Borrowing and returning recording system based on assistance and undertaking of associated people

Abstract

The invention discloses a borrowing and returning recording system based on assistance and undertaking of associated people, which comprises a recording platform, the recording platform is connected with a user unit, a user database and a scoring unit are arranged in the recording platform, and basic information of the user unit and historical material borrowing and returning data are stored in the user database; an association module is arranged on each user unit and is used for being in association connection with any other user unit; before the user unit starts a material borrowing and returning behavior, the borrowing and returning assistance and a borrowing and returning assistance credit value of the user unit in associated connection with the user unit are obtained through the association module; and after the user unit starts a borrowing and returning behavior, the scoring unit rewards or punishes the credit values of the user unit and the user unit in association connection with the user unit according to the material borrowing and returning historical data and the borrowing and returning assistance credit value in proportion. The beneficial effects are that borrowing and returning behaviors are recorded and supervised, multi-party supervision and credit guarantee are carried out through associated persons, and occurrence of dishonesty behaviors is reduced.

Description

technical field [0001] The invention relates to the field of big data technology, in particular to a borrowing and returning recording system based on the assistance and commitment of related persons. Background technique [0002] In interpersonal communication and daily consumption, relatives and friends, business partners and even strangers often borrow money from each other and use borrowed items. In the civil society, when people borrow in and lend out, they often sign a paper IOU as a loan certificate. However, because some people have low credit or it is really difficult to turn over funds, the repayment of loans or borrowed items may be postponed or even not repaid. When this happens, investors are often very helpless. For investors with small amounts of funds or small losses, it may be difficult to protect their rights or even recover their costs. For large-amount borrowing and borrowing transactions, most borrowers will take back the loaned materials through legal...

AI Technical Summary

Problems solved by technology

There are also no measures to supervise special groups of people, and there is no plan to supervise the behavior of those who initiate borrowing and repaying behaviors through relatives and friends

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