284 results about "Credit system" patented technology

An electronic fund transfer (EFT) system for managing and transferring electronic funds from a user's financial account to a credit system includes a credit system configured to dispense credit to a user via physical or electronic credit means, an electronic fund transfer (EFT) device, a secure payment gateway configured to connect to the user's financial accounts via a financial asynchronous transfer mode (ATM) network, a host system connected to the credit system via a local network, a funds management portal connected to the host system and the secure payment gateway, and means for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway. The funds management portal accounts and reconciles the transferred electronic funds. All communications between the secure payment gateway and the host system pass through the funds management portal. The EFT device includes a secure client-side application for receiving instructions from the user for transferring electronic funds from the user's financial account to the credit system and means for transmitting the fund transfer instructions to the user's financial account. The EFT device is configured to connect to the secure payment gateway and to communicate with the user's financial account and to transmit the instructions for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway.

A system and method for applying for a credit card, preferably at a point of sale, is disclosed. The system employs an automated interactive voice response system preferably sponsored by a credit card issuer. The user calls into the system using a standard telephone, and enters credit assessment information about the customer using the key pad of the telephone in response to verbal questions posed by the system. In one embodiment, only numeric information concerning the customer is entered, such as the customer's social security number. This credit assessment information is used to retrieve a credit report or score from a credit bureau database, which is used by the system to electronically decide whether to issue credit and to what extent and to establish a customer account. The system verbally provides information to the user regarding the credit assessment so that the customer's credit purchase can be quickly consummated.

A method includes building trust system among internet users, signing up in websites without password and protecting personal data in mobile device. Global Unique Identifier (GUID) is used to identify and accumulate internet credit for users and websites. First, user applies for GUID together with asymmetric-key, then the internet credit of this GUID can be accumulated based on transactions. Also, user can sign on or log in websites via GUID without using password and user name. In addition, dual data encryption and unpredictable random number is presented to anti-surveillance of communication. The personal information in mobile device are protected by asymmetric-key pairs and destroyed automatically after being stolen and mobile device's device-ID is used to chasing the stolen devices. In summary, the present invention is a securer way to build a trust system among internet users and protect data in mobile device.

The invention relates to a network examination system based on a block chain and a method for managing the network examination by using the network examination system, belonging to the technical fieldof teaching management equipment. The system adopts double-block chain design, including a data storage layer, a block chain core layer, a block chain application layer, a block link interface layer,a business system layer and a system user layer. The API interface of the data storage layer is connected with the API interface of the core layer of the block chain, the core layer of the block chain is connected with the application layer of the block chain, and the application layer of the block chain is connected with the interface layer of the block link through the API interface. The blocklink interface layer is connected with the service system layer to realize the inquiry and writing of the block chain service. The business system layer is connected with the system user layer, whichprovides the interface between the user and the network examination service. The invention can prevent information from being lost or tampered with maliciously, construct a safe, reliable and non-tamper examination credit system, simplify the network examination management process, improve the network examination organization efficiency, and provide high-efficiency, convenient and humanized examination service for examinees.

A system and method facilitate a credit system for providing user incentives to encourage data sharing in a P2P network. The credit system maintains a user credit database and respectively increases or decreases a user's credits based on the data uploaded to or downloaded from other peer nodes. The credit system can also associate a user's credits with economic value or rewards to encourage the user to share data with other peer nodes. In one embodiment, the credit system maintains a credit record for each user. The credit system increases the credit for a user based on the amount of data a peer node associated with the user uploads to other peer nodes in the P2P network. The credit system also decreases the credit for the user based on the amount of data downloaded by the peer node associated with the user.

The invention relates to technology of block chain and discloses A debit and credit operation method based on block chain and system, server and storage medium, The method comprises the following steps: in a block chain network, a credit system application of an exchange receives a transaction request, a third-party authority evaluates the credit of the user, and the credit system application receives a loan request initiated by the user. If the credit score of the user is greater than or equal to a predetermined credit score, the loan type and demand information are recorded in the block chain; and if the credit score of the user is greater than or equal to a predetermined credit score, the loan type and demand information are recorded in the block chain. The node of the insurance companyevaluates whether or not the insurance is underwritten. If the insurance is underwritten, the basic contract is formed. The node of the exchange generates a formal contract based on the basic contract and the information approved by the risk control review, releases the formal contract for the management to consult. If the management determines to invest, the loan contract is generated. After theloan contract becomes effective, the user withdraws the amount in the exchange. The invention can simplify the loan operation, shorten the overall loan efficiency and save the loan cost of the user.

A method and system for providing credit at a point of sale are provided. The method includes both an open-ended model and a closed-ended model. In the open-ended model a card, such as a credit card, is provided to the customer. The customer first enters into an agreement for repayment with a credit provider. When the customer uses the card, a new installment transaction is added to a revolving line of credit. An open-ended loan agreement is delivered to the customer at the point of sale. The open-ended loan agreement may include available credit left, payment terms, and payment date. In the closed-ended model, the customer need not first sign an agreement with the credit provider. The customer simply obtains and uses a card to obtain a closed-ended, single installment, installment loan.

The invention discloses an account receivable creditor's right certificate (contract) transfer system and method. The system comprises a creditor's right acceptance module, a risk review module, a code distribution module, an account receivable creditor's right certificate (contract) issuing module, an account receivable creditor's right certificate (contract) printing module, a creditor's right assignment module and a pledge registration module. Through sciences and technologies and a credit enhancement manner, account receivables, in static state, among various economic subjects are converted into paper or electronic account receivable certificates (contracts) which integrates the functions of financing, commodity financing, transfer, transaction and refunding (countervailing); in practice, solely state-owned account receivable creditor's right management companies are established by local governments or group applications are organized via mediation such as people mediation, industrial mediation and commerce chamber mediation; and through the system, account receivable creditor's right certificate (contract)s are issued for account receivables which accords with conditions so asto carry out transfer, so that a positive role is played in solving difficult financing of small and medium enterprises, resolving chain debts, resolving the debts of local governments and pushing the construction of credit systems.

This invention discloses a real-time computation method and system of a multi-dimensional credit system based on user empowerment. The method comprises the steps of: decomposing a to-be-processed log processing task to generate a plurality of log processing sub-tasks; concurrently processing the log processing sub-tasks, merging according to historical transaction reference information of a user or a client and a multi-task processing result obtained by concurrent processing to generate transaction behavior information; according to the transaction behavior information, performing multi-dimensional computation to obtain the current transaction reference information of the user or the client; and receiving and sending the current transaction reference information to a distributed database platform. The method of the invention solves the technical problem of unavailable real-time transaction reference information caused by massive and sharp increase of transaction platform log data and mining of multi-dimensional information at present, thus being favorable for providing users with more accurate and credible transaction reference information.

Systems and methods are disclosed for establishing one or more personal guarantor(s); establishing one or more business entities; establishing a professional business presence; reporting the professional business presence and the one or more personal guarantors to one or more credit scoring companies; establishing a PAYDEX score of said one or more business entities to a minimum of 80 resulting in an applicant's ability to obtain a larger credit line and at more favorable contract terms determined by one or more credit line providers reviewing external data. Another embodiment includes a method for establishing at least one high credit line credit accounts of one or more business entities with an open trade account of $10,000 or higher maintained in good standing and reporting said trade accounts(s) to the business credit scoring agencies.

The invention discloses an establishing method of an electronic wallet based on a block chain. The method comprises steps of 1) establishing a new transaction and issuing various types of assets; 2) carrying out the transaction and broadcasting transaction lists to the whole network through a P2 network; 3) carrying out transaction verification; 4) verifying results and broadcasting transaction results to the whole network after the transaction is finished; and 5) writing the transaction results into a block of a block chain. According to the invention, by use of the distributed account book technology, the digital asset flows and real cash payment on the block chain are connected, so in the global Internet market, the function of high-efficiency and low cost value delivery that the traditional financial mechanism cannot replace can be developed; a block chain credit system from the information to the value network is formed; the cryptography packet of each person can be developed into a 'self-finance' platform; and payment, depositing, transferring, exchange, loans and the bookkeeping and clearing in the whole network of the P2P can be achieved.

The invention discloses a marketing system based on or including a shopper credit system and a cellphone contact list, and belongs to an e-commerce and certification system. By automatically switching network, a shopper registers to set up a shop in the system, fills a domain name network name, qualification, business scope, patent copyright, advertisement and credit information. The information is compared with information imported in a shopper database server to verify the information. Related supervision mechanisms are set to carry out partition, classification, positioning and searching. Information required by the shopper is automatically captured and pushed though big data. A cellphone number user in the system directly logs in to compare and verify existed information fed back by the database server and data sharing of the user and the shopper. The user and the shopper have their own server units. Voice, video, image, text and information receiving and sending management are carried out among users. According to classification of industrial regulations, private conversations, retrieval is carried out on commerce and social communications, real names, virtual names, cellphone numbers and basic information and hidden retrieval setting management is opened. Phone books and group chats are established and managed as required according to classification of private conversations, commerce and social communications.

The invention discloses an enterprise credit website system for identifying the business condition and the credit condition of an enterprise. The enterprise credit website system comprises an enterprise credit code, a mobile terminal system, an enterprise credit database management module, an enterprise credit rating application module, an enterprise credit exposure module, an enterprise complaining module and an enterprise credit code generating module. A mechanism for checking business information of the enterprise is established, and the special enterprise credit code is generated, so that a user can acquire enterprise credit data, including enterprise information, enterprise credit information, the enterprise credit level as well as enterprise promotional images and videos, more conveniently, and audiences can know the credit condition of the enterprise quickly. Besides, feedback information of the government and related management departments is collected, the enterprise credit information is updated, and the enterprise credit system is perfected.

The invention discloses a transporting system and a method for an express or logistics, essentially aiming at improving transporting efficiency and service quality of the conventional express or logistics transporting system as well as reducing management cost. With application of a modern computer network technology, an open transporting system organizing method is realized, thereby reducing the management cost of an express enterprise or a logistics enterprise. Through a method for establishing a mortgage transporting credit system, supervision and guarantee of quality safety in a transporting process is achieved with low cost. The method makes it possible to make use of great scattered transport capacity in the society through establishments of the open organizing method and the mortgage transporting credit system, thereby greatly reducing transporting cost of the transporting system.

The invention relates to a system for treating the bank credit business, which is designed using integrated application SOA software frame and workflow technology for the characteristic of local country bank; the warning and prediction of the bank credit risk can be provided and carried out through the client credit graded estimation, the loan assessment, the giving credit and the grade classfication of load. The invention has changed the development mode of credit management system based on the flow of 'application-examination and approval-checkup-loan'according to the demand of client in the traditional credit management information treatment. The invention, using SOA configuration, integrates business process and service page, and generate the corresponding credit system, and the recombination of system can be completed in short time. The invention accords with the direction of bank credit management information development. The practicality and comprehensiveness of whole function in the system are strong, reaching domestic leading level in the application aspec of local commercial bank credit business process.

The invention discloses a credit exchange system comprising servers, a main computer, branch computers and a terminal device. The servers, the main computer, the branch computers and the terminal device implement remote consumption credit and discount, rebate, and exchange services through a communication module under control of an operating system and management software. The credit exchange system can form a multi-component whole to connect credit systems of all merchants within an enterprise alliance, so that members of all the merchants can share the system, consumers can benefit more, and credit exchange can produce maximum effectiveness to the merchants. Smooth overall operation of a project can be ensured through an information management system so as to provide a most stable credit accumulation and exchange environment for consumers. Through the credit exchange service, originally-dispersed credits obtained from the merchants are integrated together, and dispersed members of the merchants are communicated to contribute to a new situation of mutual benefit to the merchants and the consumers. The consumers are directly included in a promotion fee allocation scheme to maximize consumption discount which can be obtained by the consumers.

Systems and methods for managing a virtual bank of repair facility credits are disclosed. Various operations for adding and subtracting credits from a repair facility virtual bank account are disclosed. Adjustments to credit totals can be based on repair facility performance with regard to an individual vehicle repair or a plurality of vehicle repairs.