WO2016191980A1 - Procédé et système de traitement de remboursement - Google Patents

Procédé et système de traitement de remboursement Download PDF

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Publication number
WO2016191980A1
WO2016191980A1 PCT/CN2015/080400 CN2015080400W WO2016191980A1 WO 2016191980 A1 WO2016191980 A1 WO 2016191980A1 CN 2015080400 W CN2015080400 W CN 2015080400W WO 2016191980 A1 WO2016191980 A1 WO 2016191980A1
Authority
WO
WIPO (PCT)
Prior art keywords
participant
repayment
party
fund management
account
Prior art date
Application number
PCT/CN2015/080400
Other languages
English (en)
Chinese (zh)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to PCT/CN2015/080400 priority Critical patent/WO2016191980A1/fr
Priority to CA2987303A priority patent/CA2987303C/fr
Publication of WO2016191980A1 publication Critical patent/WO2016191980A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to the field of financial technologies, and in particular, to a method and system for repaying loans.
  • 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.
  • 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.
  • 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.
  • a loan repayment processing method for use in a fund management server, the method comprising the steps of:
  • the part of the frozen funds corresponding to the banknote is allocated to the fund management account according to the repayment amount
  • 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 record of the first party default is synchronized to the fund management credit information system.
  • 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.
  • a loan repayment processing system for use in a fund management server, the system comprising the following modules:
  • a receiving module configured to receive a notification that the second participant replaces the first party part repayment, and the first party repayment
  • the repayment processing module is configured to: after receiving the notification that the second participant replaces the repayment of the first participant part, allocate the partially frozen funds corresponding to the silver credit card to the fund management account according to the repayment amount;
  • the default processing module is configured to allocate the remaining frozen funds corresponding to the silver letter to the fund management account if the remaining payment is not received after the preset dunning period is exceeded, and synchronize the record of the first party's default To the fund management credit reporting system;
  • 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.
  • the loan repayment processing method and system provided by the present invention, by introducing a bank credit guarantee to conduct a loan transaction, synchronizing the first party's default record to the fund management credit information system and inputting a credit stain, thereby increasing the first party Default cost.
  • the peers provide the second participant to replace the first party part of the repayment method, which can alleviate the short-term financial pressure of the first party and improve the possibility of successful repayment.
  • the frozen funds corresponding to the bank letter will be allocated to the fund management account, and the second party will bear the loss of the non-return loan, thereby reducing the risk of loan funds and making the loan transaction safer.
  • FIG. 1 is a flowchart of a method for processing a loan repayment according to an embodiment of the present invention.
  • FIG. 2 is a flowchart of another method for processing a loan repayment according to an embodiment of the present invention.
  • FIG. 3 is a block diagram of a repayment processing system according to an embodiment of the present invention.
  • FIG. 4 is a block diagram of another repayment processing system according to an embodiment of the present invention. Embodiments of the 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.
  • 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.
  • a money management agency is one that supports financial flows, including but not limited to banks and other financial institutions (such as securities institutions).
  • 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.
  • 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.
  • 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.
  • 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:
  • 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.
  • 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 by entering the credit smear to the first party, the first party can not use the credit line, thereby increasing the default cost of the first party.
  • 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:
  • step S201 Determine whether all loan funds and loan interest of the first participant within the preset repayment term are received, and if yes, execute step S202, otherwise step S204 is performed.
  • S202 Unfreezing all the frozen funds of the silver credit, and allocating the loan interest in the second participant account and the bank loan account according to a preset rule.
  • the bank server unfreezes all the frozen funds corresponding to the bank letter, and the frozen funds and the corresponding current interest are The second participant account automatically becomes available in the account.
  • the bank server is in accordance with the preset rules. 2. Participant accounts and bank loan accounts are allocated loan interest.
  • S203 Synchronize the first party to the bank credit information system according to the approximate loan repayment record, increase the credit level of the first party, and go to step S213.
  • This step can encourage the first party to actively repay the loan by increasing the credit level of the first party.
  • S204 Perform a dunning to the first participant within a preset dunning period.
  • 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.
  • step S205 Determine whether the notification of the second participant is replaced by the second participant in the preset dunning period, and if yes, execute step S206, otherwise step S208 is performed.
  • the first participant and the second participant may reach an agreement offline, and the second participant replaces the first participant part of the repayment within the preset dunning period to provide a more flexible repayment method. Alleviate the short-term financial pressure of the first party and improve the possibility of successful loan repayment.
  • the bank server increases the credit level of the second participant to activate the second participant.
  • the loan interest corresponding to the above-mentioned partially frozen funds and the late payment fee during the dunning period may be allocated in the second participant account and the bank loan account according to a preset rule.
  • S208 Determine whether the remaining repayment of the first participant within the preset dunning period is received. If yes, go to step S209, otherwise go to step S211.
  • the bank server unfreezes the remaining frozen funds corresponding to the bank letter, and the remaining frozen funds and corresponding The current interest automatically becomes available in the second participant's account.
  • S210 The loan interest is allocated in the second participant account and the bank loan account according to a preset rule, and the late payment fee in the dunning period is performed, and step S213 is performed.
  • the current interest during the freezing of the funds is automatically calculated in the second participant's account and becomes available after the frozen funds of the defrosted silver letter.
  • the interest on the loan is transferred to the bank loan account by the same party who repaid the first party.
  • the second party and the bank can also agree on the allocation of loan benefits and redistribute according to the agreed method.
  • a late payment fee for the first party's deferred repayment may be charged.
  • S212 Synchronize the record of the first party default to the bank credit information system, and reduce the credit level of the first party.
  • the first party's default record is synchronized to the bank credit information system, and the first participant is unable to use the credit line by inputting the credit smear to the first party, thereby further improving the first party's
  • the cost of default reduces the possibility of default by the first party.
  • the second party participant and the bank loan account are allocated the loan interest according to the agreed rules. If the first party fails to repay the loan, the bank letter will remain frozen for a fixed period (the dunning period), and the bank will reimburse the first party through the labor or bank server.
  • Repayment of the remaining funds within the dunning period (bank dunning success)
  • the bank letter is still unfrozen, the second party and the bank distribute the loan interest and late payment fee as agreed; if the first party does not press during the dunning period ⁇ Repayment (failure of bank dunning), the remaining frozen funds corresponding to the bank letter will be transferred to the bank loan account, and the second party will bear the loss of the loan, thus protecting the interests of the bank.
  • the remaining frozen funds corresponding to the silver letter will be released to the bank loan account, and the second party It is responsible for the loss of the loan, so as to ensure the interests of the bank and make the loan transaction safer.
  • a repayment processing system provided by an embodiment of the present invention is applied to a fund management server.
  • the system includes a receiving module 10, a repayment processing module 20, and a default processing module 30.
  • the receiving module 10 is configured to receive a notification that the second participant replaces the first party part repayment, and the first party's repayment.
  • the repayment processing module 20 is configured to: after receiving the notification that the second participant replaces the repayment of the first participant part, allocate the partially frozen funds corresponding to the banknote according to the repayment amount to the fund management account, wherein, the silver
  • the letter of credit is an electronic commitment payment certificate 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.
  • 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 and late payment fees during the collection period.
  • 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.
  • 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.
  • a late payment fee for the first party's deferred repayment may be charged.
  • the default processing module 30 is configured to allocate the remaining frozen funds corresponding to the silver letter to the fund management account if the remaining payment is not received after the preset dunning period is exceeded, and record the default of the first party Synchronized to the fund management credit system.
  • the system further includes a dunning module 40 and a credit management module 50.
  • the dunning module 40 is arranged to reimburse the first party for the loan within the preset dunning period.
  • 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 Send email notification by e-mail, push software information to the software program client registered with the first party, and participate in the first participation
  • the preset mobile number sends a short message notification, sends a QQ message to the QQ number preset by the first participant, or sends a message to the micro signal preset by the first participant.
  • the dunning module 40 can be omitted by manual offline.
  • the credit management module 50 is configured to increase the credit level of the second participant if the second participant receives the notification of the first participant part repayment, and may also be set to if the preset dunning period is exceeded The remaining repayments were not received, reducing the credit level of the first party.
  • the present invention provides an intelligent financial lending transaction system, introduces a bank credit guarantee to conduct a loan transaction, synchronizes the first party's default record to the fund management credit information system, and can increase the default cost of the first party.
  • the peers provide the second party to replace the first party part of the repayment method, which can alleviate the short-term capital pressure of the first party and improve the possibility of repayment success, thereby reducing the risk of loan funds and making the loan transaction safer.
  • the subsequent credit line cannot be used, thereby further increasing the default cost of the first party.
  • the credit level of the second party is increased, and the second party is encouraged to actively repay the loan on behalf of the first party, thereby further improving the repayment success.
  • the possibility Moreover, in the case of default by the first party, the remaining frozen funds corresponding to the silver letter will be released to the bank loan account, and the second party will bear the loss of the loan, thereby ensuring the interests of the bank and making the loan Trading is safer. Therefore, it has industrial applicability.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé et un système de traitement de remboursement, qui se rapportent au domaine technique des finances. Le procédé consiste à : après réception d'une notification selon laquelle un second participant rembourse partiellement à la place d'un premier participant, transférer une partie des fonds bloqués correspondant à un certificat de crédit bancaire à un compte de gestion de fonds selon un montant de remboursement (S101) ; si le reste d'un remboursement n'a pas été reçu après qu'une date limite de requête de paiement prédéfinie a été dépassée, transférer le reste des fonds bloqués correspondant au certificat de crédit bancaire au compte de gestion de fonds, et synchroniser un enregistrement d'une défaillance par le premier participant dans un système d'informations de crédit de gestion de fonds (S102). Le procédé introduit le certificat de crédit bancaire pour garantir la transaction de prêt, augmente les coûts de défaillance du premier participant, fournit un moyen flexible au second participant pour rembourser partiellement à la place du premier participant, et augmente la fiabilité de la réussite du remboursement, ce qui permet de réduire le risque au niveau des fonds de prêt, et permet à la transaction de prêt d'être plus sécurisée.
PCT/CN2015/080400 2015-05-29 2015-05-29 Procédé et système de traitement de remboursement WO2016191980A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/CN2015/080400 WO2016191980A1 (fr) 2015-05-29 2015-05-29 Procédé et système de traitement de remboursement
CA2987303A CA2987303C (fr) 2015-05-29 2015-05-29 Procede et systeme de traitement de remboursement

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/080400 WO2016191980A1 (fr) 2015-05-29 2015-05-29 Procédé et système de traitement de remboursement

Publications (1)

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WO2016191980A1 true WO2016191980A1 (fr) 2016-12-08

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PCT/CN2015/080400 WO2016191980A1 (fr) 2015-05-29 2015-05-29 Procédé et système de traitement de remboursement

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CA (1) CA2987303C (fr)
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Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1609881A (zh) * 2004-11-22 2005-04-27 陆航程 第三方电讯催缴贷款诚信管理系统使用方法
CN101122986A (zh) * 2006-08-08 2008-02-13 阿里巴巴公司 一种通过网络实现借贷的方法及系统
US20080109347A1 (en) * 2006-08-22 2008-05-08 Pilcher John W System and methods for constructing loans
CN101567071A (zh) * 2008-04-21 2009-10-28 阿里巴巴集团控股有限公司 一种网上交易系统和银行系统的数据交互处理方法及装置
CN104376453A (zh) * 2014-10-29 2015-02-25 中国建设银行股份有限公司 一种网上支付方法和系统
CN104867054A (zh) * 2015-05-29 2015-08-26 深圳市银信网银科技有限公司 还贷处理方法和系统
CN104881809A (zh) * 2015-05-29 2015-09-02 深圳市银信网银科技有限公司 还贷处理方法和系统
CN104915882A (zh) * 2015-05-29 2015-09-16 深圳市银信网银科技有限公司 还贷处理方法和系统

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1609881A (zh) * 2004-11-22 2005-04-27 陆航程 第三方电讯催缴贷款诚信管理系统使用方法
CN101122986A (zh) * 2006-08-08 2008-02-13 阿里巴巴公司 一种通过网络实现借贷的方法及系统
US20080109347A1 (en) * 2006-08-22 2008-05-08 Pilcher John W System and methods for constructing loans
CN101567071A (zh) * 2008-04-21 2009-10-28 阿里巴巴集团控股有限公司 一种网上交易系统和银行系统的数据交互处理方法及装置
CN104376453A (zh) * 2014-10-29 2015-02-25 中国建设银行股份有限公司 一种网上支付方法和系统
CN104867054A (zh) * 2015-05-29 2015-08-26 深圳市银信网银科技有限公司 还贷处理方法和系统
CN104881809A (zh) * 2015-05-29 2015-09-02 深圳市银信网银科技有限公司 还贷处理方法和系统
CN104915882A (zh) * 2015-05-29 2015-09-16 深圳市银信网银科技有限公司 还贷处理方法和系统

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Publication number Publication date
CA2987303C (fr) 2023-03-14
CA2987303A1 (fr) 2016-12-08

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