CA2987299C - Lending methods and lending systems - Google Patents
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- CA2987299C CA2987299C CA2987299A CA2987299A CA2987299C CA 2987299 C CA2987299 C CA 2987299C CA 2987299 A CA2987299 A CA 2987299A CA 2987299 A CA2987299 A CA 2987299A CA 2987299 C CA2987299 C CA 2987299C
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Abstract
A lending method and a lending system, the method comprising: according to a bank credit certificate opened via an application by a second participant, a funds management server grants a loan having a corresponding limit to a first participant, and freezes funds corresponding to the bank credit certificate (S11); according to a portion of the loan repaid by the first participant within an agreed repayment deadline, the funds management server unfreezes a portion of the funds corresponding to the bank credit certificate (S12); when the remainder of the loan has still not been received after the repayment deadline has passed, the funds management server requests the first participant for payment (S13); according to a notification sent by the second participant for repaying the remainder of the loan instead of the first participant, the funds management server transfers the remainder of the frozen funds corresponding to the bank credit certificate to a funds management account within an agreed deadline (S14). The funds management server still pays deposit interest on the funds corresponding to the bank credit certificate in a freezing period. The present invention thereby reduces the risk of default, protects the interests of the creditor, and increases the funds security of the funds management mechanism.
Description
2 PCT/CN2015/080385 Lending methods and lending systems Technical Field [0001] The present invention relates to the field of electronic information technology, and more particularly to a lending method and a lending system.
Background Technology [0002] Type the background description section here. The traditional lending mainly includes the funds management institution lending and the private loan, is one kind of the transaction way that the creditor lends the money to the debtor and the debtor repays capital with interest within the agreed time limit. Although the traditional lending method can bring fixed income for the creditors, but also there is the debtor indefinitely to extend the repayment period and difficult to recover the default risk of loans, such default risk in private lending activities, especially in private lending, when the debtor defaults, its credit rating will not be affected; at the same time, the funds from the creditors lent to the debtor, the funds are no longer owned by the creditors, so the creditors at this period cannot enjoy deposit interest income. It can be seen that the existing lending method, especially private lending, have higher default risk and the interests of creditors are difficult to protect.
Technical problem
Background Technology [0002] Type the background description section here. The traditional lending mainly includes the funds management institution lending and the private loan, is one kind of the transaction way that the creditor lends the money to the debtor and the debtor repays capital with interest within the agreed time limit. Although the traditional lending method can bring fixed income for the creditors, but also there is the debtor indefinitely to extend the repayment period and difficult to recover the default risk of loans, such default risk in private lending activities, especially in private lending, when the debtor defaults, its credit rating will not be affected; at the same time, the funds from the creditors lent to the debtor, the funds are no longer owned by the creditors, so the creditors at this period cannot enjoy deposit interest income. It can be seen that the existing lending method, especially private lending, have higher default risk and the interests of creditors are difficult to protect.
Technical problem
[0003] The main object of the present invention is to provide a lending method and a lending system designed to reduce the default risk of lending transactions and to maintain the interests of creditors.
Problem solving solution Technical solutions
Problem solving solution Technical solutions
[0004] In order to achieve the above object, the present invention proposes a lending method comprising the steps of:
[0005] The Funds-Management server issues the corresponding amount of the loan to the First Participant according to the Bank Credit Certificate opened by the application of the Second Participant and freezing the corresponding funds of the Bank Credit Certificate;
[0006] The Funds-Management server unfreezes part of the funds corresponding to the Bank Credit Certificate according to the part of the loan repaid by the First Participant within the agreed repayment period;
[0007] The Funds-Management server requests the First Participant to make repayment when the remaining loan has not been received after the repayment period is exceeded;
[0008] The Funds-Management server allocates the remaining frozen funds corresponding to the Bank Credit Certificate to the funds management account within the agreed time limit according to the notification that the Second Participant repays the remaining loans on behalf of the First Participant;
[0009] Wherein the Bank Credit Certificate is an electronic commitment payment certificate that is applied by the Second Participant to the Funds-Management server and opened by the Funds-Management server with its account funds or credit amount as a deposit.
The said Funds-Management server still count interests for the deposits for the funds corresponding to the said Bank Credit Certificate during the freezing period.
The said Funds-Management server still count interests for the deposits for the funds corresponding to the said Bank Credit Certificate during the freezing period.
[0010] The present invention also provides a lending system comprising:
[0011] The lending module is arranged to issue a corresponding amount of the loan to the First Participant according to the Bank Credit Certificate opened by the application of the Second Participant and to freeze the funds corresponding to the Bank Credit Certificate;
[0012] The first loan repayment module is configured to unfreeze a portion of the funds corresponding to the Bank Credit Certificate in accordance with a portion of the loan repaid by the First Participant within the agreed repayment period;
[0013] The requesting payment module is arranged to reminder to the First Participant when no remaining loan has been received after the repayment period is exceeded;
[0014] A second loan receiving module, is configured to allocates the remaining frozen funds corresponding to the Bank Credit Certificate to the funds management account within the agreed time limit according to the notification that the Second Participant repays the remaining loans on behalf of the First Participant;
[0015] The deposit interest payment module is arranged to calculate and pay the deposit interest of the funds corresponding to the Bank Credit Certificate during the freezing period;
[0016] Wherein the Bank Credit Certificate is an electronic commitment payment certificate that is applied by the Second Participant to the Funds-Management server and opened by the Funds-Management server with its account funds or credit amount as a deposit.
The beneficial effect of the invention Beneficial effect
The beneficial effect of the invention Beneficial effect
[0017] The present invention provides a lending method and a lending system which makes the fund management institution be an actual lender by pulling the funds management institution into the lending transaction process. The Bank Credit Certificate applied by the Second Participant to and issued by the funds management institute works as a certificate guarantee only, and the funds in the Second Participant's account are only temporarily frozen when the funds management institution lends to the First Participant (the borrower, i.e. the debtor), which does not affect the acquisition of interest on the Second Participant's deposit, it is also possible to obtain the interest of the loan paid by the First Participant and maintain the interests of the creditor. The fund management institution makes the loan according to the frozen funds of the First Participant and improves the financial security of the fund management institution. Meanwhile, under the situation that the First Participant has no ability to repay the loan, the Second Participant is allowed to help the First Participant repay the remaining loan, making the repayment method more flexible and humanized. Since the fund management institution is the actual borrower, when the First Participant defaults, the fund management will requests the First Participant to make repayment, it has a deterrent effect to the behaviour of breach of the agreement, reducing the risk of default, safeguarding the interests of creditors; In addition, the funds management institution is engaged into the lending process, making data processing more secure and fast.
[0018] In addition, by introducing the credit function, when the First Participant is unable to repay the remaining repayments and the Second Participant helps the First Participant to repay the remaining repayments, the credit rating of the First Participant is reduced by the Funds-Management server, so as to increase the default cost of the First Participant, reduce the risk of default, and further safeguard the interests of the Second Participant, that is, the creditor.
A brief description of the drawings Brief Description
A brief description of the drawings Brief Description
[0019] Figure 1 is a flowchart of the first example of the lending method of the present invention;
[0020] Figure 2 is an interactive schematic diagram of a First Participant, a Funds-Management server, and a Second Participant in the example of the present invention;
[0021] Figure 3 is a flowchart of the second example of the lending method of the present invention;
[0022] Figure 4 is a flowchart of the third example of the lending method of the present invention;
[0023] Figure 5 is a flowchart of the fourth example of the lending method of the present invention;
[0024] Figure 6 is a module schematic diagram of the first example of the lending method of the present invention;
[0025] Figure 7 is a module schematic diagram of the second example of the lending method of the present invention;
Examples of the Invention Implementation pattern of the present invention
Examples of the Invention Implementation pattern of the present invention
[0026] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.
[0027] A funds management institution is an institution that can support capital flows, including but not limited to banks and other fmancial institutions (such as securities institutions).
Correspondingly, the Funds-Management server includes a bank server or other financial institution server. The fund management account includes a bank loan account or other financial institution loan account. The fund management credit system includes the People's Bank credit system or other financial institution credit systems.
Correspondingly, the Funds-Management server includes a bank server or other financial institution server. The fund management account includes a bank loan account or other financial institution loan account. The fund management credit system includes the People's Bank credit system or other financial institution credit systems.
[0028] The Bank Credit Certificate is the electronic commitment payment certificate issued by the Second Participant (the sponsor) with its account funds or credit line as the margin money to apply to the Funds-Management server and opened by the Funds-Management server.
The fund management institution handle electronic credit certificate of payment and collection as per the payment conditions, the Bank Credit Certificate is an Internet innovation based financial instrument which the funds management institution under credit commitment to pay.
The fund management institution handle electronic credit certificate of payment and collection as per the payment conditions, the Bank Credit Certificate is an Internet innovation based financial instrument which the funds management institution under credit commitment to pay.
[0029] The Second Participant (the initiator of the loan) refers to an individual or organization that initiates a lending intention to the First Participant, but in the actual lending transaction, the fund manager plays the role of the lender, and the Second Participant (the initiator of the loan) has a loan intention, and then through the application to the funds management institution and issued a Bank Credit Certificate, and then the funds management institution takes the Bank Credit Certificate as guarantee and take loan to the First Participant; if the First Participant makes repayment as agreed, the Bank Credit Certificate issued by the Second Participant will be unfrozen, and the Second Participant and the funds management institution shall receive the loan interest in accordance with the agreement;
if the First Participant is not repaid, the Bank Credit Certificate will remain frozen for a fixed period of time, and the funds management institution will request the First Participant for repayment; If the First Participant makes repayment within the fixed period (requesting payment is succeeded), the Bank Credit Certificate is still frozen, and the Second Participant and the funds management institution will gain loan benefit as agreed.
Compared with the traditional lending method, the creditor pulls the fund management institution into the loan transaction process. The fund management institution becomes the actual lender. When the fund management institution lends to the First Participant, the funds within the Second Participant's account is only temporarily frozen, this freezing does not affect the Second Participant to obtain interest on deposit. The funds management institution is engaged the lending process, making the data processing more Safe and fast.
if the First Participant is not repaid, the Bank Credit Certificate will remain frozen for a fixed period of time, and the funds management institution will request the First Participant for repayment; If the First Participant makes repayment within the fixed period (requesting payment is succeeded), the Bank Credit Certificate is still frozen, and the Second Participant and the funds management institution will gain loan benefit as agreed.
Compared with the traditional lending method, the creditor pulls the fund management institution into the loan transaction process. The fund management institution becomes the actual lender. When the fund management institution lends to the First Participant, the funds within the Second Participant's account is only temporarily frozen, this freezing does not affect the Second Participant to obtain interest on deposit. The funds management institution is engaged the lending process, making the data processing more Safe and fast.
[0030] Hereinafter, the technical solution of the present invention will be described in detail with reference to specific examples.
[0031] Referring to Figure 1 and Figure 2, proposing the first example of the lending method of the present invention, which includes the following steps:
[0032] S11, the Funds-Management server issues corresponding loan limit to the First Participant as per the Bank Credit Certificate applied and opened by the Second Participant, and freezes the funds corresponding to the Bank Credit Certificate.
[0033] Specifically, the Second Participant opens an account in the funds management institution, and makes deposit, the Second Participant, the First Participant and the fund management institution agreed on the loan amount, repayment period, loan interest paid to the funds management institution and other loan information, the Second Participant applies to the Funds-Management server in accordance with the aforementioned loan information, the Funds-Management server opens a Bank Credit Certificate based on the application, freezes the funds corresponding to the Bank Credit Certificate on the deposit account of the Second Participant, and according to the Bank Credit Certificate, corresponding loans will be issued to the First Participant.
[0034] It should be noted that the Second Participant's Bank Credit Certificate is frozen, but the funds are still in the Second Participant's account, but the funds are in an unusable state, which does not affect the Second Participant's interest collection during the freezing period. The interest on the deposit can be current interest or term deposit interest as agreed.
For example, the balance of the Second Participant account is 300,000, and 200,000 Bank Credit Certificates are issued to the Funds-Management server and frozen.
However, the Funds-Management server still calculates the current interest on the balance of funds of Y300,000, or the Funds-Management server uses 100,000 of the balance of funds to calculate the Second Participant current interest, and the current interest and the time deposit interest of 200,000 will be calculated separately during the freezing period of the Bank Credit Certificate.
For example, the balance of the Second Participant account is 300,000, and 200,000 Bank Credit Certificates are issued to the Funds-Management server and frozen.
However, the Funds-Management server still calculates the current interest on the balance of funds of Y300,000, or the Funds-Management server uses 100,000 of the balance of funds to calculate the Second Participant current interest, and the current interest and the time deposit interest of 200,000 will be calculated separately during the freezing period of the Bank Credit Certificate.
[0035] S12, the Funds-Management server unfreezes part of the funds corresponding to the Bank Credit Certificate as per the partial loan repaid by the First Participant within the agreed repayment period.
[0036] In step S12, the First Participant repays part of the loan to the fund management institution within the agreed repayment period, and after the fund management institution receives the part of the loan, the Funds-Management server unfreezes part funds corresponding to the Bank Credit Certificate as per the loan amount, such as the part of the funds that is part of the loan with the First Participant to repay the amount of funds, at the same time, the unfrozen part of the funds in the Second Participant account automatically become available, and can also pay for the unfrozen part of the funds corresponding to the deposit interest.
[0037] S13, after the repayment period, the Funds-Management server still has not received the remaining loans, it will request the First Participant to make repayment. For example, a reminder letter can be sent to the First Participant by mail, SMS, etc.
[0038] S14, the Funds-Management server allocates the remaining frozen funds corresponding to the Bank Credit Certificate to the funds management account within the agreed time limit according to the notification sent by the Second Participant for repaying the remaining loans on behalf of the First Participant.
[0039] In step S14, when the First Participant is unable to repay the remaining loans, the Second Participant may repay the remaining loans on behalf of the First Participant, that is, after the Funds-Management server pressed the First Participant for payment, the Second Participant sends a notification to the management server to repay the remaining loans on behalf of the First Participant. After receiving the notification, the Funds-Management server will release the Bank Credit Certificate within the agreed time limit, that is, the remaining frozen funds corresponding to the Bank Credit Certificate are repaid to the fund management institution as the remaining loans, meanwhile calculate and pay the Second Participant the deposit interest corresponding to the remaining frozen funds which is defrozed.
[0040] The deposit interest corresponding to the frozen funds corresponding to the Bank Credit Certificate may not be paid separately in step S12 and step S14, but the deposit interest corresponding to all the frozen funds is paid together in step S14 to the Second Participant.
[0041] In this way, the lending method of the present example makes creditor the Second Participant, and the fund management institution an actual lender by pulling the fund management institution into the lending transaction process. When the funds management institution lends to the First Participant (the debtor), the Bank Credit Certificate issued by creditor to the funds management institute works as a certificate guarantee only, and the funds in the Second Participant's account are only temporarily frozen, which does not affect the acquisition of interest on the Second Participant's deposit, maintaining the interests of the creditor. The fund management institution makes the loan according to the frozen funds of the creditor, improving the fmancial security of the fund management institution. Meanwhile, under the situation that the First Participant has no ability to repay the loan, the Second Participant is allowed to help the First Participant repay the remaining loan, making the repayment method more flexible and humanized. Since the fund management institution is the actual borrower, when the First Participant defaults, the fund management institute will requests the First Participant to make repayment, it has a deterrent effect to the behaviour of breach of the agreement, reducing the risk of default, safeguarding the interests of creditors; In addition, by pulling the funds management institution into the lending process, it makes data processing more secure and fast.
[0042] Referring to Figure 3, proposing the second example of the lending method of the present invention, which includes the following steps:
[0043] S21, the Funds-Management server issues corresponding loan limit to the First Participant as per the Bank Credit Certificate applied and opened by the Second Participant, and freezes the funds corresponding to the Bank Credit Certificate.
[0044] S22, the Funds-Management server unfreezes part of the funds corresponding to the Bank Credit Certificate as per the partial loan repaid by the First Participant within the agreed repayment period.
[0045] S23, after the repayment period, the Funds-Management server still has not received the remaining loans, it will request the First Participant to make repayment. For example, a reminder letter can be sent to the First Participant by mail, SMS, etc.
[0046] S24, the Funds-Management server allocates the remaining frozen funds corresponding to the Bank Credit Certificate to the funds management account within the agreed time limit according to the notification sent by the Second Participant for repaying the remaining loans on behalf of the First Participant.
[0047] In the present example, steps S21 to S24 are the same as steps Sll to S14 in the first example, and will not be described again.
[0048] S25, the Funds-Management server reduces the credit rating of the First Participant or / and increases the credit rating of the Second Participant.
[0049] In this example, a credit function is introduced. When the First Participant is unable to repay the remaining loans and the Second Participant helps the First Participant to repay the remaining loans, the Funds-Management server reduces the credit rating of the First Participant, and the First Participant's default record and credit rating are synchronized to the Funds Management Credit System, or / and, Funds-Management server raises the Second Participant's credit rating, and synchronizes credit rating to the Funds Management Credit System. Thus, the default costs of the First Participant is increased, the risk of default is reduced and the interests of the Second Participant and the creditor are further maintained.
[0050] Referring to Figure 4, proposing the third example of the lending method of the present invention, which includes the following steps:
[0051] S31, the Funds-Management server issues corresponding loan limit to the First Participant as per the Bank Credit Certificate applied and opened by the Second Participant, and freezes the funds corresponding to the Bank Credit Certificate.
[0052] S32, the Funds-Management server unfreezes part of the funds corresponding to the Bank Credit Certificate as per the partial loan repaid by the First Participant within the agreed repayment period. The loan interests are allocated in the Second Participant account and the funds management account as per the preset rules.
[0053] In this example, the Second Participant and the funds management institution also agree on the distribution of interest on the loan, that is, the Second Participant in the present example not only obtains the interest on the deposit but also obtains the interest on the part of the loan. For example, it is agreed that the first loan interest in the loan interest is allocated to the funds management institution, and the second loan interest is allocated to the Second Participant.
[0054] In step S32, the First Participant repays part of loan to the funds management institution within the agreed period of repayment, and that part of the loan includes part of the loan principal and the corresponding interest on the loan (the first loan interest and the second loan interest). After the fund management institution receives the part of the loan, the Funds-Management server will unfreezes part of the funds corresponding to the Bank Credit Certificate according to the loan amount. For example, the part of the fund is the part of the loan principal repaid by the First Participant and its corresponding first loan interest amount, while the second loan interest repaid by the First Participant will be allocated to the Second Participant account, and can also account for the corresponding amount of Bank Credit Certificate unfrozen funds corresponding to the deposit interest, so that the Second Participant can get interest on loan interest and interest on deposits.
[0055] S33, after the repayment period, the Funds-Management server still has not received the remaining loans, it will request the First Participant to make repayment. For example, a reminder letter can be sent to the First Participant by mail, SMS, etc.
[0056] S34, the Funds-Management server allocates the remaining frozen funds corresponding to the Bank Credit Certificate to the funds management account within the agreed time limit according to the notification sent by the Second Participant for repaying the remaining loans on behalf of the First Participant.
[0057] In step S34, when the First Participant can not repay the remaining loans, the Second Participant may repay the remaining loans on behalf of the Second Participant.
After the Funds-Management server dwells on the First Participant, The management server sends a notification on behalf of the First Participant to repay the remaining loans.
After receiving the notification, the Funds-Management server will release the Bank Credit Certificate within the agreed time limit, that is, repay the remaining frozen funds corresponding to the Bank Credit Certificate to the fund management institution as the remaining loans, and calculate and pay the deposit interest corresponding to the remaining frozen funds which is unfrozen to the Second Participant.
After the Funds-Management server dwells on the First Participant, The management server sends a notification on behalf of the First Participant to repay the remaining loans.
After receiving the notification, the Funds-Management server will release the Bank Credit Certificate within the agreed time limit, that is, repay the remaining frozen funds corresponding to the Bank Credit Certificate to the fund management institution as the remaining loans, and calculate and pay the deposit interest corresponding to the remaining frozen funds which is unfrozen to the Second Participant.
[0058] The deposit interest corresponding to the frozen money corresponding to the bank credit may not be paid separately in steps S32 and S34, but the deposit interest corresponding to all the frozen funds is paid together in step S34 to the two parties.
[0059] Thus, in the lending method of the present example, the Second Participant not only obtains the deposit interest paid by the fund management institution but also obtains the interest on the loan paid by the First Participant and further maintains the interest of the Second Participant.
[0060] Referring to Figure 5, proposing the forth example of the lending method of the present invention, which includes the following steps:
[0061] S41, the Funds-Management server issues corresponding loan limit to the First Participant as per the Bank Credit Certificate applied and opened by the Second Participant, and freezes the funds corresponding to the Bank Credit Certificate.
[0062] S42, the Funds-Management server unfreezes part of the funds corresponding to the Bank Credit Certificate as per the partial loan repaid by the First Participant within the agreed repayment period. The loan interests are allocated in the Second Participant account and the funds management account as per the preset rules.
[0063] S43, after the repayment period, the Funds-Management server still has not received the remaining loans, it will request the First Participant to make repayment. For example, a reminder letter can be sent to the First Participant by mail, SMS, etc.
[0064] S44, the Funds-Management server allocates the remaining frozen funds corresponding to the Bank Credit Certificate to the funds management account within the agreed time limit according to the notification sent by the Second Participant for repaying the remaining loans on behalf of the First Participant.
[0065] In the present example, steps S41 to S44 are the same as steps S31 to S34 in the third example, and will not be described again.
[0066] S45, the Funds-Management server reduces the credit rating of the First Participant or / and increases the credit rating of the Second Participant.
[0067] In this example, a credit function is introduced. When the First Participant is unable to repay the remaining loans and the Second Participant helps the First Participant to repay the remaining loans, the Funds-Management server reduces the credit rating of the First Participant, and the First Participant's default record and credit rating are synchronized to the Funds Management Credit System, or / and, Funds-Management server raises the Second Participant's credit rating, and synchronizes credit rating to the Funds Management Credit System. Thus, the default costs of the First Participant is increased, the risk of default is reduced and the interests of the Second Participant and the creditor are further maintained.
[0068] Referring to Figure 6, a first example of a lending system of the present invention is proposed, which is applied to the aforementioned Funds-Management server, which includes a lending module, a first loan repayment module, a second loan repayment module, requesting payment module and interest payment module, where:
[0069] Lending module: Set the amount of loan to be issued to the First Participant according to the Bank Credit Certificate issued by the application of the Second Participant and freeze the funds corresponding to the Bank Credit Certificate.
[0070] The first loan repayment module is configured to unfreeze a portion of the funds corresponding to the Bank Credit Certificate in accordance with a portion of the loan repaid by the First Participant within the agreed repayment period;
[0071] The requesting payment module is arranged to request the First Participant for repayment when no remaining loan has been received after the repayment period is exceeded; For example, the requesting payment module can send a requesting payment letter to the First Participant by mail, SMS, etc.
[0072] The second receiving and lending module: is configured to allocate the remaining frozen funds corresponding to the Bank Credit Certificate to the funds management account within the agreed time limit according to the notification sent by the Second Participant to repay the remaining loans on behalf of the First Participant.
[0073] Deposit interest calculation and payment module is set to calculate and pay the deposit interest of the funds corresponding to the Bank Credit Certificate during the freezing period;
[0074] Further, the first loan repayment module allocates loan interest to the Second Participant's account and the funds management account based on the pre-set rules.
[0075] Thus, as to the lending system in the present example, when the funds management institution lends to the borrower, the Bank Credit Certificate issued by the Second Participant to the funds management institute works as a certificate guarantee only, and the funds in the Second Participant's account are only temporarily frozen, which does not affect the acquisition of interest on the Second Participant's deposit, maintaining the interests of the creditor. The fund management institution makes the loan according to the frozen funds of the creditor, improving the fmancial security of the fund management institution. Meanwhile, under the situation that the First Participant has no ability to repay the loan, the Second Participant is allowed to help the First Participant repay the remaining loan, making the repayment method more flexible and humanized. Since the fund management institution is the actual borrower, when the First Participant defaults, the fund management institute will requests the First Participant to make repayment, it has a deterrent effect to the behaviour of breach of the agreement, reducing the risk of default, safeguarding the interests of creditors; in addition, by pulling the funds management institution into the lending process, it makes data processing more secure and fast.
[0076] Referring to Figure 7, a second example of the lending system of the present invention is proposed. The difference between this example and the first example is that a credit management module is added, and the credit management module is configured to:
when the Second Participant repay the remaining loan on behalf of the First Participant, the First Participant's credit rating is lowered or / and the Second Participant's credit rating is increased.
when the Second Participant repay the remaining loan on behalf of the First Participant, the First Participant's credit rating is lowered or / and the Second Participant's credit rating is increased.
[0077] This example introduces a credit function, when the First Participant is unable to repay the remaining loans and the Second Participant helps the First Participant to repay the remaining loans, the Funds-Management server reduces the credit rating of the First Participant, and the First Participant's default record and credit rating are synchronized to the Funds Management Credit System, or / and, Funds-Management server raises the Second Participant's credit rating, and synchronizes the credit rating to the Funds Management Credit System. Thus, the default costs of the First Participant is increased, the risk of default is reduced and the interests of the Second Participant and the creditor are further maintained.
[0078] It is important to note that the technical features of the above-described method is applicable in the present apparatus and is not need to repeated here.
[0079] It will be understood by the ordinary skill in the field that the realization of all or part of the steps of the method described above may be controlled by a program to control the associated hardware completion, which may be stored in a computer-readable storage medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk, etc.
[0080] It is to be understood that the above is only a preferred example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.
Industrial utility
Industrial utility
[0081] The present invention provides a lending method and a lending system which makes the fund management institution be an actual lender by pulling the funds management institution into the lending transaction process. The Bank Credit Certificate applied by the Second Participant to and issued by the funds management institute works as a certificate guarantee only, and the funds in the Second Participant's account are only temporarily frozen when the funds management institution lends to the First Participant (the borrower, i.e. the debtor), which does not affect the acquisition of interest on the Second Participant's deposit, it is also possible to obtain the interest of the loan paid by the First Participant and maintain the interests of the creditor. The fund management institution makes the loan according to the frozen funds of the First Participant and improves the financial security of the fund management institution. Meanwhile, under the situation that the First Participant has no ability to repay the loan, the Second Participant is allowed to help the First Participant repay the remaining loan, making the repayment method more flexible and humanized. Since the fund management institution is the actual borrower, when the First Participant defaults, the fund management will requests the First Participant to make repayment, it has a deterrent effect to the behaviour of breach of the agreement, reducing the risk of default, safeguarding the interests of creditors; In addition, the funds management institution is engaged into the lending process, making data processing more secure and fast. Therefore, it has industrial applicability.
Claims (44)
1. An electronic information technology method for reducing default risk and maintaining interests of creditors in electronic lending transactions using an electronic commitment payment certificate, the method executed by a funds-management server, wherein the method comprises:
the funds-management server issues an electronic commitment payment certificate having a loan amount, the electronic commitment payment certificate generated by an application of a second participant;
the funds-management server freezes the electronic commitment payment certificate, thereby freezing second participant funds in a second participant account equal to the loan amount of the electronic commitment payment certificate;
the funds-management server issues loan funds to a first participant according to the frozen electronic commitment payment certificate, wherein the loan funds equal the loan amount of the electronic commitment payment certificate;
the funds-management server unfreezes a first part of the electronic commitment payment certificate after receiving a first repaid part of the loan amount repaid by the first participant within an agreed repayment period, thereby unfreezing a first part of the frozen second participant funds equal to the first repaid part of the loan amount;
the funds-management server sends an electronic request to the first participant requesting repayment of a remaining loan amount when the remaining loan amount has not been received after the agreed repayment period is exceeded, wherein the remaining loan amount equals the first repaid part of the loan amount subtracted from the loan amount; and Date Recue/Date Received 2022-03-24 the funds-management server unfreezes a second part of the electronic commitment payment certificate in response to receiving a notification from the second participant indicating an intention to repay the remaining loan amount on behalf of the first participant, thereby unfreezing a second part of the frozen second participant funds and allocating the second part of the frozen second participant funds to a funds-management account;
the funds-management server automatically adjusts an electronic credit rating of at least one of the first participant and the second participant in a Funds-Management Credit System after unfreezing the second part of the electronic payment certificate.
the funds-management server issues an electronic commitment payment certificate having a loan amount, the electronic commitment payment certificate generated by an application of a second participant;
the funds-management server freezes the electronic commitment payment certificate, thereby freezing second participant funds in a second participant account equal to the loan amount of the electronic commitment payment certificate;
the funds-management server issues loan funds to a first participant according to the frozen electronic commitment payment certificate, wherein the loan funds equal the loan amount of the electronic commitment payment certificate;
the funds-management server unfreezes a first part of the electronic commitment payment certificate after receiving a first repaid part of the loan amount repaid by the first participant within an agreed repayment period, thereby unfreezing a first part of the frozen second participant funds equal to the first repaid part of the loan amount;
the funds-management server sends an electronic request to the first participant requesting repayment of a remaining loan amount when the remaining loan amount has not been received after the agreed repayment period is exceeded, wherein the remaining loan amount equals the first repaid part of the loan amount subtracted from the loan amount; and Date Recue/Date Received 2022-03-24 the funds-management server unfreezes a second part of the electronic commitment payment certificate in response to receiving a notification from the second participant indicating an intention to repay the remaining loan amount on behalf of the first participant, thereby unfreezing a second part of the frozen second participant funds and allocating the second part of the frozen second participant funds to a funds-management account;
the funds-management server automatically adjusts an electronic credit rating of at least one of the first participant and the second participant in a Funds-Management Credit System after unfreezing the second part of the electronic payment certificate.
2. The method of claim 1, wherein the electronic commitment payment certificate is an electronic commitment payment certificate that is applied by the second participant to the funds-management server and generated by the funds-management server with its account funds or credit amount as a deposit.
3. The method of claim 1 ,wherein the said funds-management server still counts deposit interest for the funds corresponding to the said electronic commitment payment certificate during the freezing period.
4. The method of claim 1 further comprising:
the funds-management server allocates loan interest on the second participant's account and the funds management account as per preset rule.
the funds-management server allocates loan interest on the second participant's account and the funds management account as per preset rule.
5. The method of any one of claims 1 to 4, wherein the adjusted electronic credit rating includes a reduced electronic credit rating of the first participant.
6. The method of claim 5, wherein the funds-management server synchronizes a first participant's default record and the reduced electronic credit rating of the first participant to the Funds-Management Credit System.
Date Recue/Date Received 2022-03-24
Date Recue/Date Received 2022-03-24
7. The method of any one of claims 1 to 6, wherein the adjusted electronic rating includes a raised electronic credit rating of the second participant.
8. The method of claim 7, wherein the funds-management server synchronizes the raised electronic credit rating of the second participant to the Funds Management Credit System.
9. The method of any one of claims 1 to 8, wherein the Funds Management Credit System includes a Central Bank Credit System.
10. The method of any one of claims 1 to 8, wherein the Funds Management Credit System includes other financial institution credit systems.
11. The method of claim 3, wherein the deposit interest is current deposit interest.
12. The method of claim 3, wherein the deposit interest is an agreed fixed deposit interest.
13. The method of any one of claims 1 to 12, wherein the funds-management server includes a bank server.
14. The method of any one of claims 1 to 12, wherein the funds-management server includes a financial institution's server.
15. The method of any one of claims 1 to 14, wherein the second participant refers to an individual that initiates a lending intention to the first participant.
16. The method of any one of claims 1 to 15, wherein the funds-management server is a actual lender in the electronic lending transaction.
Date Recue/Date Received 2022-03-24
Date Recue/Date Received 2022-03-24
17. The method of any one of claims 1 to 16, wherein the second participant, the first participant and the funds management institution agreed on a loan amount, a repayment period, a loan interest paid to the funds management institution and other loan information.
18. The method of any one of claims 1 to 17, wherein the frozen funds are in an unavailable state in the account of the second participant.
19. The method of any one of claims 3 and 11 to 12, wherein the deposit interest is still collected by the second participant during the freezing period.
20. The method of any one of claims 3, 11 to 12, and 19, wherein the deposit interest corresponding to all the frozen funds is paid separately to the second participant.
21. The method of any one of claims 3, 11 to 12, and 19, wherein the deposit interest corresponding to all the frozen funds is paid together to the second participant.
22. The method of any one of claims 1 to 21, wherein the electronic request is a reminder letter.
23. The method of claim 22, wherein the reminder letter is sent by text message.
24. An electronic information technology system for reducing default risk and maintaining interests of creditors in electronic lending transactions using an electronic commitment payment certificate, the system comprising:
a funds management server configured to:
issue an electronic commitment payment certificate having a loan amount, the electronic commitment payment certificate generated by an application of a second participant;
Date Recue/Date Received 2022-03-24 freeze the electronic commitment payment certificate, thereby freezing second participant funds in a second participant account equal to the loan amount of the electronic commitment payment certificate;
wherein the funds management server includes:
a lending module configured to:
issue loan funds to a first participant according to the frozen electronic commitment payment certificate, wherein the loan funds equal the loan amount of the electronic commitment payment certificate;
a first loan repayment module configured to:
unfreeze a first part of the electronic commitment payment certificate after receiving a first repaid part of the loan amount repaid by the first participant within an agreed repayment period, thereby unfreezing a first part of the frozen second participant equal to the first repaid part of the loan amount;
a requesting payment module configured to:
send an electronic request to the first participant requesting repayment of a remaining loan amount when the remaining loan amount has not been received after the agreed repayment period is exceeded, wherein the remaining loan amount equals the first repaid part of the loan amount subtracted from the loan amount;
a second loan repayment module configured to:
Date Recue/Date Received 2022-03-24 unfreeze a second part of the electronic commitment payment certificate in response to receiving a notification from the second participant indicating an intention to repay the remaining loan amount on behalf of the first participant, thereby unfreezing a second part of the frozen second participant funds and allocating the second part of the frozen second participant funds to a funds-management account allocate the remaining frozen funds corresponding to the Electronic commitment payment certificate to the funds-management account within an agreed repayment period according to the notification sent by the second participant for repaying the remaining loans on behalf of the first participant;
a credit management module configured to:
automatically adjust an electronic credit rating of at least one of the first participant and the second participant in a Funds Management Credit System after unfreezing the second part of the electronic payment certificate.
a funds management server configured to:
issue an electronic commitment payment certificate having a loan amount, the electronic commitment payment certificate generated by an application of a second participant;
Date Recue/Date Received 2022-03-24 freeze the electronic commitment payment certificate, thereby freezing second participant funds in a second participant account equal to the loan amount of the electronic commitment payment certificate;
wherein the funds management server includes:
a lending module configured to:
issue loan funds to a first participant according to the frozen electronic commitment payment certificate, wherein the loan funds equal the loan amount of the electronic commitment payment certificate;
a first loan repayment module configured to:
unfreeze a first part of the electronic commitment payment certificate after receiving a first repaid part of the loan amount repaid by the first participant within an agreed repayment period, thereby unfreezing a first part of the frozen second participant equal to the first repaid part of the loan amount;
a requesting payment module configured to:
send an electronic request to the first participant requesting repayment of a remaining loan amount when the remaining loan amount has not been received after the agreed repayment period is exceeded, wherein the remaining loan amount equals the first repaid part of the loan amount subtracted from the loan amount;
a second loan repayment module configured to:
Date Recue/Date Received 2022-03-24 unfreeze a second part of the electronic commitment payment certificate in response to receiving a notification from the second participant indicating an intention to repay the remaining loan amount on behalf of the first participant, thereby unfreezing a second part of the frozen second participant funds and allocating the second part of the frozen second participant funds to a funds-management account allocate the remaining frozen funds corresponding to the Electronic commitment payment certificate to the funds-management account within an agreed repayment period according to the notification sent by the second participant for repaying the remaining loans on behalf of the first participant;
a credit management module configured to:
automatically adjust an electronic credit rating of at least one of the first participant and the second participant in a Funds Management Credit System after unfreezing the second part of the electronic payment certificate.
25. The system of claim 24, wherein the electronic commitment payment certificate is an electronic commitment payment certificate that is applied by the second participant to the funds-management server and generated by the funds-management server with its account funds or credit amount as a deposit.
26. The system of claim 24, wherein the first loan repayment module is further configured to allocate loan interest on the second participant's account and the funds management account as per preset rule.
27. The system of claim 24, wherein deposit interest is a current deposit interest.
28. The system of claim 24, wherein deposit interest is an agreed fixed deposit interest.
Date Recue/Date Received 2022-03-24
Date Recue/Date Received 2022-03-24
29. The system of claim 24, wherein the credit management module is configured to reduce the electronic credit rating of the first participant after the second participant repaying the remaining loans on behalf of the first participant.
30. The system of claim 29, wherein the credit management module synchronizes the a first participant's default record and the reduced electronic credit rating are synchronized to a the Funds-Management Credit System.
31. The system of claim 30, wherein the credit management module is further configured to raise the electronic credit rating of the second participant after the second participant repaying the remaining loans on behalf of the first participant.
32. The system of claim 31, wherein the raised electronic credit rating is synchronized to the Funds-Management Credit System.
33. The system of any one of claims 24 to 32, wherein the Funds Management Credit System includes a Central Bank Credit System.
34. The system of any one of claims 24 to 32, wherein the Funds Management Credit System includes other financial institution credit systems.
35. The system of claim 24 further includes a bank server.
36. The system of claim 24 further includes a financial institution's server.
37. The system of any one of claims 24 to 36, wherein the second participant refers to an individual that initiates a lending intention to the first participant.
Date Recue/Date Received 2022-03-24
Date Recue/Date Received 2022-03-24
38. The system of any one of claims 24 to 37, wherein the second participant, the first participant and the funds management institution agreed on a loan amount, a repayment period, a loan interest paid to the funds management institution and other loan information.
39. The system of any one of claims 24 to 38, wherein the frozen funds are in an unavailable state in the account of the second participant.
40. The system of any one of claims 27 to 28, wherein the deposit interest is still collected by the second participant during the freezing period.
41. The system of any one of claims 27 to 28 and 40, wherein the deposit interest corresponding to all the frozen funds is paid separately to the second participant.
42. The system of any one of claims 27 to 28 and 40 to 41, wherein the deposit interest corresponding to all the frozen funds is paid together to the second participant.
43. The system of any one of claims 24 to 42, wherein the electronic request is a reminder letter.
44. The system of claim 43, wherein the reminder letter is sent by text message.
Date Recue/Date Received 2022-03-24
Date Recue/Date Received 2022-03-24
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/080385 WO2016191972A1 (en) | 2015-05-29 | 2015-05-29 | Lending method and lending system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CA2987299A1 CA2987299A1 (en) | 2016-12-08 |
| CA2987299C true CA2987299C (en) | 2022-07-05 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2987299A Active CA2987299C (en) | 2015-05-29 | 2015-05-29 | Lending methods and lending systems |
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| Country | Link |
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| CA (1) | CA2987299C (en) |
| WO (1) | WO2016191972A1 (en) |
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|---|---|---|---|---|
| CN101122986A (en) * | 2006-08-08 | 2008-02-13 | 阿里巴巴公司 | Method and system for implementing debit and credit by network |
| US20090030795A1 (en) * | 2007-07-23 | 2009-01-29 | Henry Winchester | Payment system and method for insurance premium payments |
| CN101567071A (en) * | 2008-04-21 | 2009-10-28 | 阿里巴巴集团控股有限公司 | Data interactive processing method and device of online transaction system and bank system |
| CN104376453A (en) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | Online payment method and system |
| CN104899780A (en) * | 2015-05-29 | 2015-09-09 | 深圳市银信网银科技有限公司 | Debit/credit method and debit/credit system |
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- 2015-05-29 CA CA2987299A patent/CA2987299C/en active Active
- 2015-05-29 WO PCT/CN2015/080385 patent/WO2016191972A1/en active Application Filing
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| Publication number | Publication date |
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| WO2016191972A1 (en) | 2016-12-08 |
| CA2987299A1 (en) | 2016-12-08 |
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