Credit card asset securitization processing system, method and computer-readable storage medium

Abstract

The present disclosure provides a credit card asset securitization processing system, method and storage medium, the system comprising: a continuous purchase internal management parameter platform, which is used to provide a configuration interface of asset screening parameter rules for a first user in the form of a graphical user interface, and receive the asset screening parameter rules submitted by the first user through the interface; a continuous purchase data screening module, which is used to screen assets according to the asset screening parameter rules received by the continuous purchase internal management parameter platform, and generate an alternative asset pool according to the screened assets; an asset securitization external connection internal management platform, which is used to provide a graphical user interface to enable a second user to screen assets from the alternative asset pool, and generate a recommended resource pool according to the assets screened by the second user; a continuous purchase account processing module, which is used to perform asset transfer and issuance processing on the recommended resource pool account. Based on the above scheme, the embodiment of the present disclosure provides a relatively complete credit card asset securitization processing system, which can timely and conveniently perform asset securitization continuous purchases for users.

Description

Technical Field

[0001] The present disclosure relates to the field of computer technology, and in particular to a credit card asset securitization processing system, method and computer-readable storage medium. Background Art

[0002] Credit card asset securitization refers to a structural financing activity in which a bank, as the initiator, transfers credit assets to a special purpose entity (SPV) established by a trust company, and the SPV issues beneficiary securities in the form of asset-backed securities, and pays the income of asset-backed securities with the future repayment cash flow of credit assets. At present, most banks hold asset securitization business systems that support a series of asset processing processes such as asset screening, packaging, issuance and transfer, and repurchase. With the continuous promotion of new asset securitization businesses, asset securitization systems must be continuously upgraded to meet business development. In order to seek a larger-scale, more balanced asset transfer model with risks and returns, and to achieve flexible support for bank business strategy needs, asset securitization continuous purchase business came into being. This business is that after all parties confirm the screening criteria for the underlying assets in the pool, the cash flow generated by the recovery of the underlying assets within a specific period is not completely used for distribution to investors, but is used to continuously purchase new underlying assets that meet the qualified standards, forming a dynamic circulation pool until the end of the specific period. At present, there is still a lack of a relatively complete management system for continuous purchase processing in the market. Summary of the invention

[0003] The disclosed embodiment provides a credit card asset securitization processing system, method and storage medium, which can solve the problem in the prior art that the asset securitization continuous purchase processing system is lacking, making it impossible to timely and conveniently perform asset securitization continuous purchase for users. The technical solution is as follows:

[0004] According to a first aspect of an embodiment of the present disclosure, a credit card asset securitization processing system is provided, the system comprising: a continuous purchase internal management parameter platform, a continuous purchase account processing module, an asset securitization external management platform and a continuous purchase account processing module; wherein,

[0005] The continuous purchase internal management parameter platform is used to provide the first user with a configuration interface for asset screening parameter rules in the form of a graphical user interface, and receive the asset screening parameter rules submitted by the first user through the interface;

[0006] The continuous purchase data screening module is used to screen assets according to the asset screening parameter rules received by the continuous purchase internal management parameter platform, and generate a candidate asset pool according to the screened assets;

[0007] The asset securitization external liaison and internal management platform is used to provide a graphical user interface to enable the second user to screen assets from the candidate asset pool, and to generate a recommended resource pool based on the assets screened by the second user;

[0008] The continuous purchase account processing module is used to perform asset transfer and issuance processing on the recommended resource pool account.

[0009] Furthermore, the continuous purchase internal parameter platform is also used to maintain the asset package date, asset package basic information and pool asset balance type; and to provide users with a continuous purchase related parameter configuration interface, and receive continuous purchase related parameters submitted by users through the continuous purchase related parameter configuration interface.

[0010] Furthermore, the continuous purchase data screening module is used to screen offline inventory accounts according to at least one of the following dimensions and screen out candidate asset pools according to an agreed ratio:

[0011] The dimensions of interest-bearing or non-interest-bearing proportion, risk level proportion and statistical indicator.

[0012] Furthermore, the asset securitization external liaison and internal management platform is also used to provide the second user with downloading of the candidate asset pool details through a graphical user interface, and provide the second user with the following two asset screening methods:

[0013] Filter by sequence number range, or filter by list file.

[0014] Furthermore, the asset securitization external liaison and internal management platform is used to generate a recommended resource pool according to the following method:

[0015] After the second user performs asset screening, a package pre-verification file is formed according to the information of the screened assets, and the package pre-verification file includes: an account asset pre-verification file and an installment order asset pre-verification file, and then a promotion resource pool is generated according to the package pre-verification file.

[0016] Furthermore, the continuous purchase account processing module is used to perform asset transfer and issuance processing on the recommended resource pool account in the following manner:

[0017] The continuous purchasing account processing module parses the received package pre-verification file and performs asset detail verification; if the verification fails, the asset pre-verification result file is recorded to remind the business personnel to eliminate assets that do not meet the requirements and re-upload the package pre-verification file; if the verification passes, an asset package detail file is generated to notify the success of the verification processing, and a package instruction maintenance interface is provided to enable the second user to initiate an asset package instruction for the product that has passed the pre-verification, and package processing is performed according to the asset package instruction initiated by the second user.

[0018] Furthermore, the continuous purchase account processing module is used to perform packet processing in the following manner:

[0019] After receiving the packaging instruction, traverse the asset packaging detail file, perform packaging labeling on the assets that have passed the verification, and include the assets in the packaging product asset pool.

[0020] Furthermore, the continuous purchase account processing module is also used to initiate an asset unpacking operation for the packaged product when receiving an instruction to clear the packaged product asset pool.

[0021] According to a second aspect of an embodiment of the present disclosure, a credit card asset securitization processing method is provided, which is applied to a credit card asset securitization processing system, and the method includes:

[0022] Receiving the asset screening parameter rule submitted by the first user;

[0023] Perform asset screening according to the asset screening parameter rules, and generate a candidate asset pool based on the screened assets;

[0024] generating a recommended resource pool based on the assets screened by the second user;

[0025] Process asset transfer and issuance for recommended resource pool accounts.

[0026] According to the third aspect of an embodiment of the present disclosure, a computer-readable storage medium is provided, in which at least one computer instruction is stored. The instruction is loaded and executed by a processor to implement the steps performed in the credit card asset securitization processing method described in the second aspect of an embodiment of the present disclosure.

[0027] The disclosed embodiment provides a credit card asset securitization processing system, including: a continuous purchase internal management parameter platform, which is used to provide a configuration interface for asset screening parameter rules for a first user in the form of a graphical user interface, and receive the asset screening parameter rules submitted by the first user through the interface; a continuous purchase data screening module, which is used to screen assets according to the asset screening parameter rules received by the continuous purchase internal management parameter platform, and generate an alternative asset pool according to the screened assets; an asset securitization external connection internal management platform, which is used to provide a graphical user interface to enable a second user to screen assets from the alternative asset pool, and generate a recommended resource pool according to the assets screened by the second user; a continuous purchase account processing module, which is used to perform asset transfer and issuance processing on the recommended resource pool account. Based on the above scheme, the disclosed embodiment provides a relatively complete credit card asset securitization processing system, which can timely and conveniently perform asset securitization continuous purchases for users. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and, together with the description, serve to explain the principles of the present disclosure.

[0029] Figure 1 It is a structural schematic diagram of an asset securitization processing system provided by an embodiment of the present disclosure;

[0030] Figure 2 is a logical architecture diagram of an exemplary asset securitization processing system provided by an embodiment of the present disclosure;

[0031] Figure 3 It is a flowchart of approval and review in a credit card asset securitization processing system provided by an embodiment of the present disclosure;

[0032] Figure 4 It is a confirmation and review flow chart in a credit card asset securitization processing system provided by an embodiment of the present disclosure;

[0033] Figure 5 It is a business principle diagram of a continuous purchase account processing module in a credit card asset securitization processing system provided by an embodiment of the present disclosure;

[0034] Figure 6 is a flow chart of a credit card asset securitization processing method provided by an embodiment of the present disclosure;

[0035] Figure 7 It is a flow chart of another credit card asset securitization processing method provided by an embodiment of the present disclosure. DETAILED DESCRIPTION

[0036] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present disclosure. Instead, they are merely examples of systems and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0037] Embodiment 1

[0038] The first embodiment of the present disclosure provides a credit card asset securitization processing system, please refer to Figure 1 The system includes: a continuous purchase internal management parameter platform 11, a continuous purchase data screening module 12, an asset securitization external connection internal management platform 13 and a continuous purchase account processing module 14; wherein,

[0039] The continuous purchase internal management parameter platform 11 is used to provide the first user with a configuration interface for asset screening parameter rules in the form of a graphical user interface, and receive the asset screening parameter rules submitted by the first user through the interface;

[0040] The continuous purchase data screening module 12 is used to screen assets according to the asset screening parameter rules received by the continuous purchase internal management parameter platform 11, and generate a candidate asset pool according to the screened assets;

[0041] The asset securitization external liaison internal management platform 13 is used to provide a graphical user interface to enable the second user to screen assets from the candidate asset pool, and to generate a recommended resource pool based on the assets screened by the second user;

[0042] The continuous purchase account processing module 14 is used to perform asset transfer and issuance processing on the recommended resource pool account.

[0043] In an optional implementation of the present disclosure, the continuous purchase internal parameter platform 11 is also used to perform asset package date maintenance, asset package basic information maintenance and pool asset balance type maintenance; and provide users with a continuous purchase related parameter configuration interface, and receive continuous purchase related parameters submitted by users through the continuous purchase related parameter configuration interface.

[0044] Specifically, the continuous purchase data screening module 12 is used to screen offline inventory accounts according to at least one of the following dimensions and screen out candidate asset pools according to an agreed ratio:

[0045] The dimensions of interest-bearing or non-interest-bearing proportion, risk level proportion and statistical indicator.

[0046] In an optional implementation of the present invention, the asset securitization external liaison internal management platform 13 is further used to provide the second user with downloading candidate asset pool details through a graphical user interface, and provide the second user with the following two asset screening methods:

[0047] Filter by sequence number range, or filter by list file.

[0048] Specifically, the asset securitization external liaison and internal management platform 13 is used to generate a recommended resource pool according to the following method:

[0049] After the second user performs asset screening, a package pre-verification file is formed according to the information of the screened assets, and the package pre-verification file includes: an account asset pre-verification file and an installment order asset pre-verification file, and then a promotion resource pool is generated according to the package pre-verification file.

[0050] Specifically, the continuous purchase account processing module 14 is used to perform asset transfer and issuance processing on the recommended resource pool account in the following manner:

[0051] The continuous purchasing account processing module parses the received package pre-verification file and performs asset detail verification; if the verification fails, the asset pre-verification result file is recorded to remind the business personnel to eliminate assets that do not meet the requirements and re-upload the package pre-verification file; if the verification passes, an asset package detail file is generated to notify the success of the verification processing, and a package instruction maintenance interface is provided to enable the second user to initiate an asset package instruction for the product that has passed the pre-verification, and package processing is performed according to the asset package instruction initiated by the second user.

[0052] Specifically, the continuous purchase account processing module 14 is used to perform packet processing in the following manner:

[0053] After receiving the packaging instruction, traverse the asset packaging detail file, perform packaging labeling on the assets that have passed the verification, and include the assets in the packaging product asset pool.

[0054] In an optional implementation of the present invention, the continuous purchase account processing module 14 is further configured to initiate an asset unpacking operation for the packaged product upon receiving an instruction to clear the packaged product asset pool.

[0055] Furthermore, the continuous purchase account processing module 14 is also used to perform asset securitization full account unpacking processing in the background after receiving the packaging instruction; specifically, the account assets and installment order assets in the designated packaging product asset pool are placed on the bid, and the liquidation details of the packaging period records are soft-deleted.

[0056] When the package start date configured by the second user is less than the current package processing date, the continuous purchase account processing module 14 needs to perform retrospective processing on the data from the package start date to the package processing date, calculate the cash flow during the retrospective period, and record the settlement details.

[0057] In summary, the disclosed embodiment provides a credit card asset securitization processing system, including: a continuous purchase internal management parameter platform, which is used to provide a configuration interface for asset screening parameter rules for the first user in the form of a graphical user interface, and receive the asset screening parameter rules submitted by the first user through the interface; a continuous purchase data screening module, which is used to screen assets according to the asset screening parameter rules received by the continuous purchase internal management parameter platform, and generate an alternative asset pool according to the screened assets; an asset securitization external connection internal management platform, which is used to provide a graphical user interface to enable the second user to screen assets from the alternative asset pool, and generate a recommended resource pool according to the assets screened by the second user; a continuous purchase account processing module, which is used to perform asset transfer and issuance processing on the recommended resource pool account. Based on the above scheme, the disclosed embodiment provides a relatively complete credit card asset securitization processing system, which can timely and conveniently perform asset securitization continuous purchases for users.

[0058] The credit card asset securitization processing scheme provided by the embodiment of the present disclosure is described in detail below through a specific example:

[0059] Figure 2 This is a logical architecture diagram of an exemplary asset securitization processing system. Figure 2 The system is generally divided into four parts: a continuous purchase internal management parameter platform, a continuous purchase data screening module, an asset securitization external management platform, and a continuous purchase account processing module; among them, the continuous purchase internal management parameter interface provides an operation interface for the issuer's business personnel to configure asset screening parameter rules; the continuous purchase data screening module screens candidate asset pools from massive accounts according to the screening parameter rules configured by the business; the massive accounts can refer to accounts and customer data synchronized from the core database to the HIVE (data warehouse tool) database; the asset securitization external management platform opens up the confirmation channel between the issuer and the trust institution, and the trust institution can screen the candidate asset pool and select assets to fall into the recommendation pool. The continuous purchase account processing module performs asset transfer and issuance processing on the recommendation pool accounts.

[0060] Below Figure 2 The functions and implementation of the four major components of the asset securitization processing system are described in detail below:

[0061] 1. Continue to purchase internal tube parameter platform

[0062] It provides maintenance interfaces for package date, basic package information, asset balance type, and continuous purchase of candidate asset pool parameters, supporting business personnel to flexibly configure continuous purchase related parameters. At the same time, it provides the function of configuration parameter approval and review during the configuration process. Specifically, the basic principle of the approval and review process for a certain configuration is as follows: Figure 3 shown.

[0063] Reference Figure 3 The above approval and review process mainly includes:

[0064] a. The approval status of the record includes draft, pending review, and effective;

[0065] b. After the user adds, modifies or deletes an operation, the record is in draft status. After submission, the status is pending review. The draft status can also be invalidated and the record can be deleted directly.

[0066] c. In the status of pending review, all non-handlers can review it. If it passes the review, it will take effect. If it fails the review, it will be returned to the draft status.

[0067] d. When querying, the current user can query the records in the draft status of the current user, but cannot query the records in the draft status of non-current users. Both pending and effective records can be queried, but when you select the pending review records for which you are the handler, the interface will report an error message and prompt that only records other than yours can be reviewed. The query here will not filter the records in the pending review status with the same handler.

[0068] e. There are three interfaces for adding drafts: add, modify, and delete. After calling the three interfaces, records with operation status A, M, and D are written respectively;

[0069] f. After submitting the operation, it will enter the pending review state;

[0070] g. The record will take effect after successful review. If the review fails, the record will be transferred to draft status.

[0071] 2. Continue to purchase data screening module

[0072] The continuous purchase data screening module uses Hive+Spark distributed computing technology to screen offline inventory accounts from dimensions such as interest-bearing / non-interest-bearing ratio, risk level ratio, and statistical indicator combination, and screens out candidate asset pools according to the agreed ratio. After the credit card core system completes the end-of-day accounting batch processing, it uses the DataX open source component to connect to the near-line library to collect account-related information tables and continuous purchase-related parameter tables, and then writes the collected information to HDFS (Hadoop distributed file system file); Hive uses the Hadoop engine to support large-scale distributed data analysis on HDFS, making it a horizontally scalable database; at the same time, the Spark distributed big data framework is used to extract data from Hadoop and perform analysis and processing in memory. Based on Hive+Spark distributed technology, the time for screening continuous purchase candidate asset pools from massive accounts is effectively reduced. After the end-of-day accounting batch, the candidate pool data is quickly generated and transmitted to the external connection platform, and provided to the trust institution staff and bank business personnel for data screening and confirmation, so that continuous purchase processing can be carried out during the opening hours, reducing the duration of the continuous purchase cycle.

[0073] 3. Asset Securitization External Liaison and Internal Management Platform

[0074] The asset securitization external liaison and internal management platform provides user identity authentication functions, and uses encrypted transmission and encrypted storage for sensitive asset information. It supports authorized trust institution staff to view and download the details of alternative asset pools through the external liaison and internal management interface, and provides two confirmation methods: by serial number interval and by uploading a list file to recommend the purchase of asset pools.

[0075] After initiating a continuous purchase, the entrusted institution and the bank staff (card center staff) need to confirm and review the information separately. The basic process of confirmation and review is as follows: Figure 4 See Figure 4 , the basic process includes:

[0076] S10. Data service screening and continuous purchase of candidate asset data;

[0077] S11, continuous purchase instruction generation;

[0078] S12, continue to store purchase details;

[0079] Specifically, multiple candidate sequence number segment data are stored in the database for external query; the sequence number segment is stored at the instruction layer for sequence number confirmation and verification.

[0080] S13. Confirmation by the trustee of the continuous purchase of assets;

[0081] Specifically, the card center business only confirms the data that has been confirmed by the entrusted institution.

[0082] S14. Continuous purchase details confirmation;

[0083] This page supports confirmation by serial number segment and by list. After confirmation, the instruction details are confirmed.

[0084] S15. Continue to purchase details.

[0085] In this step, the asset bidding operation is performed on the confirmed details.

[0086] Specifically, if the trust institution staff chooses to recommend the purchase of assets by serial number range, fill in the serial number range and click Confirm. If you choose to upload by list file, you can click Confirm after the file upload verification is completed. After confirmation, the flow will be transferred to the issuer staff node for issuer confirmation. If the confirmation fails, the flow will be transferred back to the pending confirmation state. After the confirmation is successful, the instruction notification will be updated to continue the purchase account processing.

[0087] 4. Continuous Purchase Account Processing Module

[0088] The continuous purchase account processing module is mainly responsible for the asset securitization processing of near-line database account information, including account asset packaging, pool entry and exit, issuance and transfer, continuous purchase, and repurchase process business processing. The business principle diagram is as follows Figure 5 shown.

[0089] 1) After receiving the confirmation result of the daily continuous purchase of the candidate pool, the account processing module obtains the asset screening rule selected by the trust institution. When it is determined that the asset screening rule is a serial number interval confirmation, the account processing module screens the account asset data to be processed according to the serial number interval. When it is determined that the asset screening rule is a list file confirmation, the data in the list file is traversed as the account asset data to be continuously purchased;

[0090] 2) Based on the account asset data screened in 1), the near-line database account information is marked with issuance marks, issued accounting processing, and cleared funds carried forward.

[0091] 3) After the continuous purchase is completed, the cash flow generated by the subsequent issuance of assets will be summarized and counted daily by the account processing module. The daily amount of recovered funds will be used as a reference for the screening rules for the next day's continuous purchase of assets.

[0092] Based on the above, the embodiments of the present disclosure have at least the following beneficial effects:

[0093] 1. It provides an interactive method for asset confirmation between asset providers and trust institutions, realizing the real-time and security of asset information confirmation;

[0094] 2. Parameterized settings for asset screening provide business personnel with high availability of parameter configuration and a parameter interface with good interactive experience;

[0095] 3. Daily continuous purchase of alternative asset pool screening methods, based on business configuration parameters, efficient multi-dimensional asset pool screening, supporting screening dimensions including interest-bearing / non-interest-bearing ratio, risk level ratio, and statistical indicator combination;

[0096] 4. Implement an automated asset securitization continuous purchase batch processing mechanism. After the business is completed and the assets are confirmed, the system automatically calls up the batch through the message mechanism and sends the processing results to the relevant parties through common communication methods.

[0097] Embodiment 2

[0098] The second embodiment of the present disclosure provides a credit card asset securitization processing method, which is applied to a credit card asset securitization processing system. Figure 6 , the method comprising:

[0099] Step 601: receiving asset screening parameter rules submitted by a first user;

[0100] Specifically, the continuous purchasing internal management parameter platform receives the asset screening parameter rules submitted by the first user through the configuration interface of the asset screening parameter rules.

[0101] In an optional embodiment of the present invention, the method also includes: continuously purchasing an internal parameter platform to perform asset package date maintenance, asset package basic information maintenance and pool asset balance type maintenance; and providing a continuous purchase related parameter configuration interface for the user, and receiving the continuous purchase related parameters submitted by the user through the continuous purchase related parameter configuration interface.

[0102] Step 602: Screen assets according to the asset screening parameter rule, and generate a candidate asset pool according to the screened assets;

[0103] Specifically, the continuous purchase data screening module screens offline inventory accounts according to at least one of the following dimensions and screens out candidate asset pools according to an agreed ratio:

[0104] The dimensions of interest-bearing or non-interest-bearing proportion, risk level proportion and statistical indicator.

[0105] Step 603: Generate a recommended resource pool based on the assets selected by the second user;

[0106] In actual implementation, the asset securitization external liaison and internal management platform provides the second user with downloadable candidate asset pool details through a graphical user interface, and provides the second user with the following two asset screening methods:

[0107] Filter by sequence number range, or filter by list file.

[0108] Specifically, the asset securitization external liaison and internal management platform generates a recommended resource pool according to the following method:

[0109] After the second user performs asset screening, a package pre-verification file is formed according to the information of the screened assets, and the package pre-verification file includes: an account asset pre-verification file and an installment order asset pre-verification file, and then a promotion resource pool is generated according to the package pre-verification file.

[0110] Step 604: Perform asset transfer and issuance processing on the recommended resource pool account.

[0111] Specifically, the continuous purchase account processing module performs asset transfer and issuance processing for the recommended resource pool account in the following ways:

[0112] The continuous purchasing account processing module parses the received package pre-verification file and performs asset detail verification; if the verification fails, the asset pre-verification result file is recorded to remind the business personnel to eliminate assets that do not meet the requirements and re-upload the package pre-verification file; if the verification passes, an asset package detail file is generated to notify the success of the verification processing, and a package instruction maintenance interface is provided to enable the second user to initiate an asset package instruction for the product that has passed the pre-verification, and package processing is performed according to the asset package instruction initiated by the second user.

[0113] Specifically, the continuous purchase account processing module performs packet processing in the following manner:

[0114] After receiving the packaging instruction, traverse the asset packaging detail file, perform packaging labeling on the assets that have passed the verification, and include the assets in the packaging product asset pool.

[0115] In an optional implementation of the present invention, the method further includes: when the continuous purchase account processing module receives an instruction to clear the package product asset pool, it initiates an asset unpacking operation for the package product.

[0116] The asset securitization processing method provided by the present disclosure is described in detail below through a specific example:

[0117] Figure 7 An asset securitization process provided by an embodiment of the present invention is referred to Figure 7 , mainly including the following processes:

[0118] 1) Asset securitization full account packaging / unpacking processing:

[0119] ① The bank business personnel configure the packet processing parameters, and the offline platform reads the parameters to screen the packet pre-verification data, and provides the packet recommendation detailed file to the business personnel for data selection. The business personnel forms the selected data into files, including the account asset pre-verification file and the installment order asset pre-verification file, and sends these two packet pre-verification files to the asset securitization full account processing system;

[0120] ② The asset securitization full account processing system parses the package pre-verification file and performs asset detail verification. If the verification fails, the asset pre-verification result file is recorded to remind the business personnel to remove assets that do not meet the requirements and re-upload the package pre-verification file. If the verification passes, the asset package detail file is generated to notify the verification process is successful;

[0121] The asset securitization full account processing system provides a package instruction maintenance interface, which allows business personnel to initiate asset package operations for products that have passed pre-verification. After the package instruction is initiated, the background polls the instruction to perform asset securitization full account package processing;

[0122] ③ Asset securitization full account packaging processing, traversing the asset packaging detail files, packaging and bidding the assets that have passed the verification, and incorporating the assets into the package product asset pool;

[0123] ④ If the package start date configured by the business personnel is less than the current package processing date, the asset securitization full account processing system needs to perform retrospective processing on the data from the package start date to the package processing date, calculate the cash flow during the retrospective period, and record the liquidation details;

[0124] ⑤ If the business personnel need to clear the package product asset pool, they can initiate the asset unpacking operation for the package product in the unpacking instruction maintenance interface. After the packing instruction is initiated, the background polling instruction performs asset securitization full account unpacking processing, performs sub-bidding processing on the account assets and installment order assets in the specified package product asset pool, and soft-deletes the liquidation details of the package period record.

[0125] 2) Asset securitization full account issuance processing

[0126] ① On the asset issuance date agreed in the asset securitization product contract, the business personnel shall initiate the issuance operation in the issuance instruction maintenance interface.

[0127] ② The asset securitization full account processing system polls the issuance instructions to issue and transfer the package product asset pool, marks the account assets and installment order assets in the asset pool with issuance marks, and carries forward the cash flow generated during the packaging period.

[0128] 3) Continuous purchase of all accounts for asset securitization

[0129] ①Continuous purchase processing will be carried out every day from the issuance date to the continuous purchase expiration date.

[0130] ② The asset securitization full account system data service module continuously purchases candidate assets for screening and transmits the candidate data to the asset securitization external liaison and internal management platform.

[0131] ③ Trust institutions can screen candidate asset pools on the asset securitization external liaison and internal management platform and select assets to fall into the recommended pool. Bank business personnel review and approve the recommended pool.

[0132] ④ After the recommendation pool passes the review, the account processing module of the asset securitization full account system will complete the issuance and transfer of the recommendation pool account assets.

[0133] Embodiment 3

[0134] Embodiment 3 of the present invention provides a computer-readable storage medium, for example, the non-temporary computer-readable storage medium may be a read-only memory (ROM), a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc. The storage medium stores at least one computer instruction, and when the instruction is executed by the processor, the credit card asset securitization processing method described in Embodiment 2 of the present invention is implemented, which will not be described in detail here.

[0135] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The description and examples are intended to be exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0136] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A credit card asset securitization processing system, characterized in that: The system includes: a continuous purchase internal management parameter platform, a continuous purchase account processing module, an asset securitization external connection internal management platform and a continuous purchase account processing module; wherein, The continuous purchase internal management parameter platform is used to provide the first user with a configuration interface for asset screening parameter rules in the form of a graphical user interface, and receive the asset screening parameter rules submitted by the first user through the interface; The continuous purchase data screening module is used to screen assets according to the asset screening parameter rules received by the continuous purchase internal management parameter platform, and generate a candidate asset pool according to the screened assets; The asset securitization external liaison and internal management platform is used to provide a graphical user interface to enable the second user to screen assets from the candidate asset pool, and to generate a recommended resource pool based on the assets screened by the second user; The continuous purchase account processing module is used to perform asset transfer and issuance processing on the recommended resource pool account; After the second user screens the assets, a package pre-verification file is formed based on the information of the screened assets, and the package pre-verification file includes: an account asset pre-verification file and an installment order asset pre-verification file. Then, a recommended resource pool is generated based on the package pre-verification file.

2. The system according to claim 1, characterized in that The continuous purchase internal parameter platform is also used to maintain the asset package date, asset package basic information and pool asset balance type; and to provide users with a continuous purchase related parameter configuration interface, and receive continuous purchase related parameters submitted by users through the continuous purchase related parameter configuration interface.

3. The system according to claim 1, characterized in that The continuous purchase data screening module is used to screen offline inventory accounts according to at least one of the following dimensions and screen out candidate asset pools according to an agreed ratio: The dimensions of interest-bearing or non-interest-bearing proportion, risk level proportion and statistical indicator.

4. The system according to claim 1, characterized in that The asset securitization external liaison and internal management platform is further used to provide the second user with downloading details of the candidate asset pool through a graphical user interface, and provide the second user with the following two asset screening methods: Filter by sequence number range, or filter by list file.

5. The system according to claim 4, characterized in that The continuous purchase account processing module is used to perform asset transfer and issuance processing on the recommended resource pool account in the following manner: The continuous purchase account processing module parses the received package pre-verification file and performs asset detail verification; If the verification fails, the asset pre-verification result file is recorded to remind the business personnel to remove the assets that do not meet the requirements and re-upload the package pre-verification file; If the verification passes, an asset packaging detail file is generated to notify that the verification process is successful, and a packaging instruction maintenance interface is provided to allow the second user to initiate an asset packaging instruction for the product that has passed the pre-verification, and packaging processing is performed according to the asset packaging instruction initiated by the second user.

6. The system according to claim 5, characterized in that The continuous purchase account processing module is used to perform packet processing in the following manner: After receiving the packaging instruction, traverse the asset packaging detail file, perform packaging labeling on the assets that have passed the verification, and include the assets in the packaging product asset pool.

7. The system according to claim 5, characterized in that: The continuous purchase account processing module is also used to initiate an asset unpacking operation for the packaged product when receiving an instruction to clear the packaged product asset pool.

8. A credit card asset securitization processing method, applied to a credit card asset securitization processing system, characterized in that: The method comprises: Receiving the asset screening parameter rule submitted by the first user; Perform asset screening according to the asset screening parameter rules, and generate a candidate asset pool based on the screened assets; generating a recommended resource pool based on the assets screened by the second user; Process asset transfer and issuance for recommended resource pool accounts; After the second user performs asset screening, a package pre-verification file is formed according to the information of the screened assets, and the package pre-verification file includes: an account asset pre-verification file and an installment order asset pre-verification file, and then a recommended resource pool is generated according to the package pre-verification file.

9. A computer-readable storage medium, characterized in that: The storage medium stores at least one computer instruction, which is loaded and executed by the processor to implement the steps performed in the credit card asset securitization processing method described in claim 8.

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