Method and system for processing online joint guarantee

摘要

A method and a system are disclosed for processing online joint guarantee. After a server receives an application from a user, the server provides various types of joint guarantee grouping to the user for selection. The server creates a joint guarantee group having a unique ID according to the selection of the user, organizes the information of the joint guarantee group into a data packet and sends the data packet to a bank system to be approved. The method potentially improves the success rate of joint guarantee grouping and removes the geographical limitations. Through the Internet, the method makes it possible to join companies of different geographical locations for online joint guarantee. The method also establishes a complete online alert mechanism, and realizes computerized loan risk control to improve the business credit system.

主权项

1. A method for processing online joint guarantee, the method comprising:
receiving, from a device of a user, a loan application; enabling the user to select a joint guarantee grouping type for the loan application; creating, by a server, a joint guarantee group designated to the loan application based on a selection of the user, group members of the joint guarantee group guaranteeing timely payment of the loan; determining, by the server, an additional user as a member candidate of the group members of the joint guarantee group using data of historical activities of the additional user that are associated with joint guarantee grouping; assigning a unique identifier (ID) to the joint guarantee group; and transmitting the unique ID and information associated with the group members of the joint guarantee group to a banking system.