CN111667353A - Account and debt right transfer supervision system - Google Patents
Account and debt right transfer supervision system Download PDFInfo
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- CN111667353A CN111667353A CN201910172304.9A CN201910172304A CN111667353A CN 111667353 A CN111667353 A CN 111667353A CN 201910172304 A CN201910172304 A CN 201910172304A CN 111667353 A CN111667353 A CN 111667353A
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- 238000007726 management method Methods 0.000 description 11
- 238000012544 monitoring process Methods 0.000 description 10
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- 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
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- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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
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Abstract
The invention discloses a receivable and debt right transfer supervision system, which belongs to the technical field of financial services and comprises three supervision service terminals, namely a bank prison, a security prison and a financial office. The server side comprises a service pushing and inquiring module for supervising data pushed to the creditor management company by each organization; the business acceptance query module is used for supervising whether the creditor business data accepted by each management company is real and effective; the creditor issuing and inquiring module is used for supervising the condition that each management company issues accounts receivable creditor certificates (contracts) to the creditors passing the acceptance and examination; the creditor right transfer inquiry module is used for supervising the issued creditor right transfer condition; the creditor buyback inquiry module is used for supervising the condition that the issued creditor is due and the buyback of the initial creditor or the debtor is buyback; the real-time traffic query module is used for supervising the conditions of the total amount of the credit, the number of strokes and the like accepted by the credit management company; and the agreement and method inquiry module is used for supervising the contract signing conditions of banks, guarantee companies, insurance companies and the like with the credit management company.
Description
Technical Field
The invention relates to the technical field of financial services, in particular to a receivable payment and debt right transfer supervision system.
Background
The account receivable creditor right transfer service relates to a plurality of information of participating main bodies such as registration systems in suppliers, core enterprises, governments, banks, insurance institutions, guarantee companies and central bank credit investigation centers, and relates to a plurality of information system data sources such as ERP (enterprise resource planning) of the core enterprises, credit investigation data of the credit investigation centers, enterprise news, public company notices and the like.
Disclosure of Invention
The invention aims to provide an accounts receivable and debt right transfer supervision system, which is used for improving the accounts receivable and debt right transfer supervision efficiency and ensuring that accounts receivable and debt transfer business can be safely and normally carried out in the supervision range.
In order to achieve the above object, the present invention provides a receivable payment/debt right transfer monitoring system, which comprises: the system comprises a banking and supervision server, a security and supervision server and a financial office supervision server;
the bank prison supervision service end is used for supervising the credit information related to bank approval in the credit transfer business;
the insurance supervision service end is used for supervising the claim information related to the acceptance of the insurance company in the claim transfer business;
and the financial handling supervision service end is used for supervising the related credit information accepted by the guarantee company of the credit transfer service.
Furthermore, the server side is provided with a service pushing query module, a service accepting query module, a credit issuing query module, a credit transfer query module, a credit buyback query module, a real-time service volume query module and a protocol and method query module;
the business pushing and inquiring module is used for inquiring the credit business information condition pushed to the credit management company by the bank in the belonged supervision range;
the business acceptance query module is used for querying acceptance conditions of credit increase of the creditor transfer business by a credit pre-granting mechanism or a credit increase mechanism in the belonged supervision range;
the credit granting and inquiring module is used for inquiring the information of granting the credit to the credit transfer service by a credit pre-granting mechanism or a credit adding mechanism in the supervision range;
the creditor transfer inquiry module is used for inquiring the transfer condition of the issued creditor in the supervision range;
the creditor buyback inquiry module is used for inquiring the condition of the due creditor buyback when the issued creditor is due at the buyback date;
the real-time traffic query module is used for querying the traffic accepted by the credit management company associated with the current login bank prison supervision server, the insurance prison supervision server and the financial handling supervision server;
and the protocol and method inquiry module is used for inquiring the contract signing conditions of the institutions supervised by the banking and prison supervision server, the insurance prison supervision server and the financial handling supervision server and the credit management company.
Further, the credit company traffic comprises cumulatively calibrated credit amount, cumulatively issued credit amount, cumulatively buyback amount, and cumulatively purchased credit amount and credit stock amount.
Compared with the prior art, the invention has the following technical effects: in the invention, in the process of transferring the creditor, the departments of guaranty, bank prison, local government finance and the like supervise the branches of insurance, bank, guaranty and receivable account creditor management companies. By monitoring data of procedures such as credit acceptance, credit accreditation, credit examination, credit issue, credit transfer, credit pledge, credit financing and the like, the monitoring efficiency of the charge and credit transfer service corresponding to the supervision authorities such as the guarantor, the bank prison, the financial office and the like can be improved, and the safe and continuous healthy development of the transfer service can be guaranteed.
Drawings
The following detailed description of embodiments of the invention refers to the accompanying drawings in which:
fig. 1 is a schematic structural diagram of an account receivable/debt transfer monitoring system.
Detailed Description
To further illustrate the features of the present invention, refer to the following detailed description of the invention and the accompanying drawings. The drawings are for reference and illustration purposes only and are not intended to limit the scope of the present disclosure.
As shown in fig. 1, the embodiment discloses an account receivable/debt transfer monitoring system, which includes a monitoring server 30 for monitoring the transfer service of the debt.
It should be noted that the credit transfer supervision in the present embodiment may also supervise transfer of accounts receivable and credit vouchers (contracts). The receivable debt certificate (contract) refers to the cooperation of the units with professional receivable debt certificate (contract) circulation business operation experience and qualification approved by the relevant ministry of the country, such as the qualified receivable debt management company, the mediation organization and the like, and is a paper or electronic certificate (contract) issued by the receivable debt certificate (contract) circulation system for carrying out integrated credit increase and debt relation confirmation on the receivable. The accounts receivable creditor certificate (contract) is not a portfolio.
It should be noted that the whole system includes five layers, namely, a basic device layer, a data service layer, an application support layer, an application logic layer, and a presentation layer, and the basic device layer includes a server/network, an operating system, a database, and middleware. The operating system supports various operating systems such as windows, Unix, Linux, Solaris and the like; middleware supports Jboss, Weblogic, Websphere, Tomcat, and the like; the database adopts various advanced databases such as DB2, Oracle, Sqlserver, mysql, sybase and the like to store, calculate and analyze data. The client is arranged in the presentation layer, and each functional module set by the client is arranged in the application logic layer.
Further, the server 30 includes a banking and supervision server, a insurance and supervision server and a financial office supervision server;
the bank prison supervision service end is used for supervising the credit information related to bank approval in the credit transfer business;
the insurance supervision service end is used for supervising the claim information related to the acceptance of the insurance company in the claim transfer business;
and the financial handling supervision service end is used for supervising the related credit information accepted by the guarantee company of the credit transfer service.
It should be noted that the bank supervision service end can know the detailed information of all accounts receivable and debt right business support banks through the system, supervise the bank loan support of the accounts receivable and debt right transfer business and ensure the support function of the bank loan corresponding to the accounts receivable and debt right transfer business.
The insurance supervision service end can know the detailed information of all accounts receivable and debt right business support insurance units through the system, and plays a supervision role in the compensation and guarantee of the accounts receivable and debt right transfer business.
The financial handling supervision service end can know the information of the related guarantee company through the system, supervise the guarantee activities in the transaction of receiving the accounts and the liabilities, and ensure the compliance and the effective operation of the guarantee company.
The embodiment is used for the division supervision of insurance, bank, guarantee and receivable account/debt management companies by utilizing departments such as a guaranty, a bank supervisor, a local government finance office and the like. The method improves the supervision efficiency of the received account and debt right transfer business of supervision agencies such as the guarantor, the bank prison, the finance office and the like, and ensures the safety and the continuous development of the transfer business.
Further, the server 30 is provided with a service push query module 31, a service acceptance query module 32, a credit issuing query module 33, a credit transfer query module 34, a credit buyback query module 35, a real-time traffic query module 36 and a protocol and method query module 37;
the business pushing and inquiring module 31 is used for inquiring the business information condition pushed to the credit management company by the bank in the monitoring range, and includes: pushing information such as date, initial creditor, debtor, application amount, current business progress condition, accessory information and the like;
the business acceptance query module 32 is used for querying banks or insurance companies or guarantee organizations within the monitoring range of the user, and the business conditions of credit increase service participation of the business, including business acceptance date, initial creditor, debtor, application amount, current business progress and accessory information provided by the application business, are taken as the pre-credit-granting organizations or credit-increase organizations of the business;
the creditor right issuing and inquiring module 33 is used for inquiring banks or insurance companies or guarantee organizations within the monitoring range of the user, which are used as pre-credit-granting organizations or credit-granting organizations of the business, providing credit-granting services for the business, completing the examination and approval of each link of the creditor right, and issuing creditor right record information after generating corresponding creditor right codes. The method comprises the following steps of (1) creditor code, initial registration date, creditor amount, related application approval accessories and certificate issuing accessories;
the creditor transfer inquiry module 34 is used for inquiring about banks, insurance companies or guarantee organizations within the user supervision range, which are used as pre-credit-granting organizations or credit-adding organizations of businesses, and after the businesses complete approval and normally issue and generate creditor vouchers, records of mutual transfer (including transfer registration and pledge registration) of the vouchers among system members are obtained. The method comprises the following steps of (1) including information such as transfer registration date, credit code, credit amount, issuer, transferee and attachment data of the credit and transfer registration contract;
the creditor buyback inquiry module 35 is used for inquiring banks, insurance companies or guarantee organizations within the user supervision range, which are used as pre-credit-granting organizations or credit-increasing organizations of businesses, the businesses complete examination and approval and normally issue to generate creditor vouchers, the vouchers are mutually circulated among system members, and when the vouchers reach buyback dates, initial creditors or creditors fulfill commitments and buyback creditors are subjected to buyback creditor record conditions. The method comprises the following steps: basic information of the bond and the current buyback progress state of the bond can be checked;
the real-time traffic query module 36 is configured to query currently logged-in credit management companies associated with the bank supervision department, the security supervision department, or the financial office user, and count, in real time, 4 traffic amounts by the system according to current traffic conditions of the management companies, where: accumulating the approved credit amount, the accumulated issued credit amount, the accumulated repurchase credit amount and the credit stock amount;
the agreement and method inquiry module 37 is used for inquiring the signing conditions of the institutions supervised by the currently logged-in banking supervision department or security supervision department or financial office user and various creditor management companies, including the information of signing related accessory materials, signing time, contacts, states and the like.
It should be noted that the content of the supervision department in the system includes the following aspects:
(1) and (4) supervision by a guardian: the insurance supervision department monitors the credit detail information of the insurance company credit increase supported by all accounts receivable and credit transfer services in real time through the system, and plays a role in supervising the compensation and guarantee of the accounts receivable and credit transfer services;
(2) supervision by a bank prison: the bank supervision department monitors the detailed information of all accounts receivable and debt right business support banks in real time through the system, supervises the bank loan support of the accounts receivable and debt right transfer business and ensures the support function of the bank loan corresponding to the accounts receivable and debt right transfer business;
(3) finance management: the finance office monitors the information of the related guarantee company in real time through the system, supervises the guarantee activities in the transaction of receiving the accounts and the creditor right, and ensures the compliance and the effective operation of the guarantee company.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.
Claims (3)
1. A receivable payment and debt right transfer supervision system comprises a bank prison supervision server, a security prison supervision server and a financial handling supervision server;
the bank prison supervision service end is used for supervising the credit information related to bank approval in the credit transfer business;
the insurance supervision service end is used for supervising the claim information related to the acceptance of the insurance company in the claim transfer business;
and the financial handling supervision service end is used for supervising the related credit information accepted by the guarantee company of the credit transfer service.
2. The accounts receivable and debt right transfer supervision system according to claim 1, wherein the supervision server is provided with a service pushing query module, a service accepting query module, a debt right issuing query module, a debt right transfer query module, a debt right buyback query module, a real-time traffic query module and a protocol and method query module;
the business pushing and inquiring module is used for inquiring the credit business information condition pushed to the credit management company by the organization in the belonged supervision range;
the business acceptance query module is used for querying acceptance conditions of credit increase of the creditor transfer business by a credit pre-granting mechanism or a credit increase mechanism in the belonged supervision range;
the credit granting and inquiring module is used for inquiring the information of granting the credit to the credit transfer service by a credit pre-granting mechanism or a credit adding mechanism in the supervision range;
the creditor transfer inquiry module is used for inquiring the transfer condition of the issued creditor in the supervision range;
the creditor buyback inquiry module is used for inquiring the creditor buyback condition when the issued creditor is due at the buyback date;
the real-time traffic query module is used for querying the traffic of the creditor companies related to the current login bank prison supervision server, the insurance prison supervision server and the financial handling supervision server;
and the protocol and method inquiry module is used for inquiring the contract signing conditions of the institutions supervised by the banking and prison supervision server, the insurance prison supervision server and the financial handling supervision server and the credit management company.
3. The accounts receivable claim flow escrow system of claim 1, wherein the creditor business volume includes cumulatively calibrated creditor amount, cumulatively issued creditor amount, cumulatively buybacked-back creditor amount, and creditor inventory amount.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910172304.9A CN111667353A (en) | 2019-03-07 | 2019-03-07 | Account and debt right transfer supervision system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910172304.9A CN111667353A (en) | 2019-03-07 | 2019-03-07 | Account and debt right transfer supervision system |
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| CN111667353A true CN111667353A (en) | 2020-09-15 |
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| CN201910172304.9A Pending CN111667353A (en) | 2019-03-07 | 2019-03-07 | Account and debt right transfer supervision system |
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| CN107392776A (en) * | 2017-07-24 | 2017-11-24 | 山西大同大学 | A kind of system applied to common customer Investment ＆ Financings |
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2019
- 2019-03-07 CN CN201910172304.9A patent/CN111667353A/en active Pending
Patent Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101853446A (en) * | 2010-05-24 | 2010-10-06 | 李建锋 | Management system, platform, module and method of electronic current account and relevant service |
| US20140162598A1 (en) * | 2010-11-17 | 2014-06-12 | Antony-Euclid C. Villa-Real | Customer-controlled instant-response anti-fraud/anti-identity theft devices (with true- personal identity verification), method and systems for secured global applications in personal/business e-banking, e-commerce, e-medical/health insurance checker, e-education/research/invention, e-disaster advisor, e-immigration, e-airport/aircraft security, e-military/e-law enforcement, with or without NFC component and system, with cellular/satellite phone/internet/multi-media functions |
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Application publication date: 20200915 |