CN117557357A - System and method for extracting and returning commercial loan from public accumulation - Google Patents
System and method for extracting and returning commercial loan from public accumulation Download PDFInfo
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- CN117557357A CN117557357A CN202210920427.8A CN202210920427A CN117557357A CN 117557357 A CN117557357 A CN 117557357A CN 202210920427 A CN202210920427 A CN 202210920427A CN 117557357 A CN117557357 A CN 117557357A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
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Abstract
The invention discloses a system and a method for extracting and returning commercial loans from an accumulation fund, wherein the system comprises the following steps: the invention relates to a system and a method for extracting and returning commercial loans, which are used for processing transaction failure conditions, comprising a repayment signing and extracting repayment.
Description
Technical Field
The invention relates to the field of accumulation fund repayment, in particular to a system and a method for extracting and repaying commercial loans by accumulation fund.
Background
Commercial loans are loans used to supplement the working funds of industrial and commercial enterprises, typically short-term loans, typically 9 months, up to a year, but also small amounts of medium-term and long-term loans. Such loans are a major component of commercial bank loans, and generally account for more than one third of the total amount of the loan. With the development of society, more and more people carrying out commercial loans have single repayment way, and many users do not meet the condition of the commercial loan or have already carried out the commercial loan at present, but hope to use the commercial loan to be repayment by using the commercial loan, the existing system lacks the work of extracting the commercial loan to carry out automatic repayment, and is inconvenient to use.
Disclosure of Invention
The present invention is directed to a system and method for extracting an accumulated fund and returning a commercial loan, so as to solve the above-mentioned problems in the prior art.
In order to achieve the above purpose, the present invention provides the following technical solutions: a system for extracting an accumulation fund for a commercial loan, the system comprising:
the identity information authentication module is used for authenticating the name and the identity card information of the user;
the bank information receiving and transmitting module is used for sending a commercial loan inquiry request to a commercial bank for the user information, initiating a monthly repayment flow inquiry request to the bank and receiving an inquiry result returned by the bank;
the verification module is used for verifying whether the main lender and the spouse meet the admission requirement;
the loan signing module is used for signing and entrusting a repayment agreement by month after meeting the requirements;
the data storage module is used for storing bank return data, summarized commercial loan repayment data, successful transaction data accounting and the like;
the information receiving and transmitting module of the living building department is used for sending and receiving information of a settlement system of the living building department;
the payment transaction module is used for paying a transaction merchant credit;
and the transaction exception processing module is used for processing the transaction failure condition.
A method of extracting an aggregate fund for a commercial loan, the method comprising the steps of:
repayment contract:
s1, identity authentication: the public accumulation center reads personal information of the user, and the system performs authentication matching on the identity of the user through name and identity card information;
s2, sending a query request: after the step S1, the identity information matching successful completion system sends a commercial loan inquiry request to a commercial implication based on the user information, performs commercial loan information inquiry, and performs loan information checking processing of commercial loans on the user;
s3, returning merchant credit information: the commercial bank receives the commercial loan inquiry request and returns the user business loan contract number, the borrowing contract number and the borrowing related information to the public accumulation center;
s4, displaying the merchant credit data: the public accumulation center system receives the commercial loan information returned by the bank and displays the commercial loan information on an interface for the user to check and confirm;
s5, loan selection: providing a selection entry for the user to select if a plurality of commercial loan information items exist under the user name, and confirming the bound commercial loan;
s6, checking intelligent rules of the system: the public accumulation center system verifies whether the principal lender and the spouse meet the admission requirement or not through a rule checking system, and if the principal lender and the spouse do not meet the admission requirement, the principal lender and the spouse do not pass through a signing flow;
s7, signing printing: after passing the verification in the upper step S6, the system meets the admission requirement, namely the user signing is successful, and prints a monthly commission repayment agreement.
Second, extracting and repayment:
s1, service initiation: the public accumulation system automatically initiates public accumulation monthly entrustment repayment business for the signed user after the whole step one in the number 10 per month;
s2, inquiring repayment information of the commercial loan: the public accumulation center system initiates a monthly repayment flow inquiry request to the commercial bank to inquire the repayment record condition of the user in the last month;
s3, pushing repayment running water: after receiving the request, the commercial bank performs data organization, and asynchronously pushes the repayment flow to the public accumulation center system;
s4, data receiving: after repayment flow pushing is performed through the upper step S3, the public accumulation center system receives the returned data of the commercial bank and stores the flow record;
s5, sending a transaction request: the system collects the commercial loan repayment data and sends a batch payment transaction request to the living building settlement system;
s6, returning a transaction result: the settlement system of the living building part returns the result to the public accumulation center system after the payment amount transaction is finished;
s7, accounting processing: the public accumulation center system inquires the batch payment transaction result, and the successful transaction data are subjected to accounting processing and stored;
s8, exception handling: and processing the transaction failure condition and feeding back to the user.
As a preferable technical scheme of the invention, the user name authentication matching mode adopted in the S1 identity authentication in the step one can be terminal induction identification identity card and face scanning identification or input through manual channel input.
In the step S5 loan selection, the public accumulation center system limits only one loan to be selected for signing.
In the step one, the S6 system intelligent rule check is fed back to the client through the display interface to fail verification if the requirement is not met and the subscription is not passed.
In the step S7 subscription printing, the monthly entrusted repayment protocol of the printing is paper or electronic, so that the customer can select.
In the step S8 exception processing, if there is transaction failure data, the system selects a receipt notification returned by the bank to match the receipt.
In the step S8 exception processing, the central system analyzes the cause of the transaction failure, and if necessary, can re-initiate a re-payment request for the data of the accounting failure.
Compared with the prior art, the invention has the beneficial effects that:
according to the input information, the user identity is matched, the loan information of the commercial loan is checked and processed for the user, the subscription is completed in the system, the total deposit extraction processing is carried out monthly, the picking and data sending operations are carried out periodically according to the extraction request, the system carries out accounting after the payment transaction is successful, the employee running account is generated, the user is helped to finish the extraction and repayment of the commercial loan, the repayment way of the user is more diversified, the extraction and use range is expanded, the utilization rate of the collected funds is also improved, the problem of the user repayment fund source is solved, the repayment is extracted monthly, time and time are saved, and the use is convenient.
Drawings
FIG. 1 is a schematic flow chart of step one of the present invention;
FIG. 2 is a schematic flow chart of the first step of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Referring to FIGS. 1-2, the present invention provides a system for extracting an aggregate fund for a commercial loan, the system comprising:
the identity information authentication module is used for authenticating the name and the identity card information of the user;
the bank information receiving and transmitting module is used for sending a commercial loan inquiry request to a commercial bank for the user information, initiating a monthly repayment flow inquiry request to the bank and receiving an inquiry result returned by the bank;
the verification module is used for verifying whether the main lender and the spouse meet the admission requirement;
the loan signing module is used for signing and entrusting a repayment agreement by month after meeting the requirements;
the data storage module is used for storing bank return data, summarized commercial loan repayment data, successful transaction data accounting and the like;
the information receiving and transmitting module of the living building department is used for sending and receiving information of a settlement system of the living building department;
the payment transaction module is used for paying a transaction merchant credit;
and the transaction exception processing module is used for processing the transaction failure condition.
A method of extracting an aggregate value for a commercial loan, the method comprising the steps of:
repayment contract:
s1, identity authentication: the public accumulation center reads personal information of the user, and the system performs authentication matching on the identity of the user through name and identity card information;
s2, sending a query request: after the step S1, the identity information matching successful completion system sends a commercial loan inquiry request to the commercial implication based on the user information, inquires the commercial loan information, and checks the loan information of the commercial loan for the user;
s3, returning merchant credit information: the commercial bank receives the commercial loan inquiry request and returns the user business loan contract number, the borrowing contract number and the borrowing related information to the public accumulation center;
s4, displaying the merchant credit data: the public accumulation center system receives the commercial loan information returned by the bank and displays the commercial loan information on an interface for the user to check and confirm;
s5, loan selection: providing a selection entry for the user to select if a plurality of commercial loan information items exist under the user name, and confirming the bound commercial loan;
s6, checking intelligent rules of the system: the public accumulation center system verifies whether the principal lender and the spouse meet the admission requirement or not through a rule checking system, and if the principal lender and the spouse do not meet the admission requirement, the principal lender and the spouse do not pass through a signing flow;
s7, signing printing: after passing the verification in the upper step S6, the system meets the admission requirement, namely the user signing is successful, and prints a monthly commission repayment agreement.
Second, extracting and repayment:
s1, service initiation: the public accumulation system automatically initiates public accumulation monthly entrustment repayment business for the signed user after the whole step one in the number 10 per month;
s2, inquiring repayment information of the commercial loan: the public accumulation center system initiates a monthly repayment flow inquiry request to the commercial bank to inquire the repayment record condition of the user in the last month;
s3, pushing repayment running water: after receiving the request, the commercial bank performs data organization, and asynchronously pushes the repayment flow to the public accumulation center system;
s4, data receiving: after repayment flow pushing is performed through the upper step S3, the public accumulation center system receives the returned data of the commercial bank and stores the flow record;
s5, sending a transaction request: the system collects the commercial loan repayment data and sends a batch payment transaction request to the living building settlement system;
s6, returning a transaction result: the settlement system of the living building part returns the result to the public accumulation center system after the payment amount transaction is finished;
s7, accounting processing: the public accumulation center system inquires the batch payment transaction result, and the successful transaction data are subjected to accounting processing and stored;
s8, exception handling: and processing the transaction failure condition and feeding back to the user.
In S1 identity authentication, the adopted user name authentication matching mode can be terminal induction identification identity card and face scanning identification, or input is processed through manual channel input, in S5 loan selection in step one, the public accumulation center system limits only one loan to be signed, in S6 system intelligent rule verification in step one, feedback is carried out to a customer through a display interface to verify failure when the requirements are not met and the signing is not passed, in S7 signing printing in step one, the printed monthly entrusted loan returning protocol is a paper version or an electronic version for customer selection.
In the S8 exception processing of the first step, if transaction failure data exists, the system checks in by selecting a check-out notice returned by the bank, and in the S8 exception processing of the first step, the central system analyzes the transaction failure reason and can re-initiate a request for re-payment to the data with accounting failure if necessary.
When the system and the method for extracting and repaying commercial loans are particularly used, the system and the method for extracting and repaying commercial loans are used for matching the user identities according to the input information, carrying out loan information checking processing on the commercial loans according to the matched identity information and a preset business rule matrix, completing signing in the system, carrying out the public accumulation extraction processing by a monthly calculation engine, regularly carrying out the operations of taking numbers and sending data according to the extraction request, carrying out data sending and carrying out billing after successful payment transaction, and generating staff running accounts to help the user to finish extracting repayment merchant loans and extracting and repaying the commercial loans, so that the user repayment ways are more diversified, the use range of the extraction is expanded, the fund use rate of the collection is also improved, the problem of the user repayment fund sources is solved, and the repayment is automatically extracted according to the rules in a month, so that time and worry are saved.
Although the present invention has been described with reference to the foregoing embodiments, it will be apparent to those skilled in the art that modifications may be made to the embodiments described, or equivalents may be substituted for elements thereof, and any modifications, equivalents, improvements and changes may be made without departing from the spirit and principles of the present invention.
Claims (9)
1. A system for extracting an accumulation fund and returning a commercial loan, characterized in that: the system comprises:
the identity information authentication module is used for authenticating the name and the identity card information of the user;
the bank information receiving and transmitting module is used for sending a commercial loan inquiry request to a commercial bank for the user information, initiating a monthly repayment flow inquiry request to the bank and receiving an inquiry result returned by the bank;
the verification module is used for verifying whether the main lender and the spouse meet the admission requirement;
the loan signing module is used for signing and entrusting a repayment agreement by month after meeting the requirements;
the data storage module is used for storing bank return data, summarized commercial loan repayment data, successful transaction data accounting and the like;
the information receiving and transmitting module of the living building department is used for sending and receiving information of a settlement system of the living building department;
the payment transaction module is used for paying a transaction merchant credit;
and the transaction exception processing module is used for processing the transaction failure condition.
2. A method for extracting an accumulation fund and returning a commercial loan, which is characterized by comprising the following steps: the method comprises the following steps:
repayment contract:
s1, identity authentication: the public accumulation center reads personal information of the user, and the system performs authentication matching on the identity of the user through name and identity card information;
s2, sending a query request: after the step S1, the identity information matching successful completion system sends a commercial loan inquiry request to a commercial implication based on the user information, performs commercial loan information inquiry, and performs loan information checking processing of commercial loans on the user;
s3, returning merchant credit information: the commercial bank receives the commercial loan inquiry request and returns the user business loan contract number, the borrowing contract number and the borrowing related information to the public accumulation center;
s4, displaying the merchant credit data: the public accumulation center system receives the commercial loan information returned by the bank and displays the commercial loan information on an interface for the user to check and confirm;
s5, loan selection: providing a selection entry for the user to select if a plurality of commercial loan information items exist under the user name, and confirming the bound commercial loan;
s6, checking intelligent rules of the system: the public accumulation center system verifies whether the principal lender and the spouse meet the admission requirement or not through a rule checking system, and if the principal lender and the spouse do not meet the admission requirement, the principal lender and the spouse do not pass through a signing flow;
s7, signing printing: after passing the verification in the upper step S6, the system meets the admission requirement, namely the user signing is successful, and prints a monthly commission repayment agreement.
3. Second, extracting and repayment:
s1, service initiation: the public accumulation system automatically initiates public accumulation monthly entrustment repayment business for the signed user after the whole step one in the number 10 per month;
s2, inquiring repayment information of the commercial loan: the public accumulation center system initiates a monthly repayment flow inquiry request to the commercial bank to inquire the repayment record condition of the user in the last month;
s3, pushing repayment running water: after receiving the request, the commercial bank performs data organization, and asynchronously pushes the repayment flow to the public accumulation center system;
s4, data receiving: after repayment flow pushing is performed through the upper step S3, the public accumulation center system receives the returned data of the commercial bank and stores the flow record;
s5, sending a transaction request: the system collects the commercial loan repayment data and sends a batch payment transaction request to the living building settlement system;
s6, returning a transaction result: the settlement system of the living building part returns the result to the public accumulation center system after the payment amount transaction is finished;
s7, accounting processing: the public accumulation center system inquires the batch payment transaction result, and the successful transaction data are subjected to accounting processing and stored;
s8, exception handling: and processing the transaction failure condition and feeding back to the user.
4. A method of extracting an accumulation fund for a loan of business as in claim 2, wherein: the user name authentication matching mode adopted in the S1 identity authentication in the first step can be terminal induction identification identity card and face scanning identification or input through manual channel input.
5. A method of extracting an accumulation fund for a loan of business as in claim 2, wherein: in the step S5 loan selection, the public accumulation center system limits that only one loan can be selected for signing.
6. A method of extracting an accumulation fund for a loan of business as in claim 2, wherein: in the step S6 system intelligent rule verification, if the requirements are not met and the subscription is not passed, feedback is sent to the client through the display interface to verify failure.
7. A method of extracting an accumulation fund for a loan of business as in claim 2, wherein: in the S7 subscription printing of the step one, the monthly entrusted repayment agreement of printing is a paper version or an electronic version for the customer to select.
8. A method of extracting an accumulation fund for a loan of business as in claim 2, wherein: in the S8 exception processing of the step one, if transaction failure data exists, the system matches and checks in by selecting a check-in notification returned by the bank.
9. A method of extracting an accumulation fund for a commercial loan according to claim 1, wherein: in the step one S8 exception processing, the central system analyzes the transaction failure cause, and if necessary, can re-initiate a request for re-payment to the data with failed billing.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210920427.8A CN117557357A (en) | 2022-08-02 | 2022-08-02 | System and method for extracting and returning commercial loan from public accumulation |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210920427.8A CN117557357A (en) | 2022-08-02 | 2022-08-02 | System and method for extracting and returning commercial loan from public accumulation |
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| CN117557357A true CN117557357A (en) | 2024-02-13 |
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| CN202210920427.8A Pending CN117557357A (en) | 2022-08-02 | 2022-08-02 | System and method for extracting and returning commercial loan from public accumulation |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN119128850A (en) * | 2024-11-13 | 2024-12-13 | 北京安泰伟奥信息技术有限公司 | Methods, systems, equipment, media and products for dynamic supervision of housing provident funds |
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2022
- 2022-08-02 CN CN202210920427.8A patent/CN117557357A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN119128850A (en) * | 2024-11-13 | 2024-12-13 | 北京安泰伟奥信息技术有限公司 | Methods, systems, equipment, media and products for dynamic supervision of housing provident funds |
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