CN112102067A

CN112102067A - Internet financial management method, system, device and medium

Info

Publication number: CN112102067A
Application number: CN202010962022.1A
Authority: CN
Inventors: 周曦; 姚志强; 陈琳; 俞晓臣; 焦阳
Original assignee: Beijing Yuncong Technology Co ltd
Current assignee: Beijing Yuncong Technology Co ltd
Priority date: 2020-09-14
Filing date: 2020-09-14
Publication date: 2020-12-18

Abstract

The invention provides an internet financial management method, a system, equipment and a medium, wherein the method comprises the following steps: obtaining a loan service request from a network platform; the financial information management platform audits the loan service request and determines whether to loan or not and a corresponding loan amount according to the audit result; if the verification is passed, the financial information management platform issues the corresponding loan of the financial institution to a loan service requester through the network platform; and generating service data required by the management of the financial institution according to the loan service accounting and batch repayment information of the loan service. The invention utilizes the network platform to release the financial information management platform, gets rid of the awkward situation that the financial institution customer source can only limit the local, and on one hand, expands the customer source; on the other hand, the range of potential customers is expanded, and the quantity of customers is effectively increased; the method opens up a new profit growth point for the loan service of financial institutions, and can realize the win-win situation of banks, micro-loan institutions, small enterprises and low-income crowds.

Description

Internet financial management method, system, device and medium

Technical Field

The invention relates to the field of internet finance, in particular to an internet finance management method, system, equipment and medium.

Background

With the rapid development of internet finance today, online loan service has become a great trend, and each large commercial bank successively launches respective internet finance management products from 15 years, such as bank E loan of middle lines, fast loan of building lines and lightning loan of recruiting lines. The nationally owned banks and the large commercial banks improve the construction of the online loan system and the wind control system through the self scale and the capital advantages.

However, for the small and medium regional banks such as the agricultural and urban businesses, which are often served in rural areas and take the responsibility of building the financial credit system in rural areas, the problem of single or insufficient customer resources due to policy limitations, small scale and limited capital is inevitable, and therefore, there is an urgent need to develop an internet financial management platform suitable for the small and medium banks, the micro-loan institutions and other financial institutions to meet the business requirements of the small and medium banks.

Disclosure of Invention

In view of the above disadvantages of the prior art, an object of the present invention is to provide a method, a system, a device and a medium for internet financial management, which are used to solve the problem that the internet financial management platform in the prior art cannot meet the business requirements of small and medium-sized banks.

In order to achieve the above objects and other related objects, the present invention provides an internet financial management method, including the steps of:

obtaining a loan service request from a network platform;

the financial information management platform audits the loan service request and determines whether to loan or not and a corresponding loan amount according to the audit result;

if the verification is passed, the financial information management platform issues the corresponding loan of the financial institution to a loan service requester through the network platform;

and generating service data required by the management of the financial institution according to the loan service accounting and batch repayment information of the loan service.

The present invention also provides an internet financial management system, comprising:

the network platform is used for a third party to apply for network loan service;

the financial information management platform is respectively connected with the network platform and the financial institution and is used for auditing the loan service request and determining whether to loan and the corresponding loan amount according to the auditing result; if the verification is passed, the corresponding loan of the financial institution is issued to a loan service requester through the network platform; and generating service data required by the management of the financial institution according to the loan service accounting and batch repayment information of the loan service.

The present invention also provides an apparatus comprising:

one or more processors; and

one or more machine-readable media having instructions stored thereon that, when executed by the one or more processors, cause the apparatus to perform a method as described in one or more of the above.

The present invention also provides one or more machine-readable media having instructions stored thereon, which when executed by one or more processors, cause an apparatus to perform the methods as described in one or more of the above.

As described above, the internet financial management method, system, device and medium provided by the present invention have the following beneficial effects:

the financial information management platform is pushed out by using the network platform, so that the embarrassing situation that the customer source of a financial institution can only limit the local place is avoided, and on one hand, the customer source is expanded; on the other hand, the range of potential customers is expanded, and the quantity of customers is effectively increased; the method opens up a new profit growth point for the loan service of financial institutions, and can realize the win-win situation of banks, micro-loan institutions, small enterprises and low-income crowds.

Drawings

FIG. 1 is a flow diagram illustrating a method for Internet financial management according to one embodiment;

FIG. 2 is a schematic flow chart illustrating a method for Internet financial management according to another embodiment;

FIG. 3 is a schematic flow chart illustrating credit granting in the Internet financial management method according to an embodiment;

FIG. 4 is a schematic diagram illustrating a process of depositing money in the Internet financial management method according to an embodiment;

FIG. 5 is a schematic flow chart illustrating loan transaction accounting in the Internet financial management method according to an embodiment;

FIG. 6 is a schematic flow chart illustrating a batch repayment method according to an embodiment of the present invention;

FIG. 7 is a schematic diagram illustrating a data processing flow of a method for Internet financial management according to an embodiment;

FIG. 8 is a schematic diagram of an Internet financial management system provided by an embodiment;

FIG. 9 is a diagram illustrating a hardware configuration of an Internet financial management system according to an embodiment;

fig. 10 is a schematic hardware structure diagram of a terminal device according to an embodiment;

fig. 11 is a schematic diagram of a hardware structure of a terminal device according to another embodiment.

Element number description:

1 network platform

2 financial information management platform

21 batch payment module

3 financial institution

4 guarantee mechanism

1100 input device

1101 first processor

1102 output device

1103 first memory

1104 communication bus

1200 processing assembly

1201 second processor

1202 second memory

1203 communication assembly

1204 Power supply Assembly

1205 multimedia assembly

1206 voice assembly

1207 input/output interface

1208 sensor assembly

Detailed Description

The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.

It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.

The loan transaction accounting refers to the accounting of business processes of issuing, recovering, extending, overdue, accounting and the like of general loans, mortgage loans and withdrawal loans by commercial banks.

Referring to fig. 1, an internet financial management method according to an embodiment of the present invention includes the following steps:

step S1, obtaining loan service request from the network platform;

the network platform sends a loanable application entrance to a user of a third-party channel, the user of the network platform is the user of the third channel, the network platform uses various network service support systems and network service activities based on the internet as a technology base, and the various network service support systems and network service activities comprise crowd funding, P2P network loan, third-party payment, digital currency, big data finance, informationized financial institutions, financial portals and the like, or non-financial media network platforms and the like, such as Tencent, fanciful art, tremble, fast hands, micro-views and the like, or a specific consumption credit scene of an e-commerce platform cooperating with the financial institutions can be provided with related channels for loan application.

It should be noted that the financial information management platform can be connected with various types of unlimited number of network platforms, so as to expand the customer group to the greatest extent.

Step S2, the finance information management platform audits the loan service request, and determines whether to loan and the corresponding loan amount according to the audit result;

step S3, if the examination is passed, the financial information management platform sends the corresponding loan of the financial institution to the loan service requester through the network platform;

and step S4, generating service data required by financial institution management according to the loan service accounting and batch repayment information of the loan service.

Specifically, the financial institution refers to a small and medium-sized bank or a micro loan institution capable of providing loans, and the bank is taken as an example in the present application for description.

In this embodiment, the financial information management platform is responsible for rules verification and approval processes of online loans (for example, loan, running and approval, repayment accounting, and information maintenance and management), a borrower (a loan service requester) fills in personal information through an application portal of a third-party network platform to generate a loan service request, and whether information in the loan service request is accurate and whether the borrower is the self is determined through a verification mode. Examining the borrower in the loan transaction request, for example, judging whether the borrower is a inline white list; if so, checking through a rule, and evaluating the loan amount related to the property given to the borrower according to the information provided by the borrower; if not, judging the related information (such as credit investigation information, inline loan condition, court sanction information, industrial and commercial information and the like of the client) of the borrower according to a preset approval rule, if the judgment is not passed, refusing the borrower to apply, and if the judgment is passed, giving a credit line to the borrower by using the credit model.

Specifically, the personal information includes a channel number, a borrower name, a borrower mobile phone number, a borrower identification card number, a borrower bank card number, a borrowed amount, a borrowed interest rate, a repayment mode, a term, a borrowed product, and a loan application.

Specifically, the approval rule includes:

black list rule: the system automatically refuses the application when the borrower or the spouse thereof is in the blacklist and within the validity period;

controlling repeated loan application rules: only one record of approval, approval passing or effective loan amount is allowed to exist in the financial information management platform at the same time, and when more than one loan application is applied by a borrower, the subsequent loan application is refused;

age control rules: the borrower's age is required to be more than or equal to 18 years old and the sum of the current age and the loan application period is not more than 60 years old;

the overdue condition rule of the borrower: the method comprises the following steps that when a borrower has a current overdue condition or the historical overdue times are more than or equal to 5 times in an in-line credit management system and pedestrian credit investigation data, the borrower refuses loan application;

rules for the borrower to guarantee the overdue condition: the method comprises the following steps that when a loan of an in-line credit management system of a borrower is overdue currently, the borrower refuses the loan application;

excessive credit total: when the total amount of credit and guarantee loan on the human credit investigation record of the borrower exceeds 100 ten thousand, refusing the loan application of the borrower;

group credit rules: the in-line credit management system of the borrower belongs to one member of the trust of a conspiracy group, and refuses the loan application of the borrower when the total credit amount of the in-line credit of the group exceeds 1000 ten thousand yuan;

credit card expiration rules: the borrower refuses the loan application when the credit card in the line or the credit card held on the data of the people's bank credit is overdue at present or the historical overdue times exceed 5 times;

and (3) carrying out credit investigation recording rules by others: the borrower refuses the loan application of the borrower when the borrower has debt records, compensation, loan balance and executed targets in the mandatory execution records as all the transaction information which is not fulfilled on the human credit investigation record;

credit rating rules of the borrower: and when the credit rating level in the row of the borrower is too low, the borrower refuses the loan application.

Furthermore, the services required by the financial institution management at least comprise credit granting, loan service accounting, batch repayment and general ledger.

It should be noted that, in this embodiment, a network (internet) platform is used as a service platform, and the service of issuing a loan to a personal borrower meeting an admission standard is oriented. The bank can realize real-time loan deposit and loan business accounting through the financial information management platform, and obtain batch repayment files provided by the network platform the next day, thereby completely generating various data required by the bank business management.

In the embodiment, the financial information management platform is pushed out by using the network platform, so that the embarrassing situation that the customer source of a financial institution can only limit the local place is avoided, and on one hand, the customer source is expanded; on the other hand, the range of potential customers is expanded, and the quantity of customers is effectively increased; the method opens up a new profit growth point for the loan service of financial institutions, and can realize the win-win situation of banks, micro-loan institutions, small enterprises and low-income crowds.

In an exemplary embodiment, please refer to fig. 2, which is a schematic flow chart of batch repayment in an internet financial management method according to another embodiment of the present invention, and the detailed flow chart is as follows:

step S21, when detecting that the financial information management platform generates the borrowing and repayment plan about the loan service requester, synchronizing the borrowing and repayment plan to the network platform;

step S22, the loan transaction requester repays on time according to the repayment plan of the network platform, and when detecting that the network platform receives the repayment, the loan transaction requester stores the repayment fund corresponding to the repayment party into a repayment account set by the financial institution on the network platform;

and step S23, the financial information management platform deducts the repayment fund in the repayment account according to the repayment plan and the repayment party to realize batch repayment and generate batch repayment information.

It should be noted that, a bank (financial institution) generates a borrowing and repayment plan after real-time payment through a financial information management platform and synchronizes the loan and repayment plan to a network platform, the network platform synchronizes repayment information (or repayment information compensated by an insurance company (guarantor)) to the bank in T +1 day after the borrower (repayment party) repays money, and the financial information management platform performs batch repayment and does not transfer money and repayment every time the repayment party receives money; meanwhile, the network platform stores the repayment fund of the user into a repayment account opened by the internet platform at the bank on the T +1 day, and the financial information management platform carries out automatic deduction and feeds back the deduction result to the network platform.

In this embodiment, the repayment amount is uniformly stored into the bank account set by the network platform according to the repayment plan and the repayment party, batch repayment is realized through batch repayment operation, compared with the current single real-time repayment, similar batch file processing is realized, the service data processing amount of the financial information management platform is greatly reduced, the processing capacity of the financial information management platform is improved, meanwhile, the bank access times and time are reduced, and the safety of a bank system is ensured.

In another embodiment, when detecting that the repayment of the loan transaction requester in the network platform is overdue, the loan transaction is paid according to a claims settlement institution currently guaranteed by the financial institution.

Specifically, if the payment of the user is overdue, the payment is compensated by the insurance company on the third day after the overdue, and the payment account is a settlement account issued by the insurance company in the bank, so that the bank loss is avoided, and the bank using the financial information management platform can make a profit.

In another embodiment, the financial information management platform is connected with at least one financial institution, and the network platform displays the name and type of the connected financial institution for selection by the loan transaction requester.

In this embodiment, since the financial information management platform can be connected to a plurality of financial institutions at the same time, the user can select the financial institution to be loaned according to the needs and hobbies of the user, and online comparison (such as the indexes of the amount, interest rate, service and the like) is realized, so that the demands of different user groups are met.

In an exemplary embodiment, please refer to fig. 3, which is a schematic flow chart illustrating a credit granting process in an internet financial management method according to an embodiment of the present invention, before step S2, the method further includes:

and the financial information management platform starts credit investigation according to the received loan service request, acquires credit investigation data of a third party to finish the credit investigation, finishes credit granting decision according to the credit investigation and returns a credit granting result to the network platform.

The network component in fig. 3 to 7 is a specific embodiment of the third-party network platform.

In the embodiment, the network platform opens a network credit application entrance to a client meeting the conditions through data screening, the client performs data interaction with an internal line approval system of a bank after submitting personal information through the network platform entrance, approval evaluation needs to be completed by taking an external data source as data supplement during approval, approval needs to be completed within 24 hours, and the bank transmits a result back to the network platform in real time after completing approval of approval.

The external data source comprises personal data, behavior data and credit history, wherein the personal data comprises identity information, income level, work units and contacts; behavioral data, including consumption ability, geographic location, shopping preferences; credit history, including credit card number, repayment history, house loan information; inline data, including the amount of credit, number of cards, user level.

In an exemplary embodiment, please refer to fig. 4, which is a flowchart illustrating a loan release process in an internet financial management method according to an embodiment of the present invention, in which the financial information management platform releases a corresponding loan from a financial institution to a loan transaction requester through the network platform, including:

the financial information management platform judges whether the loan amount meets loan conditions according to loan application sent by the loan service request party, when the loan amount meets the loan conditions, a core transfer interface in a financial institution is called to transfer the loan amount to the loan service request party according to the loan amount, the loan application is subjected to accounting processing to generate accounting data, and the accounting data and the transfer structure are fed back to the network platform.

In this embodiment, the borrower sends a loan application to the financial information management platform through the network platform, the financial information management platform judges that the borrower of the loan application meets the limit, and if the loan application does not pass, a loan failure result is returned to the credit; if the payment application passes, calling a core transfer interface in the bank accounting system to realize payment of corresponding amount, returning the payment result to the happy letter, carrying out accounting processing on the payment application which succeeds in payment, and transmitting data such as borrowing data and repayment plans generated by accounting to the network platform in batches.

The present loan application process is simplified in this embodiment for the borrower can take the loan rapidly, under the prerequisite that does not reduce approval factor of safety, has improved the efficiency of loan, has promoted user experience.

In an exemplary embodiment, referring to fig. 5, a loan transaction accounting flowchart in an internet financial management method is provided according to an embodiment of the present invention, including:

the financial information management platform traverses the borrowing data every day according to the accounting rule, when the borrowing data state is not cleared, traverses the repayment plan of the borrowing data of which the state is not cleared, and if the repayment plan is not cleared, finishes a state transferring instruction, a lifting instruction and a settlement instruction in sequence.

In this embodiment, the financial information management platform checks the states, the four-level classification, the five-level classification, and the like of the borrowing and repayment plans according to the checking rules every day. The financial information management platform accounts the interest and the interest to be received according to the debit and repayment plan according to the accounting rules every day. 1. The data fetching rule is as follows: all non-clearing status loans (run dates less than incoming business dates); 2. turning the state; 3. calculating and extracting; 4. and (5) settling.

For example, the financial information management platform traverses the borrowing data, judges whether the borrowing state is cleared, and ends if the borrowing state is cleared; if the borrowing state is not cleared, traversing the repayment plan of the borrowing state which is not cleared; judging whether the repayment plan is cleared, and if the repayment plan is cleared, ending the repayment plan; if the repayment plan is not cleared, the transfer state calculation unit, the count and mention calculation unit and the balance calculation unit are called to sequentially complete the transfer state instruction, the count and mention instruction and the balance instruction.

In the embodiment, the repayment condition of the borrower can be found in time through accounting the loan service, so that each loan service is conveniently tracked and monitored, and the benefits of the bank are ensured.

In an exemplary embodiment, please refer to fig. 6, which is a flowchart illustrating a repayment process in an internet financial management method according to an embodiment of the present invention, including:

and the financial information management platform performs payment accounting according to batch payment files provided by the network platform, inquires balance of a payment account set by the network platform in a bank and a claim settlement account set by a guarantee institution in the bank, executes payment deduction, and returns a result of the payment deduction to the network platform.

In this embodiment, by adopting the repayment method, not only any risk is generated by the bankbook bank of the guaranty institution, but also the banking business is expanded, and the corresponding network loan business is converted into the high-quality loan business.

In an exemplary embodiment, referring to fig. 7, a general ledger processing flow chart in an internet financial management method is provided for an embodiment of the present invention, and includes:

the financial information management platform executes daily cutting, and accounts for repayment records received in each day to generate a summary account; and calling a core interface in the financial institution to bill the collected accounts, converting the account data into a preset format and sending the preset format to a supervision department.

In this embodiment, the financial information management platform carries out daily cutting inspection, and the financial information management platform is daily cut, and the financial information management platform generates the account that gathers according to the account assembly line of accounting every day repayment, and the financial information management platform calls core interface account keeping, and the financial information management platform generates the account data that the monitoring department needs, and on the one hand, the required account data of management bank has been satisfied, and on the other hand, need not the bank and arrange the professional to manage, has improved the managerial efficiency.

In the embodiment, the network platform is used for releasing the financial information management platform, so that the embarrassing situation that the financial institution customer source can only limit the local place is avoided, wherein the financial information management platform realizes the network loan according to the flows of credit granting, paying, batch repayment, loan repayment accounting, daily cutting, data processing and the like. On one hand, the source of customers is expanded; on the other hand, the range of potential customers is expanded, and the quantity of customers is effectively increased; the method opens up a new profit growth point for the loan service of financial institutions, and can realize the win-win situation of banks, micro-loan institutions, small enterprises and low-income crowds.

Referring to fig. 8, a schematic diagram of an internet financial management system according to an embodiment of the present invention is shown, and fig. 9 is a schematic diagram of a hardware structure of the internet financial management system according to an embodiment of the present invention, including:

the network platform 1 is used for a third party to apply for network loan service;

the financial information management platform 2 is respectively connected with the network platform 1 and the financial institution 3 and is used for auditing the loan service request and determining whether to loan and the corresponding loan amount according to the auditing result; if the verification is passed, the corresponding loan of the financial institution is issued to a loan service requester through the network platform; and generating service data required by the management of the financial institution according to the loan service accounting and batch repayment information of the loan service.

In another embodiment, the network platform sends loan application entries to eligible users through data screening.

In another embodiment, the services required by the financial institution 3 at least include credit granting, adjustment, accounting, batch file processing, reconciliation and general ledger.

In another embodiment, the financial information management platform 2 further comprises a batch repayment module 21 for synchronizing the loan and repayment plan to the network platform when detecting that the financial information management platform generates the loan and repayment plan with respect to the loan transaction requester; when detecting that the network platform receives repayment, storing repayment funds corresponding to a repayment party into a repayment account set by the financial institution on the network platform; and the financial information management platform deducts and marks the repayment fund in the repayment account according to the repayment plan and the repayment party to realize batch repayment and generate batch repayment information.

In another embodiment, further comprising: and the guarantee mechanism 4 is used for paying according to the company guaranteed by the financial mechanism when detecting that the repayment of the loan service requester in the network platform is overdue.

In this embodiment, the internet financial management system and the internet financial management method are in a one-to-one correspondence, and details of modules, units, and other technologies related to the internet financial management system are described with reference to the foregoing embodiments, and are not described in detail herein.

In conclusion, the invention provides the internet financial management system, which utilizes the network platform to release the financial information management platform, gets rid of the embarrassment that the customer source of the financial institution can only limit the local, and on one hand, expands the customer source; on the other hand, the range of potential customers is expanded, and the quantity of customers is effectively increased; the method opens up a new profit growth point for the loan service of financial institutions, and can realize the win-win situation of banks, micro-loan institutions, small enterprises and low-income crowds.

An embodiment of the present application further provides an apparatus, which may include: one or more processors; and one or more machine readable media having instructions stored thereon that, when executed by the one or more processors, cause the apparatus to perform the method of fig. 1. In practical applications, the device may be used as a terminal device, and may also be used as a server, where examples of the terminal device may include: the mobile terminal includes a smart phone, a tablet computer, an electronic book reader, an MP3 (Moving Picture Experts Group Audio Layer III) player, an MP4 (Moving Picture Experts Group Audio Layer IV) player, a laptop, a vehicle-mounted computer, a desktop computer, a set-top box, an intelligent television, a wearable device, and the like.

Embodiments of the present application also provide a non-transitory readable storage medium, where one or more modules (programs) are stored in the storage medium, and when the one or more modules are applied to a device, the device may execute instructions (instructions) included in the method in fig. 1 according to the embodiments of the present application.

Fig. 10 is a schematic diagram of a hardware structure of a terminal device according to an embodiment of the present application. As shown, the terminal device may include: an input device 1100, a first processor 1101, an output device 1102, a first memory 1103, and at least one communication bus 1104. The communication bus 1104 is used to implement communication connections between the elements. The first memory 1103 may include a high-speed RAM memory, and may also include a non-volatile storage NVM, such as at least one disk memory, and the first memory 1103 may store various programs for performing various processing functions and implementing the method steps of the present embodiment.

Alternatively, the first processor 1101 may be, for example, a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), a Digital Signal Processor (DSP), a Digital Signal Processing Device (DSPD), a Programmable Logic Device (PLD), a Field Programmable Gate Array (FPGA), a controller, a microcontroller, a microprocessor, or other electronic components, and the first processor 1101 is coupled to the input device 1100 and the output device 1102 through a wired or wireless connection.

Optionally, the input device 1100 may include a variety of input devices, such as at least one of a user-oriented user interface, a device-oriented device interface, a software programmable interface, a camera, and a sensor. Optionally, the device interface facing the device may be a wired interface for data transmission between devices, or may be a hardware plug-in interface (e.g., a USB interface, a serial port, etc.) for data transmission between devices; optionally, the user-facing user interface may be, for example, a user-facing control key, a voice input device for receiving voice input, and a touch sensing device (e.g., a touch screen with a touch sensing function, a touch pad, etc.) for receiving user touch input; optionally, the programmable interface of the software may be, for example, an entry for a user to edit or modify a program, such as an input pin interface or an input interface of a chip; the output devices 1102 may include output devices such as a display, audio, and the like.

In this embodiment, the processor of the terminal device includes a function for executing each module of the speech recognition apparatus in each device, and specific functions and technical effects may refer to the above embodiments, which are not described herein again.

Fig. 11 is a schematic hardware structure diagram of a terminal device according to an embodiment of the present application. FIG. 11 is a specific embodiment of the implementation of FIG. 10. As shown, the terminal device of the present embodiment may include a second processor 1201 and a second memory 1202.

The second processor 1201 executes the computer program code stored in the second memory 1202 to implement the method described in fig. 1 in the above embodiment.

The second memory 1202 is configured to store various types of data to support operations at the terminal device. Examples of such data include instructions for any application or method operating on the terminal device, such as messages, pictures, videos, and so forth. The second memory 1202 may include a Random Access Memory (RAM) and may also include a non-volatile memory (non-volatile memory), such as at least one disk memory.

Optionally, a second processor 1201 is provided in the processing assembly 1200. The terminal device may further include: communication component 1203, power component 1204, multimedia component 1205, speech component 1206, input/output interfaces 1207, and/or sensor component 1208. The specific components included in the terminal device are set according to actual requirements, which is not limited in this embodiment.

The processing component 1200 generally controls the overall operation of the terminal device. The processing assembly 1200 may include one or more second processors 1201 to execute instructions to perform all or part of the steps of the data processing method described above. Further, the processing component 1200 can include one or more modules that facilitate interaction between the processing component 1200 and other components. For example, the processing component 1200 can include a multimedia module to facilitate interaction between the multimedia component 1205 and the processing component 1200.

The power supply component 1204 provides power to the various components of the terminal device. The power components 1204 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for the terminal device.

The multimedia components 1205 include a display screen that provides an output interface between the terminal device and the user. In some embodiments, the display screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the display screen includes a touch panel, the display screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation.

The voice component 1206 is configured to output and/or input voice signals. For example, the voice component 1206 includes a Microphone (MIC) configured to receive external voice signals when the terminal device is in an operational mode, such as a voice recognition mode. The received speech signal may further be stored in the second memory 1202 or transmitted via the communication component 1203. In some embodiments, the speech component 1206 further comprises a speaker for outputting speech signals.

The input/output interface 1207 provides an interface between the processing component 1200 and peripheral interface modules, which may be click wheels, buttons, etc. These buttons may include, but are not limited to: a volume button, a start button, and a lock button.

The sensor component 1208 includes one or more sensors for providing various aspects of status assessment for the terminal device. For example, the sensor component 1208 may detect an open/closed state of the terminal device, relative positioning of the components, presence or absence of user contact with the terminal device. The sensor assembly 1208 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact, including detecting the distance between the user and the terminal device. In some embodiments, the sensor assembly 1208 may also include a camera or the like.

The communication component 1203 is configured to facilitate communications between the terminal device and other devices in a wired or wireless manner. The terminal device may access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof. In one embodiment, the terminal device may include a SIM card slot therein for inserting a SIM card therein, so that the terminal device may log onto a GPRS network to establish communication with the server via the internet.

From the above, the communication component 1203, the voice component 1206, the input/output interface 1207 and the sensor component 1208 involved in the embodiment of fig. 11 can be implemented as the input device in the embodiment of fig. 10.

The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.

Claims

1. An internet financial management method, comprising the steps of:

obtaining a loan service request from a network platform;

2. The internet financial management method of claim 1, wherein the step of obtaining a loan transaction request from the network platform comprises:

and the network platform sends a loan application entry to the users meeting the conditions through data screening.

3. The internet financial management method of claim 1 or 2, wherein the step of the financial information management platform reviewing the loan transaction request is preceded by the step of: and the financial information management platform starts credit investigation according to the received loan service request, acquires credit investigation data of a third party to finish the credit investigation, and finishes credit granting decision according to the credit investigation.

4. The internet financial management method of claim 1, wherein the bulk repayment comprises:

synchronizing the borrowing and repayment plan to a network platform when detecting that the financial information management platform generates the borrowing and repayment plan about a loan transaction requester;

the loan transaction requester repays the loan according to the repayment plan of the network platform on time, and when detecting that the network platform receives the repayment, the loan requester stores the repayment fund corresponding to the repayment party into a repayment account set by the network platform in the financial institution;

and the financial information management platform deducts and marks the repayment fund in the repayment account according to the repayment plan and the repayment party to realize batch repayment and generate batch repayment information.

5. The internet financial management method of claim 4, further comprising: and when detecting that the repayment of the loan service requester in the network platform is overdue, carrying out claims according to a claim settlement institution guaranteed by the financial institution.

6. The internet financial management method of claim 1, wherein the loan transaction accounting comprises: the financial information management platform traverses the borrowing data every day according to the accounting rule, when the borrowing data state is not cleared, traverses the repayment plan of the borrowing data of which the state is not cleared, and if the repayment plan is not cleared, finishes a state transferring instruction, a lifting instruction and a settlement instruction in sequence.

7. The internet financial management method of claim 1, wherein the step of the financial information management platform issuing a corresponding loan of a financial institution to a loan transaction requester through the network platform, comprises:

8. The internet financial management method of claim 1, wherein the financial information management platform manages required business data at least including: the financial information management platform executes daily cutting, and accounts repayment records received in each day to generate a summary account; and calling a core interface in the financial institution to bill the collected accounts, converting the account data into a preset format and sending the preset format to a supervision department.

9. The internet financial management method of claim 1 wherein the financial information management platform is connected to at least one financial institution, and the network platform displays the name and type of the connected financial institution for selection by the loan transaction requester.

10. An internet financial management system, comprising:

11. The internet financial management system of claim 10 wherein the network platform sends loan application entries to eligible users through data screening.

12. The internet financial management system of claim 10 wherein the financial information management platform further comprises a batch repayment module for synchronizing the loan and repayment plan to the network platform upon detecting that the financial information management platform generates a loan and repayment plan for a loan transaction requester; when detecting that the network platform receives repayment, storing repayment funds corresponding to a repayment party into a repayment account set by the financial institution on the network platform; and the financial information management platform deducts and marks the repayment fund in the repayment account according to the repayment plan and the repayment party to realize batch repayment and generate batch repayment information.

13. The internet financial management system of claim 12, further comprising: and the guarantee mechanism is used for paying according to the company guaranteed by the financial mechanism when detecting that the repayment of the loan service requester in the network platform is overdue.

14. An apparatus, comprising:

one or more processors; and

one or more machine-readable media having instructions stored thereon that, when executed by the one or more processors, cause the apparatus to perform the method recited by one or more of claims 1-9.

15. One or more machine-readable media having instructions stored thereon, which when executed by one or more processors, cause an apparatus to perform the method recited by one or more of claims 1-9.