CN110689420A - Honesty bill operating system - Google Patents
Honesty bill operating system Download PDFInfo
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- CN110689420A CN110689420A CN201810722168.1A CN201810722168A CN110689420A CN 110689420 A CN110689420 A CN 110689420A CN 201810722168 A CN201810722168 A CN 201810722168A CN 110689420 A CN110689420 A CN 110689420A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses an honest bill operating system, which comprises: the login module is used for logging in users with different roles, wherein the user roles comprise but are not limited to owe a single person, a guarantor, a borrower and a tourist, and at least one user role of each user is provided; the debt module is used for a debt person to establish a debt; the guarantee module is used for the guarantee person to select whether to provide guarantee service or not, and track and inquire the guarantee debt; the lending module is used for lending funds by a borrower and tracking the fund repayment progress; the communication module is used for realizing the communication among the debt module, the guarantee module and the lending module; and the query module is used for the debtor, the guarantor and the borrower to query the related progress condition of the debt. The invention monitors the debt information in an electronic mode, is more efficient and convenient, and can effectively supervise multiple parties, thereby providing legal basis for folk lending.
Description
Technical Field
The invention relates to the technical field of network repayment, in particular to an honest bill operating system.
Background
The folk loan refers to the behavior of financing among natural people, legal people, other organizations and their mutual organizations, but not the financial institutions and their branches approved by the financial regulatory department to engage in loan transactions.
The folk loan is used as a financing means with abundant resources and simple and flexible operation, thereby relieving the contradiction of insufficient credit funds of banks to a certain extent and promoting the economic development. However, it is obvious that the randomness and the risk of the folk loan easily cause a plurality of social problems. Most of money borrowing to private persons is fund transaction carried out in semi-public or even secret, the two sides of the borrowing and lending are maintained only by the credit, the borrowing and lending procedure is incomplete, the guarantee mortgage is lacked, reliable legal guarantee is not provided, and disputes and criminal crimes are very easy to cause once the situation changes. In view of this, folk lending must also be performed in a standardized manner, gradually taking into the regulated track.
Therefore, the present inventors have earnestly demanded to conceive a new technology to improve the problems thereof.
Disclosure of Invention
In order to solve the technical problem, the invention provides an honest bill operating system.
The technical scheme of the invention is as follows:
an honest bill operating system, comprising:
the login module is used for logging in users with different roles, wherein the user roles comprise but are not limited to owe a single person, a guarantor, a borrower and a tourist, and at least one user role of each user is provided;
the debt module is used for a debt person to establish a debt;
the guarantee module is used for the guarantee person to select whether to provide guarantee service or not, and track and inquire the guarantee debt;
the lending module is used for lending funds by a borrower and tracking the fund repayment progress;
the communication module is used for realizing the communication among the debt module, the guarantee module and the lending module;
and the query module is used for the debtor, the guarantor and the borrower to query the related progress condition of the debt.
Preferably, the device further comprises an integrity evaluation module for judging and analyzing the user's trust condition and publishing the judgment and analysis result.
Preferably, the debt module specifically includes:
the arrears establishing unit is used for establishing an arrear by the user and indicating the borrower;
the guarantor invitation unit is used for inviting the guarantor to carry out guaranty on the debt;
and the debt payment unit is used for paying the debt by the user and sending the paying information to the lending module and/or the guarantee module.
Preferably, the lending module specifically includes:
the debt confirmation unit is used for confirming the debt information sent by the debt person and selecting whether to accept the debt information;
the arrear bill unit is used for confirming the repayment information of the arrear bill, selecting the bill when the repayment information is consistent with the arrear bill, and sending the bill information to the signer and/or the guarantor;
and the debt ticket rejection unit is used for confirming the repayment information of the debt ticket, selecting rejection tickets when the repayment information is not accordant with the debt ticket, and sending the rejection tickets to the signatory and/or the guarantor.
Preferably, the system also comprises an interest rate calculation module which is used for calculating the interest rate of the debt and displaying the interest rate to the debtor, the guarantor and the borrower through the communication module.
Preferably, the system also comprises a reminding module used for reminding the owed person, the guarantor and the borrower within a certain period.
Preferably, the debt module further comprises a delay application unit, which is used for the debtor to apply for a delay of repayment and send the delay application to the lending module and/or the guarantee module.
Preferably, the system further comprises a fund storage module and an online shopping mall module, wherein the fund storage module is used for fund storage for owed single persons, guarantors, borrowers and tourists, and the online shopping mall is used for consumption for owed single persons, guarantors, borrowers and tourists.
By adopting the technical scheme, the invention at least comprises the following beneficial effects:
the honest bill operation system provided by the invention monitors the debt information in an electronic mode, is more efficient and convenient, and can effectively supervise multiple parties, thereby providing legal basis for folk lending.
Drawings
Fig. 1 is a schematic structural diagram of the integrity bill operating system according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As shown in fig. 1, an honest bill operating system according to the present invention includes:
the login module is used for logging in users with different roles, wherein the user roles comprise but are not limited to owe a single person, a guarantor, a borrower and a tourist, and at least one user role of each user is provided;
the debt module is used for a debt person to establish a debt;
the guarantee module is used for the guarantee person to select whether to provide guarantee service or not, and track and inquire the guarantee debt;
the lending module is used for lending funds by a borrower and tracking the fund repayment progress;
the communication module is used for realizing the communication among the debt module, the guarantee module and the lending module;
and the query module is used for the debtor, the guarantor and the borrower to query the related progress condition of the debt.
Preferably, the device further comprises an integrity evaluation module for judging and analyzing the user's trust condition and publishing the judgment and analysis result.
Preferably, the debt module specifically includes:
the arrears establishing unit is used for establishing an arrear by the user and indicating the borrower;
the guarantor invitation unit is used for inviting the guarantor to carry out guaranty on the debt;
and the debt payment unit is used for paying the debt by the user and sending the paying information to the lending module and/or the guarantee module.
Preferably, the lending module specifically includes:
the debt confirmation unit is used for confirming the debt information sent by the debt person and selecting whether to accept the debt information;
the arrear bill unit is used for confirming the repayment information of the arrear bill, selecting the bill when the repayment information is consistent with the arrear bill, and sending the bill information to the signer and/or the guarantor;
and the debt ticket rejection unit is used for confirming the repayment information of the debt ticket, selecting rejection tickets when the repayment information is not accordant with the debt ticket, and sending the rejection tickets to the signatory and/or the guarantor.
Preferably, the system also comprises an interest rate calculation module which is used for calculating the interest rate of the debt and displaying the interest rate to the debtor, the guarantor and the borrower through the communication module.
Preferably, the system also comprises a reminding module used for reminding the owed person, the guarantor and the borrower within a certain period.
Preferably, the debt module further comprises a delay application unit, which is used for the debtor to apply for a delay of repayment and send the delay application to the lending module and/or the guarantee module.
Preferably, the system further comprises a fund storage module and an online shopping mall module, wherein the fund storage module is used for fund storage for owed single persons, guarantors, borrowers and tourists, and the online shopping mall is used for consumption for owed single persons, guarantors, borrowers and tourists.
Specifically, the user enters the system first, namely, enters a user name and a password through a login interface. And an online shopping mall module is arranged in the system home page, so that the user can collect and purchase commodity information in the online shopping mall module.
When a new order is owed, the method comprises the following processes:
1. and filling the arrears information.
And searching in the friends and filling in the name of the signatory.
If the signpost is not a friend, the signpost fills in the phone number and the identification code of the signpost to add the friend and send a debt.
The arrears mode is selected.
2. Enter order-lack making interface
And filling in the name of the client on the to-be-signed document.
Clicking the 'adding photo' can upload the unit data to be signed by taking a picture or selecting a photo.
And filling the total amount on the debt to be signed.
And filling the interest arrearage rate on the document to be signed.
Fill out the number of installments for installment.
And generating repayment time and money amount.
A decision is made as to whether the debtor needs a guarantee.
And clicking the adding picture to shoot and deliver the bill of lading and uploading the bill of lading to the platform.
And the filled good and arrears are sent to the arrears in a single-point triggering mode.
Wherein the vouch-for invitation includes the steps of:
the invited guarantor name is filled in.
Fill in the annual percentage of the warranty fee to the warranty amount.
The system automatically generates a premium.
The data points are written and sent to the invitee, and if the data points are not guaranteed, the step is omitted.
For the guarantor, he may choose to agree or disagree with the guaranty and send a confirmation to the owed person.
For the borrower, the borrower can select the identity used by the endorsement bill to sign, and input the verification code and the password to confirm the endorsement. It may also choose to agree or disagree with the warranty.
Of course, the embodiment also includes functions such as payment due reminding, customer check-up inquiry, customer check-up confirmation, customer rejection, waiting for confirmation to take effect, customer application delay, and return information.
Certainly, the present embodiment further includes an integrity module, configured to determine and analyze the user's trust status, and publish the determination and analysis result. In a preferred embodiment it can be used to make vouching and vouched-for information queries, legal assistance and debt agency assistance. Debt to and from inquiry, message loss reminding and the like.
The embodiment monitors the debt information in an electronic mode, is more efficient and convenient, can effectively supervise multiple parties and provides legal basis for folk lending.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
Claims (8)
1. An honest bill operating system, comprising:
the login module is used for logging in users with different roles, wherein the user roles comprise but are not limited to owe a single person, a guarantor, a borrower and a tourist, and at least one user role of each user is provided;
the debt module is used for a debt person to establish a debt;
the guarantee module is used for the guarantee person to select whether to provide guarantee service or not, and track and inquire the guarantee debt;
the lending module is used for lending funds by a borrower and tracking the fund repayment progress;
the communication module is used for realizing the communication among the debt module, the guarantee module and the lending module;
and the query module is used for the debtor, the guarantor and the borrower to query the related progress condition of the debt.
2. The loyalty billing operating system of claim 1, wherein: the device also comprises an integrity evaluation module which is used for judging and analyzing the user's information-keeping condition and publishing the judgment and analysis result.
3. The honest bill operating system of claim 1 or 2, wherein the debt module specifically comprises:
the arrears establishing unit is used for establishing an arrear by the user and indicating the borrower;
the guarantor invitation unit is used for inviting the guarantor to carry out guaranty on the debt;
and the debt payment unit is used for paying the debt by the user and sending the paying information to the lending module and/or the guarantee module.
4. The honest bill operating system of any one of claims 1-3, wherein the lending module specifically comprises:
the debt confirmation unit is used for confirming the debt information sent by the debt person and selecting whether to accept the debt information;
the arrear bill unit is used for confirming the repayment information of the arrear bill, selecting the bill when the repayment information is consistent with the arrear bill, and sending the bill information to the signer and/or the guarantor;
and the debt ticket rejection unit is used for confirming the repayment information of the debt ticket, selecting rejection tickets when the repayment information is not accordant with the debt ticket, and sending the rejection tickets to the signatory and/or the guarantor.
5. The honest bill operating system of any one of claims 1-4, wherein: the system also comprises an interest rate calculation module which is used for calculating the interest rate of arrears and displaying the interest rate to arrears, guarantors and borrowers through the communication module.
6. The honest bill operating system of any one of claims 1-5, wherein: the system also comprises a reminding module used for reminding the owed person, the guarantor and the borrower within a certain period.
7. The honest bill operating system of any one of claims 1-6, wherein: the debt module also comprises a delay application unit which is used for a debtor to apply for a payment delay and send the delay application to the lending module and/or the guarantee module.
8. The honest bill operating system of any one of claims 1-7, wherein: still include a fund storage module and online shopping mall module, fund storage module is used for supplying owe single, the guarantor, the borrower and the visitor carry out the fund and store, online shopping mall is used for supplying owe single, the guarantor, the borrower and the visitor consumes.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810722168.1A CN110689420A (en) | 2018-07-04 | 2018-07-04 | Honesty bill operating system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810722168.1A CN110689420A (en) | 2018-07-04 | 2018-07-04 | Honesty bill operating system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110689420A true CN110689420A (en) | 2020-01-14 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810722168.1A Pending CN110689420A (en) | 2018-07-04 | 2018-07-04 | Honesty bill operating system |
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| CN (1) | CN110689420A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113298618A (en) * | 2021-05-21 | 2021-08-24 | 天津智农科技有限公司 | Rural property right transaction system |
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