Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment

Abstract

The invention designs a system for mobile credit granting and mobile transaction on credit based on mobile portable equipment. As shown in the appended drawings, the system comprises the following functions: a consumer user quickly submits personal information through mobile portable equipment; the system verifies the authenticity of the information submitted by the user; the system analyzes the user data of which the authenticity is confirmed, grants credit quickly, and feeds the result back to the mobile portable equipment terminal of the user in real time; the consumer uses the mobile portable equipment to directly purchase goods from a merchant on credit at a consumption site; and the user can pay money back to the merchant through the mobile portable equipment before the expiration date of the transaction on credit. The system designed by the invention provides convenient and quick mobile credit granting experience for consumers, and provides a novel transaction mode in which merchants can directly sell goods to users on credit.

Description

technical field [0001] The present invention relates to a system for granting credit to consumers on the Internet and conducting credit consumption transactions within the credit limit, in particular to using mobile portable devices to collect information and complete fast credit granting, to match offline consumption scenarios using mobile credit transactions, and to provide A system for managing collections due. Background technique [0002] For a long time, since there is no standard credit evaluation system for ordinary consumers that is convenient for merchants to use, in order to prevent risks, merchants settle directly with ordinary consumers and do not accept credit. [0003] After the emergence of bank credit cards, consumers can use credit cards issued by banks to make purchases at merchants that support credit card consumption. However, this credit granting model requires users to fill in a large number of forms and provide a large amount of personal information....

AI Technical Summary

Problems solved by technology

However, this credit granting model requires users to fill in a large number of forms and provide a large amount of personal information. After submitting the information, they need to wait for manual review by the bank. It is actually owed to the bank, not directly to the merchant on credit

[0004] On the other hand, with the development of e-commerce, products such as Ant Huabei and JD Baitiao appear that rely on the analysis of users’ historical transaction data on their platforms to conduct credit evaluations. The source of their credit needs to rely on users’ long-term transaction data. It also takes a long time to review the application of new users, and it is impossible to open at any time to obtain credit and immediately conduct credit consumption under specific consumption scenarios

[0005] In some high-end consumption places, due to the relatively large amount of consumption, it often happens that consumers do not have enough cash or fail to carry a credit card with sufficient consumption amount, which may easily lead to embarrassing situations. A fast enough way to provide sufficient credit certificates to merchants in real time, and complete credit payment based on this

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