CN108009840A - E-consumer certificate operation system and its relevant commodity transaction, loan system - Google Patents
E-consumer certificate operation system and its relevant commodity transaction, loan system Download PDFInfo
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- CN108009840A CN108009840A CN201611066579.7A CN201611066579A CN108009840A CN 108009840 A CN108009840 A CN 108009840A CN 201611066579 A CN201611066579 A CN 201611066579A CN 108009840 A CN108009840 A CN 108009840A
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- consumer certificate
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0221—Re-usable coupons
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0222—During e-commerce, i.e. online transactions
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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Abstract
The invention discloses E-consumer certificate operational devices and system and its relevant commodity transaction, the device and system of loan, it is related to E-consumer certificate technical field, its feature includes：With certain face amount (such as member or point) for unit, each unit has the time limit, goes beyond the time limit, and reduces certain numerical value or value for E-consumer certificate in device；Certain numerical value or value are gradually reduced from producing being divided into multiple (two or more) periods during calcellation；Allow to supplement (i.e. cash is converted to consumption voucher) with money, transfer accounts, withdraw deposit (i.e. consumption voucher is converted to cash), and only meet that the user of certain condition can just withdraw deposit.The invention also discloses commodity trading system and loan system based on the E-consumer certificate operation system.The beneficial effects of the invention are as follows the consumption activity for being conducive to people.
Description
Technical field
The present invention relates to E-consumer certificate technical field, more particularly to E-consumer certificate operational devices and system and its related
Commodity transaction, loan device and system.（Explanation：Original name of the present invention be known as " E-consumer certificate operational devices and system and its
Relevant commodity transaction, the device and system of loan ", because number of words limits, are abbreviated as " E-consumer certificate operation system and its correlation
Commodity transaction, loan system "）.
Background technology
Here a kind of Innovation-based Economy pattern for solving massive unemployment problem is first introduced, and in this economic model, need
Use the present invention.
Economic model described here is relatively more suitable for the extensive mistake that a national long period economic depression is triggered
The situation of industry.This pattern is as obtained from massive unemployment problem caused by the America's economy great depression after research nineteen twenty-nine.
Historically, Keyesianism is used if there is economic depression and the situation of large-scale unemployment, some countries,
But historical facts show, Keyesianism there is many problems, including it is unsustainable the problems such as.Keyesianism thinks economical
Decline will not exist at the same time with inflation, but the 1970s western countries generally there is economic growth stagnation, height
Unemployment rate, high inflation rate exist at the same time, and this demonstrate Keyesianism, there are drawback and defect.
Here propose a kind of one country of solution and the economic depression of long period and the wound of massive unemployment problem occur
New economic model (can be referred to as " anti-depression pattern " or " anti-depression pattern "), its approximate contents is as follows：
1. one enterpriser, enterprise or government investment superbusiness, there are many subsidiaries in the said firm, and each subsidiary produces people
The product of some aspects in primary demand (such as clothing, food, lodging and transportion -- basic necessities of life).Each subsidiary can disperse throughout the country or even generation
Boundary various regions.
2. the unemployed people or volunteer obtain employment in these subsidiaries, income (wage) is divided into two parts：Certain ratio shows
Gold, remaining is " consumption voucher ".Such as if cash ratio is 20%, 10000 yuan of (wage) value is taken in, then 2000 yuan of cashes of hair, 8000
The consumption voucher of member.Cash ratio is variable adjustable, and scale is specifically determined by brainstrust according to case study at that time.When
When cash ratio is 100%, just as traditional economy pattern.Consumption voucher is defined period (such as 5 or 10
Month) fail (being unable to purchase and consumption) afterwards, or just devalue at regular intervals (such as than initial face amount devaluation 30%), until demoting
It is worth 0.The time limit of consumption voucher is also variable adjustable.The purpose in consumption voucher setting time limit is to promote people's consumption.Consumption voucher
Gold and silver etc., which cannot be bought, can breed the thing of value preserving etc.If without enough consumption and demand, product is just likely to occur big
Amount is superfluous, causes excess capacity crisis, this prevents production activity from maintaining down, so as to produce unemployment problem.
3. the website (transaction platform can be referred to as) of a commodity trading system is established, with the lookup and friendship of convenience goods
Easily.
Establish a system for supporting the payment and running of consumption voucher described above (mainly E-consumer certificate) function.
A consumption voucher loan system is established, consumption etc. of consuming and overdraw applied to wholesale.Consumption voucher is provided a loan and passed
The difference of system loan is that consumption voucher loan can be repaid with consumption voucher.
Establish appropriate, perfect insurance system.
4. the said firm just brings into operation, it is proposed that since production and living necessity.For example food, clothes, house are daily
Daily necessities etc..After certain phase, just consider to produce more advanced more complicated product so that people live variation and
Complicate.
5. country formulates special law for the said firm (or such company).The unemployed people or volunteer are in this mould
Economic activity is engaged in formula, it is necessary to sign a contract and the letter of commitment.The people for upsetting the said firm's economic order is punished, Huo Zhekai
Remove out the said firm.
6. people can freely add or exit the said firm by signing either to cancel a contract.As long as any enterprise receives
Consumption voucher, can participate in consumption voucher in this pattern (either platform) and can be used for purchasing or the bonus as employee.Appoint
What self-employed worker (or businessman) can also be participated in this pattern as long as receiving consumption voucher.Consumption voucher can buy this pattern (or
Person's platform) specified in any product.
Briefly, the employee of the superbusiness is the producer of product, at the same be also product key consumer, part
Product is sold to extraneous (people outside company).Certainly, government can therefrom extract a part of tax or profit.
This pattern need condition be mainly：Sufficient natural resources (including mineral resources etc.), suitable human resources,
Excellent production technology etc..
The method for dealing with fortuitous event：If there is any serious fortuitous event, as long as cash ratio is adjusted to
100% (consumption voucher ratio is adjusted to 0%), it is possible to, as existing economic model；Or extend the phase of consumption voucher
Limit.
This pattern can be expanded to the world, i.e., the superbusiness is transnational.
This pattern is not belonging to planned economy mode, but a kind of of free market economy pattern is improved and supplemented.Certainly
By in market economy model, in economic depression period, people understand excessive compression consumption, cause consumption severe atrophy, cause product
It is difficult to sell out, there is crisis of overproduction, so as to cause unemployment problem.And under conditions of this pattern, can be relatively more effective
Ground avoids the problem that consumption by excessive compression, preferably stabilizes consumption market, make production and consumption constitute one it is benign
The circulatory system, so as to alleviate unemployment problem energetically.
In existing payment system, and a kind of E-consumer certificate operational devices of suitable economic model are not present and are
System and its relevant commodity transaction, the device and system of loan, so the present invention proposes a kind of electricity for being adapted to the economic model
Sub- consumption voucher operational devices and system and its relevant commodity transaction, the device and system of loan.
The content of the invention
The embodiment of the present invention proposes E-consumer certificate operational devices and system and its relevant commodity transaction, the dress of loan
Put and system, can meet the needs of economic model described above and promote the needs of people's consumption, be conducive to the consumption of people
Activity.（Original name of the present invention be known as " E-consumer certificate operational devices and system and its relevant commodity transaction, loan device and
System ", because number of words limits, is abbreviated as " E-consumer certificate operation system and its relevant commodity transaction, loan system "）.
The embodiment of the present invention proposes a kind of E-consumer certificate operational devices, including：E-consumer certificate in device is with one
Fixed face amount (such as member or point) is unit, and each unit has certain time limit, certain number is then reduced more than the time limit
Value is either worth rather than just cancels more than the time limit or a step is devalued to 0；It is divided into during from producing calcellation multiple
(two or more) period gradually reduces certain numerical value or value；Allow to supplement with money that (i.e. cash is converted to consumption
Certificate), transfer accounts, withdraw deposit (i.e. consumption voucher is converted to cash), and only meet that the user of certain condition can just withdraw deposit；
Further include：
Receiving module, the request of the related E-consumer certificate business for receiving subscription client initiation；
Processing module, for handling the business in relation to the E-consumer certificate；
Logging modle, including database server, for recording and preserving user and the information in relation to the E-consumer certificate.
The E-consumer certificate has payment function before the deadline.
The embodiment of the present invention also proposed a kind of E-consumer certificate operation system, including：Subscription client and server, its
In：The subscription client, for initiating the request in relation to the E-consumer certificate business to the server；The server
Including device as described above.
The embodiment of the present invention also proposed a kind of commodity transaction running based on E-consumer certificate operational devices as described above
Device, including：
E-consumer certificate payment module, for during commodity transaction, being paid using the E-consumer certificate, so as to offset
The some or all of amount of money needed for (or replacement) purchase commodity；Further include E-consumer certificate operational devices as described above.
The embodiment of the present invention also proposed a kind of commodity trading system based on E-consumer certificate operation system as described above,
Including：Subscription client and server, wherein：The subscription client, for initiating related commodity transaction to the server
Or the request of inquiry business；The server includes the commodity based on the E-consumer certificate operational devices as described above and hands over
Easy operational devices.
The embodiment of the present invention also proposed a kind of loan operational devices based on E-consumer certificate operational devices as described above,
Including：
E-consumer certificate repaying module, for user after E-consumer certificate loan, using the E-consumer certificate also
Borrow.
The embodiment of the present invention also proposed a kind of loan system based on E-consumer certificate operation system as described above, bag
Include：Subscription client and server, wherein：
The subscription client, for the server initiate related E-consumer certificate loan or repaying business please
Ask；
The server includes the loan operational devices as described above based on the E-consumer certificate operational devices.
Brief description of the drawings
Attached drawing 1 is the schematic diagram of the present invention.
Embodiment
It should be appreciated that specific embodiment described herein is used only for explaining the present invention, it is not intended to limit the present invention.
As shown in Figure 1, the hardware environment framework that Fig. 1 can be related to as the E-consumer certificate operation system embodiment
Figure.The hardware running environment that the E-consumer certificate operation system embodiment is related to includes subscription client (or local terminal)
And server, the present embodiment are illustrated with server 20, wherein, subscription client can be PC terminals 10, mobile terminal
30 grades have the function of that client can with server 20 to terminal of the server initiation in relation to the E-consumer certificate service request
To communicate by wireless network or cable network, application program is installed, and provide user's operation circle in client 10
Face, client according to a user operation instruction to server 20 initiate the related E-consumer certificate business (such as pay, transfer accounts,
Supplement with money) request, server 20 is when receiving request, according at each side information of user and E-consumer certificate
Reason, database is stored in by handling result record, and returns to the information such as request results to subscription client, completes whole business
Flow.
As shown in Figure 1, Fig. 1 can also be related to as the commodity trading system embodiment based on the E-consumer certificate operation system
Hardware environment Organization Chart.The hardware operation that commodity trading system embodiment based on the E-consumer certificate operation system is related to
Environment includes subscription client (or local terminal) and server, and the present embodiment is illustrated with server 20, wherein, use
Family client can be that PC terminals 10, mobile terminal 30 etc. have to the business such as the related commodity transaction of server initiation or inquiry
The terminal of the function of request, client can be communicated with server 20 by wireless network or cable network, client
Application program is installed on 10, and user interface is provided, client to server 20 according to a user operation instruction initiate business
The request of the business such as product lookup or transaction, server 20 is when receiving request, according to user and each side information of request
Handled, handling result record is stored in database, and the information such as request results are returned to subscription client, completed whole
A operation flow.
As shown in Figure 1, Fig. 1 can also be related to as the loan system embodiment based on the E-consumer certificate operation system it is hard
Part environment architecture figure.The hardware running environment that loan system embodiment based on the E-consumer certificate operation system is related to includes
Subscription client (or local terminal) and server, the present embodiment are illustrated with server 20, wherein, subscription client
Can be that PC terminals 10, mobile terminal 30 etc. have the industry such as initiate related E-consumer certificate loan or repay to server
The terminal of the function of business request, client can be communicated with server 20 by wireless network or cable network, client
Application program is installed on end 10, and user interface is provided, client to server 20 according to a user operation instruction initiate
The request of business such as provide a loan or repay in relation to the E-consumer certificate, server 20 when receiving request, according to user and
The each side information of request is handled, and handling result record is stored in database, and return to request knot to subscription client
The information such as fruit, complete whole operation flow.
Claims (6)
- A kind of 1. E-consumer certificate operational devices, it is characterised in that including：With certain face amount (such as member or point) for unit, each unit has the time limit, super for E-consumer certificate in device Spend the time limit and then reduce certain numerical value or value；When being divided into multiple (two or more) during from producing calcellation Phase gradually reduces certain numerical value or value；Allow to supplement (i.e. cash is converted to consumption voucher) with money, transfer accounts, (i.e. consumption voucher of withdrawing deposit Be converted to cash), and only meet that the user of certain condition can just withdraw deposit；Its feature further includes：Receiving module, the request of the related E-consumer certificate business for receiving subscription client initiation；Processing module, for handling the business in relation to the E-consumer certificate；Logging modle, including database server, for recording user and the information in relation to the E-consumer certificate.
- A kind of 2. E-consumer certificate operation system, it is characterised in that including：Subscription client and server, wherein：The subscription client, for initiating the request in relation to the E-consumer certificate business to the server；The server includes the device described in claim 1.
- 3. a kind of commodity transaction operational devices based on E-consumer certificate operational devices as described in the appended claim 1, its feature exist In, including：E-consumer certificate payment module, for during commodity transaction, being paid using the E-consumer certificate, so as to offset The some or all of amount of money needed for (or replacement) purchase commodity；Further include the device described in claim 1.
- A kind of 4. commodity trading system based on E-consumer certificate operation system as stated in claim 2, it is characterised in that bag Include：Subscription client and server, wherein：The subscription client, for initiating the request in relation to commodity transaction or inquiry business to the server；The server includes the device described in claim 3.
- A kind of 5. loan operational devices based on E-consumer certificate operational devices as described in the appended claim 1, it is characterised in that bag Include：E-consumer certificate repaying module, for user after E-consumer certificate loan, using the E-consumer certificate also Borrow.
- A kind of 6. loan system based on E-consumer certificate operation system as stated in claim 2, it is characterised in that including： Subscription client and server, wherein：The subscription client, for initiating the related E-consumer certificate to the server The request of loan or repaying business；The server includes the device described in claim 5.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2016109323430 | 2016-10-31 | ||
| CN201610932343 | 2016-10-31 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108009840A true CN108009840A (en) | 2018-05-08 |
Family
ID=62048643
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611066579.7A Pending CN108009840A (en) | 2016-10-31 | 2016-11-28 | E-consumer certificate operation system and its relevant commodity transaction, loan system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115222524A (en) * | 2021-04-16 | 2022-10-21 | 中国人民银行数字货币研究所 | Recharging method, device and system for digital currency |
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| CN105574745A (en) * | 2016-02-05 | 2016-05-11 | 腾讯科技（深圳）有限公司 | Information processing method, server and first terminal |
| CN105608606A (en) * | 2016-01-29 | 2016-05-25 | 英联（厦门）智能数据有限公司 | System and method for intelligent matched application of electronic coupons |
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2016
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Patent Citations (4)
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| CN104272335A (en) * | 2011-12-02 | 2015-01-07 | 艾萨薇公司 | Unified processing of events associated with a transaction executing product purchase and/or use |
| CN102831740A (en) * | 2012-09-10 | 2012-12-19 | 北京融通远景科技发展有限公司 | Financial red envelope E-coupon system |
| CN105608606A (en) * | 2016-01-29 | 2016-05-25 | 英联（厦门）智能数据有限公司 | System and method for intelligent matched application of electronic coupons |
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| CN115222524A (en) * | 2021-04-16 | 2022-10-21 | 中国人民银行数字货币研究所 | Recharging method, device and system for digital currency |
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Application publication date: 20180508 |