FUNDS LENDING TRANSACTION METHOD AND SYSTEM

PROCEDE ET SYSTEME DE TRANSACTION DE PRET DE FONDS

English Abstract

Disclosed are a funds lending transaction method and system. The method
comprises: a
second funds management server generates a bank credit certificate using a
second participant
funds as a deposit wherein the bank credit certificate includes a loan amount
equal to the
freezing funds in second participant account, and sends the bank credit
certificate to a first
funds management server where a first participant is located; the first funds
management server
grants loan funds to the first participant wherein the loan funds equal to the
loan amount of the
bank credit certificate; the first funds management server receives a first
repaid part of the loan
amount from the first participant and sends a repayment notice to the second
funds
management server which then unfreezes a first part of the freezing funds
equal to the repaid
part of the loan amount in the second participant account.

French Abstract

Une méthode et un système de transaction de prêt de fonds sont décrits. La méthode comprend les étapes suivantes : un deuxième serveur de gestion de fonds génère un certificat de crédit bancaire au moyen d'un deuxième fonds participant comme dépôt, le certificat comprenant un montant de prêt égal aux fonds bloqués dans le deuxième compte participant et envoie le certificat à un premier serveur de gestion de fonds où un premier participant est situé; le premier serveur accorde la somme de prêt au premier participant, la somme étant égale au montant de prêt du certificat; le premier serveur reçoit une première partie remboursée du montant de prêt du premier participant et envoie un avis de remboursement au deuxième serveur de gestion de fonds, qui débloque une première partie des fonds bloqués égale à la partie remboursée du montant de prêt dans le deuxième compte participant.

Claims

Claims:
1. A computer-implemented financial technology method for safer and more
convenient
data processing in computer-implemented lending transactions, the method
including a
first participant, a second participant, a second terminal associated with the
second
participant, a first funds management server and a second funds management
server, the
method comprising:
the second terminal sends a request including electronic request data to open
an
electronic commitment payment certificate to the second funds management
server, the
electronic request data including a loan demand agreed to between the first
participant
and the second participant via an online platform;
the second funds management server generates the electronic commitment payment

certificate using second participant funds as a deposit, wherein the
electronic
commitment payment certificate includes electronic certificate data including
a loan
amount equal to the loan demand, a loan term, and loan interest conditions,
and wherein
the electronic commitment payment certificate is opened by taking the second
participant
funds as a deposit;
the second funds management server freezes the second participant funds used
as a
deposit upon generating the electronic commitment payment certificate,
freezing the
second participant funds including issuing freezing data putting the second
participant
funds corresponding to the electronic commitment payment certificate in an
unusable
state in the second participant account;
the second funds management server sends the electronic commitment payment
certificate including the electronic certificate data to the first funds
management server;
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the first funds management server issues first issued loan funds to the first
participant
according to the electronic certificate data of the electronic commitment
payment
certificate, the first issued loan funds equal to the loan amount of the
electronic
commitment payment certificate according to the electronic certificate data;
the first funds management server receives electronic repayment data including
a first
repaid part of the loan amount from the first participant and sends electronic
repayment
notice data to the second funds management server indicatrng receipt of the
electronic
repayment data;
after receiving the electronic repayment notice data, the second funds
management server
generates electronic unfreezing data to unfreeze a first part of the frozen
funds
corresponding to the electronic certificate data of the electronic commitment
payment
certificate in the second participant account equal to the repaid part of the
loan amount
according to the electronic repayment data, wherein the unfrozen first part of
the frozen
funds corresponding to the electronic certificate data of the electronic
commitment
payment certificate is automatically made available by the second funds
management
server in the second participant account upon unfreezing.
2. The method of claim 1 further comprising:
the second funds management server allocates electronic data representing
remaining
freezing funds corresponding to the electronic certificate data of the
electronic
commitment payment certificate to a first fund management account when
remaining
electronic repayment data including a remaining loan amount has not been
received after
a repayment period is exceeded, wherein the remaining loan amount equals the
repaid
part of the loan amount subtracted from the loan amount.
3. The method of claim 2 further comprising:
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the first funds management server sends electronic default data including a
notification of
default to the second funds management server.
4. The method of any one of claims 1 to 3, wherein the electronic commitment
payment
certificate is an electronic commitment payment certificate that is applied by
the second
parficipant to the funds management server, and wherein the electronic
certificate data
generated by the funds management server with the account funds or credit
amount of
the second participant as a deposit.
5. The method of any one of claims 1 to 4, wherein the electronic repayment
data received
by the first funds management server includes the first participant's full
repayments
within the pre-set repayment period.
6. The method of any one of claims 1 to 4, wherein the electronic repayment
data received
by the first funds management server includes a part of repayment of the first
participant
within a pre-set repayment period.
7. The method of any one of claims 1 to 4, wherein the electronic repayment
data received
by the first Funds management server includes the remaining repayment of the
first
participant within a pre-set repayment period.
8. The method of any one of claims 1 to 4, wherein the electronic repayment
data received
by the first funds management server includes the first participant's full
repayments
within the pre-set requesting payment period.
9. The method of any one of claims 1 to 4, wherein the electronic data
received by the first
funds management server includes a part of repayment of the first participant
within a
pre-set requesting payment period.
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10. The method of any one of claims 1 to 4, wherein the electronic repayment
data received
by the first funds management server includes the remaining repayment of the
first
participant within a pre-set requesting payment period.
11. The method of any one of claims 5 to 10, wherein the full repayment
includes electronic
data on loan funds and loan interest.
12. The method of any one of claims 5 to 10, wherein the part of repayment
amount is the
sum of all the loan interest and a part of the loan funds.
13. The method of claim 1 further includes:
the first participant receives repayment request information within a pre-set
requesting
repayment period when the remaining loan has not been received after the
repayment
period is exceeded.
14. The method of claim 1 further includes:
if electronic repayment data representing part of repayment has been received
within a
repayment period, determining whether further electronic repayment data
representing
remaining repayments will be received within the repayment period.
15. The method of claim 14, wherein if the electronic repayment data
representing repayment
is not received within a repayment period, the method includes:
requesting repayment within the repayment period.
16. The method of claim 1 further includes:
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allocating electronic data representing the remaining frozen funds
corresponding to the
electronic certificate data of the electronic commitment payment certificate
to the first
funds management account when sending electronic default data to the second
funds-
management server.
17. The method of claim 16, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating electronic data
representing the full
repayments within the pre-set repayment period on behalf of the first
participant.
18. The method of claim 16, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating electronic data
representing a part of
repayment within a pre-set repayment period on behalf of the first
participant.
19. The method of claim 16, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating electronic data
representing remaining
repayment within a pre-set repayment period on behalf of the first
participant.
20. The method of claim 16, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating electronic data
representing the full
repayments within the pre-set requesting payment period on behalf of the first
participant.
21. The method of claim 16, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating electronic data
representing a part of
repayment within a pre-set requesting payment period on behalf of the first
participant.
22. The method of claim 16, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating electronic data
representing the
remaining repayment within a pre-set requesting payment period on behalf of
the first
participant.
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23. The method of any one of claims 17 to 22, wherein the electronic data
representing the
full repayment includes loan funds and loan interest.
24. The method of any one of claims 17 to 22, wherein the electronic data
representing the
part of repayment amount is the sum of all the loan interest and a part of the
loan funds.
25. The method of claim 1 further comprising:
electronic default record data of the first participant is synchronized to a
Funds
Management Credit System when the remaining loan has not been received after
the
repayment period is exceeded; and
reducing the credit rating of the first participant.
26. The method of claim 1 further comprising:
allocating electronic data representing loan interest and deposit interest to
the second
participant's account and the first fund management's account according to a
pre-set rule
when the electronic data representing the repayment by the first participant
within the
pre-set repayment period is received.
27. The method of claim 1 further comprising:
allocating electronic data representing loan interest, deposit interest and a
delay fee to the
second participant's account and the first fund management's account according
to a pre-
set rule when the electronic data representing repayment by the first
participant within
the pre-set requesting repayment period is received.
28. The method of any one of claims 1 to 27, wherein the first funds
management server and
the second funds management are the same funds management server.
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29. The method of any one of claims 1 to 28, wherein the first participant is
a borrower.
30. The method of any one of claims 1 to 29, wherein the second participant is
an
organization that intends to initiate a loan intention with the first
participant.
31. The method of any one of claims 1 to 30, wherein the funds management
server includes
a bank server.
32. The method of any one of claims 1 to 30, wherein the funds management
server includes
a financial institution's server.
33. The method of any one of claims 1 to 32, wherein the second participant
refers to an
individual that initiates a lending intention to the first participant.
34. The method of any one of claims 1 to 33, wherein the frozen funds are
unavailable to the
second participant.
35. The method of any one of claims 1 to 34, wherein electronic interest data
representing the
deposit interest is still collected by the second participant during the
freezing period.
36. The method of any one of claims 1 to 34, wherein electronic interest data
representing the
deposit interest corresponding to all the frozen funds is paid separately to
the second
participant.
37. The method of any one of claims 1 to 34, wherein electronic interest data
representing the
deposit interest corresponding to all the frozen funds is paid together to the
second
participant.
38. A computer-implemented financial technology method for safer and more
convenient
data processing in fund lending transactions, the method executed by a funds
management server, the method comprising:
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receiving an electronic commitment payment certificate including electronic
certificate
data generated by a second funds management server using second participant
funds as a
deposit and including a loan amount, a loan term, and loan interest
conditions, wherein
the loan amount is equal to a loan demand agreed to between a first
participant and a
second participant via an online platform, and wherein the electronic
commitment
payment certificate is opened by taking the second participant funds as a
deposit;
issuing electronic issuance data representing first issued loan funds to a
first participant
according to the electronic commitment payment certificate after receiving the
electronic
certificate data of the electronic commitment payment certificate; and
receiving electronic repayment data including a first repaid part of the loan
amount from
the first participant;
sending electronic repayment notice data including a repayment notice to the
second
funds management server indicating receipt of the electronic repayment data
including
the first repaid part of the loan amount;
after receiving the electronic repayment notice data, unfreezing a first part
of the freezing
funds corresponding to the electronic commitment payment certificate in the
second
participant account equal to the repaid part of the loan amount, wherein the
unfrozen first
part of the freezing funds corresponding to the electronic commitment payment
certificate is automatically made available by the second funds management
server in the
second participant account upon unfreezing.
39. The method of claim 38 further comprising:
allocating the electronic data representing the corresponding remaining frozen
funds of
the electronic commitment payment certificate to the first fund management
account
when electronic loan data representing the remaining loan has not been
received after the
repayment period is exceeded.
Date Recue/Date Received 2022-1 1-1 1

40. The method of any one of claims 38 to 39, wherein the electronic
commitment payment
certificate is an electronic commitment payment certificate that is applied by
the second
participant to the fi nds management server and generated by the funds
management
server with the account funds or credit amount of the second participant as a
deposit.
41. The method of any one of claims 38 to 40, wherein electronic data
representing the
repayment of the first participant received by the first funds management
server includes
the first participant's full repayments within the pre-set repayment period.
42. The method of any one of claims 38 to 40, wherein electronic data
representing the
repayment of the first participant received by the first funds management
server includes
a part of repayment of the first participant within a pre-set repayment
period.
43. The method of any one of claims 38 to 40, wherein electronic data
representing the
repayment of the first participant received by the first Funds management
server includes
the remaining repayment of the first participant within a pre-set repayment
period.
44. The method of any one of claims 38 to 40, wherein electronic data
representing the
repayment of the first participant received by the first funds management
server includes
the first participant's full repayments within the pre-set requesting payment
period.
45. The method of any one of claims 38 to 40, wherein electronic data
representing the
repayment of the first participant received by the first funds management
server includes
a part of repayment of the first participant within a pre-set requesting
payment period.
46. The method of any one of claims 38 to 40, wherein electronic data
representing the
repayment of the first participant received by the first funds management
server includes
the remaining repayment of the first participant within a pre-set requesting
payment
period.
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47. The method of any one of claims 38 to 46, wherein electronic data
representing the full
repayment includes loan funds and loan interest.
48. The method of any one of claims 38 to 46, wherein electronic data
representing the part
of repayment amount is the sum of all the loan interest and a part of the loan
funds.
49. The method of claim 38 further includes:
if electronic data representing part of repayment has been received within a
repayment
period, determining whether electronic data representing remaining repayments
will be
received within the repayment period.
50. The method of claim 49, wherein if electronic data representing repayment
is not
received within a repayment period, the method includes requesting the
electronic data
representing the repayment within the repayment period.
51. The method of claim 38 further includes:
allocating electronic data representing the remaining frozen funds
corresponding to the
electronic commitment payment certificate to the first funds management
account when
sending electronic default notification data to the second funds-management
server.
52. The method of claim 51, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating the full repayments within
the pre-set
repayment period on behalf of the first participant.
53. The method of claim 51, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating a part of repayment within
a pre-set
repayment period on behalf of the first participant.
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54. The method of claim 51, wherein allocating electronic data representing
the the
remaining frozen funds further includes allocating the remaining repayment
within a pre-
set repayment period on behalf of the first participant.
55. The method of claim 51, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating the full repayments within
the pre-set
requesting payment period on behalf of the first participant.
56. The method of claim 51, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating a part of repayment within
a pre-set
requesting payment period on behalf of the first participant.
57. The method of claim 51, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating the remaining repayment
within a pre-
set requesting payment period on behalf of the first participant.
58. The method of any one of claims 51 to 57, wherein the electronic data
representing the
full repayment includes loan funds and loan interest.
59. The method of any one of claims 51 to 58, wherein the electronic data
representing the
part of repayment amount is the sum of all the loan interest and a part of the
loan funds.
60. The method of claim 38 further comprising:
the electronic default record data of the first participant is synchronized to
a Funds
Management Credit System when the electronic data representing the remaining
loan has
not been received after the repayment period is exceeded; and
reducing the credit rating of the first participant.
61. The method of claim 38 further comprising:
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allocating electronic data representing loan interest and deposit interest to
the second
participant's account and the first fund management's account according to a
pre-set rule
when the electronic data representing the repayment by the first participant
within the
pre-set repayment period is received.
62. The method of claim 38 further comprising:
allocating electronic data representing loan interest, deposit interest and a
delay fee to the
second participant's account and the first fund management's account according
to a pre-
set rule when the electronic data representing the repayment by the first
participant
within the pre-set requesting repayment period is received.
63. The method of any one of claims 38 to 62, wherein the first funds
management server
and the second funds management are the same funds management server.
64. The method of any one of claims 38 to 63, wherein the first participant is
a borrower.
65. The method of any one of claims 38 to 64 wherein the second participant is
an
organization that intends to initiate a loan intention with the first
participant.
66. The method of any one of claims 38 to 65, wherein the funds management
server
includes a bank server.
67. The method of any one of claims 38 to 66, wherein the funds management
server
includes a financial institution's server.
68. The method of any one of claims 38 to 67, wherein the second participant
refers to an
individual that initiates a lending intention to the first participant.
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69. The method of any one of claims 38 to 68, wherein the frozen funds are
unavailable to
the second participant.
70. The method of any one of claims 38 to 69, wherein the electronic data
representing the
deposit interest is still collected by the second participant during the
freezing period.
71. The method of any one of claims 38 to 70, wherein the electronic data
representing the
deposit interest corresponding to all the frozen funds is paid separately to
the second
participant.
72. The method of any one of claims 38 to 70, wherein the electronic data
representing the
deposit interest corresponding to all the frozen funds is paid together to the
second
participant.
73. A computer-implemented financial technology system for safer and more
convenient data
processing in fund lending transactions, the system comprising:
an issuing request module configured to:
send a request including electronic request data to issue an electronic
commitment payment certificate including electronic certificate data to a
second funds management server, the electronic request data including a loan
demand agreed to between a first participant and a second participant via an
online platform;
an issuance processing module configured to:
open the electronic commitment payment certificate using second participant
funds as a deposit, wherein the electionic commitment payment certificate
includes a loan amount equal to the loan demand, a loan term, and loan
interest
conditions; and
Date Recue/Date Received 2022-1 1-1 1

send the electronic commitment payment certificate including the electronic
certificate data to a first funds management server;
a lending processing module configured to:
issue electronic data representing first issued loan funds to the first
participant
according to the electronic certificate data of the electronic commitment
payment certificate, the first issued loan funds equal to the loan amount of
the
electronic commitment payment certificate;
a first loan repayment processing module configured to:
send electronic repayment notice data to the second funds management server
indicating receipt of electronic data representing a first repaid part of the
loan
amount from the first participant;
a second loan repayment processing module configured to:
unfreeze a first part of the freezing funds corresponding to the electronic
commitment payment certificate in the second participant account equal to the
repaid part of the loan amount of the electronic commitment payment
certificate, wherein the unfrozen first part of the freezing funds
corresponding
to the electronic commitment payment certificate is automatically made
available in the second participant account upon unfreezing;
a first default processing module configured to:
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send electronic default notification data to the second funds management
server
when electronic data representing a remaining loan amount has not been
received after a repayment period is exceeded, wherein the electronic data
representing the remaining loan amoi nt is equal to the electronic data
representing the first repaid part of the loan amount subtracted from the loan

amount;
a second default processing module configured to:
automatically allocate electronic data representing remaining freezing funds
corresponding to the electronic certificate data of the electronic commitment
payment certificate in the second participant account to a first funds
management account when the electronic data representing the remaining loan
amount has not been received after the repayment period is exceeded, and
wherein the electronic data representing the remaining freezing funds
corresponding to the electronic commitment payment certificate is equal to the

electronic data representing the remaining loan amount.
74. The system of claim 73 further comprising:
a requesting payment module configured to:
send electronic repayment request data to the first participant to make
repayment of the electronic data representing the remaining loan amount
within a pre-set repayment period when the electronic data representing the
remaining loan amount has not been received after the repayment period is
exceeded;
an instalment replenishment module configured to:
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if electronic data representing partial repayment has been received within a
repayment
period, determine whether further electronic data representing remaining
repayments
will be received within the repayment period.
if the further electronic data is not received within a repayment period,
request
the further electronic data within the repayment period.
a first credit management module configured to:
synchronize electronic default record data of the first participant to a Funds

Management Credit System when the electronic data representing remaining
loan amount has not been received after the pre-set repayment period is
exceeded; and
reduce a credit rating of the first participant in the Funds Management Credit

System.
alternative repayment module configured to:
allocate the electronic data representing the remaining frozen funds
corresponding to the
electronic commitment payment certificate to the first funds management
account when
sending the electronic default notification data to the second funds-
management server.
a benefit allocation module configured to:
allocate loan interest and deposit interest to the second participant account
and
the first fund management account according to a pre-set rule when the
electronic data representing the remaining loan amount is received from the
first participant within the pre-set repayment period.
75. The system of claim 74 , wherein the benefit allocation module is further
configured to:
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allocate electronic data representing loan interest, deposit interest and a
delay
fee to the second participant account and the first fund management account
according to a pre-set rule when the electronic data representing the
remaining
loan amount is received from the first participant within the pre-set
requesting
repayment period.
76. The system of any one of claims 73 to 75, wherein the electronic
commitment payment
certificate is an electronic commitment payment certificate that is applied by
the second
participant to the funds management server and generated by the funds
management
server with the account funds or credit amount of the second participant as a
deposit.
77. The system of any one of claims 73 to 76, wherein the electronic data
representing the
repayment of the first participant received by the first funds management
server includes
electronic data representing the first participant's full repayments within
the pre-set
repayment period.
78. The system of any one of claims 73 to 76, wherein the electronic data
representing the
repayment of the first participant received by the first funds management
server includes
electronic data representing partial repayment of the first participant within
a pre-set
repayment period.
79. The system of any one of claims 73 to 76, wherein the electronic data
representing the
repayment of the first participant received by the first Funds management
server includes
the electronic data representing the remaining repayment of the first
participant within a
pre-set repayment period.
80. The system of any one of claims 73 to 76, wherein the electronic data
representing the
repayment of the first participant received by the first funds management
server includes
the electronic data representing the first participant's full repayments
within the pre-set
requesting payment period.
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81. The system of any one of claims 73 to 76, wherein the electronic data
representing the
repayment of the first participant received by the first funds management
server includes
electTonic data representing partial repayment of the first participant within
a pre-set
requesting payment period.
82. The system of any one of claims 73 to 76, wherein the electronic data
representing the
repayment of the first participant received by the first funds management
server includes
the electronic data representing the remaining repayment of the first
participant within a
pre-set requesting payment period.
83. The system of any one of claims 77 to 82, wherein the electronic data
representing the
full repayment includes loan funds and loan interest.
84. The system of any one of claims 77 to 82, wherein the electronic data
representing the
partial repayment amount is the sum of all the loan interest and a part of the
loan funds.
85. The system of claim 74, wherein allocating the electronic data
representing the remaining
frozen funds further includes allocating the full repayments within the pre-
set repayment
period on behalf of the first participant.
86. The system of claim 74, wherein allocating the electronic data
representing the
remaining frozen funds further includes allocating a part of repayment within
a pre-set
repayment period on behalf of the first participant.
87. The system of claim 74, wherein allocating the electronic data
representing the remaining
frozen funds further includes allocating the remaining repayment within a pre-
set
repayment period on behalf of the first participant.
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88. The system of claim 74, wherein allocating the electronic data
representing the remaining
frozen funds further includes allocating the full repayment within the pre-set
requesting
payment period on behalf of the first participant.
89. The system of claim 74, wherein allocating the electronic data
representing the remaining
frozen funds further includes allocating a part of repayment within a pre-set
requesting
payment period on behalf of the first participant.
90. The system of claim 74, wherein allocating the electronic data
representing the remaining
frozen funds further includes allocating the remaining repayment within a pre-
set
requesting payment period on behalf of the first participant.
91. The system of any one of claims 73 to 90, wherein the first funds
management server and
the second funds management are the same funds management server.
92. The system of any one of claims 73 to 91, wherein the first participant is
a borrower.
93. The system of any one of claims 73 to 92, wherein the second participant
is an
organization that intends to initiate a loan intention with the first
participant.
94. The system of any one of claims 73 to 93, wherein the funds management
server includes
a bank server.
95. The system of any one of claims 73 to 94, wherein the funds management
server includes
a financial institution's server.
96. The system of any one of claims 73 to 95, wherein the second participant
refers to an
individual that initiates a lending intention to the first participant.
97. The system of any one of claims 73 to 96, wherein the frozen funds are
unavailable to the
second participant.
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98. A computer-implemented financial technology system for safer and more
convenient data
processing in fund lending transactions, the system comprising:
a lending processing module configured to:
receive an electronic commitment payment certificate including electronic
certificate data generated using second participant funds as a deposit, the
electronic certificate data including a loan amount, a loan term, and loan
interest conditions, wherein the loan amount is equal to a loan demand agreed
to between a first participant and a second participant via an online
platform,
and wherein the electronic commitment payment certificate is opened by
taking the second participant funds as a deposit;
issue electronic data representing first issued loan funds to the first
participant
according to the electronic certificate data of the electronic commitment
payment certificate, the first issued loan funds equal to the loan amount of
the
electronic commitment payment certificate;
a repayment processing module configured to:
unfreeze a first part of the freezing funds corresponding to the electronic
certificate data of the electronic commitment payment certificate in the
second
participant account equal to a first repaid part of the loan amount repaid by
the
first participant, wherein the unfrozen first part of the freezing funds
corresponding to the electronic certificate data of the electronic commitment
payment certificate is automatically made available in the second participant
account upon unfreezing;
a default processing module configured to:
32
Date Recue/Date Received 2022-1 1-1 1

automatically allocate electronic data representing remaining freezing funds
corresponding to the electronic commitment payment certificate in the second
participant account to a fund management account when electronic data
representing a remaining loan amount has not been received after a repayment
period is exceeded, wherein the electronic data representing the remaining
loan amount is equal to the electronic data representing the first repaid part
of
the loan amount subtracted from the loan amount, and wherein the remaining
frozen funds is equal to the remaining loan amount.
99. The system of claim 98, wherein the electronic commitment payment
certificate is an
electronic commitment payment certificate that is applied by the second
participant to the
funds management server and generated by the funds management server with the
account funds or credit amount of the second participant as a deposit.
100.The system of any one of claims 98 to 99, wherein the first participant is
a borrower.
101.The system of any one of claims 98 to 100, wherein the second participant
is an
organization that intends to initiate a loan intention with the first
participant.
102.The system of any one of claims 98 to 101, wherein the funds management
server
includes a bank server.
103.The system of any one of claims 98 to 101, wherein the funds management
server
includes a financial institution's server.
104.The system of any one of claims 98 to 103, wherein the second participant
refers to an
individual that initiates a lending intention to the first participant.
105.The system of any one of claims 98 to 104, wherein the frozen funds are
unavailable to
the second participant.
33
Date Recue/Date Received 2022-1 1-1 1

Description

Title: Funds Lending Transaction Method and System
Technical Field
[0001] The present invention belongs to the field of financial technology, and
in particular, to a
method and system for lending funds.
Background Technology
[0002] Traditional lending generally refers to a way in which funds are lent
to the debtor to
receive fixed income, mainly including bank lending and private lending. When
the debtor
initiates the settlement requirement and the creditor intends to lend to the
debtor, the two
parties shall reach a loan transaction by oral or written agreement. If the
debtor repays the
loan according to the agreed term, the creditor receives the loan principal
and interest if the
debtor fails to repay as per agreed term, its recovery period will be extended
without
limitation. The advantage of traditional borrowing is that there is a fixed
income, but
because of the lack of financial guarantee and regulatory mechanisms,
especially in private
lending activities, the repayment period is extended indefinitely, or the
direct lender is
difficult to recover the loan frequently, resulting in the proliferation of
borrowing default,
and the lender's loan funds are not safeguarded. Moreover, during the period
when the
funds are lent to the debtor from the creditors, the funds are no longer owned
by the
creditors and the creditors do not have any income during the period.
[0003] Thus, at this stage, an improved method of borrowing and lending
transactions is needed to
reduce the risk of loan funds and increase the profits of creditors, making
loan trading
safer.
Technical problem
[0004] In view of the above, the present invention provides a method and
system for funds lending
transactions to solve the technical problems existing in the transactions that
the risk of loan
funds is difficult to control and the proceeds of creditors are difficult to
be guaranteed.
Problem solving solution
Technical solutions
[0005] In order to solve the above technical problems, the present invention
is implemented as
follows:
[0006] According to one aspect of the present invention, there is a method of
funds lending and
transaction comprising the steps of:
[0007] The Second Participant sends a request for opening a Bank Credit
Certificate to the second
Funds-Management server;
1
Date Recue/Date Received 2021-09-10

[0008] The second Funds-Management server takes the Second Participant account
funds or credit
limit as a deposit to open a Bank Credit Certificate, and the Bank Credit
Certificate is sent
to the First Participant's the first Funds-Management server;
[0009] According to the Bank Credit Certificate, the first Funds-Management
server issues the
corresponding amount of loan funds to the First Participant;
[0010] After the first Funds-Management server receives the payment from the
First Participant, it
sends a repayment notification to the second Funds-Management server.
[0011] The second Funds-Management server unfreezes the corresponding frozen
funds of the
Bank Credit Certificate according to the repayment amount, and allocates the
interest of the
loan and the interest of the deposits during the fund freeze according to a
pre-set rule to the
Second Participant account and the first funds management account.
[0012] According to another aspect of this invention, there is a funds lending
transactions method,
and the method is comprised by following steps:
[0013] After receiving the Bank Credit Certificate opened by the Second
Participant, the Bank
Credit Certificate will be taken as guarantee and issued appropriate amount of
loan funds;
to the First Participant
[0014] If the First Participant receives repayments within the pre-set
repayment period, the
freezing of funds corresponding to the Bank Credit Certificate is unfrozen and
the loan
interest and interest of deposits during the financial freeze are distributed
to the Second
Participant account and the fund management account according to a pre-set
rule.
[0015] According to another aspect of the present invention, there is a funds
lending and
transaction system, which includes the following modules: an issuance request
module
located at a second terminal, an issuance processing module located at a
second
Funds-Management server, a loan processing module, a loan processing module
located in
the first Funds-Management server and a first loan repayment processing
module, wherein:
[0016] An issuance request module is configured to send a request for opening
a Bank Credit
Certificate guarantee loan to a second Funds-Management server;
[0017] Issuance processing module is set as the second Funds-Management server
takes the
Second Participant account funds or credit limit as a deposit to open a Bank
Credit
Certificate, and the Bank Credit Certificate is sent to the First
Participant's the first funds
Management server;
[0018] The lending processing module is configured to issue loan funds of a
corresponding
amount to the First Participant according as per the Bank Credit Certificate;
[0019] The first loan repayment processing module is configured to send a
repayment notice to the
second Funds-Management server after receiving payment from the First
Participant;
2
Date Recue/Date Received 2021-09-10

[0020] The second loan repayment processing module is configured to unfreeze
the frozen funds
corresponding to the Bank Credit Certificate according to the repayment amount
and
allocate the loan interest and the deposit interest of funds freezing period
to the Second
Participant account and the first funds management account.
[0021] According to an aspect of the present invention, there is a funds
lending system for use in a
Funds-Management server, and the system includes lending processing module and
loan
repayment processing module, wherein:
[0022] The lending processing module is set to receive the Bank Credit
Certificate applied by the
Second Participant application and opened by the Funds-Management server, the
Bank
Credit Certificate guarantee is used to issue the corresponding amount of loan
funds to the
First Participant;
[0023] The loan repayment processing module is further provided to: if the
repayment from the
First Participant is received within the pre-set requesting payment period,
the frozen funds
corresponding to the Bank Credit Certificate are unfrozen; the loan interest
and deposit
interest of the freezing period will be allocated in the Second Participant
account and the
funds management account as per the pre-set rules.
The beneficial effect of the invention
Beneficial effect
[0024] The present invention provides a lending method and a lending system
which makes the
fund management institution be an actual lender by pulling the funds
management
institution into the lending transaction process, and the data processing
becomes safer and
more convenient. The introduction of the Bank Credit Certificate for guarantee
lending
transactions will not affect the Second Participant's interest in deposits,
safeguarding the
interests of the Second Participant.
A brief description of the drawings
Brief Description
[0025] Figure 1 is a flow chart of a funds lending transactions method
provided by an example of
the present invention;
[0026] Figure 2 is a flow chart of another method of funds lending
transactions method provided
by an example of the present invention.
[0027] Figure 3 is a flow chart of a funds lending transactions method
provided by an example of
the present invention;
[0028] Figure 4 is a module structure diagram of a funds lending transactions
system provided in
an example of the present invention.
[0029] Figure 5 is a module structure diagram of a funds transactions system
provided in an
3
Date Recue/Date Received 2021-09-10

example of the present invention.
[0030] Figure 6 is a module structure diagram of a funds lending transactions
system provided in
an example of the present invention.
Examples of the Invention
Implementation pattern of the present invention
[0031] To make the technical problems, technical solutions and advantages more
apparent and
clearer, the present invention will be described in further detail with
reference to the
accompanying drawings and examples. It is to be understood that the specific
examples
described herein are merely illustrative of the invention and are not intended
to limit the
invention.
[0032] In the present invention, the First Participant is the borrower. The
Second Participant is an
individual or organization that intends to initiate a loan intention with the
First Participant,
but has secured a guarantee in the actual lending transaction. A fund
management
institution is a financial institution that supports capital flows and
transactions and acts as a
lender in a loan transaction. Among them, the Bank Credit Certificate is the
Second
Participant to its account funds or credit limit as a deposit to the Funds-
Management server
and by the Funds-Management server to open the electronic commitment payment
certificate. The Bank Credit Certificate is the funds management institution
promised to
pay in accordance with the conditions of settlement and payment of electronic
credit
credentials. The Bank Credit Certificate can not only use for buying goods,
can also be
used for mortgage guarantees. A fund management institution is an institution
that can
support capital flows, including but not limited to banks and other financial
institutions
(such as securities institutions). Correspondingly, the Funds-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 system or other financial institution
credit system.
[0033] Example 1
[0034] As shown in Figure 1, an example of the present invention provides a
funds lending
transactions method, which comprises the following steps:
[0035] S101, the Second Participant sends a request for opening a Bank Credit
Certificate to the
second Funds-Management server.
[0036] Specifically, the Second Participant is a person who holds the fund and
has the intention of
lending. After reaching an agreement through the online or e-commerce platform
to
respond to the loan demand of the First Participant online, the Second
Participant uses the
account funds or credit limit as credit guarantee and applies to the fund
management
4
Date Recue/Date Received 2021-09-10

institution to open the electronic commitment payment certificate. E-commerce
platform
for the loan bank's e-commerce platform can also be a third-party e-commerce
platform
with business cooperation relationship.
[0037] S102, the second Funds-Management server opens the Bank Credit
Certificate with the
Second Participant account funds or the credit limit as the deposit, and sends
the Bank
Credit Certificate to the first Funds-Management server where the First
Participant is
located.
[0038] Specifically, the second Funds-Management server generates the Bank
Credit Certificate
with the Second Participant account funds or the credit limit as the deposit,
and
simultaneously, the account funds or credit limit of the Second Participant in
the second
fund management institution are frozen. It should be noted that the Second
Participant's
Bank Credit Certificate 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
Participant's current
interest collection during the freezing period. For example, the balance of
the second-party
account is Y300,000, and Y200,000 Bank Credit Certificates are issued to the
Funds-Management server and frozen. However, the Funds-Management server still

calculates the deposit interest on the balance of funds of Y300,000, or the
Funds-Management server uses Y100,000 of the balance of funds to calculate the
Second
Participant deposit interest, and the Bank Credit Certificate's funds deposit
interest during
the freezing period will be calculated separately.
[0039] S103, the first Funds-Management server issues the corresponding amount
of loan funds to
the First Participant according to Bank Credit Certificate.
[0040] Specifically, the First Participant issues loans in accordance with the
Bank Credit
Certificate attached the loan term and agreed loan interest conditions, of
which the amount
of loan funds is equal to the freezing funds associated with the Bank Credit
Certificate.
[0041] S104, after receiving the repayment from the First Participant, the
first Funds-Management
server sends a repayment notice to the second Funds-Management server.
[0042] Specifically, the first Funds-Management server receives the repayments
of the First
Participant account within a predetermined repayment period, and the repayment
amount
includes the full repayment or the partial repayment. If the Funds-Management
server
receives the First Participant account's full amount of principal and all loan
interest, then
the First Participant shall be considered for repayment in full. At this time,
all the funds of
the Bank Credit Certificate will be unfreeze and the Second Participant will
be assigned the
deposit interests during the freezing period of the Bank Credit Certificate,
but also
including some of the agreed loan interest distribution. The repayments
received from the
Date Recue/Date Received 2021-09-10

First Participant include the following cases: the full repayment has received
from the First
Participant within the repayment period, part of repayment has been received
from the First
Participant within the pre-set repayment period, the remaining repayment has
been
received from the First Participant within the pre-set repayment period, the
full amount of
repayment has been received from the First Participant within the pre-set
requesting
payment period, part of repayment has been received from the First Participant
within the
pre-set requesting payment period, part of freezing funds corresponding to the
Bank Credit
Certificate is unfrozen or the remaining repayment has been received from the
First
Participant within the pre-set requesting payment period.
[0043] S105, the second Funds-Management server unfreezes the corresponding
frozen funds of
the Bank Credit Certificate according to the repayment amount, and allocates
the interest of
the loan and the interest of the deposits during the fund freeze according to
a pre-set rule in
the Second Participant account and the funds management account.
[0044] Specifically, the second Funds-Management server unfreezes a part of
the frozen funds
corresponding to the Bank Credit Certificate. At the same time, part of the
unfrozen funds
and the corresponding deposit interest will automatically become available in
the account
of the Second Participant while the remaining funds of the unfreeze Bank
Credit Certificate
remain frozen.
[0045] As a preferred example, in order to request repayment to the First
Participant, the above
method may further include:
[0046] After the first Funds-Management server has not received the remaining
repayments
beyond the pre-set repayment deadline, it is request the First Participant for
repayment
within the pre-set repayment deadline.
[0047] Specifically, the requesting payment notification may be specifically
configured to perform
requesting payment by any one or more of the following: dialling the First
Participant's
default telephone number or mobile phone, sending e-mail notification to the
First
Participant E-mail, pushing message to the registered software program client
of the First
Participant, sending SMS notification to the present mobile number of the
First Participant,
sending message to the QQ number of the First Participant, or sending message
to the
Wechat number of the First Participant.
[0048] As another preferred example, in order to increase the cost for the
First Participant to
postpone the repayment, the above method may further include: if the repayment
by the
First Participant within the pre-set requesting payment period is received,
the rules are set
to allocate loan interest, deposit interest and delay fees to the Second
Participant account
and the first funds management account.
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[0049] As a further preferred example, in order to increase the default cost
of the First Participant,
the above method may further include: if the first funds management server
does not
receive the remaining repayment after exceeding the pre-set requesting payment
period,
sending the default notification to the Second Funds-Management server, and
synchronizing the default record of the First Participant to the fund
management credit
system and reducing the credit level of the First Participant; the second
Funds-Management
server allocates the remaining frozen funds corresponding to the Bank Credit
Certificate to
the first fund management account.
[0050] In this example, the first funds management server and the second funds
management
server are different servers, for example, different bank servers or different
funds
management servers of the same bank at different geographies. Of course, when
the
account of the Second Participant's funds and the loan bank are the same bank,
the first
Funds-Management server and the second Funds-Management server are the same
Funds-Management server.
[0051] According to the method of the example of the present invention, the
Second Participant
participates in a lending transaction process by using a Funds-Management
server in which
his account is located, and sends a Bank Credit Certificate to the First
Participant account
so that the fund management institution becomes an actual lender, and the data
processing
is safer and faster. The introduction of a Bank Credit Certificate for
guarantee lending
transactions, reduces the risk of loan funds, while not affecting the Second
Participant
interest in deposits, and safeguarding the interests of the Second
Participant.
[0052] Example 2
[0053] An example of the present invention is described by taking the first
Funds-Management
server and the second Funds-Management server as the same Funds-Management
server
(hereinafter referred to as the Funds-Management server) as an example. An
example of
the present invention provides a funds lending transactions method for use in
a
Funds-Management server-based, which method comprises the following steps:
[0054] S201, after receiving the Second Participant application and by the
Funds-Management
server to open the Bank Credit Certificate, the Bank Credit Certificate
guarantee will be
used to issue loan funds to the First Participant.
[0055] Specifically, the First Participant is a borrower, that is, a person
who makes a loan request
online or offline, and a Second Participant is a person who wishes to issue a
loan for
money, either offline or online and the First Participant matched the loan
demand, and then
issued a Bank Credit Certificate at a bank or other financial institution. The
Bank Credit
Certificate related to the funds of the Second Participant in the bank, and
the funds can not
7
Date Recue/Date Received 2021-09-10

be used within the loan term. The funds associated with the Bank Credit
Certificate is
guarantee for the bank to issue loans and reduces the loan risk of the bank.
After obtaining
the guarantee of the Bank Credit Certificate, the Funds-Management server
issues a loan to
the First Participant, the amount of the loan is equal to the amount of frozen
funds in
association with the Bank Credit Certificate, and the loan will be issued to
the First
Participant according to the loan term, agreed loan interest, and other
conditions attached
to the Bank Credit Certificate.
[0056] S202, if the repayment by the First Participant within the repayment
deadline is received,
unfreeze the frozen funds corresponding to the Bank Credit Certificate and
allocate loan
interest and deposit interest of the funds freezing period in the Second
Participant's account
and the funds management account as per pre-set rules.
[0057] Specifically, after the Funds-Management server issues the loan, the
loan term, the loan
interest and the allocation rule of the loan interest between the bank and the
Second
Participant are generally agreed with the First Participant, if the Funds-
Management server
receives the repayment fund from the First Participant within the pre-set
repayment period
and the repayment fund needs to include all the principal and loan interest,
the
Funds-Management server will unfreeze the Bank Credit Certificate and follow
the pre-set
rules to issue deposit interest of the freezing period to the Second
Participant's account, and
may also allocate the loan interest stipulated in the pre-set rules to the
Second Participant.
The pre-set repayment period is one of the conditions attached to the Bank
Credit
Certificate or the term condition set in the Funds-Management server according
to the
period required by the Second Participant. The predetermined rule is the rule
of interest
distribution between the Second Participant and the bank. For example, the
rules may
include rules on whether the loan interest on the loan is shared with the bank
or on the
interest collected on the deposit of the bank loan during the Bank Credit
Certificate
freezing period.
[0058] In the example of the present invention, by pulling the fund management
institution into
the lending transaction process, the Second Participant applies for opening a
Bank Credit
Certificate to the First Participant account through the Funds-Management
server where
the account of the Second Participant is located, so that the fund management
institution
becomes the actual lender, and the data processing is safer and faster. The
introduction of a
Bank Credit Certificate for guarantee lending transactions, reduces the risk
of loan funds,
while not affecting the Second Participant interest in deposits, and
safeguarding the
interests of the Second Participant.
[0059] Example 3
8
Date Recue/Date Received 2021-09-10

[0060] As shown in Figure 3, an example of the present invention provides a
funds lending
transactions method for use in a Funds-Management serve, which method
comprises the
following steps:
[0061] S301, after receiving the Bank Credit Certificate applied and opened by
the Second
Participant, the loan amount is granted to the First Participant party with
the Bank Credit
Certificate as a guarantee.
[0062] S302, determine whether to receive the remaining repayments within a
pre-set repayment
period, and if yes, execute step S303; otherwise, execute step S305.
[0063] S303, unfreezing the freezing amount corresponding to the Bank Credit
Certificate.
[0064] S304, allocating loan interest and deposit interest to the Second
Participant and the fund
account according to a pre-set rule, and raising the credit level of the First
Participant, and
then proceeding to step S311.
[0065] S305, the remaining party will request the First Participant to make
repayment within the
default requesting payment period.
[0066] Specifically, the requesting payment notification may be specifically
configured to perform
requesting payment by any one or more of the following: dialling the First
Participant's
default telephone number or mobile phone, sending e-mail notification to the
First
Participant E-mail, pushing message to the registered software program client
of the First
Participant, sending SMS notification to the present mobile number of the
First Participant,
sending message to the QQ number of the First Participant, or sending message
to the
Wechat number of the First Participant.
[0067] S306, determine whether the First Participant's remaining repayments
are received within a
pre-set requesting payment period. If yes, execute step S307; otherwise,
execute step S309.
[0068] S307, unfreezing the remaining frozen funds corresponding to the Bank
Credit Certificate.
[0069] S308, assigning loan interest, deposit interest and delay fee to the
Second Participant
account and the second Funds-Management server account according to a pre-set
rule, and
proceeding to step S311.
[0070] Specifically, due to the characteristics of the Bank Credit
Certificate, the deposit interest
during the freezing period is automatically calculated in the Second
Participant account and
becomes available when the frozen funds are de-frozen. And the loan interest
is transferred
by the First Participant to the fund management account at the same time. Of
course, the
Second Participant and the fund management institution can also be another
agreement on
the distribution of loan benefits, in accordance with the agreed way to
conduct
redistribution. When the repayment delay, you can also receive a delay fees
for late
payment of funds allocated.
9
Date Recue/Date Received 2021-09-10

[0071] S309, transfer the remaining frozen funds corresponding to the Bank
Credit Certificate to
the Funds-Management server account.
[0072] Synchronize the default record of the First Participant to the bank
credit system, reducing
the credit rating of the First Participant.
[0073] S311, end the process.
[0074] In the example of the present invention, on the basis of the second
example, default
handling and credit management functions are added to further increase the
default cost of
the First Participant and reduce the default risk.
[0075] Example 4
[0076] As shown in Figure 4, an example of the present invention provides a
system for funds
lending transactions. The system includes the following modules: an issuance
request
module 101 located in the second terminal 10; an issuance processing module
201 and the
second loan repayment processing module 202 located in the second Funds-
Management
server 20 and a lending processing module 301 and a loan repayment processing
module
302 located in the first funds management server 30.
[0077] The issuing request module 101 is configured to send a request for
opening a Bank Credit
Certificate guarantee loan to the second Funds-Management server.
[0078] The issuing processing module 201 is configured for the second Funds-
Management server
to open a Bank Credit Certificate with the funds of the Second Participant
account or the
credit limit as the deposit, and send the Bank Credit Certificate to the First
Participant 's
funds management server.
[0079] The lending processing module 301 is configured to issue loan funds of
a corresponding
amount to the First Participant according to the Bank Credit Certificate.
[0080] The first loan repayment processing module 302 is configured to send a
repayment notice
to the second Funds-Management server if the repayment of the First
Participant is
received.
[0081] The second loan repayment processing module 202 is configured to
unfreeze the frozen
funds corresponding to the Bank Credit Certificate according to the repayment
amount, and
allocate loan interest and deposit interest to the Second Participant account
and the first
fund management account according to a pre-set rule.
[0082] Preferably, the second loan repayment processing module 202 is further
configured to, if
the repayment by the First Participant within the pre-set requesting payment
period is
received, according to a pre-set rule between the Second Participant account
and the first
Fund management account allocation of interest on loans, interest on deposits
and delay
fees.
Date Recue/Date Received 2021-09-10

[0083] See Figure 5, as a preferred solution, the system further includes a
first default processing
module 303, a requesting payment module 304, a credit management module 305
located
in the first funds management server, and the second default processing module
203
located in the second funds management server.
[0084] The first default processing module 303 is configured to send a
notification of default to
the second Funds-Management server if no remaining repayments are received
after a
pre-set requesting payment period has expired.
[0085] The default processing module 203 is configured to allocate the
remaining frozen funds
corresponding to the Bank Credit Certificate to the fund management account if
the
remaining repayment is not received after exceeding the pre-set requesting
payment period
and synchronize the default record of the First Participant to the fund
management credit
system.
[0086] The requesting payment module 304 is configured to, when the first
Funds-Management
server does not receive the remaining repayments beyond the pre-set repayment
deadline,
repay the loan to the First Participant within the pre-set repayment period.
[0087] The credit management module 305 is set so that if the remaining
repayment is not
received by the first funds management server after the pre-set requesting
payment period
is exceeded, the default record of the First Participant is synchronized to
the fund
management credit system, and reduce the credit rating of the First
Participant.
[0088] It is important to note that the technical features of the above-
described method in example
1 is applicable in the present apparatus and is not needed to be repeated
here.
[0089] Example 5
[0090] As shown in Figure 6, an example of the present invention provides a
funds lending
transactions system for use in a Funds-Management server, and the system
comprises the
lending processing module 10 and loan repayment processing module 20, where:
[0091] The lending processing module 10 is configured to, after receiving the
Bank Credit
Certificate opened by the Funds-Management server and applied by the Second
Participant
application, issue a loan fund to the First Participant with a Bank Credit
Certificate
guarantee. The loan repayment processing module 20 is configured to unfreeze
the frozen
funds corresponding to the Bank Credit Certificate after receiving the
repayments of the
First Participant within the pre-set repayment period, and allocate loan
interest and deposit
interest of the funds freezing period in the Second Participant account and
the fund
management account according to the pre-set rules.
[0092] Among them, the Bank Credit Certificate takes the Second Participant's
account
funds or credit limit as a deposit, applied to the third Funds-Management
server and by the
11
Date Recue/Date Received 2021-09-10

third Funds-Management server to open the electronic commitment payment
certificate.
[0093] In some examples, the system may further include a requesting payment
module 30 and a
default processing module 40, wherein:
[0094] The requesting payment module 30 is configured to, setting the
repayment is not received
after pre-set loan repayment period is exceeded, it will request repayment to
the First
Participant of the funds management within the pre-set requesting payment
period.
[0095] The default processing module 40 is configured to allocate the
remaining frozen funds
corresponding to the Bank Credit Certificate to the fund management account if
the
remaining repayment is not received after exceeding the pre-set requesting
payment period
and synchronize the default record of the First Participant to the fund
management credit
system.
[0096] It is to be noted that the technical features of the above-described
methods in examples 3
are applicable in the present apparatus and are not repeated here.
[0097] The general technicians of this field can understand and implement all
or parts of steps in
the above-mentioned examples that can complete the procedure by controlling
relevant
hardware, and the said procedure can be stored in a readable storage media of
a computer
such as ROM/RAM, disk and light disk.
[0098] The preferred examples of the present invention have been described
above with reference
to the accompanying drawings, which are not to limit the scope of the present
invention. It
will be apparent to those skilled in the field that various modifications,
equivalents, and
improvements may be made without departing from the scope and spirit of the
invention.
Industrial utility
[0099] Type industry description paragraph is entered here. By providing an
intelligent finance
lending and transaction system, the invention introduces a Bank Credit
Certificate to carry
out secured loan transaction, making the fund management institution become
the actual
lender, and the data processing is safer and faster. The introduction of Bank
Credit
Certificate guarantee loan transactions can reduce the risk of default, while
not affecting
the Second Participant interest in deposits, but also to protect the interests
of the Second
Participant. In the case of the default of the First Participant, the fund
management
institution repays the loan according to the frozen funds of the Bank Credit
Certificate,
which can ensure the safety of the loan funds.
[0100] In the present invention, the repayments in full amount include loan
funds and loan
interest, and the partial repayments amount is the sum of all the loan
interests and part of
the loan funds.
12
Date Recue/Date Received 2021-09-10

Representative Drawing