CN101901460A - Method and system for loan portfolio management and automatic loan repayment - Google Patents
Method and system for loan portfolio management and automatic loan repayment Download PDFInfo
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Abstract
A method and system for a financial institution lender to manage a loan portfolio and perform automated loan repayment thereon. And when the relationship between each seller card transaction activity processed by the bank lender card processing facility and the loan repayment capability of the seller to the bank lender is obtained according to the risk analysis of the seller borrower card transaction, the loan is automatically repayed. Information is collected from the card transaction system within the bank lender and used for risk analysis of the seller's ability to repay loans. If it is determined from the analysis that the risk is higher or greater than the expected risk, then all or a portion of the settled payment is used to reduce the debt of the merchant borrower to the bank lender.
Description
Technical field
The present invention relates generally to loan portfolio management and on automated loan payment, more specifically, relate to the credit side of financial institution based on blocking the relation that each dealer's card transaction that treatment facility handles and this businessman loan repay ability to this credit side draws from the credit side, managerial marketing merchant loan portfolio is also carried out the method and system of automated loan payment.
Background technology
Financial sector has developed into the business activity that promotes between client, dealer and financial institution.The traditional financial system is set up by the financial institution such as credit side bank, is used for repaying the loan for selling the merchant borrower.Credit side bank collects reward or interest rate according to loan principal amount (principalamount) usually, and the loan principal amount depends on Several Factors.Be reflected in a risk that principal element is loan defaults in the dealer loan cost, another factor in the loan cost of being reflected in is that the credit side requires the repayment process that guarantees that the borrower of dealer repays the loan on schedule.
For credit side bank, the penalty cost of any loan all is a principal element that is reflected in total borrowing cost of loan.Any improvement of the venture analysis in the loan repayment process of alarm of credit side bank or the potential promise breaking of early warning particular Seller borrower can reduce or help restriction credit side risk of bank.Along with credit side's risk of bank reduces, the rate of profit of bank can be optimized and/or income (savings) is transferable to the borrower of dealer.
Existing loan repayment system is suitable for single loan administration and the compiling of loan repayment of pattern of lending one by one usually, and this normally carries out in fixing mode monthly.There is contribution this aspect of existing loan repayment system to credit side's risk amount (risk exposure) and total cost of borrowing, because because repayment is subjected to the borrower's of dealer the management and the influence of the ability that instant encashment credit is repaid, the borrower's of dealer repayment breaks away from the control of credit side bank fully.Because loan repayment is subjected to relative influence of long time limit between twice repayment in existing loan management and repayment system, so credit side bank knows that the borrower of dealer meets the ability of loan repayment any time actual unlikely the repayment in the progress process before receiving payment.Whole should be in the stage, bank is subjected to big relatively promise breaking or delay in payment risk.Because bank has the combination of this class loan that this class Loan Agreement with hundreds and thousands of scales of the borrower of dealer produces usually, so the risk assessment complexity.Along with the increase of loan portfolio scale, the system risk of credit side bank is in fact along with the difficulty and the complicacy of the risk assessment of loan portfolio increase and increase.The complicacy that increases is reflected in credit side bank cost and the charge to this class dealer Loan Agreement.
Along with the quantity and the scale increase of loan portfolio, operation, repayment and the risk management of carrying out every loan in the loan portfolio become more difficult and complicated.Therefore, need to improve or alleviate at least the risk that the credit side is associated with operation, repayment and the management of loan portfolio and/or the system and method for risk amount.
Summary of the invention
One aspect of the present invention provides managerial marketing merchant borrower repays method from outstanding obligation to the credit side.This method is included in dealer's card transaction processing module and receives and the storage card transaction data, and the card transaction data is represented consumer's card payment transactions of purchase volume between consumer and the borrower of dealer; Receive the clearing payments (settlement payment) that the consumer blocks the purchase volume of concluding the business in the payment processes module; At the venture analysis module analysis transaction data related and judge whether transaction data satisfies predetermined condition with the borrower of dealer; And whether satisfy predetermined condition for payment processes module generation instruction with basis and distribute payment and settlement, if satisfy predetermined condition, then near small part clearing payment is used for credit entry to reduce the borrower's of dealer outstanding obligation, pays the account that is used for the borrower of dealer otherwise will settle accounts.
One aspect of the present invention provides managerial marketing merchant borrower repays system from outstanding obligation to the credit side, this system comprises: dealer's card transaction processing module, be used for receiving and the storage card transaction data, the card transaction data is represented consumer's card payment transactions of purchase volume between consumer and the borrower of dealer; The payment processes module is used to receive the clearing payment that the consumer blocks the purchase volume of concluding the business; The venture analysis module, be used to analyze the transaction data related with the borrower of dealer, and judge whether transaction data satisfies predetermined condition, and whether satisfy predetermined condition for payment processes module generation instruction with basis and distribute payment and settlement, if satisfy predetermined condition, then near small part clearing payment is used for credit entry to reduce the borrower's of dealer outstanding obligation, pays the account that is used for the borrower of dealer otherwise will settle accounts.
In an embodiment, method and system of the present invention is managed the outstanding obligation of a plurality of borrowers of dealer to described credit side, and each borrower of dealer transmission card transaction data is given described credit side.
In one embodiment, predetermined condition is determined by agreement between borrower of dealer and the credit side.Instruction is the described clearing payment of certain percentage will be used for described credit entry.Predetermined condition also can be to represent to sell in the predetermined period financial activities of negotiating to borrow the money people when this transaction data, should be with respect to borrower self of dealer or analogous dealer, and financial activities are less than the financial activities of last predetermined period.This predetermined period can be one day, a week, one month etc.
In one embodiment, thus the inventive method and system can have the user to supervise indication all or part described clearing and pays described credit entry and reduce not paying money of described retailer borrower.Instruction is if satisfy described predetermined condition, then all described clearing payments is used for described credit entry.Instruction is to use described clearing payment according to retailer's transaction every day of protocol section.Some or all described clearing payments are used for described credit entry.Instruction is according to the unsteady charge to described clearing payment described clearing payment to be used for described credit entry.Retailer's disposal system and/or payment processing system are by the long-range third party's entity that is set to.This system may further include the database that is used for store transactional data.Predetermined condition can be an external factor.
One aspect of the present invention is the venture analysis subsystem, it is used in management retailer borrower and repays in the system to credit side's outstanding obligation, this system has: the retailer blocks the transaction processing module, be used for receiving and the storage card transaction data, transaction data is represented consumer's card payment transactions of amount of purchase between consumer and the retailer borrower; With the payment processes module, be used to receive the clearing payment that the consumer blocks the amount of purchase of concluding the business; Wherein the venture analysis subsystem comprises: the transaction data analyzer module is used to analyze the transaction data related with retailer borrower, and judges whether transaction data satisfies predetermined condition; And instruction generation module, be used to the payment processes module to generate instruction, whether satisfy predetermined condition with basis and distribute payment and settlement, if satisfy predetermined condition, then near small part clearing payment is used for credit entry to reduce retailer borrower's outstanding obligation, pays the account that is used for retailer borrower otherwise will settle accounts.
Description of drawings
For fully and understand the embodiment of the invention more thoroughly by non-limitative example, following description taken in conjunction accompanying drawing, the similar or elements corresponding of wherein similar identification number indication, zone and part, wherein:
Fig. 1 illustrates system schematic, and it illustrates the payment transaction of the financial settlement from the purchasing contract to the payment transaction, wherein can carry out the embodiment of the invention;
Fig. 2 illustrates the synoptic diagram of system among Fig. 1, and wherein the financial settlement action is more detailed;
Fig. 3 illustrates the synoptic diagram of system among Fig. 2, wherein loan administration system mobilisation advances agreement;
Fig. 4 illustrates the synoptic diagram of system among Fig. 3, and it illustrates in greater detail the interaction of loan administration system by the embodiment of the invention;
Fig. 5 illustrates the block scheme of loan administration system among Fig. 4, and it illustrates in greater detail the input and output of system by the embodiment of the invention; And
Fig. 6 is the process flow diagram according to embodiment of the invention method.
Embodiment
As mentioned, developed the traditional financial system, thus the business activity between the person of boosting consumption, dealer and financial institution.Traditional financial sector is set up by bank, is used for repaying the loan for the commercial borrowing people.Other financial sector also realizes, is used for the card payment transactions between client and the dealer.Usually this two type of financial system is all provided for each dealer by same financial institution or credit side bank.Yet, traditionally, be used for providing a loan and developed into two independent, distinct commercial of financial institution, for example department (divisions or departments) with these two systems of card payment transactions.For tangible efficient, needn't design intentionally, these two kinds inter-agency differences of separating that provided by financial institution form in big many parts.
Embodiments of the invention are by integrated two departments and system, improve or alleviate the problem that is associated with management, repayment and loan portfolio risk management at least.Especially, embodiment of the invention integration is about the information of dealer, and this information is from blocking that transaction commercial unit and loan repayment management commercial unit collects and can be used for financial institution, the ability so that analysis dealer repays the loan.The principal element that is reflected in the debtor's of dealer the cost of borrowing of loan is the risk of loan defaults, this risk can reduce in several ways, as paying at interval by increasing payment frequency or shortening, for example from monthly changing into per diem, realize repaying by the other assets from bank's property of the borrower of dealer/currency, and the tolerance that continues the ability of repaying the loan by the sale of monitoring dealer more accurately as dealer.Therefore, this feature allows more effective risk management analysis to make bank return, and this can be reflected in profit and/or competitive price or interest rate that the reduction bank along with the debtor of dealer cost of borrowing increases.In addition, because card payment transactions is normally handled in several days the time limit at the several hrs that muchs shorter than the fixing time limit monthly of typical loan repayment, therefore visit can reduce credit side's risk of bank about the more instant information of card transaction, and this card transaction can indicate the borrower of dealer to meet loan repay ability.And because credit side bank relates to settlement process, and actual reception is because the clearing of the card transaction that dealer causes are paid, and credit side's risk of bank reduces in this relation, and this is because bank can be used for loan repayment with the clearing total payment.
Because in the property of repaying bank on the plus side of the account automatic day of borrower dealer card transaction income (proceeds), credit side bank is reduced about the risk amount and the risk of outstanding loan.For example, if the card transaction of borrower dealer surpasses the borrower of dealer normal activity, then credit side bank can not take to move and be that the clearing repayment that will directly be transferred to the card transaction of dealer's account sends instruction.For example; if the card transaction of borrower dealer is lower than the borrower of dealer normal activity; then credit side bank can take to move and be that all or part clearing repayment transmission that will be transferred to the card transaction of loan account is instructed, thereby offsets loan or repayment amount (repayment amount).In this mode, the embodiment of the invention reduces credit side's risk of bank and risk amount.
In the following description, for the purpose of explaining, a large amount of specific detail have been stated so that the thorough understanding to the present invention is provided.Yet for a person skilled in the art, obviously the present invention can implement or implement with equivalent structure without these specific detail.In some cases, known construction and device illustrates with the block scheme form, and this is for fear of unnecessarily making the present invention fuzzy.
Embodiments of the invention can be used usually, and wherein credit side bank provides or promotion merchant's two class service or facilities.Credit side bank carries out business activity and provides the card transactional services through blocking the payment of accepting client of concluding the business for dealer, wherein bank bought dealer's credit card trade with second day to certain discount of the face amount of the clearing of dealer usually effectively, and bank is subsequently by the payment of available network collection about these credit card trades.Credit side bank also is the borrower of the dealer service of offering a loan, and it is obligated by the specific amount of specific period (as monthly) payment that wherein bank collects loan interest and dealer.System and method according to the embodiment of the invention provides instrument for credit side bank, with the fund that has in Confirm Bank's settlement accounts, dealer's transactional cards in the department of this settlement accounts and bank or the part of bank is managed business and is associated, and considers these dealer's funds before providing these funds to dealer under there is the prerequisite of liability on loans in dealer.
Especially, this system and method can be used the information evaluation credit side risk of bank of handle collecting from transactional cards, thereby determines whether not have, some or all of transactional cards clearing incomes are applied to the borrower of dealer loan repayment account but not dealer's account.In this mode, analysis each loan relatively is applied to whole loan portfolio, and wherein credit side bank also handles the card transaction of borrower dealer.In this mode, credit side's risk of bank is lowered and minimizes, because the activity of the card of borrower dealer transaction is a borrower dealer repay the loan ability and owe the early stage indication of the payment obligation of credit side bank.Be used to the risk of the loan portfolio of another department of management bank or part from the information of bank transaction card processing branch.Because that these two branches of financial institution or bank normally separate and differ from one another, so the early stage trial of restriction credit side bank risk realizes that the inventive method and system embodiment are by integrating the result that the method shared realizes.By the embodiment of the invention, bank can effectively expand and manage loan portfolio, comprise specific collecting automatically from the loan repayment of credit card settlement of transactions income with about loan or repay the risk management of borrowing dealer's unpaid balance (borrowmerchants ' unpaid balance) of payment debt.
About the data aggregation of dealer's card transaction or financial activities, take in as current entry or financial transaction, in specific period for dealer's ability of repaying the loan provides good barometer.Relatively on the predetermined amount of time or dealer's financial transaction of particular day movable and previous financial activities of dealer and history, or with bank loan combination in the historical or current methods of conducting trade of similar dealer relatively the time, bank can more effective and accurately be identified in the inconvenient account in loan repayment aspect.Advantageously, thus the embodiment of the invention provides the clearing income of potential card transaction record to allow bank to guarantee some or all outstanding obligation with efficient system by the unsteady charge to dealer's transaction income in the bank account.
In card payment transactions, but client or holder's Payment Card debit card, credit card, smart card, debit card (charge card) etc.Card transaction is automatically in itself concerning holder and dealer, because the details of Payment Card and dealer is transferred to financial institution and banking network automatically so that checking and debit card are concluded the business.
Fig. 1 shows the synoptic diagram of system 10, and it illustrates the payment transaction of the financial settlement from the purchasing contract to the payment transaction, wherein can implement the embodiment of the invention.System 10 comprises holder 12 and the dealer 16 with Payment Card 14.In case the purchase with the card payment is agreed by holder and dealer, then dealer arrives the dealer's card processing system 30 of bank or the module 20 of financial institution or bank with transmission of transaction data 42.
Transaction data can comprise, for example trading volume, transaction currency, dealer's account number are (promptly, " ID of dealer " or " MID "), the DBA of dealer (promptly, the name of commencing business) or Business Name (they may be different with the name of judicial person of dealer), holder's account number, date, dealer's title, authorize approval number (authorization approval number), search index number, Card Type (promptly, Visa, Mastercard, American Express, etc.), transaction currency, purchase explanation or the like.Should be appreciated that transaction data can differently with concrete transaction also can comprise top unlisted extraneous information.
Dealer of bank disposal system is handled authorization requests to finish sale and to be this transaction starting financial settlement subsequently.Dealer's card processing system 30 of bank is given network 22 with transmission of transaction data 44, thereby so that checking finish and sell and start subsequently financial settlement for this transaction.Network 22 is given issuing bank 24 with this transmission of transaction data 46.Issuing bank 24 authorizes 48 dealer to finish transaction so that finish sale.Some point (usually before closing or change shifts in daily shop) after the transaction of the professional point of sale of dealer (POS), dealer sends the financial settlement request of authorized transactions (this request can be the form of batch processing), comprises all sales transactions of authorizing in this time period.The request of financial settlement further is transferred to network 22 by the payment processing system 34 of bank or module, and this network 22 obtains financial settlement 48 from issuing bank 24, the settlement accounts 32 of this financial settlement from network transitions 50 to bank's appointment.
About the transaction data in the settlement bargain in batch, transaction data for example can be, amounts to and/or press middle total number, total amount of transactions transaction currency and dealer's account number of concluding the business of this batch of Card Type or the like.Basically, batch transaction data is gathering of all single transaction of taking place before batch closing, therefore the transaction data of each that needn't repeat to constitute same level of concluding the business.
Network 22 comprises as VISA, Mastercard, the legacy network that American Express or the like is such.Network 22 is to promote the clearing of payment card transaction between financial institution and the system of mandate.
The payment processing system 34 that is appreciated that dealer's card processing system 30 of bank as shown in phantom in Figure 1 and/or bank can be in as directed same financial institution or bank 20, or bank's 20 long-range settings relatively.For example, but the payment processing system 34 of dealer's card processing system 30 of 20 outsourcing banks of bank and/or bank is given independent community or third party's processor.
Though bank extended arrangement arrives borrower dealer, credit side bank can settle accounts (lump settlement) 50 to bank settlement account 32 from network 22 reception backstage clearing (post-settlement) or integral body, and the partial balance account naturally will be paid the 52 dealer's settlement accounts 66 to borrower dealer 16 usually.In this mode, by integrating two different business unit of bank, i.e. card transaction and availability of bank (loan capability), use the income of card transaction data to promote to repay and provide the venture analysis of enhancing with regard to potential loan, bank can distribute from maybe will taking in from the clearing that dealer receives that dealer receives in more effective mode.
Settlement process takes place in 24 hours time period or in several days usually.54 statements of account (statement) 26 are presented by issuing bank 24 periodically (usually monthly), and it is sent 55 to holder 12.After receiving such bill, the holder pays 56 issuing banks, and payment period finishes.
Fig. 2 shows than financial settlement shown in Fig. 1 and moves the synoptic diagram of more detailed system 60.Especially, dealer's card processing system 30 of bank is with the payment processing system 34 of payment instruction transmission 62 to bank.Payment instruction can comprise payment information file (PIF), its have such as for example as dealer's account number, dealer's title, the bank account # of dealer, count the transaction data of the total amount or the like of dealer's account.PIF also can comprise from wherein extracting the account No. of fund, and the possible descriptor information (descriptorinformation) of explaining the payment basis.Such descriptor can comprise the description summary of for example card transaction or batch card transaction (batchcard transactions), and/or any deduction of note or reduce the expense of deposit from original transaction face amount (face amount), as dealer's rate of discount (MDR) etc.The transaction data that should be appreciated that PIF can change because of particular transaction, and can comprise the extraneous information of not listing.
Thereby the payment processing system of bank 34 extracts the financial settlement 52 of 64 starting dealer accounts 66 from the settlement accounts 32 of bank.Based on practical reason, dealer's bank account usually (but needn't) in same mechanism, in this case, financial settlement is to transfer accounts in the bank between bank settlement account and dealer's account.If dealer's bank account is not in same financial institution, then financial settlement is the bank transfer between bank settlement account and dealer's account.
Fig. 3 illustrates starting bank 20 and the system 70 of 16 Loan Agreements of dealer and the card transaction system of Fig. 1 and Fig. 2.System comprises loan administration system 102 and further details is shown, and comes the financial settlement of automatic network to enter the account of listing especially that is used for payment transaction bank of dealer of bank.Especially, the settlement accounts 32 of bank comprises that loan account (promptly, account under bank's control, setting up these accounts is in order to promote the bank loan business unit) 74 and the card account (promptly, account under bank's control, setting up these accounts is in order to promote dealer of bank card transaction processing business unit) 72.Bank loan account same account also can not be same account, and the credit card financial settlement is reported 72 and given the account.In this embodiment, account belong to bank all.
Bank's expenditure 80 lends borrower dealer 16.Dealer 16 makes to bank 20 in the time (usually monthly) of agreement with check or electronics mode and repays 82.Bank 20 obtains to repay by the inner account 74 of the bank that is exclusively used in this purpose.Loan administration system 102 records of bank are with respect to the payment of outstanding loan remaining sum, and the deposit of transmission or record income 84 is in bank loan account 74.
Fig. 4 shows the system 100 among Fig. 3, and it illustrates interaction between loan administration system 102 and dealer of bank card processing system 30, bank paying disposal system 34, the settlement accounts 32 according to the embodiment of the invention in more detail.Fig. 1-3 shows the configurable environment of the embodiment of the invention, and Fig. 4 shows the interaction according to the loan administration system 102 of the embodiment of the invention.Configuration loan administration system 102 makes dealer's card processing system 30 of bank and loan administration system 102 generate payment information files (PIF), and dealer's card processing system 30 of bank communicates by letter 120 and the card transaction data is provided with loan administration system 102.Before starting clearing, dealer's card processing system 30 of bank can with the mode of every transaction or with comprise many with the mode of every day conclude the business batch etc. will block transmission of transaction data 120 and arrive loan administration system 102.PIF can indicate module payment 124 all payment and settlements of the payment processing system 34 of 62,122 banks to give dealer's savings account 66, or according to the decision of venture analysis module 144 indication, as shown in Figure 5, do not have, some or all payment and settlement must pay 64,84 to the borrower of dealer loan account 74 so that repay outstanding loan.
With reference to figure 5, square frame Figure 130 of the loan administration system 102 of Fig. 4 illustrates in greater detail the input and output according to the system of the embodiment of the invention.Loan administration system 102 comprises processing module 104, storer 106, I/O (I/O) interface 108 and database 110.Database 110 comprises repayment amount 140, payment instruction file 142, venture analysis module 144 of for example dealer's account file 132, loan account file 134, transactions history 136, loan balance 138, pro data or the like.Should be appreciated that repayment amount 140 can be calculated, and payment instruction file (PIF) can generate according to venture analysis module or subsystem 144 at other times by processing module 104, for example module takes place in transaction data analyzer and instruction, and is not limited only to pro data.
Dealer's account file 132 can comprise such as dealer's account number with according to the data of total value of approving the right to use of foreign exchange (batch summary value) of Card Type or the like.Dealer's account number can be provided by bank 20, and the total value of approving the right to use of foreign exchange may be defined as the total amount (for example, dollar number) of being submitted to the All Activity of credit side bank confession clearing at special time period (for example every day) by borrower dealer.
The calculating of day repayment amount 140 is that the processing module 104 by system generates with the form that the payment processing system 34 of bank needs for payment instruction file (PIF) 142.Payment instruction file 142 generates and is transmitted 122 payment processing systems 34 to bank by processing module 104, this document contain bank from the card settlement accounts extract 64 instruction and for the suitable account credit of bank so that the instruction of the repayment of loan income 71, and the instruction of left fund (remainder) account 66 of the dealer oneself of card day of trade remaining sum is given in credit 124.For example, left fund can reflect amount and the other fees less than MDR.Should be appreciated that 142 transmission 122 of payment instruction file can take place afterwards or simultaneously to the payment processing system 34 of bank before financial settlement is transferred to the appointment settlement accounts 72 of bank from network 22.
Be to be understood that, as noted, in this embodiment and other embodiment, the dealer's card processing system 30 of dealer's settlement accounts 66, bank and/or the payment processing system 34 of bank can shown in same financial institution or bank in, or bank's 20 long-range settings relatively.For example, but the payment processing system 34 of dealer's card processing system 30 of 20 outsourcing banks of bank and/or bank is given the 3rd entity.
In another configuration (not shown among Fig. 5), at first pass through loan administration system 102 from the card transaction data of dealer 16, so that after collecting related data, be transferred to the card processing system 30 of bank forward.
Additional features can with the form of the risk management of relative loan repayment possibility from every day the card transaction data obtain.By comparing the historical record of dealer's credit card trade every day activity and the card every day transaction of same dealer, and/or dealer's card every day transaction of similar situation, the loan administration system can provide the early warning of potential challenges on dealer's loan repayment capacity, makes bank or user can take correct action.These predetermined condition or threshold value are the factors of considering in the percentage of payment to the clearing payment of loan repayment that changes dealer's account.Other factors that can consider can be seasonality, holiday, week or the like.Should be appreciated that for different business some date has key character, as having the higher sales volume than other dates.Dealer can be that the dealer of similar situation compares or contrast consideration with similar dealer, similar dealer has similar common trait, such as similar dealer's classification sign indicating number (MCC), dealer business field, target customers basis, professional physical region/geographic position, all sales volume and/or transaction number, Customer Complaint, transaction rejections i.e. " reimbursement " etc.And, can there be some condition to be used for triggering that increase will be repaid to loan account 74 but not the percentage of the clearing of dealer's account 66 payment.Such triggering can comprise wrong (falsehood) or the like on for example any violation of being discovered to loan clause and condition, the intended use of the loan.In addition, external factor also can be thought of as the factor of venture analysis.Such external factor comprises, for example sales volume of dealer's business or expection sales volume, bankruptcy petition, other obligee's claim notices or the like.Other obligees' claim notice is relevant especially with the charge of floating.
With reference to figure 4 and Fig. 5, loan administration system 102 with dealer block the day of trade remaining sum and system in the loan details associate, and calculate the amount of card transaction daily balance of the dealer of the remaining sum that should be used to repay the loan, as according to loan origination the time and dealer's agreement.In an embodiment, loan administration system 102 starting 122 payment instructions 142 with dealer's daily balance of transfer protocol part in the special-purpose settlement accounts of bank, or with the account of loan administration system relationship in.
When the borrower of foundation dealer blocks the venture analysis of transaction, draw each dealer's card transaction that the credit side's of bank card treatment facility handles and dealer when the credit side of bank repays the loan concerning between ability, just carry out loan repayment automatically.Information is that the card transaction business unit in the credit side of bank is collected and is used for loan repayment management service unit in the credit side of bank, is used for the repay the loan venture analysis of ability of dealer.If determine that according to analyzing risk compares predicted high or big, then all or part clearing payment is used to reduce the debt of the borrower of dealer to the credit side of bank.
In the another kind configuration, dealer's card processing system 30 of bank suppresses (suppresses) its typical payment information file, and two payment information files 142 of loan administration system 102 startings: first file shifts the 64 debit card accounts 72 to bank's appointment with dealer's daily balance of protocol section; Second file is dealer's financial settlement that the left fund of daily balance starts 124 dealer's settlement accounts 66 of can concluding the business.
The additional features of the embodiment of the invention is to allow user/credit side control (override) above-mentioned intended procedure, so some or all dealer's financial settlements can be suppressed, so that provide security for the not payment of balance that provides a loan.When using " charge of floating ", this process allows to set up a pool of assets (a pool of assets), when (crystallize) specialized in this class charge, here the toll collection applications of floating is in loan, when thereby the fixing loan on guarantee of charge was repaid, this loan value changes up to charge exchanged (charge conversion) or specializes (crystallization).By this feature, when dealer or the business of providing a loan extended by bank, this business comprises the unsteady charge to the loan settlement income of payment card transaction, this payment card transaction is passing through bank's other system, the loan administration system can indicate bank to preserve the All Activity income, otherwise this income will be paid dealer.When dealer continue to send the payment card transaction data for bank settlement, bank can pass through this data accumulation dealer money, and bank not only physics has but also has a unsteady real right of pledge (floating security interest).In this mode, the management of dealer's loan cooperates with day (or other predetermined amount of time) clearing of dealer's Payment Card income.Bank paying disposal system 34 is extracted the financial settlement of 64 dealer from bank settlement account 72, and the income 74 of will providing a loan is charged to 126 suitable accounts.
In system and method, for the purpose of the explanation of clear and the easy to understand embodiment of the invention, a dealer 16 only is shown among Fig. 1-5 according to embodiment of the invention explanation.Be appreciated that the embodiment of the invention can be the credit side's configuration with loan portfolio, this credit side and a plurality of borrower of dealer have financial relations.The borrower of dealer can have one or more liability on loans with credit side bank.The embodiment of the invention can be the automatic repayment tissue of each loan in the loan portfolio.The advantage of the embodiment of the invention can realize in loan portfolio management, thereby wherein have a plurality of borrowers of dealer and Loan Agreement to reduce or eliminate risk and risk amount that credit side bank is subjected to loan portfolio.Be appreciated that in embodiments of the present invention multiple or a plurality of loan accounts 74 also can be arranged, card account 72 and dealer's settlement accounts 66.
Fig. 6 is the process flow diagram according to the method 200 of the embodiment of the invention.This method is used to manage the outstanding obligation that borrower dealer repays the credit side, comprises obtaining the transaction data that client pays with card in the transaction between 202 expression clients and borrower dealer.Client's transaction data is transmitted 204 to dealer's card transaction processing system, and is received 206 in the payment system or the module of payment processes, is received at payment processing system together with the clearing payment.Transaction data stores 208 in memory storage, and can check 210 data related with the borrower in transaction data again.Not directly to use the clearing payment to dealer's account, but when satisfying some predetermined condition or threshold value, consider the transaction data related stored with borrower dealer, thus payment processing system be instructed to 212 use all or at least the partial balance payment reduce the outstanding obligation of borrower dealer to the credit side.
Can be with reference to the illustrative methods of figure 1-6 explanation through communication, and can comprise any suitable servers, workstation, personal computer (PC), notebook has the handheld device of visual displays and/or monitor, phone, mobile phone, wireless device, PDA, the Internet appliance, set-top box, modulator-demodular unit, other equipment or the like, it can carry out the process of disclosed exemplary embodiment.For example, equipment and subsystem can communicate with one another with any suitable agreement, and execution such as available general-purpose computing system.Can adopt one or more interface mechanism, for example, comprise that the Internet inserts, the telecommunications of any suitable form, as voice, modulator-demodular unit etc., radio communication media etc.Therefore, network can comprise, cordless communication network for example, and mobile communications network, PSTN (PSTN), packet data network (PDN), the Internet, Intranet, hybrid communication network, and combination, or the like.
Be appreciated that transaction data can obtain by device known in the art, (POS) realizes equipment, equipment and the machine that card is concluded the business in the point of sale for example to make client and dealer.For example, such device can be electronics/magnetic card reader device of swiping the card, the non-contact type card reader, contactless near-field communication card reader, the contactless rfid card reader, cashier's machine etc., thereby receive the card have magnetic stripe etc. and read identification client's account number and details and payment amount and other transaction data related with card, and with the bank dealer card processing system 30 of data transmission to credit side bank 20, dealer of bank card processing system 30 correspondingly is equipped with the device that receives transaction data and transmit transaction data.Agreements such as certainly, dealer can manually import this information, or is receiving client through phone, the Internet are after phone manually directly transmits this information to bank.Transmission can be an electric transmission.
Be appreciated that with reference to the described embodiment of figure 1-6 that for illustrative purpose the many variations that are used for carrying out the specific hardware of disclosed exemplary embodiment are possible.For example, the function of equipment and subsystem can be carried out through the computer system or the equipment of one or more sequencing among the embodiment.In order to carry out such variation and other variations, the single computer systems programmable is carried out the one or more equipment of example system and the function of subsystem.On the other hand, the arbitrary equipment and the subsystem of the replaceable example system of two or more programmed computer system or equipments.Therefore, the principle and advantage of distributed treatment as redundancy, repeats to wait and also can carry out on demand, thereby increases robustness and performance with reference to the described example system of figure 1-6.
Can be used to store information with reference to the described example system of figure 1-6 about various process described here.This information can be stored in one or more storeies of equipment and subsystem in an embodiment, as hard disk, and CD, magneto-optic disk, RAM etc.One or more databases of equipment and subsystem can be stored the information that is used for carrying out exemplary embodiment.Database data available structure, as be included in one or more storeies, as the record in the top listed storer, form, array, field, chart, tree derivation, tissues such as tabulation.
With reference to the described all or part example system of figure 1-6 can be expediently with the general-purpose computing system of one or more instruction sequencing according to disclosed exemplary embodiment, microprocessor, digital signal processor, execution such as microcontroller.Programmer with ordinary skill can be easy to prepare appropriate software according to the instruction of disclosed exemplary embodiment.In addition, example system can be carried out by special IC or by the suitable element circuitry network of interconnection.The exemplary embodiments described here can be used for off-line system, on-line system etc., and can be used in the following application, use as TV, computer utility, DVD uses, and VCR uses, appliance applications, CD plays application, or the like.
In whole instructions, comprise claim, the permission term " comprises " and variant should be interpreted as comprising pointed element as " comprising " or " containing ", and needn't get rid of any other element.
Though top explanation also illustrates the embodiment of the invention, those skilled in the art can understand can not depart from the scope of the invention, and the details of design or structure is made many variations and modification.
Claims (40)
1. a managerial marketing merchant borrower said method comprising the steps of to the method that the credit side repays outstanding obligation:
Card transaction processing module receives and the storage card transaction data in dealer, and described card transaction data is represented consumer's card payment transactions of purchase volume between consumer and the described borrower of dealer;
Receive the clearing payment that described consumer blocks the purchase volume of concluding the business in the payment processes module;
At the venture analysis module analysis described transaction data related, and judge whether described transaction data satisfies predetermined condition with the described borrower of dealer; And
Whether satisfy predetermined condition for described payment processes module generation instruction with basis and distribute described payment and settlement, if satisfy described predetermined condition, the described clearing payment of then near small part is used for the outstanding obligation of credit entry with the minimizing borrower of dealer, otherwise described clearing payment is used for the described borrower's of dealer account.
2. method according to claim 1, wherein, described method is used to manage the outstanding obligation of a plurality of borrowers of dealer to described credit side, and each borrower of dealer transmission card transaction data is given described credit side.
3. method according to claim 1 and 2, wherein, described predetermined condition is determined by agreement between described borrower of dealer and the described credit side.
4. according to the described method of aforementioned each claim, wherein, described instruction is the described clearing payment of certain percentage will be used for described credit entry.
5. method according to claim 1 and 2, wherein, described predetermined condition is, when described transaction data is represented the described borrower of dealer the financial activities in the section are lower than financial activities in preceding predetermined amount of time at the fixed time.
6. method according to claim 5, wherein, the financial activities in preceding predetermined amount of time are financial activities of the borrower of dealer.
7. method according to claim 5, wherein, the financial activities in preceding predetermined amount of time are financial activities of the dealer of similar situation.
8. according to each described method among the claim 5-7, wherein, described predetermined amount of time is one day.
9. according to each described method among the claim 5-7, wherein, described predetermined amount of time is a week.
10. according to each described method among the claim 5-7, wherein, described predetermined amount of time is one month.
11. method according to claim 1 and 2, wherein, thereby described predetermined condition is the user supervises indication all or part described clearing and pays described credit entry and reduce not paying money of the described borrower of dealer.
12. method according to claim 1 and 2 further comprises:, then all described clearing payments are used for described credit entry if satisfy described predetermined condition.
13. method according to claim 1 and 2 wherein, is used described clearing payment according to described dealer transaction every day of protocol section.
14. method according to claim 1 and 2 wherein, is used for described credit entry with the described clearing payment of part.
15. method according to claim 1 and 2 wherein, is used for described credit entry with all described clearing payments.
16., wherein, described clearing payment is used for described credit entry according to unsteady charge to described clearing payment according to the described method of aforementioned each claim.
17. according to the described method of aforementioned each claim, further comprise: long-range described dealer disposal system and/or the payment processing system of being provided with is to third party's entity.
18. according to the described method of aforementioned each claim, wherein, the described transaction data of storage in database.
19. according to the described method of aforementioned each claim, wherein, described predetermined condition is an external factor.
20. a managerial marketing merchant borrower repays the system of outstanding obligation to the credit side, described system comprises:
Dealer's card transaction processing module is used for receiving and the storage card transaction data, and described card transaction data is represented consumer's card payment transactions of purchase volume between consumer and the described borrower of dealer;
The payment processes module is used to receive the clearing payment that described consumer blocks the purchase volume of concluding the business;
The venture analysis module, be used to analyze the described transaction data related with the described borrower of dealer, and judge whether described transaction data satisfies predetermined condition, and whether satisfy predetermined condition for described payment processes module generation instruction with basis and distribute described payment and settlement, if satisfy described predetermined condition, the described clearing payment of then near small part is used for the outstanding obligation of credit entry with the minimizing borrower of dealer, otherwise described clearing payment is used for the described borrower's of dealer account.
21. system according to claim 20, wherein, described system is used to manage the outstanding obligation of a plurality of borrowers of dealer to described credit side, and each borrower of dealer transmission card transaction data is given described credit side.
22. according to claim 20 or 21 described systems, wherein, described predetermined condition is determined by agreement between described borrower of dealer and the described credit side.
23. according to each described system among the claim 20-22, wherein, described instruction is the clearing payment of certain percentage will be used for described credit entry.
24. according to claim 20 or 21 described systems, wherein, described predetermined condition is, when the financial activities in described transaction data is represented the described borrower of dealer predetermined amount of time are lower than financial activities in preceding predetermined amount of time.
25. system according to claim 24, wherein, the financial activities in preceding predetermined amount of time are financial activities of the borrower of dealer.
26. system according to claim 24, wherein, the financial activities in preceding predetermined amount of time are financial activities of the dealer of similar situation.
27. according to each described system among the claim 24-26, wherein, described predetermined amount of time is one day.
28. according to each described system among the claim 24-26, wherein, described predetermined amount of time is a week.
29. according to each described system among the claim 24-26, wherein, described predetermined amount of time is one month.
30. according to claim 20 or 21 described systems, wherein, thereby described predetermined condition is the user supervises indication all or part described clearing and pays described credit entry and reduce not paying money of the described borrower of dealer.
31. according to claim 20 or 21 described systems, wherein, described instruction is if satisfy described predetermined condition, then all described clearing payments is used for described credit entry.
32. according to claim 20 or 21 described systems, wherein, described instruction is to use described clearing payment according to described dealer transaction every day of protocol section.
33., wherein, the described clearing payment of part is used for described credit entry according to claim 20 or 21 described systems.
34., wherein, all described clearing payments are used for described credit entry according to claim 20 or 21 described systems.
35. according to each described system among the claim 20-34, wherein, described instruction is according to the unsteady charge to described clearing payment described clearing payment to be used for described credit entry.
36. according to each described system among the claim 20-35, wherein, described dealer disposal system and/or payment processing system are by the long-range third party's entity that is set to.
37. according to each described system among the claim 20-36, further comprise: database is used to store described transaction data.
38. according to each described system among the claim 20-37, wherein, described predetermined condition is an external factor.
39. one kind is used in according to the venture analysis subsystem in each described system among the claim 20-38.
40. one kind is used in the managerial marketing merchant and repays venture analysis subsystem in the system of outstanding obligation to the credit side, described system has:
Dealer's card transaction processing module is used for receiving and the storage card transaction data, and described transaction data is represented consumer's card payment transactions of purchase volume between consumer and the described borrower of dealer; And
The payment processes module is used to receive the clearing payment that described consumer blocks the purchase volume of concluding the business; Wherein
Described venture analysis subsystem comprises: the transaction data analyzer module is used to analyze the related transaction data with the described borrower of dealer, and judges whether described transaction data satisfies predetermined condition; And instruction generation module, be used to described payment processes module to generate instruction, whether satisfy described predetermined condition with basis and distribute described payment and settlement, if satisfy described predetermined condition, the described clearing payment of then near small part is used for the outstanding obligation of credit entry with the minimizing borrower of dealer, otherwise described clearing payment is used for the described borrower's of dealer account.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| HK09104920.8 | 2009-06-01 | ||
| HK09104920A HK1126621A2 (en) | 2009-06-01 | 2009-06-01 | Loan portfolio management and automatic loan repayment method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101901460A true CN101901460A (en) | 2010-12-01 |
Family
ID=41036795
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009101494703A Pending CN101901460A (en) | 2009-06-01 | 2009-06-19 | Method and system for loan portfolio management and automatic loan repayment |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN101901460A (en) |
| AU (1) | AU2009202196B2 (en) |
| HK (1) | HK1126621A2 (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102915508A (en) * | 2012-09-13 | 2013-02-06 | 吴启波 | System and method for fiduciary loan risk control based on transaction records |
| CN104123658A (en) * | 2014-07-29 | 2014-10-29 | 韩秀华 | Network loan purchase system and platform based on purchase plan and deposit plan |
| CN109255695A (en) * | 2017-07-12 | 2019-01-22 | 北京嘀嘀无限科技发展有限公司 | The loan repayment treating method and apparatus of online trade platform |
| TWI653599B (en) | 2017-04-14 | 2019-03-11 | 合作金庫商業銀行股份有限公司 | Housing guaranteed loan management system |
| CN109801154A (en) * | 2018-12-13 | 2019-05-24 | 深圳壹账通智能科技有限公司 | Credit refund configuration method, device, equipment and storage medium |
| CN110969523A (en) * | 2018-09-30 | 2020-04-07 | 重庆小雨点小额贷款有限公司 | Repayment method, device, server and storage medium |
| CN111179058A (en) * | 2019-12-24 | 2020-05-19 | 天阳宏业科技股份有限公司 | Credit card and consumption loan service integrated management system and method |
| CN111861735A (en) * | 2020-08-04 | 2020-10-30 | 中国工商银行股份有限公司 | Information processing method, device, system and medium for financing |
| CN112116456A (en) * | 2020-09-28 | 2020-12-22 | 中国建设银行股份有限公司 | Business processing method and device for banking loan |
| CN112990898A (en) * | 2021-05-17 | 2021-06-18 | 杭州金线连科技有限公司 | Online commodity selling method based on credit and debt |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117726341A (en) * | 2023-12-21 | 2024-03-19 | 广州安易达互联网小额贷款有限公司 | Method and system for user transaction characteristic analysis and early warning |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6826544B1 (en) * | 1997-07-09 | 2004-11-30 | Advanceme, Inc. | Automated loan repayment |
| US20080052229A1 (en) * | 2006-07-11 | 2008-02-28 | Sheinker Craig E | Automated loan repayment system and method |
-
2009
- 2009-06-01 HK HK09104920A patent/HK1126621A2/en not_active IP Right Cessation
- 2009-06-03 AU AU2009202196A patent/AU2009202196B2/en not_active Ceased
- 2009-06-19 CN CN2009101494703A patent/CN101901460A/en active Pending
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102915508A (en) * | 2012-09-13 | 2013-02-06 | 吴启波 | System and method for fiduciary loan risk control based on transaction records |
| CN104123658A (en) * | 2014-07-29 | 2014-10-29 | 韩秀华 | Network loan purchase system and platform based on purchase plan and deposit plan |
| TWI653599B (en) | 2017-04-14 | 2019-03-11 | 合作金庫商業銀行股份有限公司 | Housing guaranteed loan management system |
| CN109255695A (en) * | 2017-07-12 | 2019-01-22 | 北京嘀嘀无限科技发展有限公司 | The loan repayment treating method and apparatus of online trade platform |
| CN110969523A (en) * | 2018-09-30 | 2020-04-07 | 重庆小雨点小额贷款有限公司 | Repayment method, device, server and storage medium |
| CN109801154A (en) * | 2018-12-13 | 2019-05-24 | 深圳壹账通智能科技有限公司 | Credit refund configuration method, device, equipment and storage medium |
| CN111179058A (en) * | 2019-12-24 | 2020-05-19 | 天阳宏业科技股份有限公司 | Credit card and consumption loan service integrated management system and method |
| CN111861735A (en) * | 2020-08-04 | 2020-10-30 | 中国工商银行股份有限公司 | Information processing method, device, system and medium for financing |
| CN112116456A (en) * | 2020-09-28 | 2020-12-22 | 中国建设银行股份有限公司 | Business processing method and device for banking loan |
| CN112990898A (en) * | 2021-05-17 | 2021-06-18 | 杭州金线连科技有限公司 | Online commodity selling method based on credit and debt |
| CN112990898B (en) * | 2021-05-17 | 2021-09-03 | 杭州金线连科技有限公司 | Online commodity selling method based on credit and debt |
Also Published As
| Publication number | Publication date |
|---|---|
| AU2009202196A1 (en) | 2010-12-16 |
| HK1126621A2 (en) | 2009-08-28 |
| AU2009202196B2 (en) | 2014-03-20 |
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Application publication date: 20101201 |