TWM595286U - Debt transfer matchmaking platform - Google Patents

Abstract

A creditor's right transfer intermediary platform, stored in a computer device and connected to at least one investment-end device with computer function and at least one transfer-end device via a network, including a transaction database, a creditor's rights operation unit, and a review operation Unit, a shelf unit, a transfer transaction unit and a settlement unit; the creditor's right operation unit receives a creditor's right transfer application data executed from the transfer terminal device; the review operation unit is used to review the creditor's right transfer application data and decide whether to undertake Debt transfer transaction of application information for creditor's rights; the listing unit is used to display the creditor's right transfer transaction; the transfer transaction unit is used to provide at least one investor to perform a creditor's rights subscription operation through the investment-end device and according to whether the investor is within a preset period Payment is made to decide whether to continue to undertake creditor's rights transfer transactions; the settlement unit is used to receive creditor's rights subscription operations to generate a subscription order, and generates a subscription progress data according to the subscription order. In this way, it is provided that the holder of the creditor's right can transfer the creditor's right after purchasing the creditor's right, increasing the flexibility of the creditor's right transaction.

Description

Debt transfer matchmaking platform

This creation is about a matchmaking platform for the transfer of creditor's rights, especially about an investor who can transfer the debt after the purchase of the creditor's rights and get back the subscription funds, and at the same time provide the investment target of most new investors, so as to carry out the original investor and majority The creditor's rights of the matchmaker between the new investors are transferred to the matchmaker platform.

Those who need funds generally choose to borrow from a bank. This is because the interest rate and risk of borrowing in a bank are lower and safer, but they must undergo strict identity and repayment ability audits before they can conduct transactions. Therefore, most people or Small and medium-sized enterprises are faced with a funding gap, and when they want to borrow from a bank, they will face difficulties in obtaining the necessary funds. Therefore, in addition to banks, there are also private lending channels that can obtain financing to meet market demand; and for these private financing institutions, although they can obtain business in other private lending markets, the funds of private financing institutions will be lost fluidity.

Therefore, a debt trading investment platform that can be used by creditors and investors to trade has emerged in the investment market. Investors can seek suitable debt investment targets, and creditors can also obtain available funds. However, if you invest in a creditor's rights trading platform to purchase creditor's rights, the term of the creditor's rights usually ranges from 6 months to 24 months, because the borrower has agreed the loan period when establishing the loan contract. If the investment member needs to temporarily use funds, The borrower will not be able to partially repay the repayment for investors to use. In addition, since the debts invested and purchased on the current debt trading investment platform generally do not have a generally tradable and transferable market, investors’ funds will lose liquidity within the term of the debt.

In view of this, the purpose of this creation is to provide a matchmaking platform for the transfer of creditor's rights, to provide creditor holders (that is, original investors) who want to re-transfer the creditor's rights after purchasing the creditor's rights, which can be used to transfer the creditor's rights and retrieve the subscription funds. At the same time, provide the investment targets of most new investors to match between the original investors and most of the new investors; in addition, the debt transfer matchmaking platform can also be integrated with the traditional debt trading investment platform, The platform operator can use this method to obtain more service fee income, which combines the utilization and liquidity of funds, which can be said to have the effect of benefiting the original investor, new investor and the platform itself. .

In order to achieve the purpose of cost creation, a credit transfer platform provided by this creation is stored in a computer device and connected to at least one investment-end device with computer function and at least one transfer-end device via a network. The creditor's right transfer matchmaking platform includes: a transaction database, a creditor's rights operation unit, a review operation unit, a shelf unit, a transfer transaction unit, and a settlement unit; the creditor's right operation unit is used to receive a creditor's right through the transfer A creditor's right transfer application data executed by the terminal device and storing the creditor's right transfer application data in the transaction database; the review operation unit is connected to the transaction database to receive the creditor's right transfer application data and the creditor's right transfer application Review the data and determine whether to undertake a credit assignment transaction on the credit assignment application information; the shelf unit is connected to the review operation unit to provide the credit holder’s investment return rate for the credit right and the upper limit of the investment amount Set up, and display the debt transfer transaction after the setting is completed; the transfer transaction unit is connected to the shelf unit to provide at least one investor to perform a debt subscription operation through the investment-end device and based on whether the investor is within a preset period The internal payment conditions are set to determine whether the review operation unit decides whether to continue to undertake the credit assignment transaction; the settlement unit is connected to the transfer transaction unit and the transaction database to receive the credit subscription operation of the investment-end device to generate A subscription order, and update the transaction database according to the subscription order to generate a subscription progress data; wherein the application information for credit assignment includes the subscription amount, period and investment return rate of one of the credit assignment transactions.

According to an embodiment of the present invention, wherein the subscription progress data includes a subscription progress ratio, the subscription progress ratio is the ratio between the investor's capital contribution and the investment amount set by the creditor.

According to an embodiment of the present invention, when the total amount of capital contributed by the investor does not reach the price of the credit assignment transaction within the preset period, the review operation unit executes the cancellation of the credit assignment transaction.

According to an embodiment of the present invention, when the total amount of investment of the investor has reached the price of the credit assignment transaction within the preset period, the credit assignment transaction is transmitted to the settlement unit, and the settlement unit judges the pre-payment Whether all investors paid the investment money within the set time limit and remitted the investor's payment to the creditor.

According to an embodiment of the present invention, it further includes a registration/login unit connected to the shelf unit, the transfer transaction unit, and the settlement unit, and the creditor and the investor can register through the registration/login unit. become member.

According to an embodiment of the present invention, which further includes an investment matching unit, the investment matching unit and the transaction database are both capable of receiving a plurality of investment demand data from the investment-end device; the investment matching unit is based on each investment The demand data is calculated and compared with the application data of the creditor's rights in the transaction database to find one matching result of the creditor's right application data that meets the investment demand data, and the matching result is displayed on the shelf unit.

According to an embodiment of the present invention, the investment demand data includes at least one or more of the foregoing information including the date of listing, review status, investment amount per period, and the debtor’s personal credit, income, and debt ratio.

According to an embodiment of the present invention, it further includes a data encryption processing unit, which is connected to the review operation unit to receive the creditor's right transfer application data determined by the reviewer's work unit to be undertaken, and performs the creditor's right transfer application data Data encryption.

According to an embodiment of the present invention, wherein the data encryption processing unit encrypts the data on the creditor's right transfer application data, including the hiding of the creditor's rights holder's data and the partial hiding of credit procedures or information.

According to an embodiment of the present invention, wherein the settlement unit can set a payment hesitation period, if the investor fails to pay within the payment hesitation period, the settlement unit determines that the investor gives up the subscription order and sends information to the transfer The transaction unit enables the transfer transaction unit to release the investment quota corresponding to the investor; if the investor pays within the payment hesitation period, the settlement unit sends a creditor's right assignment agreement to these investors.

The following is a detailed description of the composition and technical content of the mediator platform for the transfer of claims related to this creation, and detailed explanations with reference to the drawings attached to the text; however, this creation is of course not limited to the listed These examples, drawings or detailed descriptions are only.

In addition, those familiar with this technology should also understand that the listed embodiments and accompanying drawings are provided for reference and description only, and are not intended to limit this creation; those that can be easily implemented based on these records Creations that have been modified or modified are also deemed to be within the scope of the spirit and purpose of this creation, and of course, such creations are also included in the scope of patent applications for this creation.

First of all, the purpose of this creation is to provide a trading platform where the original investor can transfer the credit after purchasing the credit. Please refer to FIG. 1, which shows an embodiment of the credit matching platform for this creation. The credit transfer platform 100 of this creation is stored in a computer device, and is connected to at least one transfer-end device A and at least one investment-end device B with computer functions via a network E. In detail, the “transfer device A” in this embodiment refers to a computer or electronic device with network function operated by a creditor with capital requirements; the “investment device B” refers to a creditable right to subscribe for credit A computer or electronic device with Internet access that is operated by the investors. For example, it may include personal computers, tablet computers (PAD), smart phones, PDAs, and other electronic devices that have computer software to execute. This creation is not limited.

The credit transfer platform 100 of this creation performs data processing operations on the server host to communicate with multiple transfer-end devices A and multiple investment-end devices B, respectively, and the credit transfer platform 100 and the transfer-end device A and The data transmission method of the investment-end device B is different according to the mutually compatible hardware architecture. Specifically, it can be achieved by conforming to data transmission technologies such as Ethernet, 3G, Wi-Fi, or 4G LTE.

The creditor's right transfer matchmaking platform 100 includes a creditor's rights operation unit 10, a review operation unit 20, a shelf unit 30, a transfer transaction unit 40 and a settlement unit 50, and a transaction database 200. Specifically, the credit operation unit 10 is connected to the transaction database 200 to receive a credit transfer application data executed by a credit holder through the transfer device A, and store the credit transfer application data in the transaction In the database 200; the review operation unit 20 is connected to the transaction database 200 to receive application data from the credit assignment and review the application for credit assignment, and determine whether to undertake the assignment of credit on the application for credit assignment Transaction; the shelf unit 30 is connected to the review operation unit 20, which is used to provide the credit holder with the setting of the investment return rate and investment amount of the credit right, and displays the credit right transfer transaction after the completion of the setting; the transfer transaction unit 40 Connected to the shelf unit 30 to provide at least one investor to perform a debt subscription operation through the investment terminal device B and set the conditions according to whether the investor pays within a preset period to determine whether the review operation unit determines Continue to undertake the credit assignment transaction; the settlement unit 50 is connected to the transfer transaction unit 40 and the transaction database 200 to receive the credit subscription operation of the investment-end device B to generate a subscription order and update it according to the subscription order The transaction database 200 generates a subscription progress data.

In addition, no matter the original investor (debt holder) who needs funds, or a new investor who wants to subscribe for capital, he can register members on the matchmaking platform 100 before the debt is transferred. Specifically, the debt transfer platform 100 further includes a registration/login unit 60, which is connected to the shelf unit 30, the transfer transaction unit 40, and the settlement unit 50, so that the original investor and the new investor can register/ The login unit 60 inputs the basic information of the member to apply to become a member of the intermediary platform 100 for transfer of creditor's rights. After the creditor's right transfer matchmaking platform 100 receives the member data uploaded by the transferee device A and the investment end device B, it stores it in a member database 300, which can be stored in a partnership with the creditor transferee The platform 100 is in the same computer device or stored in a cloud server. Investors who have been registered as members can log in via the registration/login unit to log in and link to the shelf unit 30, the transfer transaction unit 40, and the settlement unit 50.

The credit transfer application data includes the subscription amount, period and investment return rate of one of the credit transfer transactions; the transaction database 200 is used to store the credit transfer application data uploaded by the transfer terminal device A and the subscription order uploaded by the investment terminal device B Etc., and the member database 300 is used to store basic information of borrowers and investors.

According to an embodiment of the present invention, the application materials for the assignment of creditor's rights include the original creditor's rights document and the bad debt repurchase guarantee document. Debt proof documents may be, for example, loan documents, court judgments, creditor's rights certificates, original cheques, etc. The bad debt repurchase guarantee document is mainly that when the debtor cannot pay the debt as scheduled, the original creditor must make a bad debt repurchase.

According to an embodiment of the present invention, the review of the application for creditor's right by the review operation unit 20 includes reviewing the loan document and reviewing the value of the collateral. When the total amount of capital contributed by the investor does not reach the price of the credit assignment transaction within the preset period, the review operation unit executes the cancellation of the credit assignment transaction. In addition, when the total amount of investment of the investor has reached the price of the credit assignment transaction within the preset period, the credit assignment transaction is transmitted to the settlement unit, and the settlement unit determines whether all investments within the preset period Everyone paid off the investment and remitted the investor’s payment to the creditor.

According to an embodiment of the present invention, the creditor's right transfer platform 100 further includes an investment matching unit 70, which is connected to the transaction database 200 and can receive a plurality of investment demand data from the investment-end device. The investment demand information shall include at least one or more of the foregoing information specified by the investor, the date of review, the review status, the amount of each investment, and the debtor’s personal credit, income, and debt ratio. In detail, the investor inputs the investment demand data through the investment-end device B, and the investment matching unit 70 performs an operation comparison with each of the debt transfer application data in the transaction database 200 according to each of the investment demand data, To find one matching result of the creditor's right transfer application data that meets the investment demand data, and display the matching result on the shelf unit 30. In addition, the investment matching unit 70 may also update investment demand data based on the content of the investor's subscription order. The updated investment demand data includes subscription progress data, such as updated investors, subscription amount, subscription progress and remaining amount.

According to an embodiment of the present invention, wherein the subscription progress data includes a subscription progress ratio, the subscription progress ratio is the ratio between the investor's capital contribution and the investment amount set by the creditor.

To further explain, the settlement unit 50 can aggregate the information and generate the investment result data of this embodiment according to the information such as the credit transaction number, subscription amount, period, and investment return rate in the updated investment demand data. Specifically, the investor can repeat the foregoing steps, or set multiple investment demand data at one time, thereby obtaining multiple application materials for the assignment of creditor's rights.

According to the above, the investor can view the application information of multiple credit assignments on the listing unit 30, and operate to select the project and the amount (subscription order) to be invested, so as to achieve the effect of matching the demand of credit assignment. When the demand of the creditor and the investor match, the two parties can conduct a transaction, and the creditor's right held by the creditor can be transferred to another investor again to retrieve the original subscription funds, and the investor also owns At least one claim.

According to an embodiment of the present invention, it further includes a data encryption processing unit 80, which is connected to the examination operation unit 20 to receive the application information of the credit transfer determined by the examination operation unit 20 as acceptable and transfer the credit Apply for data encryption. The data encryption processing unit encrypts the data on the creditor's right transfer application data, including the concealment of the creditor's data and the partial concealment of credit procedures or information.

According to an embodiment of the present invention, wherein the settlement unit 50 can set a payment hesitation period, if the investor fails to pay within the payment hesitation period, the settlement unit 50 determines that the investor gives up the subscription order and transmits the information to The transfer transaction unit 40 causes the transfer transaction unit 40 to release the investment quota corresponding to the investor; or, if the investor pays within the payment hesitation period, the settlement unit 50 sends a creditor's right assignment agreement to The investor.

The following describes the operation flow of the credit transfer platform 100 in this embodiment, please refer to FIG. 2, the operation flow of the credit transfer platform 100 includes steps S101 to S109; in step S101, the creditor Via the credit right operation unit 10, the data related to the credit right assignment is uploaded to the credit assignment platform 100. Then, it proceeds to step S102.

In step S102, the application data for creditor's right transfer is sent to the review operation unit 20. The review operation unit 20 reviews the creditor's right data. The review operation unit 20 may be hardware or software that pre-sets various commitment conditions and can be judged by itself. It may be that some of the acceptance conditions are preset in the program for automatic research and judgment, while the remaining acceptance conditions are performed manually. Then, it proceeds to step S103.

In step S103, it is determined whether or not the above-mentioned credit right transfer transaction is undertaken. If it is determined not to be involved in the above-mentioned credit right transaction, it proceeds to step S104; if it is determined that it can be involved in the above-mentioned credit right transfer transaction, then it proceeds to step S105.

In step S104, the application for the creditor's right transaction is cancelled.

In step S105, the application materials for the transfer of creditor's rights are transmitted to the shelf unit 40. The shelf unit 40 sets the investment return rate and the upper limit of the single investment amount to publicly display the above-mentioned creditor's rights transfer transaction. Then it proceeds to step S106.

In step S106, most investors perform the above-mentioned debt subscription operation in the transfer transaction unit 50 via the computer device and pay within a preset period, for example, through an application installed in a computer or a smart phone to connect to the author Of the creditor's rights are transferred to the matchmaking platform 100 for investment and online payment. Then, it proceeds to step S107.

In step S107, it is determined whether the total amount of investment of these investors reaches the price of the creditor's right transaction within a preset period. If the price of the debt transaction is not reached, return to step S104 to cancel the application for the debt transaction; if the price of the debt transaction has been reached, proceed to step S108.

In step S108, the debt transfer transaction is removed from the listing unit 40 and transmitted to the settlement unit 60. The settlement unit 60 receives the debt subscription operation to generate a subscription order, and generates a subscription progress data according to the subscription order; and In this case, determine whether all investors have paid off the investment within the preset period, for example: provide investors with a seven-day payment hesitation period, investors can decide whether to give up this investment project within the payment hesitation period. If there are investors who have not paid the investment money, then return to step S105 to re-list the creditor's right transfer transaction on the listing unit 40 to publicly display that the amount of the unpaid investment money is open for subscription by other investors; if all investors If all investment funds have been paid, the process proceeds to step S109.

In step S109, the money paid by these investors is remitted to the creditor.

Please refer to FIG. 3, which shows another embodiment of the operation flow of the credit transfer platform of the creation. This embodiment is substantially the same as the embodiment shown in FIG. 2, so the same elements are denoted by the same symbols. In this embodiment, the operation flow of the creditor's right transfer matchmaking platform includes steps S201 to 214; in step S201, the creditor's right is uploaded to the creditor's right transfer matchmaking platform through the creditor's right operation unit 10 100. Then go to step S202.

In step S202, the application data for creditor's right transfer is sent to the review operation unit 20. The review operation unit 20 reviews the creditor's right data. The review operation unit 20 may be hardware or software that pre-sets various commitment conditions and can be judged by itself. It may be that some of the acceptance conditions are pre-set in Cheng Automatic Research and Judgment, while the remaining acceptance conditions are performed manually. Then, it proceeds to step S103.

In step S203, it is determined whether or not the above-mentioned credit right transfer transaction is undertaken. If it is determined not to be involved in the above-mentioned credit right transaction, step S204 is entered; if it is determined that the above-mentioned credit right transfer transaction can be undertaken, then step S205 is entered.

In step S204, the application for the debt transaction is cancelled.

In step S205, the data encryption processing unit 30 receives the creditor's right data determined by the censorship operation unit 20 to be acceptable for the creditor's right transaction, and encrypts the creditor's right data. Then go to step S206.

In step S206, the encrypted claim transfer application data is transmitted to the shelf unit 40, and the shelf return unit 40 sets the investment return rate and the upper limit of the single investment amount to publicly display the above credit right transfer transaction. Then go to step S207.

In step S207, most investors perform the above-mentioned debt subscription operation in the transfer transaction unit 50 via the electronic device and pay within a preset period, for example, through an application installed in the brain or a smartphone to connect to the author Of the creditor's rights are transferred to the matchmaking platform 100 for investment and online payment. Then go to step S208.

In step S208, it is determined whether the total amount of investment of these investors reaches the price of the debt transaction within a preset period. If the price of the credit right transaction is not reached, return to step S204 to cancel the application for the credit right transaction; if the price of the credit right transaction has been reached, proceed to step S209.

In step S209, the creditor's right transfer transaction is taken off the shelf unit 40 and transmitted to the settlement unit 60. The settlement unit 60 receives the creditor's rights subscription operation to generate a subscription order, and generates a subscription progress data according to the subscription order; In this case, determine whether all investors have paid off the investment within the preset period, for example: provide investors with a seven-day payment hesitation period, investors can decide whether to give up this investment project within the payment hesitation period. If there is an investor who has not paid the investment money, then return to step S206 to re-list the debt transfer transaction on the shelf unit 40 to publicly display that the amount of the unpaid investment money is open for subscription by other investors; if all investors If all investment funds have been paid, the process proceeds to step S210.

In step S210, the payments made by the investors are remitted to the creditor. Then go to step S211.

In step S211, it is determined whether the debtor has delayed payment of the debt. If there is a delayed payment, the process proceeds to step S212, and if there is no delayed payment, the process proceeds to step S213.

In step S212, in accordance with the terms of the bad debt repurchase guarantee document, the original creditor or specific third party must repurchase the creditor's right from the investor within a predetermined period of time, for example, the creditor's assignor repurchases the creditor's right from the investor within three days.

In step S213, the debtor can choose to pay the subscription debts in advance or according to the contract period by period until the maturity date is paid off, then proceed to step S214.

In step S214, after the subscription debt is settled, the settlement unit 60 issues a withholding voucher or statement.

In summary, the technical feature of the credit matching platform of this creation is that it can provide credit holders (original investors) who want to re-sell the credit after purchasing the debt, which can be used to transfer the credit and retrieve the subscription funds. Provide the investment targets of most new investors, so as to conduct the matchmaking between the original investors and most of the new investors; in addition, the credit transfer platform of this creation can also be integrated with the known debt trading investment platform The operator of the platform can use this method to obtain more service fee income, which combines the utilization and liquidity of the funds. It can be said to have the original investor, the new investor and the platform itself. Profitable effect.

Although this creation is disclosed as above with examples, it is not intended to limit the scope of this creation. Anyone with ordinary knowledge in the technical field of the subject can make some changes and retouching without departing from the spirit of this creation. The scope of protection of this creation shall be deemed as defined by the scope of the attached patent application.

10: Debt operation unit 20: Review work units 30: Shelf unit 40: Transfer transaction unit 50: settlement unit 60: registration/login unit 70: Investment matching unit 80: data encryption processing unit 100: Matchmaking platform for debt transfer 200: Transaction database 300: Member database A: Transfer device B: Investment device S101~S209: Operation flow S201~S214: Operation flow

Fig. 1 is a block diagram of the system of the matchmaking platform for transferring creditor's rights in this case. FIG. 2 is an operation flowchart of an embodiment of the creditor’s right transfer platform of FIG. 1. 3A-3B are operation flowcharts of another embodiment of the creditor's right transfer platform of FIG. 1.

10: Debt operation unit

20: Review work units

30: Shelf unit information

40: Transfer transaction unit

50: settlement unit

60: registration/login unit

70: Investment matching unit

80: data encryption processing unit

100: Matchmaking platform for debt transfer

200: Transaction database

300: Member database

A: Transfer device

B: Investment device

Claims (10)

A creditor's right transfer matchmaking platform, which is stored in a computer device, and is connected to at least one investment-end device with computer functions and at least one transferer-end device via a network. The creditor's right transfer matchmaking platform includes: 1. Transaction database; A creditor's right operation unit, used to receive a creditor's right transfer application data executed by a creditor's right holder through the transferor device, and store the creditor's right transfer application data in the transaction database; A review operation unit, connected to the transaction database, to receive application data from the creditor's right assignment and review the application information of the creditor's right assignment, and determine whether to undertake a creditor's right assignment transaction with respect to the creditor's right assignment application information; A shelf unit, connected to the review operation unit, is used to provide the creditor holder with the setting of the investment return rate and investment amount ceiling for the creditor's right, and displays the creditor's right transfer transaction after the completion of the setting; A transfer transaction unit, connected to the shelf unit, to provide at least one investor to perform a debt subscription operation through the investment-end device and set the conditions according to whether the investor pays within a preset period to determine the review operation Whether the unit continues to undertake the credit assignment transaction; and A settlement unit, connected to the transfer transaction unit and the transaction database, for receiving the debt subscription operation of the investment-end device to generate a subscription order, and updating the transaction database according to the subscription order to generate a subscription progress data ; Among them, the application materials for the assignment of creditor's rights include the subscription amount, number of periods, and investment return rate of one of the creditor's rights assignment transactions. The matchmaking platform for claim transfer as described in claim 1, wherein the subscription progress data includes a subscription progress ratio, which is the ratio of the investor’s capital contribution relative to the investment amount set by the creditor proportion. The matchmaking platform for claim transfer as described in claim 1, wherein when the total amount of funds invested by the investor within the preset period does not reach the price of the transaction for transfer of claims, the review operation unit executes the transaction for transfer of claims Undo. The matchmaking platform for claim transfer as described in claim 1, wherein when the total amount of investment of the investor within the preset period has reached the price of the transaction for transfer of claim, the transaction for transfer of claim is transferred to the settlement unit, The settlement unit determines whether all investors have paid off the investment within the preset period, and remits the investor’s payment to the creditor. The matchmaking platform for claim transfer as described in claim 1, which further includes a registration/login unit connected to the listing unit, the transfer transaction unit and the settlement unit, the creditor holder and the investor You can register as a member through this registration/login unit. The matchmaking platform for claim transfer as described in claim 1, which further includes an investment matching unit connected to the transaction database and capable of receiving a plurality of investment demand data from the investment-end device; the investment matching The unit performs an operation comparison based on each of the investment demand data and the application data of the creditor's right assignment in the transaction database to find a matching result of the application information of the creditor's right assignment that meets the investment demand data, and compares the matching result Shown on this shelf unit. The matchmaking platform for the transfer of claims as described in claim 6, wherein the investment demand information includes at least one or both of the foregoing information of the date of listing, the review status, the amount of each investment, and the debtor’s personal credit, income, and debt ratio. Above. The credit transfer platform as described in claim 1, which further includes a data encryption processing unit connected to the review operation unit to receive the credit transfer application data determined by the review operation unit as acceptable, and The application information of the creditor's right is encrypted. As described in claim 8 of the creditor's right transfer matchmaking platform, wherein the data encryption processing unit encrypts the data on the creditor's right transfer application data, including hiding of the creditor's rights holder's data and partial hiding of credit procedures or information. As described in claim 1, the credit transfer platform, where the settlement unit can set a payment hesitation period, if the investor does not pay within the payment hesitation period, the settlement unit determines that the investor gives up the subscription order, And send information to the transfer transaction unit, so that the transfer transaction unit releases the investment amount corresponding to the investor; or If the investor pays within the payment hesitation period, the settlement unit sends a debt transfer agreement to the investor.

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