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Stranger borrowing system based on instant messaging tool data

A communication tool and technology of strangers, applied in data processing applications, instruments, finance, etc., can solve the problems of strangers’ loans such as lack of connection channels and credit guarantee methods, occupation, and difficulty in making trips

Inactive Publication Date: 2018-11-30
深圳市有钱科技有限公司
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  • Summary
  • Abstract
  • Description
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AI Technical Summary

Problems solved by technology

[0002] In modern financial life, early consumption and loan consumption are extremely common, and small-amount loan transactions account for an increasing proportion of the market. However, the current small-amount loan transactions are mainly divided into two types: acquaintance loans and stranger loans. Strangers’ borrowing transactions are dominated by unscrupulous platforms, which often charge super high interest rates much higher than the national regulations, making names such as “cash loans” synonymous with online fraud. Pure strangers’ loans are due to the lack of docking channels and credit guarantee

Method used

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  • Stranger borrowing system based on instant messaging tool data

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Embodiment 1

[0024] In order to realize the stranger borrowing system based on instant messaging tool data, the present invention discloses a kind of embodiment 1, please refer to figure 1 , a schematic diagram of a stranger borrowing system based on instant messaging tool data, the structure diagram includes the following steps: account module, capital module, accounting module, interest rate module and credit module;

[0025] The account module is connected to the fund module, the bookkeeping module and the credit module; the credit module is connected to the account module, the interest rate module and the capital module; the interest rate module is connected to the credit module, the capital module and the account module; the capital module is connected to the account module, the interest rate module, the bookkeeping module and The credit module; the accounting module connects the account module and the fund module.

[0026] The functions of each module are:

[0027] The account modul...

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Abstract

The invention discloses a stranger borrowing system based on instant messaging tool data. The system comprises an account module, a capital module, a bookkeeping module, an interest rate module and acredit module, wherein the credit module based on the instant messaging tool data reviews qualification entry and borrowing transaction entry of both parties of a borrowing transaction, the interest rate of borrowing capital is adjusted according to the risk degree, borrowing transaction information is subjected to bookkeeping through the bookkeeping module, and borrowed money is released and received through the capital module. In this way, credit enhancement and interest rate agreement difficult to realize in borrowing among strangers are realized, the borrower can obtain capital with low cost, the lender can obtain considerable interest income, and joint benefit of both parties is realized.

Description

technical field [0001] The invention relates to the field of financial loans, in particular to a stranger borrowing system based on instant messaging tool data. Background technique [0002] In modern financial life, early consumption and loan consumption are extremely common, and small-amount loan transactions account for an increasing proportion of the market. However, the current small-amount loan transactions are mainly divided into two types: acquaintance loans and stranger loans. Strangers’ borrowing transactions are dominated by unscrupulous platforms, which often charge super high interest rates much higher than the national regulations, making names such as “cash loans” synonymous with online fraud. Pure strangers’ loans are due to the lack of docking channels and It is difficult to implement the credit guarantee method. [0003] Therefore, how to provide a new method to solve the credit enhancement of the borrowing relationship between strangers has become an urge...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 余洋
Owner 深圳市有钱科技有限公司
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