Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, rightThe present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, andIt is not used in the restriction present invention.
Unless otherwise defined, all technical and scientific terms used herein and belong to technical field of the inventionThe normally understood meaning of technical staff is identical.Term as used herein in the specification of the present invention is intended merely to description toolThe purpose of the embodiment of body, it is not intended that in the limitation present invention.Term as used herein " or/and " includes one or more phasesAny and all combinations of the listed item of pass.
Consumptive credit method, system and storage provided in an embodiment of the present invention are for realizing the consumptive credit methodComputer equipment and readable storage medium storing program for executing, by automatic identification customer consumption information, and support to carry out credit verification, Neng GouguiPotential risk that may be present in consumptive credit payment is kept away, to keep the stability of consumptive credit chain.
Fig. 1 is a kind of overall flow figure of consumptive credit method provided in an embodiment of the present invention, and details are as follows.
Step S101 obtains the consumption information of user when detecting that user carries out consumption and payment.
In embodiments of the present invention, the consumption information includes consumption type and spending amount.
In embodiments of the present invention, further, for renting a house, the consumption type includes rent, cash pledge, charges for water and electricityAnd management for infrastructure fee.
In embodiments of the present invention, by obtain user consumption information, realize only to can provide credit paymentConsumption and payment provides the function of the credit means of payment, can then reduce risk that may be present.
Step S102 judges whether the consumption information meets letter according to the consumption information and the preset accrediting amountBorrow the terms of payment.
In embodiments of the present invention, by the consumption type and spending amount of the verifying consumption information whether in creditWithin amount, to judge this time to pay with the presence or absence of risk.
Further, the embodiment of the present invention supports the default consumption type that can be provided credit and pay, while also supporting pre-If refusal provides the consumption type of credit payment to reduce risk.
As an embodiment of the present invention, when judging that the consumption type of the consumption information can provide letter to be presetIt borrows the consumption type of payment and spending amount is not higher than the accrediting amount, judge that this consumption information meets the credit terms of payment,And execute step S103；When the consumption type for judging the consumption information be not it is preset can provide credit payment it is consumerType or/and spending amount are higher than the accrediting amount, judge that this consumption information is unsatisfactory for the credit terms of payment.
In embodiments of the present invention, further, when judging that the consumption information is unsatisfactory for the credit terms of payment, Xiang YongFamily exports multiple means of payment options, does not include credit means of payment option in the means of payment option.
As another embodiment of the invention, the accrediting amount can be the unified preset accrediting amount, alsoIt can be the accrediting amount that user voluntarily obtains to server-side application.
Step S103 exports multiple means of payment options to user, includes credit branch in the multiple means of payment optionPay mode option.
In embodiments of the present invention, the multiple means of payment include wechat payment, Alipay payment etc. other possess phaseAnswer the mode of obligation authority.
Step S104 is instructed according to the delivery operation of user and is judged whether the means of payment that user selects pays for credit.
In Ben Mingfa embodiment, user freely can select the corresponding means of payment according to the ability to pay of oneself, togetherThe stability that consumption chain can be improved of sample.Furthermore the transparency that ensure that user's selection, avoids the occurrence of user unwittingIn the case of selection form of credit payment.
As an embodiment of the present invention, when judging the means of payment that user selects for credit payment, step is executedS105；When the means of payment for judging that user selects does not pay for credit, payment is completed according to the selected means of payment of user.
Step S105 sends loan requests to capital, and receives the credit information that the capital returns.
In embodiments of the present invention, the capital is the preset and associated third party of consumptive credit method.
In embodiments of the present invention, the credit information include whether to provide a loan successfully and the amount of the loan, payment period andLoan interest.
In embodiments of the present invention, further, the capital can also examine user and this consumption informationIt looks into, is consumed there may be potential risks or this time there may be when potential risks in user credit, capital can refuse to mentionFor credit service to avoid risk, and return to the credit information of credit request failure.
In the embodiment of the present invention, when user pays, by obtaining customer consumption information automatically, and automatic identification disappearsTake type, realizes and only provide the function of the credit means of payment to the consumption and payment that can provide credit payment, it can be effectivelyAvoid some potential payment risks.And when meeting the credit terms of payment, it include the more of credit payment by being exported to userA means of payment, user freely can select the corresponding means of payment according to the ability to pay of oneself, ensure that user's selectionThe transparency.After user selects credit payment, loan requests are sent to the third party bound in advance, receive the loan that third party returnsMoney information, to complete entire credit consumption process.Whole process user's operation is simple, without cumbersome verification process, andWhole transparent, no potential risk.The embodiment of the present invention also supports each side to carry out credit verification, ensure that the stabilization of entire consumption chainProperty.
Fig. 2 is the overall flow figure for the consumptive credit method that another embodiment of the present invention provides, and details are as follows.
For ease of description, it only remarks additionally to the step different from above-mentioned Fig. 1, identical step is not repeated to solveRelease explanation.
Step S201 sends credit request to server-side, and receives the accrediting amount that the server-side returns, and awards describedLetter amount is set as the preset accrediting amount.
In embodiments of the present invention, the accrediting amount by server-side according to credit request in the user information that contains determineThe corresponding accrediting amount.
In embodiments of the present invention, to avoid potential risks, the stability of credit consumption chain is improved, the server-side canThe corresponding accrediting amount is determined with the information being disclosed according to user.I.e. when server-side gets the information that user is disclosedAnd recognize user and there is the risk that may be broken one's promise, the accrediting amount can be reduced accordingly.
It in embodiments of the present invention, is the stabilization for further increasing credit consumption chain, the server-side is also used to capitalThe credit request of user is sent, the capital carries out credit check, and returns according to the credit check result to the service segmentReturn corresponding information.
It is understood that the embodiment of the present invention is also supported periodically to update the accrediting amount, for example, every month according toThe credit and refund information at family automatically update the accrediting amount, and establish user credit database.For there may be break one's promiseUser freezes the accrediting amount in time.
Step S202 obtains the consumption information of user when detecting that user carries out consumption and payment.
Step S203 judges whether the consumption information meets letter according to the consumption information and the preset accrediting amountBorrow the terms of payment.
Step S204 exports multiple means of payment to user when judging that the consumption information meets the credit terms of paymentOption includes credit means of payment option in the multiple means of payment option.
Step S205 is instructed according to the delivery operation of user and is judged whether the means of payment that user selects pays for credit.
Step S206 sends loan requests to capital, and connect when judging the means of payment that user selects for credit paymentReceive the credit information that the capital returns.
In embodiments of the present invention, credit check is carried out by server-side, capital in many ways, further decreases risk tradeOccur.The refund information of user can also be taken to establish user credit database simultaneously, be convenient for subsequent direct acquisition information, improvedTreatment effeciency.
Fig. 3 is the step flow chart that server-side provided in an embodiment of the present invention determines the accrediting amount, and details are as follows.
Step S301 requests the identity information of user according to the credit request credit.
It in embodiments of the present invention, include the identity information of user in the credit request.
Step S302 requests the identity information of user to obtain the credit information of the credit request user according to the creditAnd liveness.
In embodiments of the present invention, the credit information of the user includes the credit score and reference information of user, describedThe activity of the user includes social information disclosed in user and fund operation information.
In embodiments of the present invention, further, the credit score of the user can be the sesame credit score of user, describedReference information can be Central Bank's reference information；Social information disclosed in the user includes the social activity obtained from microblogging, circle of friendsInformation, the fund operation include recent credit and refund information.
Step S303 determines the accrediting amount according to the credit information of the user and liveness.
In embodiments of the present invention, it could be aware that, when the credit score of user is higher, social activity is abundanter and without bad letterBreath is that the determining accrediting amount is higher.
In embodiments of the present invention, it is preferred that abnormal to evade the more serious risk such as arbitrage, the first accrediting amount is notIt is preferably excessively high.
In the embodiment of the present invention, by the credit information and liveness of synthetic user, the accurate of judgement is further increasedProperty, while the accrediting amount of initial demand is defined, avoid the occurrence of the risks such as arbitrage.
Fig. 4 is the step flow chart provided in an embodiment of the present invention for judging whether to meet the credit terms of payment, and details are as follows.
Step S401, according to the consumption information judge the consumption type whether be it is preset can credit payment consumptionType.
In embodiments of the present invention, it supports the default consumption type that credit can be provided and paid, while also supporting default refuseThere is provided the consumption type of credit payment absolutely to reduce risk.
In embodiments of the present invention, when judge the consumption type for it is preset can credit payment consumption type when, sayThe bright consumption information is lower a possibility that there are risks, can provide credit service；It is pre- when judging the consumption type notIf can credit payment consumption type when, illustrate that the consumption information is higher a possibility that there are risks, refusal provide creditService.
Not whether step S402 judge the spending amount according to the consumption information and the preset accrediting amountGreater than the accrediting amount.
In embodiments of the present invention, when judging the spending amount no more than the accrediting amount, credit service can be provided；When judging that the spending amount is greater than the accrediting amount, refusal provides credit service.
In embodiments of the present invention, it is to be understood that the step S401 and step S402 does not indicate specific successiveOrdinal relation, and be more expressed as a kind of coordination.That is, it is judged that the consumption type whether be it is preset can credit branchThe consumption type paid and judge whether to be not more than two steps of the accrediting amount by the spending amount that there is no the mistakes successively executedJourney.
Step S403, according to the consumption type whether be it is preset can credit payment consumption type result and instituteIt states spending amount and whether is not more than the result of the accrediting amount and judge whether the consumption information meets the credit terms of payment.
In embodiments of the present invention, when judge the consumption type of the consumption information for it is preset can provide credit paymentConsumption type and spending amount not higher than the accrediting amount, judge that this consumption information meets the credit terms of payment；Work as judgementThe consumption type of the consumption information be not it is preset can provide credit payment consumption type or/and spending amount be higher than awardBelieve amount, judges that this consumption information is unsatisfactory for the credit terms of payment.
Fig. 5 is that the structural schematic diagram of consumer credit system provided in an embodiment of the present invention is only illustrated in for ease of descriptionThe relevant part of the embodiment of the present invention.
In embodiments of the present invention, the consumer credit system includes:
Consumption information acquiring unit 501, for when detecting that user carries out consumption and payment, obtaining the consumption letter of userBreath.
In embodiments of the present invention, the consumption information includes consumption type and spending amount.
In embodiments of the present invention, further, for renting a house, the consumption type includes rent, cash pledge, charges for water and electricityAnd management for infrastructure fee.
In embodiments of the present invention, by obtain user consumption information, realize only to can provide credit paymentConsumption and payment provides the function of the credit means of payment, can then reduce risk that may be present.
Credit pays judging unit 502, for disappearing according to the consumption information and the judgement of the preset accrediting amountWhether charge information meets the credit terms of payment.
In embodiments of the present invention, by the consumption type and spending amount of the verifying consumption information whether in creditWithin amount, to judge this time to pay with the presence or absence of risk.
Further, the embodiment of the present invention supports the default consumption type that can be provided credit and pay, while also supporting pre-If refusal provides the consumption type of credit payment to reduce risk.
As an embodiment of the present invention, when judging that the consumption type of the consumption information can provide letter to be presetIt borrows the consumption type of payment and spending amount is not higher than the accrediting amount, judge that this consumption information meets the credit terms of payment,It goes to the credit terms of payment and meets unit 503；When the consumption type for judging the consumption information is not that preset can provide letterThe consumption type of loan payment or/and spending amount are higher than the accrediting amount, judge that this consumption information is unsatisfactory for credit payment itemPart.
In embodiments of the present invention, further, when judging that the consumption information is unsatisfactory for the credit terms of payment, Xiang YongFamily exports multiple means of payment options, does not include credit means of payment option in the means of payment option.
As another embodiment of the invention, the accrediting amount can be the unified preset accrediting amount, alsoIt can be the accrediting amount that user voluntarily obtains to server-side application.
The credit terms of payment meet unit 503, for exporting multiple means of payment options, the multiple payer to userIt include credit means of payment option in formula option.
In embodiments of the present invention, the multiple means of payment include wechat payment, Alipay payment etc. other possess phaseAnswer the mode of obligation authority.
Means of payment judging unit 504, for judging the means of payment of user's selection according to the delivery operation of user instructionIt whether is credit payment.
In embodiments of the present invention, user freely can select the corresponding means of payment according to the ability to pay of oneself, togetherThe stability that consumption chain can be improved of sample.Furthermore the transparency that ensure that user's selection, avoids the occurrence of user unwittingIn the case of selection form of credit payment.
As an embodiment of the present invention, when judging the means of payment that user selects for credit payment, loan is gone toRequest transmitting unit 505；When the means of payment for judging that user selects does not pay for credit, according to the selected payer of userFormula completes payment.
Loan requests transmission unit 505 for sending loan requests to capital, and receives the loan letter that the capital returnsBreath.
In embodiments of the present invention, the capital is the preset and associated third party of consumptive credit method.
In embodiments of the present invention, the credit information include whether to provide a loan successfully and the amount of the loan, payment period andLoan interest.
In embodiments of the present invention, further, the capital can also examine user and this consumption informationIt looks into, is consumed there may be potential risks or this time there may be when potential risks in user credit, capital can refuse to mentionFor credit service to avoid risk, and return to the credit information of credit request failure.
Fig. 6 is the structural schematic diagram for the consumer credit system that another embodiment of the present invention provides, for ease of description, onlyIt is illustrated in the relevant part of the embodiment of the present invention.
For ease of description, it only remarks additionally to the structure different from above-mentioned Fig. 5, identical structural unit is no longer heavyIt is multiple to illustrate.
Accrediting amount acquiring unit 601 for sending credit request to server-side, and receives awarding for the server-side returnBelieve amount, the accrediting amount is set as the preset accrediting amount.
In embodiments of the present invention, the accrediting amount by server-side according to credit request in the user information that contains determineThe corresponding accrediting amount.
In embodiments of the present invention, to avoid potential risks, the stability of credit consumption chain is improved, the server-side canThe corresponding accrediting amount is determined with the information being disclosed according to user.I.e. when server-side gets the information that user is disclosedAnd recognize user and there is the risk that may be broken one's promise, the accrediting amount can be reduced accordingly.
It in embodiments of the present invention, is the stabilization for further increasing credit consumption chain, the server-side is also used to capitalThe credit request of user is sent, the capital carries out credit check, and returns according to the credit check result to the service segmentReturn corresponding information.
It is understood that the embodiment of the present invention is also supported periodically to update the accrediting amount, for example, every month according toThe credit and refund information at family automatically update the accrediting amount, and establish user credit database.For there may be break one's promiseUser freezes the accrediting amount in time.
Consumption information acquiring unit 602, for when detecting that user carries out consumption and payment, obtaining the consumption letter of userBreath.
Credit pays judging unit 603, for disappearing according to the consumption information and the judgement of the preset accrediting amountWhether charge information meets the credit terms of payment.
The credit terms of payment meet unit 604, for when judging that the consumption information meets the credit terms of payment, Xiang YongFamily exports multiple means of payment options, includes credit means of payment option in the multiple means of payment option.
Means of payment judging unit 605, for judging the means of payment of user's selection according to the delivery operation of user instructionIt whether is credit payment.
Loan requests transmission unit 606 sends to capital and borrows when judging the means of payment that user selects for credit paymentMoney request, and receive the credit information that the capital returns.
Fig. 7 is that the structural schematic diagram of credit provided in an embodiment of the present invention payment judging unit only shows for ease of descriptionPart related to the embodiment of the present invention out.
In embodiments of the present invention, the credit payment judging unit includes:
Consumption type judgment module 701, for judging whether the consumption type is preset according to the consumption informationCan credit payment consumption type.
In embodiments of the present invention, it supports the default consumption type that credit can be provided and paid, while also supporting default refuseThere is provided the consumption type of credit payment absolutely to reduce risk.
In embodiments of the present invention, when judge the consumption type for it is preset can credit payment consumption type when, sayThe bright consumption information is lower a possibility that there are risks, can provide credit service；It is pre- when judging the consumption type notIf can credit payment consumption type when, illustrate that the consumption information is higher a possibility that there are risks, refusal provide creditService.
Spending amount judgment module 702, for judging institute according to the consumption information and the preset accrediting amountState whether spending amount is not more than the accrediting amount.
In embodiments of the present invention, when judging the spending amount no more than the accrediting amount, credit service can be provided；When judging that the spending amount is greater than the accrediting amount, refusal provides credit service.
In embodiments of the present invention, it is to be understood that the consumption type judgment module 701 judges mould with spending amountThere is no specific successive ordinal relations for block 702, and are more expressed as a kind of coordination.
Credit pay judgment module 703, for according to the consumption type whether be it is preset can credit payment consumptionThe result whether result of type and the spending amount are not more than the accrediting amount judges whether the consumption information meets letterBorrow the terms of payment.
In embodiments of the present invention, when judge the consumption type of the consumption information for it is preset can provide credit paymentConsumption type and spending amount not higher than the accrediting amount, judge that this consumption information meets the credit terms of payment；Work as judgementThe consumption type of the consumption information be not it is preset can provide credit payment consumption type or/and spending amount be higher than awardBelieve amount, judges that this consumption information is unsatisfactory for the credit terms of payment.
In the embodiment of the present invention, when user pays, by obtaining customer consumption information automatically, and automatic identification disappearsTake type, realizes and only provide the function of the credit means of payment to the consumption and payment that can provide credit payment, it can be effectivelyAvoid some potential payment risks.And when meeting the credit terms of payment, it include the more of credit payment by being exported to userA means of payment, user freely can select the corresponding means of payment according to the ability to pay of oneself, ensure that user's selectionThe transparency.After user selects credit payment, loan requests are sent to the third party bound in advance, receive the loan that third party returnsMoney information, to complete entire credit consumption process.Whole process user's operation is simple, without cumbersome verification process, andWhole transparent, no potential risk.The embodiment of the present invention also supports each side to carry out credit verification, ensure that the stabilization of entire consumption chainProperty.
The embodiment of the present invention also provides a kind of computer installation, which includes processor, and the processor is usedIt is realized when executing the computer program stored in memory and consumes letter provided by embodiment shown by above-mentioned Fig. 1 to Fig. 4The step of credit side's method.
Illustratively, computer program can be divided into one or more modules, one or more module is storedIn memory, and by processor it executes, to complete the present invention.One or more modules, which can be, can complete specific functionSeries of computation machine program instruction section, the instruction segment is for describing implementation procedure of the computer program in computer installation.ExampleSuch as, computer program can be divided into the step of consumptive credit method that above-mentioned each embodiment of the method provides.
It will be understood by those skilled in the art that the description of above-mentioned computer installation is only example, do not constitute to calculatingThe restriction of machine device may include component more more or fewer than foregoing description, perhaps combine certain components or different portionsPart, such as may include input-output equipment, network access equipment, bus etc..
Alleged processor can be central processing unit (Central Processing Unit, CPU), can also be itHis general processor, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processorDeng the processor is the control centre of the computer installation, utilizes various interfaces and the entire computer installation of connectionVarious pieces.
The memory can be used for storing the computer program and/or module, and the processor is by operation or executesComputer program in the memory and/or module are stored, and calls the data being stored in memory, described in realizationThe various functions of computer installation.The memory can mainly include storing program area and storage data area, wherein storage programIt area can application program (such as sound-playing function, image player function etc.) needed for storage program area, at least one functionDeng；Storage data area, which can be stored, uses created data (such as audio data, phone directory etc.) etc. according to mobile phone.In addition,Memory may include high-speed random access memory, can also include nonvolatile memory, such as hard disk, memory, graftingFormula hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card(Flash Card), at least one disk memory, flush memory device or other volatile solid-state parts.
If the integrated module/unit of the computer installation is realized in the form of SFU software functional unit and as independentProduct when selling or using, can store in a computer readable storage medium.Based on this understanding, the present invention is realAll or part of the process in existing above-described embodiment method, can also instruct relevant hardware come complete by computer programAt the computer program can be stored in a computer readable storage medium, which is being executed by processorWhen, it can be achieved that the step of above-mentioned each embodiment of the method.Wherein, the computer program includes computer program code, describedComputer program code can be source code form, object identification code form, executable file or certain intermediate forms etc..The meterCalculation machine readable medium may include: can carry the computer program code any entity or device, recording medium, USB flash disk,Mobile hard disk, magnetic disk, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memoryDevice (RAM, Random Access Memory), electric carrier signal, electric signal and software distribution medium etc..
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the inventionMade any modifications, equivalent replacements, and improvements etc., should all be included in the protection scope of the present invention within mind and principle.