Method and system for providing intermediary service for debit and credit

Abstract

The invention provides a method and a system for providing intermediary service for debit and credit, which can be used for authenticating a credit user loaning fund and a debit user borrowing fund and can provide intermediary service for the debit and the credit. When the debit user borrows money from the credit user, a debit and credit service computer system (1) respectively calls a credit user mobile phone (2) and a debit user mobile phone (3) to obtain the confirmation of double parties; then, the debit and credit service computer system (1) transfers account to a debit bank account (6) from a credit bank account (5) for loaning and automatically transfers account to the credit bank account (5) from the debit bank account (6) for repayment on the due date, and thus, the credit user does not need to estreat money from the debit user so as to avoid embarrassing occasion and ensure the benefit of the credit user. In addition, because the debit and credit service computer system (1) must estreat due money from the borrower according to a preset program on the due data, the credit user can trustingly lend money to the debit user, and the debit user can easily borrow money, which brings benefits for the debit and the credit.

Description

【Technical field】 [0001] The invention relates to the field of financial information processing, in particular to a method and system for providing intermediary services for borrowers and lenders. 【Background technique】 [0002] Nowadays, if ordinary people need emergency funds, besides borrowing money from banks, private loans are also very common. Borrowing money from banks generally requires strict examination before lending money. When the bank lends money, it needs to sign a loan contract with the borrower, specifying the loan conditions and detailed rules. If the borrower fails to repay the loan when it is due, the bank will collect the debt from the borrower according to the content of the loan contract. For some For borrowers who have not paid off their arrears for a long time after the due date, the bank will entrust a professional debt collection company to collect the arrears from the borrower. As for private loans, most of them are loans between relatives and f...

AI Technical Summary

Problems solved by technology

As for the borrower, even if the borrower is a person who keeps his promise and repays the loan regularly, when he borrows money from relatives and friends, he will often be regarded as a person who deliberately borrows money and reneges on his debts when he borrows money from relatives and friends. Lending money based on the relationship between the two parties shames the borrower, which is unfair to some borrowers who keep their promises and make regular repayments

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