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Online virtual currency third-party credit method and data processing system thereof

A data processing system and virtual currency technology, applied in the Internet technology and financial fields, can solve the problems of debt collection difficulties, high promotion costs, and high risks, and achieve high operating costs, multiple application scenarios, and high security requirements.

Inactive Publication Date: 2013-04-03
孔庆发 +1
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The advantage of this method is that it recognizes the value of some digital assets of the borrower, such as credit rating, etc. Credit rating is an important reference for the loan amount. At the same time, social factors such as friend relationships are included, and the borrower's repayment credit can be accumulated; the disadvantages The reason is that the loan is real currency, there is no supervision in the use process, the risk is high, the promotion cost is high, and it is difficult to collect debts

Method used

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  • Online virtual currency third-party credit method and data processing system thereof
  • Online virtual currency third-party credit method and data processing system thereof

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Embodiment Construction

[0041] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0042] The online virtual currency third-party credit method and its data processing system of the present invention can be used in many general-purpose or special-purpose computing system environments or configurations. For example: personal computers, servers, smartphones, portable devices, tablet-type devices, multi-processor systems, etc.

[0043] Explanation of the name of the present invention:

[0044] Virtual currency refers to the virtual currency number ...

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Abstract

The invention provides an online virtual currency third-party credit method and a data processing system thereof. The online virtual currency third-party credit method includes steps of determining user credit line, user loan application, third-party credit supplier assessment and lending, user recharging or trading by loan, user repayment and payment requesting, settlement of a third-party credit supplier and a platform supplier and the like. The data processing system comprises a client and a server, the client realizes users' various service requests and the server processes the users' service requests. By the aid of the online virtual currency third-party credit method and the data processing system, value of personal online digital assets is explored, trade is promoted by means of load leverage and simple consumption payment ways, trade scale is enlarged, and the platform supplier is assisted in exploring and keeping high-quality users, and user experience is improved.

Description

【Technical field】 [0001] The invention relates to the field of Internet technology and finance, in particular to a method and system for users to borrow money online. 【Background technique】 [0002] In recent years, online consumption has gradually become a common way of life. Online consumption includes online shopping consumption and online service consumption (such as game currency recharge, etc.). [0003] Generally, there are two payment methods for the amount of online consumption: [0004] 1. Direct payment by the online banking system. This method requires data interaction with the banking system, requires multiple verifications and multiple clicks, so the operation is troublesome and has the disadvantages of poor customer experience, and the buyer's rights cannot be guaranteed. If the buyer pays in advance amount, the seller may not meet the buyer's needs, such as not delivering goods or not recharging. [0005] 2. Payment by a third-party payment provider, such ...

Claims

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Application Information

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IPC IPC(8): G06Q20/06G06Q20/12G06Q40/02
Inventor 孔庆发陈钊
Owner 孔庆发
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