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CN108985746A - A kind of credit purchase machine system and method based on big data technology - Google Patents

A kind of credit purchase machine system and method based on big data technology Download PDF

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Publication number
CN108985746A
CN108985746A CN201810717672.2A CN201810717672A CN108985746A CN 108985746 A CN108985746 A CN 108985746A CN 201810717672 A CN201810717672 A CN 201810717672A CN 108985746 A CN108985746 A CN 108985746A
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CN
China
Prior art keywords
credit
user
big data
machine
purchases
Prior art date
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Pending
Application number
CN201810717672.2A
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Chinese (zh)
Inventor
魏艳
叶贤文
杨程介
胡红军
蒋冬晴
刘付刚
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Beijing Integral Time Technology Co Ltd
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Beijing Integral Time Technology Co Ltd
Priority date (The priority date 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 date listed.)
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Publication date
Application filed by Beijing Integral Time Technology Co Ltd filed Critical Beijing Integral Time Technology Co Ltd
Priority to CN201810717672.2A priority Critical patent/CN108985746A/en
Publication of CN108985746A publication Critical patent/CN108985746A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0224Discounts or incentives, e.g. coupons or rebates based on user history
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0609Buyer or seller confidence or verification

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a kind of, and the credit based on big data technology purchases machine system and method, machine system is purchased including credit and credit purchases machine method, the credit purchases machine system: integral epoch joint communication enterprise, financial institution, what marketing platform was made jointly a offers a loan the project of machine of purchasing on the basis of big data technology for the good client of credit standing, this project is intended to by way of cooperation, by communication enterprise, financial institution and marketing platform fusion are got up, guidance user directly uses credit line loan purchase mobile phone and contract set meal in marketing platform, to reach common marketing, the purpose of win-win progress;In the present invention, process on pure line, bargain link is reduced, is saved the time that solid shop/brick and mortar store under user's line purchases type, transaction cost is reduced, credit step is brief, user's input information is few, and user is assessed by the big data on backstage, and accrediting amount examination & approval are quick, and purchase machine is carried out according to credit line, improve the experience of user.

Description

A kind of credit purchase machine system and method based on big data technology
Technical field
The invention belongs to credit purchase machine technical field, and in particular to it is a kind of based on big data technology credit purchase machine system and Method.
Background technique
Credit purchase machine refers to: user directly uses credit line loan purchase mobile phone and contract set meal in marketing platform.
However existing credit purchase machine system and method remains some unreasonable factors, existing credit purchases machine For system and method when user purchases machine, credit step is long, and input information is big, waits the time of the accrediting amount permanent, delays use The time for admiring type is purchased at family by the accrediting amount, establish a set of status that is completely new, meeting current China's credit purchase machine and The assessment of growth requirement or analysis method become the task of top priority of the China based on big data technology credit purchase machine System Development;In order to It saves user's race line to put up at an inn the time handled, simplifies credit step, efficiently examine the accrediting amount, and purchase according to the accrediting amount The type that user admires improves the Experience Degree of user, and the present invention provides a kind of credit purchase machine system based on big data technology thus System and method.
Summary of the invention
The credit based on big data technology that the purpose of the present invention is to provide a kind of purchases machine system and method, above-mentioned to solve The existing credit purchase machine system and method proposed in background technique remains some unreasonable factors, existing credit For purchase machine system and method when user purchases machine, credit step is long, and input information is big, waits the time of the accrediting amount permanent, stops over User purchases the time for admiring type by the accrediting amount, establishes a set of completely new, showing of meeting current China credit purchase machine The assessment of shape and growth requirement or analysis method become the task of top priority of the China based on big data technology credit purchase machine System Development; It puts up at an inn the time handled to save user's race line, simplifies credit step, efficiently examine the accrediting amount, and according to the accrediting amount The type that user admires is purchased, the Experience Degree problem of user is improved.
To achieve the above object, the invention provides the following technical scheme: a kind of credit based on big data technology purchases machine system System and method, including credit purchase machine system and credit purchase machine method, and the credit purchases machine system: integral epoch joint communication enterprise Industry, financial institution, marketing platform make jointly it is a on the basis of big data technology for the good client of credit standing It offers a loan the project of machine of purchasing, this project is intended to by way of cooperation, and by communication enterprise, financial institution and marketing platform melt Altogether, guidance user directly uses credit line loan purchase mobile phone and contract set meal in marketing platform, to reach common The purpose of marketing, win-win progress;Communication enterprise user logs in marketing platform access credit and purchases machine project prefecture, selects intention mobile phone Enter credit process afterwards, the accrediting amount can be used to be paid after credit success, the accrediting amount used can choose by stages It refunds, after user's confirmation is received, notice financial institution made loans to user and reduced the credit line of user the integral epoch, with Simultaneously short massage notice user's push user's repayment schedule makes loans and refund information afterwards, purchases machine success since then, and the credit line used is complete After portion refunds successfully, it can be used for subsequent purchase machine, when credit failure or the accrediting amount not enough pay intention mobile phone, user can be with Select account in full purchase;
The credit purchase machine method is as follows:
Step 1: entrance enters, and communication enterprise user logs in marketing platform access credit and purchases machine project prefecture;
Step 2: selection mobile phone, the mobile phone type that selection intention is purchased;
Step 3: selection contract inputs cell-phone number, selection the set meal gear, contract time limit of user oneself;
Step 4: selection by stages, takes the mode of installment reimbursement to be paid;
Step 5: filling in shipping address, fills in cell-phone number, addressee, shipping address that user handles;
Step 6: updates carry out real-name authentication, tie up card refund, recognition of face, personal information;
Step 7: the credit line of user is inquired in credit by the cell-phone number of user's credit, and user is after credit success to award Letter amount takes the mode of installment reimbursement to be paid;
Step 8: confirmation is received, and user's confirmation is waited to receive;
Step 9: making loans, and notice financial institution made loans to trade company and reduced the credit line of user the integral epoch;
Step 10: installment reimbursement by the accrediting amount used in short massage notice client and is made loans and refund information.
It is described that user credit score, purchase are understood by big data technology as a preferred technical solution of the invention Whether set meal that machine desire, user originally used bundlees contract, whether in blacklist etc..
As a preferred technical solution of the invention, in the step 1, marketing platform entrance is supported multiplely Fang Anfang or short message or wechat public platform or certain operator APP or certain marketing platform APP etc., marketing platform entrance is placed in When integral epoch platform, more trade companies is supported to enter in integral epoch platform, communication enterprise user logs in marketing platform access letter With purchase machine project prefecture, the type that selection intention is purchased, and understand the movable and preferential dynamics of the type.
As a preferred technical solution of the invention, in the step 6, updates: real-name authentication (user's body Part card information and upload identity card front and back sides photo ensure it is clear errorless)-tie up card and refund that (adding user, bank borrows under one's name Note card, reads financial institution's related protocol)-recognition of face (ensures that head portrait front angle is made towards camera lens, and according to prompt Matching movement)-personal information (personal educational background, fill in relatives' name, relatives' cell-phone number, Business Name, address etc.).
As a preferred technical solution of the invention, order detail inquiry can also be carried out after the updates: Address information: the shipping address that user fills in;Mobile phone model information: the intention mobile phone model of user's forward purchasing;Order status information Including wait deliver, wait receive, trade successfully, delivery failure (purchase on a barter basis type or enter this list account in full purchase entrance, jump to branch Pay interface);The contract information handled includes the cell-phone number of user, contract gear, package name, set meal content, contract time limit;Branch Pay information: preferential promotion dynamics, the means of payment (a variety of mode payable by installment by stages such as 3 phases, 6 phases, 12 phases, each issue pair of money Number), full payment;O/No.: order creation information;Logistics information: Air Way Bill No..
As a preferred technical solution of the invention, in the step 10, the tradition of common marketing platform is changed Payment flow, by paying modification in real time for the payment that is delayed, by modification of paying in cash for credit line payment.
Compared with prior art, the beneficial effects of the present invention are:
(1) process on pure line reduces bargain link, saves the time that solid shop/brick and mortar store under user's line purchases type, reduces transaction Cost;
(2) credit step is brief, and user's input information is few, assesses user by the big data on backstage;
(3) accrediting amount examination & approval are quick, it is contemplated that can go out the accrediting amount in 5-10 minutes, and be carried out according to credit line Purchase machine improves the experience of user;
(4) it pays by instalments, the contradiction between the desire to purchase of effective solution client and real purchasing power, client is not required to It wants one-time payment to fall the high price of commodity, but type total price was dispersed in following time limit, come by following income The pressure for mitigating oneself meets the desire for consumer goods of reality, improves the quality of living, be conducive to client and more reasonably utilize oneself limited Fund.
Detailed description of the invention
Fig. 1 is flow chart of the invention;
Specific embodiment
A kind of credit purchase machine system and method based on big data technology, including credit purchase machine system and credit purchase machine side Method, credit purchase machine system: integral epoch joint communication enterprise, financial institution, marketing platform make a in big data jointly On the basis of technology (by big data technology understand user credit score, the set meal that purchase machine desire, user originally used, whether Binding contract, whether in blacklist etc.) offer a loan the project of machine of purchasing for the good client of credit standing, this project is intended to lead to The mode for crossing cooperation, by communication enterprise, financial institution and marketing platform fusion are got up, and guidance user directly makes in marketing platform It is provided a loan with credit line and buys mobile phone and contract set meal, to achieve the purpose that marketing, win-win progress jointly;Communication enterprise user It logs in marketing platform access credit and purchases machine project prefecture, enter credit process after selecting intention mobile phone, can make after credit success It is paid with the accrediting amount, the accrediting amount used can choose installment reimbursement, after user's confirmation is received, integrate the epoch Notice financial institution makes loans to user and reduces the credit line of user, then pushes user's repayment schedule and short massage notice user It makes loans and refund information, purchase machine success since then can be used for subsequent purchase machine, award after the credit line used is all refunded successfully When letter failure or the accrediting amount not enough pay intention mobile phone, user can choose account in full purchase;
Machine method is purchased including following credit:
Step 1: entrance enters, and marketing platform entrance is supported in multiple place placements or short message or wechat public platform, or Certain operator APP or certain marketing platform APP etc. support more trade companies to enter when marketing platform entrance is placed in integral epoch platform Into integral epoch platform, communication enterprise user logs in marketing platform access credit and purchases machine project prefecture;
Step 2: selection mobile phone, the type that selection intention is purchased, and understand the movable and preferential dynamics of the type;
Step 3: selection contract inputs cell-phone number, selection the set meal gear, contract time limit of user oneself;
Step 4: selection by stages, takes the mode of installment reimbursement to be paid;
Step 5: filling in shipping address, fills in cell-phone number, addressee, shipping address that user handles;
Step 6: updates carry out real-name authentication, tie up card refund, recognition of face, personal information, real-name authentication (user ID card information and upload identity card front and back sides photo ensure it is clear errorless)-tie up card and refund and (add user bank under one's name Debit card reads financial institution's related protocol)-recognition of face (ensures that head portrait front angle is done towards camera lens, and according to prompt Matching movement out) (personal educational background, fills in relatives' name, relatives' cell-phone number, Business Name, address to-personal information Deng), order detail inquiry: address information: the shipping address that user fills in can also be carried out after updates;Mobile phone type letter Breath: the intention mobile phone model of user's forward purchasing;Order status information include wait deliver, wait receive, trade successfully, delivery failure (change It purchases type or enters the entrance of this list account in full purchase, jump to payment interface);The contract information handled includes the mobile phone of user Number, contract gear, package name, set meal content, contract time limit;Payment information: preferential promotion dynamics, the means of payment (3 phases, 6 A variety of mode payable by installment by stages such as phase, 12 phases, each issue pair of amount), full payment;O/No.: order creation information;Object Stream information: Air Way Bill No.;
Step 7: the credit line of user is inquired in credit by the cell-phone number of user's credit, and user is after credit success to award Letter amount takes the mode of installment reimbursement to be paid;
Step 8: confirmation is received, and user's confirmation is waited to receive;
Step 9: making loans, and notice financial institution made loans to trade company and reduced the credit line of user the integral epoch;
Step 10: installment reimbursement by the accrediting amount used in short massage notice client and is made loans and refund information, is changed The conventional payment process for having become common marketing platform, by pay in real time modification in order to be delayed payment, by pay in cash modification in order to Credit line payment.
It although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be with A variety of variations, modification, replacement can be carried out to these embodiments without departing from the principles and spirit of the present invention by understanding And modification, the scope of the present invention is defined by the appended.

Claims (6)

1. a kind of credit based on big data technology purchases machine system and method, including credit purchase machine system and credit purchase machine method, It is characterized by: the credit purchases machine system: integral epoch joint communication enterprise, financial institution, marketing platform are made jointly A to offer a loan the project of machine of purchasing on the basis of big data technology for the good client of credit standing, this project is intended to lead to The mode for crossing cooperation, by communication enterprise, financial institution and marketing platform fusion are got up, and guidance user directly makes in marketing platform It is provided a loan with credit line and buys mobile phone and contract set meal, to achieve the purpose that marketing, win-win progress jointly;Communication enterprise user It logs in marketing platform access credit and purchases machine project prefecture, enter credit process after selecting intention mobile phone, can make after credit success It is paid with the accrediting amount, the accrediting amount used can choose installment reimbursement, after user's confirmation is received, integrate the epoch Notice financial institution makes loans to user and reduces the credit line of user, then pushes user's repayment schedule and short massage notice user It makes loans and refund information, purchase machine success since then can be used for subsequent purchase machine, award after the credit line used is all refunded successfully When letter failure or the accrediting amount not enough pay intention mobile phone, user can choose account in full purchase;
The credit purchase machine method is as follows:
Step 1: entrance enters, and communication enterprise user logs in marketing platform access credit and purchases machine project prefecture;
Step 2: selection mobile phone, the mobile phone type that selection intention is purchased;
Step 3: selection contract inputs cell-phone number, selection the set meal gear, contract time limit of user oneself;
Step 4: selection by stages, takes the mode of installment reimbursement to be paid;
Step 5: filling in shipping address, fills in cell-phone number, addressee, shipping address that user handles;
Step 6: updates carry out real-name authentication, tie up card refund, recognition of face, personal information;
Step 7: the credit line of user is inquired in credit by the cell-phone number of user's credit, and user is after credit success with credit volume Degree takes the mode of installment reimbursement to be paid;
Step 8: confirmation is received, and user's confirmation is waited to receive;
Step 9: making loans, and notice financial institution made loans to trade company and reduced the credit line of user the integral epoch;
Step 10: installment reimbursement by the accrediting amount used in short massage notice client and is made loans and refund information.
2. a kind of credit based on big data technology according to claim 1 purchases machine system and method, it is characterised in that: institute The set meal originally used by big data technology understanding user credit score, purchase machine desire, user is stated, contract whether is bundled, is It is no in blacklist etc..
3. a kind of credit based on big data technology according to claim 1 purchases machine system and method, it is characterised in that: institute It states in step 1, marketing platform entrance is supported in multiple place placements or short message or wechat public platform or certain operator APP, Or certain marketing platform APP etc., when marketing platform entrance is placed in integral epoch platform, it is flat to support that more trade companies enter the integral epoch In platform, communication enterprise user logs in marketing platform access credit and purchases machine project prefecture, the type that selection intention is purchased, and understanding should The movable and preferential dynamics of type.
4. a kind of credit based on big data technology according to claim 1 purchases machine system and method, it is characterised in that: institute State in step 6, updates: (user identity demonstrate,proves information and uploads identity card front and back sides photo ensures clear nothing to real-name authentication Accidentally)-tie up card (addition user bank debit under one's name, reading financial institution's related protocol)-recognition of face of refunding and (ensure Head portrait front angle makes matching movement towards camera lens, and according to prompt) (personal educational background, fills in parent to-personal information Belong to name, relatives' cell-phone number, Business Name, address etc.).
5. a kind of credit based on big data technology according to claim 1 purchases machine system and method, it is characterised in that: institute Order detail inquiry: address information: the shipping address that user fills in can also be carried out after stating updates;Mobile phone model information: The intention mobile phone model of user's forward purchasing;Order status information include wait deliver, wait receive, trade successfully, delivery failure (machine of purchasing on a barter basis Type or the entrance for entering the purchase of this list account in full, jump to payment interface);The contract information handled includes the cell-phone number of user, closes About gear, package name, set meal content, contract time limit;Payment information: preferential promotion dynamics, the means of payment (3 phases, 6 phases, 12 phases Etc. a variety of payable by installment of mode by stages, each issue pair of amount), full payment;O/No.: order creation information;Logistics information: Air Way Bill No..
6. a kind of credit based on big data technology according to claim 1 purchases machine system and method, it is characterised in that: institute It states in step 10, changes the conventional payment process of common marketing platform, by paying modification in real time for the payment that is delayed, by cash Payment modification is for credit line payment.
CN201810717672.2A 2018-07-03 2018-07-03 A kind of credit purchase machine system and method based on big data technology Pending CN108985746A (en)

Priority Applications (1)

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CN201810717672.2A CN108985746A (en) 2018-07-03 2018-07-03 A kind of credit purchase machine system and method based on big data technology

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Application Number Priority Date Filing Date Title
CN201810717672.2A CN108985746A (en) 2018-07-03 2018-07-03 A kind of credit purchase machine system and method based on big data technology

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109840757A (en) * 2018-12-13 2019-06-04 深圳市佰仟金融服务有限公司 A kind of repayment method and refund management equipment

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103400294A (en) * 2008-11-26 2013-11-20 斯玛特哈伯私人有限公司 Credit provision system and method
CN106447434A (en) * 2016-09-14 2017-02-22 全联征信有限公司 Personal credit ecological platform
CN106447487A (en) * 2016-05-27 2017-02-22 上海瑷卜网络科技有限公司 Realization method of online financial credit service
CN107248114A (en) * 2017-06-01 2017-10-13 世纪禾光科技发展(北京)有限公司 Electric business loan administration method and system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103400294A (en) * 2008-11-26 2013-11-20 斯玛特哈伯私人有限公司 Credit provision system and method
CN106447487A (en) * 2016-05-27 2017-02-22 上海瑷卜网络科技有限公司 Realization method of online financial credit service
CN106447434A (en) * 2016-09-14 2017-02-22 全联征信有限公司 Personal credit ecological platform
CN107248114A (en) * 2017-06-01 2017-10-13 世纪禾光科技发展(北京)有限公司 Electric business loan administration method and system

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109840757A (en) * 2018-12-13 2019-06-04 深圳市佰仟金融服务有限公司 A kind of repayment method and refund management equipment

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Application publication date: 20181211