CN101377844A - System and method for discharge of debt - Google Patents
System and method for discharge of debt Download PDFInfo
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- CN101377844A CN101377844A CNA2007101479920A CN200710147992A CN101377844A CN 101377844 A CN101377844 A CN 101377844A CN A2007101479920 A CNA2007101479920 A CN A2007101479920A CN 200710147992 A CN200710147992 A CN 200710147992A CN 101377844 A CN101377844 A CN 101377844A
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Abstract
The invention provides a debt discharge system and a method thereof, which is applied in the field of financial electronic business. The invention is to establish a direct financial fund trade platform by using Internet technology so that a debtor can raise sinking fund to discharge debts more flexibly and efficiently at low cost, in particular credit card debts and loans on credit. In the system and the method, a debt discharge system is used as the main operation body of a whole platform. After a sinking fund demander lodges a request to the platform, the platform analyzes the request according to the debt discharge demands and the credit standing; after the credit of the debtor is improved, the platform guides the debtor into a fund flow trade module for trading funds, and uses the acquired funds for discharging the existing debts in priority; the debtor can pay by installment through regular payment of platform membership fees. The system and the method can improve the desire of the debtor to discharge debts and reduce the interests. In addition, financial institutions can accelerate the treatment of overdue loans and bad debts.
Description
Technical field
The present invention relates to use the efficiency of direct finance to offer the system and method that the debtor clears up the debt.System of the present invention is to use direct finance fund transaction platform of the Internet construction, is aided with that fund gold stream is brought together, pairing and mechanism of exchange, makes the debtor be raised sinking fund and pays one's debts, particularly credit card debt and fiduciary loan debt.
Background technology
On June 8th, 2007, Chinese Taiwan legislature was by " consumer's consolidation of debt regulations ", its purpose is to pass through legal means, the people's part of remitting a debt debt, and relatively give the restriction of the many freedom of person of debtor, wish to promote whereby debtor's wish of refunding, reduce the bad debt remaining sum of lending agency, and then promote social stability.This method of utilizing legal means to solve business problem with making debtor's credit be subjected to annotation, will cause irreparable harm throughout one's life; With regard to credits mechanism, because the intervention of political power causes losing of credits, the circulation efficiency of fund is slow with making, and forms the vicious cycle situation of " rich dare not borrowing money runs out, and that charges fails to borrow money ".
Pueraria lobota draws (Grameen Bank) the founder's Yunus doctor of people bank (MuhammadYunus) in the refusal World Bank during to the assistance of its low-interest loan, propose an idea: assistance is not to solve poor method, only appeals to commercial activity and just can have the problem settled thoroughly.It is tried out for the moment that the present invention will solve commercial situation with business method, reaching the highest allocative efficiency of social resources, and makes the debtor obtain more living chance, not only do not influence its credit standing, more must not pay cost freely on the living conditions.
Current commercial bank is created a kind of indirect finance fund flow mechanism, and this mechanism is because bank, can not create the optimum efficiency of gold stream at intermediary operation, and profit is earned with the role of intermediary by bank, more makes the transaction cost of debtor and creditor rise.Therefore, the directly financial fund efficient of utilization solves debt problem, background motivation promptly of the present invention.
U.S. publication US 2006/0080236 A1 " Method and system for debtrecovery (debt reclaim method and system) " makes bank's pressure of being in debt heavy but still be ready the secondary refund chance of the client who refunds, by giving the client one group of device of getting in touch with bank, as stored value card, prepaid card or even SIM cards of mobile phones etc., the client is weighed refund when being difficult for, can start this device contact bank, notifying bank gives new repayment schedule with the refund pressure of releiving.But this patent only provides a kind of trade connection means, in the hope of increasing client's refund wish, is not the loan repayment capacity that promotes the client, more can't provide clear and definite repayment schedule.
The more selected variablees relevant with client file information of U.S. publication US 2006/0064401 A1 " Systems and methods fordetecting fraudulent information (system and method for detecting fraud information) " are as selecting foundation, utilize these variablees that all client files are classified, again with the specification of variables control boundary line of every group categories as the criterion of detecting deceptive practices future.But whether the alleged bank's data of this patent can effectively contain all customers and be worth as reference, the difficulty that certain degree is arranged, and promote the reference standard and promptly reduce giving credit, this invention debtor's problem of not only can't determining, study carefully its technical characterictic itself, possibly can't really deal with problems.
U.S. publication US 2003/0074290 A1 " Methods; systems and articles ofmanufacture for managing delinquent financial accounts (method of financial account is in arrears with in management; system and object) " and U.S. publication US 2004/0073504 A1 " Systemsand methods for increasing recovery rates on delinquent financial accounts (system and method for the financial account recovery is in arrears with in increase) " provide a kind of new refund pattern (as adjusting client's parameter of refunding, postpone Account Closure etc.) in the hope of increasing the inducement that the debtor refunds, these two patents also can't just be changed the policy to attract the debtor with the direct financial instrument problem that compounds a debt.
Though above-mentioned patent provides certain methods, as the generation of first patent with prior detecting intention prevention debt problem, then three patents are then with afterwards remedial measures, wish to lower the bad account rate, but searching to the bottom, still with the operation of indirect finance means, is not best efficient measure.The present invention is directed to above problem a kind of solution and system are provided,, have progressive with respect to above-mentioned four patents.
Summary of the invention
Fundamental purpose of the present invention is as follows:
1. offer the chance of debtor Geng Sheng: debtor's (fiduciary loan debt that refers to credit card debt and dear money especially) is too high because of interest rate on borrowings, even the refund wish is arranged, there is not loan repayment capacity yet, if according to " consumer's consolidation of debt regulations ", this debtor problem that must voluntary bankruptcy can compound a debt, but credit standing and life style to the debtor will cause very large influence, and the present invention can repay and directly financial the loaning bill by dead horse, improve debtor's loan repayment capacity, make the suffered influence of its life drop to minimum;
2. reducing bank exceedes and puts: because of the debtor has an opportunity not only to promote its loan repayment capacity to refund than low interest rate, also significantly increase its refund wish, to the Fang Eryan of bank, promptly significantly reduce and exceed the possibility of putting;
3. promote social operating efficiency with business method: at present TaiWan, China government is with compound a debt people's problem of " consumer's consolidation of debt regulations " intention, but this solves the practice of business problem with policy, and can't reach optimum efficiency, i.e. so-called " curing the symptoms, not the disease ", and the present invention is on the basis of the network technology, development one cover Electronic Finance commercial affairs module, utilize the efficient difference of directly financial and indirect finance to help the debtor, decapacitation really promotes the fund operating efficiency, can reach the function of stable society again;
4. create direct finance and deposit financial discipline by means of one: the present invention carries out brining together of debt side and deposit side with golden stream mechanism, eliminate traditional bank and coordinate the poor efficiency of (being indirect finance) in the centre, reach real direct finance, in addition and create a kind of new method and make to deposit and integrate, promote user's dirigibility by means of both sides;
5. promote debt-credit speed and efficient with the Internet: the present invention is an e-commerce system, can set up an e-commerce website, make the more convenient use of participant, must not be subjected to existing tradition debt-credit all need come to bank personally or contact the inconvenience that caused with the office staff and restriction that the time is wasted.
For realizing above purpose, the debt service system of an efficient activity of construction of the present invention, described system comprises a management server, by communication or network, provides user's interface online with it to the user, and under the system environments of safety exchange message real-time with it; Individual application's data of the management server person of accepting applications input, carry out member's attributive analysis, with member's classification, management and control credit strengthening process, the Trading Authorization of monitoring gold stream place an order signatory, the member is imported the transaction of gold stream, and carry out clearing and complete a business transaction program.Described system also comprises a database, is used for storing the required data of aforesaid operations process, writes down result and data for updating simultaneously.Described debt service system further comprises following modules:
One member applies for module: management server utilizes individual application's data of this resume module user input, judges whether this user meets membership.These information storage are in database, and when the member logined in the future, this module was extracted the foundation of this information as management and control;
One member's attributive classification module: management server utilizes this module analysis member's credit history as well as and financial position, the member is categorized as the member of general member and tool debt service demand, and calculate and to grant the member in order to discharging gold stream amount and its every month refund amount of money can bearing of existing debt, and deposit these information in database;
One credit reinforced module: management server utilizes this module, and it is continuous that the member's of monitoring tool debt service demand joint guarantor or gage are levied handle, handles the data of joint guarantor or gage, and deposits information in database;
One member imports gold stream transaction modules: management server utilizes this module, general member is directly imported the transaction of gold stream, and the member of monitoring tool debt service demand signs the mandate that participates in the transaction of the gold stream contract that places an order, after this module is received the message that license Agreement signature that the licensee transmits finishes, the member of tool debt service demand is imported the transaction of gold stream, check and determine whether to accept the member's of general member and tool debt service demand terms of trade in the lump, finish transaction up to the member, and deposit this information in database;
Module is completed a business transaction in one clearing: management server utilizes place an order transaction winning bidder and the unsuccessful bidder of this module for general member, and the member of tool debt service demand settles accounts respectively and complete a business transaction, and deposits data in database;
The debt service system of the efficient activity of institute of the present invention construction is online with the member by network or communication modes with a management server, and management server also provides particular webpage simultaneously, uses it to install and its binding for the member.The method of operating of described system is as follows: system accepts the user and enters the webpage login individual application of system data, through system audit user identity, gives member's number of the account and membership password, finishes member's logging program; Secondly, described systematic analysis member's speciality, credit and Financial Information judge that the member is the member of general member or tool debt service demand; Member at tool debt service demand, described system assigns and levies the instruction of carrying joint guarantor or gage, and the member who requires tool debt service demand signs and authorizes the contract that places an order, when described system receive joint guarantor or gage levy mention authorize the information that the contract signing that places an order finishes after, the member of tool debt service demand is imported the transaction of gold stream, carry out fund that its donor and general member carry out the transaction of the gold stream simultaneously program of bidding; After described system finishes gold stream transaction operation, carrying out general member's transaction winning bidder and unsuccessful bidder's clearing completes a business transaction, and appropriate gold stream transaction funds at the member who finishes the tool debt service demand that places an order and repay its existing debt, the member of this type of tool debt service demand of then described system monitoring regularly pays gold stream transaction fund.
The present invention also provides a kind of debt service method, it provides has debt service demand member and captures funds, with the acceleration debt service and with more low-cost fund amortization of debt, the method includes the steps of: user's login step, and described user logins the debt service system by user's interface in the mode of network on-line; One member's procedure to apply, described user imports application materials, and system appraises and decides membership by this data; One member's attributive classification step, the acquisition Member Information carries out attributive classification according to criteria for classification to the member; One credit is strengthened step, calculates the required credit of member and strengthens amount and the required credit line of carrying gage and guarantor of levying; One approval authority of contract signature step; One member imports gold stream transaction step, and the member is imported funds transaction; Step is completed a business transaction in one clearing, carries out the platform capital settlement and completes a business transaction.
Description of drawings
Fig. 1 is a debt service system diagram of the present invention.
Fig. 2 is the embodiment process flow diagram that carries out debt service with gold stream mode of doing business of the present invention.
Fig. 3 participates in gold stream transaction flow figure for the member of tool debt service demand of the present invention.
Embodiment
For the present invention can specifically be implemented, below describe embodiment in detail, and enumerate preferable specific embodiment and be described as follows:
Fig. 1 is a debt service system diagram of the present invention, please refer to shown in Figure 1, there is a management server 104 in this system 102, this management server is by network, wired and wireless communication mode,, link with devices such as computing machine, mobile phone, PDA for user 101 by user's interface 103 and management server 104; Simultaneously, this management server carries out security information exchange in real time by communication network, wire communication device, wireless communication apparatus and member; Management server 104 also links the database under data, information and result are deposited in respectively with database 110 and each module.This debt service system further comprises with lower module:
Member subscription module 105: this member subscription module has audit application client's basic document, and judges whether to accept the function of this application, after management server computing, processing, analysis, intersection comparison, carrying out, with data storing to database;
Member's attributive classification module 106: this member's attributive classification module has in order to the idiosyncrasy data of analyzing the member, acquisition and analysis member's credit history as well as and financial position data, judges the member of member for general member or tool debt service demand, and calculate that the member can grant tool debt service demand is used to repay the gold stream amount of existing debt and the function of the each issue refund amount of money can bearing, after management server computing, processing, analysis, intersection comparison, carrying out, with data storing to database;
Credit reinforced module 107: whether the member that this credit reinforced module possesses monitoring tool debt service demand finishes joint guarantor or gage, and to levy handle continuous, handle and examine the function of its joint guarantor or gage data, after management server computing, processing, analysis, intersection comparison, carrying out, with data storing to database;
The member imports gold stream transaction modules 108: this member imports gold stream transaction modules to be possessed the signature assigned and authorizes the instruction of the contract that places an order to give the member of tool debt service demand, whether the monitoring contract finishes signature, can be used for repaying the gold stream amount of existing debt and the each issue refund amount of money can bearing imports the gold stream transaction combination that is fit to it according to the member of tool debt service demand, running gold stream transaction platform, the gold of analyzing all members flows the condition that places an order of concluding the business, and the function of judging the winner that places an order, via the management server computing, handle, analyze, intersect and compare, after the execution, with data storage to database;
Native system have in addition a database 110 in order to storage management server operation, processing, analysis, intersection comparison, carry out each module function corresponding, each module and management server also by obtain in this database desired data with computing, processing, analysis, intersect comparison, carry out this function of dominant.
Fig. 2 is the embodiment process flow diagram that carries out debt service with gold stream mode of doing business of the present invention, please refer to shown in Figure 2, system 102 accepts the debt service system that member subscription (201) adds efficient activity, this member comprises the client and the common customer of tool debt service demand, the laggard guild person's attributive classification of system audit Member Information (202) is analyzed member's attribute and is carried out member visitor heap sort (judging whether to be tool debt service demander).If general member, then system accepts it and directly carries out gold stream conclude the business (206).If the member of tool debt service demand, then the system requirements member levies and carries joint guarantor or gage and strengthen (203) to carry out credit, after the information that this formality finishes is received by system, the indication member signs and authorizes the contract (204) that places an order, and after after receiving the signatory information of finishing, the member being imported gold stream transaction (205), handle the program (206) that general member and tool debt service demand member carry out the transaction of gold stream simultaneously, announce gold stream transaction results (207), and settle accounts and complete a business transaction (208).
Fig. 3 participates in gold stream transaction flow figure for the member of tool debt service demand of the present invention, please refer to shown in Figure 3, the mandate that system 102 the receives tool debt service demand members people that places an order participates in the information (301) of gold stream transaction, described system receives the gold stream terms of trade (302) of licensee's input, the gold stream terms of trade (303) that system validation is received, system check the gold stream terms of trade of being received (304).Terms of trade are not passed through if gold stream is judged by system, and then described system provides the chance of re-entering (305), and the licensee re-enters gold stream terms of trade (302).If gold stream terms of trade are judged and by checking, then finish the program of placing an order (306) that afterwards, system repays its existing debt (307) with the resulting golden floating fund of member by system; Then the system monitoring member regularly pays gold stream dealing money (308).
Below especially exemplified by an example, concrete implementing method of the present invention is described according to this.
Embodiment one
Second is a working clan who has just got into the society, and does not have bad custom at ordinary times, and every month cost is all quite normal, the salary of second be every month 36,000 yuan, deduct expenses such as rent, water power, the cost of living, also had about 10,000 surplus in average one month.Yet, because second is in the school-days, brush more than 40 ten thousand the amount of money with cash card and credit card and bought locomotive, name brands, mobile phone and holder for TV playing, the time still have 300,000 fund not pay off as yet to graduation, though in society stable salary income has been arranged, but because there is not savings to be difficult to once the fund of arrears be paid off, again issuing bank demand and the compressing of 19.71% superelevation circulation interest rate under, second is suffered untold misery really, even the stable and strong working clan of refund wish as income, be still unable to do what one wants very much to doly, have to be degraded into the stage of " card slave ".
Afterwards, second has heard that certain bank releases brand-new financial products---" the debt service System and method for of efficient activity " that Qiao Mei international network company is researched and developed, its mechanism can help the debtor taking under the stable situation, the amortization debt, particularly at the common people that have a mind to refund, can clear up arrears with rational interest rate by stages, need not bear great number circulation interest and force once and repay capital with interest, particularly regularly the mode of repayment of quota is not only stable, and directly also fall whole capitals of debt originally, can shorten the total issue of refund that existing debt is prolonged under at compound interest again.Second adds debt service of the present invention system after having listened resolutely, oneself breaks away from card slave's predicament early to allow.
At first, second adds this platform by member's online application program, and after platform was by the audit of its application materials, second was then imported some related datas, the spatial dimension that can bear as identity background, aggregate liability, every month loan repayment capacity, interest rate etc.Analyze member's attribute of second via platform after, judge that second needs about 300,000 yuan of platform credits to repay existing debt, before second being imported the transaction of gold stream, because just going into society, second do not put aside again, simple loans on credit, the platform risk is excessive, so the action that platform requires second must have a credit to strengthen can be regained with the fund of guaranteeing to emit on schedule.Credit that platform provided strengthens that mode can be that kith and kin go bail for, real estate mortgage or movable property are pledged.
The mode that the second decision is gone bail for kith and kin is reached the purpose that credit is strengthened.After obtaining kith and kin's agreement, serve as the underwriter of second by its five husband's aunt, platform is then just conferred the fund and the condition of clearing up the debt with second, platform is according to personal attribute's classification of gold stream transaction level and second, calculate and determine the borrowing balance and the interest rate of suitable second, owe 300,000 card debt as the second codeposition, the amount of money that can refund in every month is 10,000 yuan, after platform gold flowmeter calculation decision, second the most suitable participation be one 36 phase (first phase one month, totally three years), each issue gold stream transaction combinations of 10,000 yuan, that is the accrediting amount is 360,000, calculates the condition credit that rear platform can 10% annual rate through golden flowmeter, and this interest rate is converted into the condition of placing an order, directly participate in the transaction of gold stream to obtain gold stream transaction fund for the member, after above-mentioned condition was settled, then second and platform carried out approval authority of contract signature, and statement entrusts platform on behalf of carrying out the transaction of gold stream.
After all previous operations were all finished, platform just imported second in the above-mentioned gold stream transaction combination, and when the condition of annual rate 10%, promptly 1,391 yuan places an order in transaction with approximately.According to this platform gold stream transaction operating mechanism, the fund that second can obtain is for to obtain with following formula conversion:
The gold stream transaction of n phase obtains money
Formula 1:
An＝(U-In)×((N-n))+(U×(n-1))
Or
Formula 2:
Wherein
An: represent the obtainable total charge of n phase gold stream dealer
U: the representation unit amount of money
N: represent total issue
N: the issue of representing the transaction of current platform gold stream
In: represent the condition that places an order of n phase, its meaning is ready each phase interest of bearing for the member's (be commissioned by platform place an order at this) who effectively places an order and finish the transaction of platform gold stream.
If according to the rule of formula 1, platform is in the bid that places an order of downpayment gold stream terms of trade with 1,391 yuan, and obtains the gold stream fund of concluding the business, and then platform (also second) can get:
(10,000 yuan-1,391 yuan) * (36-1)+10,000 yuan * (1-1)=301,315 yuan
Therefore after gold stream transaction results is announced, platform is with 1,391 yuan condition obtains fund, obtain gold stream transaction fund 301,315 yuan, wherein just directly fund is remitted the issuing bank of second institute arrears to discharge its existing debt for 300,000 yuan by platform, debtor-creditor relationship just is passed on one's body platform and the second afterwards, and unnecessary 1,315 yuan then sent to second, last, (every month) pay can gold 10 on schedule to the gold of platform stream transaction combination by second, 000 yuan, finish up to 36 phases, easily repay all debts.
If go to calculate the existing debt of second up to 19.71% interest rate, 10,000 yuan the mode of refunding in every month,, needed for 42 phases with total refund issue of 300,000 yuan of capitals only with former bank; Can save the repayment issue of 6 phases (totally 36 phases) nearly fully and use this pattern to clear up the debt, shorten term of redemption but also alleviate interest burden.
Embodiment two
After 3 years, the middle school friend of second, third has just left the army, he of master graduation looks for a job to the north from southern, make great efforts to be recruited through one or two months, strive under the working opportunity, finally achieve one's goal to the large-scale trading company's working of a family, become social Freshman, though beginnig salary 40,005 is not high in today of high price inflation society, but have no third also good beginning at last of experience just to go into society, yet because just to the relation of northern work, the inhabitation of have to renting a house nearby, third in order to find a place for life as early as possible attentively devoting oneself to work, and therefore borrowed 250,000 yuan of dwellings and buy more basic household electrical appliances of household and daily necessities of simply decorateing in advance with cash card.
Though the third salary income of having got into the society stable, but start from nothing he savings is very difficult once not to be paid off the consumption fund of arrears because have, still owe about 200,000 yuan in card bank under scraping together, issuing bank forces third to bear irrational mode of repaying capital with interest with 19.71% superelevation circulation interest rate, even such burden is to deduction rent and living expense, also had third of 20,000 yuan of surplus in every month, still allow him breathless, even if refund wish own is strong, also be still unable to do what one wants very much to doly, have to become " card slave " gang.
Afterwards, through the second introduction, learn that certain bank manages the brand-new financial products " debt service System and method for " that Qiao Mei international network company is researched and developed, its mechanism can help the debtor taking under the stable situation, the amortization debt, particularly at the common people that have a mind to refund, can clear up arrears with rational interest rate by stages, need not bear great number circulation interest and force once and repay capital with interest, guarantee that regularly the mode of repayment of quota is not only stable, and directly also fall whole capitals of debt originally, can shorten the total issue of refund that existing debt is prolonged under at compound interest again, third also decision add debt service of the present invention system.
At first, third adds this platform by member's online application program, and after platform was by its application materials audit, third then imported some related datas, the spatial dimension that can bear as identity background, aggregate liability, every month loan repayment capacity, interest rate etc.Behind member's attribute via platform analysis third, judge that third needs about 200,000 yuan of platform credits to repay existing debt, before importing the transaction of gold stream with third, do not put aside again because third just goes into society, simple loans on credit, the platform risk is excessive, so platform requires third action that must have a credit to strengthen, can regain with the fund of guaranteeing to emit on schedule.Credit that platform provided strengthens that mode can be that kith and kin go bail for, real estate mortgage or movable property are pledged.
After several kinds of considerations, the purpose that credit is strengthened is reached in the action that third decision is pledged with flying apsaras four fairy maiden's woodcarvings execution movable property of market price 200,000.Platform is then just conferred the fund and the condition of clearing up the debt with third, platform is according to personal attribute's classification of gold stream transaction level and third, calculate and determine one the most suitable third borrowing balance and interest rate, owe 200,000 card debt as third codeposition, the amount of money that can refund in every month is 20,000 yuan, after platform gold flowmeter calculation decision, third the most suitable participation be one ten second phase (first phase one month, totally one year), each issue gold stream transaction combinations of 20,000 yuan, that is the accrediting amount is 240,000, calculates the condition credit that rear platform can 12% annual rate through golden flowmeter, and this interest rate is converted into the condition of placing an order, directly participate in the transaction of gold stream to obtain gold stream transaction fund for the member, after above-mentioned condition is settled, then third and platform carry out approval authority of contract signature, and statement entrusts platform to conclude the business on behalf of carrying out gold stream.
After all previous operations were all finished, platform just imported in the above-mentioned gold stream transaction combination third, and when the condition of annual rate 12%, promptly 1,150 yuan places an order in transaction with approximately.According to this platform gold stream transaction operating mechanism, third fund that can obtain is for to obtain with following formula conversion:
The gold stream transaction of n phase obtains money
Formula 1:
An＝(U-In)×((N-n))+(U×(n-1))
Or
Formula 2:
Wherein
An: represent the obtainable total charge of n phase gold stream dealer
U: the representation unit amount of money
N: represent total issue
N: the issue of representing the transaction of current platform gold stream
In: represent the condition that places an order of n phase, its meaning is ready each phase interest of bearing for the member's (be commissioned by platform place an order at this) who effectively places an order and finish the transaction of platform gold stream.
If according to the rule of formula 2, platform is in the bid that places an order of downpayment gold stream terms of trade with 1,150 yuan, and obtains the gold stream fund of concluding the business, and then platform (also third) can get:
(20,000 yuan) * (12-1)=220,000 yuan
Therefore after gold stream transaction results is announced, platform is with 1,150 yuan condition obtains fund, obtain gold stream transaction fund 220,000 yuan, wherein just directly fund is remitted the issuing bank of third arrears to discharge its existing debt for 200,000 yuan by platform, debtor-creditor relationship just is passed on one's body platform and third afterwards, then send third to for unnecessary 20,000 yuan, at last, (every month) pay can gold 11,150 yuan on schedule to the gold of platform stream transaction combination by third, finish up to ten second phases, easily break away from card slave identity and pay off all debts.
Claims (19)
1, a kind of debt service system comprises that one provides user's interface that the user logins in the network on-line mode, the database that a management server and that links this user's interface and database provides data access; It is characterized in that described management server is carried out the debt service operation by the computing of following each functional module:
One member applies for module, in order to the application materials of temporary user's input, and appraises and decides membership by this data;
One member's attributive classification module in order to the acquisition Member Information, is carried out attributive classification according to criteria for classification to the member;
One credit reinforced module strengthens amount and the required credit line of carrying gage and guarantor of levying in order to calculate the required credit of member;
One member imports gold stream transaction modules, in order to the member is imported funds transaction;
Module is completed a business transaction in one clearing, completes a business transaction step in order to carry out the platform capital settlement.
2, the system as claimed in claim 1 is characterized in that, the network on-line mode of described member subscription module can be finished by personal computer, personal digital assistant and mobile phone with line and wireless network linking function.
3, the system as claimed in claim 1 is characterized in that the criteria for classification of described member's attributive classification resume module comprises whether this member has debt service demand, credit standing, wages income, guarantor and gage providing capability data in the database.
4, the system as claimed in claim 1 is characterized in that, described credit reinforced module is according to guarantor and the gage data thereof of stored tool debt service demand member in the database, gives tool debt service demand member after as calculated to assure credit line.
5, the system as claimed in claim 1, it is characterized in that, described member imports gold stream transaction modules and handles the fund of member or its trustee Yu Jin stream transaction modules program of bidding, and this module is by placing an order standard gold level and compares with golden flowing water position standard, with obtaining of decision fund.
6, the system as claimed in claim 1, it is characterized in that, described clearing are completed a business transaction resume module platform gold stream and are transferred function, and its project implementation comprises the receipt and payment of gold stream transaction combination fund, must the mark fund repays existing debt and collect the member and regularly pay gold stream transaction fund.
7, a kind of debt service method, it provides has debt service demand member and captures funds, to quicken debt service and with more low-cost fund amortization of debt, the method includes the steps of:
One user's login step, described user logins the debt service system by user's interface in the mode of network on-line;
One member's procedure to apply, described user imports application materials, and system appraises and decides membership by this data;
One member's attributive classification step, the acquisition Member Information carries out attributive classification according to criteria for classification to the member;
One credit is strengthened step, calculates the required credit of member and strengthens amount and the required credit line of carrying gage and guarantor of levying;
One approval authority of contract signature step;
One member imports gold stream transaction step, and the member is imported funds transaction;
Step is completed a business transaction in one clearing, carries out the platform capital settlement and completes a business transaction.
8, method as claimed in claim 7, it is characterized in that, in described member's attributive classification step, whether criteria for classification comprises the member has debt service demand, the debt service demand amount of money, member's credit term, member's income, gage or guarantor situation is provided.
9, method as claimed in claim 7 is characterized in that, described member imports in the gold stream transaction step, and whether the obtaining just to be bidded mutually by the whole fund water level of standard gold that the person of placing an order goes out and platform of the person's of placing an order fund is obtained with the decision fund.
10, method as claimed in claim 7 is characterized in that, described clearing are completed a business transaction step and further comprised following steps:
One appropriates member's fund step;
One member captures funds and repays existing debt step;
One member regularly pays gold stream transaction fund step;
One platform is collected member the exceed the time limit penalty paid in and the step of interest on overdue account.
11, method as claimed in claim 7 is characterized in that, described member imports gold stream transaction step and further may further comprise the steps:
One platform input gold stream terms of trade step;
One confirms input gold stream terms of trade step;
One checks input gold stream transaction data step;
One finishes down single stage;
One announces gold stream transaction results step;
One captures funds to repay existing debt step;
One regularly pays gold stream transaction fund step.
12, method as claimed in claim 11 is characterized in that, described checking in the input gold stream transaction data step is if then continue the program of placing an order by checking, if not by then re-entering gold stream terms of trade.
13, method as claimed in claim 11 is characterized in that, the Object of Transaction that places an order of described down single stage comprise by different maturity periods, different billing cycle, should pay the formed a plurality of gold stream transaction combinations of the amount of money different each issue.
14, method as claimed in claim 11 is characterized in that, the described publish information of gold stream transaction results step of announcing can comprise its person's of placing an order essential information, gold stream transaction combination variety, conclusion of the business standard gold and bid standard gold record.
15, method as claimed in claim 11 is characterized in that, described regularly paying in the gold stream transaction fund step, and described have debt service demand member and must fixedly pay the competitive bidding upper limit amount of money to system in marking each phase of back.
16, method as claimed in claim 11 is characterized in that, described single stage down, and the person of placing an order can be undertaken by member itself or the financial institution that entrusts the system of being responsible for to manage.
17, method as claimed in claim 16 is characterized in that, if the described person of placing an order is responsible for the financial institution that system manages, is clientage between itself and tool debt service demand member, and the subject of civil right or duty of fund receipt and payment still is tool debt service demand member.
18, method as claimed in claim 11 is characterized in that, described capturing funds has in the existing debt step after payment of debts demand member or its trustee finish funds transaction and capture funds to repay, with its existing debt of senior refunding.
19, method as claimed in claim 18 is characterized in that, described existing debt, its obligee can be financial institution that the system that is responsible for manages or with financial institution, enterprise or the individual of system cooperating.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101479920A CN101377844A (en) | 2007-08-30 | 2007-08-30 | System and method for discharge of debt |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101479920A CN101377844A (en) | 2007-08-30 | 2007-08-30 | System and method for discharge of debt |
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| Publication Number | Publication Date |
|---|---|
| CN101377844A true CN101377844A (en) | 2009-03-04 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007101479920A Pending CN101377844A (en) | 2007-08-30 | 2007-08-30 | System and method for discharge of debt |
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| Country | Link |
|---|---|
| CN (1) | CN101377844A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
| CN104718554A (en) * | 2012-08-10 | 2015-06-17 | 伽博瑞儿·莎恩 | System for unsecured funding to credit card member store via purchase of undetermined future credit obligation |
| CN108140187A (en) * | 2015-07-14 | 2018-06-08 | 万事达卡国际股份有限公司 | For the analysis rule engine of payment processing system |
| CN108780550A (en) * | 2016-03-18 | 2018-11-09 | 万事达卡国际公司 | The method and system of solution and monthly payment plan simulation is paid by instalments in transaction in advance |
| TWI672656B (en) * | 2017-03-01 | 2019-09-21 | 台新國際商業銀行股份有限公司 | System for determining amount of loan and method thereof |
| CN110457542A (en) * | 2019-07-05 | 2019-11-15 | 深圳壹账通智能科技有限公司 | Method for processing business, device, equipment and storage medium based on big data technology |
| WO2020077837A1 (en) * | 2018-10-16 | 2020-04-23 | 深圳壹账通智能科技有限公司 | Service data accounting method, apparatus and device, and computer-readable storage medium |
| CN113506165A (en) * | 2021-07-13 | 2021-10-15 | 浙江商业职业技术学院(杭州商业技工学校) | Debt clearing system and debt management method |
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2007
- 2007-08-30 CN CNA2007101479920A patent/CN101377844A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
| CN104718554A (en) * | 2012-08-10 | 2015-06-17 | 伽博瑞儿·莎恩 | System for unsecured funding to credit card member store via purchase of undetermined future credit obligation |
| CN108140187A (en) * | 2015-07-14 | 2018-06-08 | 万事达卡国际股份有限公司 | For the analysis rule engine of payment processing system |
| CN108780550A (en) * | 2016-03-18 | 2018-11-09 | 万事达卡国际公司 | The method and system of solution and monthly payment plan simulation is paid by instalments in transaction in advance |
| CN108780550B (en) * | 2016-03-18 | 2022-04-05 | 万事达卡国际公司 | Advanced transaction installment payment solution and installment simulation method and system |
| TWI672656B (en) * | 2017-03-01 | 2019-09-21 | 台新國際商業銀行股份有限公司 | System for determining amount of loan and method thereof |
| WO2020077837A1 (en) * | 2018-10-16 | 2020-04-23 | 深圳壹账通智能科技有限公司 | Service data accounting method, apparatus and device, and computer-readable storage medium |
| CN110457542A (en) * | 2019-07-05 | 2019-11-15 | 深圳壹账通智能科技有限公司 | Method for processing business, device, equipment and storage medium based on big data technology |
| CN113506165A (en) * | 2021-07-13 | 2021-10-15 | 浙江商业职业技术学院(杭州商业技工学校) | Debt clearing system and debt management method |
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