Civil debt and credit registering system and method

A non-governmental, registration request technology, applied in the Internet field, can solve problems such as the authenticity of borrowers and borrowing information cannot be guaranteed, case trial is difficult, lack of evidence, etc., to reduce the risk of loan default and legal disputes, and reduce the effect of loan disputes.

Inactive Publication Date: 2018-01-26
黄冈
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Since the borrower and the lender do not need to meet each other from the beginning to the end, the authenticity of both the borrower and the lender and the loan information cannot be guaranteed, and the loan cannot protect the rights and interests of the lender through mortgages and third-party guarantees, and the privacy of both the borrower and the lender is exposed in the social circle
Due to the difficulty of confirming the identity of the defendant, the lack of witnesses, the lack of evidence, and the fact that the plaintiff and the defendant cross regions, it is difficult to sue the people's court, to try the case, and to enforce it when the loan defaults or a dispute arises.

Method used

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  • Civil debt and credit registering system and method
  • Civil debt and credit registering system and method
  • Civil debt and credit registering system and method

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Embodiment Construction

[0066] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0067] refer to figure 1 As shown, the private lending registration system provided by the embodiment of the present invention is based on the Internet and smart terminals to generate and register traditional private lending online related loans, repayments, and breach of contract, such as contracts and certificates, checking borrowers and other related information. The system includes: at least two clients 11 and at least one regi...

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Abstract

The invention discloses a civil debt and credit registering system and method. The system includes at least two clients and at least one registering server. The two clients are specifically a debtor client and a creditor client. The registering server is intended for providing registration service and data support for the at least two clients to carry out loaning, repayment, fulfillment, and default. The system can make the entire process of debt and credit paperless by using the clients and the registering server, and lowers the risks of default and legal disputes. The registering server canprovide improved and legal registration service and data support, which not only reduces debt and credit disputes and also provides evidence for handling debt and credit disputes in court.

Description

technical field [0001] The invention relates to the technical field of the Internet, in particular to a private loan registration system and method. Background technique [0002] Private lending is divided into lending between acquaintances, pawn business, and lending between non-acquaintances through online platforms, such as P2P lending platforms, campus loans, training loans, etc. Traditional offline acquaintance loans often lack loan contracts, mortgage contracts, guarantee contracts, loan repayment or repayment certificates, etc. due to acquaintances or lack of legal knowledge, or contract irregularities, missing information, illegal content, invalid clauses, etc., or Due to the lack of legal knowledge, the mortgage is not registered, or the borrower maliciously borrows money from multiple acquaintances, which brings risks of loan default and legal disputes to both the borrower and the lender and the guarantor. [0003] With the development of the Internet service indu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q50/18
Inventor 黄冈黄峰唐小林
Owner 黄冈
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