WO2006114023A1

WO2006114023A1 - System for personal consuming account

Info

Publication number: WO2006114023A1
Application number: PCT/CN2005/001001
Authority: WO
Inventors: Fu Cui
Original assignee: Fu Cui
Priority date: 2005-04-25
Filing date: 2005-07-08
Publication date: 2006-11-02
Also published as: CN1741075A; CN1926587A

Abstract

A system for personal consuming account comprises a bank balance network and a client transaction terminal. The fund with which the client purchases goods is transferred to the account which is set up specially for the client by the bank, at the same time, consuming credit and consuming interest begins to be recorded. The fund is transferred when the transaction is ended, the interest belongs to the consumer, while the fund of the enterprise is transacted by way of the credit between the enterprise and the bank.

Description

A system for personal consumption accounts. Technical field

The present invention relates to the field of financial transactions, and more particularly to a bank personal account for establishing credit, consumption and interest relationships.

Background technique

At present, the bank's personal accounts have two things in common: 1 The principal and interest of the account belong to the same exchange subject; 2 The direct source of the principal in the account may be money or capital, which is not directly related to personal consumption. This existing bank personal account is undoubtedly very successful in the era of agricultural society and industrialization. However, in the information age of the credit-based market economy, such existing personal accounts cannot guarantee accurate, complete and comprehensive records of the real trading behavior of the goods and currency exchange parties, and thus are prone to a series of financial risks and Missing credit.

Purpose of the invention

SUMMARY OF THE INVENTION It is an object of the present invention to overcome the deficiencies of the prior art and to provide an information consumer personal account with the greatest advantages of consumption credit, consumer interest and consumer information. Summary of the invention

The information consumption personal account of the present invention is a large-scale financial market account, which is suitable for a wide range of users, and is used to enable customers to conduct various financial transactions, the financial transaction including at least two aspects of bank transactions and product sales, the individual The account uses a bank settlement network and a customer transaction terminal, which specifically includes the following parts: a user interface, a customer identity unit, an account type unit, a customer demand unit, a credit card unit, and an authorization unit.

The user interface typically has several forms for the user to enter information from a number of different sources to consume personal accounts, such as personal computers, screen phones, ATM machines, bank phones, voice calls using automated answers, or The client activates the terminal, etc., and can also be an integrator and other well-known hardware units. Usually, in the user interface Separate hardware such as a customer-initiated terminal for transmitting products, and if the customer enters in person or by phone, the user interface is typically a bank teller or telephone representative.

The customer identity unit includes a specially programmed computer or workstation, and an input device such as a keyboard, a card reader, a mouse, or a touch screen. The function is that when a new customer contacts the bank, the identity unit asks and enters Record the customer's name, address and other information. For the old customer, the identity unit can confirm the identity by entering the account number, name and bank card number. The unit can easily understand the customer's credit card, mortgage, tax reduction and investment. All financial credit status.

The account type unit includes a computer or workstation having a general function for providing the customer with the type of the account and the process information of the account opening. The specific details of the account type include: account name, term, initial consumption, consumption rate, and any other needs. The account's specific information and other information, the unit may also include a suitable input device for the customer to talk to the computer, so that the customer decides to choose the type of account and how to receive the appropriate service.

The customer demand unit comprises a computer or workstation with general functions and a program storage device of some form. The unit first allows the customer to select the appropriate account type and the required project, and then the program storage device can be customized according to the customer's needs. The order provides information such as: 24-hour investment and financial information, corporate financial planning advice, personal consumption rates and related services.

The credit card making unit comprises a computer or workstation having a general function, a card making machine and a floating printing machine. The unit first determines whether the customer's credit is licensed according to the previous financial transaction record stored in the customer identity unit. Then judge the credit line. If it passes, you can prompt the user to input the information required by the card, including the card type, credit line, cardholder, secondary card, name and photo, and then the floating machine makes the floating silver. Concurrent to the customer. The license unit includes a general function computer or workstation and a printer, and the unit is responsible for selecting and establishing a password-free information consumption license item, and the license item includes at least a charter on information consumption, and the core clause of the charter is "the account" The portion of the consumer principal is owned by the business (or merchant) and the interest is owned by the consumer." For the password-free information consumption license item, the unit first judges whether the license condition is met. If it does not match, the user cannot establish the information consumption license item. If it matches, the unit displays the option of the information consumption license item, and then establishes the information. The procedure for the consumer license project. For the information consumption license project with password, the unit will display the consumption amount, the IJ rate, the time limit, etc. After the corresponding project is selected, the unit will establish the program. After the license unit has obtained all the information or completed the establishment, the customer will be required to read all the details about itself, including name, address, work, telephone number, etc. These registered information will show the daily balance of the account opening, account number , the amount of account opening consumption, the interest rate and the time limit, etc., then the licensing unit prints the registration information. The printing function is carried out in conjunction with the paper, that is, the customer must sign a series of documents, including: information consumption Joint application, letter of credit, signature card, authorization of charter and bank passbook, etc., and then forward these documents to the joint venture of relevant information consumption for filing.

When the information consumption personal account of the present invention is in operation, the customer first logs in to the user interface and deposits his personal identification data, and then the customer selects the type of information consumption account suitable for himself, and can present his own financial transaction demand at any time. In order to make the personal account of the information consumption personally significant, then, the credit card making unit creates a co-branded card with the "credit consumption" function flag according to the specific item of the information consumption personal account, and the permission of the co-branded card is authorized. The unit defines the constraint, so that the information consumption relationship is formed between the customer, the bank and the enterprise merchant. Through the information consumption personal account described in the present invention, the money when the consumer purchases the commodity is allocated to the bank and is specially set up for the consumer. Within the account, then start recording the customer’s consumer credit and spending periodic interest, so that the account When the household deducts the principal at the end of the period, the interest is transferred to the individual consumer, and the amount of the enterprise is settled through bank and corporate credit. Therefore, the distinctive characteristics of this kind of information consumption personal account are: 1 the account is generated and the principal in the account is derived from the direct consumption of the individual customer; 2 the principal and interest of the account belong to different exchange entities, the principal part of the account Not belonging to the individual consumer, the interest belongs to the individual consumer; 3 The principal in the account must be derived from the consumer's consumption of a commodity, that is, the individual consumer has obtained the commodity, the size of the principal and the actual consumption of the consumer. The amount of the transaction paid is equal. The information consumption personal account described in the present invention can be optimized for different levels of financial institutions in three different ways:

1 is defined as a category of personal consumption management accounts. The information consumption personal account is realized as a type of personal wealth management account in the personal business of the current commercial bank. Develop a special charter for the personal account of the information consumer. The core clause of the charter is that “the portion of the consumer principal in the account belongs to the enterprise (or merchant) and the interest belongs to the individual consumer”. The bank initiates a business that directly accepts the customer's application and registration information to consume the personal account. This approach is suitable for commercial banks' current business-level operations and is very low cost.

2 is directly defined as a dedicated account. The information consumption personal account is directly listed in the third account unit alongside the personal savings account and the settlement account. Defined as: Record a personal account for personal consumption and consumption interest, and develop a corresponding charter. The existing bank settlement networking unit and the customer transaction terminal are used, and only the currency (cash or bank card) held by the acquiring bank (the merchant bank) directly corresponds to the information consumption personal account. This kind of practice is suitable for commercial banks to report to the regulatory authorities, and the cost is very low.

3 countries enforced. In order to establish a personal consumption credit system, prevent financial risks, establish a harmonious order of commodities, currency transactions for enterprises, banks and consumers, the central bank and the banking regulatory department directly promulgate account management regulations, add credit and interest consumption personal account units, and issue uniform regulations. Through the commercial banking system, it is enforced as a financial project. . Advantageous effects of the invention

The information consumption personal account of the present invention can accurately, completely and comprehensively record the real transaction behavior of the goods and currency exchange parties, thereby reducing bank credit risk, breaking the financing bottleneck of the enterprise, expanding product sales, and protecting consumer rights. It not only guarantees the authenticity and effectiveness of the credit system, but also maintains the extremely low social cost and generation price, and solves the problem of the distortion of the credit system data and the cost of establishing a credit system.

DRAWINGS

1 is a schematic diagram of an embodiment of an information consuming personal account of the present invention;

The information consumer personal account of the present invention will now be described in further detail with reference to the accompanying drawings and specific embodiments.

FIG. 1 is a specific embodiment of an information consumption personal account of the present invention. The behavior objects of the embodiment include a consumer, a bank, an information consumption authorized party, and a product sales enterprise. First, the client logs in to the user interface. The customer includes the consumer, the information consumer licensee, and the product sales enterprise. The customer's identity data is stored in the record, and then the customer selects the type of information consumption account that suits his or her own, and can present his own financial transaction needs at any time to make his own Information consumption personal accounts have significant personalization. Here, the bank is a cooperative carrier, and a co-branded card with the "credit consumption" function mark is produced through the credit card making unit, and is responsible for the issuance of the card; the information consumption authorized party passes the authorization permit unit. The product sales enterprise is granted the right to use information consumption, and at the same time authorizes the bank to use the design of the information consumption personal account type. In the actual operation, the bank provides a background interface, and the information consumption authorized party provides the terminal device and is responsible for market development, and then Prepare the contract To the bank, in this way, the consumer, the bank, the information consumer licensee, and the product sales enterprise form a relationship of information consumption according to the charter of credit consumption, thereby ensuring the customer consumption card (purchasing the product sold by the product sales company), After the customer consumes, his letter Use the record to enter the information consumption joint account, and then the account begins to record the consumer credit and consumption periodic interest. When the account expires, the principal is deducted, the interest is transferred to the individual consumer, and the enterprise's payment is through the bank and corporate credit. solve.

What has been described above is only a preferred embodiment of the invention. It should be noted that various modifications and improvements may be made by those skilled in the art without departing from the principles of the invention.

Claims

Rights request

L. An information consumption personal account, characterized in that: the personal account uses a bank settlement network and a customer transaction terminal, and the amount of money consumed by the consumer when purchasing the purchased product is included in an account specially set up by the bank for the consumer, and begins to record consumption. Credit and consumption periodic interest, deducted from the principal at the end of the period, interest is transferred to the individual consumer, and the company's ^ project is resolved through bank and corporate credit.

2. The information consumer personal account according to claim 1, wherein: the principal and interest of the personal account belong to different objects, and the principal portion of the account does not belong to the consumer, and the interest belongs to the consumer; The principal in the account must be derived from the consumer's consumption of a commodity, that is, the individual consumer has obtained the commodity, and the principal amount is equal to the transaction amount paid by the consumer's personal consumption.