CN107316243A

CN107316243A - The service system and its method of double factorings

Info

Publication number: CN107316243A
Application number: CN201710384810.5A
Authority: CN
Inventors: 刘江; 赵红军; 宋文东; 白静; 柏晓琳; 张岩; 刘长波; 程菲; 姜勇
Original assignee: In Cloud Chain (beijing) Financial Information Services Ltd
Current assignee: In Cloud Chain (beijing) Financial Information Services Ltd
Priority date: 2017-05-26
Filing date: 2017-05-26
Publication date: 2017-11-03

Abstract

The service system and its method of a kind of pair of factoring, including be allocated to station terminal before first of group company in itself, be allocated to the subsidiary of group company second before station terminal, be allocated to supplier the 3rd before station terminal, be allocated to supplier's assignment of credit when docked the 4th of cooperative bank before station terminal and be allocated to examination ＆ verification side the 5th before station terminal, in addition to be allocated to the background terminal of intermediate facilitator；The cooperative bank can also be factoring company or other financial institutions；Operation under the line of domestic double factorings in the prior art, which is effectively prevent, with reference to its method make it that cost is high, cumbersome, cycle length defect.

Description

The service system and its method of double factorings

Technical field

The present invention relates to financial technology field, and in particular to the service system and its method of a kind of pair of factoring.

Background technology

So-called domestic double factorings refer in factoring business at home that the factoring business for having two or more than two closes jointly Make, any one factoring service of financing by accounts receivable, management, collection and buyer's guarantee of payment is provided for supplier.

The shortcoming of domestic double factorings is because operation make it that cost is high, cumbersome, the cycle is long under line at present.

The content of the invention

To solve the above problems, the invention provides the service system and its method of a kind of pair of factoring, effectively prevent existing There is in technology China under the line of double factorings operation make it that cost is high, cumbersome, cycle length defect.

In order to overcome deficiency of the prior art, the invention provides the service system of a kind of pair of factoring and its solution of method Certainly scheme, specific as follows：

A kind of service system of pair of factoring, including be allocated to station terminal before first of group company in itself, be allocated to group Station terminal before the second of the subsidiary of company, be allocated to supplier the 3rd before station terminal, when being allocated to supplier's assignment of credit Before the 4th of the cooperative bank docked station terminal and be allocated to examination ＆ verification side the 5th before station terminal, in addition to the first foreground Station terminal communicates being allocated to for connection before station terminal and the 5th before station terminal, the 4th before station terminal, the 3rd before terminal, second The background terminal of intermediate facilitator；Station terminal includes enquiry module and confirms module before described first；The cooperative bank also may be used To be factoring company or other financial institution；

Station terminal includes the first input module, the first transport module and the first preserving module before described second；

The background terminal includes typing module, delivery module and cloud letter generation module；

Station terminal includes the second input module, the second transport module and the second preserving module before described 3rd；

Station terminal includes the 3rd preserving module before described 4th；

Station terminal includes the 3rd transport module, the 4th preserving module and display module before described 5th.

Further, station terminal is the first mobile intelligent terminal, the first PC or the first notebook electricity before described first Brain；

Station terminal includes the second mobile intelligent terminal, the second PC or the second notebook computer before described second；

The background terminal is background server, the 3rd mobile intelligent terminal, the 3rd PC or the 3rd notebook computer；

Station terminal includes the 4th mobile intelligent terminal, the 4th PC or the 4th notebook computer before described 3rd；

Station terminal includes the 5th mobile intelligent terminal, the 5th PC or the 5th notebook computer before described 4th；

Station terminal includes the 6th mobile intelligent terminal, the 6th PC or the 6th notebook computer before described 5th.

Further, it is described be allocated to group company in itself first before station terminal, be allocated to the 3rd foreground of supplier Terminal, be allocated to the subsidiary of group company second before station terminal, be allocated to the cooperation docked during supplier's assignment of credit Station terminal and it is allocated to the background terminal of intermediate facilitator before the 4th of bank and constitutes 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 Station terminal before the available accrediting amount of the subsidiary of group company returns to described first；For the sub- cloud of the generation is believed and paid the bill Commitment letter station terminal and is stored in the background terminal before returning to the 3rd of the supplier the

The confirmation module is used for sending confirmation to the background terminal；

First input module is used for inputting the promise to pay amount of money, promises to undertake the day of payment, the title of supplier and supplier Tax Registration Certificate number；For the sub- cloud letter received, promise to pay letter, the electronic contract for the assignment of credit and for debt Station terminal before the electronic invoice that power is transferred the possession of is sent to the be allocated to the cooperative bank docked during supplier's assignment of credit the 4th.

First transport module is used for the Bank Account Number tax of the promise day of payment, the title of supplier and supplier to step on Note card number is sent to the background terminal and preserved；For the main cloud letter received is sent to configuration with promise to pay letter To station terminal before the 3rd of supplier the；

The cloud letter generation module is used for generating the title including the subsidiary, the promise to pay amount of money, promises to undertake the day of payment, supplies Answer the title of business, the Tax Registration Certificate number of supplier and main cloud letter numbering main Yun Xinhe only including the subsidiary title, The promise to pay amount of money, promise to pay and the promise to pay letter for promising to undertake the day of payment, and the main cloud letter and promise to pay letter of the generation Station terminal and it is stored in before returning to be allocated to the subsidiary described second in the background terminal；For generating including the supply Institute is right when the title of the cooperative bank docked when the title of business, credits number, supplier's assignment of credit, supplier's assignment of credit The sub- cloud letter of the Tax Registration Certificate number of the cooperative bank connect and sub- cloud letter numbering, and by delivery module for the assignment of credit Electronic contract and before being sent to the described 5th for the electronic invoice of the assignment of credit in station terminal；

Institute is right when second input module is used for inputting the title of the supplier, credits number, supplier's assignment of credit The Tax Registration Certificate number for the cooperative bank docked when the title of the cooperative bank connect, supplier's assignment of credit, turn for credits The electronic contract allowed and the electronic invoice for the assignment of credit；For inputting the title of the supplier, credits number, promising to undertake payment Day, supplier's assignment of credit when docked cooperative bank title, the supplier assignment of credit when cooperative bank docked Tax Registration Certificate number, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit；

Second transport module is docked when being used for the title of the supplier, credits number, supplier's assignment of credit Cooperative bank title, supplier's assignment of credit when docked cooperative bank Tax Registration Certificate number, for the assignment of credit Electronic contract and be sent to the background terminal for the electronic invoice of the assignment of credit and preserved；

The display module is used for showing the electronic contract for the assignment of credit and for the electronic invoice of the assignment of credit In background terminal；

Second preserving module is used for station terminal before the main cloud letter and promise to pay letter that receive are stored in the 3rd In；

3rd preserving module be used for the sub- cloud letter received, promise to pay letter, the electronic contract for the assignment of credit and Before electronic invoice for the assignment of credit is stored in the 4th in station terminal；

4th preserving module is used for the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit Preserved；

The display module is used for showing the electronic contract for the assignment of credit and for the electronic invoice of the assignment of credit In station terminal before the described 5th；

3rd transport module returns to the background terminal successful information is audited.

Further, the method for the service system of described double factorings, 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 financial institution, intermediate facilitator And the business that recommends with guarantee that group company specifies signs tripartite agreement jointly, cloud letter is arranged in the tripartite agreement by recommending business's confirmation with guarantee Subsidiary is opened, and is recommended business with guarantee and is undertaken obligation under bond to the subsidiary that group company specifies；

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 station terminal before first of group company in itself to being allocated to centre The background terminal of service provider sends the solicited message of the available accrediting amount of inquiry distribution, and station terminal receives this and asked in the rear Ask after information, just start title of the delivery module the subsidiary of the group company for the mandate amount for being assigned with group company Station terminal before returning to described first with the available accrediting amount of the subsidiary of group company, by confirming module pair after confirmation is errorless The background terminal sends confirmation；

Step 7：The subsidiary of the group company provides main cloud to supplier with liability and believed, described to provide main cloud letter Method be：

The subsidiary of the group company first carries out real-name authentication and provides the qualification that main cloud is believed to obtain, then by configuring The promise to pay amount of money is inputted to the first input module of station terminal before described the second of the subsidiary, the day of payment, supply is promised to undertake The title of business and the Tax Registration Certificate number of supplier, then first transport module is the promise day of payment, the title of supplier The background terminal is sent to the Bank Account Number Tax Registration Certificate number of supplier to be preserved, the cloud letter in such background terminal Generation module just generates the title including the subsidiary, the promise to pay amount of money, promises to undertake the day of payment, the title of supplier, supplier Tax Registration Certificate number and main cloud letter numbering main Yun Xinhe only including the title of the subsidiary, the promise to pay amount of money, payment The promise to pay letter of the day of payment is promised to undertake and promised to undertake, and the main cloud of generation letter and promise to pay letter are returned is allocated to the subsidiary Described second before station terminal and be stored in the background terminal, station terminal receives main Yun Xinhou before described second, described First transport module of station terminal is just sent to the main cloud letter received with promise to pay letter and is allocated to supplier before second The 3rd before station terminal, the supplier the 3rd before the second preserving module of station terminal just the main cloud that receives is believed and paid the bill Before commitment letter is stored in the 3rd in station terminal, the numbering of the main cloud letter is the unique identifier for identifying the main cloud letter, described Main cloud letter is a kind of electronics acceptance and guarantee voucher, and the electronics acceptance and guarantee voucher is as in defined promise day of payment subsidiary The promise to pay amount of money is repaid the voucher that holder is believed to cloud, the promise to pay amount of money is no more than the available credit of the subsidiary Amount；The mode that the main cloud letter is stored in the background terminal is the database that the main cloud letter is stored in the background terminal In；

Step 8：Under conditions of the supplier has cloud letter, the supplier can be to supplier's assignment of credit when institute The cooperative bank of docking provides cloud letter to realize the assignment of credit, and the offer cloud letter is come the method for realizing the assignment of credit：

By being allocated to the supplier the 3rd before station terminal the second input module come input the supplier title, The cooperation docked when the title of the cooperative bank docked when credits number, supplier's assignment of credit, supplier's assignment of credit The Tax Registration Certificate number of bank, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit, it is then described to supply Answer title of second transport module the supplier of station terminal before the 3rd of business, credits number, supplier's assignment of credit when institute The Tax Registration Certificate number for the cooperative bank docked when the title of the cooperative bank of docking, supplier's assignment of credit, for credits The electronic contract of transfer and electronic invoice for the assignment of credit are sent to the background terminal and preserved, such background terminal In cloud letter generation module just generate the conjunction docked when the title including the supplier, credits number, supplier's assignment of credit The son of the Tax Registration Certificate number for the cooperative bank docked when title, the supplier's assignment of credit of making bank and sub- cloud letter numbering Yun Xin, and be sent to by delivery module the electronic contract for the assignment of credit and for the electronic invoice of the assignment of credit described Sent out before 5th by the 4th preserving module the electronic contract for the assignment of credit in station terminal and for the electronics of the assignment of credit Ticket is preserved, and by display module be shown in the described 5th before in station terminal, so by examination ＆ verification side to for the assignment of credit Electronic contract and electronic invoice for the assignment of credit are audited, audit it is errorless after by the 3rd transport module auditing successfully Information return to the background terminal, the sub- cloud letter and promise to pay letter of the generation are returned to the supply by the delivery module again Station terminal and it is stored in before the 3rd of business in the background terminal, station terminal receives sub- cloud letter and promise to pay before the described 3rd After letter, the supplier the 3rd before station terminal the second input module just this is received sub- cloud letter, promise to pay letter, use It is right that electronic contract in the assignment of credit and the electronic invoice for the assignment of credit are sent to institute when being allocated to supplier's assignment of credit Station terminal before the 4th of the cooperative bank connect, it is described be allocated to the cooperative bank docked during supplier's assignment of credit the 4th before 3rd preserving module of station terminal is just sub- cloud letter, promise to pay letter, the electronic contract and use for the assignment of credit received In station terminal before the electronic invoice of the assignment of credit is stored in the 4th, then auditor audits to the sub- cloud letter, The examination ＆ verification is examines the authenticity that sub- cloud is believed and its legitimacy held, and the credits number believed according to the sub- cloud received is to supplying Business is answered to carry out the assignment of credit, the numbering of the sub- cloud letter is the unique mark of the sub- cloud letter of the numbering that mark includes main cloud letter Symbol, the sub- cloud letter is a kind of electronics acceptance and guarantee voucher, and the electronics acceptance and guarantee voucher is as in the defined promise day of payment The supplier credits number repay to it is described be allocated to supplier's assignment of credit when the voucher of cooperative bank that is docked, it is described The promise to pay amount of money of the credits number no more than the Yun Xinshang that the supplier possesses；The sub- cloud letter is stored in the background terminal Mode be that the sub- cloud letter is stored in the database of the background terminal.

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 intermediate facilitator collects the certain proportion of credits number as service charge.

Beneficial effects of the present invention are：

Invention introduces operation on line causes domestic double factoring efficiency highs, cost is low, operation is convenient, the cycle is short.

Brief description of the drawings

Fig. 1 is the structural representation of the service system of double factorings 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 double factorings of the present embodiment, including be allocated to first of group company in itself Preceding station terminal, be allocated to the subsidiary of group company second before station terminal, be allocated to supplier the 3rd before station terminal, configuration Before the 4th of the cooperative bank docked during to supplier's assignment of credit station terminal and be allocated to examination ＆ verification side the 5th foreground it is whole End, in addition to first before station terminal and the 5th foreground are whole before station terminal, the 4th before station terminal, the 3rd before station terminal, second End communicates the background terminal for being allocated to intermediate facilitator of connection；The cooperative bank can also be factoring company or other Financial institution；

Station terminal includes enquiry module and confirms module before described first；

Station terminal includes the 3rd preserving module before described 4th；

The method of the service system of described double factorings, 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；

The subsidiary of the group company first carries out real-name authentication and provides the qualification that main cloud is believed to obtain, then by configuring Inputted to the first input module of station terminal before described the second of the subsidiary

The promise to pay amount of money, the day of payment, the Tax Registration Certificate number of the title of supplier and supplier are promised to undertake, then described the One transport module is promising to undertake the day of payment, the Bank Account Number Tax Registration Certificate number of the title of supplier and supplier be sent to it is described after Station terminal is preserved, and the cloud letter generation module in such background terminal just generates the title including the subsidiary, promise to pay The main Yun Xinhe that the amount of money, the promise day of payment, the title of supplier, the Tax Registration Certificate number of supplier and main cloud letter are numbered only is wrapped Title, the promise to pay amount of money, promise to pay and the promise to pay letter for promising to undertake the day of payment of the subsidiary are included, and the master of the generation Cloud is believed and promise to pay letter return to be allocated to the subsidiary described second before station terminal and be stored in the background terminal, institute Station terminal receives the main cloud that the first transport module of station terminal before main Yun Xinhou, described second just receives this before stating second Letter and promise to pay letter be sent to the be allocated to supplier the 3rd before station terminal, the supplier the 3rd before station terminal second Before the main cloud letter and promise to pay letter that receive just are stored in the 3rd by preserving module in station terminal, the numbering of the main cloud letter To identify the unique identifier of main cloud letter, the main cloud letter is a kind of electronics acceptance and guarantee voucher, the electronics acceptance and guarantee with Demonstrate,prove the voucher that holder is believed to cloud as the promise to pay amount of money is repaid in defined promise day of payment subsidiary, the payment Promise to undertake that the amount of money is no more than the available accrediting amount of the subsidiary；The mode that the main cloud letter is stored in the background terminal is described Main cloud letter is stored in the database of the background terminal；

By being allocated to the supplier the 3rd before station terminal the second input module come input the supplier title, The cooperation docked when the title of the cooperative bank docked when credits number, supplier's assignment of credit, supplier's assignment of credit The Tax Registration Certificate number of bank, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit, it is then described to supply Answer title of second transport module the supplier of station terminal before the 3rd of business, credits number, supplier's assignment of credit when institute The Tax Registration Certificate number for the cooperative bank docked when the title of the cooperative bank of docking, supplier's assignment of credit, for credits The electronic contract of transfer and electronic invoice for the assignment of credit are sent to the background terminal and preserved, such background terminal In cloud letter generation module just generate the conjunction docked when the title including the supplier, credits number, supplier's assignment of credit The son of the Tax Registration Certificate number for the cooperative bank docked when title, the supplier's assignment of credit of making bank and sub- cloud letter numbering Yun Xin, and be sent to by delivery module the electronic contract for the assignment of credit and for the electronic invoice of the assignment of credit described Sent out before 5th by the 4th preserving module the electronic contract for the assignment of credit in station terminal and for the electronics of the assignment of credit Ticket is preserved, and by display module be shown in the described 5th before in station terminal, so by examination ＆ verification side to for the assignment of credit Electronic contract and electronic invoice for the assignment of credit are audited, audit it is errorless after by the 3rd transport module auditing successfully Information return to the background terminal, the sub- cloud letter and promise to pay letter of the generation are returned to the supply by the delivery module again Station terminal and it is stored in before the 3rd of business in the background terminal, station terminal receives sub- cloud letter and promise to pay before the described 3rd After letter, the supplier the 3rd before station terminal the second input module just this is received sub- cloud letter, promise to pay letter, use It is right that electronic contract in the assignment of credit and the electronic invoice for the assignment of credit are sent to institute when being allocated to supplier's assignment of credit Station terminal before the 4th of the cooperative bank connect, it is described be allocated to the cooperative bank docked during supplier's assignment of credit the 4th before 3rd preserving module of station terminal is just sub- cloud letter, promise to pay letter, the electronic contract and use for the assignment of credit received In station terminal before the electronic invoice of the assignment of credit is stored in the 4th, then auditor audits to the sub- cloud letter, The examination ＆ verification is examines the authenticity that sub- cloud is believed and its legitimacy held, and the credits number believed according to the sub- cloud received is to supplying Business is answered to carry out the assignment of credit, the numbering of the sub- cloud letter is the unique mark of the sub- cloud letter of the numbering that mark includes main cloud letter Symbol, the sub- cloud letter is a kind of electronics acceptance and guarantee voucher, and the electronics acceptance and guarantee voucher is as in the defined promise day of payment The supplier credits number repay to it is described be allocated to supplier's assignment of credit when the voucher of cooperative bank that is docked, it is described The promise to pay amount of money of the credits number no more than the Yun Xinshang that the supplier possesses；The sub- cloud letter is stored in the background terminal Mode be that the sub- cloud letter is stored in the database of the background terminal..

The present embodiment has the beneficial effect that：

By introducing, operation on line causes domestic double factoring efficiency highs, cost is low, operation is convenient, the cycle is short.

Embodiment 2

1 understand with reference to the accompanying drawings, the service system of double factorings of the present embodiment,

Including be allocated to station terminal before first of group company in itself, be allocated to group company subsidiary the second foreground Terminal, be allocated to supplier the 3rd before station terminal, be allocated to the 4th of the cooperative bank docked during supplier's assignment of credit Preceding station terminal and be allocated to examination ＆ verification side the 5th before station terminal, in addition to first before station terminal, the 3rd before station terminal, second Station terminal communicates the background terminal for being allocated to intermediate facilitator of connection before station terminal and the 5th before preceding station terminal, the 4th； The cooperative bank can also be factoring company or other financial institutions；

Station terminal includes the 3rd preserving module before described 4th；

Station terminal is the first mobile intelligent terminal, the first PC or the first notebook computer before described first；

Station terminal includes the 6th mobile intelligent terminal, the 6th PC or the 6th notebook computer before described 5th.It is described First mobile intelligent terminal is the first smart mobile phone, the first PDA or the first tablet personal computer；The second mobile intelligent terminal bag Include the second smart mobile phone, the 2nd PDA or the second tablet personal computer；3rd mobile intelligent terminal include the 3rd smart mobile phone, 3rd PDA or the 3rd tablet personal computer.4th mobile intelligent terminal includes the 4th smart mobile phone, the 4th PDA or fourth panel Computer.5th mobile intelligent terminal includes the 5th smart mobile phone, the 5th PDA or the 5th tablet personal computer.Described 6th moves Dynamic intelligent terminal includes the 6th smart mobile phone, the 6th PDA or the 6th tablet personal computer.

It is described be allocated to group company in itself first before station terminal, be allocated to supplier the 3rd before station terminal, configuration To group company subsidiary second before station terminal, be allocated to supplier's assignment of credit when docked the 4th of cooperative bank Preceding station terminal and it is allocated to the background terminal of intermediate facilitator and constitutes the 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；

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 intermediate facilitator collects the certain proportion of credits number as service charge.

The present embodiment has the beneficial effect that：

Embodiment 3

1 understand with reference to the accompanying drawings, the service system of double factorings of the present embodiment, including be allocated to first of group company in itself Preceding station terminal, be allocated to the subsidiary of group company second before station terminal, be allocated to supplier the 3rd before station terminal, configuration Before the 4th of the cooperative bank docked during to supplier's assignment of credit station terminal and be allocated to examination ＆ verification side the 5th foreground it is whole End, it is characterised in that also including with first before before station terminal, second before station terminal, the 3rd before station terminal, the 4th station terminal and Station terminal communicates the background terminal for being allocated to intermediate facilitator of connection before 5th；The cooperative bank can also be that factoring is public Department or other financial institutions；

Station terminal includes the 3rd preserving module before described 4th；

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 Station terminal before the available accrediting amount of the subsidiary of group company returns to described first；For the sub- cloud of the generation is believed and paid the bill Commitment letter station terminal and is stored in the background terminal before returning to the 3rd of the supplier the；

By being allocated to the supplier the 3rd before station terminal the second input module come input the supplier title, The cooperation docked when the title of the cooperative bank docked when credits number, supplier's assignment of credit, supplier's assignment of credit The Tax Registration Certificate number of bank, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit, it is then described to supply Answer title of second transport module the supplier of station terminal before the 3rd of business, credits number, supplier's assignment of credit when institute The Tax Registration Certificate number for the cooperative bank docked when the title of the cooperative bank of docking, supplier's assignment of credit, for credits The electronic contract of transfer and electronic invoice for the assignment of credit are sent to the background terminal and preserved, such background terminal In cloud letter generation module just generate the conjunction docked when the title including the supplier, credits number, supplier's assignment of credit The son of the Tax Registration Certificate number for the cooperative bank docked when title, the supplier's assignment of credit of making bank and sub- cloud letter numbering Yun Xin, and be sent to by delivery module the electronic contract for the assignment of credit and for the electronic invoice of the assignment of credit described Sent out before 5th by the 4th preserving module the electronic contract for the assignment of credit in station terminal and for the electronics of the assignment of credit Ticket is preserved, and by display module be shown in the described 5th before in station terminal, so by examination ＆ verification side to for the assignment of credit Electronic contract and electronic invoice for the assignment of credit are audited, audit it is errorless after by the 3rd transport module auditing successfully Information return to the background terminal, the sub- cloud letter and promise to pay letter of the generation are returned to the supply by the delivery module again Station terminal and it is stored in before the 3rd of business in the background terminal, station terminal receives sub- cloud letter and promise to pay before the described 3rd After letter, the supplier the 3rd before station terminal the second input module just this is received sub- cloud letter, promise to pay letter, use It is right that electronic contract in the assignment of credit and the electronic invoice for the assignment of credit are sent to institute when being allocated to supplier's assignment of credit Station terminal before the 4th of the cooperative bank connect, it is described be allocated to the cooperative bank docked during supplier's assignment of credit the 4th before 3rd preserving module of station terminal is just sub- cloud letter, promise to pay letter, the electronic contract and use for the assignment of credit received In station terminal before the electronic invoice of the assignment of credit is stored in the 4th, then auditor audits to the sub- cloud letter, The examination ＆ verification is examines the authenticity that sub- cloud is believed and its legitimacy held, and the credits number believed according to the sub- cloud received is to supplying Business is answered to carry out the assignment of credit, the numbering of the sub- cloud letter is the unique mark of the sub- cloud letter of the numbering that mark includes main cloud letter Symbol, the sub- cloud letter is a kind of electronics acceptance and guarantee voucher, and the electronics acceptance and guarantee voucher is as in the defined promise day of payment The supplier credits number repay to it is described be allocated to supplier's assignment of credit when the voucher of cooperative bank that is docked, it is described The promise to pay amount of money of the credits number no more than the Yun Xinshang that the supplier possesses；The sub- cloud letter is stored in the background terminal Mode be that the sub- cloud letter is stored in the database of the background terminal.Group company in itself can also be having distributed to collection The available accrediting amount of the subsidiary of company of group is adjusted, that is, increases or decreases the available accrediting amount of the group company, This is the typing module by the background terminal for being allocated to intermediate facilitator the group company that have adjusted available credit volume Title, adjustment type and the adjustment of subsidiary amount typing and be saved in the background terminal.The adjustment type includes Increase and reduce both adjustment types.

The present embodiment has the beneficial effect that：

Confirmation is transferred to background terminal by the service system of double factorings via confirmation module, and background terminal is got After confirmation, the keeper for being responsible for background terminal will be via background terminal via service system of the confirmation module to double factorings 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 to user's login ID of the service system of each pair of factoring stored in the smart mobile phone Shown；

The smart mobile phone obtains login ID and chooses order, obtains double guarantors that the response login ID is chosen order and returned User's login ID of the service system of reason；

User's login ID of the service system of described pair of factoring of acquisition is transferred to the PC by the smart mobile phone, The PC is in the confirmation that the user's login ID for getting the service system of described pair of factoring is transmitted, not to described Smart mobile phone forwards the confirmation；

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；

When the physical address is user's login ID of the service system of double factorings, the smart mobile phone obtains backstage The physical address of terminal, including：

The smart mobile phone makes to the service system of double factorings of each background terminal that is stored in the smart mobile phone User's login ID is shown, is obtained login ID and is chosen order, will respond double factorings that the login ID selection is ordered and returned Service system user's login ID be defined as the background terminal double factorings service system user's login ID；Or Person,

The smart mobile phone obtains user's information of the service system of double factorings of typing, detects in the smart mobile phone The user whether being stored with the service system of double factorings of user's information match of the service system of described pair of factoring Login ID, when the double factorings with user's information match of the service system of described pair of factoring that are stored with the smart mobile phone Service system user's login ID when, user's login ID of the service system of described pair of factoring is defined as the backstage User's login ID of the service system of double factorings of terminal；When the service with described pair of factoring is not stored in the smart mobile phone During user's login ID of the service system of double factorings of user's information match of system, by the service system of described pair of factoring User's information transfer of system gives the PC, obtains the user with the service system of described pair of factoring of the PC transmission User's login ID of the service system of double factorings of information match, the user of the service system of described pair of factoring is logged in ID is defined as user's login ID of the service system of double factorings of the background terminal；

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 double factorings of the transmission confirmation；

The PC is detected in user's login ID of the service system for double factorings that the smart mobile phone is transmitted in advance User's login ID of the no service system including described pair of factoring；

When user's login ID of the service system for double factorings that the smart mobile phone is transmitted in advance includes double guarantors During user's login ID of the service system of reason, 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；

When the physical address is user's login ID of the service system of double factorings, the PC obtains smart mobile phone Before the confirmation of transmission and the physical address of background terminal, in addition to：

The PC obtains user's information of the service system of double factorings of the smart mobile phone transmission, described pair of factoring User's information of service system be not store user's letter with the service system of described pair of factoring in the smart mobile phone The PC is transferred to during user's login ID of the service system of double factorings of manner of breathing matching；

The PC detects the user's information phase whether being stored with the service system of described pair of factoring in the PC User's login ID of the service system of double factorings of matching；

When being stored with the PC and double factorings of user's information match of the service system of described pair of factoring During user's login ID of service system, user's login ID of the service system of described pair of factoring is transferred to institute by the PC Smart mobile phone is stated, user's login ID of the service system of described pair of factoring is defined as the background terminal by the smart mobile phone Double factorings service system user's login ID；

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

1. the service system of a kind of pair of factoring, including be allocated to station terminal before first of group company in itself, be allocated to group's public affairs Station terminal before the second of the subsidiary of department, be allocated to supplier the 3rd before station terminal, be allocated to supplier's assignment of credit when institute Before the 4th of the cooperative bank of docking station terminal and be allocated to examination ＆ verification side the 5th before station terminal, it is characterised in that also include With first before station terminal communicates company before station terminal and the 5th before station terminal, the 4th before station terminal, the 3rd before station terminal, second What is connect is allocated to the background terminal of intermediate facilitator；Station terminal includes enquiry module and confirms module before described first；It is described to close It can also be factoring company or other financial institutions to make bank；

Station terminal includes the 3rd preserving module before described 4th；

2. the service system of according to claim 1 pair of factoring, it is characterised in that station terminal is the first shifting before described first Dynamic intelligent terminal, the first PC or the first notebook computer；

3. the service system of according to claim 1 pair of factoring, it is characterised in that described to be allocated to group company in itself Station terminal before first, be allocated to supplier the 3rd before station terminal, be allocated to the subsidiary of group company second before station terminal, It is allocated to before the 4th of the cooperative bank docked during supplier's assignment of credit station terminal and is allocated to after intermediate facilitator Station terminal constitutes the internet based on cloud platform.

4. the service system of according to claim 1 pair of factoring, it is characterised in that the typing module is used for handle and is assigned with The title of the subsidiary of the group company of the mandate amount of group company and the record of the available accrediting amount of the subsidiary of group company Enter and be 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 Station terminal before the available accrediting amount of the subsidiary of company returns to described first；For the sub- cloud of generation letter and promise to pay Letter station terminal and is stored in the background terminal before returning to the 3rd of the supplier the；

First input module is used for inputting the promise to pay amount of money, promises to undertake the tax of the day of payment, the title of supplier and supplier Business registration card number；For turning the sub- cloud letter received, promise to pay letter, the electronic contract for the assignment of credit and for credits Station terminal before the electronic invoice allowed is sent to the be allocated to the cooperative bank docked during supplier's assignment of credit the 4th.

First transport module is used for the Bank Account Number Tax Registration Certificate for promising to undertake the day of payment, the title of supplier and supplier Number being sent to the background terminal is preserved；Confession is allocated to for the main cloud letter received is sent to promise to pay letter Answer station terminal before the 3rd of business；

The cloud letter generation module is used for generating the title including the subsidiary, the promise to pay amount of money, promises to undertake the day of payment, supplier Title, the Tax Registration Certificate number of supplier and main cloud letter numbering main Yun Xinhe only including the subsidiary title, payment The amount of money, promise to pay and the promise to pay letter for promising to undertake the day of payment are promised to undertake, and the main cloud letter and promise to pay letter of the generation are returned It is allocated to before described the second of the subsidiary station terminal and is stored in the background terminal；For generating including the supplier's Docked when the title of the cooperative bank docked when title, credits number, supplier's assignment of credit, supplier's assignment of credit The sub- cloud letter of the Tax Registration Certificate number of cooperative bank and sub- cloud letter numbering, and by delivery module the electricity for the assignment of credit Before sub- contract and electronic invoice for the assignment of credit are sent to the described 5th in station terminal；

Second input module is used for inputting what is docked when the title of the supplier, credits number, supplier's assignment of credit The Tax Registration Certificate number for the cooperative bank docked when the title of cooperative bank, supplier's assignment of credit, for the assignment of credit Electronic contract and the electronic invoice for the assignment of credit；For input the title of the supplier, credits number, promise to undertake the day of payment, The tax for the cooperative bank docked when the title of the cooperative bank docked during supplier's assignment of credit, supplier's assignment of credit Registration card number, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit；

Second transport module is used for the conjunction docked during the title of the supplier, credits number, supplier's assignment of credit Tax Registration Certificate number, the electricity for the assignment of credit for the cooperative bank docked when title, the supplier's assignment of credit of making bank Sub- contract and electronic invoice for the assignment of credit are sent to the background terminal and preserved；

The display module is used for after being shown in the electronic contract for the assignment of credit and for the electronic invoice of the assignment of credit In station terminal；

Second preserving module is used for before the main cloud letter and promise to pay letter that receive are stored in the 3rd in station terminal；

3rd preserving module is used for the sub- cloud letter received, promise to pay letter, the electronic contract for the assignment of credit and is used for Before the electronic invoice of the assignment of credit is stored in the 4th in station terminal；

4th preserving module is used for carrying out the electronic contract for the assignment of credit and for the electronic invoice of the assignment of credit Preserve；

The display module is used for being shown in institute the electronic contract for the assignment of credit and for the electronic invoice of the assignment of credit Before stating the 5th in station terminal；

5. the method for the service system of according to claim 1 pair of factoring, 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：Then the financial institution, intermediate facilitator and What group company specified recommend business with guarantee signs tripartite agreement jointly, has arranged cloud letter in the tripartite agreement public by the son for recommending business's confirmation with guarantee Department is opened, and is recommended business with guarantee and is undertaken obligation under bond to the subsidiary that group company specifies；

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 station terminal before first 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 Station terminal before the available accrediting amount of the subsidiary of company of group returns to described first, by confirming module to described after confirmation is errorless Background terminal sends confirmation；

Step 7：The subsidiary of the group company provides main cloud to supplier with liability and believed, the side for providing main cloud letter Method is：

The subsidiary of the group company first carries out real-name authentication and provides the qualification that main cloud is believed to obtain, then by being allocated to this First input module of station terminal inputs the promise to pay amount of money, promises to undertake the day of payment, supplier before described the second of subsidiary Title and the Tax Registration Certificate number of supplier, then first transport module is the promise day of payment, the title of supplier and confession Answer the Bank Account Number Tax Registration Certificate number of business to be sent to the background terminal to be preserved, the cloud letter generation in such background terminal Module just generates the title including the subsidiary, the promise to pay amount of money, promises to undertake the day of payment, the title of supplier, the tax of supplier Business registration card number and the main Yun Xinhe of main cloud letter numbering only include title, the promise to pay amount of money, the promise to pay of the subsidiary With the promise to pay letter for promising to undertake the day of payment, and the main cloud of generation letter and promise to pay letter are returned to the institute for being allocated to the subsidiary Station terminal and it is stored in before stating second in the background terminal, station terminal receives main Yun Xinhou, described second before described second The main cloud letter and promise to pay letter that first transport module of preceding station terminal just receives this, which are sent to, is allocated to the of supplier Station terminal before three, the supplier the 3rd before station terminal the second preserving module just receive main cloud letter and promise to pay Before letter is stored in the 3rd in station terminal, the numbering of the main cloud letter is the unique identifier for identifying the main cloud letter, the main cloud Believe for a kind of electronics acceptance and guarantee voucher, the electronics acceptance and guarantee voucher as in defined promise day of payment subsidiary paying Money promises to undertake that the amount of money repays the voucher that holder is believed to cloud, and the promise to pay amount of money is no more than the available credit volume of the subsidiary Degree；The mode that the main cloud letter is stored in the background terminal is the database that the main cloud letter is stored in the background terminal In；

Step 8：Under conditions of the supplier has cloud letter, the supplier is docked when can be to supplier's assignment of credit Cooperative bank cloud letter be provided realize the assignment of credit, the offer cloud letter is come the method for realizing the assignment of credit：

By being allocated to the supplier the 3rd before the second input module of station terminal input title, the credits of the supplier The cooperative bank docked when the title of the cooperative bank docked when number, supplier's assignment of credit, supplier's assignment of credit Tax Registration Certificate number, the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit, the then supplier The 3rd before station terminal the second transport module the title of the supplier, credits number, supplier's assignment of credit when docked Cooperative bank title, supplier's assignment of credit when docked cooperative bank Tax Registration Certificate number, for the assignment of credit Electronic contract and be sent to the background terminal for the electronic invoice of the assignment of credit and preserved, in such background terminal Cloud letter generation module just generates the cooperation silver docked when the title including the supplier, credits number, supplier's assignment of credit The sub- cloud of the Tax Registration Certificate number for the cooperative bank docked when capable title, supplier's assignment of credit and sub- cloud letter numbering Letter, and it is sent to described the by delivery module the electronic contract for the assignment of credit and for the electronic invoice of the assignment of credit Before five in station terminal by the 4th preserving module the electronic contract for the assignment of credit and the electronic invoice for the assignment of credit Preserved, and by display module be shown in the described 5th before in station terminal, so by examination ＆ verification side to the electricity for the assignment of credit Sub- contract and electronic invoice for the assignment of credit are audited, audit it is errorless after it is by the 3rd transport module that examination ＆ verification is successful Information returns to the background terminal, and the sub- cloud letter and promise to pay letter of the generation are returned to the supplier by the delivery module again The 3rd before station terminal and be stored in the background terminal, station terminal receives sub- cloud letter and promise to pay letter before the described 3rd Afterwards, second input module of station terminal just receives this before the 3rd of the supplier sub- cloud letter, promise to pay letter, it is used for The electronic contract of the assignment of credit and electronic invoice for the assignment of credit, which are sent to when being allocated to supplier's assignment of credit, to be docked Cooperative bank the 4th before station terminal, the 4th foreground for being allocated to the cooperative bank docked during supplier's assignment of credit 3rd preserving module of terminal just the sub- cloud letter received, promise to pay letter, the electronic contract for the assignment of credit and is used for Before the electronic invoice of the assignment of credit is stored in the 4th in station terminal, then auditor audits to the sub- cloud letter, should The legitimacy to examine the authenticity of sub- cloud letter and its holding is audited, and the credits number believed according to the sub- cloud received is to supply Business carries out the assignment of credit, and the numbering of the sub- cloud letter is the unique identifier of the sub- cloud letter of the numbering that mark includes main cloud letter, The sub- cloud letter is a kind of electronics acceptance and guarantee voucher, and the electronics acceptance and guarantee voucher is as in defined promise day of payment confession Answer business credits number repay to it is described be allocated to supplier's assignment of credit when the voucher of cooperative bank that is docked, the credits The promise to pay amount of money on main cloud letter that number possesses no more than the supplier；The sub- cloud letter is stored in the background terminal Mode is that the sub- cloud letter is stored in the database of the background terminal.

6. the method for the service system of according to claim 5 pair of factoring, it is characterised in that be allocated to centre by described Title, adjustment type of the typing module of the background terminal of service provider the subsidiary for the group company that have adjusted available credit volume Amount typing and it is saved in adjustment in the background terminal.

7. the method for the service system of according to claim 5 pair of factoring, it is characterised in that what the group company specified Business is recommended with guarantee for group company in itself or other companies of group for specifying.

8. the method for the service system of according to claim 5 pair of factoring, it is characterised in that the intermediate facilitator is collected The certain proportion of credits number is used as service charge.