Cross-center loan repayment method and device, equipment and storage medium

A loan, straight-through technology, applied in the field of mobile internet, can solve the problems of inability to obtain the repayment situation of the signatory, leakage of customer information, network errors, etc.

Pending Publication Date: 2021-07-13
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, due to reasons such as job changes of the contractor, there may be changes in the repayment center, etc.
Since the provident fund centers in various places have their own complex operating systems, in the existing technology, the provident fund centers in various places cannot communicate with each other, otherwise, network errors may occur in the complex operating systems of each center, resulting in potential safety hazards and the risk of customer information leakage
This makes it impossible for the center before the change to obtain the current repayment status of the signatory, which may cause the signatory to make separate monthly reimbursements between the center before the change and the current center

Method used

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  • Cross-center loan repayment method and device, equipment and storage medium
  • Cross-center loan repayment method and device, equipment and storage medium
  • Cross-center loan repayment method and device, equipment and storage medium

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Embodiment Construction

[0094] The following will clearly and completely describe the technical solutions in the embodiments herein in conjunction with the accompanying drawings in the embodiments herein. Obviously, the described embodiments are only some of the embodiments herein, not all of them. Based on the embodiments herein, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts fall within the scope of protection herein.

[0095] In the existing daily loan business processing, provident fund centers in various places mostly adopt the model of independent deployment system, and the centers cannot communicate and connect in the next year, forming an information island. However, with the job change of the signatory and other reasons, the repayment center may be changed, and the center before the change cannot obtain the current repayment situation of the signatory, which may cause the signatory to repay every month at the center before the change. S...

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Abstract

The invention relates to the field of mobile internet, and particularly provides a cross-center load repayment method and device, equipment and a storage medium, and the method comprises the following steps: determining the contract type of a current contract according to the loan information of a current contract, wherein the loan information comprises a loan record of the current subscriber in a local center or an external center; judging whether the current signer conforms to a signing condition or not and whether the loan information conforms to a cross-center interconnection condition of a corresponding signing type or not; and if the current signer conforms to the signing condition and the loan information conforms to a cross-center interconnection condition of a corresponding signing type, determining the repayment type of the current contract, and interconnecting the center with the external center through the contract information of the current contract. According to the invention, the situation of independent reimbursement of two places can be prevented, and normal repayment business is ensured.

Description

technical field [0001] The present invention relates to the field of mobile internet, in particular, to a method, device, equipment and storage medium for cross-center loan repayment. Background technique [0002] Loan repayment refers to a business in which the housing loan borrower withdraws the accumulation fund deposit funds to repay the housing loan under the circumstances permitted by the provident fund policy. Among them, the housing loan can be a provident fund loan or a commercial loan; the provident fund deposit funds can be the deposit funds of the borrower himself, or the deposit funds of his relatives. [0003] Among them, for provident fund offset loan repayment, it includes reimbursement type offset loan repayment and direct offset type loan repayment. Reimbursement-style loan repayment refers to a loan repayment model in which the borrower first uses its own funds to repay the loan on schedule, and then withdraws the deposited funds to repay the loan to the ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/40
CPCG06Q20/405G06Q40/03
Inventor 姚龙
Owner CHINA CONSTRUCTION BANK
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