Method and system for processing online joint guarantee

• US 8,924,456 B2
• Filed: 10/22/2008
• Issued: 12/30/2014
• Est. Priority Date: 10/25/2007
• Status: Active Grant

• Current Assignee: Advanced New Technologies Company Limited (Ant Group Co., Ltd.)
• Original Assignee: Alibaba Group Holding Ltd.
• Inventors: Hu, Xiaoming, Gao, Jing, Li, Feng, Xia, Jinbo, Lv, Weiyan, Zhang, Zhengwei, Xu, Yanmin, Zhang, Lijiang
• Primary Examiner(s): TRUONG, LAN DAI T
• Application Number:
  US12/298,247
• Publication Number:
  US 20110219054A1
• Time in Patent Office: 2,260 Days
• Field of Search: 709/202, 709/203, 709/224, 709/200
• US Class Current: 709/200
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

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.

Claims

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.

2. The method of claim 1, further comprising:

determining by the server whether the user satisfies a predetermined requirement for applying for a loan; and

in the event that the user does not satisfy the predetermined requirement, storing the user and the loan application.

3. The method of claim 1, further comprising:

receiving, from the banking system, a notification indicating whether the banking system accepted the loan application; and

transferring the notification to the device of the user.

4. The method of claim 1, further comprising:

adding information associated with the user into the joint guarantee group as a group member; and

determining by the server whether the user satisfies a predetermined requirement for being a member of the joint guarantee based on the added information associated with the user, wherein creating the joint guarantee group comprises creating the joint guarantee group after the user satisfies the predetermined requirement.

5. The method of claim 1, wherein the joint guarantee grouping type comprises at least one of an automatic matching-up grouping, a fraternity based grouping, or an online initiation/participation grouping.

6. The method of claim 1, wherein the joint guarantee group type comprises an automatic matching-up grouping that is implemented by:

determining another user that is interested in the loan application;

disclosing user information between the user and the other user; and

recommending formation of the joint guarantee group including the user and the other users.

7. The method of claim 1, wherein the joint guarantee group type comprises a fraternity based grouping that is implemented by:

receiving, from a plurality of users, one or more agreements indicating that the plurality of users agree to form one joint guarantee group; and

adding another user of the plurality of users to the one joint guarantee group, wherein the creating the one joint guarantee group comprising creating the one joint guarantee group in response to a request of one user of the plurality of users.

8. The method of claim 1, wherein the joint guarantee group type comprises an online initiation/participation grouping that is implemented by:

publishing a request of the user to form a certain joint guarantee group, the requesting indicating qualifications of the user and a grouping criterion; and

creating the certain joint guarantee group based on the user and one or more qualified users.

9. One or more computer-readable storage devices storing computer-executable instructions that, when executed, perform acts comprising:

receiving, from a user, a loan application;

providing, by a server, various user selectable types of joint guarantee grouping for the loan application;

determining whether the user satisfies a grouping requirement based on;

a business record associated with the user, and

activities of the user in joint guarantee grouping;

creating a joint guarantee group designated to the loan application based on a type of the various user selectable types if the user satisfies the grouping requirement;

assigning a unique ID to the joint guarantee group; and

transmitting the unique ID and information of group members of the joint guarantee group to a banking system.

10. The one or more computer-readable storage devices as recited in claim 9, wherein the various user selectable types of joint guarantee grouping comprises at least one of an automatic matching-up grouping, a fraternity based grouping, or an online initiation/participation grouping.

11. One or more computer-readable storage devices storing computer-executable instructions that, when executed, perform acts comprising:

receiving, from a device of a first user, a loan application including information of the user and a loan specification;

determining, based on the information of the user, whether the user satisfies a predetermined requirement specified for loan applications;

in the event that the user does not satisfy the predetermined requirement;

recording the loan application; and

in the event that the user satisfies the predetermined requirement;

creating a joint guarantee group designated to the loan application,

determining, by a computing device, a second user as a candidate member of the joint guarantee group based on the information of the user and the loan specification,

facilitating the second user to join the joint guarantee group,

associating information of the user and the second user with the joint guarantee group to generate joint guarantee group data, and

transmitting the joint guarantee group data to a banking system.

12. The one or more computer-readable storage devices as recited in claim 11, wherein the determining the second user comprises determining the second user based on a predetermined criterion specified by the user in the loan application, and wherein the facilitating the second user to join the joint guarantee group comprises:

enabling information sharing between the user and the second user, and

receiving, from the second user, a request to join the joint guarantee group.

13. The one or more computer-readable storage devices as recited in claim 11, wherein the determining the second user comprises determining the second user based on historical activities of the second user, the historical activities being associated with joint guarantee grouping.

14. The one or more computer-readable storage devices as recited in claim 11, wherein the determining the second user comprises determining the second user based on:

a region that the first user is located;

a type of transactions that the user is involved, and

funds requested in the loan application.

15. The one or more computer-readable storage devices as recited in claim 11, wherein the acts further comprise:

publishing the loan application;

receiving, from a certain user, a request to join the joint guarantee group; and

transmitting information associated with the certain user to the device of the user.

16. The one or more computer-readable storage devices as recited in claim 11, wherein the predetermined requirement specifies at least one of:

a number of loan complaints against the user;

or

a time period that the user has established for a business.

17. The one or more computer-readable storage devices as recited in claim 11, wherein the joint guarantee group is comprised of a group of members that includes at least the first user and the second user, and wherein the acts further comprise:

enabling the user to search for a particular user based on a predetermined condition;

generating an invitation to invite the particular user to join the joint guarantee group; and

adding the particular user to the joint guarantee group after each member of the group members of the joint guarantee group agree with the adding.

18. The one or more computer-readable storage devices as recited in claim 11, wherein the acts further comprise:

receiving, from a group member of the joint guarantee group, a withdrawal from the joint guarantee group; and

removing the group member from the joint guarantee group before receiving an indication that the banking system approve the loan application.

19. The one or more computer-readable storage devices as recited in claim 18, wherein the acts further comprise recommending a certain user for the joint guarantee group based on user information associated with the removed group member.