A platform and method for accumulating consumer credit points and granting credit in transaction activities

Abstract

The invention relates to a platform for accumulating and granting credit points for consumption in transaction activities, comprising a consumer client terminal, the consumer client terminal including the consumer users credit UnionPay point account; providing a user terminal, including providing the users credit UnionPay point account; The transaction end, the transaction order generation end, the data extraction unit, the bank transaction data center system includes a point calculation unit, a record storage unit, and a payment unit; the record storage unit, the credit service management system The data center includes a credit unit, and the credit UnionPay points of the above-mentioned consumer users The account and the credit UnionPay credit account of the user are both credit UnionPay credit cards issued by the bank transaction data center system and the credit service management system data center after joint connection. The invention provides points data records for consumers and credit data records for merchants, and enables merchants to increase the credit line by obtaining credit after each citizen accumulates consumption points.

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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