Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.
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Title: Repayment processing method and system
Technical Field
[0001] The present invention relates to the field of financial technology, and
more particularly to a
method and system for repayment.
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
borrower initiates the settlement requirement and the lender intends to lend
to the borrower,
the two parties shall reach a loan transaction by oral or written agreement.
If the borrower
repays the loan according to the agreed term, the lender receives the loan
principal and
interest if the borrower 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.
[0003] Thus, there is a need for an improved loan repayment approach at this
stage to increase the
borrower's default costs and reduce the risk of loan funds, making lending
transactions
safer.
Technical problem
[0004] In view of this, the technical problem to be solved by the present
invention is to provide a
loan repayment method and system to increase the default cost of the First
Participant and
reduce the risk of the loan fund.
Problem solving solution
Technical solutions
[0005] To solve the above-mentioned technical problems, the technical solution
of the present
invention to solve the above-mentioned technical problems is as follows:
[0006] According to another aspect of this invention, there is a network
payment method based on
the same Funds-Management servers, and the method is comprised by following
steps:
[0007] After receiving the notification for the Second Participant replacing
the First Participant to
make partial repayment within the pre-set repayment period, the part of the
frozen funds
corresponding to the Bank Credit Certificate shall be unfreeze according to
the repayment
amount;
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[0008] After receiving the notice of the Second Participant to pay back the
remaining repayment
in lieu of the First Participant, the remaining funds of the bank credit will
be allocated to
the fund management account;
[0009] If the remaining repayment is not received after the pre-set requesting
payment period, the
remaining frozen funds corresponding to the Bank Credit Certificate are
allocated to the
fund management account and the default record of the First Participant is
synchronized to
the fund management credit system;
[0010] 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.
[0011] According to an aspect of the present invention, there is provided a
loan repayment system
for use in a Funds-Management server comprising the following modules:
[0012] The first repayment processing module is arranged to receive the part
of the repayment of
the Second Participant in lieu of the First Participant within the pre-set
repayment period
after the partial repayment, according to the amount of repayment, part of the
frozen funds
corresponding to the Bank Credit Certificate shall be allocated to the funds
management
account;
[0013] The second repayment processing module is arranged to receive the
notice when the
Second Participant's repayment of the remaining loan in lieu of the First
Participant within
the pre-set repayment period, and then allocate the remaining frozen funds of
the Bank
Credit Certificate to the fund management account.
[0014] The default processing module 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;
[0015] 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 beneficial effect of the invention
Beneficial effect
[0016] The loan reprocessing method and system provided by the present
invention, through the
introduction of Bank Credit Certificate guarantee lending transactions, the
First
Participant's default record synchronization to the funds management credit
system,
thereby increasing the First Participant default costs. At the same time,
providing the
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Second Participant instead of the First Participant's partial repayment method
can alleviate
the short-term capital pressure of the First Participant and increase the
possibility of
repayment success. In case of default by the First Participant, the Second
Participant shall
bear the losses of the non-repayment loan by allocating the frozen funds
corresponding to
the Bank Credit Certificate to the funds management account so as to reduce
the risk of
loan funds and make the lending transaction safer.
A brief description of the drawings
Brief Description
[0017] Figure 1 is a flow chart of a loan repayment processing method provided
by an example of
the present invention;
[0018] Figure 2 is a flow chart of another method of repayment processing
provided by an
example of the present invention.
[0019] Figure 3 is a block diagram of a loan repayment system provided in an
example of the
present invention.
[0020] Figure 4 is a block diagram of another loan repayment system provided
in an example of
the present invention.
Examples of the Invention
Implementation pattern of the present invention
[0021] To make the technical problems, technical solutions and advantages more
apparent and
clear, 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.
[0022] 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 financial management
institution promised to
pay in accordance with the conditions of settlement and payment of electronic
credit
credentials. The Bank Credit Certificate is a financial management institution
credit
commitment to pay an Internet innovation base financial instruments, mainly
for the
buyer's products, by the seller to download the cashier access interface, by
the buyer to
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complete the proof of the certificate, the seller to complete receipt and
compliance,
submitted to the payment, the final letter of credit arrived at the automatic
payment. 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 fmancial institution loan account. The fund management credit
system
includes the People's Bank credit system or other financial institution credit
system. In the
present invention, the Second Participant is requested to open a bank credit
certificate by
the second participation party as a guarantee for the loan to the other
person. The
Funds-Management server receives the Bank Credit Certificate of the Second
Participant
who has applied for the same amount as the loan amount. After the license, the
corresponding amount in the Second Participant's account is frozen and the
loan is granted
to the First Participant on the basis of this condition. It should be noted
that the Second
Participant's Bank Credit Certificate is frozen, but the funds are still in
the Second
Participant's account, but the funds are in an unusable state, but does not
affect the Second
Participant's current interest collection during the lock-out period. For
example, the balance
of the second-party account is 300,000, and 200,000 Bank Credit Certificates
are issued
to the Funds-Management server and frozen. However, the Funds-Management
server still
calculates the current interest on the balance of funds of 300,000, or the
Funds-Management server uses 100,000 of the balance of funds to calculate the
Second
Participant current interest, and separate calculation of Bank Credit
Certificate during the
lock-out period of funds current interest.
[0023] Example 1
[0024] As shown in Figure 1, an example of the present invention provides a
repayment
processing method for use in a Funds-Management server-based, which method
comprises
the following steps:
[0025] S101, after receiving the notice for making part of repayment by the
Second Participant in
lieu of the First Participant within the pre-set payment period, according to
the amount of
repayment, part of the frozen funds corresponding to the Bank Credit
Certificate shall be
allocated to the funds management account;
[0026] Specifically, 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
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First Participant and Second Participant can reach an agreement offline and
the Second
Participant replaces the first part of the repayment within the preset dunning
period to
provide a more flexible repayment method to relieve the First Participant's
short-term
financial pressure to improve the possibility of repayment of the loan.
[0027] S102, after receiving the notice of the Second Participant to pay back
the remaining
repayment in lieu of the First Participant within the pre-set repayment
period, the
remaining frozen funds of the Bank Credit Certificate will be allocated to the
fund
management account.
[0028] S103, if the remaining remuneration is not received after the pre-set
requesting payment
period, the remaining frozen funds corresponding to the Bank Credit
Certificate are
allocated to the fund management account and the default record of the First
Participant is
synchronized to the fund management credit reporting system.
[0029] Specifically, within the requesting payment period (for example, one
month), the funds
management institution may, through the Funds-Management server or manually,
remit the
remaining loan to the First Participant, and if failure in requesting
payment), the
corresponding funds will be allocated to the funds management account, to
ensure that the
funds management institution loan funds without risk, by the Second
Participant to bear the
loss of loans back. While the First Participant's default record is
synchronized to the fund
management credit system, by entering the credit for the First Participant, so
that the First
Participant can not use the credit limit and increase the default cost of the
First Participant.
[0030] In this example, the introduction of Bank Credit Certificate guarantee
for lending
transactions, can increase the default cost of the First Participant, while
providing the
Second Participant to replace the first part of the repayment of the First
Participant can
increase the repayment of the loan possibility to reduce the risk of loan
funds, making
lending transactions safer.
[0031] Example 2
[0032] As shown in Figure 2, an example of the present invention provides a
method of
repayment, which is exemplified by a funds management institution as a bank
and a
Funds-Management server as a bank server. The method comprises the steps of:
[0033] S201, determine whether all loan funds and loan interest of the First
Participant within a
preset repayment deadline are received, and if yes, execute step S202;
otherwise, execute
step S204.
[0034] S202, all of the remaining frozen funds corresponding to the unfrozen
Bank Credit
Certificate are allocated and the loan interest is allocated in the Second
Participant account
and the bank loan account according to the pre-set rule.
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[0035] Specifically, the First Participant, after settling all of loan funds
and loan interest at the
agreed loan period, the bank server unfreezes all of frozen funds
corresponding to the Bank
Credit Certificate, at the same time, the unfrozen frozen funds and the
corresponding
current interest in the Second Participant's account automatically becomes
available. The
bank server will allocate loan interest on the Second Participant's account
and the bank
loan account as per the preset rule.
[0036] S203, the First Participant synchronizes the loan repayment record to
the bank credit
information system, and increases the credit level of the First Participant,
and then
proceeds to step S213.
[0037] In this step, by raising the credit level of the First Participant, the
First Participant can be
motivated to repay actively.
[0038] S204, determine whether a notification that the Second Participant
replaces the partial
repayments of the First Participant within a preset repayment period is
received. If yes,
execute step S205; otherwise, execute step S207.
[0039] Specifically, the First Participant and Second Participant can reach an
agreement offline
and the Second Participant replaces the first part of the repayment within the
preset
dunning period to provide a more flexible repayment method to relieve the
First
Participant's short-term financial pressure to improve the possibility of
repayment of the
loan.
[0040] S205, according to the repayment amount of Bank Credit Certificate
transfer part of the
corresponding frozen funds to the bank loan account.
[0041] S206, raise the credit level of the Second Participant.
[0042] Specifically, after the Second Participant replaces the First
Participant for partial payment,
the bank server increases the credit level of the Second Participant, thereby
encouraging
the Second Participant. In addition, the loan interest corresponding to the
above partially
frozen funds and delay fees within the dunning period may also be allocated to
the Second
Participant account and the bank loan account according to a preset rule.
[0043] S207, request the First Participant to make repayment within
predetermined requesting
payment period.
[0044] Specifically, the bank can manually reminder the First Participant to
pay the remaining
loans, but also through the bank server to conduct all-round reminder the
remaining loans,
such as by one or more of the following combinations of reminder methods: dial-
up notice
First Participant preselected telephone number or a mobile phone, sending an e-
mail
notification to the e-mail pre-set by the First Participant, pushing the
information to the
software program client registered with the First Participant, sending SMS
notification to
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the mobile number pre-set by the First Participant, send a QQ message to the
First
Participant's default QQ number, or send a message to the First Participant's
default Wechat
number.
[0045] S208, determine whether a notification is received that the Second
Participant has repay the
remaining repayments in place of the First Participant within the preset
reminding
deadline, and if yes, execute step S209; otherwise, execute step S211.
[0046] S209, allocate the Bank Credit Certificate corresponded part of frozen
funds to the bank
loan account.
[0047] S210, assign loan interest, and delay fees within in the requesting
payment period to the
Second Participant account and the bank loan account according to a pre-set
rule, and
proceed to step S213.
[0048] S211, allocate the remaining frozen funds of the Bank Credit
Certificate to the bank loan
account.
[0049] S212, synchronize the default record of the First Participant to the
bank credit system,
reducing the credit rating of the First Participant.
[0050] Specifically, in this step, synchronizes the default record of the
First Participant to the bank
credit system, recording the credit stain of the First Participant and that
the First Participant
fails to use the bank credit limit so as to further increase the default cost
of the First
Participant and reduce the default possibility of the First Participant.
[0051] S213, end the process.
[0052] In the present example, if the First Participant keep repayment as
agreement, the Bank
Credit Certificate applied by the Second Participant will be de-frozen, and
the Second
Participant and the bank are allocated the loan interest in accordance with
the agreed rules.
If the First Participant does not repay the loan as agreed, the Bank Credit
Certificate will
remain frozen for a fixed term (requesting payment period), remitted by the
bank to the
First Participant through labour or bank server, and if the First Participant
completes
repayment within the requesting payment period, the Second Participant and the
bank
according to the agreement to distribute the loan interest and delay fees; if
the First
Participant does not repay within the requesting payment period (bank
requesting payment
failure) , the remaining funds of the Bank Credit Certificate will be
allocated to the bank
loan account, the Second Participant shall not ask for the loss of loans, so
as to safeguard
the interest of the bank.
[0053] In addition, increasing the delay fee in the requesting payment period
and reducing the
credit level after the First Participant defaults to make it impossible to use
the credit limit,
further increases the default cost of the First Participant. By synchronizing
the repayment
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records of the Second Participant instead of the First Participant to the bank
credit system,
the credit level of the Second Participant is increased, the Second
Participant is encouraged
to voluntarily repay the debts of the First Participant to further improve the
possibility of
repayment success. Moreover, in the case of a default by the First
Participant, the
remaining frozen funds corresponding to the debit and credit card will be
released to the
bank loan account, which will be borne by the Second Participant for the loss
of the loan,
so as to ensure the interests of the bank and make the loan trading safer.
[0054] Example 3
[0055] As shown in Figure 3, an example of the present invention provides a
repayment
processing system for use in a Funds-Management server, which comprises the
first
repayment processing module 10, the second repayment processing module 20, and
default
processing module 30.
[0056] The first repayment processing module 10 is arranged to receive the
part of the repayment
of the First Participant in the pre-set repayment period after the partial
repayment,
according to the amount of repayment of Bank Credit Certificate corresponding
part of the
frozen funds.
[0057] The second repayment processing module 20 is arranged to receive the
notice when the
Second Participant's repayment of the remaining loan in lieu of the First
Participant, and
then allocate the remaining frozen funds of the Bank Credit Certificate to the
fund
management account.
[0058] The default processing module 30 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.
[0059] 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.
[0060] In order to further enhance the First Participant default or deferred
payment costs. The
second repayment processing module 20 is configure to allocate loan interest
on the
Second Participant's account and the funds management account by default, as
well as the
delay fees of the requesting payment period.
[0061] As shown in Figure 4, in some examples, the system further includes a
dunning module 40
and a credit management module 50.
[0062] The requesting payment module 40, is configure to request the First
Participant to make
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repayment within the requesting payment period.
[0063] Specifically, the requesting payment module 40 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. Of course, the requesting payment
module 40 may
be carried out manually off-line and omitted.
[0064] The credit management module 50 is configured to increase the credit
level of the Second
Participant if the Second Participant receives a partial payment instead of
the First
Participant or pays off the remaining payment within a preset dunning period;
and / or if
the remaining repayments are not received after a preset dunning period has
expired,
lowering the credit level of the First Participant.
[0065] It is to be noted that the technical features of the above-described
method Examples 1 and
2 are applicable in the present system and are not repeated here.
[0066] 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.
[0067] 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
[0068] The present invention provides a smart financial lending and trading
system, the
introduction of Bank Credit Certificate guarantee for lending transactions,
the First
Participant's default record synchronization to the funds management credit
system can
increase the cost of default of the First Participant, At the same time,
providing the Second
Participant instead of the First Participant's partial repayment method can
alleviate the
short-term capital pressure of the First Participant and increase the
possibility of repayment
success, so as to reduce the risk of loan funds and make the lending
transaction safer. In
addition, increasing the delay fees in the requesting payment period and
reducing the credit
level after the First Participant defaults to make it impossible to use the
credit limit, further
increases the default cost of the First Participant. By raising the credit
level of the Second
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Participant, the Second Participant is motivated to voluntarily repay the loan
on behalf of
the First Participant to further increase the possibility of repayment
success. Moreover, in
the case of a default by the First Participant, the remaining frozen funds
corresponding to
the debit and Bank Credit Certificate will be released to the bank loan
account, which will
be borne by the Second Participant for the loss of the loan, so as to ensure
the interests of
the bank and make the loan trading safer. Therefore, it has industrial
applicability.
