Trading consumption credit point accumulation and credit extension platform and method

Abstract

The invention relates to a trading consumption credit point accumulation and credit extension platform, comprising a consumption user end including a consumption user credit unionpay point account; a providing user end comprising a providing user credit unionpay point account; a trading end; a trading card generating end; a data extraction unit; a bank transaction data center system comprising a credit point calculating unit, a recording memory cell and a payment unit; and a credit service management system data center comprising a credit extension unit, wherein the consumption user credit unionpay point account of the consumption user, and the user credit unionpay point account of the providing user end are both credit unionpay point cards which are uniformly issued after the bank transaction data center system and the credit service management system data center are connected. The platform and method provide point data recording for consumers, and credit data recoding for merchants, and expand the line of being credited for the merchants through allowing each citizen to obtain credit extension after consumption credit point accumulation.

Description

technical field [0001] The invention belongs to the field of commercial and financial data processing systems or methods, and more specifically relates to a platform and method for accumulating and granting consumer credit points in transaction activities. Background technique [0002] According to the notice of the State Council on printing and distributing the planning outline for the establishment of a social credit system and the report of the 18th National Congress of the Communist Party of China, it is clearly stated that "strengthening the construction of government integrity, business integrity, social integrity, and judicial credibility", so the domestic credit system is developing rapidly and improving day by day. In many respects, there are still some deficiencies in the existing credit system, for example: the coverage rate of the credit system for citizens is low, rural citizens have no permanent staff, do not have the right to obtain credit, and the credit line ...

AI Technical Summary

Problems solved by technology

[0002] According to the notice of the State Council on printing and distributing the planning outline for the establishment of a social credit system and the report of the 18th National Congress of the Communist Party of China, it is clearly stated that "strengthening the construction of government integrity, business integrity, social integrity, and judicial credibility", so the domestic credit system is developing rapidly and improving day by day. In many respects, there are still some deficiencies in the existing credit system, for example: the coverage rate of the credit system for citizens is low, rural citizens have no permanent staff, do not have the right to obtain credit, and the credit line of businesses is generally low, which seriously restricts citizens' daily life. Normal economic activities in China and the country's economic construction and development; when citizens receive rebate points from merchants and enterprises during consumption, most of them are one company or one merchant with one card. It will bring a lot of points cards, which will bring great inconvenience to customers

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