Method and device for offering official accumulation fund loan to official accumulation fund loan in different places

Abstract

The invention relates to the field of fund scheduling, in particular to a method and device for offering public accumulation fund to offsite public accumulation fund loan. The method comprises the following steps: step 1, a payment place center receives a loan application of a user for repaying remote housing accumulation fund by using personal accumulation fund; 2, the payment place center verifies the loan condition that the personal accumulation fund is used for recharging the offsite accumulation fund; and 3, the payment place center signs an entrusting to extract a public accumulation fund repayment agreement with the user. And 4, regularly extracting the personal accumulation fund of the user to a bank account appointed by the user according to the appointed repayment extraction date by the payment place center. And 5, the loan place center deducts the amount of money to be returned from the bank account agreed by the user regularly according to the agreed repayment day. And 6, pushing and extracting a repayment processing result to the user. The invention discloses a device for recharging official accumulation fund loan from official accumulation fund to official accumulation fund loan from different places. The device comprises a payment place center extraction device and a loan place center loan system repayment device. The system comprises a receiving module, a verification module, a signing module, an extraction module and a pushing module. And the repayment module comprises a repayment module, a pushing module and an informing module.

Description

Technical Field

[0001] The present invention relates to the field of fund dispatching, and in particular to a method and device for using provident fund to repay a provident fund loan in another place. Background Art

[0003] The present invention is based on existing resources, a national housing provident fund data sharing platform, a housing provident fund 12329 SMS platform, a deposit center extraction system, and a loan center loan system, so as to enable users to use personal provident funds at the deposit location to repay provident fund loans in other places, use user bank accounts as a bridge for fund circulation between the deposit location center and the loan location center, use the national housing provident fund data sharing platform as a channel for information exchange between the deposit location center and the loan location center, use the deposit location center extraction system to extract personal provident funds to the user's bank account, and then use the loan location center loan system to deduct repayment funds from the user's bank account for repayment. The method makes little change to the deposit location center and the loan location center system, has low implementation cost, and ensures the safety of funds at the deposit location center in a reimbursement manner, prevents fraudulent withdrawals, and ensures that provident funds are withdrawn for repayment of provident fund loans. Through this method, personal provident fund at the place of deposit can be used to repay provident fund loans in other places. There is no need to travel back and forth to the place of deposit and the place of loan many times, and prepare cumbersome supporting documents to use personal provident fund to repay provident fund loans in other places. This fully protects the rights and interests of depositing employees and reduces the financial pressure on users to repay provident fund loans in other places.

[0004] The reimbursement method refers to a loan repayment model in which the user first uses his own funds to repay the loan on schedule, and the deposit center withdraws the personal provident fund to the user based on the loan repayment details. Summary of the invention

[0005] The main purpose of the present invention is to provide a method and device for using provident fund to repay provident fund loans in other places, so as to effectively solve the problems raised in the background technology.

[0006] To achieve the above object, the present invention adopts the following technical solution: a method for using provident fund to repay a non-local provident fund loan, comprising the following steps:

[0007] Step 1: The deposit center receives the user's application for using personal provident fund to repay the non-local housing provident fund loan, which includes the user's identity information, loan center information, and non-local provident fund loan account number;

[0008] Step 2: The deposit center verifies the conditions for using personal provident fund to repay the provident fund loan in another place;

[0009] Step 3: The deposit center signs an agreement with the user to entrust the withdrawal of housing provident fund for loan repayment;

[0010] Step 4. The deposit center shall regularly withdraw the user's personal provident fund to the user's agreed bank account according to the agreed withdrawal and repayment date; the agreed withdrawal and repayment date shall be the day before the agreed repayment date of the user's off-site provident fund loan, ensuring that when the loan center deducts the repayment amount from the user's agreed bank account according to the agreed repayment date, the deposit center has withdrawn the user's personal provident fund to the user's agreed bank account, ensuring successful deduction of the user's personal provident fund; the agreed bank account must be the bank account agreed for the user's off-site provident fund loan repayment, so that the loan center can deduct the provident fund withdrawn and paid by the deposit center for repayment;

[0011] Step 5: The loan center deducts the amount to be repaid from the user's agreed bank account regularly on the agreed repayment date;

[0012] Step 6: Push the withdrawal and repayment processing results to the user.

[0013] Preferably, in step 2, the deposit center checks the user's personal provident fund account, and checks whether the user has a personal provident fund account in the deposit center through the user's identity information. If the personal provident fund account does not exist, the business of withdrawing provident funds to repay non-local provident fund loans will not be processed; if the personal provident fund account exists, the personal provident fund account is reviewed in combination with the provident fund withdrawal business rules to see whether it meets the conditions for withdrawing personal provident funds to repay non-local provident fund loans. If it does not meet the conditions, the business of withdrawing provident funds to repay non-local provident fund loans will not be processed;

[0014] The deposit location center verifies the user's off-site provident fund loan information, and based on the user's identity information and off-site provident fund loan account, retrieves the "BDC318 loan information" data interface through the national housing provident fund data sharing platform to verify the user's off-site provident fund loan information. If the off-site provident fund loan does not exist or has been settled, the provident fund repayment of the off-site provident fund loan business will not be processed.

[0015] Preferably, in step 3, after step 2 is verified, the deposit location center signs an agreement with the user on entrusting withdrawal to repay the provident fund loan, stipulating the repayment of the off-site provident fund loan, the agreed withdrawal repayment date, the agreed collection bank account, the agreed termination conditions for the entrusted withdrawal of the loan repayment, etc.

[0016] Preferably, step 4 includes the following steps:

[0017] (1) Initiate the loan withdrawal and repayment business. The deposit center initiates the loan withdrawal and repayment business for the contracted users through the provident fund business system in batch processing according to the agreed loan withdrawal and repayment date;

[0018] (2) Verify the off-site provident fund loan and retrieve the "BDC320 Personal Loan Settlement Verification" data interface provided by the National Housing Provident Fund Data Sharing Platform to check whether the user's off-site provident fund loan has been settled. If the off-site provident fund loan has been settled and the deposit center has made a withdrawal based on the latest repayment settlement amount, the withdrawal process will be terminated and the contract will be automatically terminated;

[0019] (3) Verify the individual provident fund account and, based on the provident fund withdrawal business rules, verify whether the user's individual provident fund is allowed to be withdrawn to repay the loan;

[0020] (4) Determine the withdrawal amount for loan repayment. Refer to the withdrawal amount algorithm for repaying local provident fund loans. Obtain the data on the amount of loan repayments and the provident fund withdrawal data required by the algorithm through the National Housing Provident Fund Data Sharing Platform to calculate the withdrawal amount for this loan repayment.

[0021] (5) Withdraw the user's personal provident fund. According to the withdrawal and repayment amount determined this time, withdraw the user's personal provident fund and pay the withdrawn provident fund to the agreed bank account through the settlement system of the Ministry of Housing and Urban-Rural Development;

[0022] (6) Push the withdrawal and loan repayment business flow. If the personal provident fund is successfully withdrawn, the deposit center will push the user's personal provident fund withdrawal business flow to the Ministry of Housing and Urban-Rural Development's provident fund data sharing platform according to the data reporting rules.

[0023] Preferably, in step 6, if the repayment amount is successfully deducted in step 5, the loan center pushes the provident fund repayment business flow to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules;

[0024] The loan center will send users information on whether the current repayment is successful, as well as the current applied amount, actual repayment amount, and outstanding amount through the housing provident fund 12329 SMS platform.

[0025] A device for using provident fund to repay provident fund loans in other places, including a central extraction device at the deposit location and a central loan system repayment device at the loan location. The central extraction device at the deposit location includes a receiving module, a verification module, a signing module, an extraction module, and a push module; the central loan system repayment device at the loan location includes a repayment module, a push module, and a notification module.

[0026] Receiving module: The deposit location center receives users' applications to use provident funds to repay housing provident fund loans in other places.

[0027] Verification module: The deposit location center verifies the conditions for using provident funds to repay provident fund loans in other places.

[0028] Signing module: The deposit center and the user sign an agreement to entrust the withdrawal of provident fund to repay the loan.

[0029] Withdrawal module: The deposit center regularly withdraws the user's personal provident fund to the user's agreed bank account according to the agreed withdrawal and repayment date.

[0030] Push module: When the deposit center successfully withdraws personal provident fund, the user's personal provident fund withdrawal business flow will be pushed to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules.

[0031] Repayment module: The loan center deducts the repayment amount from the user's agreed bank account regularly according to the agreed repayment date.

[0032] Push module: Once the loan center successfully deducts the repayment amount, the provident fund repayment business flow will be pushed to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules.

[0033] Notification module: The loan center sends users information on whether the current repayment is successful, as well as the current applied amount, actual repayment amount, and outstanding amount through the housing provident fund 12329 SMS platform.

[0034] The beneficial effects of the present invention are as follows: the system automatically uses the housing provident fund in another place to repay the local bank loan according to the agreed amount, and the customer does not need to go to the bank every time, thus reducing the burden on the customer. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] Attached Figure 1 It is a schematic diagram of the overall process steps of the present invention.

[0036] Attached Figure 2 For attachment Figure 1 Exploded view of step 2 in the diagram.

[0037] Attached Figure 3 For attachment Figure 1 Exploded view of step 4 in the diagram.

[0038] Attached Figure 4 For attachment Figure 1 Exploded view of step 6 in the diagram. DETAILED DESCRIPTION

[0039] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, rather than all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present invention.

[0040] Example 1

[0041] Attached Figure 1 —4, a method for using provident fund to repay a non-local provident fund loan, comprising the following steps:

[0042] Step 1: The deposit center receives the user's application for using personal provident fund to repay the non-local housing provident fund loan, which includes the user's identity information, loan center information, and non-local provident fund loan account number;

[0043] Step 2: The deposit center verifies the conditions for using personal provident fund to repay the provident fund loan in another place;

[0044] Step 3: The deposit center signs an agreement with the user to entrust the withdrawal of housing provident fund for loan repayment;

[0045] Step 4. The deposit center shall regularly withdraw the user's personal provident fund to the user's agreed bank account according to the agreed withdrawal and repayment date; the agreed withdrawal and repayment date shall be the day before the agreed repayment date of the user's off-site provident fund loan, ensuring that when the loan center deducts the repayment amount from the user's agreed bank account according to the agreed repayment date, the deposit center has withdrawn the user's personal provident fund to the user's agreed bank account, ensuring successful deduction of the user's personal provident fund; the agreed bank account must be the bank account agreed for the user's off-site provident fund loan repayment, so that the loan center can deduct the provident fund withdrawn and paid by the deposit center for repayment;

[0046] Step 5: The loan center deducts the amount to be repaid from the user's agreed bank account regularly on the agreed repayment date;

[0047] Step 6: Push the withdrawal and repayment processing results to the user.

[0048] Preferably, in step 2, the deposit center checks the user's personal provident fund account, and checks whether the user has a personal provident fund account in the deposit center through the user's identity information. If the personal provident fund account does not exist, the business of withdrawing provident funds to repay non-local provident fund loans will not be processed; if the personal provident fund account exists, the personal provident fund account is reviewed in combination with the provident fund withdrawal business rules to see whether it meets the conditions for withdrawing personal provident funds to repay non-local provident fund loans. If it does not meet the conditions, the business of withdrawing provident funds to repay non-local provident fund loans will not be processed;

[0049] The deposit location center verifies the user's off-site provident fund loan information, and based on the user's identity information and off-site provident fund loan account, retrieves the "BDC318 loan information" data interface through the national housing provident fund data sharing platform to verify the user's off-site provident fund loan information. If the off-site provident fund loan does not exist or has been settled, the provident fund repayment of the off-site provident fund loan business will not be processed.

[0050] Preferably, in step 3, after step 2 is verified, the deposit location center signs an agreement with the user on entrusting withdrawal to repay the provident fund loan, stipulating the repayment of the off-site provident fund loan, the agreed withdrawal repayment date, the agreed collection bank account, the agreed termination conditions for the entrusted withdrawal of the loan repayment, etc.

[0051] Preferably, step 4 includes the following steps:

[0052] (1) Initiate the loan withdrawal and repayment business. The deposit center initiates the loan withdrawal and repayment business for the contracted users through the provident fund business system in batch processing according to the agreed loan withdrawal and repayment date;

[0053] (2) Verify the off-site provident fund loan and retrieve the "BDC320 Personal Loan Settlement Verification" data interface provided by the National Housing Provident Fund Data Sharing Platform to check whether the user's off-site provident fund loan has been settled. If the off-site provident fund loan has been settled and the deposit center has made a withdrawal based on the latest repayment settlement amount, the withdrawal process will be terminated and the contract will be automatically terminated;

[0054] (3) Verify the individual provident fund account and, based on the provident fund withdrawal business rules, verify whether the user's individual provident fund is allowed to be withdrawn to repay the loan;

[0055] (4) Determine the withdrawal amount for loan repayment. Refer to the withdrawal amount algorithm for repaying local provident fund loans. Obtain the data on the amount of loan repayments and the provident fund withdrawal data required by the algorithm through the National Housing Provident Fund Data Sharing Platform to calculate the withdrawal amount for this loan repayment.

[0056] (5) Withdraw the user's personal provident fund. According to the withdrawal and repayment amount determined this time, withdraw the user's personal provident fund and pay the withdrawn provident fund to the agreed receiving bank account through the settlement system of the Ministry of Housing and Urban-Rural Development;

[0057] (6) Submit the withdrawal and loan repayment business flow. If the personal provident fund is withdrawn successfully, the deposit center will push the user's personal provident fund withdrawal business flow to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules.

[0058] Preferably, in step 6, if the repayment amount is successfully deducted in step 5, the loan center pushes the provident fund repayment business flow to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules;

[0059] The loan center will send users information on whether the current repayment is successful, as well as the current applied amount, actual repayment amount, and outstanding amount through the housing provident fund 12329 SMS platform.

[0060] A device for using provident fund to repay provident fund loans in other places, including a central extraction device at the deposit location and a central loan system repayment device at the loan location. The central extraction device at the deposit location includes a receiving module, a verification module, a signing module, an extraction module, and a push module; the central loan system repayment device at the loan location includes a repayment module, a push module, and a notification module.

[0061] Receiving module: The deposit location center receives users' applications to use provident funds to repay housing provident fund loans in other places.

[0062] Verification module: The deposit location center verifies the conditions for using provident funds to repay provident fund loans in other places.

[0063] Signing module: The deposit center and the user sign an agreement to entrust the withdrawal of provident fund to repay the loan.

[0064] Withdrawal module: The deposit center regularly withdraws the user's personal provident fund to the user's agreed bank account according to the agreed withdrawal and repayment date.

[0065] Push module: When the deposit center successfully withdraws personal provident fund, the user's personal provident fund withdrawal business flow will be pushed to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules.

[0066] Repayment module: The loan center deducts the repayment amount from the user's agreed bank account regularly according to the agreed repayment date.

[0067] Push module: Once the loan center successfully deducts the repayment amount, the provident fund repayment business flow will be pushed to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules.

[0068] Notification module: The loan center sends users information on whether the current repayment is successful, as well as the current applied amount, actual repayment amount, and outstanding amount through the housing provident fund 12329 SMS platform.

[0069] The beneficial effects of the present invention are as follows: the system automatically uses the housing provident fund in another place to repay the local bank loan according to the agreed amount, and the customer does not need to go to the bank every time, thus reducing the burden on the customer.

[0070] Although the present invention has been described in detail with reference to the aforementioned embodiments, it is still possible for those skilled in the art to modify the technical solutions described in the aforementioned embodiments, or to make equivalent substitutions for some of the technical features therein. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for using provident fund to repay a non-local provident fund loan, comprising the following steps: Step 1: The deposit center receives the user's application for using personal provident fund to repay the non-local housing provident fund loan, which includes the user's identity information, loan center information, and non-local provident fund loan account number; Step 2: The deposit center verifies the conditions for using personal provident fund to repay the provident fund loan in another place; Step 3: The deposit center signs an agreement with the user to entrust the withdrawal of housing provident fund for loan repayment; Step 4. The deposit center shall regularly withdraw the user's personal provident fund to the user's agreed bank account according to the agreed withdrawal and repayment date; the agreed withdrawal and repayment date shall be the day before the agreed repayment date of the user's off-site provident fund loan, ensuring that when the loan center deducts the repayment amount from the user's agreed bank account according to the agreed repayment date, the deposit center has withdrawn the user's personal provident fund to the user's agreed bank account, ensuring successful deduction of the user's personal provident fund; the agreed bank account must be the bank account agreed for the user's off-site provident fund loan repayment, so that the loan center can deduct the provident fund withdrawn and paid by the deposit center for repayment; Step 5: The loan center deducts the amount to be repaid from the user's agreed bank account regularly on the agreed repayment date; Step 6: Push the withdrawal and repayment processing results to the user.

2. The method of using provident fund to repay a non-local provident fund loan according to claim 1, characterized in that: In the step 2, the deposit center checks the user's personal provident fund account, and checks whether the user has a personal provident fund account in the deposit center through the user's identity information. If the personal provident fund account does not exist, the withdrawal of provident fund to repay the non-local provident fund loan will not be processed; if the personal provident fund account exists, the personal provident fund account is reviewed in combination with the provident fund withdrawal business rules to see whether it meets the conditions for withdrawing personal provident fund to repay the non-local provident fund loan. If it does not meet the conditions, the withdrawal of provident fund to repay the non-local provident fund loan will not be processed; The deposit location center verifies the user's off-site provident fund loan information, and retrieves the "BDC318 loan information" data interface through the national housing provident fund data sharing platform based on the user's identity information and off-site provident fund loan account to verify the user's off-site provident fund loan information. If the off-site provident fund loan does not exist or has been settled, the provident fund repayment of the off-site provident fund loan business will not be processed.

3. The method of using provident fund to repay a non-local provident fund loan according to claim 1, characterized in that: In the step three, after the verification of step two is passed, the deposit center and the user sign an agreement on entrusting withdrawal to repay the provident fund loan, stipulating the repayment of the off-site provident fund loan, the withdrawal repayment date, the payment bank account, and the termination conditions of the entrusted withdrawal repayment.

4. The method of using provident fund to repay a non-local provident fund loan according to claim 1, characterized in that: The step 4 includes the following steps: (1) Initiate the loan withdrawal and repayment business. The deposit center initiates the loan withdrawal and repayment business for the contracted users through the provident fund business system in batch processing according to the agreed loan withdrawal and repayment date; (2) Verify the off-site provident fund loan and retrieve the "BDC320 Personal Loan Settlement Verification" data interface provided by the National Housing Provident Fund Data Sharing Platform to check whether the user's off-site provident fund loan has been settled. If the off-site provident fund loan has been settled and the deposit center has made a withdrawal based on the latest repayment settlement amount, the withdrawal process will be terminated and the contract will be automatically terminated; (3) Verify the individual provident fund account and, based on the provident fund withdrawal business rules, verify whether the user's individual provident fund is allowed to be withdrawn to repay the loan; (4) Determine the withdrawal amount for loan repayment. Refer to the withdrawal amount algorithm for repaying local provident fund loans. Obtain the data on the amount of loan repayments and the provident fund withdrawal data required by the algorithm through the National Housing Provident Fund Data Sharing Platform to calculate the withdrawal amount for this loan repayment. (5) Withdraw the user's personal provident fund. According to the withdrawal and repayment amount determined this time, withdraw the user's personal provident fund and pay the withdrawn provident fund to the agreed bank account through the settlement system of the Ministry of Housing and Urban-Rural Development; (6) Push the withdrawal and loan repayment business flow. If the personal provident fund is successfully withdrawn, the deposit center will push the user's personal provident fund withdrawal business flow to the Ministry of Housing and Urban-Rural Development's provident fund data sharing platform according to the data reporting rules.

5. The method of using provident fund to repay a non-local provident fund loan according to claim 1, characterized in that: In step 6, if the repayment amount is successfully deducted in step 5, the loan center will push the provident fund repayment business flow to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules; The loan center will send users information on whether the current repayment is successful, as well as the current applied amount, actual repayment amount, and outstanding amount through the housing provident fund 12329 SMS platform.

6. A device for using provident fund to repay provident fund loans in other places, comprising a central extraction device at the deposit location and a central loan system repayment device at the loan location.

7. The device for using provident fund to repay provident fund loans in other places according to claim 6, characterized in that: The deposit center extraction device comprises: Receiving module: The deposit center receives the user's application for using provident fund to repay the housing provident fund loan in another place; Verification module: The deposit center verifies the conditions for using provident funds to repay provident fund loans in other places; Contract signing module: The deposit center and the user sign an agreement for entrusting the withdrawal of housing provident fund for loan repayment; Withdrawal module: The deposit center regularly withdraws the user's personal provident fund to the user's agreed bank account according to the agreed withdrawal and repayment date; Push module: When the deposit center successfully withdraws personal provident fund, the user's personal provident fund withdrawal business flow will be pushed to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules.

8. The device for using provident fund to repay provident fund loans in other places according to claim 6, characterized in that: The loan repayment device of the loan center system includes: Repayment module: The loan center regularly deducts the amount to be repaid from the user's agreed bank account on the agreed repayment date; Push module: After the loan center successfully deducts the repayment amount, it pushes the provident fund repayment business flow to the provident fund data sharing platform of the Ministry of Housing and Urban-Rural Development according to the data reporting rules; Notification module: The loan center sends the user information on whether the current repayment is successful or not, as well as the current applied amount, actual repayment amount, and outstanding amount through the housing provident fund 12329 SMS platform.

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