Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Data processing system and method suitable for financing payment

A data processing system and payment system technology, applied in data processing applications, payment architecture, payment schemes/models, etc., can solve problems such as limited application range, insufficient use, cumbersomeness, etc., to improve user experience and facilitate the use of funds Effect

Inactive Publication Date: 2014-12-10
CHINA CONSTRUCTION BANK
View PDF5 Cites 22 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For the current popular large-scale consumption such as car purchase, decoration, travel, etc., the credit card limit is often not enough to meet the requirements, and the traditional process of consumption through personal credit line is quite cumbersome. And the scope of application is also considerably limited
As far as the current application of credit lines is concerned, users often do not fully use the credit lines they can enjoy, and there is a lot of room for financial utilization

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Data processing system and method suitable for financing payment
  • Data processing system and method suitable for financing payment
  • Data processing system and method suitable for financing payment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0021] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the present invention will be described in detail below in conjunction with the accompanying drawings.

[0022] First of all, explain the "financing payment" mentioned in the present invention: the user (referring to the buyer) obtains a credit line by applying for a personal right pledge or a small loan from the bank, and in the process of online shopping, the user uses the credit line to apply for a loan for Payment completes the transaction, a process also known as "funded payment". The user can apply for the loan one or more times within the validity period of the loan and the pre-credit line.

[0023] figure 1 It is a block diagram of a data processing system suitable for financing payment according to an embodiment of the present invention, referring to figure 1 , the data processing system includes an e-commerce platform 1, a payment system 2 an...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention provides a data processing system and method suitable for financing payment. The data processing system comprises an e-commerce platform, a payment system and a credit line management and control system, wherein the e-commerce platform is used for generating a financing transaction order according to commodities selected by a user at a store of a merchant, and the financing transaction order and a financing credit expended mode selected by the user are sent to the payment system; the payment system is used for performing identity authentication on the user, and after the identity authentication passes, amount of money of the financing transaction order and the financing credit expended mode are sent to the credit line management and control system; the credit line management and control system is used for storing credit line of the user, and credit line processing and fund appropriating processing are performed according to the amount of money and the financing credit expended mode. By means of the data processing system and method suitable for financing payment, individual credit line and currently popular e-commerce can be combined, on-line payment can be achieved by means of individual credit line, the credit line of the user can be fully utilized, the usage of funds in individual credit line is quite convenient and rapid, and user experience is improved.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a data processing system and method suitable for financing payment. Background technique [0002] Traditional personal financing credits are often only used for house purchases, and are relatively limited in use. For the current popular large consumption such as car purchase, decoration, travel, etc., the credit card limit is often not enough to meet the requirements, and the traditional process of consumption through personal credit line is quite cumbersome. And the scope of application is also considerably limited. As far as the current application of credit lines is concerned, users often do not fully use the credit lines they can enjoy, and there is a lot of room for financial utilization. [0003] With the development of e-commerce, people have formed the habit of online consumption and payment. How to combine the credit line with online payment, so as to lower the threshol...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q20/12G06Q40/02
CPCG06Q20/108G06Q20/12G06Q20/24G06Q20/4037G06Q40/02
Inventor 庄海元陈历智俞广华陆祺傅强李尚真何穗胜钟博
Owner CHINA CONSTRUCTION BANK
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com