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Loan repaying method, data interactive processing method, equipment and system

A technology of data and data value, applied in the field of credit

Inactive Publication Date: 2015-10-07
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, in lending activities between individuals, the first participant and the second participant usually reach an agreement in oral or written form. After the second participant provides assets to the first participant, since there is no mandatory repayment Constraints, which pose a great risk to the second party

Method used

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  • Loan repaying method, data interactive processing method, equipment and system
  • Loan repaying method, data interactive processing method, equipment and system
  • Loan repaying method, data interactive processing method, equipment and system

Examples

Experimental program
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Embodiment Construction

[0049] refer to figure 1 , figure 1 It is a schematic flow chart of an embodiment of the loan repayment method of the present invention. The loan repayment method of the present embodiment includes the following steps:

[0050] 101: When the second fund management server does not receive the loan returned by the first participant within the first predetermined date, send a reminder to the first participant that the loan must be returned within the second predetermined date.

[0051] Wherein, the loan is issued to the first participant by the second fund management server according to the electronic commitment payment certificate from the first fund management server, and the electronic commitment payment certificate is issued by the first fund management server According to the application of the second participant, it is issued after freezing the funds of the second participant not less than the loan amount;

[0052] Specifically, after the first participant sends a reques...

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PUM

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Abstract

The invention discloses a loan repaying method, a data interactive processing method, equipment and a system. The loan repaying method comprises the following steps that a second fund management server sends a payment reminding notification requesting a loan repaid within a second preset date to a first party when not receiving the repaying loan from the first party; the first party receives the payment reminding notification and pays the loan to the second fund management server within the second preset date; the second fund management server receives the loan repaid by the first party and further sends a notification to a first fund management server to inform the first fund management server of the fact that the first party has repaid the load; the first fund management server receives the notification sent from the second fund management server and deblocks funds opened by a second party and being equal to electronic acceptance pay orders in terms of the value. By means of the above-mentioned means, the debit and credit risks of the second party can be lowered.

Description

technical field [0001] The invention relates to the field of credit, in particular to a loan repayment method, a data interaction processing method, equipment and a system. Background technique [0002] With the advent of 2G / 3G, even the 4G era, and WIFI hotspots everywhere, it marks the advent of the era of big data. In theory, all daily behaviors of users can be built with the help of mobile data networks provided by major operators. And WIFI, a wireless local area network, realizes various data processing through Internet technology. Therefore, the network environment has advantages over the offline real world in terms of convenience for users' lives, but there is no effective solution to how to use the network to ensure data interaction and reduce risks. [0003] Taking the data processing in a user's life scene as an example, when a user applies for a loan, he or she can usually apply for a loan directly between individuals or by borrowing from a bank. However, in len...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH