CA2987303C - Repayment processing method and system - Google Patents
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Abstract
A repayment processing method and system, belonging to the technical field of finance. The method comprises: after receiving a notification that a second participant is partially repaying instead of a first participant, transferring a portion of frozen funds corresponding to a bank credit certificate to a funds management account according to a repayment amount (S101); if the remainder of a repayment has not been received after a preset payment request deadline has passed, transferring the remainder of the frozen funds corresponding to the bank credit certificate to the funds management account, and synchronising a record of a default by the first participant to a funds management credit information system (S102). The method introduces the bank credit certificate to guarantee the lending transaction, increases default costs of the first participant, provides a flexible means for the second participant to partially repay instead of the first participant, and increases the reliability of repayment success, thereby reducing the risk to the loan funds, and enabling the lending transaction to be more secure.
Description
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Title: Repayment processing method and system Technical Field [0001] The present invention relates to the field of financial technology, and more particularly to a method and system for repayment.
Background Technology
Title: Repayment processing method and system Technical Field [0001] The present invention relates to the field of financial technology, and more particularly to a method and system for repayment.
Background Technology
[0002] Traditional lending generally refers to a way in which funds are lent to the debtor to receive fixed income, mainly including bank lending and private lending. When the borrower initiates the settlement requirement and the lender intends to lend to the borrower, the two parties shall reach a loan transaction by oral or written agreement.
If the borrower repays the loan according to the agreed term, the lender receives the loan principal and interest if the borrower fails to repay as per agreed term, its recovery period will be extended without limitation. The advantage of traditional borrowing is that there is a fixed income, but because of the lack of financial guarantee and regulatory mechanisms, especially in private lending activities, the repayment period is extended indefinitely, or the direct lender is difficult to recover the loan frequently, resulting in the proliferation of borrowing default, and the lender's loan funds are not safeguarded.
If the borrower repays the loan according to the agreed term, the lender receives the loan principal and interest if the borrower fails to repay as per agreed term, its recovery period will be extended without limitation. The advantage of traditional borrowing is that there is a fixed income, but because of the lack of financial guarantee and regulatory mechanisms, especially in private lending activities, the repayment period is extended indefinitely, or the direct lender is difficult to recover the loan frequently, resulting in the proliferation of borrowing default, and the lender's loan funds are not safeguarded.
[0003] Thus, there is a need for an improved loan repayment approach at this stage to increase the borrower's default costs and reduce the risk of loan funds, making lending transactions safer.
Technical problem
Technical problem
[0004] In view of this, the technical problem to be solved by the present invention is to provide a loan repayment method and system to increase the default cost of the First Participant and reduce the risk of the loan fund.
Problem solving solution Technical solutions
Problem solving solution Technical solutions
[0005] The technical solution of the present invention to solve the above-mentioned technical problems is as follows:
[0006] According to another aspect of this invention, there is a network payment method based on the same Funds-Management servers, and the method is comprised by following steps:
[0007] After receiving the notification for the Second Participant replacing the First Participant to make partial repayment, the part of the frozen funds corresponding to the Bank Credit Certificate shall be unfreeze according to the repayment amount;
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[0008] If the remaining repayment is not received after the pre-set requesting payment period, the remaining frozen funds corresponding to the Bank Credit Certificate are allocated to the fund management account and the default record of the First Participant is synchronized to the fund management credit system;
[0009] Among them, the Bank Credit Certificate is the Second Participant to its account funds or credit limit as a deposit to the Funds-Management server and by the Funds-Management server to open the electronic commitment payment certificate.
[0010] According to an aspect of the present invention, there is provided a loan repayment system for use in a Funds-Management server comprising the following modules:
[0011] The receiving module configured to receive notification that the Second Participant replaces the partial payment by the First Participant, and repayment by the First Participant;
[0012] The repayment processing module is arranged to receive the part of the repayment of the Second Participant in lieu of the First Participant after the partial repayment, according to the amount of repayment, part of the frozen funds corresponding to the Bank Credit Certificate shall be allocated to the funds management account;
[0013] Default processing module, if the remaining remuneration is not received after the pre-set requesting payment period, the remaining frozen funds corresponding to the credit certificate are allocated to the fund management account and the default record of the First Participant is synchronized to Capital management credit system;
[0014] Among them, the Bank Credit Certificate is the Second Participant to its account funds or credit limit as a deposit to the Funds-Management server and by the Funds-Management server to open the electronic commitment payment certificate.
The beneficial effect of the invention Beneficial effect
The beneficial effect of the invention Beneficial effect
[0015] The loan reprocessing method and system provided by the present invention, through the introduction of Bank Credit Certificate guarantee lending transactions, the First Participant's default record synchronization to the funds management credit system, thereby increasing the First Participant default costs. At the same time, providing the Second Participant instead of the First Participant's partial repayment method can alleviate the short-term capital pressure of the First Participant and increase the possibility of repayment success. In case of default by the First Participant, the Second Participant shall bear the losses of the non-repayment loan by allocating the frozen funds corresponding to the Bank Credit Certificate to the funds management account so as to reduce the risk of loan funds and make the lending transaction safer.
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A brief description of the drawings Brief Description
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A brief description of the drawings Brief Description
[0016] Figure 1 is a flow chart of a loan repayment processing method provided by an example of the present invention;
[0017] Figure 2 is a flow chart of another method of repayment processing provided by an example of the present invention.
[0018] Figure 3 is a block diagram of a loan repayment system provided in an example of the present invention.
[0019] Figure 4 is a block diagram of another loan repayment system provided in an example of the present invention.
Examples of the Invention Implementation pattern of the present invention
Examples of the Invention Implementation pattern of the present invention
[0020] To make the technical problems, technical solutions and advantages more apparent and clear, the present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific examples described herein are merely illustrative of the invention and are not intended to limit the invention.
[0021] In the present invention, the First Participant is the borrower. The Second Participant is an individual or organization that intends to initiate a loan intention with the First Participant, but has secured a guarantee in the actual lending transaction. A fund management institution is a financial institution that supports capital flows and transactions and acts as a lender in a loan transaction. Among them, the Bank Credit Certificate is the Second Participant to its account funds or credit limit as a deposit to the Funds-Management server and by the Funds-Management server to open the electronic commitment payment certificate. The Bank Credit Certificate is the financial management institution promised to pay in accordance with the conditions of settlement and payment of electronic credit credentials. The Bank Credit Certificate is a financial management institution credit commitment to pay an Internet innovation base financial instruments, mainly for the buyer's products, by the seller to download the cashier access interface, by the buyer to complete the proof of the certificate, the seller to complete receipt and compliance, submitted to the payment, the final letter of credit arrived at the automatic payment. The Bank Credit Certificate can not only use for buying goods, can also be used for mortgage guarantees. A fund management institution is an institution that can support capital flows, including but not limited to banks and other financial institutions (such as securities institutions). Correspondingly, the Funds-Management server includes a bank server or I I
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 fmancial institution credit system. In the present invention, the Second Participant is requested to open a bank credit certificate by the second participation party as a guarantee for the loan to the other person. The Funds-Management server receives the Bank Credit Certificate of the Second Participant who has applied for the same amount as the loan amount. After the license, the corresponding amount in the Second Participant's account is frozen and the loan is granted to the First Participant on the basis of this condition. 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, but does not affect the Second Participant's current interest collection during the lock-out period. For example, the balance of the second-party 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 300,000, or the Funds-Management server uses 100,000 of the balance of funds to calculate the Second Participant current interest, and separate calculation of Bank Credit Certificate during the lock-out period of funds current interest.
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 fmancial institution credit system. In the present invention, the Second Participant is requested to open a bank credit certificate by the second participation party as a guarantee for the loan to the other person. The Funds-Management server receives the Bank Credit Certificate of the Second Participant who has applied for the same amount as the loan amount. After the license, the corresponding amount in the Second Participant's account is frozen and the loan is granted to the First Participant on the basis of this condition. 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, but does not affect the Second Participant's current interest collection during the lock-out period. For example, the balance of the second-party 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 300,000, or the Funds-Management server uses 100,000 of the balance of funds to calculate the Second Participant current interest, and separate calculation of Bank Credit Certificate during the lock-out period of funds current interest.
[0022] Example 1
[0023] As shown in Figure 1, an example of the present invention provides a repayment processing method for use in a Funds-Management server-based, which method comprises the following steps:
[0024] S101, after receiving the notification for the Second Participant replacing the First Participant to make partial repayment, the part of the frozen funds corresponding to the Bank Credit Certificate shall be unfreeze according to the repayment amount;
[0025] Among them, the Bank Credit Certificate is the Second Participant to its account funds or credit limit as a deposit to the Funds-Management server and by the Funds-Management server to open the electronic commitment payment certificate.
[0026] S102, if the remaining remuneration is not received after the pre-set requesting payment period, the remaining frozen funds corresponding to the Bank Credit Certificate are allocated to the fund management account and the default record of the First Participant is synchronized to the fund management credit reporting system.
[0027] Specifically, within the requesting payment period (for example, one month), the funds management institution may, through the Funds-Management server or manually, remit the remaining loan to the First Participant, and if the First Participant exceeds the requesting I I
payment period (The failure of the requesting payment), the corresponding funds will be allocated to the funds management account, to ensure that the funds management institution loan funds without risk, by the Second Participant to bear the loss of loans back.
While the First Participant's default record is synchronized to the fund management credit system, by entering the credit for the First Participant, so that the First Participant can not use the credit limit and increase the default cost of the First Participant.
payment period (The failure of the requesting payment), the corresponding funds will be allocated to the funds management account, to ensure that the funds management institution loan funds without risk, by the Second Participant to bear the loss of loans back.
While the First Participant's default record is synchronized to the fund management credit system, by entering the credit for the First Participant, so that the First Participant can not use the credit limit and increase the default cost of the First Participant.
[0028] In this example, the introduction of Bank Credit Certificate guarantee for lending transactions, can increase the default cost of the First Participant, while providing the Second Participant to replace the first part of the repayment of the First Participant can increase the repayment of the loan possibility to reduce the risk of loan funds, making lending transactions safer.
[0029] Example 2
[0030] As shown in Figure 2, an example of the present invention provides a method of repayment, which is exemplified by a funds management institution as a bank and a Funds-Management server as a bank server. The method comprises the steps of:
[0031] S201, determine whether all loan funds and loan interest of the First Participant within a preset repayment deadline are received, and if yes, execute step S202;
otherwise, execute step S204.
otherwise, execute step S204.
[0032] S202, all of the remaining frozen funds of the unfrozen Bank Credit Certificate are allocated and the loan interest is allocated in the Second Participant account and the bank loan account according to the pre-set rule.
[0033] In this step, the First Participant, after settling all of loan funds at the agreed loan period, the bank server unfreezes all of frozen funds corresponding to the Bank Credit Certificate, at the same time, the unfrozen frozen funds and the corresponding current interest in the Second Participant's account automatically becomes available. The bank server will allocate loan interest on the Second Participant's account and the bank loan account as per the preset rule.
[0034] S203, the First Participant synchronizes the loan repayment record to the bank credit information system, and increases the credit level of the First Participant, and then proceeds to step S213.
[0035] In this step, by raising the credit level of the First Participant, the First Participant can be motivated to repay actively.
[0036] S204, request the First Participant to make repayment within predetermined requesting payment period.
[0037] Specifically, the bank can manually reminder the First Participant to pay the remaining loans, but also through the bank server to conduct all-round reminder the remaining loans, such as by one or more of the following combinations of reminder methods: dial-up notice First Participant preselected telephone number or a mobile phone, sending an e-mail notification to the e-mail pre-set by the First Participant, pushing the information to the software program client registered with the First Participant, sending short message service (SMS) notification to the mobile number pre-set by the First Participant, send a Quick Question (QQ) message to the First Participant's default QQ number, or send a message to the First Participant's default Wechat number.
[0038] S205, determine whether a notification that the Second Participant replaces the partial repayments of the First Participant within a preset requesting payment period is received. If yes, execute step S206; otherwise, execute step S208.
[0039] Specifically, the First Participant and Second Participant can reach an agreement offline and the Second Participant replaces the first part of the repayment within the preset dunning period to provide a more flexible repayment method to relieve the First Participant's short-term financial pressure to improve the possibility of repayment of the loan.
[0040] S206, according to the repayment amount of Bank Credit Certificate transfer part of the corresponding frozen funds to the bank loan account.
[0041] S207, raise the credit level of the Second Participant.
[0042] Specifically, after the Second Participant replaces the First Participant for partial payment, the bank server increases the credit level of the Second Participant, thereby encouraging the Second Participant. In addition, the loan interest corresponding to the above partially frozen funds and delay fees within the dunning period may also be allocated to the Second Participant account and the bank loan account according to a preset rule.
[0043] S208, determine whether a notification is received that the First Participant has repay the remaining repayments within the preset requesting payment period, and if yes, execute step S209; otherwise, execute step S211.
[0044] S209, unfreezing the remaining frozen funds corresponding to the Bank Credit Certificate.
[0045] Specifically, the First Participant, after settling all of loan funds at the agreed requesting payment period, the bank server unfreezes frozen funds corresponding to the Bank Credit Certificate, at the same time, the unfrozen remaining frozen funds and the corresponding current interest in the Second Participant's account automatically becomes available.
[0046] S210, assign loan interest, and delay fees within in the requesting payment period to the Second Participant account and the bank loan account according to a pre-set rule, and proceed to step S213.
Date Recue/Date Received 2020-04-09 I I
Date Recue/Date Received 2020-04-09 I I
[0047] Specifically, due to the characteristics of the Bank Credit Certificate, the current interest during the freezing period is automatically calculated in the Second Participant account and becomes available when the frozen funds are de-frozen. And the loan interest is transferred by the First Participant to the bank loan account at the same time. Of course, the Second Participant and the bank can also be another agreement on the distribution of loan benefits, in accordance with the agreed way to conduct redistribution. In order to further increase the default cost of the First Participant, delay fees may be charged to the First Participant for late payment.
[0048] S211, allocate the remaining frozen funds of the Bank Credit Certificate to the bank loan account.
[0049] S212, synchronize the default record of the First Participant to the bank credit system, reducing the credit rating of the First Participant.
[0050] Specifically, in this step, synchronizes the default record of the First Participant to the bank credit system, recording the credit stain of the First Participant and that the First Participant fails to use the bank credit limit so as to further increase the default cost of the First Participant and reduce the default possibility of the First Participant.
[0051] S213, end the process.
[0052] In the present example, if the First Participant keep repayment as agreement, the Bank Credit Certificate applied by the Second Participant will be de-frozen, and the Second Participant and the bank load account are allocated the loan interest in accordance with the agreed rules. If the First Participant does not repay the loan as agreed, the Bank Credit Certificate will remain frozen for a fixed term (requesting payment period), remitted by the bank to the First Participant through labour or bank server, and if the First Participant completes repayment within the requesting payment period, the Second Participant and the bank according to the agreement to distribute the loan interest and delay fees; if the First Participant does not repay within the requesting payment period (bank requesting payment failure) , the remaining funds of the Bank Credit Certificate will be allocated to the bank loan account, the Second Participant shall not ask for the loss of loans, so as to safeguard the interest of the bank.
[0053] In addition, increasing the delay fees in the requesting payment period and reducing the credit level after the First Participant defaults to make it impossible to use the credit limit, further increases the default cost of the First Participant. By synchronizing the repayment records of the Second Participant instead of the First Participant to the bank credit system, the credit level of the Second Participant is increased, the Second Participant is encouraged to voluntarily repay the debts of the First Participant to further improve the possibility of I I
repayment success. Moreover, in the case of a default by the First Participant, the remaining frozen funds corresponding to the debit and credit card will be released to the bank loan account, which will be borne by the Second Participant for the loss of the loan, so as to ensure the interests of the bank and make the loan trading safer.
repayment success. Moreover, in the case of a default by the First Participant, the remaining frozen funds corresponding to the debit and credit card will be released to the bank loan account, which will be borne by the Second Participant for the loss of the loan, so as to ensure the interests of the bank and make the loan trading safer.
[0054] Example 3
[0055] As shown in Figure 3, an example of the present invention provides a repayment processing system for use in a Funds-Management server, which comprises the receiving module 10, repayment processing module 20, and default processing module 30.
[0056] The receiving module 10 configured to receive notification that the Second Participant replaces the partial payment by the First Participant, and repayment by the First Participant;
[0057] The payment processing module 20 is arranged to after receiving the notification for the Second Participant replacing the First Participant to make partial repayment, the part of the frozen funds corresponding to the Bank Credit Certificate shall be unfreeze according to the repayment amount. Wherein, the Bank Credit Certificate is the Second Participant to its account funds or credit limit as a deposit to the Funds-Management server and by the Funds-Management server to open the electronic commitment payment certificate.
[0058] In order to ensure that the First Participant or the Second Participant still owes the loan within the preset dunning period, the Bank Credit Certificate r can still be unfrozen, but at the same time, increasing the First Participant's extension of repayment cost.
The repayment processing module 20 is further provided to: if the remaining repayment is received within the pre-set requesting payment period, the remaining frozen funds corresponding to the Bank Credit Certificate are thawed and the Second Participant account and the funds management account will be allocated the loan interest and the delay fees in the requesting payment period as per the pre-set rules.
The repayment processing module 20 is further provided to: if the remaining repayment is received within the pre-set requesting payment period, the remaining frozen funds corresponding to the Bank Credit Certificate are thawed and the Second Participant account and the funds management account will be allocated the loan interest and the delay fees in the requesting payment period as per the pre-set rules.
[0059] Specifically, due to the characteristics of the Bank Credit Certificate, the current interest during the freezing period is automatically calculated in the Second Participant account and becomes available when the frozen funds are de-frozen. And the loan interest is transferred by the First Participant to the fund management account at the same time. Of course, the Second Participant and the fund management institution can also be another agreement on the distribution of loan benefits, in accordance with the agreed way to conduct redistribution. In order to further increase the default cost of the First Participant, delay fees may be charged to the First Participant for late payment.
[0060] The default processing module 30 is configured to allocate the remaining frozen funds corresponding to the bank credit certificate to the fund management account if the remaining repayment is not received after exceeding the pre-set requesting payment period and synchronize the default record of the First Participant to the fund management credit system.
[0061] As shown in Figure 4, in some examples, the system further includes a dunning module 40 and a credit management module 50.
[0062] The requesting payment module 40, is configure to request the First Participant to make repayment within the requesting payment period.
[0063] Specifically, the requesting payment module 40 may be specifically configured to perform requesting payment by any one or more of the following: dialling the First Participant's default telephone number or mobile phone, sending e-mail notification to the First Participant E-mail, pushing message to the registered software program client of the First Participant, sending SMS notification to the present mobile number of the First Participant, sending message to the QQ number of the First Participant, or sending message to the Wechat number of the First Participant. Of course, the requesting payment module 40 may be carried out manually off-line and omitted.
[0064] The credit management module 50 arranged to raise the credit level of the Second Participant if a notification is received that the Second Participant replaces the partial payment of the First Participant; and also can be set to lower the credit level of the First Participant if the remaining payment is not received after the preset requesting payment period is exceeded
[0065] It is important to note that the technical features of the above-described method in example is applicable in the present system and is not need to repeated here.
[0066] The general technicians of this field can understand and implement all or parts of steps in the above-mentioned examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk and light disk.
[0067] The preferred examples of the present invention have been described above with reference to the accompanying drawings, which are not to limit the scope of the present invention. It will be apparent to those skilled in the field that various modifications, equivalents, and improvements may be made without departing from the scope and spirit of the invention.
Industrial utility
Industrial utility
[0068] The present invention provides a smart fmancial lending and trading system, the introduction of Bank Credit Certificate guarantee for lending transactions, the First Participant's default record synchronization to the funds management credit system can increase the cost of default of the First Participant, At the same time, providing the Second I I
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Participant instead of the First Participant's partial repayment method can alleviate the short-term capital pressure of the First Participant and increase the possibility of repayment success, so as to reduce the risk of loan funds and make the lending transaction safer. In addition, increasing the delay fees in the requesting payment period and reducing the credit level after the First Participant defaults to make it impossible to use the credit limit, further increases the default cost of the First Participant. By synchronizing the repayment records of the Second Participant instead of the First Participant to the bank credit system, the credit level of the Second Participant is increased, the Second Participant is encouraged to voluntarily repay the debts of the First Participant to further improve the possibility of repayment success. Moreover, in the case of a default by the First Participant, the remaining frozen funds corresponding to the debit and credit card will be released to the bank loan account, which will be borne by the Second Participant for the loss of the loan, so as to ensure the interests of the bank and make the loan trading safer.
Therefore, it has industrial applicability.
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Participant instead of the First Participant's partial repayment method can alleviate the short-term capital pressure of the First Participant and increase the possibility of repayment success, so as to reduce the risk of loan funds and make the lending transaction safer. In addition, increasing the delay fees in the requesting payment period and reducing the credit level after the First Participant defaults to make it impossible to use the credit limit, further increases the default cost of the First Participant. By synchronizing the repayment records of the Second Participant instead of the First Participant to the bank credit system, the credit level of the Second Participant is increased, the Second Participant is encouraged to voluntarily repay the debts of the First Participant to further improve the possibility of repayment success. Moreover, in the case of a default by the First Participant, the remaining frozen funds corresponding to the debit and credit card will be released to the bank loan account, which will be borne by the Second Participant for the loss of the loan, so as to ensure the interests of the bank and make the loan trading safer.
Therefore, it has industrial applicability.
Claims (30)
1. A computer-implemented repayment processing method stored in a readable storage media of a funds-management server, the method comprising:
after receiving a notification, via electronic communication, for a second participant replacing a first participant to make a partial repayment of a loan, stored as data in the readable storage media, electronically unfreezing with the funds-management server a part of a frozen funds data stored in the readable storage media, the frozen funds data corresponding to a bank credit certificate stored in a readable storage media of a second participant account according to the repayment amount, wherein the second participant is an individual, wherein the first participant is a borrower of the loan, stored as data in the readable storage media;
increasing with the funds-management server a credit rating of the second participant in a readable storage media of a bank credit system after receiving, via electronic communication, a notification for a partial repayment made by the second participant in lieu of the first participant within a pre-set dunning period stored as data in the readable storage media;
when the remaining repayment is not electronically received within the pre-set dunning period, electronically allocating with the funds-management server the remaining frozen funds data corresponding to the bank credit certificate to the funds-management account by the funds-management server; and synchronizing with the funds-management server a default record of the first participant to a funds-management credit system, stored as data in the readable storage media.
after receiving a notification, via electronic communication, for a second participant replacing a first participant to make a partial repayment of a loan, stored as data in the readable storage media, electronically unfreezing with the funds-management server a part of a frozen funds data stored in the readable storage media, the frozen funds data corresponding to a bank credit certificate stored in a readable storage media of a second participant account according to the repayment amount, wherein the second participant is an individual, wherein the first participant is a borrower of the loan, stored as data in the readable storage media;
increasing with the funds-management server a credit rating of the second participant in a readable storage media of a bank credit system after receiving, via electronic communication, a notification for a partial repayment made by the second participant in lieu of the first participant within a pre-set dunning period stored as data in the readable storage media;
when the remaining repayment is not electronically received within the pre-set dunning period, electronically allocating with the funds-management server the remaining frozen funds data corresponding to the bank credit certificate to the funds-management account by the funds-management server; and synchronizing with the funds-management server a default record of the first participant to a funds-management credit system, stored as data in the readable storage media.
2. The method of claim 1 further includes:
Date Recue/Date Received 2022-08-18 requesting the first participant to make remaining repayment of the loan within the pre-set dunning period.
Date Recue/Date Received 2022-08-18 requesting the first participant to make remaining repayment of the loan within the pre-set dunning period.
3. The method of claim 2, wherein requesting the first participant to make remaining repayment of the loan within a default dunning period, the method further includes:
dialing a telephone number or a mobile phone pre-set by the first participant.
dialing a telephone number or a mobile phone pre-set by the first participant.
4. The method of claim 2, wherein requesting the first participant to make remaining repayment of the loan within a default dunning period, the method further includes:
sending an e-mail notification to the e-mail pre-set by the first participant.
sending an e-mail notification to the e-mail pre-set by the first participant.
5. The method of claim 2, wherein requesting the first participant to make remaining repayment of the loan within a default dunning period, the method further includes:
sending a text message to a mobile number pre-set by the first participant.
sending a text message to a mobile number pre-set by the first participant.
6. The method of claim 2, wherein requesting the first participant to make remaining repayment of the loan within a default dunning period, the method further includes:
pushing a message to a registered software program client of the first participant.
pushing a message to a registered software program client of the first participant.
7. The method of claim 2, wherein requesting the first participant to make remaining repayment of the loan within a default dunning period, the method further includes:
Date Recue/Date Received 2022-08-18 sending a Quick Question (QQ) message to the first participant's QQ number pre-set by the first participant.
Date Recue/Date Received 2022-08-18 sending a Quick Question (QQ) message to the first participant's QQ number pre-set by the first participant.
8. The method of claim 2, wherein requesting the first participant to make remaining repayment of the loan within a default dunning period, the method further includes:
sending a message to the first participant's Wechat number pre-set by the first participant.
sending a message to the first participant's Wechat number pre-set by the first participant.
9. The method of claim 1 further includes:
when electronically receiving the remaining repayment from the first participant during the pre-set dunning period, electronically unfreezing the remaining funds of the loan according to the bank credit certificate;
electronically allocating loan interest as well as overdue fine during the pre-set dunning period on the second participant's account as data in the readable storage media of the second participant's account and a funds management account as data in the readable storage media of the funds management server when the remaining repayment has not been electronically received during the pre-set dunning period.
when electronically receiving the remaining repayment from the first participant during the pre-set dunning period, electronically unfreezing the remaining funds of the loan according to the bank credit certificate;
electronically allocating loan interest as well as overdue fine during the pre-set dunning period on the second participant's account as data in the readable storage media of the second participant's account and a funds management account as data in the readable storage media of the funds management server when the remaining repayment has not been electronically received during the pre-set dunning period.
10. The method of claim 1 further includes:
when the remaining repayment is not electronically received within the pre-set dunning period, reducing a first participant credit rating in one or more of a second bank credit system as data in the readable storage media of the second bank credit system and the bank credit system as data in the readable storage media of the bank credit system.
Date Recue/Date Received 2022-08-18
when the remaining repayment is not electronically received within the pre-set dunning period, reducing a first participant credit rating in one or more of a second bank credit system as data in the readable storage media of the second bank credit system and the bank credit system as data in the readable storage media of the bank credit system.
Date Recue/Date Received 2022-08-18
11. The method of any one of claims 1 to 10, wherein the bank credit certificate is electronically issued by the second participant to the funds-management server and generated by the funds-management server as a guarantee of the account funds or credit line.
12. The method of any one of claims 1 to 11, wherein the funds-management server is a bank's server.
13. The method of any one of claims 1 to 11, wherein the funds-management server is a other financial institution's server.
14. The method of any one of claims 1 to 13, wherein the funds-management account includes a bank loan account stored as data in the readable storage media of the funds-management server.
15. The method of any one of claims 1 to 13, wherein the funds-management account includes an other financial institution's loan account stored as data in the readable storage media of the funds-management server.
16.A repayment processing funds-management server, the funds-management server comprising:
a receiving module, configured to:
electronically receive funds data of a loan from a first participant stored in a machine readable storage medium; and Date Recue/Date Received 2022-08-18 receive a notification for, via electronic communication, a second participant replacing a first participant to make a partial repayment of the loan stored as data in the readable storage media, wherein the second participant is an individual, wherein the first participant is a borrower of the loan, stored as data in the readable storage media;
a repayment processing module, configured to:
electronically receive a processing notification for the second participant replacing the first participant to make the partial repayment; and unfreeze and allocate the corresponding frozen funds data stored in the readable storage media, the frozen funds data of a bank credit certificate stored in a readable storage media of in a second participant account according to the repayment amount to a funds-management account;
a default processing module, configured to:
allocate the remaining frozen funds data stored in the readable storage media, the frozen funds data corresponding to the bank credit certificate stored in the readable storage media to a funds-management account as data in the readable storage media of the funds management server when the remaining repayment is not received after a pre-set dunning period; and synchronize a default record of the first participant to a funds-management credit system, stored as data in the readable storage media; and a credit management module configured to:
Date Recue/Date Received 2022-08-18 increase a credit rating readable storage media of a of the second participant in a bank credit system after receiving, via electronic communication a notification for the partial repayment made by the second participant in lieu of the first participant within the pre-set dunning period stored as data in the readable storage media.
a receiving module, configured to:
electronically receive funds data of a loan from a first participant stored in a machine readable storage medium; and Date Recue/Date Received 2022-08-18 receive a notification for, via electronic communication, a second participant replacing a first participant to make a partial repayment of the loan stored as data in the readable storage media, wherein the second participant is an individual, wherein the first participant is a borrower of the loan, stored as data in the readable storage media;
a repayment processing module, configured to:
electronically receive a processing notification for the second participant replacing the first participant to make the partial repayment; and unfreeze and allocate the corresponding frozen funds data stored in the readable storage media, the frozen funds data of a bank credit certificate stored in a readable storage media of in a second participant account according to the repayment amount to a funds-management account;
a default processing module, configured to:
allocate the remaining frozen funds data stored in the readable storage media, the frozen funds data corresponding to the bank credit certificate stored in the readable storage media to a funds-management account as data in the readable storage media of the funds management server when the remaining repayment is not received after a pre-set dunning period; and synchronize a default record of the first participant to a funds-management credit system, stored as data in the readable storage media; and a credit management module configured to:
Date Recue/Date Received 2022-08-18 increase a credit rating readable storage media of a of the second participant in a bank credit system after receiving, via electronic communication a notification for the partial repayment made by the second participant in lieu of the first participant within the pre-set dunning period stored as data in the readable storage media.
17. The server of claim 16 further includes a requesting module configured to:
when the remaining repayment has not been received within the pre-set repayment period, request the first participant for the remaining repayment within the pre-set dunning period.
when the remaining repayment has not been received within the pre-set repayment period, request the first participant for the remaining repayment within the pre-set dunning period.
18. The server of claim 17 further includes the requesting module configured to dial a telephone number or a mobile phone pre-set by the first participant.
19. The server of claim 17 further includes the requesting module configured to send an e-mail notification to an e-mail pre-set by the first participant.
20. The server of claim 17 further includes the requesting module configured to send a text message to a mobile number pre-set by the first participant.
21. The server of claim 17 further includes the requesting module configured to push a message to a registered software program client of the first participant.
22. The server of claim 17 further includes the requesting module configured to send a Quick Question (QQ) message to the first participant's QQ number pre-set by the first participant.
23. The server of claim 17 further includes the requesting module configured to send a message to the first participant's Wechat number pre-set by the first participant.
Date Recue/Date Received 2022-08-18
Date Recue/Date Received 2022-08-18
24. The server of claim 16, wherein the repayment processing module is further configured to:
electronically allocate loan interest as well as overdue fine during the dunning period on the second participant's account as data in the readable storage media of the second participant's account and the funds management account as data in the readable storage media of the funds management server when electronically receiving the remaining repayment from the first participant during the pre-set dunning period.
electronically allocate loan interest as well as overdue fine during the dunning period on the second participant's account as data in the readable storage media of the second participant's account and the funds management account as data in the readable storage media of the funds management server when electronically receiving the remaining repayment from the first participant during the pre-set dunning period.
25. The system of claim 16 further includes a credit management module further configured to:
when the second funds-management server fails to electronically receive the remaining repayment within the pre-set dunning period, reduce a first participant credit rating in the bank credit system as data in the readable storage media.
when the second funds-management server fails to electronically receive the remaining repayment within the pre-set dunning period, reduce a first participant credit rating in the bank credit system as data in the readable storage media.
26. The server of any one of claims 16 to 24, wherein the bank credit certificate is electronically issued by the second participant to the funds-management server and generated by the funds-management server as a guarantee of the account funds or credit line.
27. The server of any one of claims 16 to 24, wherein the funds-management server is a bank's server.
28. The server of any one of claims 16 to 24, wherein the funds-management server is another financial institution's server.
Date Recue/Date Received 2022-08-18
Date Recue/Date Received 2022-08-18
29. The server of any one of claims 16 to 28, wherein the funds-management account includes a bank loan account stored as data in the readable storage media of the funds-management server.
30. The server of any one of claims 16 to 28, wherein the funds-management account includes an other financial institution's loan account stored as data in the readable storage media of the funds-management server.
Date Recue/Date Received 2022-08-18
Date Recue/Date Received 2022-08-18
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/080400 WO2016191980A1 (en) | 2015-05-29 | 2015-05-29 | Repayment processing method and system |
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| CA2987303A1 CA2987303A1 (en) | 2016-12-08 |
| CA2987303C true CA2987303C (en) | 2023-03-14 |
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| CA2987303A Active CA2987303C (en) | 2015-05-29 | 2015-05-29 | Repayment processing method and system |
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| CA (1) | CA2987303C (en) |
| WO (1) | WO2016191980A1 (en) |
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| CN1609881A (en) * | 2004-11-22 | 2005-04-27 | 陆航程 | Use method for the third party telecommunication pressing payment for loan honest management system |
| CN101122986A (en) * | 2006-08-08 | 2008-02-13 | 阿里巴巴公司 | Method and system for implementing debit and credit by network |
| US20080109347A1 (en) * | 2006-08-22 | 2008-05-08 | Pilcher John W | System and methods for constructing loans |
| 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 |
| CN104881809A (en) * | 2015-05-29 | 2015-09-02 | 深圳市银信网银科技有限公司 | Repayment processing method and system |
| CN104915882A (en) * | 2015-05-29 | 2015-09-16 | 深圳市银信网银科技有限公司 | Loan repaying processing method and system |
| CN104867054A (en) * | 2015-05-29 | 2015-08-26 | 深圳市银信网银科技有限公司 | Loan repaying processing method and system |
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- 2015-05-29 WO PCT/CN2015/080400 patent/WO2016191980A1/en active Application Filing
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| CA2987303A1 (en) | 2016-12-08 |
| WO2016191980A1 (en) | 2016-12-08 |
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