CN113506165A - Debt clearing system and debt management method - Google Patents
Debt clearing system and debt management method Download PDFInfo
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- CN113506165A CN113506165A CN202110791094.9A CN202110791094A CN113506165A CN 113506165 A CN113506165 A CN 113506165A CN 202110791094 A CN202110791094 A CN 202110791094A CN 113506165 A CN113506165 A CN 113506165A
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Abstract
The invention discloses a debt clearing system, which particularly relates to the field of financial management and comprises the following components: the user terminal is used for providing the user to log in a network connection mode; the member application module is used for temporarily storing application data input by a user and verifying membership through the data; the member attribute classification module is used for capturing member data and classifying the attributes of the members according to classification standards; the credit strengthening module is used for calculating the credit strengthening limit required by the member and the credit limit required for the symbol security guarantee and the security guarantee; the member import cash flow transaction module is used for importing member fees into fund transactions. According to the invention, by setting the members, the members can be classified according to different members, and meanwhile, the credit and repayment capacity of the members are collected, so that the condition that loan is carried out because the members do not have the repayment capacity is avoided.
Description
Technical Field
The invention relates to the technical field of financial management, in particular to a debt clearing system and a debt management method.
Background
With the continuous improvement of living standard, the price of things and the rising of house price, at present, most people in the crowd have liabilities, and the utilization rate of credit cards in young people is high, so that a plurality of young people swipe cards due to the fact that the consumption concept of the young people is not correct enough, and debt crisis and illegal repayment appear in the later period.
At present, due to the non-ideal debt compensation, people with money are unwilling to deposit the money into banks, and people who need the money cannot borrow the money, so that the debt compensation system is provided.
Disclosure of Invention
In order to overcome the above-mentioned drawbacks of the prior art, embodiments of the present invention provide a debt compensation system and a debt management method, so as to solve the problems in the background art.
In order to achieve the purpose, the invention provides the following technical scheme: a debt compensation system, comprising:
the user terminal is used for providing the user to log in a network connection mode;
the member application module is used for temporarily storing application data input by a user and verifying membership through the data;
the member attribute classification module is used for capturing member data and classifying the attributes of the members according to classification standards;
the credit strengthening module is used for calculating the credit strengthening limit required by the member and the credit limit required for the symbol security guarantee and the security guarantee;
the member import cash flow transaction module is used for importing member fees into fund transactions;
the vehicle providing server provides a consumption vehicle and records the consumption situation of the consumption vehicle, wherein the consumption vehicle comprises a physical card or a virtual card for payment;
at least one consumption terminal for receiving at least one transaction carried out by the consumption carrier and providing the consumption amount of the at least one transaction to the carrier providing server;
the system comprises a plurality of creditor bank servers, a plurality of credit bank servers and a plurality of credit bank servers, wherein the creditor bank servers respectively provide total debt amount of a client and regular membership payment;
the special account management module is used for providing a repayment special account, wherein the repayment special account is used for storing repayment amount;
the repayment distribution module determines first-stage and second-stage repayment plans according to the total debt and the regular member payment, and determines a repayment amount transferred from the repayment special account according to the debt proportion of the total debt corresponding to the debt bank servers, wherein the first repayment amount in the first-stage repayment plan is related to non-repayment of the total debt, and the second repayment amount in the second-stage repayment plan is related to local amortization of the total debt.
Preferably, the member application module can be connected to the network through a personal computer, a personal digital assistant and a mobile phone having wired and wireless network connection functions.
Preferably, the classification criteria processed by the member attribute classification module includes data on whether the member has debt compensation requirement, credit status, salary income, guarantor and guaranty providing ability in the database.
Preferably, the credit strengthening module is used for endowing the member with debt clearance requirements with a guaranteed credit line after calculation according to the guarantor of the member with debt clearance requirements and the data of the guaranty thereof stored in the database.
Preferably, the repayment distribution server calculates the credit amount of the creditor bank servers in the second stage, and in response to the second stage, the repayment distribution server notifies the creditor bank servers to credit the debts of the creditor according to the credit proportion and the credit amount.
Preferably, the repayment distribution server adjusts the interest rate of the total amount of the debt according to the consumption amount of the at least one transaction; if the consumption amount is not less than the amount threshold, the repayment distribution server reduces the interest rate of the total amount of the debt; if the amount of consumption is less than the amount threshold, the repayment distribution server increases the interest rate of the total amount of the debt.
A debt management method comprising:
receiving at least one transaction carried out through a consumption carrier, and obtaining the consumption amount of the at least one transaction, wherein the consumption carrier comprises a physical card or a virtual card for payment;
determining a first stage and a second stage of the repayment plan according to the total debt amount and the consumption amount of the at least one transaction, wherein a first repayment amount in the first stage of the repayment plan is related to not paying the total debt amount, and a second repayment amount in the second stage of the repayment plan is related to paying the total debt amount;
and determining the repayment amount transferred from the repayment special account according to the debt proportion of the debt total amount of the plurality of debt banks to the client corresponding to the debt banks, wherein the repayment special account is used for depositing the repayment amount and the first or second repayment amount into
Preferably, the step of determining the amount of the debt transferred from the payment account comprises: obtaining the first repayment amount according to the total debt amount, the interest of the debt not yet paid and the feedback money; obtaining the second repayment amount according to the interest paid by the ben interest and the feedback money of the total debt amount; and notifying the customer of the first or second redemption amount based on the stage.
Preferably, the step of determining the amount of the repayment amount transferred from the repayment special account further comprises:
calculating the amount of the withheld banks in the second stage; and
and in response to the second stage, informing the creditor banks to collect the debts owed by the debtor according to the creditor proportion and the collection amount.
Preferably, the step of determining the amount of the repayment amount transferred from the repayment special account further comprises:
adjusting interest rate of the total amount of the debt according to the consumption amount of the at least one transaction;
if the consumption amount is not less than the amount threshold value, reducing the interest rate of the total amount of the debt; and
and if the consumption amount is less than the amount threshold value, increasing the interest rate of the total amount of the debt.
The invention has the technical effects and advantages that:
1. compared with the prior art, the invention can classify according to different members by establishing the members, and simultaneously collect the credit and the repayment capacity of the members, thereby avoiding the loan situation caused by the fact that the members do not have the repayment capacity.
2. Compared with the prior art, the debt repayment system and the debt management method provided by the invention provide a two-stage repayment plan, a client only needs to deposit interest of debts and regular payment of members in each settlement period and deposit the interest and the regular payment into a repayment special account, and funds in the repayment special account can be used for investment of a debt bank. In addition, in the second stage, the fund in the repayment special account can be returned according to the credit proportion of each credit bank, so that the credit business of the credit banks can be integrated, the debt can be paid out by the debt, and the credit bank can smoothly take back the debt owed by the debt.
Drawings
FIG. 1 is an overall system block diagram of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, a debt compensation system includes:
the user terminal is used for providing the user to log in a network connection mode;
the member application module is used for temporarily storing application data input by a user and verifying membership through the data, and the network connection mode of the member application module can be completed through a personal computer, a personal digital assistant and a mobile phone with the functions of wired and wireless network connection;
the system comprises a member attribute classification module, a database and a database, wherein the member attribute classification module is used for capturing member data and performing attribute classification on members according to classification standards, and the classification standards processed by the member attribute classification module comprise data on whether the members have debt clearing requirements, credit conditions, salary income, and capacity providing data of guarantors and guaranties in the database;
the credit strengthening module is used for calculating the credit strengthening limit required by the member and the credit limit required for collecting the guaranties and the guarantors, and the credit strengthening module gives the guaranties of the members with debt-clearing requirements to the members with debt-clearing requirements after calculation according to the guarantors and the guaranty data of the members with debt-clearing requirements stored in the database;
the member import cash flow transaction module is used for importing member fees into fund transactions;
the vehicle providing server provides a consumption vehicle and records the consumption situation of the consumption vehicle, wherein the consumption vehicle comprises a physical card or a virtual card for payment;
at least one consumption terminal for receiving at least one transaction carried out by the consumption carrier and providing the consumption amount of the at least one transaction to the carrier providing server;
the system comprises a plurality of creditor bank servers, a plurality of credit bank servers and a plurality of credit bank servers, wherein the creditor bank servers respectively provide total debt amount of a client and regular membership payment;
the special account management module is used for providing a repayment special account, wherein the repayment special account is used for storing repayment amount;
the repayment distribution module is used for determining repayment plans in a first stage and a second stage according to the total debt and the regular member payment, and determining the repayment amount transferred from the repayment special account according to the debt proportion of the total debt corresponding to each debt bank server, wherein the first repayment amount in the repayment plan in the first stage is related to the non-repayment of the total debt, and the second repayment amount in the repayment plan in the second stage is related to the local repayment of the total debt;
the repayment distribution server calculates the credit amount of the creditor bank servers in the second stage, and in response to the second stage, the repayment distribution server informs the creditor bank servers to credit the debts of the debtor according to the creditor proportion and the credit amount;
the repayment distribution server adjusts the interest rate of the total amount of the debt according to the consumption amount of the at least one transaction; if the consumption amount is not less than the amount threshold, the repayment distribution server reduces the interest rate of the total amount of the debt; if the amount of consumption is less than the amount threshold, the repayment distribution server increases the interest rate of the total amount of the debt.
The invention also provides a debt management method, which comprises the following steps:
receiving at least one transaction carried out through a consumption carrier, and obtaining the consumption amount of the at least one transaction, wherein the consumption carrier comprises a physical card or a virtual card for payment;
determining a first stage and a second stage of the repayment plan according to the total debt amount and the consumption amount of the at least one transaction, wherein a first repayment amount in the first stage of the repayment plan is related to not paying the total debt amount, and a second repayment amount in the second stage of the repayment plan is related to paying the total debt amount;
determining repayment amount transferred from a repayment special account according to the debt proportion of the debt total amount of the plurality of debt banks for the client corresponding to the debt banks, wherein the repayment special account is used for depositing the repayment amount and the first or second repayment amount;
the step of determining the amount of the repayment amount transferred from the repayment special account includes:
obtaining the first repayment amount according to the total debt amount, the interest of the debt not yet paid and the feedback money;
obtaining the second repayment amount according to the interest paid by the ben interest and the feedback money of the total debt amount;
and notifying the customer of the first or second redemption amount based on the stage;
after the step of determining the amount of the repayment amount transferred from the repayment special account, the method further comprises the following steps:
calculating the amount of the withheld banks in the second stage; and
in response to the second stage, informing the debt banks to collect the debts owed by the debt holder according to the debt proportion and the collection amount;
adjusting interest rate of the total amount of the debt according to the consumption amount of the at least one transaction;
if the consumption amount is not less than the amount threshold value, reducing the interest rate of the total amount of the debt; and
and if the consumption amount is less than the amount threshold value, increasing the interest rate of the total amount of the debt.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (10)
1. A debt compensation system, comprising:
the user terminal is used for providing the user to log in a network connection mode;
the member application module is used for temporarily storing application data input by a user and verifying membership through the data;
the member attribute classification module is used for capturing member data and classifying the attributes of the members according to classification standards;
the credit strengthening module is used for calculating the credit strengthening limit required by the member and the credit limit required for the symbol security guarantee and the security guarantee;
the member import cash flow transaction module is used for importing member fees into fund transactions;
the vehicle providing server provides a consumption vehicle and records the consumption situation of the consumption vehicle, wherein the consumption vehicle comprises a physical card or a virtual card for payment;
at least one consumption terminal for receiving at least one transaction carried out by the consumption carrier and providing the consumption amount of the at least one transaction to the carrier providing server;
the system comprises a plurality of creditor bank servers, a plurality of credit bank servers and a plurality of credit bank servers, wherein the creditor bank servers respectively provide total debt amount of a client and regular membership payment;
the special account management module is used for providing a repayment special account, wherein the repayment special account is used for storing repayment amount;
the repayment distribution module determines first-stage and second-stage repayment plans according to the total debt and the regular member payment, and determines a repayment amount transferred from the repayment special account according to the debt proportion of the total debt corresponding to the debt bank servers, wherein the first repayment amount in the first-stage repayment plan is related to non-repayment of the total debt, and the second repayment amount in the second-stage repayment plan is related to local amortization of the total debt.
2. The debt settlement system according to claim 1, wherein: the member application module can be connected to the network via a personal computer, a personal digital assistant and a mobile phone.
3. The debt settlement system according to claim 2, wherein: the classification standard processed by the member attribute classification module comprises data of whether the member has debt compensation requirement, credit condition, salary income, and the ability of the guarantor and the guaranty providing capacity in the database.
4. The debt settlement system according to claim 3, wherein: the credit strengthening module is used for endowing the member with debt clearing requirement with a guaranteed credit line after calculation according to the guarantor of the member with the debt clearing requirement and the data of the guarantor thereof stored in the database.
5. The debt settlement system according to claim 4, wherein: the repayment distribution server calculates the credit amount of the creditor bank servers in the second stage, and in response to the second stage, the repayment distribution server informs the creditor bank servers to credit the debts of the creditor according to the creditor proportion and the credit amount.
6. The debt settlement system according to claim 1, wherein: the repayment distribution server adjusts the interest rate of the total amount of the debt according to the consumption amount of the at least one transaction; if the consumption amount is not less than the amount threshold, the repayment distribution server reduces the interest rate of the total amount of the debt; if the amount of consumption is less than the amount threshold, the repayment distribution server increases the interest rate of the total amount of the debt.
7. The debt management method according to any one of claims 1-6, comprising:
receiving at least one transaction carried out through a consumption carrier, and obtaining the consumption amount of the at least one transaction, wherein the consumption carrier comprises a physical card or a virtual card for payment;
determining a first stage and a second stage of the repayment plan according to the total debt amount and the consumption amount of the at least one transaction, wherein a first repayment amount in the first stage of the repayment plan is related to not paying the total debt amount, and a second repayment amount in the second stage of the repayment plan is related to paying the total debt amount;
and determining the repayment amount transferred from the repayment special account according to the debt proportion of the debt total amount of the plurality of debt banks for the client corresponding to the debt banks, wherein the repayment special account is used for depositing the repayment amount and the first or second repayment amount.
8. The debt management method of claim 7, wherein the step of determining the amount of the repayment amount transferred from the repayment special account comprises: obtaining the first repayment amount according to the total debt amount, the interest of the debt not yet paid and the feedback money; obtaining the second repayment amount according to the interest paid by the ben interest and the feedback money of the total debt amount; and notifying the customer of the first or second redemption amount based on the stage.
9. The debt management method according to claim 7, wherein the step of determining the amount of the debt paid out from the repayment special account further comprises:
calculating the amount of the withheld banks in the second stage; and
and in response to the second stage, informing the creditor banks to collect the debts owed by the debtor according to the creditor proportion and the collection amount.
10. The debt management method according to claim 7, wherein the step of determining the amount of the debt paid out from the repayment special account further comprises:
adjusting interest rate of the total amount of the debt according to the consumption amount of the at least one transaction;
if the consumption amount is not less than the amount threshold value, reducing the interest rate of the total amount of the debt; and
and if the consumption amount is less than the amount threshold value, increasing the interest rate of the total amount of the debt.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110791094.9A CN113506165A (en) | 2021-07-13 | 2021-07-13 | Debt clearing system and debt management method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110791094.9A CN113506165A (en) | 2021-07-13 | 2021-07-13 | Debt clearing system and debt management method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI814311B (en) * | 2022-03-28 | 2023-09-01 | 中國信託商業銀行股份有限公司 | Automated debt processing system and method |
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| CN101377844A (en) * | 2007-08-30 | 2009-03-04 | 乔美国际网络股份有限公司 | System and method for discharge of debt |
| CN108985924A (en) * | 2018-08-23 | 2018-12-11 | 四川学姿势科技有限公司 | Management system for campus debt service |
| TWM590281U (en) * | 2019-10-02 | 2020-02-01 | 臺灣銀行股份有限公司 | Consumer Debt Clearing System |
| CN111798300A (en) * | 2019-04-09 | 2020-10-20 | 许家烨 | Debt clearing system and debt management method |
-
2021
- 2021-07-13 CN CN202110791094.9A patent/CN113506165A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101377844A (en) * | 2007-08-30 | 2009-03-04 | 乔美国际网络股份有限公司 | System and method for discharge of debt |
| CN108985924A (en) * | 2018-08-23 | 2018-12-11 | 四川学姿势科技有限公司 | Management system for campus debt service |
| CN111798300A (en) * | 2019-04-09 | 2020-10-20 | 许家烨 | Debt clearing system and debt management method |
| TWM590281U (en) * | 2019-10-02 | 2020-02-01 | 臺灣銀行股份有限公司 | Consumer Debt Clearing System |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI814311B (en) * | 2022-03-28 | 2023-09-01 | 中國信託商業銀行股份有限公司 | Automated debt processing system and method |
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