Method for solving social vicious serial debts by using consumption redebt loan system

Abstract

The invention provides a method for solving social vicious serial debts by using a consumption redebt loan system. The system comprises a consumption part and a finance part. And when the user consumes in the consumption section, 1-10 times of points can be obtained according to the amount of money consumed by the user. The user can apply for the amount of interest-free debt-returning money on the platform according to the amount of credits in the platform, and a credit report or a collateral is not needed. The user can pay the loan for personal debt, and the loan cannot be withdrawn to a personal bank card. When the user repays the personal debt, the user finds the account of the opposite side by searching the telephone number of the opposite side, and after the consent of the opposite side is confirmed, the money can be directly transferred as the debt. And after the debt user withdraws the debt, if the debt user also has the debt of other people, the debt is redebted to the debt owner in the same way. And if no debt exists, the returned remaining debt can be consumed and used in the platform. The method has the advantages that the debtor can actively register and input debt information of the debtor and actively return the debt. The debtor wants to have a meal when repaying the debt without effort, the bank or other financial companies need to check personal credit reports when making loans, most of the debtors are poor in credit investigation and cannot apply for bank loans, and the unique feasible method is that the debtors apply for credit loans through consumption accumulation points, so that the debtors cannot apply for the bank loans through consumption accumulation points. And the users are encouraged to return debts of others. Similarly, the method can also bring certain consumption stimulation benefits to entity economy. The method also has a particularly effective effect on processing unhealthy assets of banks.

Description

Technical Field

[0001] The present invention belongs to the field of consumer finance, and specifically is a method for solving the chain debt of social evils by utilizing a consumer debt repayment loan system. Background Art

[0002] The biggest social problem at present is the debt crisis caused by various reasons. Once most debtors are overdue, they lose their credit and cannot apply for loans or borrow money, and they cannot repay loans, making it difficult for them to get out of debt.

[0003] It's important to note that among those in debt, the vast majority have debts they can't repay and claims they can't collect. If debtors and creditors could be smoothly linked—for example, if A owes B, B owes C, and C owes A—a closed-loop debt chain would form. If all parties in the debt chain agreed to settle their debts, it would be easy to resolve most of society's debt problems. However, in real life, since debt is private, forming a closed-loop debt chain is difficult.

[0004] Existing debt settlement technologies are difficult to scale due to the lack of a universally recognized currency. Platform investment risks are high, there's no profit margin to support system operations, and the process is overly complex, hindering implementation. Without a cash flow, most debtors, fearing trouble, are unlikely to actively register with such platforms and enter their debt information.

[0005] Leveraging the increasingly mature internet and AI technologies, we offer users a consumer debt repayment loan system. Users can earn interest-free loans through consumption and actively enter their debt information to close the debt chain. This approach is simple to use and has quickly gained widespread acceptance due to its cash flow. It doesn't require significant real-world capital and effectively addresses the current severe problem of social chain debt. Debtors, no matter how poor, need to eat and spend money. Therefore, integrating consumption with a closed-loop debt chain is a promising solution. Summary of the Invention

[0006] The purpose of the present invention is to provide a method for solving the social evil chain debt by utilizing a consumer debt repayment loan system.

[0007] The system is accessible through apps, websites, and mini-programs. It comprises two main sections: consumption and finance. The consumption section includes modules such as membership management, merchant onboarding, food delivery, group buying, a gold coin mall, knowledge payment, and secondary distribution. Users earn 1-10 times the points for every dollar spent in the consumption section, with the ratio depending on whether the user's debt chain is successfully closed. Users can also earn more points through the distribution function by promoting the platform, checking in, and other activities.

[0008] The financial section has three major functions: applying for debt repayment loans, repaying outstanding debts, and repaying the platform's debt repayment loans. Users can apply for interest-free debt repayment loans based on how many points they have on the platform. No credit report or collateral is required, and the platform will review and approve loans based on the user's points. The loan can be used to repay personal debts, but it cannot be withdrawn to a personal bank card, and it cannot be used for consumption if there is an outstanding balance. When repaying personal debts, users can find the other party's account by entering their phone number or ID number. After calling to confirm the other party's consent, they can directly transfer the money as repayment. The specific steps are as follows:

[0009] Step 1: When registering for the system, users undergo real-name authentication through a third-party authentication system. They must first read and sign the platform's user manual and privacy agreement. If they disagree, they will not be able to use the platform. After agreeing, they must enter their debt and creditor information, including the debtor's name, ID number, and mobile phone number. If the user is a business, they must provide their unified credit code; the creditor's name, ID number, and mobile phone number; the amount owed; the loan period; and any supporting evidence. If necessary, they can upload photos of IOUs, court judgments, and other evidence. This information can only be used by the platform's AI algorithm to calculate the formation of a closed-loop debt chain. This debt and creditor information is invisible to third parties other than the directly related debtor and creditor.

[0010] Step 2: The debt and claim information entered by the user must be verified and confirmed by the other party. Once both parties have confirmed the information and the platform has reviewed it, the debt chain is successfully formed. The system will temporarily hold any unconfirmed debt information. However, the AI ​​algorithm will continue to calculate and process this unconfirmed debt and claim information.

[0011] Step 3: The platform searches for the user’s debtors and creditors, calculates the user’s debts and claims through AI algorithms, and completes the formation of a closed-loop debt chain through daily scheduled tasks.

[0012] Step 4: After the merchant settles in, upload his own products, dishes and services to the platform, enter information such as price and commission ratio, and publish them after review by the platform.

[0013] Step 5: When users spend money on the platform, including through group buying and takeout, or purchasing items in the Gold Coin Mall, they will earn 1-10 times the points for each dollar spent. This ratio depends on whether the user's debt chain is successfully closed. Users can also earn more points by promoting the platform through the distribution function and by checking in.

[0014] Step 6: Once users have accumulated enough points, they can apply for an interest-free debt repayment loan from the platform. The amount of the loan is determined by the number of points they have, and the loan amount is in multiples of 1,000. Because it is an interest-free credit loan, the platform will collect the user's corresponding points when issuing the loan.

[0015] Step 7: After receiving the loan, the user can allocate the loan to creditors themselves or have the system randomly assign them to repay their outstanding debts. The system's random allocation algorithm prioritizes those with the most outstanding debts and prioritizes those with the longest outstanding debts. After allocation, the user calls the creditor to confirm their willingness to accept the repayment. Upon confirmation, the loan is transferred directly. The platform deducts a 0.1-1% handling fee for each repayment.

[0016] Step 8: After the creditor collects the debt, if they also have other debts owed to them, they will distribute the money to their creditors in the same manner. If they have no debts or have paid all outstanding debts, after confirmation from the platform, they can exchange the outstanding debt for gold coins and use it in the platform's gold coin mall. Due to risk management, loans cannot be withdrawn to their own bank cards. Therefore, the platform does not have a user withdrawal function, and users cannot use their outstanding balances for purchases. Only merchants can withdraw the platform's operating income after deducting an approximately 20% commission.

[0017] Step 9: The platform sets up a daily scheduled task to calculate whether each user's debt chain is closed. For example, if User A owes User B 10,000 yuan, User B owes User C 20,000 yuan, and User C owes User A 30,000 yuan, the debt chain is considered closed. Once the debt chain is closed, the system sends a notification to all debtors in the chain. Leveraging leverage, the system grants sufficient short-term, interest-free loans to the debtor with the smallest debt, allowing them to repay each other's debts. In other words, the platform gives User A 10,000 yuan to repay User B's debt. After receiving the repayment, User B returns it to User C, who then returns it to User A. Finally, the platform collects the 10,000 yuan loan from User A's account. This completes the 30,000 yuan debt between the three users. After the debts are repaid, a receipt is printed. If necessary, when the debts are large, offline repayment can be completed through collaboration with banks or other financial institutions.

[0018] Users must meet certain repayment requirements: first, personal debts must be paid, then overdue credit card or bank loans, and finally, monthly mortgage or car loan payments. When repaying a credit card, users must provide their credit card information to the platform. The platform collects information such as the card limit, billing information, and repayment schedule, and manually reviews the loan to mitigate the risk of capital loss. When repaying a bank loan, whether it's a mortgage or car loan, users must first enter their bank account number and billing information, and the platform must manually review and approve the loan.

[0019] The repayment period of this loan is generally 1-12 months. Users can repay the loan in installments by earning points through continued consumption. They can also offset the platform's debt repayment loan through sufficient consumption, which means that the loan does not need to be repaid.

[0020] The advantage of this method is that debtors actively register and enter their debt information and repay their debts. Even the poorest and most insolvent debtors will find a way to make ends meet. Banks and other financial institutions check personal credit reports before issuing loans, and the vast majority of debtors have poor credit scores, making them ineligible for bank loans. The only viable solution is for debtors to accumulate points through spending and apply for interest-free credit loans from the platform, encouraging them to repay their debts. This approach can also stimulate consumption in the real economy, as countless debtors, seeking to alleviate their debt burden, choose merchants partnering with the platform. This approach is also particularly effective in dealing with banks' non-performing assets.

Claims

1. A method for addressing the chain debt of social evils through a consumption and debt repayment loan system. The system comprises two major components: consumption and finance. Users earn points when spending in the consumption component. Based on their points, they can apply for interest-free debt repayment loans from the platform. No credit report or collateral is required; the platform approves and approves loans based on the user's points. Users can use these loans to repay debts owed to others; they cannot withdraw cash to their personal bank accounts, and they cannot be used for purchases while they have outstanding balances. Users who have no outstanding balances or have fully repaid their outstanding balances can, after verification by the platform, redeem the funds they have received from others for gold coins, which can be used for purchases in the platform's gold coin mall.

2. The method for solving the problem of serial debt caused by social evils by utilizing a consumer debt repayment loan system as claimed in claim 1, characterized in that: The system is available through an app, website, and mini-programs. The consumer section includes modules for membership management, merchant onboarding, food delivery, group buying, a gold coin mall, and secondary distribution. The financial section offers three main functions: applying for debt repayment loans, repaying outstanding debts, and then repaying the platform's debt repayment loans. Merchants upload their products, dishes, and services to the platform, enter information such as prices and commission rates, and publish them after review. Only merchants can withdraw their operating income after the platform deducts an approximately 20% commission.

3. The method for solving the problem of serial debt caused by social evils by utilizing a consumer debt repayment loan system as claimed in claim 1, characterized in that: When users register for the system, they undergo real-name authentication through a third-party authentication system. They must first read and sign the platform's user manual and privacy agreement. If they disagree, they will not be able to use the platform. After agreeing, they must enter their debt and claim information, including the debtor's name, ID number, and mobile phone number. If the user is a business, they must provide the company's unified credit code, the creditor's name, ID number, and mobile phone number, the amount owed, the loan period, and any evidence. If necessary, they can also upload photos of IOUs, court judgments, and other evidence.

4. The method of using a consumer debt repayment loan system to resolve social evil chain debts as claimed in claim 1, characterized in that: The debt and claim information entered by the user must be verified and confirmed by the other party. Once both parties have confirmed the information and the platform has reviewed it, the debt chain is successfully formed. The system will temporarily hold any unconfirmed debt information. However, the AI ​​algorithm will still calculate and process this unconfirmed debt and claim information, searching for the user's debtors and creditors to determine the user's debts and claims. This is a daily scheduled task that completes the formation of a closed-loop debt chain.

5. The method of using a consumer debt repayment loan system to solve the problem of serial debt caused by social evils as claimed in claim 1, characterized in that: When users spend money in the consumer section, they earn 1-10 times the points they earn. This ratio depends on whether the user's debt chain has been successfully closed. Users can also earn more points by promoting the platform through the distribution function, checking in, and other actions. Users can apply for interest-free debt repayment loans based on their points. No credit report or collateral is required. The platform reviews and approves loans based on the user's points and needs, with loan amounts in multiples of 1,000. Because these are interest-free credit loans, the platform collects the user's points when issuing the loan.

6. The method of using a consumer debt repayment loan system to resolve social evil chain debts as claimed in claim 1, characterized in that: When repaying a personal loan, users can allocate the loan themselves or have the system randomly assign the repayment to creditors. The system's random allocation algorithm prioritizes those with the most outstanding debts and prioritizes those with the longest outstanding debts. Users can find the creditor's account by entering their phone number or ID number. They can then call the creditor to confirm their willingness to accept the repayment. Once the repayment is complete, the creditor will be directly transferred to the creditor. A receipt will be printed upon payment. The platform deducts a 0.1-1% handling fee for each repayment.

7. The method of using a consumer debt repayment loan system to resolve social evil chain debts as claimed in claim 1, characterized in that: This method requires users to repay their debts: first, personal debts must be paid, then overdue credit card or bank loans, and finally, monthly mortgage or car loan payments. When repaying a credit card, users must provide their credit card information to the platform. The platform collects information such as the card limit, billing information, and repayment schedule, and manually reviews the loan to mitigate the risk of capital loss. When repaying a bank loan, whether it's a mortgage or car loan, users must first enter their bank account number and billing information, and the platform must manually review and approve the loan.

8. The method of using a consumer debt repayment loan system to resolve social evil chain debts as claimed in claim 1, characterized in that: The repayment period for the debt repayment loan in this method is generally 1-12 months. Users can repay the loan in installments by earning points through continued consumption. They can also offset the platform's debt repayment loan through sufficient consumption, which means that the loan does not need to be repaid.

9. The platform sets up a daily scheduled task to calculate whether each user's debt chain has been closed. Once a user's debt chain is successfully closed, the system sends a notification to all debtors in the chain. Leveraging this leverage, the system provides sufficient short-term interest-free loans to the debtors with the smallest debts, allowing them to repay each other's debts. If necessary, that is, when the debt amount is too large, the system cooperates with banks or other financial institutions to complete the mutual debt repayment offline.