Reserving transfer accounts processing system used for realizing advanced repayment

A processing system and processing method technology, which is applied in the field of about-transfer account processing systems, and can solve the problems of high repayment pressure of lenders, dissatisfaction with bank services, and inability to provide 7Γ—24-hour services for over-the-counter transactions.
CN101140683AInactive Publication Date: 2008-03-12INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Patent Information

Authority / Receiving Office
CN Β· China
Patent Type
Applications(China)
Current Assignee / Owner
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Publication Date
2008-03-12
Estimated Expiration
Not applicable Β· inactive patent

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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.
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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...

Claims

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