WO2016191971A1

WO2016191971A1 - Repayment processing method and system

Info

Publication number: WO2016191971A1
Application number: PCT/CN2015/080384
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-05-29
Filing date: 2015-05-29
Publication date: 2016-12-08
Also published as: CA2987298A1

Abstract

A repayment processing method and system, belonging to the technical field of finance. The method comprises: after receiving a portion of a repayment from a first participant within a preset repayment deadline, unfreezing a portion of frozen funds corresponding to a bank credit certificate according to a repayment amount (S101); if the remainder of the repayment has not been received after a preset payment request deadline has passed, transferring the remainder of the frozen funds corresponding to the bank credit certificate to a funds management account, and synchronising a record of a default by the first participant to a funds management credit information system (S102). The method introduces the bank credit certificate to guarantee the lending transaction, synchronises the record of the default by the first participant to the funds management credit information system, and increases default costs of the first participant, thereby reducing the risk to the loan funds, and enabling the lending transaction to be more secure.

Description

Repayment processing method and system

[0001] The present invention relates to the field of financial technologies, and in particular, to a method and system for repaying loans.

Background technique

[0002] Traditional lending generally refers to a way of lending money to a debtor and collecting fixed income, mainly including bank lending and private lending. The borrower initiates the settlement demand. The lender intends to lend the loan to the borrower. The two parties reach a loan transaction through oral or written agreement. If the borrower repays the loan within the agreed time limit, the lender receives the loan principal and interest, if the borrower does not press The repayment period is agreed upon, and the period of recovery is unlimited. The advantage of traditional lending methods is that there are fixed incomes. However, due to the lack of financial guarantees and supervision mechanisms, especially in private lending activities, the repayment period is indefinitely extended, or it is not uncommon for direct lenders to recover their loans, resulting in the proliferation of borrowing defaults. The lender’s funds are not guaranteed.

[0003] It can be seen that an improved repayment processing method is needed at this stage to improve the borrower's default cost and reduce the risk of loan funds, making the loan transaction safer.

technical problem

[0004] The technical problem to be solved by the present invention is to provide a repayment processing method and system to improve the default cost of the first party and reduce the risk of loan funds.

Problem solution

Technical solution

[0005] The technical solution adopted by the present invention to solve the above technical problems is as follows:

[0006] According to an aspect of the present invention, a loan repayment processing method is provided for use in a fund management server, the method comprising the steps of:

[0007] after receiving the partial repayment of the first party within the preset repayment period, the part of the frozen funds corresponding to the banknote is defrosted according to the repayment amount;

[0008] If the remaining repayment amount is not received after the preset dunning period is exceeded, the remaining frozen funds corresponding to the silver credit card are allocated to the fund management account, and the first party's default record is synchronized to the fund management credit information system. [0009] Among them, the silver letter is issued by the second party with the funds of the account or the credit line as the deposit. An electronic commitment payment certificate that the server requests and is established by the money management server.

[0010] According to an aspect of the present invention, a loan repayment processing system is provided for use in a fund management server, the system comprising the following modules:

[0011] a receiving module, configured to receive a repayment of the first party;

[0012] The repayment processing module is configured to: after receiving the partial repayment of the first participant within the preset repayment period, unfreezing the partially frozen funds corresponding to the silver credit according to the repayment amount;

[0013] the default processing module, if the remaining payment is not received after the preset dunning period is exceeded, the remaining frozen funds corresponding to the silver credit card are allocated to the fund management account, and the default record of the first participant is synchronized to Fund management credit reporting system;

[0014] wherein, the silver credit certificate is an electronic commitment payment voucher that is applied to the fund management server by the second participant with its account fund or credit line as a security deposit and is established by the fund management server.

Advantageous effects of the invention

Beneficial effect

[0015] The loan repayment processing method and system provided by the present invention, by introducing a bank credit guarantee to conduct a loan transaction, if the first party fails to repay the loan, the frozen funds corresponding to the bank letter certificate are allocated to the fund management account, The second party bears the loss of not recovering the loan. The peer synchronizes the default record of the first party to the fund management credit system and enters the credit smudge, thereby increasing the default cost of the first party and reducing the risk of loan funds, making the loan transaction safer.

Brief description of the drawing

DRAWINGS

FIG. 1 is a flowchart of a method for processing a loan repayment according to an embodiment of the present invention.

2 is a flowchart of another method for processing a loan repayment according to an embodiment of the present invention.

3 is a block diagram of a repayment processing system according to an embodiment of the present invention.

4 is a block diagram of another repayment processing system according to an embodiment of the present invention.

Embodiments of the invention

[0020] In order to make the technical problems, technical solutions and beneficial effects to be solved by the present invention clearer and clearer, The invention will be further described in detail below with reference to the drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0021] In the present invention, the first party is a borrower. The second participant refers to the individual or organization that intends to initiate the loan intention to the first participant, but plays a guarantee role in the actual loan transaction. A money management institution is a financial institution that can support capital flows and transactions, and acts as a lender in lending transactions. Among them, the silver letter certificate is an electronic commitment payment certificate that the second party applies to the fund management server and is established by the fund management server with its account fund or credit line as the security deposit. The bank credit certificate is an electronic credit certificate that the fund management institution promises to handle the settlement and payment in accordance with the payment conditions. The bank letter is a kind of Internet innovation basic financial instrument paid by the credit management institution's credit commitment. It is mainly for the buyer's products. The seller downloads the cashier access interface, and the buyer completes the bank certificate and the seller completes the certificate. Receive the certificate and perform the contract, submit the payment, and finally the bank letter will be automatically settled upon expiration. The bank letter can be purchased not only with goods but also for mortgage guarantees. A money management agency is one that supports financial flows, including but not limited to banks and other financial institutions (such as securities institutions). Correspondingly, the fund management server includes a bank server or other financial institution server; the fund management account includes a bank loan account or other financial institution loan account; the fund management credit system includes the People's Bank credit information system or other financial institution credit information system. In the present invention, the second participation direction fund management server applies for the establishment of the bank credit certificate as a guarantee for the loan to others, and the fund management server receives the silver letter with the amount equal to the loan amount applied by the second party. After the certificate, the corresponding amount in the second participant's account is frozen, and the loan is issued to the first participant on this condition. It should be noted that although the bank letter issued by the second party is frozen, the funds are still in the second participant's account, but the funds are in an unusable state, but it does not affect the second party's current period during the freezing period. The collection of interest. For example, the balance of the second participant's account fund is 300,000, and 200,000 silver letters are issued to the fund management server and frozen, but the fund management server still calculates the current interest based on the balance of 300,000 yuan, or the fund management server. Calculate the current interest of the second party according to the balance of 100,000 yuan, and calculate the interest on the current period of the bank during the freezing of the letter.

[0022] Embodiment 1

[0023] As shown in FIG. 1, a repayment processing method provided by an embodiment of the present invention is applied to a fund management server.

, the method includes the following steps:

[0024] S101. After receiving the partial repayment of the first participant within the preset repayment period, the user is thawed according to the repayment amount. Part of the frozen letter corresponding to the silver letter.

[0025] Specifically, after the first party repays part of the loan term, the fund management server unfreezes the partially frozen funds corresponding to the bank letter, and the same, the thawed part of the frozen funds and the corresponding current interest are in the first The two participants automatically become available in the account.

[0026] S102. If the remaining repayment amount is not received after the preset dunning period is exceeded, the remaining frozen funds corresponding to the silver credit card are allocated to the fund management account, and the first party’s default record is synchronized to the fund management sign. Letter system.

[0027] Specifically, during the dunning period (for example, one month), the fund management institution may promptly repay the remaining loan through the fund management server or manually, if the first participant has not returned the dunning period yet If the payment is unsuccessful, the frozen funds corresponding to the bank letter will be transferred to the fund management account to ensure that the loan funds of the fund management institution are not at risk, and the second party will bear the loss of the loan. The peer synchronizes the default record of the first party to the fund management credit system, and the first party can not use the credit line by recording the credit smear to the first party.

[0028] In the repayment method of the embodiment of the present invention, by introducing a bank credit guarantee to conduct a loan transaction, if the first party fails to repay the loan, the frozen funds corresponding to the bank letter are allocated to the fund management account, and the second party Participants bear the loss of not recovering the loan. The peer synchronizes the default record of the first party to the fund management credit system and enters the credit smear, thereby increasing the default cost of the first party and reducing the risk of loan funds, making the loan transaction safer.

[0029] Embodiment 2

[0030] As shown in FIG. 2, a repayment processing method provided by an embodiment of the present invention is described by taking a fund management institution as a bank and a fund management server as a bank server as an example. The method includes the following steps:

[0031] S201. After receiving the partial repayment of the first participant within the preset repayment period, the part of the frozen funds corresponding to the silver credit card is thawed according to the repayment amount.

[0032] wherein, the silver credit certificate is an electronic commitment payment voucher that is applied to the fund management server by the second party with its account fund or credit line as a security deposit and is established by the fund management server.

[0033] As a preferred solution, in order to maximize the interests of the money management institution, the amount of repayment received includes all loan interest and part of the loan principal. That is to say, the loan principal (ie the funds that need to be thawed) is the first to reduce the loan interest of the loan funds from the repayment funds. So get it first in part of the repayment Loan interest, and subsequent calculation of the remaining repayment delay is also beneficial to the fund management agency.

[0034] S202. Repay the remaining loan to the first participant within a preset dunning period.

[0035] Specifically, the bank may manually urge the first party to repay the loan, or may repay the remaining loan through the bank server in an all-round manner, for example, by using one or a combination of the following methods: The phone number or mobile phone preset by the participant, sending an email notification to the email address preset by the first participant, pushing the information to the software program client registered with the first participant, and sending the mobile number to the first participant's preset mobile number The short message notification, sending a QQ message to the QQ number preset by the first participant, or sending a message to the micro signal code preset by the first participant.

[0036] S203. If the remaining payment is received within the preset dunning period, step S204 is performed, otherwise step S205 is performed.

[0037] S204. Unfreeze the remaining frozen funds corresponding to the silver credit, and allocate the loan interest in the second participant account and the fund management account according to a preset rule, and perform step S206.

[0038] Specifically, due to the characteristics of the silver credit, the interest on the current period during the freezing of the funds is automatically calculated in the second participant's account and becomes available in the frozen funds of the defrosted silver letter. The interest on the loan is transferred to the fund management account by the same party who repaid the first party. Of course, the second party and the fund management agency can also separately agree on the distribution of loan benefits and redistribute according to the agreed method. When the repayment is postponed, a late payment fee for the deferred funds can also be collected for distribution.

[0039] S205. Allocating the remaining frozen funds corresponding to the banknote to the bank loan account, and synchronizing the first party's breach record to the bank credit information system.

[0040] S206. End the process.

[0041] In this embodiment, if the first party repays the bankruptcy certificate, the second party and the bank allocate the loan interest according to the agreed rules. If the first participant fails to repay the loan, the bank letter will remain frozen for a fixed period (dumping period), and the bank will repay the first party if the first party completes the dunning period. Repayment of the remaining funds (bank dunning success), still unfreeze the bank letter, the second party and the bank distribute the loan interest according to the agreement; the first party does not repay the loan within the dunning period (bank dunning failed) ), the remaining frozen funds of the bank letter will be transferred to the bank loan account to protect the interests of the bank, the second party will bear the loss of the loan, and the first party’s default record will be synchronized to the fund management letter. System, by giving the first party The credit smudge is entered, so that the first party can not use the credit line and increase the default cost of the first party, thereby reducing the possibility of default of the first party, reducing the risk of borrowing funds, and making the loan transaction safer.

Embodiment 3

[0043] As shown in FIG. 3, a repayment processing system provided by an embodiment of the present invention is applied to a fund management server.

, the system includes the following modules:

[0044] The receiving module 10 is configured to receive the repayment of the first participant.

[0045] Specifically, the receiving module 10 may repay a part of the first participant within a preset repayment term.

[0046] The repayment processing module 20 is configured to: after receiving the partial repayment of the first participant within the preset repayment period, and defrosting the partially frozen funds corresponding to the silver credit according to the repayment amount, the silver credit card is 2. The electronic commitment payment voucher that the participant applies to the fund management server and is established by the fund management server with its account fund or credit line as the margin.

[0047] Specifically, after the first party repays part of the loan term, the fund management server unfreezes the partially frozen funds corresponding to the bank letter, and the same, the thawed part of the frozen funds and the corresponding current interest are in the first The two participants automatically become available in the account.

[0048] The default processing module 30 is configured to: if the remaining repayment amount is not received after the preset dunning period is exceeded, allocate the remaining frozen funds corresponding to the silver credit card to the fund management account, and synchronize the default record of the first participant Go to the fund management credit system.

[0049] Specifically, if the first participant has not repaid (the dunning failure) exceeds the dunning period, the default processing module 30 transfers the frozen funds corresponding to the silver credit to the fund management account to ensure the loan funds of the fund management institution. Without risk, the second party will bear the loss of the loan. At the same time, the first party's default record is synchronized to the fund management credit system, and the first participant is not able to use the credit line by crediting the first party with credit smear.

[0050] As a preferred solution, in order to ensure that the first party still has a loan remaining within the preset dunning period, the bank letter can still be thawed. The repayment processing module 20 is further configured to: if the remaining repayment is received within the preset dunning period, unfreeze the remaining frozen funds corresponding to the silver credit, and follow the preset rules in the second participant account and the fund management account. Allocate loan interest.

[0051] Specifically, due to the characteristics of the bank letter, the interest on the current period during the freezing of the funds is frozen in the thawing of the silver letter The gold is automatically calculated in the second participant's account and becomes available. The interest on the loan is transferred to the fund management account by the same party who repaid the first party. Of course, the second party and the fund management agency can also separately agree on the distribution of loan benefits and redistribute according to the agreed method. When the repayment is postponed, the late payment of the deferred funds can also be collected for distribution.

[0052] As shown in FIG. 4, in some embodiments, the system further includes a dunning module 40 configured to prompt the first party to repay the remaining loan within a predetermined reminder period.

[0053] Specifically, the dunning module 40 may be specifically configured to perform dunning by any one or more of the following combinations: dialing a telephone number or a mobile phone preset by the first participant, preset to the first participant The e-mail sends an e-mail notification, pushes the information to the software program client registered with the first participant, sends a short message notification to the mobile number preset by the first participant, sends a QQ message to the QQ number preset by the first participant, or sends a message to the first participant's preset QQ number, or The first participant presets the micro-signal to send the message. Of course, the dunning module 40 can be omitted by manual offline.

[0054] In the repayment system of the embodiment of the present invention, by introducing a bank credit guarantee to conduct a loan transaction, if the first party does not repay the loan, the first party allocates the frozen funds corresponding to the bank letter to the fund management account, and the second Participants bear the loss of not recovering the loan. The peer synchronizes the default record of the first party to the fund management credit system and enters the credit smear, thereby increasing the default cost of the first party and reducing the risk of loan funds, making the loan transaction safer.

[0055] It should be noted that the technical features in the first embodiment and the second embodiment are applicable in the system, and are not repeated here.

[0056] Those skilled in the art can understand that all or part of the steps of implementing the foregoing embodiments may be performed by a program to control related hardware, and the program may be stored in a computer readable storage medium. The storage medium described, such as a ROM/RAM, a magnetic disk, an optical disk, or the like.

The preferred embodiments of the present invention have been described above with reference to the drawings, and are not intended to limit the scope of the invention.

Any modifications, equivalent substitutions and improvements made by those skilled in the art without departing from the scope and spirit of the invention are intended to be included within the scope of the invention.

Industrial applicability

[0058] The present invention provides a smart financial lending transaction system, introducing a bank credit guarantee to conduct a loan transaction, and if the first party fails to repay the loan, the frozen fund corresponding to the bank letter is transferred to the fund management account. The second party is responsible for the loss of the loan. The peer synchronizes the default record of the first party to the fund management credit system, and by entering the credit smudge to the first party, the first party can not use the credit line, which can increase the default cost of the first party and reduce The possibility of default by the first party, thereby reducing the risk of loan funds, making the loan transaction safer. Therefore, it has industrial applicability.

Claims

Claim

[Claim 1] A method for repaying loans, which is applied to a fund management server, the method comprising the steps of: after receiving a partial repayment of a first participant within a preset repayment period, thawing a silver letter according to the repayment amount Partially frozen funds corresponding to the certificate;

If the remaining repayment amount is not received after the preset dunning period is exceeded, the remaining frozen funds corresponding to the silver letter certificate are allocated to the fund management account, and the default record of the first party is synchronized to the fund management credit information system;

The silver credit card is an electronic commitment payment voucher that is applied to the fund management server by the second party with its account fund or credit line as a deposit and is established by the fund management server.

[Claim 2] The repayment processing method according to claim 1, wherein the method further comprises:

Reimbursing the remaining loan to the first participant during the preset dunning period.

[Claim 3] The repayment processing method according to claim 2, wherein the repaying the remaining loan to the first participant further comprises: dialing a phone number or a mobile phone preset by the first participant, Sending an email notification to the email address preset by the first participant, sending a short message notification to the mobile number preset by the first participant, pushing the information to the software program client registered by the first participant, The QQ number preset by the first participant sends a QQ message, and/or sends a message to the micro-signal code preset by the first participant.

[Claim 4] The method for processing a loan repayment according to claim 1, wherein the method further comprises:

If the remaining repayment is received within the preset dunning period, the remaining frozen funds corresponding to the silver credit are thawed, and the loan is allocated in the second participant account and the fund management account according to a preset rule. interest.

[Claim 5] The repayment processing method according to any one of claims 1 to 4, wherein the fund management server includes a bank server or other financial institution server, and correspondingly, the fund management account includes a bank Loan account or other financial institution loan account.

[Claim 6] A repayment processing system, applied to a fund management server, the system comprising the following modules: a receiving module, configured to receive a repayment of a first party;

The repayment processing module is configured to receive the part of the first participant within the preset repayment term After the payment, the partial frozen funds corresponding to the silver letter certificate shall be released according to the repayment amount;

The default processing module, if the remaining payment is not received after the preset dunning period is exceeded, the remaining frozen funds corresponding to the silver credit card are allocated to the fund management account, and the default record of the first participant is synchronized to the fund. Management credit information system;

The repayment processing system of claim 6, wherein the system further comprises: a dunning module configured to prompt the first party to repay the remaining loan within a predetermined dunning period.

The repayment processing system according to claim 7, wherein the dunning module is specifically configured to: dial a telephone number or a mobile phone preset by the first participant, preset to the first participant Sending an email notification by the email, sending a short message notification to the mobile number preset by the first participant, pushing the information to the software program client registered by the first participant, and setting the QQ number preset to the first participant Sending a QQ message, and/or transmitting a message to the micro-signal code preset by the first participant.

The repayment processing system according to claim 7, wherein the repayment processing module is further configured to:

If the remaining repayment is received within the preset dunning period, the remaining frozen funds corresponding to the silver credit are thawed, and the loan interest is allocated in the second participant account and the fund management account according to a preset rule.

The repayment processing system according to any one of claims 6-9, wherein the fund management server comprises a bank server or other financial institution server, and accordingly, the fund management account comprises a bank loan account or other financial Institutional loan account.