CN104867052A - Loan repaying processing method and system - Google Patents
Loan repaying processing method and system Download PDFInfo
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- CN104867052A CN104867052A CN201510284298.8A CN201510284298A CN104867052A CN 104867052 A CN104867052 A CN 104867052A CN 201510284298 A CN201510284298 A CN 201510284298A CN 104867052 A CN104867052 A CN 104867052A
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- 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 discloses a loan repaying processing method and system, and belongs to the field of financial technology. The method comprises the steps that after partial payment of a first party within the preset repaying period is received, partial blocked funds corresponding to a bank credit certificate are thawed according to the repaid funds; and if remaining payment is not received after the preset payment requesting period is exceeded, surplus blocked funds corresponding to the bank credit certificate are transferred to a fund management account, and the penalty record of the first party is synchronized to a fund management credit reporting system. With application of the method, the bank credit certificate is introduced to guarantee lending transactions and the penalty record of the first part is synchronized to the fund management credit reporting system so that penalty cost of the first party can be increased, and thus the risk of the loan funds can be reduced and the lending transactions are enabled to be safer.
Description
Technical field
The present invention relates to financial technology field, particularly relate to a kind of repaying disposal route and system.
Background technology
Traditional debt-credit generally refers to a kind of mode of fund being lent and collecting fixed income to debtor, mainly comprises bank debit and credit and personalized lending.Clearing demand is initiated by loaning bill side, when creditor has a mind and lends debit, both sides reach debt-credit transaction by oral or written agreement, if loaning bill side presses agreed period and refunds, creditor receives loan principal and interest, if loaning bill side refunds not according to agreed period, its time limit indefinite extension of recovering.The advantage of tradition debt-credit mode is fixing income, but due to shortage of capital guarantee and oversight mechanism, especially in personalized lending activity, indefinite duration payback period extends, or the event that direct loan people is difficult to recover loan is of common occurrence, cause debt-credit promise breaking to spread unchecked, lender fund can not get ensureing.
As can be seen here, present stage needs a kind of repaying disposal route of improvement, to improve the penalty cost of loaning bill side and to reduce loan fund risk, makes debt-credit transaction safer.
Summary of the invention
In view of this, the technical problem to be solved in the present invention is to provide a kind of repaying disposal route and system, to improve the penalty cost of the first participant and to reduce loan fund risk.
It is as follows that the present invention solves the problems of the technologies described above adopted technical scheme:
According to an aspect of the present invention, the one repaying disposal route provided, be applied to capital management server, the method comprises the following steps:
After receiving the partial payment of the first participant in default repayment period, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money;
If exceed default urge the money time limit after do not receive residue and refund, then residue blocked funds corresponding to silver letter card of transferring to capital management account, and by the promise breaking recording synchronism of the first participant to capital management credit investigation system;
Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.
According to an aspect of the present invention, the one repaying disposal system provided, be applied to capital management server, this system comprises with lower module:
Receiver module, for receiving the refund of the first participant;
Refund processing module, after receiving the partial payment of the first participant in default repayment period, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money;
Treatment for Default module, if for exceed default urge the money time limit after do not receive residue and refund, then residue blocked funds corresponding to silver letter card of transferring to capital management account, and by the promise breaking recording synchronism of the first participant to capital management credit investigation system;
Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.
Repaying disposal route provided by the invention and system, debt-credit transaction is carried out by introducing the guarantee of silver letter card, if the first participant is not refunded according to appointment, then the blocked funds of silver letter card correspondence of transferring, to capital management account, is born the loss chasing after and do not return loan by the second participant.Simultaneously by the promise breaking recording synchronism of the first participant to capital management credit investigation system and typing credit stain, thus increase the penalty cost of the first participant and reduce loan fund risk, making debt-credit transaction safer.
Accompanying drawing explanation
The process flow diagram of a kind of disposal route of repaying that Fig. 1 provides for the embodiment of the present invention.
The process flow diagram of the another kind repaying disposal route that Fig. 2 provides for the embodiment of the present invention.
The function structure chart of a kind of disposal system of repaying that Fig. 3 provides for the embodiment of the present invention.
The function structure chart of the another kind repaying disposal system that Fig. 4 provides for the embodiment of the present invention.
Embodiment
In order to make technical matters to be solved by this invention, technical scheme and beneficial effect clearly, understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
In the present invention, the first participant is loaning bill side.Second participant refers to that first participant that has a mind initiates the individual or entity of loan purpose, but serves guarantee effect in reality debt-credit transaction.Institutions managing funds refers to the financial institution that can support Capital Flow and transaction, plays the effect of lender in debt-credit transaction.Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.Silver letter card is that institutions managing funds promises to undertake the electronic credit voucher handling receipt and payment clearing according to solution condition of paying.Silver letter card is a kind of internet basis for innovation financial instrument with institutions managing funds credit acceptance and guarantee, mainly for the product of buyer, cashier access interface is downloaded by seller, complete the opening L/C of silver letter card by buyer, seller completes to receive and demonstrate,prove and honour an agreement, submit to separate and pay, last silver letter card expires and automatically to separate pair.Silver letter card not only can use commodity purchasing, also can be used for mortgage.Institutions managing funds refers to the mechanism that can support Capital Flow, includes but not limited to bank and other financial institutions (as security organization).Correspondingly, capital management server comprises bank server or other financial institution servers; Capital management account comprises bank loan account or other financial institution loan accounts; Capital management credit investigation system comprises the People's Bank's credit investigation system or other financial institution's credit investigation systems.In the present invention, silver letter card is opened to the application of capital management server by the second participant, in this, as the guarantee of providing a loan to other people, what capital management server received that the second participant application opens have with the silver of amount of the loan single-candidate believe and demonstrate,prove after, freeze the corresponding amount of money in the second participant account, and offer loans to the first participant as condition.It should be noted that, although the silver letter card that the second participant is opened is frozen, fund is still in the second participant account, and just fund is in not available state, but does not also affect collecting of the second participant current interest between freezing period.Such as, second participant account fund remaining sum is 300,000, to capital management server opened 200,000 silver letter card and frozen, but capital management server still calculates current interest by the balance of funding of 300,000, or capital management server calculates the second participant current interest by the balance of funding of 100,000, and calculate separately the fund current interest between silver letter card freezing period.
Embodiment one
As shown in Figure 1, the one repaying disposal route that the embodiment of the present invention provides, be applied to capital management server, the method comprises the following steps:
S101, receive the partial payment of the first participant in default repayment period after, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money.
Particularly, first participant is within the agreement length of maturity after partial payment, capital management server thaws part blocked funds corresponding to silver letter card, and meanwhile, the part blocked funds of thawing and corresponding current interest automatically become in the second participant account can utilization state.
If S102 exceed default urge the money time limit after do not receive residue and refund, then residue blocked funds corresponding to silver letter card of transferring to capital management account, and by the promise breaking recording synchronism of the first participant to capital management credit investigation system.
Particularly, urging (such as one month) in the money time limit, institutions managing funds can carry out recall residue loan by capital management server or manually to the first participant, the money time limit is urged also not refund (urging money failure) if the first participant exceedes, then blocked funds corresponding for silver letter card to be transferred to capital management account, guarantee that the loan fund of institutions managing funds does not have risk, born the loss chasing after and do not return loan by the second participant.Simultaneously by the promise breaking recording synchronism of the first participant to capital management credit investigation system, by giving the first participant typing credit stain, make that the first participant is follow-up cannot use the accrediting amount.
In the repaying method of the embodiment of the present invention, believe that debt-credit transaction is carried out in card guarantee by introducing silver, if the first participant is not refunded according to appointment, then silver letter of transferring demonstrate,proves corresponding blocked funds to capital management account, is born the loss chasing after and do not return loan by the second participant.Simultaneously by the promise breaking recording synchronism of the first participant to capital management credit investigation system and typing credit stain, thus increase the penalty cost of the first participant and reduce loan fund risk, making debt-credit transaction safer.
Embodiment two
As shown in Figure 2, the one repaying disposal route that the embodiment of the present invention provides take institutions managing funds as bank, and capital management server is bank server is that example is described, and the method comprises the following steps:
S201, receive the partial payment of the first participant in default repayment period after, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money.
Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.
As a kind of preferred version, in order to maximize the interests of institutions managing funds, the refund amount of money received comprises whole loan interest and part loan principal.That is, refund capital (namely needing the fund of thawing) is only first cut whole loan interests of loan fund from redrawing funds after.Thus first loan interest is taken in partial payment, follow-up also favourable to institutions managing funds when calculating residue refund extension overdue fine.
S202, preset urge in the money time limit, to first participant recall residue loan.
Particularly, bank can manually urge the first participant also to remain loan, also can by bank server omnibearing recall residue loan, recall is carried out in combination as by one or more modes following: dialing notifies the telephone number that the first participant is preset or mobile phone, mail notification is sent to the E-mail address that the first participant is preset, to the software program client push information of the first participant registration, the mobile number preset to the first participant sends SMS notification, the QQ number preset to the first participant sends QQ message, or send message to the micro-signal code that the first participant is preset.
If S203 receives residue refund in urging in the money time limit of presetting, perform step S204, otherwise perform step S205.
S204, the residue blocked funds that the silver letter card that thaws is corresponding, and by the rule preset in the second participant account and capital management account floated loan interest, perform step S206.
Particularly, due to silver letter card, the current interest during freezing of funds automatically to calculate in the second participant account when thawing the blocked funds of silver letter card and becomes upstate.Loan interest is transferred accounts while then being refunded by the first participant capital management account.Certainly, the second participant and institutions managing funds also can arrange way of benefit distribution of providing a loan completely separately, reallocate according to the mode of agreement.When refunding when delaying, the overdue fine can also collecting extension fund distributes.
S205, silver letter of transferring demonstrate,prove corresponding residue blocked funds to bank loan account, and by the promise breaking recording synchronism of the first participant to bank reference system.
S206, process ends.
In the present embodiment, if the first participant is refunded according to appointment, then second participant that thaws the silver letter card applying for opening, the second participant and bank are according to treaty rule floated loan interest.If the first participant is not refunded according to appointment, then silver letter card can keep frozen state in a fixed term (urging the money time limit), by bank to the first participant recall, if the first participant completes the refund (bank urges money success) of surplus capital in the money time limit urging, still thaw silver letter card, and the second participant and bank are by agreement floated loan interest, if the first participant is urging in the money time limit do not refund (bank urges money failure) on time, bank loan account of then the residue blocked funds of silver letter card being transferred to ensures the interests of bank, the loss chasing after and do not return loan is born by the second participant, simultaneously by the promise breaking recording synchronism of the first participant to capital management credit investigation system, by giving the first participant typing credit stain, make that the first participant is follow-up cannot use the accrediting amount, improve the penalty cost of the first participant, thus reduce the promise breaking possibility of the first participant, reduce the risk of loan fund, make debt-credit transaction safer.
Embodiment three
As shown in Figure 3, the one repaying disposal system that the embodiment of the present invention provides, be applied to capital management server, this system comprises with lower module:
Receiver module 10, for receiving the refund of the first participant.
Particularly, receiver module 10 can the partial payment of the first participant in default repayment period.
Refund processing module 20, after receiving the partial payment of the first participant in default repayment period, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.
Particularly, first participant is within the agreement length of maturity after partial payment, capital management server thaws part blocked funds corresponding to silver letter card, and meanwhile, the part blocked funds of thawing and corresponding current interest automatically become in the second participant account can utilization state.
Treatment for Default module 30, if for exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to silver letter card of transferring to capital management account, and by the promise breaking recording synchronism of the first participant to capital management credit investigation system.
Particularly, the money time limit is urged also not refund (urging money failure) if the first participant exceedes, blocked funds corresponding for silver letter card is transferred capital management account by Treatment for Default module 30, guarantee that the loan fund of institutions managing funds does not have risk, born the loss chasing after and do not return loan by the second participant.Simultaneously by the promise breaking recording synchronism of the first participant to capital management credit investigation system, by giving the first participant note upper credit stain, make that the first participant is follow-up cannot use the accrediting amount.
As a kind of preferred version, after in order to ensure the first participant, in default urging, in the money time limit, also residue is provided a loan, silver letter is demonstrate,proved and still can be thawed.Refund processing module 20 also for: refund if receive residue urging in the money time limit of presetting, the residue blocked funds that the silver letter card that thaws is corresponding, and by the rule preset in the second participant account and capital management account floated loan interest.
Particularly, due to silver letter card, the current interest during freezing of funds automatically to calculate in the second participant account when thawing the blocked funds of silver letter card and becomes upstate.Loan interest is transferred accounts while then being refunded by the first participant capital management account.Certainly, the second participant and institutions managing funds also can arrange way of benefit distribution of providing a loan completely separately, reallocate according to the mode of agreement.When refunding when delaying, the overdue fine can also collecting extension fund distributes.
As shown in Figure 4, in certain embodiments, this system also comprises urges money module 40, for urging in the money time limit what preset, to the first participant recall residue loan.
Particularly, urge money module 40 can specifically for being undertaken urging money by any one or a few combination following: dialing notifies the telephone number that the first participant is preset or mobile phone, sends mail notification to the E-mail address that the first participant is preset, send SMS notification to the software program client push information of the first participant registration, the mobile number preset to the first participant, the QQ number preset to the first participant sends QQ message or sends message to the micro-signal that the first participant is preset.Certainly, money module 40 is urged can to omit by carrying out under artificial online.
In the repaying system of the embodiment of the present invention, believe that debt-credit transaction is carried out in card guarantee by introducing silver, if the first participant is not refunded according to appointment, then silver letter of transferring demonstrate,proves corresponding blocked funds to capital management account, is born the loss chasing after and do not return loan by the second participant.Simultaneously by the promise breaking recording synchronism of the first participant to capital management credit investigation system and typing credit stain, thus increase the penalty cost of the first participant and reduce loan fund risk, making debt-credit transaction safer.
It should be noted that, the technical characteristic in said method embodiment one and embodiment two is suitable for native system is all corresponding, no longer repeats here.
One of ordinary skill in the art will appreciate that all or part of step realized in above-described embodiment method is that the hardware that can control to be correlated with by program completes, described program can be stored in a computer read/write memory medium, described storage medium, as ROM/RAM, disk, CD etc.
Above with reference to the accompanying drawings of the preferred embodiments of the present invention, not thereby limit to interest field of the present invention.Those skilled in the art do not depart from the scope and spirit of the present invention interior done any amendment, equivalent replacement and improve, all should within interest field of the present invention.
Claims (10)
1. a repaying disposal route, be applied to capital management server, it is characterized in that, the method comprises the following steps:
After receiving the partial payment of the first participant in default repayment period, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money;
If exceed default urge the money time limit after do not receive residue and refund, then residue blocked funds corresponding to silver letter card of transferring to capital management account, and by the promise breaking recording synchronism of the first participant to capital management credit investigation system;
Wherein, described silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of described capital management server and by described capital management server by the second participant.
2. repaying disposal route according to claim 1, it is characterized in that, the method also comprises:
Urge in the money time limit what preset, to described first participant recall residue loan.
3. repaying disposal route according to claim 2, it is characterized in that, described loan to the first participant recall residue comprises further: dialing notifies the telephone number that described first participant is preset or mobile phone, mail notification is sent to the E-mail address that described first participant is preset, the mobile number preset to described first participant sends SMS notification, to the software program client push information of described first participant registration, the QQ number preset to described first participant sends QQ message, and/or send message to the micro-signal code that described first participant is preset.
4. repaying disposal route according to claim 1, it is characterized in that, the method also comprises:
If receive residue refund in urging in the money time limit of presetting, then the residue blocked funds that the described silver-colored letter card that thaws is corresponding, and press default rule in described second participant account and described capital management account floated loan interest.
5. the repaying disposal route according to claim 1-4 any one claim, it is characterized in that, described capital management server comprises bank server or other financial institution servers, correspondingly, described capital management account comprises bank loan account or other financial institution loan accounts.
6. a repaying disposal system, is applied to capital management server, it is characterized in that, this system comprises with lower module:
Receiver module, for receiving the refund of the first participant;
Refund processing module, after receiving the partial payment of the first participant in default repayment period, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money;
Treatment for Default module, if for exceed default urge the money time limit after do not receive residue and refund, then residue blocked funds corresponding to silver letter card of transferring to capital management account, and by the promise breaking recording synchronism of described first participant to capital management credit investigation system;
Wherein, described silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of described capital management server and by described capital management server by the second participant.
7. repaying disposal system according to claim 6, is characterized in that, this system also comprises:
Urge money module, for urging in the money time limit what preset, to described first participant recall residue loan.
8. repaying disposal system according to claim 7, it is characterized in that, described in the mobile number of urging money module to notify the telephone number that described first participant is preset or mobile phone specifically for: dialing, send mail notification to the E-mail address that described first participant is preset, presetting to described first participant send SMS notification, send QQ message to the software program client push information of described first participant registration, the QQ number preset to described first participant and/or send message to the micro-signal code that described first participant is preset.
9. repaying disposal system according to claim 7, is characterized in that, described refund processing module also for:
If receive residue refund in urging in the money time limit of presetting, then the residue blocked funds that the described silver-colored letter card that thaws is corresponding, and press default rule in the second participant account and capital management account floated loan interest.
10. the repaying disposal system according to claim 6-9 any one claim, it is characterized in that, described capital management server comprises bank server or other financial institution servers, correspondingly, described capital management account comprises bank loan account or other financial institution loan accounts.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510284298.8A CN104867052A (en) | 2015-05-29 | 2015-05-29 | Loan repaying processing method and system |
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| CN201510284298.8A CN104867052A (en) | 2015-05-29 | 2015-05-29 | Loan repaying processing method and system |
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| CN104867052A true CN104867052A (en) | 2015-08-26 |
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| CN201510284298.8A Pending CN104867052A (en) | 2015-05-29 | 2015-05-29 | Loan repaying processing method and system |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191971A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment processing method and system |
| WO2016191970A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method and lending system |
| CN106897872A (en) * | 2016-12-08 | 2017-06-27 | 阿里巴巴集团控股有限公司 | Resource regulating method and device, method of payment and device |
| CN107067321A (en) * | 2017-05-05 | 2017-08-18 | 国信嘉宁数据技术有限公司 | Data security method, server, client and the system of payment beforehand business |
| CN109636612A (en) * | 2018-10-19 | 2019-04-16 | 深圳平安财富宝投资咨询有限公司 | Financing resource allocation methods, device, equipment and medium based on data analysis |
| TWI658423B (en) * | 2016-01-27 | 2019-05-01 | 楊瑞芬 | Dynamically adjustable loan system and method |
| WO2019157773A1 (en) * | 2018-02-13 | 2019-08-22 | 平安科技（深圳）有限公司 | Method and system for splitting credit repayments by halves in credit repayment service |
| CN110298644A (en) * | 2019-05-27 | 2019-10-01 | 阿里巴巴集团控股有限公司 | Account recovery method, apparatus, server and readable storage medium storing program for executing |
-
2015
- 2015-05-29 CN CN201510284298.8A patent/CN104867052A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191971A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment processing method and system |
| WO2016191970A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method and lending system |
| TWI658423B (en) * | 2016-01-27 | 2019-05-01 | 楊瑞芬 | Dynamically adjustable loan system and method |
| CN106897872A (en) * | 2016-12-08 | 2017-06-27 | 阿里巴巴集团控股有限公司 | Resource regulating method and device, method of payment and device |
| CN107067321A (en) * | 2017-05-05 | 2017-08-18 | 国信嘉宁数据技术有限公司 | Data security method, server, client and the system of payment beforehand business |
| WO2019157773A1 (en) * | 2018-02-13 | 2019-08-22 | 平安科技（深圳）有限公司 | Method and system for splitting credit repayments by halves in credit repayment service |
| CN109636612A (en) * | 2018-10-19 | 2019-04-16 | 深圳平安财富宝投资咨询有限公司 | Financing resource allocation methods, device, equipment and medium based on data analysis |
| CN110298644A (en) * | 2019-05-27 | 2019-10-01 | 阿里巴巴集团控股有限公司 | Account recovery method, apparatus, server and readable storage medium storing program for executing |
| CN110298644B (en) * | 2019-05-27 | 2023-11-14 | 创新先进技术有限公司 | Account additional money method, account additional money device, server and readable storage medium |
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Application publication date: 20150826 |