CN104978687A - Creditor's rights transferring processing device and creditor's rights transferring processing method - Google Patents
Creditor's rights transferring processing device and creditor's rights transferring processing method Download PDFInfo
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Abstract
The invention discloses a creditor's rights transferring processing device, which comprises a transferring request receiving module, an account storage module, a creditor's rights storage module, a transferring processing module and a transferee request receiving module, wherein the transferring request receiving module is used for receiving a creditor's rights transferring request; the creditor's rights transferring request specifies identifications of creditor's rights to be transferred and the transferring amount; the account storage module is used for storing the balance asset number corresponding to each user identification; the creditor's rights storage module is used for storing debt information data corresponding to each creditor's rights identification; the transferring processing module is used for marking the debt information data into a to-be-transferred state according to the identifications of the creditor's rights to be transferred; the transferee request receiving module is used for receiving a creditor's rights transferee request; and the transferring processing module is used for canceling the to-be-transferred state of the debt information data, updating escheatage information in the debt information data and modifying the balance asset number corresponding to a creditor user identification and a creditor's rights transferee user identification according to the transferring amount. The invention also correspondingly discloses a creditor's rights transferring processing method. When the technical scheme is adopted, the creditor's rights transferring processing efficiency can be improved.
Description
Technical field
The present invention relates to field of computer technology, particularly relate to a kind of assignment of credit treating apparatus and method.
Background technology
Credits are the rights and duties in certain time limit between obligee and debtor.In financial field, obligee is for various different object, and often need by the assignment of credit to the 3rd people, in assignment of credit process, obligee can be referred to as assignment of credit people, and the 3rd people can be referred to as assignee of the claim.
In the conventional technology, the assignment of credit is usually by manually completing, process formality is various and complicated, such as debt assignment of credit people generally needs to link up face to face or with forms such as phone, note, mails with assignee of the claim, sign an agreement again, and when the assignment of credit is carried out in assignment of credit people agency by agreement, its concern is just wider, process is just relatively more complicated.
Summary of the invention
Based on this, be necessary to provide a kind of assignment of credit treating apparatus and method, assignment of credit process can be completed expeditiously with computer technology.
A kind of assignment of credit treating apparatus, comprising:
Transfer the possession of request receiving module, for receiving the assignment of credit request that obligee place terminal sends, specifying credits mark to be transferred the possession of in described assignment of credit request and transferring the possession of the amount of money;
Account memory module, for storing surplus assets number corresponding to each user ID;
Credits memory module, for storing debt information data corresponding to each credits mark;
Transfer processing module, after receiving described assignment of credit request at described device, according to credits described to be transferred the possession of mark, by the debt information data markers of correspondence for treating transfer state;
To assign request receiving module, for receiving the credits request of assigning that assignee of the claim place terminal sends;
Described transfer processing module, also for receive at described device described credits assign request after, that cancels described debt information data treats transfer state, and the right of attribution information comprised in described debt information data upgraded, and revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money.
Wherein in an embodiment, described debt information data at least comprise obligee's user ID, debtor's user ID, debt amount and date information;
Described device also comprises authentication module, described authentication module for judging whether the described transfer amount of money meets preset cost requirement compared with described debt amount, and/or
Judge whether the date receiving described assignment of credit request meets Preset Time requirement compared with described date information,
If meet described preset cost requirement and/or described Preset Time requirement, then by described transfer processing module by described debt information data markers for treating transfer state, otherwise described debt information data not to be processed.
Wherein in an embodiment, described transfer processing module comprises:
Wait to transfer the possession of release unit, for storing the debt information data being in and treating transfer state;
Time limit management unit, for judging whether described device receives the request of assigning of described credits within the default time limit;
Operation execution unit, for receive the request of assigning of described credits within the default time limit at described device after, that cancels described debt information data treats transfer state, and described obligee's user ID is updated to assignee of the claim's user ID, and revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money; And for not receiving the request of assigning of described credits at described device within the default time limit, that cancels described debt information data treats transfer shape.
Wherein in an embodiment, described device also comprises cancels request receiving module and refund information receiving module;
Describedly cancel request receiving module, cancel assignment of credit request for what receive that obligee place terminal sends, described in cancel in the assignment of credit request credits mark specifying and be in the debt information data treating transfer state;
Described refund information receiving module, for receiving the refund information that debtor place terminal sends, carries the credits mark and the refund amount of money that are in the debt information data treating transfer state in described refund information;
Described time limit management unit, also for judging, within the described default time limit, to cancel assignment of credit request described in whether described device receives;
Described operation execution unit, also for after cancelling assignment of credit request described in receiving at described device, that cancels described debt information data treats transfer state;
Described time limit management unit, also for judging, within the described default time limit, whether described device receives described refund information;
Described operation execution unit, also for after receiving described refund information at described device, that cancels described debt information data treats transfer state, and the debt amount revised in described debt information data, and the surplus assets number that amendment obligee user ID, debtor's user ID are corresponding.
Wherein in an embodiment, described account memory module is also for storing surplus assets number corresponding to operation management account;
Described operation execution unit, for receive the request of assigning of described credits within the default time limit at described device after, the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID is revised according to the described transfer amount of money, and revise surplus assets number corresponding to described operation management account, comprising:
Described operation execution unit, for transferring the possession of the amount of money by the surplus assets number deduction corresponding to described assignee of the claim's user ID;
Described operation execution unit, for surplus assets number corresponding for described operation management account is increased by the first amount of money number, described first amount of money number is calculated by the preset ratio of described debt amount;
Described operation execution unit, for the surplus assets number corresponding to described obligee's user ID is increased by the second amount of money number, described second amount of money number is the part deducting described first amount of money number in the described transfer amount of money.
A kind of assignment of credit disposal route, comprising:
Receive the assignment of credit request that obligee place terminal sends, specify credits mark to be transferred the possession of in described assignment of credit request and transfer the possession of the amount of money;
Store the surplus assets number that each user ID is corresponding;
Store the debt information data that each credits mark is corresponding;
According to credits described to be transferred the possession of mark, by the debt information data markers of correspondence for treating transfer state;
Receive the credits request of assigning that assignee of the claim place terminal sends;
That cancels described debt information data treats transfer state, and the right of attribution information comprised in described debt information data upgraded, and revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money.
Wherein in an embodiment, described debt information data at least comprise obligee's user ID, debtor's user ID, debt amount and date information;
Described method also comprises:
Judge whether the described transfer amount of money meets preset cost requirement compared with described debt amount, and/or
Judge whether the date receiving described assignment of credit request meets Preset Time requirement compared with described date information,
If meet described preset cost requirement and/or described Preset Time requirement, then by described debt information data markers for treating transfer state, otherwise described debt information data not to be processed.
Wherein in an embodiment, described method also comprises:
Judge whether within the default time limit, receive the request of assigning of described credits;
If, that then cancels described debt information data treats transfer state, and described obligee's user ID is updated to assignee of the claim's user ID, and revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money; Otherwise that cancels described debt information data treats transfer state.
Wherein in an embodiment, described method also comprises:
Judge, within the described default time limit, whether to receive and cancel assignment of credit request, described in cancel in assignment of credit request specify be in the debt information data treating transfer state credits mark; That if so, then cancels described debt information data treats transfer state; And
Judge whether described device receives refund information within the described default time limit, in described refund information, carry the credits mark and the refund amount of money that are in the debt information data treating transfer state; That if so, cancels described debt information data treats transfer state, and revises the debt amount in described debt information data, and the surplus assets number that amendment obligee user ID, debtor's user ID are corresponding.
Wherein in an embodiment, described method also comprises surplus assets number corresponding to storage operation management account;
Described method also comprises: receive the request of assigning of described credits within the described default time limit after, revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money, and revise surplus assets number corresponding to described operation management account; Comprise:
Surplus assets number deduction corresponding to described assignee of the claim's user ID is transferred the possession of the amount of money;
Surplus assets number corresponding for described operation management account is increased by the first amount of money number, and described first amount of money number is calculated by the preset ratio of described debt amount;
Surplus assets number corresponding to described obligee's user ID is increased by the second amount of money number, and described second amount of money number is the part deducting described first amount of money number in the described transfer amount of money
Above-mentioned assignment of credit treating apparatus and method, after the assignment of credit request receiving the terminal transmission of obligee place, be state to be stored by debt information data markers corresponding for wherein credits mark, and when after the credits request of assigning receiving the terminal transmission of assignee of the claim place, that cancels debt information data treats transfer state, and the right of attribution information comprised in debt information data is upgraded, and according to transfer amount of money amendment obligee user ID, surplus assets number corresponding to assignee of the claim's user ID, thus complete the process of the assignment of credit, compared to relying on the process manually completing the assignment of credit in prior art, improve the gentle efficiency of Automated water of process.
Accompanying drawing explanation
Fig. 1 is the structural representation of the assignment of credit treating apparatus in an embodiment;
Fig. 2 is structural representation and the application drawing thereof of assignment of credit treating apparatus in an embodiment;
Fig. 3 is the schematic flow sheet of the assignment of credit disposal route in an embodiment.
Embodiment
In order to make object of the present invention, technical scheme and advantage 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.
See Fig. 1, in one embodiment, a kind of assignment of credit treating apparatus is provided.This device can be applied to the server in banking network platform, wherein banking network platform can realize the assignment of credit function in the present invention, the functions such as other are are such as borrowed or lent money, bid can also be realized, do not limit at this, server can be single independently physical computer or be made up of distributed network computer.This assignment of credit treating apparatus comprises: transfer the possession of request receiving module 102, credits memory module 104, account memory module 106, transfer processing module 108 and request receiving module 110 of assigning.
Assignment of credit treating apparatus in the present embodiment, its specific works principle is as follows:
Account memory module 106, has prestored the surplus assets number that each user ID is corresponding, such as obligee (assignment of credit people) user ID, debtor's user ID and the surplus assets number corresponding to assignee of the claim's user ID.Wherein surplus assets number is that each user can by operating the surplus assets number carrying out drawing, and can be such as user's remaining assets after bid or acquisition of debenture, generally, user can withdraw deposit in the scope of surplus assets.Account memory module 106 can also arrange authority, and different user can only inquire surplus assets number corresponding to the user ID of this user.
Credits memory module 104, prestores the debt information data that each credits mark is corresponding.Concrete, the corresponding debt information data of credits mark.Right of attribution information is contained in debt information data, such as can with the ownership of obligee's user ID mark credits.Debtor's information, debt amount, date information etc. can also be comprised in debt information data.Wherein debtor's information can be shown by debtor's user ID.Debt remaining total number after the debt total number that debt amount will be given back for debtor or the monthly payment plan of debtor's several times.Date information, according to different scene, can be the noninstallment date, also can be serial multiple date.In addition, in debt information data, debtor can also be recorded and to pay by instalments information, interest rate etc.Be appreciated that credits memory module 104 also can carry out rights management, only have obligee's user ID and user corresponding to debtor's user ID can inquire corresponding debt information data.
Transfer the possession of request receiving module 102, for receiving the assignment of credit request that obligee place terminal sends, wherein, specifying credits mark to be transferred the possession of in assignment of credit request and transferring the possession of the amount of money.Concrete, in the present embodiment, terminal can be personal computer, mobile phone, panel computer etc., each user place terminal operating client-side program corresponding with this device, this client-side program receives the operation of different user, thus submits different requests to this device.Obligee place terminal receives the operation that obligee carries out transferring the possession of, assignment of credit request is submitted to transfer request receiving module 102, in this request, specify credits mark to be transferred the possession of and transfer the possession of the amount of money, wherein transfer the possession of the amount of money to be arranged by obligee, can be without any restrictions, also can be restricted to debt amount, also may be limited in an interval that debt amount fluctuates.In the present embodiment, the time limit of the assignment of credit by this device default setting, such as, is 72 hours, and in other embodiments, the time limit of the assignment of credit can be arranged by obligee, is included in assignment of credit request, but this time limit can not be later than the last date that debt is closed.
Transfer processing module 108, for after transfer request receiving module 102 receives assignment of credit request, according to credits to be transferred the possession of mark, by the debt information data markers of correspondence for treating transfer state.Concrete, device in the present embodiment can will treat that the debt information data of transfer state are extracted and carry out store and management from credits memory module 104, the authority also corresponding change of its debt information data, all users can submit to the device in the present embodiment and ask and inquire the debt information data treating transfer state.
To assign request receiving module 110, for receiving the credits request of assigning that assignee of the claim place terminal sends.Concrete, also carry the credits mark of the debt information data treating transfer state in the credits request of assigning.Before assignee of the claim place terminal submits the credits request of assigning to this device, legally binding after submission request can being informed by client terminals to assignee of the claim.Client in assignee of the claim's terminal also can inquire about surplus assets number corresponding to assignee of the claim's user ID, if surplus assets number is not less than the transfer amount of money, just allows to submit request to.
Transfer processing module 106, after request receiving module 110 of assigning receives the credits request of assigning, that cancels debt information data treats transfer state, and the right of attribution information comprised in described debt information data is upgraded, and according to the surplus assets number transferred the possession of corresponding to amount of money amendment obligee user ID, assignee of the claim's user ID, and the liability data after upgrading is stored in credits memory module 104.Wherein, right of attribution information can be marked by obligee's user ID before transfer, after transfer, can be updated to assignee of the claim's user ID by transfer processing module 106.According to transferring the possession of surplus assets number corresponding to amount of money amendment obligee user ID, assignee of the claim's user ID, different computing method can be had under different application scene, such as when the device in the present embodiment freely manages the assignment of credit, surplus assets number corresponding for obligee's user ID can be increased and transfer the possession of the amount of money, surplus assets number corresponding for assignee of the claim's user ID is deducted the transfer amount of money.
Above-mentioned assignment of credit treating apparatus, after the assignment of credit request receiving the terminal transmission of obligee place, be state to be stored by debt information data markers corresponding for wherein credits mark, and when after the credits request of assigning receiving the terminal transmission of assignee of the claim place, that cancels debt information data treats transfer state, and the right of attribution information comprised in debt information data is upgraded, and according to transfer amount of money amendment obligee user ID, surplus assets number corresponding to assignee of the claim's user ID, thus complete the process of the assignment of credit, compared to relying on the process manually completing the assignment of credit in prior art, improve the gentle efficiency of Automated water of process.
See Fig. 2, in another embodiment, a kind of assignment of credit treating apparatus is provided.This device comprises transfers the possession of request receiving module 201, authentication module 202, credits memory module 203, account memory module 204, transfer processing module 205, request receiving module 207 of assigning.
Account memory module 204, has prestored the surplus assets number that each user ID is corresponding, such as obligee (assignment of credit people) user ID, debtor's user ID and the surplus assets number corresponding to assignee of the claim's user ID.Wherein surplus assets number is that each user can by operating the surplus assets number carrying out drawing, and can be such as user's remaining assets after bid or acquisition of debenture, generally, user can withdraw deposit in the scope of surplus assets.In the present embodiment, account memory module 204 can also arrange authority, and different user can only inquire surplus assets number corresponding to the user ID of this user.In the present embodiment, also stored for the surplus assets number that operation management account is corresponding in account memory module 204, this operation management account may be used for collecting certain expense to carrying out the assignment of credit between user.In addition, in one embodiment, operation management account can be set to give priority to purchasing the credits that obligee will transfer the possession of.
Credits memory module 203, prestores the debt information data that each credits mark is corresponding.Concrete, the corresponding debt information data of credits mark.Debt information data at least comprise obligee's user ID, debtor's user ID, debt amount and date information.Obligee's user ID indicates the right of attribution of credits.Debt remaining total number after the debt total number that debt amount will be given back for debtor or the monthly payment plan of debtor's several times.Date information, according to different scene, can be the noninstallment date, also can be serial multiple date.In addition, in debt information data, debtor can also be recorded and to pay by instalments information, interest rate etc.In the present embodiment, credits memory module 203 also can carry out rights management, only has obligee's user ID and user corresponding to debtor's user ID can inquire corresponding debt information data.
Transfer the possession of request receiving module 201, for receiving the assignment of credit request that obligee place terminal 21 sends, wherein, specifying credits mark to be transferred the possession of in assignment of credit request and transferring the possession of the amount of money.Concrete, in the present embodiment, obligee place terminal can be, but not limited to, into desktop computer terminal, in this desktop computer terminal, run the client-side program corresponding with the device in the present embodiment.Obligee place terminal 21 receives the operation that obligee carries out transferring the possession of, and submits assignment of credit request to transfer request receiving module 201, specifies credits mark to be transferred the possession of and transfer the possession of the amount of money in this request.
Authentication module 202, in the present embodiment, automatic Verification is carried out to assignment of credit request, if meet preset requirement, then the device of the present embodiment can by debt information data markers corresponding for credits mark in assignment of credit request for treating that transfer state processes, otherwise debt information data are not processed, can return not by the relevant information of checking to obligee place terminal simultaneously, resubmit assignment of credit request for obligee place terminal.Wherein said preset requirement can be preset cost requirement, authentication module 202 judges whether transfer the possession of the amount of money meets preset cost requirement compared with debt amount, concrete as transfer the possession of the amount of money whether equal with debt amount, transfer the possession of the amount of money and whether be in debt amount and fluctuate in millesimal interval etc.; Preset requirement also can be Preset Time requirement, authentication module 202 judges whether the time receiving assignment of credit request meets Preset Time requirement compared with date information, and whether the concrete time as received assignment of credit request be non-repayment date, receive the time of request whether at first 5 days of next repayment date or more etc.Preset requirement can also be the combination of preset cost requirement and Preset Time requirement, authentication module 202 judges that assignment of credit request meets preset cost simultaneously and will go and Preset Time requirement, then by checking, the debt information data of correspondence are processed, otherwise not by checking.In other embodiments, authentication module 202 not only can be audited automatically, can also provide the window of manual examination and verification, for the managerial personnel of this device after receiving the assignment of credit request that obligee place terminal sends, carries out manual examination and verification.
Transfer processing module 205, for after assignment of credit request is by checking, by debt information data markers corresponding for wherein credits mark for treating transfer state.Concrete, the transfer processing module 205 in the present embodiment comprises to be waited to transfer the possession of release unit 2051, time limit administrative unit 2052 and operation execution unit 2053.
Wait to transfer the possession of release unit 2051, for storing the debt information data being in and treating transfer state.Assignment of credit request is by after checking, the debt information data that wherein entrained credits mark is corresponding can be extracted, and be stored into wait transfer the possession of release unit 2051, its browse right also can correspondingly be changed, any user by terminal inquiry to these debt information data, can carry out follow-up credits for user and assigns.Cancelled when debt information data and treat transfer state, it can be deleted from waiting to transfer the possession of release unit 2051.
Time limit management unit 2052, for judging whether the device in the present embodiment receives the credits request of assigning within the default time limit.Concrete, time limit management unit 2052 manages the default time limit that each treats the debt information data of transfer state, this default time limit can be submitted to during assignment of credit request by obligee place terminal and be specified, and also can be set in advance as default value by device, such as, be 72 hours.The credits request of assigning is sent by assignee of the claim place terminal, and this terminal can be, but not limited to be mobile terminal 22, mobile terminal 22 has run and the client-side program corresponding to the present embodiment device.Before mobile terminal 22 sends the credits request of assigning to this device, backsight can be asked to be the information such as transfer completes to submitting to of assignee of the claim's announcement by client on mobile terminal 22, client-side program can also be automatically corresponding to assignee of the claim's user ID surplus assets number inquire about, allow to submit the credits requests of assigning to when its number is not less than and transfers the possession of the amount of money.
When time limit administrative unit 2052 judges that request receiving module 207 of assigning receives the credits request of assigning within the default time limit, what operation execution unit 2053 cancelled debt information data treats transfer state, and obligee's user ID is updated to assignee of the claim's user ID, by new debt information Data Update in credits memory module 203.Operation execution unit 2053 also needs the surplus assets number according to transferring the possession of corresponding to amount of money amendment obligee user ID, assignee of the claim's user ID, and the surplus assets number that amendment operation management account is corresponding.Such as, surplus assets number deduction corresponding to assignee of the claim's user ID can be transferred the possession of the amount of money by operation execution unit 2053, surplus assets number corresponding for operation management account is increased by the first amount of money number, wherein, first amount of money number is calculated (concrete as 2/1000ths of debt amount by the preset ratio of debt amount, but a minimum value can be set as 1 yuan), and the surplus assets number corresponding to obligee's user ID is increased by the second amount of money number, this second amount of money number is transfer the possession of the remainder deducting the first amount of money number in the amount of money.
When time limit administrative unit 2052 judged not receive the credits request of assigning within the default time limit.What operation execution unit 2053 cancelled debt information data treats transfer state, it is deleted from waiting to transfer the possession of release unit 2051.Obligee needs to resubmit assignment of credit request by terminal 21.
Assignment of credit treating apparatus in the present embodiment also comprises cancels request receiving module 206, cancel assignment of credit request for what receive that obligee place terminal 21 sends, cancel in assignment of credit request at this credits mark specifying and be in the debt information data treating transfer state.Time limit management unit 2052 is also for judging within the default time limit, and whether described device receives is cancelled assignment of credit request.That if so, then cancels that credits identify corresponding debt information data by operation execution unit 2053 treats transfer state.
Assignment of credit treating apparatus in the present embodiment also comprises refund information receiving module 208, for receiving the refund information of debtor, carries the credits mark and the refund amount of money that are in the debt information data treating transfer state in refund information.Refund information can be the automatic refund information of debtor, and also can be debtor's initiatively refund information, such as refund information can receive the operation of debtor by debtor place terminal 23 and send.Time limit management unit 2052, also for judging within the default time limit, whether the device in the present embodiment receives refund information, if, that then cancels debt information data by operation execution unit 2053 treats transfer state, and the debt amount revised in debt information data (deducts the refund amount of money, if debt amount is updated to 0 from original debt amount, then corresponding deletion debt information data), and the debt information data after upgrading are stored in credits memory module 203.Operation execution unit 2053 also can revise surplus assets number corresponding to obligee's user ID, debtor's user ID, surplus assets number corresponding for obligee's user ID is increased the refund amount of money, by surplus assets number corresponding for the debtor's user ID deduction refund amount of money.
See Fig. 3, provide a kind of assignment of credit disposal route in one embodiment.The method can be applied in the server in this banking network platform, wherein banking network platform can realize the assignment of credit function in the present invention, the functions such as other are are such as borrowed or lent money, bid can also be realized, do not limit at this, server can be single independently physical computer or be made up of distributed network computer.Method in the present embodiment comprises:
Step 302, prestores the surplus assets number that each user ID is corresponding, and stores debt information data corresponding to each credits mark.
Concrete, prestore the surplus assets number that each user ID is corresponding, such as obligee (assignment of credit people) user ID, debtor's user ID and the surplus assets number corresponding to assignee of the claim's user ID.Wherein surplus assets number is that each user can by operating the surplus assets number carrying out drawing, and can be such as user's remaining assets after bid or acquisition of debenture, generally, user can withdraw deposit in the scope of surplus assets.In the present embodiment, can also store the surplus assets number that operation management account is corresponding, this operation management account may be used for collecting certain expense to carrying out the assignment of credit between user.In addition, further, under a kind of embodiment, operation management account can give priority to purchasing the credits that obligee will transfer the possession of.
In the present embodiment, the corresponding debt information data of credits mark.Debt information data at least comprise obligee's user ID, debtor's user ID, debt amount and date information.Obligee's user ID indicates the right of attribution of credits.Debt remaining total number after the debt total number that debt amount will be given back for debtor or the monthly payment plan of debtor's several times.Date information, according to different scene, can be the noninstallment date, also can be serial multiple date.In addition, in debt information data, debtor can also be recorded and to pay by instalments information, interest rate etc.
Step 304, receives the assignment of credit request that obligee place terminal sends, and wherein, specifies credits mark to be transferred the possession of and transfer the possession of the amount of money in assignment of credit request.
Concrete, in the present embodiment, obligee place terminal can be, but not limited to, into desktop computer terminal, in this desktop computer terminal, run the client-side program corresponding with the device in the present embodiment.
In one embodiment, after the assignment of credit request receiving the terminal transmission of obligee place, automatic Verification is carried out to assignment of credit request, if meet preset requirement, can by debt information data markers corresponding for credits mark in assignment of credit request for treating that transfer state processes, otherwise debt information data are not processed, can return not by the relevant information of checking to obligee place terminal simultaneously, resubmit assignment of credit request for obligee place terminal.Wherein said preset requirement can be preset cost requirement, judge whether transfer the possession of the amount of money meets preset cost requirement compared with debt amount, concrete as transfer the possession of the amount of money whether equal with debt amount, transfer the possession of the amount of money and whether be in debt amount and fluctuate in millesimal interval etc.; Preset requirement also can be Preset Time requirement, judge whether the time receiving assignment of credit request meets Preset Time requirement compared with date information, whether the concrete time as received assignment of credit request be non-repayment date, receive the time of request whether at first 5 days of next repayment date or more etc.Preset requirement can also be the combination of preset cost requirement and Preset Time requirement, when judging that assignment of credit request meets preset cost and will go and Preset Time requirement simultaneously, then by checking, processes the debt information data of correspondence, otherwise not by checking.In other embodiments, not only automatically can audit, the window of manual examination and verification can also be provided, for managerial personnel after the assignment of credit request receiving the terminal transmission of obligee place, carry out manual examination and verification.
Step 306, according to credits to be transferred the possession of mark, by the debt information data markers of correspondence for treating transfer state.
Concrete, store and be in the debt information data treating transfer state, its browse right also can correspondingly be changed, and any user by terminal inquiry to these debt information data, can carry out follow-up credits for user and assign.
Step 308, receives the credits request of assigning that assignee of the claim place terminal sends.
Concrete, also carry the credits mark of the debt information data treating transfer state in the credits request of assigning.
Step 310, that cancels debt information data treats transfer state, and the right of attribution information comprised in debt information data is upgraded, and according to the surplus assets number transferred the possession of corresponding to amount of money amendment obligee user ID, assignee of the claim's user ID.
In one embodiment, can judge whether within the default time limit, receive the credits request of assigning, wherein presetting the time limit can be 72 hours etc., if, that then cancels debt information data treats transfer state, and obligee's user ID is updated to assignee of the claim's user ID, and according to the surplus assets number transferred the possession of corresponding to amount of money amendment obligee user ID, assignee of the claim's user ID, otherwise that cancels debt information data treats transfer state.
In one embodiment, this method can also comprise judging, within the default time limit, whether to receive and cancel assignment of credit request, is cancelling in the assignment of credit request credits mark specifying and be in the debt information data treating transfer state; That if so, then cancels debt information data treats transfer state; And judge, within the default time limit, whether to receive refund information, in refund information, carry the credits mark and the refund amount of money that are in the debt information data treating transfer state; That if so, cancels debt information data treats transfer state, and revises the debt amount in debt information data, and the surplus assets number that amendment obligee user ID, debtor's user ID are corresponding.
In one embodiment, after receive the credits request of assigning within the default time limit, according to transferring the possession of surplus assets number corresponding to amount of money amendment obligee user ID, assignee of the claim's user ID, and revise surplus assets number corresponding to operation management account.Its account form is:
Surplus assets number deduction corresponding to assignee of the claim's user ID is transferred the possession of the amount of money.
Surplus assets number corresponding for operation management account is increased by the first amount of money number, and wherein, the first amount of money number is calculated (specifically as 2/1000ths of debt amount, but can arrange a minimum value as 1 yuan) by the preset ratio of debt amount.
Surplus assets number corresponding to obligee's user ID is increased by the second amount of money number, and this second amount of money number is transfer the possession of the remainder deducting the first amount of money number in the amount of money.
The above embodiment only have expressed several embodiment of the present invention, and it describes comparatively concrete and detailed, but therefore can not be interpreted as the restriction to the scope of the claims of the present invention.It should be pointed out that for the person of ordinary skill of the art, without departing from the inventive concept of the premise, can also make some distortion and improvement, these all belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be as the criterion with claims.
Claims (10)
1. an assignment of credit treating apparatus, is characterized in that, described device comprises:
Transfer the possession of request receiving module, for receiving the assignment of credit request that obligee place terminal sends, specifying credits mark to be transferred the possession of in described assignment of credit request and transferring the possession of the amount of money;
Account memory module, for storing surplus assets number corresponding to each user ID;
Credits memory module, for storing debt information data corresponding to each credits mark;
Transfer processing module, after receiving described assignment of credit request at described device, according to credits described to be transferred the possession of mark, by the debt information data markers of correspondence for treating transfer state;
To assign request receiving module, for receiving the credits request of assigning that assignee of the claim place terminal sends;
Described transfer processing module, also for receive at described device described credits assign request after, that cancels described debt information data treats transfer state, and the right of attribution information comprised in described debt information data upgraded, and revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money.
2. device according to claim 1, is characterized in that, described debt information data at least comprise obligee's user ID, debtor's user ID, debt amount and date information;
Described device also comprises authentication module, described authentication module for judging whether the described transfer amount of money meets preset cost requirement compared with described debt amount, and/or
Judge whether the date receiving described assignment of credit request meets Preset Time requirement compared with described date information,
If meet described preset cost requirement and/or described Preset Time requirement, then by described transfer processing module by described debt information data markers for treating transfer state, otherwise described debt information data not to be processed.
3. device according to claim 2, is characterized in that, described transfer processing module comprises:
Wait to transfer the possession of release unit, for storing the debt information data being in and treating transfer state;
Time limit management unit, for judging whether described device receives the request of assigning of described credits within the default time limit;
Operation execution unit, for receive the request of assigning of described credits within the default time limit at described device after, that cancels described debt information data treats transfer state, and described obligee's user ID is updated to assignee of the claim's user ID, and revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money; And for not receiving the request of assigning of described credits at described device within the default time limit, that cancels described debt information data treats transfer shape.
4. device according to claim 3, is characterized in that, described device also comprises cancels request receiving module and refund information receiving module;
Describedly cancel request receiving module, cancel assignment of credit request for what receive that obligee place terminal sends, described in cancel in the assignment of credit request credits mark specifying and be in the debt information data treating transfer state;
Described refund information receiving module, for receiving the refund information that debtor place terminal sends, carries the credits mark and the refund amount of money that are in the debt information data treating transfer state in described refund information;
Described time limit management unit, also for judging, within the described default time limit, to cancel assignment of credit request described in whether described device receives;
Described operation execution unit, also for after cancelling assignment of credit request described in receiving at described device, that cancels described debt information data treats transfer state;
Described time limit management unit, also for judging, within the described default time limit, whether described device receives described refund information;
Described operation execution unit, also for after receiving described refund information at described device, that cancels described debt information data treats transfer state, and the debt amount revised in described debt information data, and the surplus assets number that amendment obligee user ID, debtor's user ID are corresponding.
5. the device according to claim 3 or 4, is characterized in that, described account memory module is also for storing surplus assets number corresponding to operation management account;
Described operation execution unit, for receive the request of assigning of described credits within the default time limit at described device after, the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID is revised according to the described transfer amount of money, and revise surplus assets number corresponding to described operation management account, comprising:
Described operation execution unit, for transferring the possession of the amount of money by the surplus assets number deduction corresponding to described assignee of the claim's user ID;
Described operation execution unit, for surplus assets number corresponding for described operation management account is increased by the first amount of money number, described first amount of money number is calculated by the preset ratio of described debt amount;
Described operation execution unit, for the surplus assets number corresponding to described obligee's user ID is increased by the second amount of money number, described second amount of money number is the part deducting described first amount of money number in the described transfer amount of money.
6. an assignment of credit disposal route, is characterized in that, described method comprises:
Receive the assignment of credit request that obligee place terminal sends, specify credits mark to be transferred the possession of in described assignment of credit request and transfer the possession of the amount of money;
Store the surplus assets number that each user ID is corresponding;
Store the debt information data that each credits mark is corresponding;
According to credits described to be transferred the possession of mark, by the debt information data markers of correspondence for treating transfer state;
Receive the credits request of assigning that assignee of the claim place terminal sends;
That cancels described debt information data treats transfer state, and the right of attribution information comprised in described debt information data upgraded, and revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money.
7. method according to claim 6, is characterized in that, described debt information data at least comprise obligee's user ID, debtor's user ID, debt amount and date information;
Described method also comprises:
Judge whether the described transfer amount of money meets preset cost requirement compared with described debt amount, and/or
Judge whether the date receiving described assignment of credit request meets Preset Time requirement compared with described date information,
If meet described preset cost requirement and/or described Preset Time requirement, then by described debt information data markers for treating transfer state, otherwise described debt information data not to be processed.
8. method according to claim 7, is characterized in that, described method also comprises:
Judge whether within the default time limit, receive the request of assigning of described credits;
If, that then cancels described debt information data treats transfer state, and described obligee's user ID is updated to assignee of the claim's user ID, and revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money; Otherwise that cancels described debt information data treats transfer state.
9. method according to claim 8, is characterized in that, described method also comprises:
Judge, within the described default time limit, whether to receive and cancel assignment of credit request, described in cancel in assignment of credit request specify be in the debt information data treating transfer state credits mark; That if so, then cancels described debt information data treats transfer state; And
Judge whether described device receives refund information within the described default time limit, in described refund information, carry the credits mark and the refund amount of money that are in the debt information data treating transfer state; That if so, cancels described debt information data treats transfer state, and revises the debt amount in described debt information data, and the surplus assets number that amendment obligee user ID, debtor's user ID are corresponding.
10. method according to claim 8 or claim 9, is characterized in that, described method also comprises and stores surplus assets number corresponding to operation management account;
Described method also comprises: receive the request of assigning of described credits within the described default time limit after, revise the surplus assets number corresponding to described obligee's user ID, assignee of the claim's user ID according to the described transfer amount of money, and revise surplus assets number corresponding to described operation management account; Comprise:
Surplus assets number deduction corresponding to described assignee of the claim's user ID is transferred the possession of the amount of money;
Surplus assets number corresponding for described operation management account is increased by the first amount of money number, and described first amount of money number is calculated by the preset ratio of described debt amount;
Surplus assets number corresponding to described obligee's user ID is increased by the second amount of money number, and described second amount of money number is the part deducting described first amount of money number in the described transfer amount of money.
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| CN201410138675.2A CN104978687A (en) | 2014-04-08 | 2014-04-08 | Creditor's rights transferring processing device and creditor's rights transferring processing method |
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| CN201410138675.2A CN104978687A (en) | 2014-04-08 | 2014-04-08 | Creditor's rights transferring processing device and creditor's rights transferring processing method |
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| CN106910128A (en) * | 2016-07-26 | 2017-06-30 | 阿里巴巴集团控股有限公司 | One kind cashes treating method and apparatus |
| CN107194812A (en) * | 2017-05-26 | 2017-09-22 | 中企云链（北京）金融信息服务有限公司 | The service system and its method of supplier's assignment of credit |
| CN107203942A (en) * | 2016-03-15 | 2017-09-26 | 平安科技（深圳）有限公司 | Insurance information processing method and system |
| CN108711104A (en) * | 2018-05-09 | 2018-10-26 | 北京磁云数字科技有限公司 | Physical assets information flow method, apparatus and equipment based on block chain |
| CN108765139A (en) * | 2018-06-01 | 2018-11-06 | 北京阿尔山金融科技有限公司 | Assignment of credit monitoring method and device |
| CN109615515A (en) * | 2018-12-05 | 2019-04-12 | 腾讯科技（深圳）有限公司 | Credits voucher transfer method, device, electronic equipment and storage medium |
| CN110288471A (en) * | 2019-05-27 | 2019-09-27 | 安徽海汇金融投资集团有限公司 | A kind of accounts receivable credits voucher (contract) circulation processing method and system |
| CN110827136A (en) * | 2019-11-15 | 2020-02-21 | 安徽海汇金融投资集团有限公司 | Account receivable and debt right voucher expiration processing system |
| CN110889758A (en) * | 2019-11-15 | 2020-03-17 | 安徽海汇金融投资集团有限公司 | Creditor right transfer system construction method and system |
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| CN111625708A (en) * | 2019-02-28 | 2020-09-04 | 百度在线网络技术（北京）有限公司 | Method, device and equipment for processing information of lost person and storage medium |
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| CN111667364A (en) * | 2019-03-07 | 2020-09-15 | 安徽海汇金融投资集团有限公司 | Receivable account and debt right transfer system and method based on regional chain |
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| CN105550932A (en) * | 2016-02-04 | 2016-05-04 | 北京领先创融网络科技有限公司 | Due-on-demand financial management method based on fixed time financial management creditor's right transfer and system |
| CN107203942A (en) * | 2016-03-15 | 2017-09-26 | 平安科技（深圳）有限公司 | Insurance information processing method and system |
| CN106910128A (en) * | 2016-07-26 | 2017-06-30 | 阿里巴巴集团控股有限公司 | One kind cashes treating method and apparatus |
| CN107194812A (en) * | 2017-05-26 | 2017-09-22 | 中企云链（北京）金融信息服务有限公司 | The service system and its method of supplier's assignment of credit |
| CN108711104A (en) * | 2018-05-09 | 2018-10-26 | 北京磁云数字科技有限公司 | Physical assets information flow method, apparatus and equipment based on block chain |
| CN108765139A (en) * | 2018-06-01 | 2018-11-06 | 北京阿尔山金融科技有限公司 | Assignment of credit monitoring method and device |
| CN109615515A (en) * | 2018-12-05 | 2019-04-12 | 腾讯科技（深圳）有限公司 | Credits voucher transfer method, device, electronic equipment and storage medium |
| CN111625708A (en) * | 2019-02-28 | 2020-09-04 | 百度在线网络技术（北京）有限公司 | Method, device and equipment for processing information of lost person and storage medium |
| CN111639996A (en) * | 2019-03-01 | 2020-09-08 | 安徽海汇金融投资集团有限公司 | Risk control method and system based on account receivable and debt right transfer |
| CN111667364A (en) * | 2019-03-07 | 2020-09-15 | 安徽海汇金融投资集团有限公司 | Receivable account and debt right transfer system and method based on regional chain |
| CN111667228A (en) * | 2019-03-07 | 2020-09-15 | 安徽海汇金融投资集团有限公司 | Civil-commercial dispute resolution system and method |
| CN111798014A (en) * | 2019-03-21 | 2020-10-20 | 安徽海汇金融投资集团有限公司 | Method and system for predicting account receivable and creditory transfer traffic |
| CN111798014B (en) * | 2019-03-21 | 2024-04-09 | 安徽海汇金融投资集团有限公司 | Method and system for predicting account receivable, credit and right circulation business volume |
| CN110288471A (en) * | 2019-05-27 | 2019-09-27 | 安徽海汇金融投资集团有限公司 | A kind of accounts receivable credits voucher (contract) circulation processing method and system |
| CN110889758A (en) * | 2019-11-15 | 2020-03-17 | 安徽海汇金融投资集团有限公司 | Creditor right transfer system construction method and system |
| CN110827136A (en) * | 2019-11-15 | 2020-02-21 | 安徽海汇金融投资集团有限公司 | Account receivable and debt right voucher expiration processing system |
| CN111178899A (en) * | 2020-04-10 | 2020-05-19 | 支付宝(杭州)信息技术有限公司 | Resource processing method and device and transaction processing method and device |
| CN112767147A (en) * | 2020-12-31 | 2021-05-07 | 山东数字能源交易中心有限公司 | Creditor right information processing method and device |
| CN112767147B (en) * | 2020-12-31 | 2023-03-28 | 山东数字能源交易有限公司 | Creditor right information processing method and device |
| CN112967143A (en) * | 2021-04-30 | 2021-06-15 | 平安普惠企业管理有限公司 | Credit data processing method and device, electronic equipment and storage medium |
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