CN107430745A - Moneytary operations execution system, method and its computer program based on social information - Google Patents

Moneytary operations execution system, method and its computer program based on social information Download PDF

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Publication number
CN107430745A
CN107430745A CN201680021377.2A CN201680021377A CN107430745A CN 107430745 A CN107430745 A CN 107430745A CN 201680021377 A CN201680021377 A CN 201680021377A CN 107430745 A CN107430745 A CN 107430745A
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China
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mentioned
loan
credit
information
execution system
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李泰辰
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Individual
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking

Abstract

The moneytary operations execution system of the present invention is applicable, including：User management department, for preserving the social information of multiple users（social information）；Account management portion, the more than one lender from above-mentioned multiple users（uploader）Receive and request is set to the mortgage of assets, and reserve fund is provided to above-mentioned lender based on set mortgage according to the setting request of above-mentioned mortgage；And loan enforcement division, the lender more than said one receive the related terms of loan information of reserve fund and open up credit passage（credit line）, and to the more than one debtor for the terms of loan information for meeting opened up credit passage（downloader）Offer a loan.The trust between users is quantized by using moneytary operations execution system, existing credit evaluation data based on historical information can be supplemented and/or substituted and the repaying ability of user is accurately assessed whereby, and make it that peer-to-peer network can be passed through between users（Peer‑to‑Peer）Mode is provided a loan.

Description

Moneytary operations execution system, method and its computer based on social information Program
Technical field
Each embodiment is related to a kind of moneytary operations based on social information (social information) and performed System, method and its computer program, more particularly to a kind of letter that can be to be quantized to the trust between users Credit passage (credit line) is opened up based on breath and is provided a loan based on this, so as to utilize with credit passage Based on the amount of the loan moneytary operations execution system, method and its computer program settled accounts.
Background technology
In the fiduciary loan product of existing financial institution, credit depend on borrower work unit listing whether, with Transaction actual achievement between respective financial institutions, property tax pay the assets such as actual achievement and debt inventory or history income, and having can only The problem of being calculated according to the data of time lag.The purpose of credit evaluation is to assess the repaying ability in future, But because existing credit evaluation data depends on historical information, it is difficult to think that it can correctly reflect future Repaying ability.In addition, undergo borrower that is less or needing petty load, existing credit evaluation for past economic activity The threshold of mode seems too high.
In recent years along with the development of ICT, especially along with the appearance of internet, information interchange and ditch Logical speed is drastically accelerated, and this also directly results in the dramatic change of service environment.Under this fast-changing environment, credit The most important standard of any standard so far will be surmounted during as being lived in personal participatory economy, moreover, letter With it is also possible to and then as the basis of All Activity.Therefore, it is necessary to a kind of brand-new assessment mark for meeting environmental change requirement It is accurate.
The content of the invention
Technical task
As one aspect of the present invention, using the teaching of the invention it is possible to provide one kind by being with social information (social information) Basis quantizes to the trust between users, so as to the existing credit evaluation data based on historical information Supplemented and/or substituted and the repaying ability of user is accurately assessed whereby, and caused between users It can be provided a loan by peer-to-peer network (Peer-to-Peer) mode and utilize the fund drawn of providing a loan through the above way to enter Moneytary operations execution system, method and its computer program of row clearing.
The method for solving technical problem
The moneytary operations execution system of one of present invention embodiment is applicable, including：User management department, it is multiple for preserving The social information (social information) of user；Account management portion, from more than one in above-mentioned multiple users Lender (uploader) receive request set to the mortgage of assets, and according to the setting request of above-mentioned mortgage with set matter Based on power reserve fund is provided to above-mentioned lender；And loan enforcement division, the lender more than said one receive deposit The terms of loan information that metallographic closes simultaneously opens up credit passage (credit line), and to the loan for meeting opened up credit passage The more than one debtor (downloader) of conditional information offers a loan.
In one embodiment, above-mentioned social information includes related information between above-mentioned multiple users, above-mentioned multiple made Belonging to everyone personal information of user, the project information associated with above-mentioned multiple users and above-mentioned multiple users More than one in group information.
In one embodiment, above-mentioned terms of loan information is with above-mentioned related information, above-mentioned personal information, above-mentioned project letter Set based on more than one in breath and above-mentioned group information, including basic credit line, loan interest rate and repayment bar More than one in part.For example, the association user that above-mentioned terms of loan information can include to above-mentioned lender sets Basic credit line, more than one in loan interest rate and repayment terms.In addition, above-mentioned terms of loan information can include to upper State in basic credit line, loan interest rate and repayment terms that the keyword in personal information or crucial contamination are set More than one.
The moneytary operations execution system of one of present invention embodiment is applicable, in addition to：Credit rating Rating and Valuation Department, with above-mentioned social activity Based on information, everyone the social credit score of above-mentioned multiple users is determined.Now, above-mentioned terms of loan letter Breath can include basic credit line for being determined based on above-mentioned social credit score or more and state based on social credit score really More than one in fixed loan interest rate.
In one embodiment, above-mentioned loan enforcement division can also receive the directed lending amount of money from more than one user And more than one debt-credit in aspired profit waits request, then as to using above-mentioned more than one user as pair As and meet the response that the more than one credit passage in the above-mentioned amount of the loan and aspired profit opens up, be above-mentioned one User more than individual offers a loan.
In one embodiment, above-mentioned loan enforcement division can also receive to utilize by external server meets above-mentioned debtor Terms of loan information credit passage settlement request, it is above-mentioned using meeting then as the response to above-mentioned settlement request The credit passage of the terms of loan information of debtor is that above-mentioned debtor offers a loan, and the amount of the loan is paid and arrives shop allied.
In addition, in one embodiment, above-mentioned loan enforcement division can also receive above-mentioned debtor repaid it is above-mentioned After the amount of the loan, used credit passage corresponding above-mentioned lending when the amount of money repaid is paid with offering a loan People.
The moneytary operations for being applicable each embodiment performs method, can be by a certain embodiment that is applicable in above-described embodiment Moneytary operations execution system implement.
The moneytary operations for being applicable one of present invention embodiment performs method, including：From more than one in multiple users Lender receive the step of request is set to the mortgage of assets；Request is set using set mortgage as base according to above-mentioned mortgage The step of plinth is to above-mentioned lender granting reserve fund；Lender more than said one is received with the society of above-mentioned multiple users The step of handing over the related terms of loan information of the reserve fund based on information and opening up credit passage；And to above-mentioned multiple uses Meet the step of more than one debtor of the terms of loan information of opened up credit passage offers a loan in person.
In one embodiment, above-mentioned social information includes related information between above-mentioned multiple users, above-mentioned multiple made Everyone personal information of user, the project information associated with above-mentioned multiple users and above-mentioned multiple users are added Group information in more than one.
In one embodiment, above-mentioned terms of loan information is with above-mentioned related information, above-mentioned personal information, above-mentioned project letter Set based on more than one in breath and above-mentioned group information, including basic credit line, loan interest rate and repayment bar More than one in part.For example, the association user that above-mentioned terms of loan information can include to above-mentioned lender sets Basic credit line, more than one in loan interest rate and repayment terms.In addition, above-mentioned terms of loan information can include to upper State in basic credit line, loan interest rate and repayment terms that the keyword in personal information or crucial contamination are set More than one.
In one embodiment, above-mentioned the step of opening up credit passage, including：Based on above-mentioned social information, to above-mentioned The step of everyone the social credit score of multiple users is determined；And based on above-mentioned social credit score, The step of being determined to more than one in basic credit line or loan interest rate.
The moneytary operations for being applicable one of present invention embodiment performs method, in addition to：Received from more than one user The more than one debt-credit in the directed lending amount of money and aspired profit waits the step of request；And as to above-mentioned one User more than individual as object and meets that the more than one credit in the above-mentioned amount of the loan and aspired profit is led to The response that road opens up, the step of being offered a loan for user more than said one.
In one embodiment, it is above-mentioned to more than one debtor offer a loan the step of, including：Above-mentioned moneytary operations is held Row system receives the settlement request of the credit passage using the terms of loan information for meeting above-mentioned debtor by external server The step of；And above-mentioned moneytary operations execution system is as the response to above-mentioned settlement request, using meeting above-mentioned debtor's The credit passage of the terms of loan is that above-mentioned debtor offers a loan, and the amount of the loan is paid into the step of arriving shop allied.
In addition, method is performed using the moneytary operations of one of present invention embodiment, in addition to：Above-mentioned debtor is received to be repaid The step of above-mentioned amount of the loan also；And used credit passage pair when the amount of money repaid is paid and offered a loan The step of above-mentioned lender answered.
The computer program of one of present invention embodiment is applicable, for by performing above-mentioned moneytary operations with combination of hardware Execution method, it can be stored in the medium that calculates and can be read.
Invention effect
The moneytary operations execution system and method for the one side of the present invention are applicable, can be by by the fund of offering a loan Unspecific multiple lenders (uploader) set the terms of loan based on social information (social information) And credit passage (credit line) is opened up, and according to the terms of loan to meeting the unspecific more of the credit passage terms of loan Individual debtor (downloader) is offered a loan, and can be settled accounts using the amount of the loan based on credit passage.
Above-mentioned moneytary operations execution system and method, can by based on social information to the letter between users Appoint and quantized, so as to which the existing credit evaluation data based on historical information is supplemented and/or substituted and borrowed This following repaying ability to user is accurately assessed.In addition, carried by using by unspecific multiple lenders The loan fund of confession is that unspecific multiple debtors are offered a loan in a manner of peer-to-peer network (Peer-to-Peer), with it is personal and Existing pattern of lending between mechanism based on loan agreement is different, can be quickly and easily between personal use person Realize and make loans and borrow or lend money.
Brief description of the drawings
Fig. 1 be for the moneytary operations execution system to being applicable one of present invention embodiment summary form illustrate Block figure.
Fig. 2 is the step of action for performing method to the moneytary operations for being applicable one of present invention embodiment illustrates Figure.
Fig. 3 is the user interface (User for the moneytary operations execution system to being applicable one of present invention embodiment Interface；UI the schematic diagram) illustrated.
Fig. 4 is for being opened up using the moneytary operations execution system for being applicable one of present invention embodiment for association user The schematic diagram that the user interface (UI) of credit passage illustrates.
Fig. 5 is for being opened up using the moneytary operations execution system for being applicable one of present invention embodiment using keyword as base The schematic diagram that the user interface (UI) of the credit passage of plinth illustrates.
Fig. 6 is for being opened up using the moneytary operations execution system for being applicable one of present invention embodiment based on project Credit passage the schematic diagram that illustrates of user interface (UI).
Fig. 7 is for being opened up using the moneytary operations execution system for being applicable one of present invention embodiment based on group Credit passage the schematic diagram that illustrates of user interface (UI).
Fig. 8 is for the debt-credit (download) using the moneytary operations execution system for being applicable one of present invention embodiment The schematic diagram that user interface (UI) illustrates.
Fig. 9 is for being said to the settlement process using the moneytary operations execution system for being applicable one of present invention embodiment Bright concept map.
Figure 10 is for entering to the settlement process of the moneytary operations execution system using the another embodiment for being applicable the present invention The concept map of row explanation.
Embodiment
Below, will be described in detail with reference to accompanying drawing to being applicable embodiments of the invention.
Fig. 1 be for the moneytary operations execution system to being applicable one of present invention embodiment summary form illustrate Block figure.
As shown in figure 1, the moneytary operations execution system 1 for being applicable the present embodiment includes account management portion 11, loan enforcement division 12 and user management department 13.In one embodiment, moneytary operations execution system 1 also includes credit rating Rating and Valuation Department 14.In addition, In one embodiment, moneytary operations execution system 1 also includes communication unit 10.
The moneytary operations execution system 1 of each embodiment is applicable, can be all made up of hardware or a part is by hardware Form and a part by software sharing.For example, moneytary operations execution system 1 in this specification and each portion included (unit), can be the data of particular form and content are received and dispatched by electronic communication mode device and with its phase The general designation of the software of pass.In this manual, " portion ", " module (module) ", " server (server) ", " system ", " dress Put " or the term such as " terminal " refer to hardware and the combination by the software of corresponding hardware driving.For example, hardware therein can It is the data processing equipment for including central processing unit (CPU) or other processors (processor).In addition, by hardware driving Process that software refers to be carrying out, object (object), executable file (executable), execution thread (thread of Execution), program (program) etc..
The each portion for the moneytary operations execution system 1 for being applicable each embodiment is formed, is not necessarily meant to refer to physical separation Independent inscape.Although it is to communication unit 10, account management portion 11, loan in Fig. 1 with the independent block mutually separated Money enforcement division 12, user management department 13 and credit rating Rating and Valuation Department 14 are shown, but this is according to by filling accordingly The action of execution is put, the result of simple functional category is carried out to the device for forming moneytary operations execution system 1.Therefore, exist In different embodiments, communication unit 10, account management portion 11, loan enforcement division 12, user management department 13 and credit rating are commented Part or all estimated in portion 14 can be integrated into inside one device of identical.Or communication unit 10, account management portion 11st, more than one provided a loan in enforcement division 12, user management department 13 and credit rating Rating and Valuation Department 14 can also by with other portions The independent device of physical separation is realized, for example, communication unit 10, account management portion 11, loan enforcement division 12, user's management Portion 13 and credit rating Rating and Valuation Department 14 can also be the groups connected in a distributed computing environment in a manner of it can be in communication with each other Part.
The moneytary operations execution system 1 of each embodiment is applicable, can be carried out with more than one user's terminal 2,3 Worked in the state of communication.Using the user of moneytary operations execution system 1, it can be divided into and be made loans one of (upload) Lender (uploader) above and the more than one debtor (downloader) for being borrowed or lent money (download). In Fig. 1, user's terminal 2 refers to device used in lender, and user's terminal 3 refers to device used in debtor.
In this manual, " lending " refers to user by oneself assets (for example, cash, stock, real estate, valuable Security, etc.) be supplied to moneytary operations execution system 1 as security and set the behavior of mortgage, and " lender " refers to be put The user of loan, i.e., the user of mortgage is provided in order to set mortgage.In addition, in this manual, " debt-credit " refers to from goods Coin transaction execution system 1 lends the behavior of cash, and " debtor " refers to the user borrowed or lent money, i.e. borrower.Lender Mutually different user is not necessarily meant to refer to debtor, such as a user can be lender or be to borrow or lend money People.
User's terminal 2,3 can be such as smart mobile phone (smartphone) mobile communication terminal, PC (personal computer), notebook computer (notebook), personal digital assistant (personal digital Assistant, PDA), tablet personal computer (tablet), for IPTV (Internet Protocol Television, IPTV) etc. set top box (set-top box) or other any computing devices.Lender and debtor's energy It is enough to be connected to by using user's terminal 2,3 in moneytary operations execution system 1 and loan of the use based on social information Service.For example, the moneytary operations execution system 1 for being applicable one of present invention embodiment can be with network address and provide website The webserver (web server) of (web site) service, and lender and debtor can be by user's terminals 2nd, the application program (app) and/or web browser (web browser) run on 3 are connected in moneytary operations execution system 1 And utilization of a loan service.Website for the service of offering a loan can utilize HTML (Hyper Text Markup Language, HTML), extensible markup language (Extensible Markup Language, XML), JavaScript object Representation (JavaScript Object Notation, JSON) or other different language are developed, and are not limited to spy Fixed form.
The moneytary operations execution system 1 of each embodiment is applicable after mortgage is set to the assets of lender, with set Based on fixed mortgage specific reserve fund is provided to lender.Reserve fund can either be cash, and also can be can be according to spy Fixed ratio is exchanged into the ideal money of cash.Lender can be by setting with social information to the reserve fund provided for oneself Based on the terms of loan and open up credit passage (credit line).For example, lender can pair with oneself have associate The terms of loan (for example, loan interest rate and basic credit line etc.) of other users of system are set.In addition, lender can also Enough ignore the incidence relation with oneself and to borrowing based on the keyword in the personal information in the social information of users Money condition is set, or the terms of loan are set based on specific project.
In addition, the moneytary operations execution system 1 for being applicable each embodiment please as the debt-credit to more than one debtor The response asked, offered a loan using the reserve fund of more than one lender to debtor.Loan is with set by lender Carried out based on the terms of loan.For example, if lender couple and oneself related specific user specify basic credit line, When above-mentioned specific user is provided a loan as debtor, will be reduced from the reserve fund of lender with lender specified by The basic credit line identical amount of money, and the amount of money reduced is issued to debtor in the form of synthetic gold loan.With keyword or Under the terms of loan based on project, it can also be provided a loan in an identical manner.Next held in debtor to moneytary operations Row system 1 is repaid the loan after capital and interest, and refund will be transferred accounts in the form of cash provides deposit in loan In the financial institution account of the lender of gold.Now, moneytary operations execution system 1 can also deduct specific service charge it Afterwards, only the remaining amount of money is transferred accounts to lender.
It is in more than one debt-credit by the law loan agreement for the moneytary operations execution system for being applicable each embodiment The time point that people is borrowed or lent money comes into force respectively, specifically, can include：(i) the operation people of moneytary operations execution system and debt Business people is the Loan Agreement between each debtor, and (ii) debtor agrees to the operation people of moneytary operations execution system according to above-mentioned Loan agreement transfer the possession of claimable assets arising from loans transfer agree to contract, and (iii) moneytary operations execution system operation people according to above-mentioned Transfer the possession of the claimable assets arising from loans transfer contract that agreement contract transfers the possession of claimable assets arising from loans to more than one lender.Above-mentioned each contract can Signed by moneytary operations execution system in a manner of ecommerce.But the above is merely illustrative content, for completing to borrow The type of the legal contract of money service, the main body of contract and signing mode can be needed using different according to what is actually realized Form, it is not limited to the above.
In one embodiment, moneytary operations execution system 1 includes communication unit 10.Communication unit 10 is held by providing moneytary operations Communication function between row system 1 and user's terminal 2,3 and/or external server 4,5, manage the user subsequently illustrated Portion 13, account management portion 11, loan enforcement division 12 and/or credit rating Rating and Valuation Department 14 being capable of normal works.Utilize communication unit 10 Communication means can include all communication means that object and object can be made to carry out network service, be not limited to wire communication, Radio communication, 3G, 4G or other method.For example, communication unit 10 can by from including LAN (Local Area Network), MAN(Metropolitan Area Network)、GSM(Global System for Mobile Network)、EDGE (Enhanced Data GSM Environment)、HSDPA(High Speed Downlink Packet Access)、W- CDMA(Wideband Code Division Multiple Access)、CDMA(Code Division Multiple Access), TDMA (Time Division Multiple Access), bluetooth (Bluetooth), Wireless Personal Network (Zigbee), adopting wireless fidelity technology (Wi-Fi), VoIP (Voice over Internet Protocol), LTE Advanced, IEEE 802.16m、WirelessMAN-Advanced、HSPA+、3GPP Long Term Evolution(LTE)、Mobile WiMAX(IEEE 802.16e)、UMB(formerly EV-DO Rev.C)、Flash-OFDM、iBurst and MBWA(IEEE 802.20)systems、HIPERMAN、Beam-Division Multiple Access(BDMA)、Wi-MAX(World Interoperability for Microwave Access) and ultrasonic applications communication and form group in select one Communication means more than individual is communicated, but is not limited to this.
The addition that user management department 30 is used to receive the users for needing to use financial service is asked and made to multiple The addition information of user is managed, while receives the social information of users.In this manual, " social information " refers to A series of related of incidence relation between each independent user and above-mentioned users with personal information Information.In one embodiment, user management department 3 can pass through the application programming interfaces (Application of respective service Programming Interface；API), the types of facial makeup in Beijing operas (Facebook) filled in when being added from users, spy is pushed away (Twitter) independent social networking service (the Social Networking Service such as；SNS server 4) receives social activity Information.In addition, the personal identification that user management department 13 can also receive users in a manner of independently of existing SNS is related Related information between information and/or users, so as to build required social information.
In addition, user management department 13 can also receive the financial institution account information of users.User management department 13 can receive the accounts information of bank and other financial mechanism when users add, and by with financial institution server 5 it Between communication and corresponding account is verified.The financial institution account of users is with using moneytary operations execution system 1 Each user association, as the cash in account is converted into when user turns into lender to be used for the service of offering a loan Reserve fund or the interest payment corresponding to the amount of the loan of debtor will be supplied to be used to lender etc. based on reserve fund Way uses.
The user that account management portion 11 is used to become lender sets mortgage to assets, and by with set mortgage Based on the reserve fund that determines be issued to lender.In the present note, setting mortgage refer to from lender receive cash and by its Be converted to the situation that reserve fund is paid.For example, when lender needs the financial institution of oneself that will be associated with financial service When part or all in remaining sum in account is converted to reserve fund, account management portion 11 is by from financial institution's account of lender It is indoor that the corresponding amount of money for being converted into reserve fund will be needed to transfer accounts into the account of currency transaction execution system 1, and will be with being transferred accounts The amount of money it is identical or lender is issued to reserve fund corresponding to specific ratio.In addition, in the process, financial service can also Enough after specific service charge is deducted from transfer amounts, the remaining amount of money is only converted into reserve fund.Or when lender needs When marketable securities, stock, real estate by oneself etc. obtain reserve fund as security, account management portion 11 can also pass through electricity Sub- business mode is assessed the value of guaranty and signs mortgage setting contract, and is stored up corresponding with set mortgage Standby gold is issued to lender.
In one embodiment, be issued to the reserve fund of lender, can be set with to by lender as security Fair value (fair value) corresponding to the assets of offer is applicable the discounted cost (haircut value) of special ratios Respective value.Fair value can be that the value of assessment is made by the independent professional person such as bond appraiser or identification teacher, and Discounted cost refers to the value after being reduced by being applicable fair value specific ratio.Between fair value and discounted cost Difference be used to reduce the risk that undertakes needed in the position of the operation people of moneytary operations execution system 1, for example, in currency friendship 80% reserve fund of the fair value that guaranty is provided equivalent to lender can be provided in easy execution system 1.On but State content and be merely illustrative content, in other embodiments also can directly to lender provide be equal to lender provide to The reserve fund of the value of wagering.
Enforcement division 12 of providing a loan is used for the debit request for receiving the user as debtor, and as the debt-credit to being received The response of request, offers a loan to debtor.Provided a loan fund is transferred accounts using the account transfer from moneytary operations execution system 1 To the mode in the financial institution account of debtor, and the amount of the loan with by more than one lender according to allowing to borrow accordingly It is determined based on the reserve fund for the credit passage that the condition that loan people is borrowed or lent money opens up.In addition, the deposit of each lender The use ratio of gold, is determined based on each lender terms of loan set when opening up credit passage.
In this manual, " open up credit passage " and refer to lender in order that debtor can enter to the reserve fund of oneself Row is borrowed or lent money and sets its terms of loan, so as to which execution authority of providing a loan to be assigned to the behavior of moneytary operations execution system 1.It is real as one Example, lender can by pair with itself have associate user (for example, SNS friend or follower) relation other use Persons set its basic credit line and open up credit passage respectively.In addition, now lender can also be to each association user's Loan interest rate is determined.Or each lender can not also go to determine the loan interest rate to associating user, but by goods Coin transaction execution system 1 carries out batch determination.As another example, lender can also be to the personal information of other users In keyword or crucial contamination setting basic credit line, so as to can make to meet associative key or keyword combination The mode that debtor is borrowed or lent money opens up credit passage.Keyword can be such as age, residence, be engaged in industry, graduation institute The information related to personal identification such as school, institutional affiliation, social credit score (Social Credit Score).As another Example, lender can also open up with specific enterprise, specific industry, help impersonal particular items such as difficult neighbours' activity Mesh is the credit passage of object.
Enforcement division 12 of providing a loan can be as the response to debit request, directly the financial institution account Zhi Fuxian to debtor Gold, also can be by the dummy payments in debit request that debtor is proposed to debtor so that debtor can be by it It is re-converted into cash.In this case, when ideal money is converted into cash, moneytary operations execution system 1 can also After specific service charge is deducted, only the remaining amount of money is paid with cash base.
Handled in addition, loan enforcement division 12 can also repay business to the loan fund of debtor.Loan fund Mode of satisfaction (for example, 36 months or 60 months etc.) interior monthly average of pressing will can be repaid as basic repayment side during specific Formula, but it is not limited to this.Furthermore it is possible to allow debtor after being provided a loan and passing through the regular hour (for example, 1 week) Repay the loan fund midway.The loan fund and interest corresponding with loan fund repaid will be by the weights of account management portion 11 Newly pay into the financial institution account of lender.
In the moneytary operations execution system 1 of each embodiment is applicable, credit passage can be likened into such as seed Etc. (torrent) using peer-to-peer network (Peer-to-Peer；P2P) the data transmission of the transportation protocol of mode.Lead in lender Cross the related filter condition of setting association user, keyword, the loan such as project and after opening up credit passage, it is corresponding when meeting Filter condition debtor ask for a loan request when, the reserve fund using lender is automatically performed loan.Although lender Need to set the terms of loan based on social information, but not it should be understood that being which user as borrowing Borrow people to provide a loan to the reserve fund of oneself, similarly, debtor is not also it should be understood that the amount of money oneself provided a loan derives from The reserve fund of which lender.Nonetheless, lender is remained able to by opening up credit passage and from unspecific multiple Debtor obtains the related interest income of reserve fund, and debtor can also meet the credit of itself social information by having opened up The reserve fund of unspecific multiple lenders of passage is easily provided a loan.In addition, the operation people of moneytary operations execution system 1 It can provide with funds to provide a loan for debt-credit people using the reserve fund of lending people in the case where not holding single reserve fund and take Business, and the part in relevant amount is collected during fund conversion or interest payment as service charge.
In one embodiment, debtor can be instantly available loan in the range of the total value to the credit passage oneself opened up Money, and when the amount of money for needing to provide a loan beyond above-mentioned total value or is needed in the premise set to desired specific borrowing rate During lower loan, loan can be carried out and wait request.Because the contract between moneytary operations execution system 1 and debtor is to borrow or lend money Moment come into force, therefore in the case where state is gone up on the stage in debt-credit, loan agreement can't come into force.Next, when other users are to corresponding Debtor when opening up credit passage and making the total value increase of its credit passage, or when other users are with corresponding debtor institute When desired interest rate opens up credit passage, or can be with the desired interest rate of debtor because the credit grade of debtor is lifted When being borrowed or lent money, the amount of money in debt-credit wait state will be automatically performed debt-credit, so as to provide required loan to debtor.
In another embodiment, when the object that is combined as of the keyword in lender personally information or keyword is opened If during credit passage, if lender itself also meets corresponding keyword or crucial contamination, it can also turn into oneself Reserve fund debt-credit object.That is, lender can be by being supplied to moneytary operations execution system 1 by non-cash other assets Reserve fund is obtained as security, oneself is turned into the debtor of the reserve fund of oneself, so as to pass through moneytary operations Execution system 1 obtains synthetic gold loan.
In one embodiment, moneytary operations execution system 1 includes credit rating Rating and Valuation Department 14.Credit rating Rating and Valuation Department 14 is used for The credit rating of each user is assessed in moneytary operations execution system 1, so that it is determined that when each user is as debt-credit Loan interest rate during people.Credit rating Rating and Valuation Department 14 can be led to using by server 5 with external financial mechanism etc. simultaneously Letter and the existing quantitative credit evaluation data that obtains and by moneytary operations execution system 1 to the trust between users The qualitative information to be quantized, the loan interest rate of social credit grade and different social credit grades to each user It is determined.The loan interest rate of different social credit grades, can be as the loan when each lender opens up credit passage The part use of condition.
The purpose of credit evaluation is to assess the repaying ability in future, and existing credit evaluation data has only The problem of being calculated according to the quantitative data of the time lag such as current assets and debt, history income.In contrast, Because the degree of reliability and sense of duty of user etc. can be associated to friend etc. carries out qualitative evaluation, therefore by according to specific Standard (for example, association user number, association user be corresponding user open up credit number of channels, credit Amount in Total of the basic credit line of passage etc.) related information of users is quantized, it can obtain being used to carry out letter With the qualitative information of assessment.Credit rating Rating and Valuation Department 14 can utilize existing credit evaluation data and above-mentioned qualitative information simultaneously, The rational loan interest rate of each user is determined.
For example, credit rating Rating and Valuation Department 14 can be by performing system to existing credit evaluation data and by moneytary operations The assessment information based on social information of system 1 is integrated, so as to social credit score (Social Credit Score；SCS) it is determined.Social credit score can be by carrying out numerical value for the credit of the social information to each user The result of change and existing credit evaluation data are applicable specific weighted value respectively, and it is true to carry out total mode to its result It is fixed.Next, credit rating Rating and Valuation Department 14 is according to specific segment by dividing social credit score, so as to its social credit Grade (Social Credit Rating；SCR) it is determined, then by being believed based on market situation different social activities Different loan interest rates is applicable with grade, so as to social credit curve (Social Credit Curve；SCC) it is determined. For example, social credit grade and social credit curve can determine according to content as shown in table 1 below, but it is not limited to This.
【Table 1】
Fig. 2 is the step of action for performing method to the moneytary operations for being applicable one of present invention embodiment illustrates Figure, Fig. 3 to Fig. 8 are for the user interface (User to performing moneytary operations execution method using moneytary operations execution system Interface；UI the schematic diagram) illustrated, Fig. 9 are for being held using the moneytary operations for being applicable one of present invention embodiment The schematic diagram that one example of the settlement process of row system illustrates.Below, Fig. 2 to Fig. 9 will be combined to being applicable each embodiment Moneytary operations execution system and method be described in more detail.
The representative money transaction execution system 1 of block 1 in Fig. 2, and block 2,3 represents lender and debtor respectively.Such as knot The above that Fig. 1 illustrates is closed, lender and debtor are held by respective user's terminal 2,3 using moneytary operations respectively Row system 1.But for convenience of description, block 2,3 will be utilized respectively in fig. 2 represents putting using respective user's terminal Borrow people and debtor.
As shown in Fig. 2 first in step sl, lender 2 can ask to make loans to moneytary operations execution system 1.Make loans Refer to carry out the behavior of mortgage setting to the assets of lender 2 in moneytary operations execution system 1, be primarily referred to as to hand in currency Part or all in the financial institution account remaining sum for the lender 2 that easy execution system 1 associates is converted to for financial service Reserve fund, or by ecommerce mode in moneytary operations execution system 1 to the stock of lender 2, marketable securities, motionless Production etc. carries out the behavior of mortgage setting.
In step s 2, after request is made loans, moneytary operations execution system 1 will be carried out to the assets for carrying out lending request Mortgage is set, and reserve fund corresponding with set mortgage is issued into lender.When belonging to cash by from lender's Financial institution account transfer now, specific discount ratio is applicable to institute's transfer amounts to the account of currency transaction execution system 1 And/or the amount of money after service charge will be issued to lender as reserve fund.Reserve fund is a kind of for service of offering a loan Ideal money, and reserve fund is issued to lender and specifically refers to protect the reserve fund amount information related with corresponding lender It is stored in the database of moneytary operations execution system 1.
Fig. 3 is for entering to the user interface (UI) using the moneytary operations execution system for being applicable one of present invention embodiment The schematic diagram of row explanation.As shown in the top in Fig. 3, financial machine that lender will can associate with moneytary operations execution system Remaining sum deposit (that is, setting mortgage) in structure account arrives the account of currency transaction execution system, or by moneytary operations execution system In the part that has set in the amount of money of mortgage withdraw the money (that is, the release of mortgage) again into the financial institution account of oneself.In addition, User can carry out lending operation by setting the amount of money (Upload Amount) for needing to make loans, and can also select to perform Repaying (reupload) operation that the amount of money borrowed or lent money oneself is repaid, additionally it is possible to perform giving back loan forward (Pre- Reupload) operate.In addition, user can also be carried out by setting the amount of money (Download Amount) for needing to borrow or lend money Debt-credit operation.On debt-credit user interface (UI), will be described in more detail with reference to Fig. 8.
In addition, in lending user interface (UI) picture, the finance associated with moneytary operations execution system can be shown The remaining sum (Cash) of institution account, ideal money are the reserve fund (" good luck coin (Goodluck in the example shown in Fig. 3 Coin remaining sum) "), corresponding user can claimable assets arising from loans (downloadables) and during repaying and interest rate information, Mortgage (collateral) information, total assets (net asset), corresponding user need repaying (reupload) (that is, to repay Total value (To Reupload) also) and during repaying and liability on loans out of so far 30 days of interest rate information, display (reuploading) amount information that needs to repay of repayment predetermined dollar value, display is from the loan debt within 30 days so far The repayment predetermined dollar value of power can borrow (redownloading) amount information, the total value that can be made loans at present etc. again.As one Example, mortgage are divided into the marketable securities such as stock, bond, deposit mortgage (securities) and automobile mortgage (auto), can Different project information is shown respectively in the form of [amount of money associated at present/whole assesses the amount of money].As shown in Figure 3 Example in, user can carry out cash $ 3,000, marketable securities $ 3,000 and automobile $ 1,000 it is total i.e. $ 7,000 Lending operation.But the mortgage type and display form available for lending are not limited to the form shown in Fig. 3.
In addition, in lending user interface (UI) picture, additionally it is possible to show user from association user (shown in Fig. 3 Example in " types of facial makeup in Beijing operas good friend (Facebook Friends) ") credit passage debt-credit amount of money total value and limit, debt-credit Association user number and associate the total number of persons of user, user from the credit passage debt-credit based on keyword Amount of money total value and limit, user debt-credit the credit passage based on keyword quantity and using user as pair The gold that sum, user as the credit passage that opens up and based on keyword are borrowed or lent money from the credit passage based on project Volume total value and limit, user's debt-credit the credit passage based on project quantity and to meet the project of user Based on the information such as the sum of credit passage, the debt-credit total value of user and limit.
But content is merely illustrative with reference to the above-mentioned user interface (UI) that Fig. 3 is illustrated, the skill with general knowledge Art personnel should be able to be readily appreciated that, according to the form of realizing of financial service, the form actually shown in picture may have Institute is different.
As shown in Fig. 2 in step s3, lender can be that the reserve fund of oneself opens up credit passage, open up credit and lead to Road refers to, can be provided a loan by setting the specific terms of loan based on reserve fund to debtor, bar of providing a loan Part is determined based on social information.For example, can be set by association user to lender basic credit line and/or Loan interest rate and open up credit passage, can also pass through the keyword in the personally identifiable information to users or keyword Combination sets basic credit line and/or loan interest rate and opens up credit passage, additionally it is possible to by specific enterprise, specific row Industry, help project settings basic credit line and/or the loan interest rates such as difficult neighbours' activity and open up credit passage.
It is that the S1 steps for asking lending and the S3 steps for opening up credit passage are carried out with independent step in fig. 2 Diagram, still, the above is merely illustrative content, in other embodiments also can be while asking to make loans to bar of providing a loan Part is set and opens up credit passage.
Fig. 4 is for being opened up using the moneytary operations execution system for being applicable one of present invention embodiment for association user The schematic diagram that the user interface (UI) of credit passage illustrates.
As shown in figure 4, lender can by for each association user (" Taejin " in Fig. 4 and " Taesung ") set certain loan limit in the total value (Total Trust Amount) for opening up credit passage of oneself Volume and open up credit passage.Basic credit line can be applicable identical specified amount (for example, 50) for relevant user, Can be that each association user determines different basic credit lines.For example, lender can be by representing one from each circle The mode of deposit volume is shown in selection circle corresponding with basic credit line in the circular rule (gauge) in UI pictures, and (oblique line represents The circle selected) mode, to it is each association user basic credit line be determined.But the above is merely illustrative Content, for making the user interface (UI) that lender is determined to the basic credit line for associating user also can be different.
In addition, in example as shown in Figure 4, loan interest rate is set to fixed interest rate (6.0%), but in other realities Apply in example, also can be by the way of being directly determined by lender to each loan interest rate for associating user.
In addition, Fig. 5 is for being opened up using the moneytary operations execution system for being applicable one of present invention embodiment with key The schematic diagram that the user interface (UI) of credit passage based on word illustrates.
As shown in figure 5, lender pair corresponding with the personal information in the social information of users can specifically be closed Keyword or crucial contamination set its terms of loan.Personal information can be such as age, residence, be engaged in industry, graduation Universities and colleges, institutional affiliation, social credit score (SCS) etc., lender can be with one or more of above- mentioned informations (for example, occupying Stay in Soul, master's graduation, the combination in conditions such as marketing enterprises work) filter condition is used as, by each debtor's Basic credit line, credit passage can loan ceiling (Credit Line Amount) and/or repayment terms (for example, 36 months press Monthly average is repaid or 60 months by monthly average repayment) etc. set and open up credit passage.
In one embodiment, the credit path setting opened up based on keyword can be applicable fixation by lender Interest rate (for example, 6.0%).But in another embodiment, the credit passage that lender will can be opened up based on keyword Different interest rates based on being set as being applicable the social credit curve (SCC) introduced to combine table 1 in the above.Example Such as, lender can be by setting extension (Spread) interest rate numerical value (example moved in parallel in social credit curve (SCC) Such as, -2.5%) loan interest rate is determined.In this case, it can either make lender that there is to a certain degree interest rate Authority, additionally it is possible to according to the social credit grade of each debtor in the debtor for meeting keyword or crucial contamination And it is applicable different interest rates.
In addition, Fig. 6 is for being opened up using the moneytary operations execution system for being applicable one of present invention embodiment with project Based on credit passage the schematic diagram that illustrates of user interface (UI).
The figure in left side is to represent such as specific enterprise, specific industry, help difficult neighbours' activity particular item in Fig. 6 Purpose figure.But the above is merely illustrative content, project is not necessarily to the Shape Representation using mark, additionally it is possible to Utilize the different Shape Representations that lender can be made to identify item related information.Lender can be by distinguishing each project Set its basic credit line and interest rate and represent trust (Trust) state of oneself and open up the letter using corresponding project as object Use passage.
In addition, Fig. 7 is for being opened up using the moneytary operations execution system for being applicable one of present invention embodiment with group Based on credit passage the schematic diagram that illustrates of user interface (UI).
As shown in fig. 7, lender can by the group including one or more users is set its terms of loan and Open up the credit passage using the group member of relevant groups as object.Group can be by from the users of moneytary operations execution system The automatic users for meeting specific qualification (for example, social credit score (SCS) reaches more than 800 points) selected out are formed, Also can be made up of the users for being directly added into particular demographic.In addition, group can either be the institute for allowing to meet addition condition There is the opening group that user adds, also can be can under the invitation of people or other group members only in society of group The enclosed type group of addition.In addition, can be including the credit passage aggregate limit to relevant groups to the terms of loan of group The credit passage limit (Credit Limit/Person) and loan profit of (Total Credit Limit), each group member Rate (Rate) etc., but it is not limited to this.
In superincumbent content, with reference to Fig. 4 to Fig. 7 to using each association user, keyword, project and group as base The opening up for credit passage of plinth is illustrated.But the above is merely illustrative content, moneytary operations execution system is utilized The form for opening up credit passage is not limited to this.For example, the debit request of each debtor can be respectively transmitted to multiple Lender so that each lender debt-credit purpose specified in debit request, request credit amount, aspired profit and/ Or after repayment terms etc. is examined, using each debit request as object, choose whether to open up credit passage for it.In addition, Even in the case where lender ratifies the debit request of debtor, it is specified in debit request is met that can also select All conditions in the case of open up credit passage, or by the direct directed lending limit of lender, interest rate and/or repaying bar Credit passage is opened up in the case of part etc..
As shown in Fig. 2 in step s 4, moneytary operations execution system 1 receives debit request from more than one debtor, And in step s 5, offered a loan as response using the reserve fund of more than one lender to debtor.Loan be according to Performed by the terms of loan based on social information of lender's setting.For example, as shown in figure 4, utilized in lender above-mentioned User interface (UI) basic credit line is set to specific association user after, ask to borrow or lend money in above-mentioned particular association user When, in the range of in the reserve fund of lender as the basic credit line set by lender, to above-mentioned specific association user Offer a loan.But the direct subject of loan is moneytary operations execution system 1 and debtor 3, its loan specifically passes through From the financial institution account of moneytary operations execution system 1 to the financial institution of the debtor associated with moneytary operations execution system 1 Account is transferred accounts and realized.In addition, in step s 6, it will reduce and borrow in the reserve fund after completing to provide a loan from lender The amount of money identical amount of money of the money to debtor.
Fig. 8 is for the debt-credit user interface using the moneytary operations execution system for being applicable one of present invention embodiment (UI) schematic diagram illustrated.
As shown in figure 8, debtor can pass through (Maturity), debt-credit gold during setting its purpose (Purpose), repaying Volume (Download Amount) etc. and borrowed or lent money, i.e., can complete fund loan.Debtor can be from set in advance specific During selection is repaid in the option (for example, repay or press for 60 months monthly average by monthly average and repay for 36 months) of type, but not It is defined in this.In addition, debtor can also select exclude association user (in example as illustrated in fig. 7 " types of facial makeup in Beijing operas are good Friendly (Facebook Friends) ") borrowed or lent money on the premise of the amount of money made loans.In addition, in debt-credit user interface (UI) The lowest interest rate (Min rate), maximum rate of interest (Max rate), the average rate of profit of credit amount can also be shown in picture (Average rate), monthly refund (Monthly Upload) etc..
In one embodiment, when need the amount of money borrowed or lent money beyond at present can credit amount total value and/or when debtor has During desired specific interest rate condition, debtor can be carried out in the amount of money and acceptable maximum interest rate borrowed or lent money needs Selection debt-credit waits (Wait Download) after setting.In these cases, debtor can also select to exclude association use The amount of money that person is made loans.After this, if can credit amount increase or the credit passage that has interest rate desired by debtor open If or because the credit grade lifting of debtor and when can be borrowed or lent money with the desired interest rate of debtor, can be automatically complete Debt-credit waits the debt-credit of the amount of money in pairs.
As shown in Fig. 2 in the step s 7, set interest rate and repayment terms when debtor 3 is according to debt-credit, by capital Repay and (that is, repay) into currency transaction execution system 1 with interest.Repayment be by by cash from moneytary operations execution system The financial institution account transfer of the debtor 3 of 1 association is completed to the account of currency transaction execution system 1.Next, in step In S8, moneytary operations execution system 1 pays the principal and interest repaid by debtor 3 to lender 2.Similarly, to lender 2 Pay can by by cash from the financial institution account transfer of moneytary operations execution system 1 to moneytary operations execution system 1 association lender 2 financial institution account and complete.Now, moneytary operations execution system 1 can also deduct specific hand After continuing to pay dues, in the financial institution account that only the remaining amount of money is transferred accounts to lender 2.
That is, if illustrated in case of being made loans using cash as guarantee, it is applicable and combines the progress such as Fig. 2 The action of the moneytary operations execution system of the embodiment of explanation, can be organized into state as shown in table 2 below.
【Table 2】
In one embodiment, the step S5 that is offered a loan to the debtor and step S6 for thus reducing reserve fund, it is to make Realized for the part in the settlement process to external server (not shown).With purchaser in the case where not holding cash it is sharp It is similar that the mode of credit card purchase money is paid after buying product or service with credit card on the refund date in the future, in this implementation In example, debtor can be to lend the fund needed for purchase product or service by oneself workable credit passage, and in day The form repaid afterwards to loan fund uses moneytary operations execution system 1.
Fig. 9 is for being said to the settlement process using the moneytary operations execution system for being applicable one of present invention embodiment Bright concept map.
As shown in figure 9, when debtor 3 buys product or service by the external server of the shop allieds such as online store 6, Debtor 3 can select to lend the fund amount of money needed for purchase product or service by oneself lendable credit passage and be used for The mode of clearing.This process can be understood as with present using credit card consumer credit card shop allied buy product or Not cash payment during service and it is similar by way of credit card authorization is settled accounts.
In order to realize the clearing based on credit passage, carried in advance by with fitting in the external server of shop allied 6 Communicated with the moneytary operations execution system 1 of the present embodiment and ask the communication module of clearing.Shop allied 6 with currency by handing over The communication of easy execution system 1 and ask the clearing mandate based on credit passage, when authorization requests by after by product or Service is supplied to debtor 3.As a part for licensing process, the server of shop allied 6 can also receive the debt-credit of request clearing The related authentication information of people 3 is simultaneously sent it in moneytary operations execution system 1.Receiving the knot based on credit passage After calculating request, moneytary operations execution system 1 can be borrowed to the debtor of request clearing by workable credit passage The amount of money of money confirmed, when the amount of money of request clearing be less than it is above-mentioned can the amount of the loan when, provide and ask by credit passage The loan for the identical amount of settlement amounts asked.
In one embodiment, when debtor has the multiple credit passages that can be borrowed or lent money, moneytary operations performs system The credit passage that system 1 will need to be provided a loan according to specific rule selection.For example, moneytary operations execution system 1 can be from loan The relatively low credit passage of money interest rate starts preferentially to lend funds, or limited longer credit passage during repayment lends money Gold.Or when credit passage multiple with terms of loan identical, moneytary operations execution system 1 can be by settlement amounts point Be cut into corresponding credit passage identical quantity, then lend the identical amount of money respectively from multiple credit passages.
After the clearing based on credit passage are authorized, moneytary operations execution system 1 will be according to presetting Cycle or the time to shop allied 6 pay payment for goods.For example, moneytary operations execution system 1 can be in the purchase from product or service The date T+3d that date T begins to pass through after processing time set in advance (for example, 3 days) pays payment for goods to shop allied 6.This can To be interpreted as current credit card processing organization in a manner of the backward shop allied of 3 days credit card authorization pays payment for goods. But the time that the moneytary operations execution system 1 for being applicable the present embodiment is paid to external server 6 is not limited to this. In addition, moneytary operations execution system 1 is according to the payment for goods paid, from the lender 2 for opening up credit passage used in debtor Reserve fund reduce the corresponding amount of money.
Date of the debtor 3 after (for example, one month) during beginning to pass through the tolerance set in advance from Settlement Date That is T+1M, the amount of money settled accounts using credit passage is repaid to moneytary operations execution system 1.This can be understood as current letter Pay the mode of card amount the refund date in every month with card user.Moneytary operations execution system 1 is from debtor 3 Loan it is detailed in reduce the repaid amount of money.In addition, moneytary operations execution system 1 will be corresponding with the refund of debtor 3 The amount of money pay to lender 2 financial institution account.
In the settlement process using credit passage, settled accounts relative to debtor 3 using credit passage in shop allied 6 Amount of money A, the actual delivery of moneytary operations execution system 1 may be relatively fewer to the amount of money B in shop allied 6.This can be understood as mesh After consumer is settled accounts using credit card, shop allied can not obtain preceding credit card shop allied from credit card processing organization All expenses settled accounts, and the mode of the remaining sum after deduction specifically joins service charge can only be accessed.At this In the case of kind, the amount of money corresponding to the difference between settlement amounts A and payment B can be converted into moneytary operations execution The interests of system 1, lender 2 or more than one main body in debtor 3, so as to promote to utilize moneytary operations execution system 1 Clearing activity.
For example it is assumed that it is 1,000,000 won that debtor 3 is settled accounts to the amount of money A in shop allied 6 using credit passage, and currency The amount of money B that transaction execution system 1 pays in shop allied 6 is 970,000 won.Now, entered as debtor 3 using credit passage The compensation of row clearing, it is now preferential to give 10,000 won return, therefore debtor only needs to deduct from settlement amounts A and returned Remaining 990,000 won of C after amount in cash are repaid to moneytary operations execution system 1.Lead in addition, providing credit as lender 2 The compensation in road, can be that it pays 980,000 won of D that the amount of money B paid to shop allied 6 adds 10,000 won of reward gifts again.Debtor 3 990,000 won of C of refund and pay lender 2 980,000 won of D of the amount of money between difference, then will turn into moneytary operations The profit of the operation people of execution system 1.As a result, settled accounts by using credit passage, will be from 30,000 caused by shop allied 6 Won profit be equally distributed to moneytary operations execution system 1, lender 2 and debtor 3.But such as above-mentioned example Described profit distribution mode is merely illustrative content, and each embodiment for being applicable the present invention is not any side to the present invention The restriction that face is made.When by being applicable the moneytary operations execution system of one of present invention embodiment by credit channel application in clearing When in activity, the respective expectation earning rate of the operation people of lender, debtor and moneytary operations execution system are by utilizing letter Accounting procedure expense, interest-free loan when being settled accounts using credit passage collected when being settled accounts with passage whether provide and During offer and the compound determination of many factors such as loss late, and can be carried out by the operation people of moneytary operations execution system it is appropriate Adjustment, therefore certain specific form will not be defined to.
It is direct with the settlement module in the server of shop allied 6 in the examples detailed above illustrated with reference to Fig. 9 Communicated with moneytary operations execution system 1 and complete to be illustrated in case of clearing.But the above is simply The example content for facilitating and providing of explanation, carry out settlement request mandate using credit passage and pay the process of payment for goods, It can also be realized by the server of other more than one external settlement relative subjects.
Figure 10 is for entering to the settlement process of the moneytary operations execution system using the another embodiment for being applicable the present invention The concept map of row explanation.
As shown in Figure 10, in the shop allied 6 that can be settled accounts using credit passage, it can match somebody with somebody to be ready for use on and be settled accounts Point of sale management (Point of Sales；POS equipment) is read or by service type software (Software as a Service； SaaS) the reading equipment that enterprise provides., can be by using above-mentioned reading equipment pair and mesh using the clearing activity of credit passage The mode or asked using electronic equipments such as mobile phones in above-mentioned reading equipment that card in kind as preceding credit-card type is read out The mode of clearing is realized.In the present embodiment, by with as current credit-card type by credit card issuer company distribution can Illustrated exemplified by the form in kind blocked settled accounts using credit passage.
When receiving the settlement request using credit passage, the server of shop allied 6 or the POS being provided in shop allied 6 Device etc. reads equipment and authorizes the server request clearing to settlement process company (payment processor) 7, and settles accounts Processing company 7 will can ask knot to distribution using the server of the card issuing company 8 for the card that credit passage is settled accounts Calculate and authorize.By being communicated with moneytary operations execution system 1, moneytary operations execution system 1 can be to asking for card issuing company 8 The amount of money that asking the debtor 3 of clearing can be provided a loan by credit passage confirmed, when the amount of money of application clearing is less than can Clearing mandate can be carried out during the amount of money of loan.Clearing authorize detail will be again through card issuing company 8 and settlement process Company 7 is delivered to shop allied 6, and shop allied 6 can provide product and/or service confirming the rear of clearing mandate to debtor 3.
In addition, moneytary operations execution system 1 pays the amount of money for asking clearing to card issuing company 8, and card issuing Company 8 transfers the amount of money paid to pay settlement process company 7.In addition, settlement process company 7 turns the fund paid And sales slip management company 9 is paid, and sales slip management company 9 will be according to cycle set in advance or time to shop allied 6 Pay payment for goods.For example, sales slip management company 8 can begun to pass through from the purchase date T of product or service it is set in advance Date T+3d after processing time (for example, 3 days) pays payment for goods to shop allied 6.
In above process, settlement process company 7, card issuing company 8 and sales slip management company 9 can respectively from A part of service charge is collected in the amount of money of payment, so as to promote the clearing activity using the credit passage for being applicable the present embodiment.This Outside, pay the fund of correlation to the time of card issuing company 8 by moneytary operations execution system 1, incited somebody to action by card issuing company 8 Related fund pays the time of settlement process company 7 and pays the fund of correlation to sales by settlement process company 7 The time of menu manager company 9, it can be determined according to the contract between relative subject.In addition, the fund of each main body is paid Formality rate that time and each main body are collected etc. may be different from other main bodys.
Clearing relative subject included in the above-described embodiment illustrated with reference to Figure 10 is merely illustrative content, is Realize the settlement function using credit passage, i.e. it is not necessary to ask independent settlement process company 7, card issuing company 8, And sales slip management company 9 is present.For example, card issuing company 8 and sales slip management company 9 can in other examples It is identical same mechanism, or settlement process company 7 and card issuing company 8 can be identical same mechanisms.
In the moneytary operations execution system of above-described embodiment is applicable, one in the action of more than one portion (unit) Point it can be realized by computer program, and can be recorded in can be by recording medium that computer is read out.Suitable In recording medium with each embodiment, record has the action for realizing the more than one portion in moneytary operations execution system Program, above-mentioned recording medium, which includes preserving, to be filled by any type of records of the data that computer is read out Put.Deposited for example, ROM, RAM, CD-ROM, tape, floppy disk, wide data can be included by the recording medium that computer is read out Storage device etc., in addition to by way of the realization of carrier wave (carrier wave) (for example, transmission using internet) form.This Outside, be able to can be distributed in the computer system by network connection by the recording medium that computer is read out, energy It is enough to preserve and perform the code that be read out by computer in a distributed fashion.In addition, with the affiliated technology neck of this fact Example The technical staff of the general knowledge in domain should be able to be readily appreciated that functional programs, code and generation for realizing the present embodiment Code section (segment).
In the above, with reference to accompanying drawing to being illustrated using embodiments of the invention, but the above is only to show Example property content, the personnel with the general knowledge of the technical field of the invention can carry out various modifications and embodiment to it Deformation.But deformation as described above should be interpreted that within the scope of the technical protection of the present invention.Therefore, it is of the invention Real technical protection scope should be determined by the technological thought of appended claims.
Industrial applicability
Each embodiment is related to a kind of moneytary operations based on social information (social information) and performed System, method and its computer program, more particularly to a kind of letter that can be to be quantized to the trust between users Credit passage (credit line) is opened up based on breath and is provided a loan based on this, so as to utilize with credit passage Based on the amount of the loan moneytary operations execution system, method and its computer program settled accounts.

Claims (19)

  1. A kind of 1. moneytary operations execution system, it is characterised in that including：
    User management department, for preserving the social information of multiple users；
    Account management portion, received from the more than one lender in above-mentioned multiple users and request set to the mortgage of assets, And reserve fund is provided to above-mentioned lender based on set mortgage according to the setting request of above-mentioned mortgage；And
    Loan enforcement division, the lender more than said one, which receives the related terms of loan information of reserve fund and opens up credit, leads to Road, and offered a loan to the more than one debtor for the terms of loan information for meeting opened up credit passage.
  2. 2. moneytary operations execution system according to claim 1, it is characterised in that：
    Above-mentioned social information includes the related information between above-mentioned multiple users, everyone individual of above-mentioned multiple users One in group information belonging to information, the project information associated with above-mentioned multiple users and above-mentioned multiple users with On.
  3. 3. moneytary operations execution system according to claim 2, it is characterised in that：
    Above-mentioned terms of loan information is believed with above-mentioned related information, above-mentioned personal information, above-mentioned project information and above-mentioned group Set based on more than one in breath, including more than one in basic credit line, loan interest rate and repayment terms.
  4. 4. moneytary operations execution system according to claim 3, it is characterised in that：
    Above-mentioned terms of loan information include the basic credit line, the loan interest rate that are set to the association user of above-mentioned lender with And more than one in repayment terms.
  5. 5. moneytary operations execution system according to claim 3, it is characterised in that：
    Above-mentioned terms of loan information includes the loan set to the keyword in above-mentioned personal information or crucial contamination More than one in limit, loan interest rate and repayment terms.
  6. 6. moneytary operations execution system according to claim 1, it is characterised in that also include：
    Credit rating Rating and Valuation Department, based on above-mentioned social information, to everyone the social credit score of above-mentioned multiple users It is determined,
    Wherein, above-mentioned terms of loan information states basic credit line determined based on social credit score or more including more than and states society Hand over more than one in the loan interest rate determined based on credit score.
  7. 7. moneytary operations execution system according to claim 1, it is characterised in that：
    Above-mentioned loan enforcement division from more than one user receive one in the directed lending amount of money and aspired profit with On debt-credit wait request, then as to as object and meeting above-mentioned loan gold using above-mentioned more than one user The response that more than one credit passage in volume and aspired profit opens up, loan is provided for user more than said one Money.
  8. 8. moneytary operations execution system according to claim 1, it is characterised in that：
    Above-mentioned loan enforcement division is received by external server is led to using the credit for the terms of loan information for meeting above-mentioned debtor The settlement request in road, then as the response to above-mentioned settlement request, utilize the terms of loan information for meeting above-mentioned debtor Credit passage is that above-mentioned debtor offers a loan, and the amount of the loan is paid and arrives shop allied.
  9. 9. moneytary operations execution system according to claim 8, it is characterised in that：
    Above-mentioned loan enforcement division is after the above-mentioned amount of the loan that above-mentioned debtor is repaid is received, the amount of money branch that will be repaid Used credit passage corresponding above-mentioned lender when paying with offering a loan.
  10. 10. a kind of moneytary operations performs method, it is characterised in that including：
    Moneytary operations execution system receives from the more than one lender in multiple users and sets request to the mortgage of assets The step of；
    Above-mentioned moneytary operations execution system is asked based on set mortgage to above-mentioned lender according to the setting of above-mentioned mortgage The step of providing reserve fund；
    Lender of the above-mentioned moneytary operations execution system more than said one is received with the social information of above-mentioned multiple users Based on the related terms of loan information of reserve fund and the step of open up credit passage；And
    Above-mentioned moneytary operations execution system meets the terms of loan information of opened up credit passage into above-mentioned multiple users The step of more than one debtor offers a loan.
  11. 11. moneytary operations according to claim 10 performs method, it is characterised in that：
    Above-mentioned social information includes the related information between above-mentioned multiple users, everyone individual of above-mentioned multiple users One in group information belonging to information, the project information associated with above-mentioned multiple users and above-mentioned multiple users with On.
  12. 12. moneytary operations according to claim 11 performs method, it is characterised in that：
    Above-mentioned terms of loan information is believed with above-mentioned related information, above-mentioned personal information, above-mentioned project information and above-mentioned group Set based on more than one in breath, including more than one in basic credit line, loan interest rate and repayment terms.
  13. 13. moneytary operations according to claim 12 performs method, it is characterised in that：
    Above-mentioned terms of loan information include the basic credit line, the loan interest rate that are set to the association user of above-mentioned lender with And more than one in repayment terms.
  14. 14. moneytary operations according to claim 12 performs method, it is characterised in that：
    Above-mentioned terms of loan information includes the loan set to the keyword in above-mentioned personal information or crucial contamination More than one in limit, loan interest rate and repayment terms.
  15. 15. moneytary operations according to claim 10 performs method, it is characterised in that：
    Above-mentioned the step of opening up credit passage, including：
    Based on above-mentioned social information, the step that is determined to everyone the social credit score of above-mentioned multiple users Suddenly；And
    Based on above-mentioned social credit score, the step of being determined to more than one in basic credit line or loan interest rate.
  16. 16. moneytary operations according to claim 10 performs method, it is characterised in that also includes：
    Above-mentioned moneytary operations execution system is received in the directed lending amount of money and aspired profit from more than one user The step of more than one debt-credit waits request；And
    Above-mentioned moneytary operations execution system using above-mentioned more than one user as to as object and meeting above-mentioned loan gold The response that more than one credit passage in volume and aspired profit opens up, offered a loan for user more than said one The step of.
  17. 17. moneytary operations according to claim 10 performs method, it is characterised in that：
    It is above-mentioned to more than one debtor offer a loan the step of, including：
    Above-mentioned moneytary operations execution system is received by external server and utilizes the terms of loan information for meeting above-mentioned debtor The step of settlement request of credit passage；And
    Above-mentioned moneytary operations execution system utilizes the terms of loan for meeting above-mentioned debtor as the response to above-mentioned settlement request Credit passage offer a loan for above-mentioned debtor, and the amount of the loan is paid into the step of arriving shop allied.
  18. 18. moneytary operations according to claim 17 performs method, it is characterised in that also includes：
    Above-mentioned moneytary operations execution system receives the step of above-mentioned amount of the loan that above-mentioned debtor is repaid；And
    Above-mentioned moneytary operations execution system when the amount of money repaid is paid with offering a loan used credit passage it is corresponding Above-mentioned lender the step of.
  19. A kind of 19. computer program being stored in medium, it is characterised in that：
    By and hardware combination, perform
    The step of request is set to the mortgage of assets is received from the more than one lender in multiple users；
    The step of reserve fund is provided to above-mentioned lender based on set mortgage according to the setting request of above-mentioned mortgage；
    Lender more than from said one receives the reserve fund correlation based on the social information of above-mentioned multiple users Terms of loan information and the step of open up credit passage；And
    The more than one debtor for meeting the terms of loan information of opened up credit passage into above-mentioned multiple users provides The step of loan.
CN201680021377.2A 2015-04-15 2016-03-17 Moneytary operations execution system, method and its computer program based on social information Pending CN107430745A (en)

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PCT/KR2016/002706 WO2016167482A1 (en) 2015-04-15 2016-03-17 Social information-based fund transaction execution system, method, and computer program

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CN109166027A (en) * 2018-07-02 2019-01-08 阿里巴巴集团控股有限公司 A kind of loaning bill contract processing method and processing device
CN110390553A (en) * 2018-04-20 2019-10-29 威亮有限公司 Investment public offering system for working capital
CN110796538A (en) * 2019-10-28 2020-02-14 深圳前海微众银行股份有限公司 Processing method and device of loan service data, terminal equipment and storage medium
CN113643126A (en) * 2021-08-30 2021-11-12 陈亮 Guarantee software for small amount borrowing and repayment

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CN106156941B (en) * 2016-06-06 2018-01-23 腾讯科技（深圳）有限公司 A kind of user credit scoring optimization method and device
CN113537950A (en) * 2021-08-20 2021-10-22 支付宝(杭州)信息技术有限公司 Project processing method and device

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Publication number Priority date Publication date Assignee Title
CN110390553A (en) * 2018-04-20 2019-10-29 威亮有限公司 Investment public offering system for working capital
CN109166027A (en) * 2018-07-02 2019-01-08 阿里巴巴集团控股有限公司 A kind of loaning bill contract processing method and processing device
CN110796538A (en) * 2019-10-28 2020-02-14 深圳前海微众银行股份有限公司 Processing method and device of loan service data, terminal equipment and storage medium
CN113643126A (en) * 2021-08-30 2021-11-12 陈亮 Guarantee software for small amount borrowing and repayment

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