for credit services system, be that consumer provides integration data record, and be
Businessman has done credit data record, it can obtain credit by each citizen after total mark of consumption accumulation, increase businessman
Add by the accrediting amount.
It is a further object of the present invention to provide the accumulative and credit method that consumer credit in a kind of transaction integrates, it
It is a kind of to apply under credit building platform link citizen, bank, insurance, enterprise, the accumulative and credit side of businessman's consumption activity
Method, can link with financial institution, to market rapid abutting joint and excessively.
Technical scheme is as follows：
The accumulative and credit platform that consumer credit integrates in a kind of transaction, including：
At least one consumption user end, the credit Unionpay that each consumption user end includes at least one consumption user accumulates
Divide account；
At least one offer user terminal, each user terminal that provides include the credit Unionpay product of at least one offer user
Divide account；
At least one transaction end, each transaction end include settlement of transactions interface, identity validation unit；
Wherein：The settlement of transactions interface is used for user and completes settlement of transactions；The identity validation unit leads to user terminal
News, for confirming user identity and extracting the account information of user；
At least one trading card produces end, and each trading card, which produces end, includes trading card generation unit；
Wherein：The trading card generation unit and the clearing interface and identity validation unit communications, for producing and really
Recognize the user of identity and trading card that settlement of transactions interface is associated；
Data extracting unit, communicates with trading card generation unit, for extracting the information in the trading card；
Bank transaction data center systems include integral and calculating unit, record storage unit, payment unit；
Wherein：The integral and calculating unit, use is provided for being calculated according to the agreement provided between user and consumption user
Between family and consumption user specific total mark of consumption and according to the total mark of consumption information of remittance calculate provide user it is associated
Credit score；
The record storage unit, user's remittance letter for importing the consumption user total mark of consumption is provided for record storage
Breath；
The payment unit and the integral and calculating unit, the consumption user credit Unionpay points account, described carry
Communicated for the credit Unionpay points account of user, for the total mark of consumption to be imported to the letter of the associated consumption user
Imported with Unionpay's points account and by the credit score in the associated credit Unionpay points account that user is provided；
Credit services management system data center includes credit unit, the credit services management system data center and institute
State bank transaction data center systems to communicate, for the total mark of consumption according to the consumption user and the letter for providing user
The corresponding consumption user and the accrediting amount of the offer user are improved with the amount of integration；
The credit Unionpay points account of above-mentioned consumption user with it is described offer user credit Unionpay points account be by
The letter of unified distribution after the bank transaction data center systems and credit services management system data center complex docking
With Unionpay's accumulating card.
A kind of accumulative and credit method that consumer credit integrates in transaction, comprises the following steps：
After consumption user completes transaction, associated trading card is produced；
Extract the information in the trading card, there is provided user passes through bank transaction according to its agreement between consumption user
Data center systems import the total mark of consumption for consuming gained in the credit Unionpay points account of the consumption user；
The bank transaction data center systems, which record and store above-mentioned offer user, imports the consumption user consumption product
The remittance information divided；
It is described to provide the credit score that is associated according to above-mentioned remittance information acquisition of user and by the bank transaction data
Centring system imports this credit score in the credit Unionpay points account for providing user；
The bank transaction data center systems send the remittance information to credit services management system data center；
Total mark of consumption and the offer user of the credit services management system data center according to the consumption user
The amount of credit score the consumption user and the accrediting amount of the offer user are provided；
The credit Unionpay points account of above-mentioned consumption user with it is described offer user credit Unionpay points account be by
Unified distribution after the bank transaction data center systems and credit services management system data center complex docking.
Beneficial effects of the present invention：The present invention can improve credit coverage rate, it passes through the letter of hold enterprise businessman, citizen
Recorded with score accumulation, each citizen can be made to have by the qualification of credit, credit covering surface is reached 100%, pass through
The savings accumulation of credit score, and credit is obtained, Chinese citizen is naturally just obtained credit among current consumption
Qualification, can also make each citizen that holds to possess credit card by the accumulative growth that total mark of consumption is saved, make to own
Civic participation wherein, and in the case where credit system safeguards help, obtains self-confident and growth living guarantee.
The raising of credit coverage rate, makes to disobey letter personnel without living space, promotes the normal fast development of stake holder economy environment,
At the same time consumer's interests are also protected, and facilitate consumer, further promote the sale of businessman, integration is given in this consumption
The credit system uniformly joined of amount input, the integration then given using consumption carries out bank, insurance is managed money matters, and is passed through to promote
Ji body industrial chain is steady, fast development plays the role of greatly facilitating.
Brief description of the drawings
Fig. 1 is accumulative and credit platform and the method for realizing consumer credit integration in a kind of transaction of the present invention
Structure distribution instruction figure；
Fig. 2 is the structure diagram of credit Unionpay accumulating card positive and negative of the present invention.
Embodiment
Embodiments of the present invention are described in further detail with reference to embodiment and attached drawing：
As shown in Figure 1, the accumulative and credit platform that consumer credit integrates in a kind of transaction, including：It is at least one to disappear
Take user terminal 1, each consumption user end 1 includes the credit Unionpay points account of at least one consumption user；At least one offer
User terminal 2, each user terminal 2 that provides include the credit Unionpay points account of at least one offer user；At least one transaction end
3, each end of merchandising includes settlement of transactions interface 4, identity validation unit 5；Wherein：Settlement of transactions interface 4 is used for user and completes to hand over
Easily clearing；Identity validation unit 5 and user's end communication, for confirming user identity and extracting the account information of user；At least one
A trading card produces end 6, and each trading card, which produces end, includes trading card generation unit 7；Wherein：Trading card generation unit 7 and knot
Calculate interface 4 and identity validation unit 5 communicates, for producing the transaction associated with the user for confirming identity and settlement of transactions interface
It is single；Data extracting unit 8, communicates with trading card generation unit 7, for extracting the information in trading card；Bank transaction data
Centring system 9 includes integral and calculating unit 10, record storage unit 11, payment unit 12；Wherein：Integral and calculating unit 9, is used for
Calculated according to the agreement provided between user and consumption user provide between user and consumption user specific total mark of consumption and
Calculated according to the total mark of consumption information of remittance and user's credit score being associated is provided；Record storage unit 10, is deposited for recording
Storage provides the remittance information that user imports the consumption user total mark of consumption；Payment unit 12 and integral and calculating unit 10, consumption
Credit Unionpay points account, the credit Unionpay points account of offer user of user communicates, for total mark of consumption to be imported phase
The associated credit Unionpay that user is provided is imported in the credit Unionpay points account of associated consumption user and by credit score
In points account；Credit services management system data center 13 includes credit unit 14, credit services management system data center
13 communicate with bank transaction data center systems 9, are accumulated for the total mark of consumption according to consumption user and the credit for providing user
The amount divided improves corresponding consumption user with providing the accrediting amount of user.
The credit Unionpay points account of above-mentioned consumption user with it is described offer user credit Unionpay points account be by
The credit Unionpay of unified distribution after bank transaction data center systems 9 and the joint docking of credit services management system data center 13
Accumulating card, as shown in a, b of Fig. 2.
The front of the card is printed on issued by banks unit and bank's card number and integration card number, and reverse side includes name and identity card
Number, and identity card picture, while be printed with service unit in card bottom and supervise unit.
Consumption user can be logged in internet credit services management system platform, into credit services management system data
Centring system, integration information can be inquired about by inputting oneself account and password.
There is provided user can log in internet credit services management system platform, into credit services management system data
Centring system, integration information can be inquired about by inputting oneself account and password.
A kind of accumulative and credit method for realizing that consumer credit integrates in transaction, comprises the following steps：Consumption user
After completing transaction, associated trading card is produced；Extract the information in the trading card, there is provided user is according to itself and consumption user
Between the total mark of consumption remittance consumption user of the agreement obtained by bank transaction data center systems will consume credit
In Unionpay's points account；The bank transaction data center systems, which record and store above-mentioned offer user, imports the consumption user
The remittance information of total mark of consumption；It is described to provide the credit score that is associated according to above-mentioned remittance information acquisition of user and by the silver
Row trade data mart system imports this credit score in the credit Unionpay points account for providing user；The bank hands over
Easy data center systems send the remittance information to credit services management system data center；The credit services manage body
Coefficient disappears according to center according to improving the total mark of consumption of the consumption user and the amount of the credit score for providing user
Expense family and the accrediting amount of the offer user；
The credit Unionpay points account of above-mentioned consumption user with it is described offer user credit Unionpay points account be by
Unified distribution after the bank transaction data center systems and credit services management system data center complex docking.
The present invention improves credit coverage rate, makes to disobey letter personnel without living space, promotes the normal fast of stake holder economy environment
Speed development, at the same time also protects consumer's interests, and facilitates consumer, further promotes the sale of businessman, this consumption
The credit system that the amount input of integration is uniformly joined is given, the integration then given using consumption carries out bank, insurance is managed money matters,
To promote, economy industrial chain is steady, fast development plays the role of greatly facilitating.
Claims (2)
- A kind of 1. accumulative and credit platform that consumer credit integrates in transaction, it is characterised in that including：At least one consumption user end, each consumption user end include the credit Unionpay integration account of at least one consumption user Family；At least one offer user terminal, each credit Unionpay integration account for user terminal being provided at least one offer user being provided Family；At least one transaction end, each transaction end include settlement of transactions interface, identity validation unit；Wherein：The settlement of transactions interface is used for user and completes settlement of transactions；The identity validation unit and user's end communication, are used In the account information for confirming user identity and extraction user；At least one trading card produces end, and each trading card, which produces end, includes trading card generation unit；Wherein：The trading card generation unit and the clearing interface and identity validation unit communications, for producing and confirming body The trading card that the user and settlement of transactions interface of part are associated；Data extracting unit, communicates with trading card generation unit, for extracting the information in the trading card；Bank transaction data center systems include integral and calculating unit, record storage unit, payment unit；Wherein：The integral and calculating unit, for calculated according to the agreement provided between user and consumption user provide user with Specific total mark of consumption and the credit being associated according to the total mark of consumption information of remittance calculating offer user between consumption user Integration；The record storage unit, user's remittance information for importing the consumption user total mark of consumption is provided for record storage；The payment unit and the integral and calculating unit, the credit Unionpay points account of the consumption user, the offer use The credit Unionpay points account at family communicates, for the total mark of consumption to be imported to the credit silver of the associated consumption user Join in points account and import the credit score in the associated credit Unionpay points account that user is provided；Credit services management system data center includes credit unit, the credit services management system data center and the silver Row trade data mart system communicates, for the total mark of consumption according to the consumption user and the credit product for providing user The amount divided improves the corresponding consumption user and the accrediting amount of the offer user；The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the offer user are by described The credit silver of unified distribution after bank transaction data center systems and credit services management system data center complex docking Join accumulating card.
- 2. a kind of accumulative and credit method that consumer credit integrates in transaction, it is characterised in that comprise the following steps：After consumption user completes transaction, associated trading card is produced；Extract the information in the trading card, there is provided user passes through bank transaction data according to its agreement between consumption user Centring system imports the total mark of consumption for consuming gained in the credit Unionpay points account of the consumption user；The bank transaction data center systems, which record and store above-mentioned offer user, imports the consumption user total mark of consumption Import information；It is described to provide the credit score that is associated according to above-mentioned remittance information acquisition of user and by the bank transaction data center System imports this credit score in the credit Unionpay points account for providing user；The bank transaction data center systems send the remittance information to credit services management system data center；Total mark of consumption and the letter that user be provided of the credit services management system data center according to the consumption user The consumption user and the accrediting amount of the offer user are improved with the amount of integration；The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the offer user are by described Unified distribution after bank transaction data center systems and credit services management system data center complex docking.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| 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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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| 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 CN104966207A (en) | 2015-10-07 |
| CN104966207B true CN104966207B (en) | 2018-05-15 |
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| CN201510277012.3A Active 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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Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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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| 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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2015
- 2015-05-27 CN CN201510277012.3A patent/CN104966207B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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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