CN107292734A - Distribute the service system and its method of credit volume - Google Patents
Distribute the service system and its method of credit volume Download PDFInfo
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- CN107292734A CN107292734A CN201710385627.7A CN201710385627A CN107292734A CN 107292734 A CN107292734 A CN 107292734A CN 201710385627 A CN201710385627 A CN 201710385627A CN 107292734 A CN107292734 A CN 107292734A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
It is a kind of to distribute the service system and its method of credit volume, including the preceding station terminal of group company in itself is allocated to, in addition to the background terminal for being allocated to intermediate facilitator being connected is communicated with preceding station terminal；The preceding station terminal includes enquiry module and confirms module；The background terminal includes typing module and delivery module.The preceding station terminal is the first mobile intelligent terminal, the first PC or the first notebook computer；The background terminal is background server, the second mobile intelligent terminal, the second PC or the second notebook computer.The financial institution with reference to as its method effectively prevent bank in the prior art carries out the defect that analysis and evaluation result in the big inefficiency of workload, cause more inefficiency come the accrediting amount of live confirmation subsidiary by paper document in financial institution directly facing the subsidiary of all credit requirements.
Description
Technical field
The present invention relates to financial technology field, and in particular to a kind of service system and its method of distribution credit volume.
Background technology
Business loan, as the major source of revenues of financial institution, is the core business of financial institution, excavation top-tier customer,
Satisfactory service is provided for client, is the important operations objective of financial institution.
And the loan auditing system of bank is analyzed by the financial statement to enterprise, or by visiting enterprise and
Decide whether to offer loans to the enterprise after communication and enterprise the accrediting amount (i.e. financial institution annotation can be to visitor
Borrow or lend money or the highest loan principal limit that has lent at family), so determine enterprise the accrediting amount mode not only cost height, when
Between it is long, and be unfavorable for large area, quick, low cost development payment for goods business.Especially in the subsidiary to group company
Assess with risk management, financial institution as bank is commented directly facing the subsidiary of all credit requirements to carry out analysis
Estimate, the problem of result in workload big inefficiency.On the other hand need to confirm the accrediting amount in group company, often also can only
In financial institution by paper document come the live confirmation accrediting amount so that more inefficiency.
The content of the invention
To solve the above problems, the invention provides a kind of service system and its method for distributing credit volume, being prevented effectively from
Financial institution as bank causes directly facing the subsidiary of all credit requirements to carry out analysis and evaluation in the prior art
Workload big inefficiency, in financial institution more inefficiency caused come the live confirmation accrediting amount by paper document
Defect.
In order to overcome deficiency of the prior art, the invention provides a kind of service system and its method for distributing credit volume
Solution, it is specific as follows：
It is a kind of to distribute the service system of credit volume, including be allocated to the preceding station terminal of group company in itself, in addition to it is preceding
Station terminal communicates the background terminal for being allocated to intermediate facilitator of connection；
The preceding station terminal includes enquiry module and confirms module；
The background terminal includes typing module and delivery module.
Further, the preceding station terminal is the first mobile intelligent terminal, the first PC or the first notebook computer；
The background terminal is background server, the second mobile intelligent terminal, the second PC or the second notebook computer.
Further, the background terminal for being allocated to the preceding station terminal of group company in itself and being allocated to intermediate facilitator
Constitute the internet based on cloud platform.
Further, the typing module is used for the subsidiary of the group company the mandate amount for being assigned with group company
Title and group company subsidiary available accrediting amount typing and be saved in the background terminal；
The enquiry module is used for sending the background terminal for being allocated to intermediate facilitator the available credit volume for inquiring about distribution
The solicited message of degree；
The delivery module be used for the title of the subsidiary of the group company of the mandates amount for being assigned with group company with
The available accrediting amount of the subsidiary of group company returns to the preceding station terminal；
The confirmation module is used for sending confirmation to the background terminal.
Further, the method for the service system of described distribution credit volume, step is as follows：
Step 1：Recommend business with guarantee and recommend the credit application material of business in itself with guarantee to financial institution's submission, financial institution utilizes and recommends business with guarantee
The credit application material of itself draws the accrediting amount for recommending business with guarantee, or recommends this with guarantee business existing accrediting amount progress cutting with true
Accreditation distribution amount, the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；
Step 2：Then the business that recommends with guarantee that the financial institution, intermediate facilitator and group company specify signs tripartite jointly
Cloud letter is arranged in agreement, the tripartite agreement to be opened by the subsidiary for recommending business's confirmation with guarantee, has recommended business with guarantee and group company is specified
Subsidiary undertake obligation under bond；
Step 3：Group company confirms or arranged by credit subsidiary in the protocol with financial institution in itself, in the agreement
Including including allowing group company in itself the credit of group company by the content of the inventory of credit subsidiary title, the agreement
Amount freely distributes to the subsidiary of group company, and the group company both can separately subscribe to the agreement confirmation quilt with financial institution
Credit subsidiary, can also directly be arranged by credit subsidiary by the tripartite agreement；
Step 4：Recommend business with guarantee and the accrediting amount of group company is distributed to the subsidiary of group company and be used as group company
The available accrediting amount of subsidiary, then provides financial institution written inventory, the content of the written inventory is distribution
The title of the subsidiary of the group company of the accrediting amount of group company；Here the subsidiary of group company confirms to be described
Or agreement by credit subsidiary；
Step 5：By be allocated to intermediate facilitator background terminal typing module the mandate for being assigned with group company
The available accrediting amount typing of the title of the subsidiary of the group company of amount and the subsidiary of group company is simultaneously saved in described
In background terminal；
Step 6：Then by being allocated to the enquiry module of the preceding station terminal of group company in itself to being allocated to intermediary service
The background terminal of business sends the solicited message of the available accrediting amount of inquiry distribution, and station terminal receives request letter in the rear
After breath, just start title and collection of the delivery module the subsidiary of the group company for the mandate amount for being assigned with group company
The available accrediting amount of the subsidiary of company of group returns to the preceding station terminal, by confirming module to the backstage after confirmation is errorless
Terminal sends confirmation.
Further, available credit have adjusted by the typing module handle of the background terminal for being allocated to intermediate facilitator
Title, adjustment type and the adjustment amount typing of the subsidiary of the group company of volume are simultaneously saved in the background terminal.
Further, what the group company specified recommend with guarantee business for group company in itself or the group that specifies other are public
Department.
Further, the service system of the distribution credit volume, which also has, issues electronics acceptance and guarantee voucher, circulation, factoring
Or the assignment of credit, the function of factoring, double factorings and the statistics that expires again.
Beneficial effects of the present invention are：
, just can be in financial institution's credit by introducing intermediate facilitator and its being allocated to the background terminal of intermediate facilitator
When only need to audit group company in itself, and group company only needs to provide financial institution in written inventory, described
The content of written inventory is the title of the subsidiary of the group company for the accrediting amount for being assigned with group company, be can be achieved with
The subsidiary that group company in itself distributes to the accrediting amount of group company group company is used as the subsidiary of group company
The accrediting amount can be used, has arranged the subsidiary that cloud letter confirms by group company in tripartite agreement and has been opened, recommended business with guarantee to group
The subsidiary that company specifies undertakes obligation under bond, it is ensured that the security of financial institution's credit, thus carries out credit so that gold
Melt mechanism without carrying out analysis and evaluation directly facing the subsidiary of all credit requirements, workload is reduced and credit efficiency is carried
Height, realizes quick, inexpensive development giving credit, by the enquiry module pair for being allocated to the preceding station terminal of group company in itself
The background terminal for being allocated to intermediate facilitator sends the solicited message for the available accrediting amount that inquiry is distributed, in the rear station terminal
Receive after the solicited message, just start son of the delivery module the group company for the mandate amount for being assigned with group company
The title of company and the available accrediting amount of the subsidiary of group company return to the preceding station terminal, by confirming after confirmation is errorless
Module sends confirmation to the background terminal, is achieved that data communication mode to confirm the accrediting amount, without in finance
Mechanism causes inefficiency by paper document come the live confirmation accrediting amount.
Brief description of the drawings
Fig. 1 is the structural representation of the service system of the distribution credit volume of the present invention.
Embodiment
The present invention is described further below in conjunction with drawings and examples.
Embodiment 1
1 understand with reference to the accompanying drawings, the service system of the distribution credit volume of the present embodiment, including be allocated to group company in itself
Preceding station terminal, in addition to the background terminal for being allocated to intermediate facilitator being connected is communicated with preceding station terminal；
The preceding station terminal includes enquiry module and confirms module；
The background terminal includes typing module and delivery module.
The method of the service system of described distribution credit volume, step is as follows：
Step 1：Recommend business with guarantee and recommend the credit application material of business in itself with guarantee to financial institution's submission, financial institution utilizes and recommends business with guarantee
The credit application material of itself draws the accrediting amount for recommending business with guarantee, or recommends this with guarantee business existing accrediting amount progress cutting with true
Accreditation distribution amount, the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；
The group company itself does not include the subsidiary of group company and the simply parent company of group company, the accrediting amount
Calculating bank usually by the way of manual examination and verification, using including group company's financial statement in itself, company information so
Credit application material, calculate business standing rank and the accrediting amount by formula.
Step 2：Then the business that recommends with guarantee that the financial institution, intermediate facilitator and group company specify signs tripartite jointly
Cloud letter is arranged in agreement, the tripartite agreement to be opened by the subsidiary for recommending business's confirmation with guarantee, has recommended business with guarantee and group company is specified
Subsidiary undertake obligation under bond；Step 3：Group company confirms or arranges public by credit in the protocol with financial institution in itself
Department, the agreement is included by the inventory of credit subsidiary title, the content of the agreement include permission group company in itself
The accrediting amount of group company freely distributes to the subsidiary of group company, and the group company both can be with financial institution separately
Confirmation subscribe to the agreement by credit subsidiary, can also directly be arranged by credit subsidiary by the tripartite agreement；
Step 4：Recommend business with guarantee and the accrediting amount of group company is distributed to the subsidiary of group company and be used as group company
The available accrediting amount of subsidiary, then provides financial institution written inventory, the content of the written inventory is distribution
The title of the subsidiary of the group company of the accrediting amount of group company；Here the subsidiary of group company confirms to be described
Or agreement by credit subsidiary；Step 5：Collection is assigned with by the typing module handle for the background terminal for being allocated to intermediate facilitator
The title of the subsidiary of the group company of the mandate amount of company of group and the available accrediting amount typing of the subsidiary of group company
And be saved in the background terminal；
Step 6：Then by being allocated to the enquiry module of the preceding station terminal of group company in itself to being allocated to intermediary service
The background terminal of business sends the solicited message of the available accrediting amount of inquiry distribution, and station terminal receives request letter in the rear
After breath, just start title and collection of the delivery module the subsidiary of the group company for the mandate amount for being assigned with group company
The available accrediting amount of the subsidiary of company of group returns to the preceding station terminal, by confirming module to the backstage after confirmation is errorless
Terminal sends confirmation.
The present embodiment has the beneficial effect that：
, just can be in financial institution's credit by introducing intermediate facilitator and its being allocated to the background terminal of intermediate facilitator
When only need to audit group company in itself, and group company only needs to provide financial institution in written inventory, described
The content of written inventory is the title of the subsidiary of the group company for the accrediting amount for being assigned with group company, be can be achieved with
The subsidiary that group company in itself distributes to the accrediting amount of group company group company is used as the subsidiary of group company
The accrediting amount can be used, has arranged the subsidiary that cloud letter confirms by group company in tripartite agreement and has been opened, recommended business with guarantee to group
The subsidiary that company specifies undertakes obligation under bond, it is ensured that the security of financial institution's credit, thus carries out credit so that gold
Melt mechanism without carrying out analysis and evaluation directly facing the subsidiary of all credit requirements, workload is reduced and credit efficiency is carried
Height, realizes quick, inexpensive development giving credit, by the enquiry module pair for being allocated to the preceding station terminal of group company in itself
The background terminal for being allocated to intermediate facilitator sends the solicited message for the available accrediting amount that inquiry is distributed, in the rear station terminal
Receive after the solicited message, just start son of the delivery module the group company for the mandate amount for being assigned with group company
The title of company and the available accrediting amount of the subsidiary of group company return to the preceding station terminal, by confirming after confirmation is errorless
Module sends confirmation to the background terminal, is achieved that data communication mode to confirm the accrediting amount, without in finance
Mechanism causes inefficiency by paper document come the live confirmation accrediting amount.
Embodiment 2
1 understand with reference to the accompanying drawings, the service system of the distribution credit volume of the present embodiment, including be allocated to group company in itself
Preceding station terminal, in addition to the background terminal for being allocated to intermediate facilitator being connected is communicated with preceding station terminal；
The preceding station terminal includes enquiry module and confirms module；
The background terminal includes typing module and delivery module.
The preceding station terminal is the first mobile intelligent terminal, the first PC or the first notebook computer；
The background terminal is background server, the second mobile intelligent terminal, the second PC or the second notebook computer.
First mobile intelligent terminal is the first smart mobile phone, the first PDA or the first tablet personal computer；Second intelligent movable is whole
End includes the second smart mobile phone, the 2nd PDA or the second tablet personal computer.
It is described be allocated to group company's preceding station terminal in itself and be allocated to the background terminal of intermediate facilitator constitute
Internet based on cloud platform.
The typing module be used for the title of the subsidiary of the group company of the mandates amount for being assigned with group company with
The available accrediting amount typing of the subsidiary of group company is simultaneously saved in the background terminal；
The enquiry module is used for sending the background terminal for being allocated to intermediate facilitator the available credit volume for inquiring about distribution
The solicited message of degree；
The delivery module be used for the title of the subsidiary of the group company of the mandates amount for being assigned with group company with
The available accrediting amount of the subsidiary of group company returns to the preceding station terminal；
The confirmation module is used for sending confirmation to the background terminal.
The method of the service system of described distribution credit volume, step is as follows：
Step 1：Recommend business with guarantee and recommend the credit application material of business in itself with guarantee to financial institution's submission, financial institution utilizes and recommends business with guarantee
The credit application material of itself draws the accrediting amount for recommending business with guarantee, or recommends this with guarantee business existing accrediting amount progress cutting with true
Accreditation distribution amount, the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；
The group company itself does not include the subsidiary of group company and the simply parent company of group company, the accrediting amount
Calculating bank usually by the way of manual examination and verification, using including group company's financial statement in itself, company information so
Credit application material, calculate business standing rank and the accrediting amount by formula.
Step 2：Then the business that recommends with guarantee that the financial institution, intermediate facilitator and group company specify signs tripartite jointly
Cloud letter is arranged in agreement, the tripartite agreement to be opened by the subsidiary for recommending business's confirmation with guarantee, has recommended business with guarantee and group company is specified
Subsidiary undertake obligation under bond；So ensure that the security of the accrediting amount of financial institution.The cloud letter is a kind of electricity
Sub- acceptance and guarantee voucher.
Step 3：Group company confirms or arranged by credit subsidiary in the protocol with financial institution in itself, in the agreement
Including including allowing group company in itself the credit of group company by the content of the inventory of credit subsidiary title, the agreement
Amount freely distributes to the subsidiary of group company, and the group company both can separately subscribe to the agreement confirmation quilt with financial institution
Credit subsidiary, can also directly be arranged by credit subsidiary by the tripartite agreement；
Step 4：Recommend business with guarantee and the accrediting amount of group company is distributed to the subsidiary of group company and be used as group company
The available accrediting amount of subsidiary, then provides financial institution written inventory, the content of the written inventory is distribution
The title of the subsidiary of the group company of the accrediting amount of group company；Here the subsidiary of group company confirms to be described
Or agreement by credit subsidiary；Step 5：Collection is assigned with by the typing module handle for the background terminal for being allocated to intermediate facilitator
The title of the subsidiary of the group company of the mandate amount of company of group and the available accrediting amount typing of the subsidiary of group company
And be saved in the background terminal；
Step 6：Then by being allocated to the enquiry module of the preceding station terminal of group company in itself to being allocated to intermediary service
The background terminal of business sends the solicited message of the available accrediting amount of inquiry distribution, and station terminal receives request letter in the rear
After breath, just start title and collection of the delivery module the subsidiary of the group company for the mandate amount for being assigned with group company
The available accrediting amount of the subsidiary of company of group returns to the preceding station terminal, by confirming module to the backstage after confirmation is errorless
Terminal sends confirmation.
Group company in itself can also be adjusted the available accrediting amount for the subsidiary for having distributed to group company, i.e.,
The available accrediting amount of the group company is increased or decreased, this is by the background terminal for being allocated to intermediate facilitator
Typing module is the title of the subsidiary for the group company that have adjusted available credit volume, adjustment type and adjustment amount typing and protects
It is stored in the background terminal.The adjustment type includes increase and reduces both adjustment types.
What the group company specified recommend with guarantee business for group company in itself or other companies of group for specifying.
It is described distribution credit volume service system also have issue electronics acceptance and guarantee voucher, payment, financing, again factoring,
The function of double factorings and the statistics that expires.
The present embodiment has the beneficial effect that：
, just can be in financial institution's credit by introducing intermediate facilitator and its being allocated to the background terminal of intermediate facilitator
When only need to audit group company in itself, and group company only needs to provide financial institution in written inventory, described
The content of written inventory is the title of the subsidiary of the group company for the accrediting amount for being assigned with group company, be can be achieved with
The subsidiary that group company in itself distributes to the accrediting amount of group company group company is used as the subsidiary of group company
The accrediting amount can be used, has arranged the subsidiary that cloud letter confirms by group company in tripartite agreement and has been opened, recommended business with guarantee to group
The subsidiary that company specifies undertakes obligation under bond, it is ensured that the security of financial institution's credit, thus carries out credit so that gold
Melt mechanism without carrying out analysis and evaluation directly facing the subsidiary of all credit requirements, workload is reduced and credit efficiency is carried
Height, realizes quick, inexpensive development giving credit, by the enquiry module pair for being allocated to the preceding station terminal of group company in itself
The background terminal for being allocated to intermediate facilitator sends the solicited message for the available accrediting amount that inquiry is distributed, in the rear station terminal
Receive after the solicited message, just start son of the delivery module the group company for the mandate amount for being assigned with group company
The title of company and the available accrediting amount of the subsidiary of group company return to the preceding station terminal, by confirming after confirmation is errorless
Module sends confirmation to the background terminal, is achieved that data communication mode to confirm the accrediting amount, without in finance
Mechanism causes inefficiency by paper document come the live confirmation accrediting amount.
Embodiment 3
1 understand with reference to the accompanying drawings, the service system of the distribution credit volume of the present embodiment, including be allocated to group company in itself
Preceding station terminal, in addition to the background terminal for being allocated to intermediate facilitator being connected is communicated with preceding station terminal；
The preceding station terminal includes enquiry module and confirms module；
The background terminal includes typing module and delivery module.
The preceding station terminal is the first mobile intelligent terminal, the first PC or the first notebook computer；
The background terminal is background server, the second mobile intelligent terminal, the second PC or the second notebook computer.
First mobile intelligent terminal is the first smart mobile phone, the first PDA or the first tablet personal computer；Second intelligent movable is whole
End includes the second smart mobile phone, the 2nd PDA or the second tablet personal computer.
It is described be allocated to group company's preceding station terminal in itself and be allocated to the background terminal of intermediate facilitator constitute
Internet based on cloud platform.
The typing module be used for the title of the subsidiary of the group company of the mandates amount for being assigned with group company with
The available accrediting amount typing of the subsidiary of group company is simultaneously saved in the background terminal；
The enquiry module is used for sending the background terminal for being allocated to intermediate facilitator the available credit volume for inquiring about distribution
The solicited message of degree；
The delivery module be used for the title of the subsidiary of the group company of the mandates amount for being assigned with group company with
The available accrediting amount of the subsidiary of group company returns to the preceding station terminal；
The confirmation module is used for sending confirmation to the background terminal.
The method of the service system of described distribution credit volume, step is as follows：
Step 1：Recommend business with guarantee and recommend the credit application material of business in itself with guarantee to financial institution's submission, financial institution utilizes and recommends business with guarantee
The credit application material of itself draws the accrediting amount for recommending business with guarantee, or recommends this with guarantee business existing accrediting amount progress cutting with true
Accreditation distribution amount, the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；
The group company itself does not include the subsidiary of group company and the simply parent company of group company, the accrediting amount
Calculating bank usually by the way of manual examination and verification, using including group company's financial statement in itself, company information so
Credit application material, calculate business standing rank and the accrediting amount by formula.
Step 2：Then the business that recommends with guarantee that the financial institution, intermediate facilitator and group company specify signs tripartite jointly
Cloud letter is arranged in agreement, the tripartite agreement to be opened by the subsidiary for recommending business's confirmation with guarantee, has recommended business with guarantee and group company is specified
Subsidiary undertake obligation under bond；So ensure that the security of the accrediting amount of financial institution.The cloud letter is a kind of electricity
Sub- acceptance and guarantee voucher.
Step 3：Group company confirms or arranged by credit subsidiary in the protocol with financial institution in itself, in the agreement
Including including allowing group company in itself the credit of group company by the content of the inventory of credit subsidiary title, the agreement
Amount freely distributes to the subsidiary of group company, and the group company both can separately subscribe to the agreement confirmation quilt with financial institution
Credit subsidiary, can also directly be arranged by credit subsidiary by the tripartite agreement；
Step 4：Recommend business with guarantee and the accrediting amount of group company is distributed to the subsidiary of group company and be used as group company
The available accrediting amount of subsidiary, then provides financial institution written inventory, the content of the written inventory is distribution
The title of the subsidiary of the group company of the accrediting amount of group company；Here the subsidiary of group company confirms to be described
Or agreement by credit subsidiary；；The available accrediting amount sum of all subsidiaries of group company can not be more than group company
The accrediting amount；
Step 5：By be allocated to intermediate facilitator background terminal typing module the mandate for being assigned with group company
The available accrediting amount typing of the title of the subsidiary of the group company of amount and the subsidiary of group company is simultaneously saved in described
In background terminal；
Step 6：Then by being allocated to the enquiry module of the preceding station terminal of group company in itself to being allocated to intermediary service
The background terminal of business sends the solicited message of the available accrediting amount of inquiry distribution, and station terminal receives request letter in the rear
After breath, just start title and collection of the delivery module the subsidiary of the group company for the mandate amount for being assigned with group company
The available accrediting amount of the subsidiary of company of group returns to the preceding station terminal, by confirming module to the backstage after confirmation is errorless
Terminal sends confirmation.
Group company in itself can also be adjusted the available accrediting amount for the subsidiary for having distributed to group company, i.e.,
The available accrediting amount of the group company is increased or decreased, this is by the background terminal for being allocated to intermediate facilitator
Typing module is the title of the subsidiary for the group company that have adjusted available credit volume, adjustment type and adjustment amount typing and protects
It is stored in the background terminal.The adjustment type includes increase and reduces both adjustment types.
What the group company specified recommend with guarantee business for group company in itself or other companies of group for specifying.
The service system of the distribution credit volume, which also has, issues the circulation of electronics acceptance and guarantee voucher, factoring or credits turn
Allow, the function of factoring, double factorings and the statistics that expires again.
The present embodiment has the beneficial effect that：
, just can be in financial institution's credit by introducing intermediate facilitator and its being allocated to the background terminal of intermediate facilitator
When only need to audit group company in itself, and group company only needs to provide financial institution in written inventory, described
The content of written inventory is the title of the subsidiary of the group company for the accrediting amount for being assigned with group company, be can be achieved with
The subsidiary that group company in itself distributes to the accrediting amount of group company group company is used as the subsidiary of group company
The accrediting amount can be used, has arranged the subsidiary that cloud letter confirms by group company in tripartite agreement and has been opened, recommended business with guarantee to group
The subsidiary that company specifies undertakes obligation under bond, it is ensured that the security of financial institution's credit, thus carries out credit so that gold
Melt mechanism without carrying out analysis and evaluation directly facing the subsidiary of all credit requirements, workload is reduced and credit efficiency is carried
Height, realizes quick, inexpensive development giving credit, by the enquiry module pair for being allocated to the preceding station terminal of group company in itself
The background terminal for being allocated to intermediate facilitator sends the solicited message for the available accrediting amount that inquiry is distributed, in the rear station terminal
Receive after the solicited message, just start son of the delivery module the group company for the mandate amount for being assigned with group company
The title of company and the available accrediting amount of the subsidiary of group company return to the preceding station terminal, by confirming after confirmation is errorless
Module sends confirmation to the background terminal, is achieved that data communication mode to confirm the accrediting amount, without in finance
Mechanism causes inefficiency by paper document come the live confirmation accrediting amount.
Confirmation is transferred to background terminal by the service system for distributing credit volume via confirmation module, and background terminal is obtained
Get after confirmation, the keeper for being responsible for background terminal will be via background terminal via confirming module to distribution credit volume
Service system transmission response data.
But keeper is unable to real-time Transmission response data when handling other affairs so that transmission response real-time property
It is not enough.
The method of the transmission response data includes：
Smart mobile phone is configured with oneself to the keeper for being responsible for background terminal in advance, and the smart mobile phone is via in network
PC is connected with background terminal；
Then smart mobile phone obtains the confirmation of PC transmission, and the confirmation is that background terminal is transferred to the PC
The machine and PC is transmitted to the smart mobile phone when meeting sets requirement；
The smart mobile phone obtains the response data of the typing for the confirmation；
The response data is transferred to the PC by the smart mobile phone, and the PC is transferred to the response data
The background terminal；
The smart mobile phone is obtained before the confirmation of PC transmission, in addition to：
The smart mobile phone builds transmissions links with the PC；
The smart mobile phone obtains the login ID of the keeper of the PC transmission via the transmissions links, and described
The login ID of the keeper is logged in smart mobile phone, the login ID of the keeper is the login for transmitting the confirmation
ID；
The sets requirement is：
The dialog box that the PC is now shown is not the transmission dialog box of the confirmation；Or,
The start button that the PC is currently in screen protection state and the PC is in setting state, the setting shape
State is used to agree that the PC transmits confirmation to the smart mobile phone；Or, got within the period 1 described
The conventional data of smart mobile phone transmission, the period 1 terminate time point be the PC obtain the confirmation when
Point, the conventional data are obtained by the smart mobile phone according to the confirmation obtained in conventional time point；Or, the PC is just
Maintenance program is set in operation；
Methods described, in addition to：
Started the clock when getting the confirmation, smart mobile phone detection start in the calculating time the
Whether the response data of typing is got in two cycles；
When the response data is not got within the second round, the smart mobile phone is transmitted to the PC
The response data of the setting is transferred to the background terminal, the response of the setting by the response data of setting, the PC
Data are voice data or character data；
The smart mobile phone obtains the response data of the typing for the confirmation, including：
The smart mobile phone detects user activated response command, wherein the response command is acoustic frequency response order or word
Accord with response command；
When the response command is acoustic frequency response order, the smart mobile phone obtains the typing for the confirmation
Voice data；
When the response command is character response order, the smart mobile phone is to the character that is prestored in the smart mobile phone
Data are shown, obtain user activated data decimation order, the character for obtaining the response data decimation order and returning
Data；
Methods described, in addition to：
The smart mobile phone is stepped on to the user of the service system of each distribution credit volume stored in the smart mobile phone
Record ID is shown；
The smart mobile phone obtains login ID and chooses order, obtains the distribution that the response login ID is chosen order and returned
User's login ID of the service system of credit volume；
User's login ID of the service system of the distribution credit volume of acquisition is transferred to described by the smart mobile phone
PC, the confirmation that the PC is transmitted in the user's login ID for the service system for getting the distribution credit volume
When, do not forward the confirmation to the smart mobile phone；
Methods described includes：
Smart mobile phone obtains the physical address of background terminal；
The smart mobile phone obtains the confirmation of typing；
The confirmation and the physical address are transferred to PC by the smart mobile phone, and the PC is according to the thing
Reason address determines the background terminal, and the confirmation is transferred into the background terminal；
The confirmation and the physical address are transferred to before PC by the smart mobile phone, in addition to：
The smart mobile phone builds transmissions links with the PC；
The smart mobile phone obtains the login ID of the keeper of the PC transmission via the transmissions links, and described
The login ID of the keeper is logged in smart mobile phone, the login ID of the keeper is the login for transmitting the confirmation
ID；
When the physical address is the user's login ID for the service system for distributing credit volume, the smart mobile phone is obtained
The physical address of background terminal, including：
The smart mobile phone is to the service system for distributing credit volume of each background terminal stored in the smart mobile phone
User's login ID shown, obtain login ID and choose order, point that the login ID is chosen order and returned will be responded
User's login ID of service system with credit volume is defined as making for the service system of the distribution credit volume of the background terminal
User's login ID；Or,
The smart mobile phone obtains user's information of the service system of the distribution credit volume of typing, detects the intelligent hand
The service whether being stored with machine with the distribution credit volume of user's information match of the service system of the distribution credit volume
User's login ID of system, when the user's letter with the service system of the distribution credit volume that is stored with the smart mobile phone
During user's login ID of the service system of the distribution credit volume of manner of breathing matching, by making for the service system of the distribution credit volume
User's login ID is defined as user's login ID of the service system of the distribution credit volume of the background terminal；When the intelligent hand
The service system with the distribution credit volume of user's information match of the service system of the distribution credit volume is not stored in machine
User's login ID when, by it is described distribution credit volume service system user's information transfer give the PC, obtain institute
State the service system with the distribution credit volume of user's information match of the service system of the distribution credit volume of PC transmission
User's login ID of system, the background terminal is defined as by user's login ID of the service system of the distribution credit volume
Distribute user's login ID of the service system of credit volume；
The smart mobile phone obtains the confirmation of typing, including：
The smart mobile phone detection user activated transmission order, wherein the transmission order is audio transmission order or word
Symbol transmission order；
When the transmission order is audio transmission order, the smart mobile phone obtains the voice data of typing；
When the transmission order is character transmission order, the smart mobile phone is to the character that is prestored in the smart mobile phone
Data are shown, obtain user activated data decimation order, the character for obtaining the response data decimation order and returning
Data；
Methods described includes：
PC obtains the confirmation of background terminal transmission；
The PC detects whether the PC meets sets requirement；
When the PC meets the sets requirement, the confirmation is transferred to smart mobile phone by the PC；
The PC obtains the response data of the smart mobile phone transmission, and the response data is transferred into the backstage
Terminal, the response data is entered into the smart mobile phone for the confirmation；
The confirmation is transferred to before smart mobile phone by the PC, in addition to：
The PC builds transmissions links with the smart mobile phone；
The login ID of keeper is transferred to the smart mobile phone, the intelligent hand by the PC via the transmissions links
Machine logs in the login ID of the keeper, and the login ID of the keeper is the login ID for transmitting the confirmation；
The PC detects whether the PC meets sets requirement, including：
The PC detect dialog box that the PC currently shows whether be the confirmation transmission dialog box；
Or,
The PC detects that whether the PC is currently in screen protection state, and detect that the start button in the PC is
No to be in setting state, the setting state is used to agree that the PC transmits confirmation to the smart mobile phone；Or
Person,
The PC detects whether the PC gets the conventional data of the smart mobile phone transmission within the period 1,
The time point that terminates of the period 1 is the time point that the PC obtains the confirmation, and the conventional data are by the intelligence
Mobile phone is obtained according to the confirmation obtained in conventional time point；Or,
The PC detects whether the PC is currently running setting maintenance program；
Methods described, in addition to：
The PC obtains the setting response data of the smart mobile phone transmission, and the setting response data is transferred into institute
Background terminal is stated, the response data that sets is voice data or character data, and the setting response data is the intelligent hand
Machine is started the clock when getting the confirmation, and does not get typing within the second round that the calculating time starts
Response data after transmit；
The confirmation is transferred to after smart mobile phone by the PC, in addition to：
The PC obtains the character data of the smart mobile phone transmission, and it is whole that the character data is transferred into the backstage
End, the character data by the smart mobile phone when getting character response order, respond the character response order and from
Choose and obtain in the character data prestored, the character response order is user activated response command；
Methods described, in addition to：
The PC obtains user's login ID of the service system of the distribution credit volume of the transmission confirmation；
The PC detects user's login ID of the service system for the distribution credit volume that the smart mobile phone is transmitted in advance
In whether include it is described distribution credit volume service system user's login ID；
Described in including when user's login ID of the service system for the distribution credit volume that the smart mobile phone is transmitted in advance
During the user's login ID for the service system for distributing credit volume, the confirmation is not forwarded to the smart mobile phone；
Methods described includes：
PC obtains the confirmation of smart mobile phone transmission and the physical address of background terminal；
The PC determines the background terminal according to the physical address；
The PC transmits the confirmation to the background terminal；
The PC is obtained before the confirmation of smart mobile phone transmission and the physical address of background terminal, in addition to：
The PC builds transmissions links with the smart mobile phone；
The login ID of keeper is transferred to the smart mobile phone, the intelligent hand by the PC via the transmissions links
Machine logs in the login ID of the keeper, and the login ID of the keeper is the login ID for transmitting the confirmation；
When the physical address is the user's login ID for the service system for distributing credit volume, the PC obtains intelligence
Before the confirmation of mobile phone transmission and the physical address of background terminal, in addition to：
The PC obtains user's information of the service system of the distribution credit volume of the smart mobile phone transmission, described point
User's information of service system with credit volume be do not store in the smart mobile phone and the distribution credit volume service system
The PC is transferred to during user's login ID of the service system of the distribution credit volume of user's information match of system；
The PC detects the user's letter whether being stored with the PC with the service system of the distribution credit volume
User's login ID of the service system of the distribution credit volume of manner of breathing matching；
When the distribution with user's information match of the service system of the distribution credit volume that is stored with the PC
During user's login ID of the service system of credit volume, the PC steps on the user of the service system of the distribution credit volume
Record ID is transferred to the smart mobile phone, and the smart mobile phone is true by user's login ID of the service system of the distribution credit volume
It is set to user's login ID of the service system of the distribution credit volume of the background terminal；
The PC obtains the confirmation of smart mobile phone transmission and the physical address of background terminal, including：
The PC obtains the character data and physical address of the smart mobile phone transmission, and the character data is by the intelligence
Energy mobile phone responds the character transmission order and chosen from the character data prestored when getting character transmission order
Arrive, the character transmission order is user activated transmission order.
This makes it possible to responded when keeper handles other affairs by smart mobile phone.
The present invention is described in the way of brief description of the drawings above, it will be understood by those of skill in the art that the disclosure
Embodiments described above is not limited to, in the case of without departing from the scope of the present invention, can make a variety of changes, change and replace
Change.
Claims (8)
1. the service system of credit volume is distributed a kind of, including is allocated to the preceding station terminal of group company in itself, it is characterised in that also
Including communicating the background terminal for being allocated to intermediate facilitator being connected with preceding station terminal；
The preceding station terminal includes enquiry module and confirms module；
The background terminal includes typing module and delivery module.
2. the service system of distribution credit volume according to claim 1, it is characterised in that the preceding station terminal is the first shifting
Dynamic intelligent terminal, the first PC or the first notebook computer；
The background terminal is background server, the second mobile intelligent terminal, the second PC or the second notebook computer.
3. the service system of distribution credit volume according to claim 1, it is characterised in that described to be allocated to group company's sheet
The preceding station terminal of body constitutes the internet based on cloud platform with the background terminal for being allocated to intermediate facilitator.
4. the service system of distribution credit volume according to claim 1, it is characterised in that the typing module is used for handle point
The available credit volume of the title of the subsidiary of the group company of the mandate amount of group company and the subsidiary of group company is matched somebody with somebody
Degree typing is simultaneously saved in the background terminal；
The enquiry module, which is used for sending the background terminal for being allocated to intermediate facilitator, inquires about the available accrediting amount distributed
Solicited message；
The delivery module is used for title and the group of the subsidiary of the group company the mandate amount for being assigned with group company
The available accrediting amount of the subsidiary of company returns to the preceding station terminal；
The confirmation module is used for sending confirmation to the background terminal.
5. the method for the service system of distribution credit volume according to claim 1, it is characterised in that step is as follows：
Step 1：Recommend business with guarantee and recommend the credit application material of business in itself with guarantee to financial institution's submission, financial institution utilizes and recommends business with guarantee in itself
Credit application material draw the accrediting amount for recommending business with guarantee, or recommend this with guarantee business existing accrediting amount and carry out cutting so that confirm can
Amount is distributed, the above-mentioned accrediting amount, which is belonged to, recommends business with guarantee in itself；
Step 2：What then the financial institution, intermediate facilitator and group company specified recommend with guarantee, and business signs tripartite association jointly
Cloud letter is arranged in view, the tripartite agreement to be opened by the subsidiary for recommending business's confirmation with guarantee, has recommended what business specified to group company with guarantee
Subsidiary undertakes obligation under bond；
Step 3：Group company confirms or arranges by credit subsidiary in the protocol with financial institution in itself, and the agreement includes
By the inventory of credit subsidiary title, the content of the agreement includes allowing group company in itself the accrediting amount of group company
The subsidiary of group company is freely distributed to, the group company both can separately subscribe to the agreement confirmation by credit with financial institution
Subsidiary, can also directly be arranged by credit subsidiary by the tripartite agreement；
Step 4：The son for recommending subsidiary as group company that business distributes to the accrediting amount of group company group company with guarantee is public
The available accrediting amount of department, then provides financial institution written inventory, and the content of the written inventory is to be assigned with collection
The title of the subsidiary of the group company of the accrediting amount of company of group；Here the subsidiary of group company is for the confirmation or about
It is fixed by credit subsidiary；
Step 5：By be allocated to intermediate facilitator background terminal typing module the mandate amount for being assigned with group company
Group company subsidiary title and group company subsidiary available accrediting amount typing and be saved in the backstage
In terminal；
Step 6：Then by being allocated to the enquiry module of the preceding station terminal of group company in itself to being allocated to intermediate facilitator
Background terminal sends the solicited message of the available accrediting amount of inquiry distribution, and station terminal receives the solicited message in the rear
Afterwards, title and group of the delivery module the subsidiary of the group company for the mandate amount for being assigned with group company are just started
The available accrediting amount of the subsidiary of company returns to the preceding station terminal, by confirming that module is whole to the backstage after confirmation is errorless
End sends confirmation.
6. the method for the service system of distribution credit volume according to claim 5, it is characterised in that be allocated to by described
The typing module of the background terminal of intermediate facilitator is the title of the subsidiary for the group company that have adjusted available credit volume, adjustment
Type and adjustment amount typing are simultaneously saved in the background terminal.
7. the method for the service system of distribution credit volume according to claim 5, it is characterised in that the group company refers to
It is fixed to recommend business with guarantee for group company in itself or other companies of group for specifying.
8. the method for the service system of distribution credit volume according to claim 5, it is characterised in that the distribution credit volume
Service system also have issue electronics acceptance and guarantee voucher, circulation, factoring or the assignment of credit, again factoring, double factorings and arrive
The function of phase statistics.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710385627.7A CN107292734A (en) | 2017-05-26 | 2017-05-26 | Distribute the service system and its method of credit volume |
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ID=60095265
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Application publication date: 20171024 |