CN104732676A - Internet-of-things bank terminal system platform integrating commercial trade and bank financial - Google Patents
Internet-of-things bank terminal system platform integrating commercial trade and bank financial Download PDFInfo
- Publication number
- CN104732676A CN104732676A CN201510152347.2A CN201510152347A CN104732676A CN 104732676 A CN104732676 A CN 104732676A CN 201510152347 A CN201510152347 A CN 201510152347A CN 104732676 A CN104732676 A CN 104732676A
- Authority
- CN
- China
- Prior art keywords
- bank
- business
- internet
- things
- module
- 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.)
- Granted
Links
- 230000008859 change Effects 0.000 claims description 20
- 230000010354 integration Effects 0.000 claims description 20
- 238000007726 management method Methods 0.000 claims description 20
- 238000000034 method Methods 0.000 claims description 11
- 244000046052 Phaseolus vulgaris Species 0.000 claims description 8
- 235000010627 Phaseolus vulgaris Nutrition 0.000 claims description 8
- 230000008569 process Effects 0.000 claims description 5
- 239000011449 brick Substances 0.000 claims description 4
- 235000013305 food Nutrition 0.000 claims description 4
- 239000004570 mortar (masonry) Substances 0.000 claims description 4
- 239000007787 solid Substances 0.000 claims description 4
- 230000009467 reduction Effects 0.000 claims description 3
- 239000002023 wood Substances 0.000 claims 1
- 230000008901 benefit Effects 0.000 abstract description 2
- 238000004321 preservation Methods 0.000 abstract 1
- 241000208140 Acer Species 0.000 description 40
- 238000005516 engineering process Methods 0.000 description 7
- 230000001737 promoting effect Effects 0.000 description 4
- 230000000694 effects Effects 0.000 description 3
- 230000007246 mechanism Effects 0.000 description 2
- 230000006855 networking Effects 0.000 description 2
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 1
- 238000009825 accumulation Methods 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000015572 biosynthetic process Effects 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 230000019771 cognition Effects 0.000 description 1
- 230000003111 delayed effect Effects 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 238000004880 explosion Methods 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 230000004927 fusion Effects 0.000 description 1
- 239000011521 glass Substances 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 239000000155 melt Substances 0.000 description 1
- 238000007493 shaping process Methods 0.000 description 1
- 229910052709 silver Inorganic materials 0.000 description 1
- 239000004332 silver Substances 0.000 description 1
- 230000001360 synchronised effect Effects 0.000 description 1
- 238000011144 upstream manufacturing Methods 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an internet-of-things bank terminal system platform integrating commercial trade and bank financial. A terminal comprises a registering and account opening module, a bank terminal system main page module, a business promotion management module, a backstage management system module, a database encipherment protection module, an internet information release system module, an enterprise member database module, an individual member database module and a promotion item online shopping mall module. The internet-of-things bank terminal system platform integrating commercial trade and bank financial has the advantages that the platform is convenient, available whenever and wherever and free of limitation of time and space; the platform is humanized, natural and reasonable, and meets the daily thinking habit of people; the platform has instantaneity, and operation can be achieved instantly without time delay and capital preservation; safety is achieved, global real name is achieved, and the phenomenon of counterfeit and stealing cannot happen easily; the platform has uniformity, commercial trade and financial one-stop service is achieved, and respective operations do not need to be carried out according to a traditional way.
Description
Technical field
The present invention relates to technology of Internet of things, the Internet of Things banking terminal system platform of particularly commerce and trade and bank finance integration.
Background technology
Internet of Things is the important component part of generation information technology, is also the important development stage in " informationization " epoch.Its English name is: " Internet of things (IoT) ".As its name suggests, Internet of Things is exactly the internet that thing thing is connected.This has the two-layer meaning: one, and core and the basis of Internet of Things remain internet, is the network of extension on Internet basic and expansion; Its two, its user side extend and extend between any article and article, carry out message exchange and communicate, namely thing thing ceases mutually.Internet of Things passes through Intellisense, recognition technology communicates cognition technology with general fit calculation etc., is widely used in the fusion of network, is also therefore called as the third wave of world information industry development after computing machine, internet.
But at present, the current situation of Internet of Things does not have the final complete definite Internet of Things concept definition of formation one, the Internet of Things model website that neither one is shaping; But the development trend of Internet of Things is for everybody to be connected, and thing thing is connected, and is connected everywhere, without not joining; So applicant by this generation information technology application of Internet of Things on the bank field, bank's intelligent terminal version will follow Internet of Things development trend closely, moment stands in the forefront of Intelligent terminal for Internet of things, allow banking terminal also towards everybody, thing thing, everywhere, without the future development do not joined.
In addition, the Internet of Things banking terminal system platform of applicant's commerce and trade of conceiving and bank finance integration.It is a commercial financial conglomerates that solid shop/brick and mortar store businessman, online shopping mall and banking system are integrated.Using the cashier of supermarket and chain store as the Terminal Service platform of bank, building huge bank outlets, go deep into each corner of commercial circle and community, is the numerous common people service of providing convenience of city and rural.By system, the product of bank service and businessman is taken to the ends of the earth, in face of the client delivering to needs.
Summary of the invention
To achieve these goals, the present invention is by the following technical solutions:
The Internet of Things banking terminal system platform of commerce and trade and bank finance integration, described terminal comprises as lower part: banking terminal system platform structure comprises:
(1). determine equivalent, adopt electronic coin system, described electronic coin system comprises silver-colored beans electronic coin system, golden beans electronic coin system, electronics stock system;
(2). registration is opened an account, and registration management system is divided into corporate member to register registering with individual member;
(3). operated client homepage, described client homepage can carry out supermarket shopping and hand over money, and change consumption is deposited in shopping, and advance deposit repeatedly consumes the self-service single point consumption with scene;
(4). the auxiliary page of operated client, the auxiliary page of described client can realize cash or cross card transferring accounts, and individual turns money mutually to individual, and business to business turns money mutually, and B to C turns money mutually;
(5). promotion management, coordinates store with promotion management with on line, and its way to manage is Online Propaganda sales promotion, and short range is immediately sent and taken out consumption, and long-range shopping online express delivery deliver goods is consumed and suscribed to picking in shop on the net;
(6). background management system, described background management system is bank debit and credit, credit, financing and other business;
(7). data base encryption is protected, and ensures the process that fund pool is deposited safely or got;
(8). Publishing System, client's delivery system related news in system;
(9). intelligent commodity inventory control system comprises a key product inventory report, and a key gets goods orders, the upper and lower overload alarm of stock and the typing of purchase of merchandise inventory;
(10). corporate member's database, described corporate member's database is divided into following entry: A. gathering operator message table: the information (multiple operator) recording each cashier; B. archive information of enterprises table: notebook archive information of enterprises; C. commodity price and schedule of quantities: the price list of commodity and inventory amounts in logging system; D. merchandise sales statistical form: the statistical figure of vending articles in logging system; E. account fund balance sheet: notebook enterprise the balance of funding in systems in which; F. Capital Flow statistical form: H. notebook business capital flowing statistical figure;
(11). individual member's database, described individual member's database is divided into following entry: A Profile information table: record individual's archives in detail; B buys inventory table: purchase inventory in notebook system; C commodity consumption statistical form: statistics of purchasing commodities in notebook system; D Capital Flow tablet menu: Capital Flow inventory in notebook system; E Capital Flow statistical form: Capital Flow statistics in notebook system; F account fund balance sheet: record personal account remaining sum;
(12). electronic coin fund pool database is divided into: A individual member the balance of funding table: record individual bankroll remaining sum B individual member Capital Flow tablet menu: record individual bankroll flowing inventory C individual member Capital Flow statistical form: record individual bankroll flowing statistics D corporate member the balance of funding table: record business capital remaining sum E corporate member Capital Flow tablet menu: record business capital flowing inventory F corporate member Capital Flow statistical form: record business capital flowing statistics.
Business prototype innovative part:
(1). Business Innovation Integrated Models, described terminal is a kind of Innovation Integration business prototype that commerce and trade and bank finance are united two into one, the same batch of people, and a place, can complete two parts of business, work efficiency doubles, and cost reduces by half.
(2) innovation implementation scheme model, the enforcement of described terminal banking is embedded businessman's gathering foreground, the service gathering foreground such as supermarket, chain store, hotel, dining room, Shi Za general store, the service foreground of Ye Shi bank.
(3) innovative goals client model: described terminal is the most source (supermarket, hotel etc.) of transaction directly lock onto target client, allows fund flow directly into bank.
(4) business security model is innovated: described terminal is that this mark can be checked by connection to global networks real-time retrieval, raising safety coefficient, and probability is usurped in reduction personation using the ID card of government issued and register of company number one of means as safety identification client.
In described module (1), electronic coin circulation is than being classified as 1: 1.
In described module (2), member registration can be operation license code, I.D., driving license, passport one wherein.
Described module (3) and module (4) are a kind of banking terminal systems embedding businessman's cashier foreground.Operated client homepage and the auxiliary page, embed the gathering foreground of businessman, the gathering foreground of businessman is exactly the foreground, subbranch business hall of bank: the gathering foreground such as supermarket, chain store, hotel, dining room, foreground of still not collecting money, the simultaneously foreground, business hall of Ye Shi bank.Two functions and two are one, save manpower and place.Apply the method that this embeds, bank does not need to offer any branch business hall, and the business of bank just can be made to spread all over global the earth.
The cash consumption comprised in described module (3) gives change for change stored in Account Features, both facilitated businessman change and client carry the loaded down with trivial details of change, accelerate again flowing to of fund pool, simultaneously also for carrying out of banking in module (4) is laid a good foundation.
Described module (3), (4), (5) run on intelligent terminal, and along with the popularization of technology of Internet of things, this banking terminal model is connected towards everybody, thing thing is connected, the Internet of Things boundary that is everywhere connected is close.
The client homepage of described module (3) is divided into food and drink version and supermarket version, and changeable.
The carrier of the shopping online of described module (5) is computer or mobile phone, and to join goods can be express delivery or ask for.
The encryption method of described module (7) selects dynamic password protection.
Described system platform fetch equipment can be bar code or two-dimensional bar code fetch equipment, magnetic stripe card fetch equipment, magnetic stripe card fetch equipment IC-card or ID card fetch equipment one wherein.
Described system platform running environment is Firefox Explorer browser, Windows, Android, Apple operating system.
The invention has the beneficial effects as follows:
1. bank is global bank: the banking terminal system embedding commercial affairs gathering foreground.Bank does not need to offer business hall, any branch, only by the popularization businessman cashier of native system, just can the business development of bank to global any business circles, and the same batch of people, a place, can complete two business together.
2. the identity of Multiple Code identification account holder, government ID card, bar code card, ID card, finger-print cipher, phone number, E-mail address, all-prupose credit card etc. also can be used for identifying account holder's identity, save card and client outside businessman's amount issued and carry the loaded down with trivial details of unnecessary card; The global real name of government's ID card, reduce personation and usurp phenomenon generation, multiple recognition method, brings easy to use to client.
3. between any enterprise and any individual, payment by the transfer of accounts on the inner 7X24 Real-time Network of bank, the internal account transfer of all banks, in real time income immediately.
4. bank is also Community banks, and the business hours facilitate client, and bank embeds the business model of businessman, and the convenience store of community is exactly the business hours of bank the business hours, before class after class and the business hours such as festivals or holidays greatly facilitate client.
5. bank and other banks, turn fund at any time mutually, and the amount of money in bank account can forward other banks to; The amount of money of other banks, also can forward bank to, receipts cash can be changed and automatically be deposited in bank account.Save businessman to change and client carries the loaded down with trivial details of change, accelerate the accumulation in bank capital pond again.
6. bank docks in real time with insurance and finance product, and convenient service client, insurance business and finance product, bank can be client and acts on behalf reason.
7. bank docks in real time with stock and fund, facilitates clients investment, the client of bank, by bank's direct investment stock or fund.
8. bank docks with enterprise, acts on behalf payment for goods and provides salary business, and bank can be enterprise and pays out payment for goods or provide salary.
9. bank docks with venture fund project, acts on behalf investment and financing service, and bank is that investment and financing service is done by enterprise, assists Enterprise Project to obtain and manages loan.
10. the transnational changing money of bank and international remittance, can be the transnational changing money of international travel personage or international remittance.
11. businessman's gathering foregrounds, embedding promotional awards mechanism, is cashier, be again commercial promotions platform, the service of acceptance just opens account, is easy to expand market, it is convenient to promote, and embeds intelligent terminal, and the Internet of Things boundary be connected towards everybody, thing thing is connected, being connected everywhere develops.
12. businessman's gathering foregrounds, embedding promotional awards mechanism, is cashier, be again commercial promotions platform, embed online shopping mall, line is reached the standard grade lower synchronously for commercial promotions are done by businessman, embed the smart mobile phone of client, everybody can do reach the standard grade lower shopping operation and banking of line everywhere and operate.
The hardware carrier of 13. banking terminal inserts networkings: 1) smart mobile phone, 2) intelligence that can surf the Net dresses carrier such as: intelligent watch, pocket-watch, intelligent necklace drop, the intelligent sign fixed to the sides of public transport vehicles showing the route number or terminal, chest card etc.
The effect of insert networking: 1) convenience, whenever and wherever possible, by the restriction of Time and place; 2) hommization, naturally reasonable, to meet people daily thinking habit; 3) property time both, realizes immediately, not free delayed fund retains; 4) security, global real name, personation are usurped phenomenon and are not easily occurred; 5) unitarity, commerce and trade and financial, one-stop service, without the need to operating respectively in a traditional way; 6) standard, uses the standard certificate of government issued, can not issue other card certificates in addition; 7) popularization, joins joint operation, and any corporate member and individual member can join native system according to commercial management regulations, become and join operator.
Accompanying drawing explanation
Fig. 1 block flow diagram of the present invention.
Fig. 2 is bar code or two-dimensional bar code fetch equipment.
Fig. 3 is magnetic stripe card fetch equipment.
Fig. 4 is magnetic stripe card fetch equipment IC-card or ID card fetch equipment.
The bank card that Fig. 5 is and credit card fetch equipment.
Embodiment
Below in conjunction with accompanying drawing, further concrete implementation is done to the present invention:
As shown in Figure 1, there is shown, the Internet of Things banking terminal system platform of commerce and trade and bank finance integration, described system comprises as lower part:
(1). determine equivalent, adopt electronic coin system, described electronic coin system comprises silver-colored beans electronic coin system, golden beans electronic coin system, electronics stock system;
(2). registration is opened an account, and registration management system is divided into corporate member to register registering with individual member;
(3). operated client homepage, described client homepage can carry out supermarket shopping and hand over money, and change consumption is deposited in shopping, and advance deposit repeatedly consumes the self-service single point consumption with scene;
(4). the auxiliary page of operated client, the auxiliary page of described client can realize cash or cross card transferring accounts, and individual turns money mutually to individual, and business to business turns money mutually, and B to C turns money mutually;
(5). promotion management, coordinates online shopping mall with promotion management with solid shop/brick and mortar store under line, and its way to manage is Online Propaganda sales promotion, and short range is immediately sent and taken out consumption, and long-range shopping online express delivery deliver goods is consumed and suscribed to picking in shop on the net;
(6). background management system, described background management system is bank debit and credit, credit, financing and other financing services;
(7). data base encryption is protected, and ensures the process that fund pool is deposited safely or got;
(8). online letter system breath distribution system, client's delivery system related news in system;
(9). intelligent commodity inventory control system comprises a key product inventory report, and a key gets goods orders, the upper and lower overload alarm of stock and the typing of purchase of merchandise inventory;
(10). corporate member's database, described corporate member's database is divided into following entry: A. gathering operator message table: the information (multiple operator) recording each cashier; B. archive information of enterprises table: notebook archive information of enterprises; C. commodity price and schedule of quantities: the price list of commodity and inventory amounts in logging system; D. merchandise sales statistical form: the statistical figure of vending articles in logging system; E. account fund balance sheet: notebook enterprise the balance of funding in systems in which; F. Capital Flow statistical form: H. notebook business capital flowing statistical figure;
(11). individual member's database, described individual member's database is divided into following entry: A Profile information table: record individual's archives in detail; B buys inventory table: purchase inventory in notebook system; C commodity consumption statistical form: statistics of purchasing commodities in notebook system; D Capital Flow tablet menu: Capital Flow inventory in notebook system; E Capital Flow statistical form: Capital Flow statistics in notebook system; F account fund balance sheet: record personal account remaining sum;
(12). electronic coin fund pool database is divided into: A individual member the balance of funding table: record individual bankroll remaining sum B individual member Capital Flow tablet menu: record individual bankroll flowing inventory C individual member Capital Flow statistical form: record individual bankroll flowing statistics D corporate member the balance of funding table: record business capital remaining sum E corporate member Capital Flow tablet menu: record business capital flowing inventory F corporate member Capital Flow statistical form: record business capital flowing statistics.
Business prototype innovative part:
(1). Business Innovation Integrated Models, described terminal is a kind of Innovation Integration business prototype that commerce and trade and bank finance are united two into one, the same batch of people, and a place, can complete two parts of business, work efficiency doubles, and cost reduces by half.
(2) innovation implementation scheme model, the enforcement of described terminal banking is embedded businessman's gathering foreground, the service gathering foreground such as supermarket, chain store, hotel, dining room, Shi Za general store, the service foreground of Ye Shi bank.
(3) innovative goals client model: described terminal is the most source (supermarket, hotel etc.) of transaction directly lock onto target client, allows fund flow directly into bank.
(4) business security model is innovated: described terminal is that this mark can be checked by connection to global networks real-time retrieval, raising safety coefficient, and probability is usurped in reduction personation using the ID card of government issued and register of company number one of means as safety identification client.
In described module (1), electronic coin circulation is than being classified as 1: 1.
In described module (2), member registration can be operation license code, I.D., driving license, passport one wherein.
The client homepage of described module (3) is divided into food and drink version and supermarket version, and changeable.
The carrier of the shopping online of described module (5) is computer or mobile phone, and to join goods can be express delivery or ask for.
The encryption method of described module (7) selects dynamic password protection.
Described system platform fetch equipment can be bar code or two-dimensional bar code fetch equipment, magnetic stripe card fetch equipment, IC-card or ID card fetch equipment one wherein.
Described system platform running environment is Firefox Explorer, Windows, Android, Apple.
Below in conjunction with Feng Lian bank, further implementation is done to the present invention:
Feng Lian bank is the innovation banking system pattern of banking system and businessman's integration.
Feng Lian bank utilizes this system platform or terminal exactly, when between oneself not offering separately any one when branch, allows the service foreground of Feng Lian bank spread all over the world any business circles.Maple connection banking system platform, embed businessman's gathering foreground, make the Feng Lian bank that a global bank service network is maximum together with businessman.
The individual ID card number of government issued is exactly one of your maple connection bank individual account: the ID card that each legal citizen Dou You government of every country provides, and you need not open an account, international Feng Lian bank for you all set your international maple join account.
The corporate number of government registries or business license number are exactly one of your maple connection banking establishments account: without the need to opening an account, and the register of company of legitimate enterprise number or operation license number are exactly the maple connection Bank Account Number of your company.
The gathering foreground of businessman is exactly the foreground, subbranch business hall of Feng Lian bank: the gathering foreground such as supermarket, chain store, hotel, dining room is exactly the foreground, business hall of Feng Lian bank.Consumer sale cashier and bank's foreground integration.Save manpower and place, direct blocked funds source, allow fund flow into Feng Lian bank.
Purchase and consumption hands over money foreground, at any time convenient access small amount change: when client consumes in cash, if change carries inconvenience, can keep the change back to zero money, directly change be joined account stored in maple.Both facilitated client, also facilitated businessman, and also add bank and to keep accounts volume.Stored in the change amount of money of maple connection account, can draw at any time or consume.
On-the-spot repeat frequent consumption, pay a bill: such as in bar, a whole night, customer consumption bought wine 5 times without the need to each card of crossing, he need not each credit card or bank card pay a bill.Cross card and once estimate that consumption is how many, be prestored in maple connection account, when wine is bought in each consumption, sweep lower ID just passable.Left fund can be return in credit card or bank card, also can stay in maple connection account and use from now on.Both facilitate client, turn increase the chance of the volume that keeps accounts in advance.
Feng Lian bank brings consumption preferential to client, client is happy to become member: because Feng Lian bank is the outstanding pattern bank embedding merchant service platform, businessman and bank are integrated, and the preferential sales promotion of businessman is directly to economical to member, and client is happy to add this member very much.
Without the need to initiatively opening account, accepting maple connection bank transfer gathering and just having opened account immediately: your account is exactly your No. ID, government, accepts to transfer accounts gathering, and your account is just open-minded.Enterprise account is also like this.
The member of Feng Lian bank is also manager, the popularization business of Ye Shifenglian bank, participates in promoting and just acquires an advantage: the member of Feng Lian bank, to individual or the enterprise's accounting payment of not opening maple connection account, just open their account, just serve the effect promoting Feng Lian bank.And Extension Model is designed with interests and is given to promoter, everybody is encouraged to go to promote Feng Lian bank.Who assists management the client of whose popularization, so member is also manager.
Feng Lian bank member is also shareholder, and member concludes the business Feng Lian bank internal-certificates at any time: accept member's clients investment Feng Lian bank internal-certificates, allow member also become shareholder, develop with the phychology participating banks of owner.
Feng Lian bank is businessman locking client: the client of Lai Fenglian corporate member unit consumption, having opened maple connection account, having some money to be present in here, being bound to consume again once consuming.Like this viscosity locked client for businessman.
Feng Lian bank is that businessman brings customers: once businessman member has opened maple connection account, shops of retail shop puts up the label accepting maple connection and pay, and most individual member can be ready to carry out the consumption of this member businessman.So just for businessman brings a collection of customers.
Feng Lian bank is that businessman's line is reached the standard grade lower synchronous sales promotion, for trade company member increases economic efficiency: Feng Lian bank is still payment services not, also for corporate member has prepared maple connection store, product is allowed to move in store, the sales promotion while that enterprise of side line being reached the standard grade lower, increases sales volume, increases economic efficiency.
Feng Lian bank assists enterprise to make industrial chain: all corporate members entering maple connection store, all can be willing to that being intended to the inner member unit in store finds the believable upstream and downstream partner of high-quality, just constitutes industrial chain naturally.
Feng Lian bank carries out omnidistance third party's trade payment for goods guarantee: be the payment for goods of international trade third party guarantees, increases trade credit worthiness.From kinds of goods dispatch from the factory kinds of goods enter buy business warehouse check and accept, omnidistance kinds of goods and payment for goods guarantee.
Feng Lian bank is nuclear explosion formula market expansion scheme, and market outlook are fine: a single member develops a supermarket as corporate member.The thousands of individual member carrying out supermarket shopping is developed again in this supermarket.The effect of market business pattern and economic interests, this thousands of individual member actively goes again to develop thousands of the businessman such as supermarket or chain store members.Member's quantity of going down like this will geometric growth, so the prospect of Feng Lian bank is inestimable.Feng Lian bank will become the maximum commerce and trade financial conglomerates in global service site.
Be below the hardware device of terminal use:
1. government ID card personal information fetch equipment: for reading the ID card personal information of government issued, with this information identification maple connection bank individual membership.The ID card that country variant and province are issued is different, usually needs following fetch equipment:
Bar code or two-dimensional bar code fetch equipment (Fig. 2);
Magnetic stripe card fetch equipment (Fig. 3);
Magnetic stripe card fetch equipment IC-card or ID card fetch equipment (Fig. 4);
2. bank card and credit card fetch equipment (Fig. 5): for fund is forwarded to maple connection bank account from the bank card of individual or credit card;
3. Feng Lian bank ID card fetch equipment: the same with ID card reader above, reads a kind of ID card that Feng Lian bank issues to individual client;
4. numeric keypad Password Input specialized equipment: join banking system input account number cipher for client Xiang Feng;
5. finger-print cipher fetch equipment: for reading finger-print cipher, identification account holder identity;
6. bill printer specialized equipment: for exporting the printed tickets of client;
The large, medium and small terminal of hardware environment: A needed for maple connection banking system platform, B small table computer, C notebook computer, D panel computer, E smart mobile phone, other intelligent equipments for surfing the net of F.
Software environment needed for maple connection banking system platform:
Firefox Explorer: the device that surfs the web of specifying
Windows: computer system running environment
Android: Android Series Intelligent equipment operating environment
Apple: Apple Computers series or apple smart mobile phone running environment
One. maple connection bank electronic coin system
Silver beans electronic coin system, exchanges arbitrarily with market circulation coin 1: 1;
Gold beans electronic coin system, with market circulation coin 1: 1, but can not gain market coin, consume only
Maple connection electronics stock system, rewards sales promotion system, gives maple community of stock ticket.Sell future, Feng Lian listed stock is just valuable.
Two. registration management system
Corporate member registers, and creates and logs in office worker ID, operation license code ID, typing Product Price List, creates maple connection bank account;
Individual member registers, and creates maple connection bank account ID, such as: driving license bar code, maple connection bar code card, ID card.
Three, maple connection bank client homepage, gathering interface, system works stays in this interface often;
Supermarket shopping cashier's counter, food and drink version and supermarket version, two versions any switching laws at any time;
Change consumption is deposited in shopping, and supermarket shopping, gives change for change stored in account, can open an account immediately by scans I D without account;
Advance deposit is repeatedly consumed, and at bar credit card stored in account 100 yuan, often buys 5 yuan, a Glass Of Wine account button, need not brush credit card at every turn;
On-the-spot self-service single point consumption, to order payment voluntarily at dining room mobile phone, and kitchen is seen and being carried out, and waiter delivers on dining table.
Four, the auxiliary page of maple connection bank client
Cash or excessively card are transferred accounts, at maple connection bank client, stored in producing operation.The person that do not open an account can open an account by rapid scanning; Individual turns money mutually to individual; Business to business turns money mutually; B to C turns money mutually, and any equipment online, transfers accounts mutually; If the other side does not open an account, a receipt on account is with regard to the system of entering of automatically opening an account.
Five. maple connection store line coordinates promotion management
Feng Lian online shopping mall, solid shop/brick and mortar store businessman Online Propaganda sales promotion under line of engagement.Client in maple contact system and businessman's resource total system are shared, and are convenient to for businessman's sales promotion.
Short range is immediately sent and is taken out consumption, and in maple contact system, open surfing Internet with cell phone and order takeaway, the stipulated time is delivered to;
Long-range shopping online express delivery deliver goods consumption, the shopping online at any time of computer, mobile phone, express delivery deliver goods;
Suscribe to picking in shop on the net, in maple contact system, in online division payment, picking in shop.
Six. Feng Lian bank background management system
The debt-credit of maple connection enterprise bank, has fund to retain enterprise, borrows or lends money to demand fund enterprise;
The credit of maple connection enterprise bank, maple connection enterprise bank has huge cash flow, can apply for credit, borrow to enterprise to state bank;
Maple connection enterprise bank financing, melts idle money in collecting system, helps member enterprise to solve the problem that lacks of capital;
Other business of maple connection enterprise bank, use market finance method, assist member's development in native system.
Seven. data base encryption is protected
Fund pool storage/access process, only has the dedicated process that this is encrypted, and just can access fund pool data, available protecting fund pool database security;
Data base encryption is protected, and the protection of maple interlock state code encryption, anti-hackers is attacked.
Eight. Feng Lian bank is letter system breath distribution system on the net
Information issuing system, in system, client issues maple contact system related news.
Nine. intelligent commodity inventory control system;
One key product inventory report;
One key gets goods orders, and order goods is stocked up;
The upper and lower overload alarm of stock, the too high or too low warning of commodity stocks amount;
Purchase of merchandise inventory typing: quantities of inventory is entered in system.
Ten. Database Systems
Corporate member's database, described corporate member's database is divided into following entry: A. gathering operator message table: the information (multiple operator) recording each cashier; B. archive information of enterprises table: notebook archive information of enterprises; C. commodity price and schedule of quantities: the price list of commodity and inventory amounts in logging system; D. merchandise sales statistical form: the statistical figure of vending articles in logging system; E. account fund balance sheet: notebook enterprise the balance of funding in systems in which; F. Capital Flow statistical form: H. notebook business capital flowing statistical figure;
Individual member's database, described individual member's database is divided into following entry: A Profile information table: record individual's archives in detail; B buys inventory table: purchase inventory in notebook system; C commodity consumption statistical form: statistics of purchasing commodities in notebook system; D Capital Flow tablet menu: Capital Flow inventory in notebook system; E Capital Flow statistical form: Capital Flow statistics in notebook system; F account fund balance sheet: record personal account remaining sum;
Electronic coin fund pool database is divided into: A individual member the balance of funding table: record individual bankroll remaining sum B individual member Capital Flow tablet menu: record individual bankroll flowing inventory C individual member Capital Flow statistical form: record individual bankroll flowing statistics D corporate member the balance of funding table: record business capital remaining sum E corporate member Capital Flow tablet menu: record business capital flowing inventory F corporate member Capital Flow statistical form: record business capital flowing statistics.
Above content is in conjunction with concrete optimal technical scheme to further description of the present invention, but is not for limiting the present invention.For the technical field belonging to the present invention or those of ordinary skill, under or else departing from the prerequisite of the present invention's design, can make possible variation and amendment, the scope that therefore protection scope of the present invention should define with the claims in the present invention is as the criterion.
Claims (10)
1. the Internet of Things banking terminal system platform of commerce and trade and bank finance integration, it is characterized in that, described terminal comprises as lower module:
(1). determine equivalent, adopt electronic coin system, described electronic coin system comprises silver-colored beans electronic coin system, golden beans electronic coin system, electronics stock system;
(2). registration is opened an account, and registration management system is divided into corporate member to register registering with individual member;
(3). operated client homepage, described client homepage can carry out purchase and consumption and hand over money and service location to hand over money, shopping or the remaining change of service friendship money can automatically stored in account (remove from and give change for change and carry the loaded down with trivial details of change), and advance deposit repeatedly consumes self-service single point consumption, self-checkout with scene;
(4). the auxiliary page of operated client, the auxiliary page of described client can realize cash or cross card transferring accounts, and individual turns money mutually to individual, and business to business turns money mutually, and B to C turns money mutually;
(5). promotion management, coordinates online shopping mall with promotion management with solid shop/brick and mortar store under line, and its way to manage is Online Propaganda sales promotion, and short range is immediately sent and taken out consumption, and long-range shopping online express delivery deliver goods is consumed and suscribed to picking in shop on the net;
(6). background management system, described background management system is bank debit and credit, credit, financing and other financing services;
(7). data base encryption is protected, and ensures the process that fund pool is deposited safely or got;
(8). Publishing System, client's delivery system related news in system;
(9). intelligent commodity inventory control system comprises a key product inventory report, and a key gets goods orders, the upper and lower overload alarm of stock and the typing of purchase of merchandise inventory;
(10). corporate member's database, described corporate member's database is divided into following entry:
A. gathering operator message table: the information (multiple operator) recording each cashier;
B. archive information of enterprises table: notebook archive information of enterprises;
C. commodity price and schedule of quantities: the price list of commodity and inventory amounts in logging system;
D. merchandise sales statistical form: the statistical figure of vending articles in logging system;
E. account fund balance sheet: record wooden enterprise the balance of funding in systems in which;
F. Capital Flow statistical form:
H. notebook business capital flowing statistical figure;
(11). individual member's database, described individual member's database is divided into following entry:
A Profile information table: record individual's archives in detail;
B buys inventory table: purchase inventory in notebook system;
C commodity consumption statistical form: statistics of purchasing commodities in notebook system;
D Capital Flow tablet menu: Capital Flow inventory in notebook system;
E Capital Flow statistical form: Capital Flow statistics in notebook system;
F account fund balance sheet: record personal account remaining sum;
(12). electronic coin fund pool database is divided into:
A individual member the balance of funding table: record individual bankroll remaining sum;
B individual member Capital Flow tablet menu: record individual bankroll flowing inventory;
C individual member Capital Flow statistical form: record individual bankroll flowing statistics;
D corporate member the balance of funding table: record business capital remaining sum;
E corporate member Capital Flow tablet menu: record business capital flowing inventory;
F corporate member Capital Flow statistical form: record business capital flowing statistics.
2. the Internet of Things banking terminal system platform of commerce and trade according to claim 1 and bank finance integration, is characterized in that, described terminal also comprises the innovation of following business prototype:
(1). Business Innovation Integrated Models, described terminal is a kind of Innovation Integration business prototype that commerce and trade and bank finance are united two into one, the same batch of people, and a place, can complete two parts of business.
(2) innovation implementation scheme model, the enforcement of described terminal banking is embedded businessman's gathering foreground, the service gathering foreground such as supermarket, chain store, hotel, dining room, Shi Za general store, the service foreground of Ye Shi bank.
(3) innovative goals client model: described terminal is the most direct lock onto target client in source in transaction, allows fund flow directly into bank.
(4) business security model is innovated: described terminal is that this mark can be checked by connection to global networks real-time retrieval, raising safety coefficient, and probability is usurped in reduction personation using the ID card of government issued and register of company number one of means as safety identification client.
3. the Internet of Things banking terminal system platform of commerce and trade according to claim 1 and bank finance integration, is characterized in that: in described module (1), electronic coin circulation is than being classified as 1: 1.
4. the Internet of Things banking terminal system platform of commerce and trade according to claim 1 and bank finance integration, it is characterized in that: in described module (2), member registration account can be business license number, ID (identity number) card No., licence number, passport number one wherein.
5. the Internet of Things banking terminal system platform of commerce and trade according to claim 1 and bank finance integration, it is characterized in that: the client homepage of described module (3) is divided into food and drink version and supermarket version, computerized version and mobile phone version, Chinese edition and English edition, and version wood can be switched at any time.
6. the Internet of Things banking terminal system platform of commerce and trade according to claim 1 and bank finance integration, is characterized in that: described module (3) and module (4) are a kind of banking terminal systems embedding businessman's cashier foreground.
7. the Internet of Things banking terminal system platform of commerce and trade according to claim 1 and bank finance integration, is characterized in that: the carrier of the shopping online of described module (5) is computer or mobile phone, and to join goods can be express delivery or ask for.
8. the Internet of Things banking terminal system platform of commerce and trade according to claim 1 and bank finance integration, is characterized in that: the encryption method of described module (7) selects dynamic password protection.
9. the Internet of Things banking terminal system platform of commerce and trade according to claim 1 and bank finance integration, it is characterized in that: described system platform fetch equipment can be bar code or two-dimensional bar code fetch equipment, magnetic stripe card fetch equipment, fingerprint reading systems, IC-card or ID card fetch equipment one wherein.
10. the Internet of Things banking terminal system platform of commerce and trade according to claim 1 and bank finance integration, is characterized in that: described system platform running environment is Firefox Explorer browser, Windows, Android, Apple operating system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510152347.2A CN104732676B (en) | 2015-04-01 | 2015-04-01 | Commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510152347.2A CN104732676B (en) | 2015-04-01 | 2015-04-01 | Commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN104732676A true CN104732676A (en) | 2015-06-24 |
| CN104732676B CN104732676B (en) | 2018-07-27 |
Family
ID=53456540
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510152347.2A Active CN104732676B (en) | 2015-04-01 | 2015-04-01 | Commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104732676B (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107958372A (en) * | 2017-11-22 | 2018-04-24 | 中国银行股份有限公司 | Whole paper money keeps accounts method, apparatus, storage medium and equipment |
| CN108257051A (en) * | 2018-01-16 | 2018-07-06 | 福建省农村信用社联合社 | A kind of driving training system based on bank's regional characteristic business and electronic account |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2002013120A1 (en) * | 2000-08-08 | 2002-02-14 | Euronet Services, Inc. | Multifunctional mobile banking system |
| CN1851742A (en) * | 2006-02-07 | 2006-10-25 | 郭建军 | Fingerprint member reward consumption system |
| CN101329793A (en) * | 2008-07-30 | 2008-12-24 | 中国网通集团宽带业务应用国家工程实验室有限公司 | Method and system for processing electric currency information |
| CN102332136A (en) * | 2011-09-19 | 2012-01-25 | 广东易通网络科技有限公司 | a shopping system |
| CN103226777A (en) * | 2013-03-15 | 2013-07-31 | 曹征 | Interactive platform for paid advertisements |
-
2015
- 2015-04-01 CN CN201510152347.2A patent/CN104732676B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2002013120A1 (en) * | 2000-08-08 | 2002-02-14 | Euronet Services, Inc. | Multifunctional mobile banking system |
| CN1851742A (en) * | 2006-02-07 | 2006-10-25 | 郭建军 | Fingerprint member reward consumption system |
| CN101329793A (en) * | 2008-07-30 | 2008-12-24 | 中国网通集团宽带业务应用国家工程实验室有限公司 | Method and system for processing electric currency information |
| CN102332136A (en) * | 2011-09-19 | 2012-01-25 | 广东易通网络科技有限公司 | a shopping system |
| CN103226777A (en) * | 2013-03-15 | 2013-07-31 | 曹征 | Interactive platform for paid advertisements |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107958372A (en) * | 2017-11-22 | 2018-04-24 | 中国银行股份有限公司 | Whole paper money keeps accounts method, apparatus, storage medium and equipment |
| CN108257051A (en) * | 2018-01-16 | 2018-07-06 | 福建省农村信用社联合社 | A kind of driving training system based on bank's regional characteristic business and electronic account |
Also Published As
| Publication number | Publication date |
|---|---|
| CN104732676B (en) | 2018-07-27 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| KR102103931B1 (en) | Method and system for managing payment and document computing using identifiable tags and artificial intelligence | |
| US20130041814A1 (en) | Method for Issuing and Managing Debit Gift Card Accounts | |
| CN104781841A (en) | Methods and systems for facilitating mobile device payments using codes and cashback business model | |
| EP2592588A1 (en) | Electronic transaction and logistics system | |
| CN108205777A (en) | It is a kind of to be sold system of sharing in the benefit | |
| CN101542513A (en) | Staged transaction system for mobile commerce | |
| CN106651434A (en) | Membership financial service management system | |
| CN107545336A (en) | A retailer based on B2C platforms be out of the line industry solve system | |
| TWI598837B (en) | Shopping system | |
| Sadekin et al. | Effect of e-banking on banking sector of Bangladesh | |
| CN107292652A (en) | A kind of the whole network marketing type store solution system | |
| CN102789595A (en) | Booking processing flow | |
| CN104732676B (en) | Commerce and trade and the integrated Internet of Things banking terminal system platform of bank finance | |
| CN102722808A (en) | Payment system | |
| CN107403330A (en) | A kind of multi-user's E-shop system of B2B2C patterns | |
| Shaikh | E-commerce business models in ethiopian market: challenges and scope | |
| Tejić et al. | Payment methods in vending machines | |
| Okafor | Electronic banking and entrepreneurial development in Nigeria | |
| CN104680362A (en) | Method of using noble metal to go shopping through communication network | |
| Yazici | The impact of COVID-19 on payment systems in Turkey | |
| CN107516233A (en) | A kind of the whole network marketing type on-line shop solves method | |
| CN107403350A (en) | A kind of electric business the whole network wirelessly distributes store system and method | |
| CN112232918A (en) | Intelligent network coffee system | |
| Kingston | Representing, reasoning and predicting fraud using fraud plans | |
| TWM596912U (en) | Cloud payment online and offline transaction device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |