CN104616139A - Real-time anonymous P2P borrowing system - Google Patents
Real-time anonymous P2P borrowing system Download PDFInfo
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- CN104616139A CN104616139A CN201510064280.7A CN201510064280A CN104616139A CN 104616139 A CN104616139 A CN 104616139A CN 201510064280 A CN201510064280 A CN 201510064280A CN 104616139 A CN104616139 A CN 104616139A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention relates to a real-time anonymous P2P borrowing system. The real-time anonymous P2P borrowing system comprises a borrowing platform and a social platform. The borrowing platform comprises a borrowing sponsoring and sharing subsystem, a payment subsystem, a pre-payment subsystem and a settlement subsystem; the social platform is a third party communication platform through which a borrower sends a borrowing offer to the acquaintances. The real-time anonymous P2P borrowing system has advantages that the funds are transferred to the account immediately, and the borrowing requirement of the borrower is satisfied timely; the system is orientated to the acquaintances, the business risk is lowered through the information transparency between the acquaintances, and the P2P coverage rate is expanded; a lender can select a real-name mode or an anonymous mode to protect privacy and promote transaction.
Description
[technical field]
The present invention relates to financial technology field, internet, specifically, is a kind of real-time anonymous P2P balance system.
[background technology]
P2P refers to peer to peer, and P2P finance refers to that walking around conventional banking facilities between individuality (individual or enterprise) carries out direct financial business contact.At present, P2P finance mainly occurs in strange enterprise and individual, and between strange individual and individual.
In payment mode, most of P2P financial business is by the transfer of P2P platform, is transferred accounts to P2P platform, then go to loaning bill side by P2P platform by the side of lending by Third-party payment platform, and the mode of Zhi Fang is real name, indirect and non real-timely arrive account.
Existing P2P loan platform is mainly used between stranger, there is following problems:
One is that platform has a big risk.The display of authority's statistics, the overall bad debt rate of P2P is more than 10%.Because P2P is based on petty load, can not bear higher credit check cost, be therefore with the Main Basis submitting to data to be credit, there is loan application people and cheat loan with false data, makes the potential risks such as loan lending side and P2P platform sustain a loss.
Two is that platform operation cost is high, has increased the weight of the cost burden of the side of loaning bill in P2P loan.General P2P platform toll rate is about 10% of loan value, and platform service charge is just much higher than banker's call rate, increases the burden of loaning bill side, and then increases default risk, and the efficiency of operation of whole system reduces.
Three is that the technical approach that existing P2P pays all is made troubles with debtor to lending, or even risk.Because bank adopts T+1 to the mode of account to the clearing of enterprise, namely extend a working day, therefore P2P borrows and increases time delay into people from P2P platform transfer loaning bill, and the loaning bill of loaning bill side, slowly less than account, likely can affect the normal performance of use of the loan; Debtor is refunded and is also faced same problem, when namely debtor is refunded, fund is squeezed into P2P platform, then has P2P platform to be distributed to fund debtor.To lending Fang Eryan, the risk that fund adds fund security held by platform, and the event that P2P platform runs away happens occasionally.
Four is that present P2P ignores the important colony of P2P financing needs with operation platform-type between stranger, and namely the demand of capital loan between acquaintance, causes a large amount of idle fund to can not get Appropriate application.
Five is existing all debt-credit modes, all adopt system of real name, cause between acquaintance because the reasons such as emotion are unwilling return is discussed, even if debtor has a mind to provide the return side of lending often also to be reluctant to accept, in order to avoid injure emotion, this convention hinders the credit contact between acquaintance, need the means of innovating technologies, facilitating the transaction of both sides, by increasing producer surplus and the Consumer Surplus of both parties, promoting the welfare of entire society.
[summary of the invention]
The object of the invention is for deficiency of the prior art, adopt the mode of p2p platform payment in advance, skip the late effect of platform link in payment, realize between social platform is for acquaintance, provide p2p that is direct, instant, sets itself return to borrow or lend money financial service, expand the object of the service range of internet finance, a kind of real-time anonymous P2P balance system is provided.
For achieving the above object, the technical scheme that the present invention takes is: a kind of real-time anonymous P2P balance system, comprise loan platform and social platform, described loan platform comprises debt-credit and initiates and share subsystem, pay subsystem, prepay subsystem and clearing subsystem; Described social platform, refers to that loaning bill promoter sends third party's intercourse platform of loaning bill offer to acquaintance.
User loan platform initiate debt-credit request, social platform find lend people, debt-credit promoter loan platform can sets itself repay interest rate and mode of satisfaction, described mode of satisfaction refers to by stages or repays in a lump sum.
Lend-borrow action is independently completed with the side of lending by debtor, and the side of lending provides a loan based on to the understanding of debtor credit and the voluntary granting P2P of debtor income return, and platform assumes no responsibility.
Described lend people and can select real name or anonymity.
The side of lending will lend funds payment loan platform, after platform deduction platform licensing, consign to debtor; Also amortization cost is first consigned to platform when debtor is repaid the loan, then by platform granting to the side of lending.
Platform is carried out in real time to account to account function, avoids time delay, be no matter provide described in P2P loan or repaying described P2P provides a loan, when loan platform receives the e bill of bank or Third-party payment, usage platform owner's capital are paid for first immediately.
Borrow people when loan platform is repaid the loan, only need repay the capital investment that should repay, described loan platform, by algorithm, automatically will be repaid the loan and be divided into some parts, and repay respectively and lend people to corresponding real name or anonymity.
The invention has the advantages that:
1. instant to account, meet the capital loan demand borrowing people in time;
2. system is towards acquaintance, reduces business risk by the transparency information between acquaintance, expands the coverage rate of P2P;
3. lend people and can select real name or anonymity, protection privacy, promotes transaction.
[accompanying drawing explanation]
Accompanying drawing 1 is overall operation process flow diagram of the present invention.
[embodiment]
Below in conjunction with drawings and the specific embodiments, embodiment provided by the invention is elaborated.
As shown in Figure 1, a kind of real-time anonymous P2P balance system, comprises loan platform and social platform.Described loan platform comprises debt-credit and initiates and share subsystem, pay subsystem, prepay subsystem and clearing subsystem; Described social platform, refers to that loaning bill promoter sends third party's intercourse platform of loaning bill offer to acquaintance.
Described loan platform debt-credit is initiated subsystem and is initiated to borrow money for loaning bill promoter, borrow people and initiate need to fill in when borrowing money the account No. that conforms to self name and the minimum target amount of money of borrowing money, the loaning bill upper limit and by the time, and set refund interest rate and mode, simultaneously platform calculates receivable platform licensing and each refund time and the amount of money show to user below, then by calling bank interface, detect the validity borrowing people's account, effective then pass through, otherwise reject the loaning bill request of borrowing people.
Described loan platform shares subsystem for user after completing and initiating to borrow money, by loaning bill distribution of information to the social platform of each main flow.Lend people finds user loaning bill request in social platform, and click based on the attraction understood the credit of loaning bill promoter and return and jump to loan platform and lend funds.Lend people based on to the acquaintance borrowing people and comparatively understand, lend people and independently accept the risk, platform does not bear obligation under bond.Lend when people lends funds and can select real name or anonymity, anonymity, can not be anonymous to balance system only to borrowing people's effect.
Described payment subsystem is referred to and lends people and borrow people and can be disbursed funds to loan platform of the present invention by bank client or Third-party payment, and is gone to the object lending or borrow by platform.Loan platform when lending by borrow people initiate loaning bill movable time agreement collect certain service charge.
Described prepayment subsystem refer to loaning bill platform receive lend people lend fund or borrow people's amortization cost time, do not wait until receive turn pass fund after just start to transfer accounts, but transfer accounts after electronic information receiving bank or Third-party payment, namely use platform oneself transfer of financial resources to the functional module of destination object, can realize lending people and lend or borrow the real-time to account of people's refund.
Described clearing subsystem refers to borrower when refunding by system Automatic-settlement, and particularly when lending artificial many people, the refund of borrowing people is divided into many parts to repay respectively by automatic by clearing subsystem.
The above is only the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the prerequisite not departing from the inventive method; can also make some improvement and supplement, these improve and supplement and also should be considered as protection scope of the present invention.
Claims (7)
1. a real-time anonymous P2P balance system, is characterized in that, described balance system comprises loan platform and social platform, and described loan platform comprises debt-credit and initiates and share subsystem, pay subsystem, prepay subsystem and clearing subsystem; Described social platform, refers to that loaning bill promoter sends third party's intercourse platform of loaning bill offer to acquaintance.
2. a kind of real-time anonymous P2P balance system according to claim 1, it is characterized in that, user initiates debt-credit request in loan platform, find in social platform and lend people, debt-credit promoter loan platform can sets itself repay interest rate and mode of satisfaction, described mode of satisfaction refers to by stages or repays in a lump sum.
3. a kind of real-time anonymous P2P balance system according to claim 2, it is characterized in that, lend-borrow action is independently completed with the side of lending by debtor, and the side of lending provides a loan based on to the understanding of debtor credit and the voluntary granting P2P of debtor income return, and platform assumes no responsibility.
4. a kind of real-time anonymous P2P balance system according to claim 3, is characterized in that, described lend people and can select real name or anonymity.
5. a kind of real-time anonymous P2P balance system according to claim 4, is characterized in that, the side of lending will lend funds payment loan platform, after platform deduction platform licensing, consigns to debtor; Also amortization cost is first consigned to platform when debtor is repaid the loan, then by platform granting to the side of lending.
6. a kind of real-time anonymous P2P balance system according to claim 5, it is characterized in that, platform is carried out in real time to account to account function, avoid time delay, be no matter provide described in P2P loan or repaying described P2P provides a loan, when loan platform receives the e bill of bank or Third-party payment, usage platform owner's capital are paid for first immediately.
7. a kind of real-time anonymous P2P balance system according to claim 6, it is characterized in that, borrow people when loan platform is repaid the loan, only need repay the capital investment that should repay, described loan platform passes through algorithm, automatic repaying the loan is divided into some parts, repays respectively and lends people to corresponding real name or anonymity.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201510064280.7A CN104616139A (en) | 2015-02-06 | 2015-02-06 | Real-time anonymous P2P borrowing system |
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| CN201510064280.7A CN104616139A (en) | 2015-02-06 | 2015-02-06 | Real-time anonymous P2P borrowing system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105631739A (en) * | 2015-12-24 | 2016-06-01 | 苏州九人言网络科技有限公司 | Real-name Internet lending system based on friend circle strong tie and method thereof |
| CN105825427A (en) * | 2016-03-23 | 2016-08-03 | 华南农业大学 | Encrypted keyword search-based bidirectional anonymity trusted network debit and credit system and method |
| WO2016191931A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment method, and data interaction processing method, terminal and system |
| WO2016191929A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
| WO2016191933A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment method, and data interaction processing method, terminal and system |
| WO2016191927A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191931A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment method, and data interaction processing method, terminal and system |
| WO2016191929A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
| WO2016191933A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment method, and data interaction processing method, terminal and system |
| WO2016191927A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
| CN105631739A (en) * | 2015-12-24 | 2016-06-01 | 苏州九人言网络科技有限公司 | Real-name Internet lending system based on friend circle strong tie and method thereof |
| CN105825427A (en) * | 2016-03-23 | 2016-08-03 | 华南农业大学 | Encrypted keyword search-based bidirectional anonymity trusted network debit and credit system and method |
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