Point giving method applied to consumer debt system

Abstract

The invention discloses a point giving method applied to a consumer debt system, which comprises the following steps of: 1, requesting to inquire the validity of a mobile phone number, and returning an inquiry result after inquiring the validity of the mobile phone number; in the second stage, the number of the given points is input, the points are given to a given user account associated with the effective mobile phone number, and a point giving request is sent after a login password of the given user account is input; and a third stage, when the login password of the presenting user account and the number of points of the presenting user account are verified to be sufficient, transferring the presented points of the presenting user account to the presented user account, otherwise, terminating the process, and returning and prompting corresponding operation, thereby realizing the function of presenting the points to help other users to accelerate deduction of personal debts through the points. The consumption is also promoted.

Description

[TECHNICAL FIELD]

[0001] The present application relates to a credit giving method applied to a debt consumption system. [BACKGROUND]

[0002] Various debts frequently occur, and in particular, part of the bank debts become bad debts, and there is a problem that the bank cannot recover the debts through various conventional means; at the same time, the bank bad debt debtor will be recorded as a dishonest person in the credit investigation system, and the dishonest person will be subject to consumption restrictions, and the general dishonest person also has difficulty in repaying the debt to eliminate the dishonest person record in the credit investigation system.

[0003] For example, the application 202111304448.9 discloses a system and method for debt through consumption, wherein the system specifically discloses a user unit, a server and a data updating unit, and the method comprises the following steps: S1: the user registers as a consumer, a merchant, a debtor and a creditor through an APP; S2: activate the consumption system; S3: activate the debt system. The contradictions between the debtor and the creditor and the contradictions between the consumer and the merchant are organically unified and coordinated and transformed into a cooperative relationship, and the debt is converted into points and participated in the consumption behavior, and the mutual action. In the above patent scheme, the creditor and the debtor are set, and new debts will be generated between the creditor and the debtor, thereby increasing the debt burden of the debtor, and at the same time, the debtor cannot repay the bank bad debt through debt consumption to eliminate the dishonest person record, on the other hand, the points generated after consumption cannot be given to help other debtors offset the debt. [SUMMARY]

[0004] The present application overcomes the shortcomings of the prior art and provides a credit giving method applied to a debt consumption system.

[0005] To achieve the above-mentioned purpose, the following technical solutions are adopted:

[0006] A credit giving method applied to a debt consumption system, characterized in that it comprises

[0007] The first stage, requesting to query the validity of the mobile phone number, and returning the query result after querying the validity of the mobile phone number;

[0008] The second stage, inputting the number of given points, giving points to the receiving user account associated with the valid mobile phone number, and sending a point giving request after inputting the login password of the given user account;

[0009] The third stage, when the login password of the given user account and the number of points of the given user account are verified to be sufficient, transferring the given points of the given user account to the given user account, otherwise terminating the process and returning and prompting the corresponding operation.

[0010] The credit giving method applied to the consumerization debt system as described above, characterized in that before the first stage, further comprising

[0011] S0, receiving and storing personal debt information of a plurality of bank bad debts, and storing a plurality of commodity inventory information, and the commodity price is not higher than the price of similar commodities in the mainstream sales platform, and the user account has the credit generated after consumption.

[0012] The credit giving method applied to the consumerization debt system as described above, characterized in that the first stage comprises

[0013] S1, entering the credit page of the mini-program client;

[0014] S2, clicking the credit giving button in the credit page of the mini-program client;

[0015] S3, the mini-program client displays the gift information input form;

[0016] S4, input the mobile phone number of the receiving user account in the gift information input form of the mini-program client;

[0017] S5, the mini-program client verifies the mobile phone number format;

[0018] S6, the mini-program client sends a mobile phone number validity query request to the PHP backend server;

[0019] S7, the PHP backend server queries whether the queried mobile phone number exists in the database;

[0020] S8, the database returns the query result to the PHP backend server;

[0021] S9, the PHP backend server returns the query result to the mini-program client;

[0022] S10, the mini-program client displays the query result.

[0023] The credit giving method applied to the consumerization debt system as described above, characterized in that S9 comprises

[0024] S9A, the PHP backend server returns the query result that the mobile phone number is invalid to the mini-program client;

[0025] S9B, the PHP backend server returns the query result that the mobile phone number is valid to the mini-program client.

[0026] The credit giving method applied to the consumerization debt system as described above, characterized in that S10 comprises

[0027] S10A, the applet client receives the query result that the mobile phone number is invalid, and displays an error prompt;

[0028] S10B, the applet client receives the query result that the mobile phone number is valid, and displays the user name associated with the recipient user account.

[0029] The credit giving method applied to the consumption debt system as described above, characterized in that the second stage comprises

[0030] S11, input the number of given credits on the applet client;

[0031] S12, input the login password of the recipient user account on the applet client;

[0032] S13, click the submit button on the applet client;

[0033] S14, the applet client encrypts and sends the giving information data to the PHP backend server. The credit giving method applied to the consumption debt system as described above, characterized in that the third stage comprises

[0034] S15, the PHP backend server verifies whether there is a matching login password of the recipient user account in the database;

[0035] S16, the database returns the verification result to the PHP backend server, and the PHP backend server terminates the process or continues the credit processing process according to the verification result.

[0036] The credit giving method applied to the consumption debt system as described above, characterized in that it further comprises

[0037] S17A, the PHP backend server receives the verification result that the login password of the recipient user account is incorrect, and terminates the process and returns the password error information to the applet client;

[0038] S18A, the applet client displays a password error prompt;

[0039] The credit giving method applied to the consumption debt system as described above, characterized in that it further comprises

[0040] S17B, the PHP backend server receives the verification result that the login password of the recipient user account is correct, and the PHP backend server queries the current credit balance of the recipient user account in the database;

[0041] S18B, the database returns the current credit balance data of the recipient user account to the PHP backend server, and the PHP backend server terminates the process or executes the transfer process according to the current credit balance data of the recipient user account.

[0042] The application of the credit giving method applied to the consumer debt system, characterized in that: further comprising

[0043] S19A, the PHP backend server receives the current credit balance data of the user account and determines that the current credit balance is insufficient for the number of given credits, and the PHP backend server returns the insufficient credit information to the applet client;

[0044] S20A, the applet client displays the insufficient credit prompt;

[0045] S19B, the PHP backend server receives the current credit balance data of the user account and determines that the current credit balance is sufficient for the number of given credits, and the PHP backend server opens a database transaction in the database; the database transaction includes

[0046] S20B, the PHP backend server deducts the given credits in the given user account in the database;

[0047] S21B, the PHP backend server increases the corresponding number of given credits in the given user account in the database;

[0048] S22B, the PHP backend server records the credit flow data in the database;

[0049] S23B, the database returns the database transaction submission success information to the PHP backend server;

[0050] S24B, the PHP backend server returns the given success response to the applet client;

[0051] S25B, the applet client displays the given success prompt.

[0052] The beneficial effects of the present application are:

[0053] In the present application, the consumer debt system pays for the bank's bad personal debt, obtains the bank's bad personal debt information and pre-stores it in the database, and after matching the user account with the bank's bad personal debt, the user account is used to consume and deduct the bank's bad personal debt in the consumer debt system, helping the bank to recover bad debts, and helping users to repay the bank's bad debt and thus eliminating the record of defaulters; the present application can give credits between user accounts, thereby helping other users to deduct personal debt through credits, and promoting different users to consume in the consumer debt system; the present application needs to verify the mobile phone number and user account login password before giving credits, and in the case of incorrect mobile phone number, incorrect password or insufficient credits, the giving process is terminated, realizing the hierarchical error handling function and ensuring the safety of credit giving; the present application generates a credit flow record recording the operation time, the associated user information and the number of given credits after giving credits, ensuring data consistency and integrity. BRIEF DESCRIPTION OF DRAWINGS

[0054] Fig. 1 For the method flowchart of the present application;

[0055] Fig. 2 For the system structure diagram of the present application. [DETAILED DESCRIPTION]

[0056] The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings.

[0057] It should be noted that all directional indications (such as up, down, left, right, front, back, etc.) in the embodiments of the present application are only used to explain the relative positional relationship, movement condition, etc. between components in a certain posture (as shown in the drawings), and if the certain posture changes, the directional indications will also change accordingly. In addition, the descriptions involving "preferred", "suboptimal" and the like in the present application are only for description purposes, and cannot be understood as indicating or implying the relative importance or implicitly indicating the number of technical features indicated. Therefore, the features with "preferred", "suboptimal" can be explicitly or implicitly included at least one of the features.

[0058] As shown in Figs. 1-2 An integral giving method applied to a consumer debt system, comprising

[0059] S0, receiving and storing personal debt information of a plurality of bank bad debts, and storing a plurality of commodity inventory information, and the price of the commodity is not higher than the price of the same kind of commodity in the mainstream sales platform, and the user account is provided with the integral generated after consumption.

[0060] The first stage, requesting to query the validity of the mobile phone number, returning the query result after querying the validity of the mobile phone number, specifically comprising

[0061] S1, entering the integral page of the mini-program client, specifically entering the "my integral" page;

[0062] S2, clicking the integral giving button in the integral page of the mini-program client;

[0063] S3, the mini-program client displays the giving information input form;

[0064] S4, inputting the mobile phone number of the receiving user account in the giving information input form of the mini-program client;

[0065] S5, the mini-program client verifies the mobile phone number format, specifically performing 11-digit number verification on the mobile phone number;

[0066] S6, the mini-program client sends a mobile phone number validity query request to the PHP backend server verification interface;

[0067] S7, the PHP backend server queries whether the mobile phone number of the query exists in the database;

[0068] S8, the database returns the query result to the PHP backend server;

[0069] S9, the PHP backend server returns the query result to the applet client, specifically including

[0070] S9A, the PHP backend server returns the query result of the invalid mobile phone number to the applet client;

[0071] S9B, the PHP backend server returns the query result of the valid mobile phone number to the applet client;

[0072] S10, the applet client displays the query result, specifically including

[0073] S10A, the applet client displays an error prompt after receiving the query result of the invalid mobile phone number;

[0074] S10B, the applet client displays the user name associated with the recipient user account after receiving the query result of the valid mobile phone number.

[0075] The second stage, input the number of gift points, and send a gift point request after inputting the login password of the gift user account, specifically including

[0076] S11, input the number of gift points in the applet client;

[0077] S12, input the login password of the gift user account in the applet client for security verification;

[0078] S13, click the submit button of the applet client after the user confirms all the information;

[0079] S14, the applet client encrypts the gift information data and sends it to the PHP backend server.

[0080] The third stage, when the login password of the gift user account and the number of gift points of the gift user account are verified to be sufficient, transfer the gift points of the gift user account to the recipient user account, otherwise terminate the process and return and prompt the corresponding operation, specifically including

[0081] S15, the PHP backend server verifies whether there is a matching gift user account login password in the database;

[0082] S16, the database returns the verification result to the PHP backend server, and the PHP backend server terminates the process or continues the process of gift points according to the verification result;

[0083] Wherein, S17A, the PHP backend server receives the verification result of the gift user account login password error, and terminates the process, and returns the password error information to the applet user end;

[0084] S18A, the applet user end displays the password error prompt;

[0085] Wherein, S17B, the PHP backend server receives the verification result of the gift user account login password correct, and the PHP backend server queries the current balance of the gift user account in the database;

[0086] S18B, the database returns the current balance of the gift user account data to the PHP backend server, and the PHP backend server terminates the process or executes the transfer process according to the current balance of the gift user account data;

[0087] Wherein, S19A, the PHP backend server receives the current balance of the gift user account data and determines that the current balance is insufficient for the number of gift points, and the PHP backend server returns the insufficient points information to the applet client;

[0088] S20A, the applet client displays the insufficient points prompt;

[0089] Wherein, S19B, the PHP backend server receives the current balance of the gift user account data and determines that the current balance is sufficient for the number of gift points, and the PHP backend server opens a database transaction in the database and executes a complete transfer operation; the database transaction includes

[0090] S20B, the PHP backend server deducts the gift points in the gift user account in the database;

[0091] S21B, the PHP backend server increases the corresponding number of gift points in the gift user account in the database;

[0092] S22B, the PHP backend server records the points flow log data in the database;

[0093] S23B, the database returns the database transaction submission success information to the PHP backend server;

[0094] S24B, the PHP backend server returns the gift success response to the applet client;

[0095] S25B, the applet client displays the gift success prompt.

[0096] As shown in Fig. 2 The system of the present case includes

[0097] User client device, specifically a hardware smartphone or tablet running the WeChat Mini Program client, used to render the interface, receive user input, make requests, and display results.

[0098] PHP backend server, specifically a physical or virtual server that deploys and executes PHP applications, responsible for receiving, processing frontend requests, executing core business logic (validation, calculation, transaction control), and communicating with the database.

[0099] Database, a dedicated server (MySQL) that stores system core data, storing user information (mobile number, name, password hash), balance of points account, and key data such as points flow log, providing efficient and reliable data query and transaction operations.

[0100] Network infrastructure, including routers, switches, firewalls, load balancers, and public (Internet) or internal (Intranet) links, responsible for securely and reliably transmitting data between components. The firewall ensures communication security and prevents malicious attacks.

[0101] As shown in Figs. 1-2 The connection between the hardware components in the system includes the Mini Program client of the user client device sending user input data (mobile number, points quantity, encrypted password, etc.) to the PHP backend server through the network; receiving and processing results (user name, error prompt, success message, etc.); and using HTTPS protocol to ensure the security of data transmission.

[0102] The PHP backend server sends SQL queries or transaction instructions (validate mobile number, validate password, deduct points, add points, record flow, etc.) to the database through the network; receives the query results or operation status returned by the database; and uses a secure database connection protocol (MySQL connection).

[0103] The database connects CPU, memory, and disk storage through internal buses, efficiently performs data retrieval and update operations, and ensures the ACID properties of transactions (atomicity, consistency, isolation, and durability).

[0104] The design of this case takes safety as the core concept, through multiple verifications, transaction processing, and complete audit logs, it builds a safe, reliable, and excellent user experience points transfer system, effectively preventing misoperation and fraudulent behavior, and protecting user asset safety.

[0105] The above merely describes the preferred embodiments of the present application, and is not intended to limit the patent scope of the present application. Any equivalent structural changes made according to the content of the present application specification and drawings, or direct or indirect application in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for awarding points in a consumer debt system, characterized in that: Including The first stage involves requesting a query to confirm the validity of a mobile phone number, and then returning the query results after confirming the validity of the mobile phone number. The second stage involves entering the number of points to be gifted, gifting points to the recipient user account associated with the valid mobile phone number, and sending a point gifting request after entering the login password of the gifting user account. In the third stage, if the login password of the gifting user account and the number of points in the gifting user account are sufficient, the gifted points of the gifting user account will be transferred to the recipient user account; otherwise, the process will be terminated, and the user will be returned with the corresponding prompts.

2. The points-based reward system for consumer debt repayment as described in claim 1, characterized in that: The first phase also includes S0. Receive and store personal debt information from multiple bank bad debts, as well as multiple commodity inventory information, with commodity prices not exceeding the prices of similar commodities on mainstream sales platforms, and user accounts having points generated after consumption.

3. The points-based reward system for consumer debt repayment as described in claim 1, characterized in that: The first phase includes: S1. Enter the points page of the mini-program client; S2. Click the "Gift Points" button on the points page of the mini-program client; S3. The mini-program client displays a form for entering gift information; S4. Enter the recipient user's mobile phone number in the gift information input form in the mini-program client; S5. Verify the mobile phone number format in the mini-program client; S6. The mini-program client sends a mobile phone number validity query request to the PHP backend server. S7, PHP backend server query to see if the queried mobile phone number exists in the database; S8. The database returns the query results to the PHP backend server. S9, the PHP backend server returns the query results to the mini-program client; S10. The query results are displayed on the mini-program client.

4. The points-based reward system for consumer debt repayment as described in claim 3, characterized in that: S9 includes The S9A and PHP backend servers return invalid mobile phone numbers to the mini-program client. The S9B and PHP backend servers return valid mobile phone number query results to the mini-program client.

5. The points-based reward system for consumer debt repayment as described in claim 4, characterized in that: S10 includes After receiving the query result that the mobile phone number is invalid, the S10A and the mini-program client display an error message; After receiving a valid query result for the mobile phone number, the S10B and the mini-program client display the user's name associated with the recipient's account.

6. The points-based reward system for consumer debt repayment as described in claim 5, characterized in that: The second phase includes: S11. Enter the number of points to be awarded in the mini-program client; S12. Enter the login password of the gifted user account in the mini-program client; S13. Click the submit button in the mini-program client; S14. The mini-program client will encrypt the gift information data and send it to the PHP backend server.

7. The points-based reward system for consumer debt repayment as described in claim 6, characterized in that: The third stage includes: S15. The PHP backend server verifies in the database whether there is a matching login password for the gifted user account. S16. The database returns the verification result to the PHP backend server. The PHP backend server either terminates the process or continues the points processing process based on the verification result.

8. The points-based reward system for consumer debt repayment as described in claim 7, characterized in that: It also includes After receiving the verification result that the login password of the gifted user account is incorrect, the S17A and PHP backend servers terminate the process and return the password error information to the mini-program user. S18A, The mini-program client displays a password error message.

9. A points-based reward system for consumer debt repayment as described in claim 7, characterized in that: It also includes After receiving the verification result that the login password of the gifted user account is correct, the S17B PHP backend server queries the database for the current points balance of the gifted user account. S18B: The database returns the current points balance of the gifting user's account to the PHP backend server. The PHP backend server then terminates the process or executes the transfer process based on the current points balance of the gifting user's account.

10. A points-based reward system for consumer debt repayment as described in claim 9, characterized in that: It also includes When the S19A and PHP backend servers receive the current points balance data of the user's account and determine that the current points balance is insufficient to grant the required number of points, the PHP backend servers return an insufficient points information to the mini-program client. S20A and the mini-program client display a message indicating insufficient points; When the S19B and PHP backend servers receive the current points balance data of the user's account and determine that the current points balance is sufficient to award points, the PHP backend servers initiate a database transaction. The database transaction includes... The S20B and PHP backend servers deduct the bonus points from the user's account in the database. The S21B and PHP backend servers add the corresponding number of gifted points to the recipient user's account in the database. The S22B and PHP backend servers record points transaction data in the database. S23B: The database returns a database transaction commit success message to the PHP backend server; The S24B and PHP backend servers return a successful gifting response to the mini-program client. The S25B and the mini-program client display a message indicating successful gifting.

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