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Debt resolution method and system based on big data

A big data and debt technology, applied in the field of big data, can solve the problems of difficult implementation and high cost, and achieve the effect of optimizing debt relationship, reducing debt cost, and reducing capital injection

Pending Publication Date: 2020-02-25
安徽海汇金融投资集团有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, the direct means of clearing traditional triangular debts is to reduce credit sales and distribution of goods. These means often require a large amount of capital injection, resulting in high costs and difficult implementation.

Method used

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  • Debt resolution method and system based on big data
  • Debt resolution method and system based on big data
  • Debt resolution method and system based on big data

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Embodiment Construction

[0061] To further illustrate the features of the present invention, please refer to the following detailed description and accompanying drawings of the present invention. The attached drawings are for reference and description only, and are not intended to limit the protection scope of the present invention.

[0062] like figure 1 As shown, this embodiment discloses a big data-based debt resolution method, including the following steps S1 to S3:

[0063]S1. Obtain the subject information with creditor's rights and debts, and obtain the debt ring and / or debt chain according to the subject information, wherein the subject information includes the subject and the corresponding debt relationship of the subject;

[0064] S2. Offset and resolve each subject in the debt ring according to the minimum debt data;

[0065] S3. Obtain the creditor's rights and debt information of each subject in the debt chain and the number of debt subjects, and the third-party platform will pay the de...

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Abstract

The invention discloses a debt resolution method and system based on big data, and belongs to the technical field of big data, and the method comprises the steps: obtaining main body information withcreditor's rights and debts, and obtaining a debt ring and / or a debt chain according to the main body information, wherein the main body information comprises a main body and a debt relation corresponding to the main body; offsetting and resolving each subject in the debt ring according to the minimum debt data; and obtaining creditor's right and debt information and the number of debt subjects ofeach subject in the debt chain, paying the debt amount to the debtor at the tail end of the debt chain by the third-party platform, and recovering the debt to the debtor at the starting point of thedebt chain to realize cancelling and solving. According to the invention, the big data technology is utilized, the debt ring and the debt chain are searched for each subject with the debt relationship, the debt of each subject in the debt ring and the debt chain is offset and resolved, and the debt resolution cost is reduced to the greatest extent.

Description

technical field [0001] The invention relates to the technical field of big data, in particular to a method and system for debt resolution based on big data. Background technique [0002] At present, the direct means of traditional triangular debt clearance is to reduce credit sales and distribution. These means often require a large amount of capital injection, resulting in high costs and difficult implementation. SUMMARY OF THE INVENTION [0003] The purpose of the present invention is to solve the problems existing in the prior art, so as to reduce the cost of debt offset resolution. [0004] In order to achieve the above purpose, the present invention adopts a big data-based debt resolution method, comprising the following steps: [0005] Obtain the information of the subject with claims and debts, and obtain the debt ring and / or debt chain according to the subject information, wherein the subject information includes the debt relationship corresponding to the subject ...

Claims

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Application Information

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IPC IPC(8): G06Q40/00G06F16/901
CPCG06Q40/00G06F16/9024
Inventor 黄林梁樑曾水保袁礼山朱香友黄晓漫黄超
Owner 安徽海汇金融投资集团有限公司
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