CN204731835U - Accumulative and the credit platform of consumer credit integration in a kind of transaction - Google Patents
Accumulative and the credit platform of consumer credit integration in a kind of transaction Download PDFInfo
- Publication number
- CN204731835U CN204731835U CN201520349543.4U CN201520349543U CN204731835U CN 204731835 U CN204731835 U CN 204731835U CN 201520349543 U CN201520349543 U CN 201520349543U CN 204731835 U CN204731835 U CN 204731835U
- Authority
- CN
- China
- Prior art keywords
- credit
- user
- consumption
- unionpay
- unit
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn - After Issue
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The utility model relates to the accumulative and credit platform of consumer credit integration in a kind of transaction, and comprise consumption user end, consumption user end comprises the credit Unionpay points account of consumption user; There is provided user side, providing user side to comprise provides the credit Unionpay points account of user; Transaction end, trading card produces end, data extracting unit, and bank transaction data center systems comprises integral and calculating unit, record storage unit, payment unit; Record storage unit, credit services management system data center comprises credit unit, and the credit Unionpay points account of above-mentioned consumption user is all dock the rear unified credit Unionpay accumulating card issued by bank transaction data center systems and credit services management system data center complex with providing the credit Unionpay points account of user.The utility model provides integration data record for consumer, again for businessman provides credit data record, makes each citizen obtain credit after total mark of consumption accumulation, businessman is increased by the accrediting amount.
Description
Technical field
The utility model belongs to the field of data processing systems of business, finance, more specifically, relates to the accumulative and credit platform of consumer credit integration in a kind of transaction.
Background technology
Clearly propose " to strengthen government affairs sincere about the notice and party eighteen major report printing and distributing establishment of social credit system planning outline according to State Council, commercial affairs are sincere, society is sincere and the administration of justice is public believes construction ", therefore domestic credit System Construction develop rapidly, be gradually improved, but in many aspects, existing credit system also comes with some shortcomings, such as: citizen's credit system coverage rate is low, rural area citizen, without steady job personnel, can not get credit power, the general accrediting amount of businessman is on the low side, seriously constrain citizen in daily life, the developing normal economic activity of national economic development, when citizen accepts businessman in consumption, enterprise gives and returns sharp integration, major part is all a company or businessman one card, gives in the activity of accumulating card, can carry various accumulating cards during consumer spending, bring great inconvenience to client in numerous businessman.
Summary of the invention
The purpose of this utility model is, for above-mentioned defect, accumulative and the credit platform of consumer credit integration in a kind of transaction is provided, credit score data can be provided for credit services system, be consumer and provide integration data record, again for credit data record has done in businessman, it can obtain credit by each citizen after total mark of consumption accumulation, and businessman is increased by the accrediting amount.
The technical solution of the utility model is as follows:
An accumulative and credit platform for consumer credit integration in transaction, comprising:
At least one consumption user end, each described consumption user end comprises the credit Unionpay points account of at least one consumption user;
At least one provides user side, provide user side to comprise described in each credit Unionpay points account that at least one provides user;
At least one end of concluding the business, each described transaction end comprises settlement of transactions interface, identity validation unit;
Wherein: described settlement of transactions interface is used for user and completes settlement of transactions; Described identity validation unit and user side communication, for confirming the account information of user identity and extraction user;
At least one trading card produces end, and each described trading card produces end and comprises trading card generation unit;
Wherein: described trading card generation unit and described clearing interface and identity validation unit communications, for generation of the trading card that the user and described settlement of transactions interface phase with described confirmation status is correlated;
Data extracting unit, communicates with trading card generation unit, for extracting the information in described trading card;
Bank transaction data center systems comprises integral and calculating unit, record storage unit, payment unit;
Wherein: described integral and calculating unit, total mark of consumption concrete between user with consumption user is provided for calculating according to the agreement provided between user with consumption user and calculates according to the total mark of consumption information imported the credit score providing user to be associated;
Described record storage unit, provides user to import the remittance information of described consumption user total mark of consumption for recording to store;
The credit Unionpay points account of described payment unit and described integral and calculating unit, described consumption user, described in provide the credit Unionpay points account of user to communicate, for described total mark of consumption is imported the described consumption user be associated credit Unionpay points account in and described credit score imported be associated described in provide in the credit Unionpay points account of user;
Credit services management system data center comprises credit unit, described credit services management system data center and described bank transaction data center systems communicate, and improve corresponding described consumption user and the described accrediting amount providing user for the amount according to the total mark of consumption of described consumption user and the credit score of the described user of providing;
The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the described user of providing are all unified credit Unionpay accumulating cards issued after being docked by described bank transaction data center systems and described credit services management system data center complex.
The beneficial effects of the utility model: the utility model can improve credit coverage rate, it is by the businessman of enterprise that holds, the credit score bulk registration of citizen, each citizen can be made to have by the qualification of credit, credit coverage rate is made to reach 100%, accumulated by the savings of credit score, and obtain credit, make Chinese citizen in the middle of current consumption, naturally just obtain credit qualification, the accumulative growth that each citizen of holding can also be made can be saved by total mark of consumption and have credit card, make all civic participations wherein, and under credit system safeguards help, obtain self-confident and growth living guarantee.
The raising of credit coverage rate; make separated letter personnel without living space; promote the normal fast development of stake holder economy environment; meanwhile also protect consumer's interests; facilitate consumer again, further promote the sale of businessman, the unified credit system of joining of amount input of integration is given in this consumption; then the integration that utilization consumption is given carries out bank, insurance financing, and in order to promote, economy industrial chain is steady, fast development serves great facilitation.
Accompanying drawing explanation
Fig. 1 realizes the accumulative and credit platform of consumer credit integration and the structure distribution index map of method in a kind of transaction that the utility model relates to;
Fig. 2 is the structural representation of the credit Unionpay accumulating card pros and cons that the utility model relates to.
Embodiment
Below in conjunction with embodiment and accompanying drawing, embodiment of the present utility model is described in further detail:
As shown in Figure 1, the accumulative and credit platform of consumer credit integration in a kind of transaction, comprising: at least one consumption user end 1, each consumption user end 1 comprises the credit Unionpay points account of at least one consumption user; At least one provides user side 2, each provide user side 2 to comprise credit Unionpay points account that at least one provides user; At least one end 3 of concluding the business, each transaction end comprises settlement of transactions interface 4, identity validation unit 5; Wherein: settlement of transactions interface 4 completes settlement of transactions for user; Identity validation unit 5 and user side communication, for confirming the account information of user identity and extraction user; At least one trading card produces end 6, and each trading card produces end and comprises trading card generation unit 7; Wherein: trading card generation unit 7 and clearing interface 4 and identity validation unit 5 communication, for generation of the trading card that the user and settlement of transactions interface phase with confirmation status is correlated; Data extracting unit 8, communicates with trading card generation unit 7, for extracting the information in trading card; Bank transaction data center systems 9 comprises integral and calculating unit 10, record storage unit 11, payment unit 12; Wherein: integral and calculating unit 9, total mark of consumption concrete between user with consumption user is provided for calculating according to the agreement provided between user with consumption user and calculates according to the total mark of consumption information imported the credit score providing user to be associated; Record storage unit 10, provides user to import the remittance information of described consumption user total mark of consumption for recording to store; The credit Unionpay points account of payment unit 12 and integral and calculating unit 10, consumption user, provide the credit Unionpay points account of user to communicate, for total mark of consumption is imported the consumption user be associated credit Unionpay points account in and credit score remittance is associated provide in the credit Unionpay points account of user; Credit services management system data center 13 comprises credit unit 14, credit services management system data center 13 and bank transaction data center systems 9 communicate, for according to the total mark of consumption of consumption user with provide the amount of the credit score of user to improve corresponding consumption user and the accrediting amount providing user.
The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the described user of providing be all by bank transaction data center systems 9 and credit services management system data center 13 combine dock after the unified credit Unionpay accumulating card issued, shown in a, b of seeing Fig. 2.
The front of this card is printed on issued by banks unit and bank's card number and integration card number, and reverse side includes name and identification card number, and identity card picture, is printed with service unit simultaneously and supervises unit bottom card.
Consumption user can log at internet credit services management system platform, enters credit services management system data center systems, inputs oneself account and password can inquire about integration information.
There is provided user can log at internet credit services management system platform, enter credit services management system data center systems, input oneself account and password can inquire about integration information.
The utility model improves credit coverage rate; make separated letter personnel without living space; promote the normal fast development of stake holder economy environment; meanwhile also protect consumer's interests; facilitate consumer again, further promote the sale of businessman, the unified credit system of joining of amount input of integration is given in this consumption; then the integration that utilization consumption is given carries out bank, insurance financing, and in order to promote, economy industrial chain is steady, fast development serves great facilitation.
Claims (1)
1. the accumulative and credit platform of consumer credit integration in transaction, is characterized in that, comprising:
At least one consumption user end, each described consumption user end comprises the credit Unionpay points account of at least one consumption user;
At least one provides user side, provide user side to comprise described in each credit Unionpay points account that at least one provides user;
At least one end of concluding the business, each described transaction end comprises settlement of transactions interface, identity validation unit;
Wherein: described settlement of transactions interface is used for user and completes settlement of transactions; Described identity validation unit and user side communication, for confirming the account information of user identity and extraction user;
At least one trading card produces end, and each described trading card produces end and comprises trading card generation unit;
Wherein: described trading card generation unit and described clearing interface and identity validation unit communications, for generation of the trading card that the user and described settlement of transactions interface phase with described confirmation status is correlated;
Data extracting unit, communicates with trading card generation unit, for extracting the information in described trading card;
Bank transaction data center systems comprises integral and calculating unit, record storage unit, payment unit;
Wherein: described integral and calculating unit, total mark of consumption concrete between user with consumption user is provided for calculating according to the agreement provided between user with consumption user and calculates according to the total mark of consumption information imported the credit score providing user to be associated;
Described record storage unit, provides user to import the remittance information of described consumption user total mark of consumption for recording to store;
The credit Unionpay points account of described payment unit and described integral and calculating unit, described consumption user, described in provide the credit Unionpay points account of user to communicate, for described total mark of consumption is imported the described consumption user be associated credit Unionpay points account in and described credit score imported be associated described in provide in the credit Unionpay points account of user;
Credit services management system data center comprises credit unit, described credit services management system data center and described bank transaction data center systems communicate, and improve corresponding described consumption user and the described accrediting amount providing user for the amount according to the total mark of consumption of described consumption user and the credit score of the described user of providing;
The credit Unionpay points account of above-mentioned consumption user and the credit Unionpay points account of the described user of providing are all unified credit Unionpay accumulating cards issued after being docked by described bank transaction data center systems and described credit services management system data center complex.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201520349543.4U CN204731835U (en) | 2015-05-27 | 2015-05-27 | Accumulative and the credit platform of consumer credit integration in a kind of transaction |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201520349543.4U CN204731835U (en) | 2015-05-27 | 2015-05-27 | Accumulative and the credit platform of consumer credit integration in a kind of transaction |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN204731835U true CN204731835U (en) | 2015-10-28 |
Family
ID=54390170
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201520349543.4U Withdrawn - After Issue CN204731835U (en) | 2015-05-27 | 2015-05-27 | Accumulative and the credit platform of consumer credit integration in a kind of transaction |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN204731835U (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104966207A (en) * | 2015-05-27 | 2015-10-07 | 李观升 | Trading consumption credit point accumulation and credit extension platform and method |
| WO2017128367A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Data acquisition method for credit card bonus point monitoring technology, and prompting system |
-
2015
- 2015-05-27 CN CN201520349543.4U patent/CN204731835U/en not_active Withdrawn - After Issue
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104966207A (en) * | 2015-05-27 | 2015-10-07 | 李观升 | Trading consumption credit point accumulation and credit extension platform and method |
| CN104966207B (en) * | 2015-05-27 | 2018-05-15 | 李观升 | Accumulative and credit platform and the method that consumer credit integrates in a kind of transaction |
| WO2017128367A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Data acquisition method for credit card bonus point monitoring technology, and prompting system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Mugambi et al. | Mobile-money benefits and usage: The case of M-PESA | |
| Singhal et al. | The significance and performance of infrastructure in India | |
| CN101256645A (en) | Integration burgher card system and setting method | |
| WO2020088175A1 (en) | Transaction method and device for business account | |
| Pope et al. | Mobile payments: The reality on the ground in selected Asian countries and the United States. | |
| CN105160376B (en) | A kind of intelligent collected books system and its application method towards cloud storage | |
| CN104050548A (en) | System and method for work attendance management | |
| CN108876429A (en) | Integral based on block chain circulates platform and method | |
| CN102708458A (en) | Enterprise purchase management system | |
| CN204731835U (en) | Accumulative and the credit platform of consumer credit integration in a kind of transaction | |
| CN104966207B (en) | Accumulative and credit platform and the method that consumer credit integrates in a kind of transaction | |
| CN201535920U (en) | Electronic third-party income and payment settlement system | |
| Ghosh | The agent in a transformational m-banking ecosystem: interface or intermediary? | |
| Iwasaki | Emergence of Fintech Companies in Southeast Asia—Rising Hopes of a Solution to Financial Issues | |
| CN202720686U (en) | Accumulated consumption point management system | |
| CN102663460A (en) | Universal integrated card system and work method thereof | |
| CN205427927U (en) | Client management system | |
| Murugun | Technology Adoption in Indian Banking Sectors–2023 | |
| CN103577980A (en) | Wireless payment change returning system and corresponding method | |
| CN106251126A (en) | Traffic all-purpose card move transaction method and system | |
| CN107025545A (en) | A kind of transaction processing method and transaction system | |
| CN204965615U (en) | Self-service terminal equipment with bankbook depositing and withdrawing functions | |
| CN107612816A (en) | A kind of intellectual property industry customer exchanges management system | |
| CN104217289A (en) | A method and a system for managing campus carbon footprints based on NFC | |
| CN104574181B (en) | A kind of cash in banks system for self-employed businessman |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| AV01 | Patent right actively abandoned |
Granted publication date: 20151028 Effective date of abandoning: 20180515 |
|
| AV01 | Patent right actively abandoned |