CN107527283A - Internet finance debt-credit management system and its method - Google Patents
Internet finance debt-credit management system and its method Download PDFInfo
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- CN107527283A CN107527283A CN201710725198.3A CN201710725198A CN107527283A CN 107527283 A CN107527283 A CN 107527283A CN 201710725198 A CN201710725198 A CN 201710725198A CN 107527283 A CN107527283 A CN 107527283A
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Abstract
The invention provides a kind of internet finance debt-credit management system and method, belong to areas of information technology, the running that the electronics divided into by internet of the present invention finance debt-credit management system is opened an account with signing unit, electronic data memory cell and notarial office's routing inspection unit, finance debt-credit management method in internet of the present invention is fully applied in internet Financial Management, so that loan information evidence is saved from damage in time, and realize that online assign is notarized by force, reduce collection difficulty after borrowing.Meanwhile because by the promise breaking Data Enter third party's population information database for the creditor that breaks one's promise, adding the penalty cost for the creditor that breaks one's promise, certain deterrence can be produced, its active is promoted to refund.Therefore, during the present invention can effectively solve internet financial operation management, experience debt-credit is overdue, and the problem of difficult is disposed after loan, promotes internet Financial Management System Construction.
Description
Technical field
The invention belongs to areas of information technology, and in particular to a kind of internet finance debt-credit management system and its method.
Background technology
With internet finance emergence, easily the loan without territory restriction arise at the historic moment, the second borrow, the second to money turn into now
It is real.From the internet finance first year in 2014 to the internet financial supervision first year in 2016, internet financial industry is from initial open country
Rough formula increases, even running till now, easily breaks through 3,000,000,000,000 loan balances, and its development speed is far super to be once regarded as miracle
Electronic Business in China speed.But during the management of internet financial operation, when borrowing or lending money overdue, hardly possible is disposed after loan
Problem, it is still severe, hamper the development of internet financial circles.
In existing internet Financial Management system, when occurring, debt-credit is overdue, disposes being typically only capable to take tradition after loan
Mode, i.e., solved by the collection company of judicial approach or specialty, assets disposal company.Judicial approach needs cost longer
Time, cost of disposal is high, runs counter to creditor and wishes to obtain the legal original intention effectively solved in the short time, under rational cost；
Easily Concern Mafia relates to cruelly again in collection for collection company, assets disposal company, produces risk and bad legal consequence.
Therefore, internet financial industry urgently a set of effective management system and method, there is law by introducing
The online tax of accreditation qualification and authority and effectiveness is notarized by force, to promote collection after financial industry loan to work, while to the borrower that breaks one's promise
Increase its penalty cost, produce certain deterrence, promote its active to refund, so as to solve this problem.
The content of the invention
The present invention be in order to it is solving the above problems and carry out, and it is an object of the present invention to provide a kind of convenient and efficient, without territory restriction
Internet finance debt-credit management method.
The invention provides a kind of internet finance debt-credit management system, it is characterised in that including：
Electronics is opened an account and signing unit, and for implementing to include to set up account, real-name authentication, bank card binding, signing are handled
A variety of operations including lending and borrowing business；
Electronic data memory cell, opens an account with the electronics and is connected with signing unit, includes debtor's account for storing
A variety of data messages including information, lending and borrowing business information；
Notarial office's routing inspection unit, it is connected with the electronic data memory cell, for monitoring in real time, saving debt-credit data from damage.
Present invention also offers a kind of internet finance debt-credit management method, it is characterised in that with above-mentioned internet gold
Melt debt-credit management system to implement, comprise the following steps：
Step 1, account is set up, carries out real-name authentication, bank card binding；
Step 2, lending and borrowing business is handled in signing；
Step 3, loan information is notarized；
Step 4, apply performing certificate to notary organs；
Step 5, third party authoritative institution online service system is docked, submits and performs certificate to the third party's power having jurisdiction
Prestige mechanism, application are enforced；
Step 6, third party authoritative institution confirms that promise breaking is true, by debtor's typing third party's people information data of breaking a contract
Storehouse, and enforce refund.
Further, batch is concentrated to submit the execution certificate to the third party authoritative institution having jurisdiction.
Further, the third party authoritative institution is strange land third party authoritative institution.
In internet provided by the invention finance debt-credit management method, it can also have the feature that：The step 1
Middle real-name authentication is realized by the following method：
Step 1-1, debtor is in registration personally identifiable information；
Step 1-2, third party's population information database is docked, compare debtor's identity information；
Step 1-3, when debtor registration identity information it is consistent with data in third party's population information database, pass through reality
Name certification, otherwise not by return to step 1-1.
Further, the personally identifiable information includes video information, voice messaging.
In internet provided by the invention finance debt-credit management method, it can also have the feature that：The step 2
Lending and borrowing business is handled in middle signing, is realized especially by following methods：
Step 2-1, sign the personal reference information inquiry power of attorney, loan application book；
Step 2-2, dock third party individual's reference information database and third party's population information database, querying individual sign
Letter information, refunding overdue is performed record；
Step 2-3, according to Query Result, judge whether to ratify loan application, when loan application is not approved for, lending and borrowing business
Terminate；When loan application goes through, loan agreement is signed, and sign notarization credits document；
Step 2-4, loan agreement come into force, and make loans to the bank card account with internet finance debt-credit management system binding
Family, debt-credit transaction are completed.
Further, the loan agreement is electronic document.
Further, the sign or seal data of the loan agreement can not be peeled off with document data.
In internet provided by the invention finance debt-credit management method, it can also have the feature that：The step 3
Middle loan information notarization, is realized especially by following methods：
Step 3-1, notarial office's routing inspection unit carry out monitoring in real time to debt-credit data and notarization credits document information and saved from damage；
Step 3-2, notarial office's routing inspection unit monitoring save data from damage and submit notary organs, notarized.
Further, monitoring in real time is carried out to debt-credit data in the step 3-1 to save from damage, it is real especially by following methods
It is existing：
(1) lending and borrowing business information is generated into multiple summary info data, and be stored in electronic data memory cell；
(2) notarial office's routing inspection unit monitors in real time to electronic data memory cell, and extracted valid data is simultaneously subject to the time
The marking.
In internet provided by the invention finance debt-credit management method, it can also have the feature that：The step 4
Middle application performs certificate, is realized especially by following methods：
Step 4-1, verify debt-credit refund situation；
Step 4-2, overdue not refund, typing third party's population information database, and to notary organs' application perform card
Book；
Execution certificate is signed and issued by step 4-3, notary organs.
Advantages of the present invention is as follows：
The electronics divided into by internet of the present invention finance debt-credit management system is opened an account to be stored with signing unit, electronic data
The running of unit and notarial office's routing inspection unit, finance debt-credit management method in internet of the present invention is fully applied to interconnect
In net Financial Management so that loan information evidence is saved from damage in time, and realizes that online assign is notarized by force, and it is difficult to reduce collection after borrowing
Degree.Meanwhile because by the promise breaking Data Enter third party's population information database for the creditor that breaks one's promise, adding disobeying for the creditor that breaks one's promise
About cost, certain deterrence can be produced, promote its active to refund.Therefore, the present invention can effectively solve internet financial operation management
During, experience debt-credit is overdue, and the problem of difficult is disposed after loan, promotes internet Financial Management System Construction.
Brief description of the drawings
Fig. 1 is the flow chart of the internet finance debt-credit management method in the present invention.
Embodiment
In order that the technical means, the inventive features, the objects and the advantages of the present invention are easy to understand, it is real below
Example combination accompanying drawing is applied to be specifically addressed internet of the present invention finance debt-credit management system and its method.
Internet finance debt-credit management system, including：
Electronics is opened an account and signing unit, and for implementing to include to set up account, real-name authentication, bank card binding, signing are handled
A variety of operations including lending and borrowing business；
Electronic data memory cell, opens an account with the electronics and is connected with signing unit, includes debtor's account for storing
A variety of data messages including information, lending and borrowing business information；
Notarial office's routing inspection unit, it is connected with the electronic data memory cell, for monitoring in real time, saving debt-credit data from damage.
Internet finance debt-credit management method, by being carried out with internet finance debt-credit management system, specific bag
Include following 6 steps：
Step 1, account is set up, carries out real-name authentication, bank card binding.
Wherein, real-name authentication is realized by the following method：
Step 1-1, debtor is in registration personally identifiable information；
Step 1-2, third party's population information database is docked, compare debtor's identity information；
Step 1-3, when debtor registration identity information it is consistent with data in third party's population information database, pass through reality
Name certification, otherwise not by return to step 1-1.
In the present embodiment, personally identifiable information also includes video information, voice messaging.
Step 2, lending and borrowing business is handled in signing.
Wherein, signing is handled lending and borrowing business and realized especially by following methods：
Step 2-1, sign the personal reference information inquiry power of attorney, loan application book；
Step 2-2, dock third party individual's reference information database and third party's population information database, querying individual sign
Letter information, refunding overdue is performed record；
Step 2-3, according to Query Result, judge whether to ratify loan application, when loan application is not approved for, lending and borrowing business
Terminate；When loan application goes through, loan agreement is signed, and sign notarization credits document；
Step 2-4, loan agreement come into force, and make loans to the bank card account with internet finance debt-credit management system binding
Family, debt-credit transaction are completed.
In the present embodiment, loan agreement is electronic document.The sign or seal data of loan agreement can not with document data
Peel off.
Step 3, loan information is notarized.
Wherein, loan information notarization is realized especially by following methods：
Step 3-1, notarial office's routing inspection unit carry out monitoring in real time to debt-credit data and notarization credits document information and saved from damage；
Step 3-2, notarial office's routing inspection unit monitoring save data from damage and submit notary organs, notarized.
It is as follows that the method saved from damage is monitored in real time to debt-credit data progress：
(1) lending and borrowing business information is generated into multiple summary info data, and be stored in electronic data memory cell；
(2) notarial office's routing inspection unit monitors in real time to electronic data memory cell, and extracted valid data is simultaneously subject to the time
The marking.
Step 4, apply performing certificate to notary organs.
Wherein, application performs certificate and realized especially by following methods：
Step 4-1, verify debt-credit refund situation；
Step 4-2, overdue not refund, typing third party's population information database, and to notary organs' application perform card
Book；
Execution certificate is signed and issued by step 4-3, notary organs.
Step 5, third party authoritative institution online service system is docked, submits and performs certificate to the third party's power having jurisdiction
Prestige mechanism, application are enforced.
In the present embodiment, submitting for batch can be concentrated to perform certificate to the third party authoritative institution having jurisdiction.Third party
Authoritative institution can be strange land third party authoritative institution.
Step 6, third party authoritative institution confirms that promise breaking is true, by debtor's typing third party's people information data of breaking a contract
Storehouse, and enforce refund.
Embodiment described above is merely to illustrate the technological thought and feature of the present invention, in the art its object is to make
Technical staff can understand present disclosure and implement according to this, it is impossible to only with the present embodiment come limit the present invention patent model
Enclose.
Claims (12)
- A kind of 1. internet finance debt-credit management system, it is characterised in that including：Electronics is opened an account and signing unit, and for implementing to include to set up account, debt-credit is handled in real-name authentication, bank card binding, signing A variety of operations including business；Electronic data memory cell, with the electronics open an account with signing unit be connected, for store include debtor's accounts information, A variety of data messages including lending and borrowing business information；Notarial office's routing inspection unit, it is connected with the electronic data memory cell, for monitoring in real time, saving debt-credit data from damage.
- 2. a kind of internet finance debt-credit management method, it is characterised in that with the internet finance debt-credit described in claim 1 Management system is implemented, and comprises the following steps：Step 1, account is set up, carries out real-name authentication, bank card binding；Step 2, lending and borrowing business is handled in signing；Step 3, loan information is notarized；Step 4, apply performing certificate to notary organs；Step 5, third party authoritative institution online service system is docked, submits and performs certificate to the third party authority's machine having jurisdiction Structure, application are enforced；Step 6, third party authoritative institution confirms that promise breaking is true, by debtor's typing third party's population information database of breaking a contract, and Enforce and refund.
- 3. finance debt-credit management method in internet according to claim 2, it is characterised in that real name is recognized in the step 1 Card is realized by the following method：Step 1-1, debtor is in registration personally identifiable information；Step 1-2, third party's population information database is docked, compare debtor's identity information；Step 1-3, when debtor registration identity information it is consistent with data in third party's population information database, recognized by real name Card, otherwise not by return to step 1-1.
- 4. finance debt-credit management method in internet according to claim 3, it is characterised in that the personally identifiable information bag Include video information, voice messaging.
- 5. finance debt-credit management method in internet according to claim 2, it is characterised in that signing is done in the step 2 Lending and borrowing business is managed, is realized especially by following methods：Step 2-1, sign the personal reference information inquiry power of attorney, loan application book；Step 2-2, dock third party individual's reference information database and third party's population information database, querying individual reference letter Cease, refunding overdue is performed record；Step 2-3, according to Query Result, judge whether to ratify loan application, when loan application is not approved for, lending and borrowing business is whole Only；When loan application goes through, loan agreement is signed, and sign notarization credits document；Step 2-4, loan agreement come into force, and make loans to the bank card account with internet finance debt-credit management system binding, Debt-credit transaction is completed.
- 6. finance debt-credit management method in internet according to claim 2, it is characterised in that letter is borrowed or lent money in the step 3 Breath notarization, is realized especially by following methods：Step 3-1, notarial office's routing inspection unit carry out monitoring in real time to debt-credit data and notarization credits document information and saved from damage；Step 3-2, notarial office's routing inspection unit monitoring save data from damage and submit notary organs, notarized.
- 7. internet according to claim 6 finance debt-credit management method, it is characterised in that in the step 3-1 to by means of Borrow data and monitor in real time and save from damage, realized especially by following methods：(1) lending and borrowing business information is generated into multiple summary info data, and be stored in electronic data memory cell；(2) notarial office's routing inspection unit monitors in real time to electronic data memory cell, extracted valid data and the marking for being subject to the time.
- 8. finance debt-credit management method in internet according to claim 2, it is characterised in that application is held in the step 4 Row certificate, is realized especially by following methods：Step 4-1, verify debt-credit refund situation；Step 4-2, overdue not refund, typing third party's population information database, and apply to notary organs performing certificate；Execution certificate is signed and issued by step 4-3, notary organs.
- 9. finance debt-credit management method in internet according to claim 2, it is characterised in that concentrate batch to submit described hold Row certificate is to the third party authoritative institution having jurisdiction.
- 10. finance debt-credit management method in internet according to claim 2, it is characterised in that third party authority's machine Structure is strange land third party authoritative institution.
- 11. finance debt-credit management method in internet according to claim 5, it is characterised in that the loan agreement is electricity Subdocument.
- 12. finance debt-credit management method in internet according to claim 5, it is characterised in that the label of the loan agreement Word or data of affixing one's seal can not be peeled off with document data.
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| CN201710725198.3A CN107527283A (en) | 2017-08-22 | 2017-08-22 | Internet finance debt-credit management system and its method |
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Cited By (8)
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| CN108154372A (en) * | 2018-01-18 | 2018-06-12 | 北京网信云服信息科技有限公司 | A kind of account communications and liaison method and apparatus |
| CN108520318A (en) * | 2018-04-02 | 2018-09-11 | 深圳前海桔子信息技术有限公司 | A kind of method for safety monitoring, device, server and storage medium |
| CN109493038A (en) * | 2018-09-25 | 2019-03-19 | 法信公证云（厦门）科技有限公司 | A kind of front-end system and method for applying to financial industry and having pressure notarization function |
| CN109544412A (en) * | 2018-10-09 | 2019-03-29 | 重庆易保全网络科技有限公司 | Strong notarization method, apparatus, storage medium and equipment are assigned online |
| CN110392043A (en) * | 2019-06-21 | 2019-10-29 | 法信公证云（厦门）科技有限公司 | A kind of method and system for assigning electronic contract notarization and enforcing effect |
| CN110570085A (en) * | 2019-08-02 | 2019-12-13 | 杭州云证网络科技有限公司 | Internet financial loan management method |
| CN111080430A (en) * | 2018-10-22 | 2020-04-28 | 嘉兴市友贷金融信息服务有限公司 | Online notarization and testimony method for real estate lending |
| CN111861723A (en) * | 2020-07-29 | 2020-10-30 | 中国工商银行股份有限公司 | Processing method and device for network financing |
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| CN110392043A (en) * | 2019-06-21 | 2019-10-29 | 法信公证云（厦门）科技有限公司 | A kind of method and system for assigning electronic contract notarization and enforcing effect |
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| CN111861723A (en) * | 2020-07-29 | 2020-10-30 | 中国工商银行股份有限公司 | Processing method and device for network financing |
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