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Method, apparatus, equipment and medium for verifying authenticity of financial assets

A technology of authenticity, assets

Inactive Publication Date: 2019-01-04
中航信托股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the inventor found through research that under the above-mentioned three-party business model, due to the weak management capabilities of the fund institutions, incidents of maliciously defrauding fund institutions by loan facilitators are prone to occur. In fact, the authenticity of the inclusive financial assets formed by the inclusive financial business is abnormal, which eventually leads to the inability of the financial institution to effectively protect the rights and interests of the investors, and the legitimate rights and interests of the investors are seriously violated

Method used

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  • Method, apparatus, equipment and medium for verifying authenticity of financial assets
  • Method, apparatus, equipment and medium for verifying authenticity of financial assets
  • Method, apparatus, equipment and medium for verifying authenticity of financial assets

Examples

Experimental program
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Embodiment 1

[0055] see figure 2 , which shows a schematic flowchart of a method for verifying the authenticity of financial assets in the embodiment of the present application. In this embodiment, the method may include the following steps, for example:

[0056] Step 201: Obtain fund payment information and fund business information. The fund payment information is obtained by decrypting the encrypted lending / deduction fund information sent by the payment and clearing institution. The fund business information is based on the relationship between the loan assistance institution and the fund institution. obtained from the lending / debiting business.

[0057] It is understandable that due to the traditional three-party business model, the lending institution can directly transfer the fund payment information with the payment and clearing institution, and the management ability of the fund institution is weak. The loan assisting institution may maliciously deceive the fund institution, resu...

Embodiment 2

[0067] Taking the completion of the lending business in the inclusive financial business as an example, that is, the fund payment information in the above-mentioned embodiment is the lending fund information, and the fund business information includes the lending business information and the lending receipt, combined with the attached image 3 , the specific implementation of the method for verifying the authenticity of financial assets in the embodiment of the present application will be described in detail through yet another embodiment.

[0068] see image 3 , which shows a schematic flowchart of a method for verifying the authenticity of financial assets in the embodiment of the present application. In this embodiment, the method may include the following steps, for example:

[0069] Step 301: Obtain lending fund information, lending business information, and lending receipts. The lending fund information is obtained by decrypting the encrypted signature lending fund info...

Embodiment 3

[0085] see Figure 4 , which shows a schematic flowchart of a method for verifying the authenticity of financial assets in the embodiment of the present application. In this embodiment, the method may include the following steps, for example:

[0086] Step 401: Obtain fund information, deduction business information and repayment plan. The deduction fund information is obtained by decrypting the encrypted signature deduction fund information sent by the payment and clearing institution. The deduction business information and repayment plan It is obtained based on the deduction business between the lending institution and the funding institution.

[0087] Step 402: Determine whether the deduction-related content in the deduction fund information is consistent with the corresponding deduction-related content in the deduction business information; if not, perform step 403; if yes, perform step 404.

[0088] As can be seen from the above embodiment, since there are two fund busi...

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Abstract

The present application discloses a method, an apparatus, equipment and a medium for verifying the authenticity of financial assets. The method includes obtaining fund payment information obtained bydecrypting encrypted loan / deduction fund information sent by a payment and clearing institution and fund service information obtained based on loan / deduction business between a loan aid institution and a fund institution; judging whether the corresponding contents in the fund payment information and the fund business information are consistent or not; if not, confirming that the fund business information is abnormal; if yes, making sure that the fund business information is authentic and valid. As can be seen, the payment information that is not tampered with by the payment and clearing institution is adopted, the method of verifying whether the corresponding contents in the fund payment information and the fund business information are consistent shall be used to complete the verificationand verification of the authenticity of the financial assets, timely detect and prevent the fraudulent and deceptive behaviors of the lending aid institutions, so as to protect the legitimate rightsand interests of the investors from being infringed upon.

Description

technical field [0001] The present application relates to the field of financial information technology, in particular to a method, device, equipment and medium for verifying the authenticity of financial assets. Background technique [0002] At this stage, inclusive finance is becoming more and more popular in the financial field. Inclusive finance generally refers to microfinance, such as consumer credit loans, car mortgage loans, and house mortgage loans. Inclusive financial assets such as loan receipts, repayment plans, and fund payment information will be formed throughout the entire business process of inclusive finance. [0003] Traditionally, the business model of inclusive finance is a tripartite business model composed of loan facilitation institutions, capital institutions, and payment and clearing institutions. Among them, the loan assistance institution is responsible for obtaining the loan application and repayment application of the customer, the fund institu...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 张甲燃黄河陈磊姚鹏刘晓天李芃胡修修
Owner 中航信托股份有限公司