Reserving transfer accounts processing system used for realizing advanced repayment

Abstract

The invention discloses a processing system and method for realizing advance repay transferring to the appointed account, which comprises a transaction terminal used for setting obligated balance of the payment account through external financial network, and a system host for deducting account from the payment account's obligated balance. The processing steps are composed of: calculating the deposit and interest prior to the scheduled date of repayment to judge whether the available balance is more than the sum of the deposit and interest that are required to be repaid before the scheduled date as well as the obligated balance. If more, the advance repay will be taken into effect to deduct the deposit and interest of current period from the available balance, and then deduct the advance payment which is the difference between the balance after deduction and the said obligated balance. The invention is characterized in realizing flexible and convenient advance repay, not only facilitating clients but also improving the banking service.

Description

technical field [0001] The present invention relates to the technical field of early repayment processing in financial services, and in particular to a contract transfer account processing system and method for realizing early repayment. Background technique [0002] With the improvement of people's living and consumption levels, more and more people take out loans to buy houses and cars, and personal loans have gradually become a financial product that people are very familiar with. [0003] In recent years, with the rapid growth of credit, the central bank has frequently raised interest rates, and the pressure on lenders to repay is increasing. Many lenders have begun to consider early repayment, but at present, banks still adopt customers to apply in advance for early repayment After a period of approval, the customer can be notified to go to the bank counter for early repayment procedures. [0004] In addition, each bank has relevant regulations on the amount of early r...

AI Technical Summary

Problems solved by technology

[0003] In recent years, with the rapid growth of credit, the central bank has frequently raised interest rates, and the pressure on lenders to repay is increasing. Many lenders have begun to consider early repayment, but at present, banks still adopt customers to apply in advance for early repayment After a period of approval, the customer can be notified to go to the bank counter for early repayment procedures

[0004] In addition, each bank has relevant regulations on the amount of early repayment, which is not very flexible. These are not suitable for the current situation and have brought inconvenience to customers.

At the same time, a large number of early repayments also increased the transaction processing volume of bank tellers, causing customers to queue up and dissatisfied with bank services.

[0005] More importantly, traditional over-the-counter transactions cannot provide 7×24 hours of service, which is not compatible with the current purpose of vigorously promoting self-service banking services

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