CN113938885A - Method and device for contracting cash-back loan - Google Patents
Method and device for contracting cash-back loan Download PDFInfo
- Publication number
- CN113938885A CN113938885A CN202111204977.1A CN202111204977A CN113938885A CN 113938885 A CN113938885 A CN 113938885A CN 202111204977 A CN202111204977 A CN 202111204977A CN 113938885 A CN113938885 A CN 113938885A
- Authority
- CN
- China
- Prior art keywords
- user
- spouse
- contract
- information
- repayment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000000034 method Methods 0.000 title claims abstract description 39
- 238000012790 confirmation Methods 0.000 claims abstract description 23
- 238000009825 accumulation Methods 0.000 claims abstract description 21
- 238000004590 computer program Methods 0.000 claims description 16
- 238000012795 verification Methods 0.000 claims description 10
- 238000011010 flushing procedure Methods 0.000 claims description 2
- 230000010365 information processing Effects 0.000 claims description 2
- 238000012545 processing Methods 0.000 abstract description 6
- 238000010586 diagram Methods 0.000 description 11
- 230000008569 process Effects 0.000 description 8
- RWSOTUBLDIXVET-UHFFFAOYSA-N Dihydrogen sulfide Chemical compound S RWSOTUBLDIXVET-UHFFFAOYSA-N 0.000 description 4
- 230000006870 function Effects 0.000 description 4
- 238000012015 optical character recognition Methods 0.000 description 3
- 238000000605 extraction Methods 0.000 description 2
- 238000011160 research Methods 0.000 description 2
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 239000000126 substance Substances 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Images
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
Abstract
The invention discloses a repayment signing method and a device, relating to the technical field of finance; wherein the method comprises the following steps: receiving a repayment signing request submitted by a user based on the 5G message; the purchase-repayment contract request carries a marriage certificate photo of the user; acquiring identity information of a user and a spouse of the user according to the marriage certificate photo; determining the repayment signing sequence of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user; when the user and the public accumulation fund account information of the user spouse meet the signing conditions, sending confirmation information for transacting the repayment signing contract to the user and the user spouse by using 5G information according to the repayment signing sequence of the user and the user spouse; after receiving the user, and the user's spouse submitted with the 5G message: and after the command of the contract of the charge and repayment is confirmed, the contract of the charge and repayment is transacted for the user. The invention can improve the processing efficiency of the credit and debit and improve the user experience.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a method and a device for making a contract for credit and debit.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, when a couple transacts a deposit fund payment and repayment contract, because the contract and the verification of the deposit fund accounts of the couple are involved, the couple has to differentiate a principal lender and a subordinate lender, and transact with a deposit fund trusted bank or a deposit fund management center at the same time, the process is long, and the user experience is poor.
Disclosure of Invention
The embodiment of the invention provides a credit contract method, which is used for transacting credit contract for couples by using 5G information without transacting the credit contract by both the couples on-line and off-line platforms, simplifies the transaction process of the credit contract, improves the transaction efficiency of the credit contract and improves the user experience, and comprises the following steps:
receiving a repayment signing request submitted by a user based on the 5G message; wherein, the counteroffer credit contract request carries the marriage certificate photo of the user;
acquiring identity information of the user and a spouse of the user according to the marriage certificate photo;
determining the repayment signing sequence of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user;
when the user and the public deposit account information of the user's spouse meet the contract conditions, sending confirmation information of transacting, making a repayment and signing to the user and the user's spouse by using 5G information according to the repayment and signing sequence of the user and the user's spouse;
upon receipt of the user, and submission of the user's spouse using a 5G message: and after the command of the contract of the charge and repayment is confirmed, the contract of the charge and repayment is transacted for the user.
The embodiment of the invention also provides a device for contracting the credit for the couples to handle the credit by using the 5G message, which does not need the two parties of the user to simultaneously handle the credit on an off-line platform, simplifies the transaction process of the credit, improves the transaction efficiency of the credit and improves the experience of the user, and the device comprises:
the receiving module is used for receiving a repayment signing request submitted by a user based on the 5G message; wherein the signing request carries a marriage certificate photo of the user;
the identity information acquisition module is used for acquiring the identity information of the user and the spouse of the user according to the wedding license photo;
the loan information acquisition module is used for determining the repayment signing sequence of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user;
the contract information confirmation module is used for sending confirmation information of transacting, flushing and repaying contract signing to the user and the spouse of the user by using 5G information according to the repayment and signing sequence of the user and the spouse of the user when the user and the public accumulation fund account information of the spouse of the user meet the contract conditions;
a subscription information transaction module, configured to, upon receiving the user and the user spouse submitted using a 5G message: and after the command of the contract of the credit is confirmed, the contract information of the credit is transacted for the user.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the repayment signing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the above-mentioned credit repayment signing method.
In the embodiment of the invention, a repayment signing request submitted by a user based on a 5G message is received; wherein the signing request carries a marriage certificate photo of the user; acquiring the information of the user and the spouse of the user according to the marriage certificate photo; determining the repayment signing sequence of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user; when the user and the public deposit account information of the user's spouse meet the contract conditions, sending confirmation information for transacting the repayment contract to the user and the user's spouse by using 5G information according to the repayment contract sequence of the user and the user's spouse; upon receipt of the user, and submission of the user's spouse using a 5G message: and after the command of the contract of the charge and repayment is confirmed, the contract of the charge and repayment is transacted for the user. Therefore, the 5G message is utilized to help the user to transact the Chong and repayment contract, the process of transacting the Chong and repayment by the user is simplified, the couple and the partner do not need to jointly go to an offline transaction point, the couple and the partner can complete the transaction only by respectively utilizing the 5G message to confirm and verify, the Chong and repayment transaction efficiency is improved, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a counteroffer loan subscription method according to an embodiment of the present invention;
fig. 2 is a flowchart of a method for determining a repayment subscription order of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user according to the embodiment of the present invention;
fig. 3 is a flowchart of a method, provided in an embodiment of the present invention, for receiving a submission of the user and the user spouse by using a 5G message: after the command of the contract of the credit and debit is confirmed, a flow chart of a method for transacting the contract of the credit and debit for the user is shown;
fig. 4 is a schematic diagram of an impulse loan contract-signing apparatus according to an embodiment of the present invention;
fig. 5 is a schematic diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
The research shows that when a couple transacts a deposit and repayment contract, because the contract and the verification of the deposit accounts of the couple have distinction between a principal lender and a subordinate lender, the couple transacts in a deposit trusted bank or a deposit management center at the same time, the process is long, and the user experience is poor.
In view of the above research, an embodiment of the present invention provides a flowchart of a counteroffer loan subscription method, as shown in fig. 1, including:
s101: receiving a repayment signing request submitted by a user based on the 5G message; wherein, the counteroffer credit contract request carries the marriage certificate photo of the user;
s102: acquiring identity information of the user and a spouse of the user according to the marriage certificate photo;
s103: determining the repayment signing sequence of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user;
s104: when the user and the public deposit account information of the user's spouse meet the contract conditions, sending confirmation information of transacting, making a repayment and signing to the user and the user's spouse by using 5G information according to the repayment and signing sequence of the user and the user's spouse;
s105: upon receipt of the user, and submission of the user's spouse using a 5G message: and after the command of the contract of the charge and repayment is confirmed, the contract of the charge and repayment is transacted for the user.
In the embodiment of the invention, a repayment signing request submitted by a user based on a 5G message is received; wherein the signing request carries a marriage certificate photo of the user; acquiring the information of the user and the spouse of the user according to the marriage certificate photo; determining the repayment signing sequence of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user; when the user and the public deposit account information of the user's spouse meet the contract conditions, sending confirmation information for transacting the repayment contract to the user and the user's spouse by using 5G information according to the repayment contract sequence of the user and the user's spouse; upon receipt of the user, and submission of the user's spouse using a 5G message: and after the command of the contract of the charge and repayment is confirmed, the contract of the charge and repayment is transacted for the user. Therefore, the 5G message is utilized to help the user to transact the Chong and repayment contract, the process of transacting the Chong and repayment by the user is simplified, the couple and the partner do not need to jointly go to an offline transaction point, the couple and the partner can complete the transaction only by respectively utilizing the 5G message to confirm and verify, the Chong and repayment transaction efficiency is improved, and the user experience is improved.
The following describes details of S101 to S105.
As for the above S101, the making-repayment contract signing request carries a wedding certificate photo of the user, where the wedding certificate photo includes, for example, a picture obtained by image capture of the wedding certificate by the user.
For the above S102, the identity information includes, for example, an identification number, a wedding time, and the like.
Specifically, when the identity information of the user and the spouse of the user is acquired from the wedding license film, for example, the following method may be adopted: the wedding certificate photo of the user is subjected to Optical Character Recognition (OCR), and the identity certificate number of the user is acquired based on the Optical Character Recognition result.
With reference to the foregoing S103, as shown in fig. 2, a flowchart of a method for determining a repayment subscription order of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the user and the public fund account information of the spouse of the user according to the embodiment of the present invention is shown:
s201: inquiring repayment accounts corresponding to the loans and repayment signing sequences of the repayment accounts according to the identity information of the user and the spouse of the user;
s202: and acquiring the public accumulation fund account information of the user according to the identity information of the user, and acquiring the public accumulation fund information of the user spouse according to the identity information of the spouse of the user.
For example, in S104, when the user and the public deposit account information of the spouse of the user satisfy the contract condition, the method may be adopted to send confirmation information of transacting the cash-out and loan contract to the user and the spouse of the user by using a 5G message according to the repayment and contract order of the user and the spouse of the user:
and when the balance of the user and the public deposit account of the spouse of the user are both greater than a first preset threshold value and the states of the user and the public deposit account of the spouse of the user are both normal, sending confirmation information of transacting and repaying contract subscription to the user and a principal lender in the spouse of the user by using 5G messages according to the repayment subscription sequence, and after the principal lender feeds back an instruction of confirming transacting and repaying contract subscription, sending the confirmation information of transacting and repaying contract subscription to a secondary lender by using the 5G messages.
Here, the normal account status of the user and the user's spouse includes, for example: and the user and the public deposit account of the spouse of the user are not in a sealed state.
With respect to the above S105, as shown in fig. 3, for the embodiment of the present invention, after receiving the user and submitting the user spouse by using a 5G message: after the command of transacting the contract of credit and loan is confirmed, the flow chart of the method for transacting the contract of credit and loan for the user comprises the following steps:
s301: upon receiving the user submission with a 5G message: after the command of the order of the credit and debit contract is confirmed, acquiring first face information of the user by using 5G information, and receiving a handwritten signature uploaded by the user by using the 5G information after the first face information passes verification;
s302: upon receipt of the user spouse submission with a 5G message: after the command of dealing with the repayment contract is confirmed, acquiring second face information of the spouse of the user by using 5G information, and receiving a handwritten signature uploaded by the spouse of the user by using the 5G information after the second face information passes verification;
s303: and transacting the credit-making contract for the user.
Therefore, the user transacts the order of the credit and debit according to the first face information of the user, the handwritten signature uploaded by the user, the second face information of the user spouse and the handwritten signature uploaded by the second user, and the security and the accuracy of the order of the credit and debit transacted by the user are improved.
In addition, because the deposit and withdrawal service and the accumulation fund extraction service are mutually exclusive, that is, if the user transacts the deposit and withdrawal service, the accumulation fund extraction service cannot be transacted.
In addition, in order to further improve the flexibility of the credit and debit business, in another embodiment of the present invention, after the identity information of the user and the spouse of the user is obtained according to the marriage certificate photo, a default repayment bank account of the user and the spouse of the user is obtained according to the identity information of the user and the spouse of the user; and after the user is transacted with a charge and repayment contract, when the balance of the user and the public deposit account of the user spouse is less than a second preset threshold value, sending a prompt message for recharging the default repayment bank account of the user to the user by using a 5G message, and sending a prompt message for recharging the default repayment bank account of the user to the spouse of the user by using a 5G message.
Therefore, timely repayment of the user can be guaranteed, and the user experience degree is improved.
The embodiment of the invention also provides a credit repayment signing device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to that of the credit-making and contracting method, the implementation of the device can be referred to that of the credit-making and contracting method, and repeated parts are not described again.
As shown in fig. 4, a schematic diagram of a credit repayment signing apparatus provided in an embodiment of the present invention includes: a receiving module 401, an identity information obtaining module 402, a loan information obtaining module 403, a subscription information confirming module 404, and a subscription information handling module 405; wherein the content of the first and second substances,
a receiving module 401, configured to receive a repayment subscription request submitted by a user based on a 5G message; wherein the signing request carries a marriage certificate photo of the user;
an identity information obtaining module 402, configured to obtain identity information of the user and a spouse of the user according to the wedding license photo;
a loan information obtaining module 403, configured to determine, according to the identity information of the user and the spouse of the user, a repayment signing order of the user and the spouse of the user, and obtain the public accumulation fund account information of the user and the spouse of the user;
a contract information confirming module 404, configured to send, according to the repayment contract sequence of the user and the spouse of the user, confirmation information of transacting a repayment contract to the user and the spouse of the user by using a 5G message when the user and the public accumulation fund account information of the spouse of the user meet the contract condition;
a subscription information transaction module 405, configured to, upon receipt of the user and submission by the user spouse using a 5G message: and after the command of the contract of the credit is confirmed, the contract information of the credit is transacted for the user.
In a possible implementation manner, the subscription information confirming module 404 is specifically configured to send, according to the repayment subscription order, confirmation information of transacting and repayment subscription to the user and a principal lender in the spouse of the user by using a 5G message when the balance of the user and the public deposit account of the spouse of the user are both greater than a first preset threshold and the states of the user and the public deposit account of the spouse of the user are both normal, and send, after the principal lender feeds back an instruction of confirming transacting and repayment subscription, the confirmation information of transacting and repayment subscription to the secondary lender by using a 5G message.
In one possible implementation, the subscription information transaction module 405 is specifically configured to, upon receiving a submission from the user using a 5G message: after the command of the order of the credit and debit contract is confirmed, acquiring first face information of the user by using 5G information, and receiving a handwritten signature uploaded by the user by using the 5G information after the first face information passes verification; upon receipt of the user spouse submission with a 5G message: after the command of dealing with the repayment contract is confirmed, acquiring second face information of the spouse of the user by using 5G information, and receiving a handwritten signature uploaded by the spouse of the user by using the 5G information after the second face information passes verification; and transacting the credit-making subscription information for the user.
In a possible embodiment, the contract information transaction module 405 is further configured to mark the user and the user spouse's fund account as an unrecoverable status after transacting the counteroffer contract for the user.
In a possible implementation manner, the loan information obtaining module 402 is further configured to obtain a default repayment bank account of the user and the user spouse according to the identity information of the user and the user spouse;
the contract information processing module 405 is further configured to send, to the user, prompt information for charging the default repayment bank account of the user by using a 5G message after processing a make-and-pay contract for the user and when the balances of the user and the user spouse's accumulation account are less than a second preset threshold, and send, to the user spouse, prompt information for charging the user spouse's default repayment bank account by using a 5G message.
Based on the aforementioned inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored on the memory 510 and executable on the processor 520, wherein the processor 520 executes the computer program 530 to implement the aforementioned credit-making and debit-signing method.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the above-mentioned credit repayment signing method.
In the embodiment of the invention, a repayment signing request submitted by a user based on a 5G message is received; wherein the signing request carries a marriage certificate photo of the user; acquiring the information of the user and the spouse of the user according to the marriage certificate photo; determining the repayment signing sequence of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user; when the user and the public deposit account information of the user's spouse meet the contract conditions, sending confirmation information for transacting the repayment contract to the user and the user's spouse by using 5G information according to the repayment contract sequence of the user and the user's spouse; upon receipt of the user, and submission of the user's spouse using a 5G message: and after the command of the contract of the charge and repayment is confirmed, the contract of the charge and repayment is transacted for the user. Therefore, the 5G message is utilized to help the user to transact the Chong and repayment contract, the process of transacting the Chong and repayment by the user is simplified, the couple and the partner do not need to jointly go to an offline transaction point, the couple and the partner can complete the transaction only by respectively utilizing the 5G message to confirm and verify, the Chong and repayment transaction efficiency is improved, and the user experience is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. A repayment credit signing method is characterized by comprising the following steps:
receiving a repayment signing request submitted by a user based on the 5G message; wherein, the counteroffer credit contract request carries the marriage certificate photo of the user;
acquiring identity information of the user and a spouse of the user according to the marriage certificate photo;
determining the repayment signing sequence of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user;
when the user and the public deposit account information of the user's spouse meet the contract conditions, sending confirmation information of transacting, making a repayment and signing to the user and the user's spouse by using 5G information according to the repayment and signing sequence of the user and the user's spouse;
upon receipt of the user, and submission of the user's spouse using a 5G message: and after the command of the contract of the charge and repayment is confirmed, the contract of the charge and repayment is transacted for the user.
2. The method as claimed in claim 1, wherein when the user and the spouse account information of the user satisfy the contract conditions, sending confirmation information for transacting the credit contract to the user and the spouse of the user by using a 5G message according to the repayment contract sequence of the user and the spouse of the user, comprises:
and when the balance of the user and the public deposit account of the spouse of the user are both greater than a first preset threshold value and the states of the user and the public deposit account of the spouse of the user are both normal, sending confirmation information of transacting and repaying contract subscription to the user and a principal lender in the spouse of the user by using 5G messages according to the repayment subscription sequence, and after the principal lender feeds back an instruction of confirming transacting and repaying contract subscription, sending the confirmation information of transacting and repaying contract subscription to a secondary lender by using the 5G messages.
3. The impulse credit contract method of claim 1, wherein upon receipt of the user and submission of the user's spouse using a 5G message: after the instruction of the contract of the credit payment is confirmed, the contract of the credit payment is transacted for the user, and the contract of the credit payment comprises the following steps:
upon receiving the user submission with a 5G message: after the command of the order of the credit and debit contract is confirmed, acquiring first face information of the user by using 5G information, and receiving a handwritten signature uploaded by the user by using the 5G information after the first face information passes verification;
upon receipt of the user spouse submission with a 5G message: after the command of dealing with the repayment contract is confirmed, acquiring second face information of the spouse of the user by using 5G information, and receiving a handwritten signature uploaded by the spouse of the user by using the 5G information after the second face information passes verification;
and transacting the credit-making contract for the user.
4. The method for a debit/credit contract according to claim 1, further comprising, after said debit/credit contract is transacted for said user:
and marking the user and the public accumulation account of the user spouse as an unretractable state.
5. The method of claim 1, wherein after obtaining the identity information of the user and the user's spouse from the wedding photograph, further comprising:
acquiring the user and a default repayment bank account of the user spouse according to the identity information of the user and the spouse of the user;
after the user is transacted with the repayment contract, the method further comprises the following steps:
and when the balance of the user and the public deposit account of the user spouse is smaller than a second preset threshold value, sending a prompt message for recharging the default repayment bank account of the user to the user by using a 5G message, and sending a prompt message for recharging the default repayment bank account of the user to the spouse of the user by using a 5G message.
6. An order-repaying/lending contract-signing apparatus, comprising:
the receiving module is used for receiving a repayment signing request submitted by a user based on the 5G message; wherein the signing request carries a marriage certificate photo of the user;
the identity information acquisition module is used for acquiring the identity information of the user and the spouse of the user according to the wedding license photo;
the loan information acquisition module is used for determining the repayment signing sequence of the user and the spouse of the user according to the identity information of the user and the spouse of the user, and acquiring the public accumulation fund account information of the user and the spouse of the user;
the contract information confirmation module is used for sending confirmation information of transacting, flushing and repaying contract signing to the user and the spouse of the user by using 5G information according to the repayment and signing sequence of the user and the spouse of the user when the user and the public accumulation fund account information of the spouse of the user meet the contract conditions;
a subscription information transaction module, configured to, upon receiving the user and the user spouse submitted using a 5G message: and after the command of the contract of the credit is confirmed, the contract information of the credit is transacted for the user.
7. The apparatus according to claim 6, wherein the contract information confirmation module is specifically configured to send confirmation information for transacting the counteroffer contract to the user and a principal lender in the spouse of the user by using a 5G message according to the repayment contract order when the balance of the user's and the spouse's account of the user is greater than a first preset threshold and the states of the user's and the spouse's account of the user's and the spouse's are normal, and send confirmation information for transacting the counteroffer contract to the secondary lender by using a 5G message after the principal lender feeds back an instruction for confirming the transacting the counteroffer contract.
8. The redemption credit contract-making apparatus of claim 6, wherein the contract information transaction module is specifically configured to, upon receipt of a 5G message submission by the user: after the command of the order of the credit and debit contract is confirmed, acquiring first face information of the user by using 5G information, and receiving a handwritten signature uploaded by the user by using the 5G information after the first face information passes verification;
upon receipt of the user spouse submission with a 5G message: after the command of dealing with the repayment contract is confirmed, acquiring second face information of the spouse of the user by using 5G information, and receiving a handwritten signature uploaded by the spouse of the user by using the 5G information after the second face information passes verification;
and transacting the credit-making subscription information for the user.
9. The redemption payment signing apparatus of claim 6, wherein the subscription information transacting module is further configured to mark the user and the user's spouse's fund account as unavailable after transacting the redemption payment signing for the user.
10. The credit-repayment signing device of claim 6, wherein the loan information obtaining module is further configured to obtain a default repayment bank account of the user and the user spouse according to the identity information of the user and the user spouse;
and the contract information processing module is further used for sending a prompt message for recharging the default repayment bank account of the user to the user by using a 5G message and sending a prompt message for recharging the default repayment bank account of the user to the spouse of the user by using a 5G message when the balance of the user and the public deposit account of the spouse of the user is less than a second preset threshold after the user is processed with a credit and debit contract.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111204977.1A CN113938885B (en) | 2021-10-15 | 2021-10-15 | Method and device for paying and signing |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111204977.1A CN113938885B (en) | 2021-10-15 | 2021-10-15 | Method and device for paying and signing |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN113938885A true CN113938885A (en) | 2022-01-14 |
| CN113938885B CN113938885B (en) | 2024-04-16 |
Family
ID=79279802
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111204977.1A Active CN113938885B (en) | 2021-10-15 | 2021-10-15 | Method and device for paying and signing |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113938885B (en) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108389123A (en) * | 2018-02-12 | 2018-08-10 | 中科柏诚科技（北京）股份有限公司 | A kind of internet syndicated loan system and method |
| CN110135850A (en) * | 2019-04-12 | 2019-08-16 | 深圳壹账通智能科技有限公司 | A kind of information processing method and relevant apparatus |
| WO2020098084A1 (en) * | 2018-11-13 | 2020-05-22 | 平安科技（深圳）有限公司 | Processing method and apparatus for loan service, and computer device |
| CN111311395A (en) * | 2020-02-12 | 2020-06-19 | 中国建设银行股份有限公司 | Management system, method, equipment and storage medium for public accumulation fund repayment business |
| CN113112349A (en) * | 2021-05-08 | 2021-07-13 | 中国建设银行股份有限公司 | Cross-center punching loan repaying method, device, equipment and storage medium |
-
2021
- 2021-10-15 CN CN202111204977.1A patent/CN113938885B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108389123A (en) * | 2018-02-12 | 2018-08-10 | 中科柏诚科技（北京）股份有限公司 | A kind of internet syndicated loan system and method |
| WO2020098084A1 (en) * | 2018-11-13 | 2020-05-22 | 平安科技（深圳）有限公司 | Processing method and apparatus for loan service, and computer device |
| CN110135850A (en) * | 2019-04-12 | 2019-08-16 | 深圳壹账通智能科技有限公司 | A kind of information processing method and relevant apparatus |
| CN111311395A (en) * | 2020-02-12 | 2020-06-19 | 中国建设银行股份有限公司 | Management system, method, equipment and storage medium for public accumulation fund repayment business |
| CN113112349A (en) * | 2021-05-08 | 2021-07-13 | 中国建设银行股份有限公司 | Cross-center punching loan repaying method, device, equipment and storage medium |
Non-Patent Citations (2)
| Title |
|---|
| 刘国强;: "住房公积金管理系统与银行业务联网接口功能设计及实施", 科技视界, no. 05, 15 February 2013 (2013-02-15) * |
| 赵弘;: "住房公积金冲还贷系统的设计与实现", 企业家天地下半月刊(理论版), no. 12, 15 December 2008 (2008-12-15) * |
Also Published As
| Publication number | Publication date |
|---|---|
| CN113938885B (en) | 2024-04-16 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110009489B (en) | Asset transfer method and device based on block chain and electronic equipment | |
| CN110033377B (en) | Asset sorting method and device based on block chain and electronic equipment | |
| CN108596619B (en) | Transaction method, device, central node and system for blockchain system | |
| CN110020936B (en) | Asset management method and device based on block chain and electronic equipment | |
| CN110020948B (en) | Asset tracing method and device based on block chain and electronic equipment | |
| CN105354745A (en) | Processing method of data information, data information processing platform and management platform | |
| CN107358524B (en) | Method for leveling funds among multiple account management lines in same currency | |
| CN110033370B (en) | Account creation method and device, electronic equipment and storage medium | |
| CN105389488A (en) | Identity authentication method and apparatus | |
| CN110659983A (en) | Bank accounting data processing method and device, electronic equipment and storage medium | |
| CN1679057A (en) | Methods and systems for effecting payment card transactions | |
| CN110009492B (en) | Block chain transaction method and device, electronic equipment and storage medium | |
| CN110009323B (en) | Block chain transaction method and device, electronic equipment and storage medium | |
| CN113938885A (en) | Method and device for contracting cash-back loan | |
| WO2020063180A1 (en) | Transaction processing method and device, electronic device and computer-readable storage medium | |
| WO2022054007A1 (en) | System and method for facilitating direct trading of electronic transactions | |
| RU2705772C1 (en) | Method and system for executing a repo transaction in a distributed registry | |
| CN109102381B (en) | Accounting processing method and device | |
| CN113938413B (en) | Bank card sharing method and device based on block chain | |
| CN110634064A (en) | Financial borrowing and lending method and system based on big data technology | |
| CN115796883A (en) | Capital processing method and device | |
| CN112769878B (en) | Service implementation system and method based on block chain | |
| CN115526722A (en) | Method and device for processing transaction of making positive | |
| CN115883139A (en) | Method and device for issuing digital debit card | |
| JP6426573B2 (en) | Payment agent support system and payment agent support method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |