CN114356458A - Credit promise electronic application system and method - Google Patents

Abstract

The invention belongs to the technical field of computer internet, in particular to a credit promise electronic application system and a method, wherein the system comprises a management terminal, a user terminal and a platform server; the management terminal is used for configuring a structured promissory book template according to administrative matters according to the application requirements of credit promissory, so that promissory data can be conveniently stored and managed in a structured manner; the user terminal is developed based on a browser plug-in form and runs in the browser, so that the difference of the user terminal environment is perfectly solved, and the applications of credit check, acceptance book generation, paperless signing and the like are realized; the platform server provides the functions of issuing by the terminal user, managing the signed credit promissory certificate, opening a service interface and the like. The credit commitment electronic application system and the method can greatly improve the standardization and the management efficiency of the credit commitment application and promote the construction of a social credit system.

Description

Credit promise electronic application system and method

Technical Field

The invention belongs to the technical field of computer internet, and particularly relates to a credit commitment electronic application system and method.

Background

The system of sound credit commitment requires that when the administrative approval items of the applicable credit commitment system are transacted, the applicant commits to accord with the approval conditions and submits the relevant materials, and the materials should be transacted immediately. The applicant has better credit status, partial declaration materials are not well prepared, but written commitments are provided within a specified period, and the written commitments are accepted in advance to accelerate the transaction progress. The written committed performance condition is recorded into a credit record, which is used as an important basis for supervision in and after affairs and carries out punishment on the non-performing applicant according to the situation. To speed up the combing of administrative approval items of developable credit commitments, a credit commitment book with a standard format is formulated and is published to the society by relying on credit portal websites of all levels.

However, in the actual application process of credit commitment, each administrative unit adopts the traditional paper document mode, namely, a commitment person is required to sign the paper commitment, so that a series of disadvantages are caused:

1. the credit commitment information is not normative. The constituent elements of the credit commitment comprise elements such as information of a commitment person, a commitment reason, commitment content, disqualification responsibility, valid period and the like, and the paper document belongs to the category of unstructured data, cannot accurately identify information field elements recorded in the paper document and is not beneficial to normatively expressing the commitment information.

2. The information acquisition efficiency is low, and the sharing difficulty is high. The traditional paper file needs each mode of taking a picture or scanning to electronize the file, the information acquisition efficiency is extremely low, the operation process is complicated and easy to make mistakes, and the management value of credit acceptance application is obviously reduced. Meanwhile, the scanned electronic picture text is not structured data, cannot be deeply utilized, and is not beneficial to information sharing and exchange.

3. Invisible signing cannot be realized. The invisible approval is gradually an important measure for facilitating people, and especially since a new crown epidemic situation occurs, more urgent needs are brought to invisible approval, while the traditional paper acceptance document is not beneficial to adapting the invisible signing application scene.

4. Not conducive to committing to fulfillment supervision. The key point of credit commitment is that the targeted performance supervision is required according to commitment content, and the traditional paper commitment file flows more credit commitments in forms, is not beneficial to classifying the commitment content and cannot carry out accurate supervision.

Disclosure of Invention

Aiming at the technical problems in the prior art, the invention provides a credit commitment electronic application system and method, which well solve the difficult problems of credit commitment signing and application based on the combined innovation modes of structured commitment template configuration, browser plug-in mode deployment, electronic signature and the like, greatly improve the normalization and management efficiency of credit commitment application, and promote the construction of a social credit system. The specific technical scheme is as follows:

a credit commitment electronic application system comprises a management terminal, a user terminal and a platform server;

the management terminal is used for configuring a structured credit commitment template, and establishing the credit commitment template according to the application requirement of credit commitment on the basis of administrative units and authority items, wherein each authority item can establish a plurality of types of credit commitment templates;

the user terminal is installed in a browser plug-in mode, operates in a business system based on browser environment operation, and is used for checking the credit of a commitment object, filling commitment content, confirming a commitment book and an electronic signature in the administrative office process, and synchronously pushing the commitment content, the commitment book and the electronic signature to an official and performance supervision end;

and the platform server is used for authorizing the installed user terminal, managing the signed credit commitment book and providing a business service interface.

The invention creates the promissory book template of different scene applications according to government departments and approval matters, and the created promissory book template expresses the format and the data item structure of the promissory book in an XML form and finishes mapping with the background database entity table, thereby meeting the actual business requirements of adopting the special promissory book for different approval matters and creating conditions for paperless application of credit promissory. The user terminal developed based on the browser plug-in technology can be quickly adapted to business systems of all government departments, the user terminal is installed in the browser plug-in, deployment of the application terminal can be completed, and a paperless credit commitment application operation entrance is provided for a user.

Further, the management terminal maps the credit commitment information entity table in the database and the credit commitment configuration file through a visual setting window.

Further, the user application function entry of the user terminal is suspended in the right blank of the browser, and login, credit check and credit commitment are provided for the user.

Further, the user terminal provides code scanning signing or short message signing for the user in a two-dimensional code or short message mode.

Further, the platform server stores the signed credit promise information in a database table mode, and supports automatic generation of a PDF format credit promise book text with an electronic signature.

Further, the management terminal controls authorization of the user terminal.

Further, the platform server is used for inquiring, performing feedback and performing statistical analysis operation.

A credit commitment electronization method using said credit commitment electronization application system, comprising the steps of:

step 1, on the basis of administrative units and authority items, creating a credit commitment template according to the application requirements of credit commitment;

step 2, the user logs in and authenticates, checks the credit status of the prompter, selects transaction items, and confirms whether the credit status of the prompter is suitable for the credit promissory transaction approval items or not;

step 3, aiming at the prompter without bad credit records, the user calls a transaction item promissory book from the promissory book template, and fills in the related content of the credit promissory book by the user to form an electronic text of the credit promissory book;

step 4, handing over the credit promissory to the prompter in a two-dimensional code or short message mode to sign;

and 5, the prompter finishes the confirmation of promised content and the electronic signature operation by scanning the two-dimensional code or clicking the link address in the short message.

Further, after the electronic signature is completed, the credit promissory book automatically generates a PDF format credit promissory book text with the electronic signature, and pushes the credit promissory book text to the links of official show and performance supervision.

The invention can provide inquiry and feedback application for the commitment and fulfillment supervision department according to the type and supervision mode of the commitment book aiming at each electronic credit commitment book which finishes signing.

The invention improves the standardization and the efficiency of the credit acceptance application and promotes the construction of a social credit system by configuring a structured credit acceptance book template, developing the browser plug-in operating environment of the user terminal, providing two electronic signature modes, providing a series of matched application technologies and methods such as credit acceptance performance management and the like.

Drawings

In order to more clearly illustrate the detailed description of the invention or the technical solutions in the prior art, the drawings that are needed in the detailed description of the invention or the prior art will be briefly described below. Throughout the drawings, like elements or portions are generally identified by like reference numerals. In the drawings, elements or portions are not necessarily drawn to scale.

FIG. 1 is a block diagram of an electronic application system based on credit commitment according to an embodiment;

fig. 2 is a flowchart of a paperless application method based on credit commitment in this embodiment.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.

It is also to be understood that the terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the specification of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.

It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

In particular implementations, the terminals described in embodiments of the invention include, but are not limited to, other portable devices such as mobile phones, laptop computers, or tablet computers having touch sensitive surfaces (e.g., touch screen displays and/or touch pads). It should also be understood that in some embodiments, the device is not a portable communication device, but is a desktop computer having a touch-sensitive surface (e.g., a touch screen display and/or touchpad).

Example (b):

the embodiment provides a credit commitment electronic application system and a method, as shown in fig. 1, the system comprises a management terminal, a user terminal and a platform server;

the management terminal mainly provides a structured credit commitment template configuration, establishes a commitment template according to the application requirement of credit commitment based on administrative units and right matters, and supports 1: n-relations, i.e., each rights item, may establish multiple types of commitments, such as proactive public commitments, certified item replacement commitments, approval replacement commitments, and the like.

The management terminal maps the logical relationship between the credit promise information entity table in the database and the promise book configuration file through a visual setting window, represents a variable through $ { parameter name }, and supports common text format editing operations such as line changing, bolding and underlining.

The management terminal can control the authorization of the user terminal, and prevents unauthorized user terminals from accessing the system.

The management terminal can provide necessary interface functions, including a login authentication interface, a credit verification interface, a commitment and signing interface, an electronic signature interface, an public interface and the like.

Specific examples are as follows: taking the case of the traffic transportation department handling the road transportation license, the traffic transportation department decides to provide the acceptance system application of 'tolerance acceptance' in the process of handling the road transportation license in order to improve the administrative examination and approval efficiency and facilitate the handling of the public.

Firstly, a 'acceptance of allowance' promissory book template is established under the items of 'transportation department, road transportation license' through the management terminal of the credit promissory electronic application system; then, setting a title of a commitment book, commitment content, disnuance responsibility and the like in the template, inserting parameter variables, and expressing in a form of "$ { parameter name }"; and finally, after the letter is verified to be correct, configuring and storing the letter template into an XML structure file, and finishing the creation process of the structured letter.

Similarly, through the implementation steps of the management terminal, a credit acceptance book template meeting the business requirements can be created for each government department and each approval item, and conditions are provided for application of paperless acceptance in the user terminal.

The user terminal is installed, deployed and operated in a browser plug-in mode, can be adapted to all business systems operated based on a browser environment, is convenient for quickly embedding a credit commitment application link in the administrative office process, completes credit check of a commitment object, commitment content filling, commitment confirmation and electronic signature, and synchronously pushes the commitment content, the commitment confirmation and the electronic signature to an official business and performance supervision link.

After the user terminal is installed on the browser, the user application function entry can be suspended in the right blank of the browser, so that application functions such as login, credit check and credit acceptance are provided for the user, and the application rules are as follows:

(1) firstly, user login operation is carried out, user identity and authority authentication is completed, whether the user terminal is legally authorized or not is judged, and the name of an administrative unit, a business department, transaction items and the like corresponding to the user terminal are judged.

(2) After user authentication is completed, the user can click 'credit check' to check the credit status of the commitment person, and the verification of the legal person and the natural person is supported, wherein the legal person only needs to input legal person names or unified social credit codes, the natural person verification needs to provide identity card numbers and names at the same time, the user selects transaction items, the user terminal displays the credit status of the commitment person in a pop-up window mode, and the user is required to feed back whether the credit status of the commitment person is suitable for credit transaction approval items or not.

(3) Aiming at the commitment people without bad credit records, the commitment can be called from the commitment book template library configured by the matters, and the approving personnel fills the related contents of the commitment book to form the electronic text of the commitment book.

The user terminal can provide a code scanning signing or short message signing method for the user in a two-dimensional code or short message mode.

(1) Scanning and signing: after the approval personnel fills in the contents of the credit acceptance book, a two-dimensional code signing mode can be selected, a two-dimensional code is generated at the user terminal, the acceptance person can perform code scanning operation through any scanning tool such as WeChat, Paibao and the like, a browsing confirmation page of the acceptance book is displayed firstly after code scanning, the acceptance person verifies the contents of the acceptance book, and the user terminal can call the online electronic signature control to perform signature and submission operation after the acceptance book is verified to be correct.

(2) Signing the short message: if the transaction of the prompter is in the non-meeting approval mode, the working personnel can send the electronic prompter to the short message of the prompter, and the prompter clicks the link address in the short message to complete the confirmation of the prompter content and the electronic signature operation.

The signed credit promise information is stored in a database table mode, the PDF format credit promise book text with electronic signature is supported to be automatically generated, business operations such as promise official and performance supervision can be further completed, and sharing exchange of the credit promise information can be carried out.

Specific examples are as follows: and similarly, taking the case that the transportation department handles the road transportation license as an example, installing a user terminal plug-in a computer browser of a worker handling the road transportation license of the transportation department, suspending the plug-in on the right side of the webpage window after the plug-in is installed, and triggering a corresponding function by the worker to perform business operation.

If the worker forgets to carry the vehicle insurance contract when accepting the application of the road transportation license of Zhang III, the worker plans to provide the 'tolerance acceptance' service for the Zhang III. Firstly, a worker needs to check the credit status of Zhang III through a user terminal and inquire whether the credit status meets the basic conditions of credit acceptance system handling; then, the staff creates a credit promissory book through the template, fills in information of the promissors, information of missing materials, promissory completion date, disqualification responsibility and the like to form the promissory book to be signed, and clicks 'code scanning and signing' to generate a two-dimensional code; and finally, opening WeChat for scanning one by three Zhang, scanning the two-dimensional code in an aligned mode, displaying a promised book which is required to be signed by a worker on a mobile phone screen, carefully verifying promised contents by three Zhang, clicking a signing button after no objection, displaying an electronic signature page on the mobile phone screen, and writing, signing and submitting by the three Zhang through the mobile phone screen.

The commitment signing completely realizes whole-course electronic operation, and the signed commitment information is stored in a database in a structured mode, so that better conditions can be created for subsequent commitment public notice, performance supervision and sharing exchange.

The platform server authorizes the installed and deployed user terminal, manages the signed credit commitment book and provides a necessary service interface function.

The platform server can manage the signed credit commitment information, provide inquiry, performance feedback and statistical analysis operation.

For example: similarly, for example, the transportation department transacts the road transportation license, the staff needs to track and supervise the promised performance of all office components transacted by the credit promised system. Firstly, the staff can inquire the signed credit promissory note information of the department through the platform server background and warn the promissory that the credit promissory note is not performed for an overdue period; secondly, the staff can perform feedback marking on the performance condition of each promise according to the performance condition of the promise person and supervise the loss of credit behavior of non-performance; finally, the overall number of committed works, the performance proportion, the effect analysis and the like can be analyzed through system statistics.

As shown in fig. 2, the present invention further provides a credit commitment electronic method using the credit commitment electronic application system, comprising the following steps:

step 1, on the basis of administrative units and authority items, creating a credit commitment template according to the application requirements of credit commitment;

step 2, the user logs in and authenticates, checks the credit status of the prompter, selects transaction items, and confirms whether the credit status of the prompter is suitable for the credit promissory transaction approval items or not;

step 3, aiming at the prompter without bad credit records, the user calls a transaction item promissory book from the promissory book template, and fills in the related content of the credit promissory book by the user to form an electronic text of the credit promissory book;

step 4, handing over the credit promissory to the prompter in a two-dimensional code or short message mode to sign;

and 5, the prompter finishes the confirmation of promised content and the electronic signature operation by scanning the two-dimensional code or clicking the link address in the short message.

After the electronic signature is completed, the credit promissory book automatically generates a PDF format credit promissory book text with the electronic signature and pushes the text to the links of official show and performance supervision.

Those of ordinary skill in the art will appreciate that the elements and implementation steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of clearly illustrating the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

In the embodiments described herein, it should be understood that the disclosed method, system, and apparatus may be implemented in other ways. For example, the division of the steps is only one logical function division, and there may be other division ways in actual implementation, for example, multiple steps may be combined into one step, or some features may be omitted, or one step may be split into multiple steps.

Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.

Claims (9)

1. A credit commitment electronic application system comprises a management terminal, a user terminal and a platform server; the method is characterized in that:

the management terminal is used for configuring a structured credit commitment template, and establishing the credit commitment template according to the application requirement of credit commitment on the basis of administrative units and authority items, wherein each authority item can establish a plurality of types of credit commitment templates;

the user terminal is installed in a browser plug-in mode, operates in a business system based on browser environment operation, and is used for checking the credit of a commitment object, filling commitment content, confirming a commitment book and an electronic signature in the administrative office process, and synchronously pushing the commitment content, the commitment book and the electronic signature to an official and performance supervision end;

and the platform server is used for authorizing the installed user terminal, managing the signed credit commitment book and providing a business service interface.

2. The system of claim 1, wherein the management terminal maps the credit commitment information entity table in the database with the credit commitment configuration file through a visual setup window.

3. The system of claim 1, wherein the user application function entry of the user terminal is suspended in a right margin of the browser to provide login, credit check and credit acceptance for the user.

4. The system as claimed in claim 1, wherein the user terminal provides a code scanning signature or a short message signature for the user in a form of two-dimensional code or short message.

5. The system as claimed in claim 1, wherein the platform server stores the signed credit commitment information in a database table and supports automatic generation of the electronically signed PDF-formatted credit commitment document text.

6. The system of claim 1, wherein the management terminal controls authorization of the user terminal.

7. The system of claim 1, wherein the platform server is configured to perform query, performance feedback, and statistical analysis operations.

8. A credit commitment electronization method using a credit commitment electronization application system according to one of claims 1 to 7, comprising the steps of:

step 1, on the basis of administrative units and authority items, creating a credit commitment template according to the application requirements of credit commitment;

step 2, the user logs in and authenticates, checks the credit status of the prompter, selects transaction items, and confirms whether the credit status of the prompter is suitable for the credit promissory transaction approval items or not;

step 3, aiming at the prompter without bad credit records, the user calls a transaction item promissory book from the promissory book template, and fills in the related content of the credit promissory book by the user to form an electronic text of the credit promissory book;

step 4, handing over the credit promissory to the prompter in a two-dimensional code or short message mode to sign;

and 5, the prompter finishes the confirmation of promised content and the electronic signature operation by scanning the two-dimensional code or clicking the link address in the short message.

9. The credit commitment electronization method as defined in claim 8, wherein: after the electronic signature is completed, the credit promissory book automatically generates a PDF format credit promissory book text with the electronic signature and pushes the text to the links of official show and performance supervision.

Images