CN107633454A - A kind of personalized lending register system and method - Google Patents
A kind of personalized lending register system and method Download PDFInfo
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- CN107633454A CN107633454A CN201710712771.7A CN201710712771A CN107633454A CN 107633454 A CN107633454 A CN 107633454A CN 201710712771 A CN201710712771 A CN 201710712771A CN 107633454 A CN107633454 A CN 107633454A
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Abstract
The invention discloses a kind of personalized lending register system and method.The system includes at least two clients and at least one registration server；Described two clients are loaning bill side's client and lending side's client；The registration server, for borrowing money, refunding, honouring an agreement between at least two client, breaking a contract provides enrolled for service and data and supports.The system utilizes client and registration server, realizes the electronization of whole debt-credit registration, reduces the risk of borrow money promise breaking and legal dispute.The enrolled for service and data that registration server is provided are supported, are improved and legal, not only reduce debt-credit dispute, and try debt-credit dispute case for people's court and provide foundation.
Description
Technical field
The present invention relates to Internet technical field, more particularly to a kind of personalized lending register system and method.
Background technology
Personalized lending is divided into debt-credit, mortgage business between acquaintance and borrowed or lent money by between the non-acquaintance of the network platform, such as
P2P loan platforms, campus are borrowed, training is borrowed etc..Borrowing or lending money Chang Yin under traditional wire between acquaintance is acquaintance or lacks legal knowledge and lack
Proof etc. is refunded or paid off to loan contract, mortgage contract, contract of guaranty, loaning bill, or contract is lack of standardization, loss of learning, content
It is illegal, clause is invalid etc., either due to lacking, legal knowledge guaranty is unregistered or loanings bill side is maliciously to multiple acquaintances loaning bill
Situations such as to debtor and creditor and guarantee side bring loaning bill default risk and legal dispute.
With the development of Internet service industry, occurs the social loan platform based on social circle in society.Social activity debt-credit
Platform is information issue place, and information providing is borrower, and credit is assessment of the lender to borrower in its social circle.Borrow
Money request is to be initiated to include use of the loan, interest rate etc. by borrower, and social loan platform generally audits use of the loan and interest rate
Legitimacy and to user's real-name authentication, but the authenticity of social circle and actual borrower can not be audited.Social activity debt-credit is flat
Platform concludes electronic contract as intermediary and debtor and creditor.Because debtor and creditor is from beginning to end without meeting, debtor and creditor and borrow
The authenticity of money information can not ensure that loaning bill can not be hidden by mortgage and third party guarantees guarantee lending side's rights and interests, debtor and creditor
Private is exposed in social circle.Borrow money promise breaking or when playing dispute because defendant's identity is difficult to confirm, lacks witness, missing evidence, original
Defendant's cross-region etc. causes difficult file suit in people's court, case trial hardly possible, hard execution.
The content of the invention
In view of the above problems, it is proposed that the present invention so as to provide one kind overcome above mentioned problem or at least in part solve on
State a kind of personalized lending register system and method for problem.
In a first aspect, the embodiment of the present invention provides a kind of personalized lending register system, including at least two clients and extremely
A few registration server；
Described two clients are loaning bill side's client and lending side's client；
The registration server, for being borrowed money between at least two client, refunding, honouring an agreement, breaking a contract to provide and step on
Note service and data are supported.
In one embodiment, the registration server includes：
Acquisition module, the loaning bill registration request for including loaning bill information initiated for obtaining loaning bill side's client；
Authentication module, the loaning bill information for being got to the acquisition module carry out legitimate verification；
Forwarding module, for when the authentication module is verified, the request of borrowing money is forwarded to lending of specifying
Square client or multiple lending side's clients；
Receiving module, the request borrowed money for receiving at least one lending side's client to agree to, and described in reception at least
The loaning bill documentary evidence that one lending side's client uploads；
Registration Module, the loaning bill documentary evidence for the receiving module to be received register storage, and loaning bill side client
End mutually confirms that debt goes to the information of loaning bill side with lending side's client.
In one embodiment, the loaning bill information in the acquisition module, the loaning bill information in the acquisition module, including
Following information：
Borrowing balance, purposes, time limit, interest rate or interest, Late Payment Fee, penalty, loaning bill mode, commencement date and deadline, refund side
Formula；
Also include one or more of information：Lending side's account, guaranty, guarantee side.
In one embodiment, when the loaning bill information in the acquisition module includes guaranty information, the registration clothes
Device be engaged in also including determining module, generation module, reminding module；
The determining module, for determine the guaranty whether there is in it is registered also borrow money in and/or determine
Loaning bill side's client is with the presence or absence of related record of bad behavior；The related record of bad behavior is total for not borrowing money also for registration
Volume, promise breaking of borrowing money record, in phase amount guaranteed and promise breaking guarantee record
The generation module, for registered also being borrowed money when the determining module determines that the guaranty is present in
In, generation guaranty risk is reminded；
The reminding module, for sending the prompting of guaranty mortgaged to loaning bill side's client.
In one embodiment, the server also includes：Pushing module；
The pushing module, for when determining module determine the guaranty be present in it is registered also borrow money in, push away
The guaranty risk is sent to remind to lending side's client；It is additionally operable to when determining module determines that loaning bill side's client has phase
The record of bad behavior of pass, the related record of bad behavior is pushed to lending side's client.
In one embodiment, when the loaning bill information in the acquisition module includes guarantee side's information, the system is also
Including：The side's of guarantee client；
The forwarding module, specifically for when the authentication module is verified, the loaning bill registration request is forwarded
To guarantee side's client；
The receiving module, it is additionally operable to receive the request that the examination ＆ approval that guarantee side's client is sent pass through；
The forwarding module, the examination ＆ approval that the guarantee side's client for being additionally operable to be received according to the receiving module is sent pass through
Request, then the loaning bill registration request is forwarded to lending side's client.
In one embodiment, the registration server also includes：Determining module and pushing module；
The determining module, for determining loaning bill side's client and guarantee side's client with the presence or absence of related bad
Record；
The pushing module, for when determining module determines that loaning bill side's client has related record of bad behavior,
The related record of bad behavior of loaning bill side's client is pushed to the side's of guarantee client；
It is additionally operable to when determining module determines that loaning bill side's client and/or guarantee side's client have correlation not
During good record, the record of bad behavior of the side's of loaninging bill client and/or guarantee side's client correlation is pushed to lending side client
End；
The related record of bad behavior for registration do not go back aggregate level of borrowing, borrow money promise breaking record, phase amount guaranteed and disobey
About guarantee record.
In one embodiment, when the loaning bill information in the acquisition module includes guaranty and guarantee side's information, institute
Stating system includes guarantee side's client；The registration server also includes determining module, generation module, reminding module, push mould
Block；
The determining module, for determining that the guaranty whether there is in registered in also borrowing money, it is additionally operable to really
Fixed loaning bill side's client whether there is related record of bad behavior to guarantee side's client；
The generation module, for registered also being borrowed money when the determining module determines that the guaranty is present in
In, generation guaranty risk is reminded；
The reminding module, for sending the prompting of guaranty mortgaged to loaning bill side's client；
The pushing module, for when determining module determines that loaning bill side's client has related record of bad behavior,
Push the related record of bad behavior of loaning bill side's client and the guaranty risk is reminded to the side's of guarantee client；
It is additionally operable to when determining module determines that loaning bill side's client and/or guarantee side's client have correlation not
During good record, loaning bill side's client and/or the related record of bad behavior of guarantee side's client and the mortgage are pushed
Thing risk is reminded to lending side's client；
The related record of bad behavior for registration do not go back aggregate level of borrowing, borrow money promise breaking record, phase amount guaranteed and disobey
About guarantee record.
In one embodiment, the receiving module, it is additionally operable to reception lending side client transmission and acknowledges receipt of money request really；
And prove or pay off documentary evidence for receiving the loaning bill refund that loaning bill side's client uploads；
Registration Module, it is additionally operable to registration mark loaning bill and honours an agreement and register the loaning bill refund card for storing the receiving module reception
It is bright or pay off documentary evidence, and the registration side's of loaninging bill client and lending side's client mutually confirm that debt is given back in lending side's
Information.
In one embodiment, the Registration Module, it is additionally operable to when the loaning bill Fang Wei dates arranged as agreed and the amount of money
During refund, the information of borrow money promise breaking and the amount of money actually received is marked to be registered according to lending side's client；
The registration server also includes：Module is terminated, for confirming to receive when receiving module receives lending side's client
During the money amount of money, loaning bill registration request is terminated；Or mark the loaning bill registration request when receiving module receives lending side's client
When the loan contract state being related to is that law court tries and fills in docket, the loaning bill registration request is terminated.
In one embodiment, the registration server also includes：Download module is provided, for according to the acquisition module
The loaning bill information got, which provides, downloads following one or more contracts：Loan contract, mortgage contract and contract of guaranty；
It is additionally operable to receive the information acknowledged receipt of and included in money request really according to the receiving module, there is provided download and borrow money also
Money documentary evidence or loaning bill pay off documentary evidence.
In one embodiment, the registration server also includes：Register login module and check module；
The registration login module, for user's registration account and real-name authentication, fill in name, perfect instrument number and contact
Mode, and log in registration server；
It is described to check module, for checked after login all registrations related to this account contract and state, honour an agreement and
Promise breaking record, and new loaning bill registration request is initiated to other users.
Second aspect, the embodiment of the present invention provide a kind of personalized lending register method, and methods described is implemented using the present invention
The above-mentioned personalized lending register system that example provides realizes personalized lending registering flow path.
The beneficial effect of above-mentioned technical proposal provided in an embodiment of the present invention comprises at least：
Personalized lending register system provided in an embodiment of the present invention, using client and registration server, realization is entirely borrowed
The electronization of registration is borrowed, reduces the risk of borrow money promise breaking and legal dispute.The enrolled for service and data that registration server is provided
Support, improve and legal, not only reduce debt-credit dispute, and try debt-credit dispute case for people's court and provide foundation.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
Obtain it is clear that or being understood by implementing the present invention.The purpose of the present invention and other advantages can be by the explanations write
Specifically noted structure is realized and obtained in book, claims and accompanying drawing.
Below by drawings and examples, technical scheme is described in further detail.
Brief description of the drawings
Accompanying drawing is used for providing a further understanding of the present invention, and a part for constitution instruction, the reality with the present invention
Apply example to be used to explain the present invention together, be not construed as limiting the invention.In the accompanying drawings：
Fig. 1 is the integrated stand composition of personalized lending register system provided in an embodiment of the present invention；
Fig. 2 is the block diagram of registration server functional module provided in an embodiment of the present invention；
Fig. 3 is the timing diagram of registration loan contract flow provided in an embodiment of the present invention；
Fig. 4 is the block diagram of another registration server functional module provided in an embodiment of the present invention；
Fig. 5 is the schematic diagram that loan contract flow is registered when debtor and creditor provided in an embodiment of the present invention has guaranty；
Fig. 6 is the block diagram of another registration server functional module provided in an embodiment of the present invention；
Fig. 7 be it is provided in an embodiment of the present invention debt-credit, guarantee tripartite without guaranty when registration loan contract flow chart；
Fig. 8 is the block diagram of another registration server functional module provided in an embodiment of the present invention；
Registration loan contract flow chart when Fig. 9 is debt-credit provided in an embodiment of the present invention, guarantee tripartite has guaranty；
Figure 10 is the registering flow path figure of installment reimbursement as defined in loan contract provided in an embodiment of the present invention；
Figure 11 is the registering flow path figure of loan contract Expiration Date provided in an embodiment of the present invention；
Figure 12 provides the registering flow path figure after the promise breaking of loaning bill side for the embodiment of the present invention.
Embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although the disclosure is shown in accompanying drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
Limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
Completely it is communicated to those skilled in the art.
Shown in reference picture 1, personalized lending register system provided in an embodiment of the present invention, based on internet and intelligent terminal,
Traditional Folk is borrowed or lent money and generates and registers related loaning bill, refund, promise breaking, such as contract and proof on line, check loaning bill side etc.
Relevant information, the system include：At least two clients 11 and at least one registration server 12；
Client 11 can be loaning bill side's client and lending side's client；Wherein：The side's of loaning bill client can send and borrow
Money is asked, and uploads some documentary evidences；Lending side's client, for auditing borrow money request, documentary evidence, when agreeing to borrow money,
Upload other documentary evidences such as both sides' loan contract.Registration server 12, for the loaning bill between at least two clients, also
Money, honouring an agreement and breaking a contract provides enrolled for service and data support.
Above-mentioned loaning bill side's client and lending side's client, can be realized by polytype terminal, be referred to
Shown in Fig. 1, including it is various be installed on fixed terminal equipment or mobile terminal device, such as tablet personal computer, smart mobile phone or other
Various clients on portable equipment (such as wearable device).For example it is installed on software client or IE browser, hand on PC
APP or mobile phone (Wireless Application Protocol, wap) webpage installed on machine etc..The embodiment of the present disclosure pair
This is not limited.
Above-mentioned at least one registration server or registration platform server cluster；For example taken including front end gateway
Business device, core business server, Web server, backup server, database server and file server etc..This implementation
In example, registration platform server cluster can carry out parallel computation so as to obtain very high calculating speed using multiple computers,
Can also be backuped with multiple computers so that any one machine be broken whole system still can normal operation.Cluster
Single Point of Faliure quantity can be reduced by changing operation, and realize the high availability of clustered resource, realize load balancing.The disclosure
Embodiment is not limited the network connection between server, hardware configuration.
Personalized lending register system provided in an embodiment of the present invention, using client and registration server, realization is entirely borrowed
The electronization of registration is borrowed, reduces the risk of borrow money promise breaking and legal dispute.The enrolled for service and data that registration server is provided
Support, improve and legal, not only reduce debt-credit dispute, and try debt-credit dispute case for people's court and provide foundation.
Shown in reference picture 2, above-mentioned registration server 12, acquisition module 121 can be included, for obtaining loaning bill side's client
The loaning bill registration request for including loaning bill information initiated；
Authentication module 122, the loaning bill information for being got to above-mentioned acquisition module 121 carry out legitimate verification；
Forwarding module 123, for when above-mentioned authentication module 122 being verified, the loaning bill request being forwarded to and lent
Square client；
Receiving module 124, the request borrowed money for receiving lending side's client to agree to, and receive in lending side's client
The documentary evidence of biography；
Registration Module 125, for the documentary evidence of 124 pieces of receptions of the reception mould to be registered into storage, and loaning bill side visitor
Family end mutually confirms that debt goes to the information of loaning bill side with lending side's client.
In the present embodiment, the loaning bill enrolled for service of registration server offer is only related to, and only relates to borrow or lend money two sides, debt-credit is closed
System can be originated from completely under line, and then both sides are about scheduled on the registration server and registered；Can also originate from line completely
On, preliminary purpose is then reached on the registration server, both sides complete to audit under line, then complete to register on line.Reference picture 3
Shown, request of borrowing money is borrowed money from loaning bill side by the side's of loaning bill client to initiation on registration server platform asks, and fills in loaning bill
Information, registration server platform provides template and aids in the side's of loaning bill fill message, while audits the legitimacy of checking information.When testing
When card passes through, loaning bill request is forwarded to the lending side's client specified or multiple lending side's clients, shown in reference picture 3,
It is forwarded to the lending side's client specified.After the lending side's client specified receives the request, lending side can by examination ＆ verification
With refusal, can also agree to borrow money；If registration server platform receives the agreement request that specified lending side's client is sent, that
Loaning bill side can be to sign loan contract with lending side under line, lending side takes pictures or the loan contract under scan line or other proofs
File is uploaded to registration server platform.Registration server platform receives the loaning bill documentary evidence and registers storage, lending side's line
Under turn money to behind loaning bill side, registration both sides confirm that debt has turned to the information of loaning bill side on platform.So far, the registration server
Platform completes debt-credit or the registration of pawning house business between the acquaintance under line.If certain registration server platform is received to specify and lent
The request of refusal that square client is sent, then after loanings bill side is agreed to or directly ask to be forwarded to that others are multiple to lend by the loaning bill
Then square client, registration server platform can also receive the request that at least one lending side's client is agreed to borrow money, its
The process of registration is consistent with the flow of specified lending side registration as described above.The law text such as relevant contract of above-mentioned all debt-credits in addition
Part is stored in debt-credit each side in paper form.
In the present embodiment, the Loan Demand of loaning bill side, such as pawn industry can also be met by this registration server；
Can be borrowed or lent money between acquaintance and an online registration platform is provided, in addition can also between non-acquaintance but both sides have Loan Demand it
Between set up the bridge of communication, by registering electronization on loaning bill line, can effectively reduce risk and the legal dispute of debt-credit, borrow
Borrowing both sides can utilize loan contract of perfect, legal registration etc. to prove document when borrowing money promise breaking or playing dispute, carry out modus operand
Rule safeguards itself rights and interests.
In one embodiment, the loaning bill information in above-mentioned acquisition module 121 includes borrowing balance, purposes, time limit, interest rate
Or interest, Late Payment Fee, penalty, loaning bill mode, commencement date and deadline, mode of repayment；One or more of information can also be included：
Lending side's account, guaranty, guarantee side.Wherein borrow money mode, for example can select to be bank transfer, or cash, may be used yet
To be debt of other forms etc..Mode of repayment, if installment reimbursement, also need to fill in refund date and the amount of money.Lending side's account
Number, can select and fill out, such as Zhang San initiate borrow money request, in the request can include specify lending side be Li Si (such as：
Three and Li Si can be before registration, appointed, Zhang San to Li Si borrow money, Li Si agree to after, both sides the registration take
Registered in business.) account can not also be filled in；When extending this as Li Si, it is registered for server and audits that the request is legal to be met
Proof rule, for example ensure that (interest rate of personalized lending can be suitably above bank for the legitimacies of the information such as use of the loan and interest rate
Interest rate, but highest must not exceed four times of the similar loan interest rate of bank).The request is then gone into Li Si；Li Si is waited to send
Refusal or the request agreed to.Further, when Li Si refuses, it can also agree to through Zhang San or directly turn loaning bill request
It (for example can be that other prestige rankings were preferably once borrowed with Zhang San to be sent to the preferable lending side's client of other prestige rankings
Borrow or assure lending side's client of relation).After Li Si agrees to, one embodiment is referred to, it is complete shown in reference picture 3
Into enrollment process.
In one embodiment, shown in reference picture 2, above-mentioned registration server also includes providing download module 126, for root
The loaning bill information got according to the acquisition module 121, which provides, downloads following one or more contracts：Loan contract, mortgage contract
And contract of guaranty.The registration server can generate loan contract, mortgage contract, contract of guaranty and borrow according to default template
Documentary evidence etc. is refunded or paid off to money.The contract of the template generation, confirmed through lawyer, the ground of objective and fair, constrain both sides
Rights and duties, facilitate debtor and creditor or loaning bill side, lending side and guarantee side tripartite, eliminate self-defined draw up a contract
Trouble；Certain debtor and creditor or loaning bill side, lending side and guarantee side tripartite, and can be to be drawn up a contract under line without using the registration
The contract that server automatically generates, the embodiment of the present disclosure are not limited this.
In one embodiment, shown in reference picture 4, when the loaning bill information in above-mentioned acquisition module 121 is believed including guaranty
During breath, above-mentioned registration server also includes determining module 127, generation module 128, reminding module 129；
Wherein：Determining module 127, for determine above-mentioned guaranty whether there is in it is registered also borrow money in and/or
Determine loaning bill side's client with the presence or absence of related record of bad behavior；The related record of bad behavior of above-mentioned loaning bill side's client is to step on
Note does not go back aggregate level of borrowing, promise breaking record of borrowing money, in phase amount guaranteed and promise breaking guarantee record.
Generation module 128, for when above-mentioned determining module 127 determine guaranty be present in it is registered also borrow money in,
Guaranty risk is generated to remind；
Reminding module 129, for sending the prompting of guaranty mortgaged to above-mentioned loaning bill side's client.
In the present embodiment, for example, the side of loaning bill register with uniqueness guaranty (such as house property, real estate, forest, vehicle,
Equipment etc.) appear in other not yet overdue loan contracts that registration server is registered, or other kinds of guaranty goes out
In the not yet overdue loan contract of present this loaning bill user, then mortgaged is prompted to the loaning bill side, while generate one and support
Wagering risk is reminded.
Further, for example the registration server can also be reminded to loaning bill side：Above-mentioned all guarantys must be in government's phase
Pass department registers.The other registration server can suggest that party (such as loaning bill side) goes corresponding political affairs according to the property of guaranty
Guaranty is registered by mansion relevant departments.
Above-mentioned determining module 127, whether first can determine guaranty by secondary mortgage；Second can determine the loaning bill side
Whether there is record of bad behavior, for example also have other debts do not refunded, promise breaking refund record or loaning bill side once to provide load for others
Protect, or guarantee promise breaking etc..
In one embodiment, above-mentioned server also includes pushing module 130, for when determining module 127 determine it is above-mentioned
Guaranty be present in it is registered also borrow money in, push above-mentioned guaranty risk and remind to lending side's client；If this is borrowed
Related record of bad behavior, push record of bad behavior to lending side's client be present in money side's client.
It can be the active push of the acquisition of lending side's active inquiry or registration server in the present embodiment：Loaning bill Fang Ping
What platform was registered does not go back amount issued, promise breaking record of borrowing money, assures the information such as record in phase amount guaranteed, promise breaking, is reduced out so as to realize
Debit borrows money risk caused by loss of learning.Debtor and creditor can with line, on line verify identity, guaranty, contact method
Deng registering guaranty in responsible departments of the government, the privacy of each side protected by the system, and dispute promise breaking or plays borrowing money in each side
Perfect, legal Shi Liyong loan contract, mortgage contract, contract of guaranty etc. prove that document safeguards itself rights and interests with law.Together
When the data of registration server that provide of the present embodiment can also be that financial institution and financial regulator service.
When simply registering loaning bill request to debtor and creditor below, the loaning bill information includes guaranty information, illustrates：
Shown in the example reference picture 5 that one personalized lending registration is borrowed money, in this example, A is used as loaning bill side, B conducts
Lending side, and registration is finally completed on registration server.Registration server hereinafter referred to as platform：
The side of loaning bill A initiates loan application on platform, fill in borrowing balance, purposes, time limit, interest rate or interest, Late Payment Fee,
Penalty, loaning bill mode (bank transfer or cash etc.), commencement date and deadline, mode of repayment, lending side account B, when there is guaranty letter
During breath, mortgage contract is generated.Registration server platform provides template and aids in the side's of loaning bill fill message, it is ensured that use of the loan and profit
The legitimacy of the information such as rate.
After lending side B receives loaning bill request, loan contract, mortgage contract are audited on registration server platform, and check
What loaning bill side was registered on platform does not go back aggregate level of borrowing, promise breaking record of borrowing money, in phase amount guaranteed and promise breaking guarantee record, body
Part proof, contact method etc..If the guaranty (such as house property, real estate, forest, vehicle, equipment) with uniqueness appears in
In the not yet overdue loan contract registered in registration server platform, or there is use of borrowing money herein in other kinds of guaranty
In the not yet overdue loan contract at family, then registration server platform provides guaranty indicating risk.Examine and borrow under lending side's line
The identity information and contact method of money side.Lending side checks real guaranty.If lending side refuses contract loaning bill request
Terminate.Contract is printed if lending side agrees to, debtor and creditor signs loan agreement, mortgage contract, takes pictures or scan conjunction jointly
With and be uploaded to platform and put on record, lending side turns money to loaning bill side, and loaning bill side confirms to collect money on platform.When there is guaranty, then
Foundation《People's Republic of China's Assurance Law》42nd article and the 43rd rules and regulations are scheduled on responsible departments of the government and handle guaranty
Registration, while take pictures or scan registration documents and be uploaded to platform and put on record.So far loan contract completes registering flow path on platform.
In one embodiment, when the loaning bill information in the acquisition module 121 includes guarantee side's information, the system
Also include：The side's of guarantee client；
The forwarding module 123, specifically for when it is described checking 122 module verifications by when, by it is described borrow money registration please
Ask and be forwarded to guarantee side's client；
The receiving module 124, it is additionally operable to receive the request that the examination ＆ approval that guarantee side's client is sent pass through；
The forwarding module 123, the examination ＆ approval that the guarantee side's client for being additionally operable to be received according to the receiving module is sent
The request passed through, then the loaning bill registration request is forwarded to lending side's client.
In the present embodiment, when loaning bill information includes guarantee side's information, then need to fill in the information of contract of guaranty, that is, assure
The related guarantee that side is provided this loaning bill, ensure that scope includes loaning bill principal and interest, Late Payment Fee, penalty, damages and realization
Entire cost of credits etc..I.e.：After the loaning bill request that loaning bill side initiates is passed through by registration server examination ＆ verification, guarantee is first transmitted to
Square client examination ＆ verification.After the side's of guarantee client receives loaning bill request, loan contract and contract of guaranty, guarantee side are audited on platform
The request that examination ＆ approval pass through or the request refused can be sent, after examination ＆ approval pass through when guarantee side, registration server is borrowed above-mentioned again
Money registration request is forwarded to lending side's client.
In one embodiment, shown in reference picture 6, above-mentioned registration server also includes：Determining module 127 and pushing module
1271；
Above-mentioned determining module 127, for determining that it is related bad that the side's of loaninging bill client and guarantee side's client whether there is
Record；
Above-mentioned pushing module 1271, for determining that loaning bill side's client has related record of bad behavior when determining module 127
When, the related record of bad behavior of push loaning bill side's client to the side's of guarantee client；It is additionally operable to when determining module 127 determines above-mentioned borrow
Money side's client and guarantee side's client, in the presence of that side is in the presence of related record of bad behavior or, push to lending side
Client, confess debit's client references.Above-mentioned related record of bad behavior is to be registered not in this registration server database
Also aggregate level of borrowing, promise breaking of borrowing money record, in phase amount guaranteed and promise breaking guarantee record etc..
Or with above-described embodiment for example, when including guarantee side, tripartite is stepped on by following steps in personalized lending
Accounting server is registered：
Shown in reference picture 7, A is used as loaning bill side, and B is used as guarantee side as lending side, C, and finally on registration server
Complete registration.Registration server hereinafter referred to as platform：
After lending side B receives loaning bill request, loan contract is audited on platform, loaning bill side A is on registration server for examination
Registration does not go back aggregate level of borrowing, promise breaking record of borrowing money, in phase amount guaranteed and promise breaking guarantee record.Lending side B must also audit load
Guarantor's contract, examination guarantee side C registered on registration server do not go back aggregate level of borrowing, borrow money promise breaking record, phase amount guaranteed, with
And promise breaking guarantee record.Loaning bill side A and guarantee side C identity information and contact method are examined under lending side's B lines.If lending side
B refusal contracts, which are borrowed money, asks to terminate.Contract is printed if lending side B agrees to, debtor and creditor signs loan agreement jointly, with
The side of guarantee C must also sign contract of guaranty, take pictures or scan contract and be uploaded to platform and put on record, and lending side B turns money to loaning bill side A,
The side of loaning bill A confirms gathering on platform.So far loan contract completes registering flow path on platform.The relevant conjunction of above-mentioned all debt-credits
Equal legal document is stored in debt-credit (guarantee) each side in paper form.
In one embodiment, further, shown in reference picture 8, when the loaning bill information in above-mentioned acquisition module 121 simultaneously
During including guaranty with guarantee side's information, the system also includes guarantee side's client；Above-mentioned registration server also includes determining mould
Block 127, generation module 128, reminding module 129, pushing module 1271；
Above-mentioned determining module 127, for determining that above-mentioned guaranty whether there is in registered in also borrowing money, it is additionally operable to
Determine that above-mentioned loaning bill side's client whether there is related record of bad behavior to guarantee side's client；
Above-mentioned generation module 128, for when determining module 127 determine guaranty be present in it is registered also borrow money in,
Guaranty risk is generated to remind；
Above-mentioned reminding module 129, for sending the prompting of guaranty mortgaged to loaning bill side's client；
Above-mentioned pushing module 1271, for determining that loaning bill side's client has related record of bad behavior when determining module 127
When, push the related record of bad behavior of loaning bill side's client and guaranty risk is reminded to the side's of guarantee client；
It is additionally operable to when determining module 127 determines loaning bill side's client and guarantee side's client, no matter that side has correlation
Record of bad behavior when, push record of bad behavior and guaranty risk and remind to lending side's client；Above-mentioned related record of bad behavior
For what is registered in this registration server database aggregate level of borrowing, promise breaking record of borrowing money are not gone back, in phase amount guaranteed and promise breaking load
Protect record etc..
It is explained below by specific embodiment, or with above-described embodiment for example, the side of loaning bill A, lending side
B, it guarantee side C, when there is guaranty, the step of registration, can refer to shown in Fig. 9, registration server hereinafter referred to as platform, have
Body realizes step：
First, request of borrowing money is initiated by loaning bill side A by the side's of loaning bill client on registration server, fills in loaning bill information.
Including filling in guaranty information, guarantee information.Platform provides template and aids in the side's of loaning bill fill message, while the conjunction of msu message
Method.When the guaranty filled in and be present on this registration server it is registered also borrow money in, then to the side of loaninging bill prompt
Mortgaged.
2nd, loaning bill request of the registration server to loaning bill side is verified, after being verified, loaning bill request is first sent to
Examine guarantee side.Guarantee side logs in registration server by the side's of guarantee client and audits loan contract, mortgage contract, load on line
Guarantor's contract, and loaning bill side registered on registration server do not go back aggregate level of borrowing, promise breaking record of borrowing money, in phase amount guaranteed and
Promise breaking guarantee record, proof of identification, contact method etc..Guaranty is checked under the side's of guarantee line.When guarantee side passes through the side of guarantee client
When end sends examination ＆ approval by loaning bill request, then loaning bill request is gone to lending side by registration server, registration failure of otherwise borrowing money.
3rd, lending side receive loaning bill request after, online audit loan contract, mortgage contract, contract of guaranty, and the side of loaninging bill with
What guarantee side was registered on registration server respectively does not go back aggregate level of borrowing, promise breaking record of borrowing money, in phase amount guaranteed and promise breaking load
Protect record, proof of identification, contact method etc..Guaranty is checked under lending side's line.When lending side is sent by lending side's client
Examination ＆ approval by borrow money request when, then debtor and creditor can download, printing contract, registration failure of otherwise borrowing money.
4th, loan contract, mortgage contract, and foundation are signed under debtor and creditor line《People's Republic of China's Assurance Law》4th
12 articles and the 43rd rules and regulations are scheduled on responsible departments of the government and handle guaranty registration.And together with guarantee side, tripartite signs
Contract of guaranty.Lending side takes pictures or the loan contract under scan line, mortgage contract, contract of guaranty and is uploaded to registration server.
Turn money under lending side's line to behind loaning bill side, both sides confirm that debt has turned to loaning bill side on registration server.
In the present embodiment, between acquaintance under traditional wire or exemplified by pawning house, personalized lending behavior is realized on platform line
Registration is in case party inquires about.The platform can generate perfect, legal loan contract, mortgage contract, contract of guaranty, and provide
Download, printing, the rights and interests of laws and regulations protection debtor and creditor can be made full use of.The similarly relevant contract of above-mentioned all debt-credits
Debt-credit (guarantee) each side is stored in paper form Deng legal document.
In one embodiment, above-mentioned receiving module 124, be additionally operable to receive lending side client send acknowledge receipt of money really please
Ask；And prove or pay off documentary evidence for receiving the loaning bill refund that loaning bill side's client uploads；
Registration Module 125, it is additionally operable to registration mark loaning bill and honours an agreement and register the loaning bill refund that storage receiving module 124 receives
Documentary evidence is proved or pays off, and registration loaning bill side's client mutually confirms that debt is given back in lending side with lending side's client
Information.
In one embodiment, shown in reference picture 2, above-mentioned registration server also includes providing download module 126, is additionally operable to
The information acknowledged receipt of and included in money request really is received according to receiving module 124, there is provided download loaning bill refund documentary evidence or borrow
Money pays off documentary evidence.The registration server can be borrowed money according to default template and refund or pay off documentary evidence etc..It is automatic raw
Into above-mentioned documentary evidence template, be also all to confirm through lawyer, the ground of objective and fair, constrain the rights and duties of both sides, side
Debtor and creditor or loaning bill side, lending side and guarantee side tripartite, eliminate the self-defined trouble for drafting documentary evidence；Certainly borrow
Borrow both sides or loaning bill side, lending side and guarantee side tripartite, and can be to draft documentary evidence under line without using the registration server
The documentary evidence automatically generated, the embodiment of the present disclosure are not limited this.
Under traditional wire between acquaintance or pawning house personalized lending refund behavior, can also be realized by platform on line register with
Standby party inquires about.Loaning bill can be generated on platform to refund or pay off proof, and download, printing are provided.Below registration server
Abbreviation platform, it is different according to mode of repayment, it is divided into two kinds of situations：
1st, shown in reference picture 10, if being about set to installment reimbursement in loan contract, under the repayment date loaning bill side A of agreement
Carry, printing is borrowed money to refund and proved, and turns money to lending side.After lending side confirms collection amount, confirm to collect money and mark on platform
Note loaning bill is honoured an agreement, and signing to borrow money to refund under debtor and creditor and guarantee side's line proves.Loaning bill side take pictures or scan line under loaning bill also
Money proves and is uploaded to platform.Work as installment reimbursement, when loaning bill Fang Wei refunds or do not refunded in full amount, lending side can be in platform subscript
Be designated as the loaning bill request promise breaking of the registration, and mark the promise breaking amount of money, at the same the repayment amount generation that both sides are had confirmed that borrow money,
Refunding proves, both sides' printing, signing prove, loaning bill side, which takes pictures/scanned, uploads the proof.
2nd, shown in reference picture 11, in the loaning bill Expiration Date of loan contract agreement, loaning bill side downloads, printing loaning bill pays off card
It is bright, and turn money to lending side.Loaning bill side, which will be paid off, proves and is uploaded to platform.So far debtor and creditor has been smoothly completed on platform
The loan contract of registration.In the loaning bill Expiration Date of loan contract agreement, when loaning bill Fang Wei refunds or do not refunded in full amount, lending side can
Promise breaking is asked for the loaning bill of registration to be marked on platform, and marks the promise breaking amount of money, while the refund that both sides are had confirmed that
Amount of money generation is borrowed money, refunding proves, both sides' printing, signing prove, loaning bill side, which takes pictures/scanned, uploads the proof.
In one embodiment, shown in reference picture 2,4,6,8, above-mentioned Registration Module 125, be additionally operable to when loaning bill Fang Wei according to
When the date of contract engagement and the amount of money are refunded, the information of borrow money promise breaking and the amount of money actually received is marked according to lending side's client
Registered；
Registration server also includes：Module 1251 is terminated, for confirming when receiving module 124 receives lending side's client
During collection amount, or the documentary evidence of paying off of loaning bill side's client upload is received, after the confirmation of lending side's client, termination is borrowed
Money registration request；Or closed when receiving module 124 receives the loaning bill that lending side's client marks the loaning bill registration request to be related to
When being tried with state for law court and filling in docket, the loaning bill registration request is terminated.
Refunded when the loaning bill Fang Wei dates arranged as agreed and the amount of money, lending side marks loaning bill promise breaking and reality on platform
The amount of money that border receives.Shown in reference picture 12, the registering flow path figure after the promise breaking of loaning bill side, loaning bill side's promise breaking three kinds of feelings of loan contract point
Condition：
1., loaning bill side arrange to clear off principal and interest, Late Payment Fee, penalty etc. as agreed, loaning bill side is downloaded, printing loaning bill is paid off
Prove, and turn money to lending side.After lending side confirms collection amount, confirm to collect money on platform and mark loaning bill to clear off, borrow or lend money
Loaning bill is signed under both sides and guarantee side's line and pays off proof.Loaning bill side take pictures or scan line under loaning bill pay off prove and be uploaded to flat
Platform.So far platform terminates the registration of this loan contract.
2., the amount of money after loaning bill side is consulted by debtor and creditor turns money to lending side, and downloads, prints loaning bill and pay off proof.
After lending side confirms collection amount, confirm to collect money on platform and mark loaning bill to clear off, signed under debtor and creditor and guarantee side's line
Loaning bill pays off proof.Loaning bill side take pictures or scan line under loaning bill pay off and prove and be uploaded to platform.So far platform terminates this and borrowed
The registration of money contract.
3., the guaranty of lending side's lawsuit to people's court or loaning bill side auctioned in people's court, lending side is in platform
Upper this loan contract state of mark is that law court tries and fills in docket.So far platform terminates the registration of this loan contract.
In one embodiment, shown in reference picture 2,4,8, above-mentioned registration server also includes：Register the He of login module 120
Check module 1201；
Above-mentioned registration login module 120, for user's registration account and real-name authentication, fill in name, perfect instrument number and
Contact method, and log in registration server；
It is above-mentioned to check module 1201, for checked after login all registrations related to this account contract and state, disobey
About record, and new loaning bill registration request is initiated to other users.
Login module 120 is registered, for example can be used for managing the registration of user, activation, log in, give password for change, remember account
Number and individual center (the various personal information of user are such as name, identification card number, contact method etc.) function.
Module is checked, can use a variety of exhibition methods, such as nearest one week, nearest January or most are shown according to time shaft
Contract and state, the promise breaking record of all registrations related to this account of nearly 1 year, and initiate new borrow to other users
Money registration request.Above-mentioned example be borrow money, refund, several examples for being analyzed of promise breaking, in the specific implementation, can be with
Data based on history registration are counted, analyzed, there is provided the registration data of all kinds each period, make lending side abundant
Understand the side of loaninging bill, the relevant information of guarantee side, reduction lending side borrows money risk caused by loss of learning.
The embodiment of the present invention additionally provides a kind of personalized lending register method, and this method uses provided in an embodiment of the present invention
Above-mentioned personalized lending register system carries out personalized lending registration.
Based on same inventive concept, the embodiment of the present invention additionally provides above-mentioned personalized lending register method, due to this method
The principle of solved problem is similar to foregoing personalized lending register system, therefore the implementation of this method may refer to preceding method
Implement, repeat part and repeat no more.
It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more
The shape for the computer program product that usable storage medium is implemented on (including but is not limited to magnetic disk storage and optical memory etc.)
Formula.
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram
Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
The processors of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
Obviously, those skilled in the art can carry out the essence of various changes and modification without departing from the present invention to the present invention
God and scope.So, if these modifications and variations of the present invention belong to the scope of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to comprising including these changes and modification.
Claims (11)
1. a kind of personalized lending register system, it is characterised in that including at least two clients and at least one registration server；
Described two clients are loaning bill side's client and lending side's client；
The registration server, for borrowed money between at least two client, refund, honour an agreement, break a contract provide registration clothes
Business and data are supported.
2. personalized lending register system as claimed in claim 1, it is characterised in that the registration server includes：
Acquisition module, the loaning bill registration request for including loaning bill information initiated for obtaining loaning bill side's client；
Authentication module, the loaning bill information for being got to the acquisition module carry out legitimate verification；
Forwarding module, for when the authentication module is verified, the request of borrowing money to be forwarded to the lending side visitor specified
Family end or multiple lending side's clients；
Receiving module, the request borrowed money for receiving at least one lending side's client to agree to, and receive described at least one
The loaning bill documentary evidence that lending side's client uploads；
Registration Module, storage is registered for the loaning bill documentary evidence that receives the receiving module, and the side's of loaninging bill client and
Lending side's client mutually confirms that debt goes to the information of loaning bill side；
Loaning bill information in the acquisition module, including following information：
Borrowing balance, purposes, time limit, interest rate or interest, Late Payment Fee, penalty, loaning bill mode, commencement date and deadline, mode of repayment；
Also include one or more of information：Lending side's account, guaranty, guarantee side.
3. personalized lending register system as claimed in claim 2, it is characterised in that when the loaning bill information in the acquisition module
During including guaranty information, the registration server also includes determining module, generation module, reminding module；
The determining module, for determining that the guaranty whether there is in registered in also borrowing money and/or described in determination
The side's of loaning bill client is with the presence or absence of related record of bad behavior；The related record of bad behavior does not go back aggregate level of borrowing, borrowed for registration
Money promise breaking records, in phase amount guaranteed and promise breaking guarantee record；
The generation module, it is raw for when the determining module, to determine that the guaranty is present in registered in also borrowing money
Reminded into guaranty risk；
The reminding module, for sending the prompting of guaranty mortgaged to loaning bill side's client.
4. personalized lending register system as claimed in claim 3, it is characterised in that the server also includes：Pushing module；
The pushing module, for when determining module determine the guaranty be present in it is registered also borrow money in, push institute
Guaranty risk is stated to remind to lending side's client；It is additionally operable to when determining module determines that loaning bill side's client has correlation
Record of bad behavior, the related record of bad behavior is pushed to lending side's client.
5. personalized lending register system as claimed in claim 2, it is characterised in that when the loaning bill information in the acquisition module
During including guarantee side's information, the system also includes：The side's of guarantee client；
The forwarding module, specifically for when the authentication module is verified, the loaning bill registration request is forwarded into load
The side's of guarantor client；
The receiving module, it is additionally operable to receive the request that the examination ＆ approval that guarantee side's client is sent pass through；
The forwarding module, what the examination ＆ approval that the guarantee side's client for being additionally operable to be received according to the receiving module is sent passed through asks
Ask, then the loaning bill registration request is forwarded to lending side's client.
6. personalized lending register system as claimed in claim 5, it is characterised in that the registration server also includes：It is determined that
Module and pushing module；
The determining module, for determining that loaning bill side's client whether there is related bad note to guarantee side's client
Record；
The pushing module, for when determining module determines that loaning bill side's client has related record of bad behavior, pushing
The related record of bad behavior of loaning bill side's client is to the side's of guarantee client；
It is additionally operable to when determining module determines that loaning bill side's client and/or guarantee side's client have related bad note
During record, the record of bad behavior of the side's of loaninging bill client and/or guarantee side's client correlation is pushed to lending side's client；
The related record of bad behavior does not go back aggregate level of borrowing, promise breaking record of borrowing money, in phase amount guaranteed and promise breaking load for registration
Protect record.
7. personalized lending register system as claimed in claim 2, it is characterised in that when the loaning bill information in the acquisition module
During including guaranty with guarantee side's information, the system includes guarantee side's client；The registration server also includes determining mould
Block, generation module, reminding module, pushing module；
The determining module, for determining that the guaranty whether there is in registered in also borrowing money, it is additionally operable to determine institute
State loaning bill side's client and whether there is related record of bad behavior to guarantee side's client；
The generation module, it is raw for when the determining module, to determine that the guaranty is present in registered in also borrowing money
Reminded into guaranty risk；
The reminding module, for sending the prompting of guaranty mortgaged to loaning bill side's client；
The pushing module, for when determining module determines that loaning bill side's client has related record of bad behavior, pushing
The related record of bad behavior of loaning bill side's client and the guaranty risk are reminded to the side's of guarantee client；
It is additionally operable to when determining module determines that loaning bill side's client and/or guarantee side's client have related bad note
During record, loaning bill side's client and/or the related record of bad behavior of guarantee side's client and the guaranty wind are pushed
Remind to lending side's client danger；
The related record of bad behavior does not go back aggregate level of borrowing, promise breaking record of borrowing money, in phase amount guaranteed and promise breaking load for registration
Protect record.
8. the personalized lending register system as described in claim any one of 2-7, it is characterised in that the receiving module, also use
Money request is acknowledged receipt of really in receiving the transmission of lending side's client；And the loaning bill refund card uploaded for receiving loaning bill side's client
It is bright or pay off documentary evidence；
Registration Module, be additionally operable to registration mark borrow money honour an agreement and register store the loaning bill that the receiving module receives refund proof or
Documentary evidence is paid off, and registration loaning bill side's client mutually confirms that debt gives back the letter in lending side with lending side's client
Breath.
9. personalized lending register system as claimed in claim 8, it is characterised in that the Registration Module, be additionally operable to when loaning bill
When the date and the amount of money that Fang Wei arranges as agreed refund, the gold for borrowing money and breaking a contract and actually receiving is marked according to lending side's client
The information of volume is registered；
The registration server also includes：Module is terminated, for confirming gathering gold when receiving module receives lending side's client
During volume, loaning bill registration request is terminated；Or the loaning bill registration request is marked to be related to when receiving module receives lending side's client
Loan contract state for law court try and fill in docket when, terminate the loaning bill registration request.
10. personalized lending register system as claimed in claim 8, it is characterised in that the registration server also includes：There is provided
Download module, the loaning bill information for being got according to the acquisition module, which provides, downloads following one or more contracts：Borrow money
Contract, mortgage contract and contract of guaranty；
It is additionally operable to receive the information acknowledged receipt of and included in money request really according to the receiving module, there is provided download card of refunding of borrowing money
Prescribed paper or loaning bill pay off documentary evidence.
11. a kind of personalized lending register method, it is characterised in that methods described is used as described in claim any one of 1-10
Personalized lending register system realizes the flow of personalized lending registration.
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| CN201710712771.7A CN107633454A (en) | 2017-08-18 | 2017-08-18 | A kind of personalized lending register system and method |
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| CN201710712771.7A CN107633454A (en) | 2017-08-18 | 2017-08-18 | A kind of personalized lending register system and method |
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| CN108416665A (en) * | 2018-02-07 | 2018-08-17 | 平安普惠企业管理有限公司 | Data interactive method, device, computer equipment and storage medium |
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| CN109035000A (en) * | 2018-06-15 | 2018-12-18 | 杭州复杂美科技有限公司 | A kind of loan secured method and system, equipment and storage medium based on block chain |
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| CN109166027A (en) * | 2018-07-02 | 2019-01-08 | 阿里巴巴集团控股有限公司 | A kind of loaning bill contract processing method and processing device |
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| CN108416665A (en) * | 2018-02-07 | 2018-08-17 | 平安普惠企业管理有限公司 | Data interactive method, device, computer equipment and storage medium |
| CN108416665B (en) * | 2018-02-07 | 2020-08-04 | 平安普惠企业管理有限公司 | Data interaction method and device, computer equipment and storage medium |
| CN108460575A (en) * | 2018-02-27 | 2018-08-28 | 平安信托有限责任公司 | A kind of written document generation method, device, terminal device and storage medium |
| CN108460575B (en) * | 2018-02-27 | 2021-06-25 | 平安信托有限责任公司 | Written document generation method and device, terminal equipment and storage medium |
| CN109035000A (en) * | 2018-06-15 | 2018-12-18 | 杭州复杂美科技有限公司 | A kind of loan secured method and system, equipment and storage medium based on block chain |
| CN109166027A (en) * | 2018-07-02 | 2019-01-08 | 阿里巴巴集团控股有限公司 | A kind of loaning bill contract processing method and processing device |
| CN110689420A (en) * | 2018-07-04 | 2020-01-14 | 深圳市万友城信息科技有限公司 | Honesty bill operating system |
| CN109146674A (en) * | 2018-09-20 | 2019-01-04 | 新疆玖富万卡信息技术有限公司 | A kind of method and system of Dynamic Matching loaning bill platform fund |
| CN109493074A (en) * | 2018-10-29 | 2019-03-19 | 平安科技（深圳）有限公司 | Bookkeeping methods, device, equipment and medium based on instant messaging |
| 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 |
| CN110503393A (en) * | 2019-08-21 | 2019-11-26 | 新疆丝路大道信息科技有限责任公司 | Electronic contract management method, system and electronic equipment for automobile leasing platform |
| CN111222977A (en) * | 2019-12-20 | 2020-06-02 | 上海淇玥信息技术有限公司 | Method and device for forwarding user information based on resource configuration rule and electronic equipment |
| CN112184418A (en) * | 2020-09-25 | 2021-01-05 | 中国建设银行股份有限公司 | Inter-company loan processing method, inter-company loan processing device, computer equipment and storage medium |
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Application publication date: 20180126 |