TWM664039U - Labor Insurance Relief Loan Management System that Automates Joint Tax Inquiry - Google Patents
Labor Insurance Relief Loan Management System that Automates Joint Tax Inquiry Download PDFInfo
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Abstract
本新型揭露一種能夠自動進行聯徵查詢的勞保紓困貸款管理系統,包括有一銀行主機以及一遠端主機,其中該銀行主機用以接收一具有勞保投保身份之使用者提出的一紓困貸款申請;該遠端主機與該銀行主機資訊相連,且該遠端主機運作有一聯徵系統;該銀行主機接收到該紓困貸款申請後,對應生成一查詢資料,並將該查詢資料傳送至該遠端主機;該遠端主機收到該查詢資料後,即由該聯徵系統對應撈取一徵信資料;待該徵信資料撈取完成,該遠端主機再將該徵信資料回傳至該銀行主機。The invention discloses a labor insurance relief loan management system capable of automatically conducting a joint inquiry, comprising a bank host and a remote host, wherein the bank host is used to receive a relief loan application submitted by a user with a labor insurance identity; the remote host is connected to the bank host information, and the remote host operates a joint inquiry system; after the bank host receives the relief loan application, it generates a corresponding query data and transmits the query data to the remote host; after the remote host receives the query data, the joint investigation system correspondingly retrieves a credit investigation data; after the credit investigation data is retrieved, the remote host returns the credit investigation data to the bank host.
Description
本新型關於一種貸款管理系統,尤指一種能夠自動進行聯徵查詢的勞保紓困貸款管理系統。The invention relates to a loan management system, and more particularly to a labor insurance relief loan management system capable of automatically conducting a joint investigation.
目前在銀行業受理勞保紓困貸款的申請時,需要由行員手動連上財團法人金融聯合徵信中心的聯合徵信(下文簡稱「聯徵」)系統,先勾選信用查詢理由後,再送出申請人的相關資料,交由聯徵系統進行後續的徵信查詢作業,最後才能收到由聯徵系統回傳的徵信報告。Currently, when banks accept applications for labor insurance relief loans, bank employees are required to manually connect to the Joint Credit Information System of the Joint Credit Information Center of the China Financial News Agency (hereinafter referred to as "Joint Credit Information System"), first check the reason for the credit inquiry, and then submit the applicant's relevant information to the Joint Credit Information System for subsequent credit inquiry operations. Only then can they receive a credit report sent back by the Joint Credit Information System.
由於前述過程完全是手動操作,過程中充滿各種可能的犯錯空間,例如可能在勾選信用查詢理由時發生錯誤,以致造成人力上的浪費,而完全手動的操作需求,往往在無形中也造成更多的加班狀況,增加銀行支付加班費用的成本;除此之外,手動操作也需要較常的作業時間,對於營造銀行專業形象有不利的影響。Since the aforementioned process is entirely manual, there are many possibilities for mistakes. For example, errors may occur when selecting the reason for the credit inquiry, resulting in a waste of manpower. The completely manual operation requirements often invisibly cause more overtime, increasing the cost of the bank's overtime pay. In addition, manual operations also require more operating time, which has an adverse impact on creating a professional image of the bank.
因此,銀行各分行在受理勞保紓困貸款時,亟需要一種能夠避免前述各種缺點的全新徵信做法。Therefore, when accepting labor insurance relief loans, bank branches urgently need a new credit investigation method that can avoid the aforementioned shortcomings.
有鑑於此,本新型提供一種能夠自動進行聯徵查詢的勞保紓困貸款管理系統,其排除了聯徵程序中手動操作的必要,因此可以避免犯錯,還能替銀行各分行節省不必要的加班費用支出,聯徵回傳速度更快,因此也更能彰顯銀行的專業形象,有助於銀行各項業務之推廣。In view of this, the present invention provides a labor insurance relief loan management system that can automatically conduct joint inquiry, which eliminates the need for manual operation in the joint inquiry process, thereby avoiding mistakes and saving unnecessary overtime expenses for bank branches. The joint inquiry return speed is faster, thus it can better demonstrate the professional image of the bank and help promote various bank businesses.
根據一實施例,本新型揭露一種自動進行聯徵查詢的勞保紓困貸款管理系統,包含有一銀行主機以及一遠端主機。銀行主機用以接收具有勞保投保身份之使用者提出的紓困貸款申請。遠端主機係與該銀行主機電訊相連,並運作有聯徵系統。該銀行主機接收到該紓困貸款申請後,即自動對應生成查詢資料並自動將該查詢資料傳送至該遠端主機。該遠端主機收到該查詢資料後,即自動由該聯徵系統對應撈取該使用者的徵信資料。待該徵信資料撈取完成後,該遠端主機再自動將該徵信資料回傳至該銀行主機。According to one embodiment, the present invention discloses a labor insurance relief loan management system that automatically performs joint investigation, including a bank host and a remote host. The bank host is used to receive relief loan applications submitted by users with labor insurance insurance status. The remote host is connected to the bank host by telecommunications and operates a joint investigation system. After the bank host receives the relief loan application, it automatically generates corresponding inquiry data and automatically transmits the inquiry data to the remote host. After the remote host receives the inquiry data, the joint investigation system automatically retrieves the user's credit information. After the credit information is collected, the remote host will automatically send the credit information back to the bank host.
於一實施例中,該查詢資料包含有該使用者的一身份證明資料以及一個人財務資料。In one embodiment, the query data includes an identity certificate and personal financial information of the user.
於一實施例中,在該查詢資料所包含的該個人財務資料中,包含有該使用者的一個人收入資料、一個人資產資料,以及一個人債務資料。In one embodiment, the personal financial data included in the query data includes personal income data, personal asset data, and personal debt data of the user.
於一實施例中,該徵信資料包含有該使用者的一信用報告。In one embodiment, the credit information includes a credit report of the user.
於一實施例中,在該徵信資料所包含的該信用報告中,包含有一信用評分。In one embodiment, the credit report included in the credit information includes a credit score.
於一實施例中,該銀行主機係透過操作一瀏覽器而將該查詢資料傳送至該遠端主機。In one embodiment, the bank host transmits the query data to the remote host by operating a browser.
於一實施例中,該遠端主機上運作的該聯徵系統呈現於該瀏覽器。In one embodiment, the synopsis system running on the remote host is presented in the browser.
於一實施例中,該銀行主機在將該查詢資料傳送至該遠端主機時,已預先設定一信用查詢理由。In one embodiment, the bank host has pre-set a credit inquiry reason when transmitting the inquiry data to the remote host.
透過前述勞保紓困貸款管理系統的設計,銀行分行在受理勞保紓困貸款之申請時,能夠在聯徵作業上完全自動化進行,不再需要由行員人工對遠端主機的聯徵系統進行操作,因此可以避免過程中各種人為疏失的發生,例如可以完全排除信用查詢理由勾選錯誤的可能性。此外,還可以在行員上下班以外的非營業時間繼續運行服務勞保紓困貸款的申請者。這麼一來,本新型除了能夠防錯,還能因為自動化操作而節省時間,減少人員需要加班的情況,替銀行節省成本,同時還能快速得到聯徵結果,有利於銀行專業形象的營造。Through the design of the aforementioned labor insurance relief loan management system, when accepting applications for labor insurance relief loans, bank branches can fully automate the joint collection process, and no longer need bank employees to manually operate the joint collection system of the remote host. Therefore, various human errors in the process can be avoided, such as the possibility of incorrectly checking the reason for the credit inquiry. In addition, it can continue to operate and serve applicants for labor insurance relief loans during non-business hours other than when bank employees are at work. In this way, in addition to being able to prevent errors, this new type can also save time due to automated operations, reduce the need for staff to work overtime, save costs for the bank, and quickly obtain joint collection results, which is conducive to the creation of a professional image for the bank.
有關本新型之前述及其他技術內容、特點與功效,在以下配合參考圖式之實施例的詳細說明中,將可清楚的呈現。The above-mentioned and other technical contents, features and effects of the present invention will be clearly presented in the following detailed description of the embodiments with reference to the drawings.
為使本領域技術人員能更進一步瞭解本新型,以下特列舉本新型的優選實施例,並配合附圖詳細說明本新型的構成內容及所欲達成的功效。須注意的是,附圖均為簡化的示意圖,因此,僅顯示與本新型有關的元件與組合關係,以對本新型的基本架構或實施方法提供更清楚的描述,而實際的元件與佈局可能更為複雜。另外,為了方便說明,本新型的各附圖中所示的組件並非以實際實施的數目、形狀、尺寸做等比例繪製,其詳細的比例可依照設計的需求進行調整。In order to enable the technical personnel in this field to further understand the present invention, the preferred embodiments of the present invention are listed below, and the components and the effects to be achieved are described in detail with the accompanying drawings. It should be noted that the accompanying drawings are simplified schematic diagrams, and therefore, only the components and combination relationships related to the present invention are shown to provide a clearer description of the basic structure or implementation method of the present invention, while the actual components and layout may be more complicated. In addition, for the convenience of explanation, the components shown in the various drawings of the present invention are not drawn in proportion to the actual number, shape, and size, and the detailed proportions can be adjusted according to the design requirements.
請參閱圖1,為本新型提供之自動進行聯徵查詢的一勞保紓困貸款管理系統100其中一實施例的示意圖,其中,勞保紓困貸款管理系統100包含有一銀行主機10以及一遠端主機20。銀行主機10於實務上可以是設置於一銀行分行的電腦主機,或者是承辦人員能夠操作的各種裝置,其可能是伺服器、桌上型電腦、筆記型電腦、平板電腦,或甚至是手機,但不以此處示例為限;遠端主機20事實上便是財團法人金融聯合徵信中心所設置的服務裝置,其上運作有一聯徵系統22,供銀行從業人員存取使用,且遠端主機20的實際實作方式並不受限,只要是能夠容供聯徵系統22運作者,皆應視為落在本新型的範圍之內。Please refer to FIG. 1 , which is a schematic diagram of an embodiment of a labor insurance relief
銀行主機10與遠端主機20資訊相連,換言之,銀行主機10與遠端主機20之間能夠進行資訊及指令的往來傳遞。其中,銀行主機10係用以接受具有勞保投保身份之使用者提出的一紓困貸款申請A,而為了進行後續的聯徵作業,銀行主機10在接收到紓困貸款申請A之後,便會自動對應生成一查詢資料D1。實務上而言,查詢資料D1的內容通常包含有前述該使用者的一身份證明資料(圖未示,例如個人身份證、駕照等證件內容),以及一個人財務資料(圖未示),且該個人財務資料通常包含有該使用者的一個人收入資料、一個人資產資料,以及一個人債務資料,例如薪資單、銀行對帳單、投資帳戶資料等。The
為了方便存取遠端主機20上運作的聯徵系統22,銀行主機10可以包含有一瀏覽器12,且銀行主機10透過該瀏覽器12,將查詢資料D1傳送至遠端主機20。此處所述的瀏覽器12可能是一般的通用瀏覽器,例如Chrome、Edge、Firefox等等,也可能是銀行為了聯徵目的而特別實作的特殊瀏覽器。另一方面,遠端主機20其上所運作的聯徵系統22即呈現於瀏覽器12上,方便在銀行主機10處的銀行人員進行操作。In order to facilitate access to the
首先,在本新型提供的勞保紓困貸款管理系統100內,銀行主機10會在傳送查詢資料D1給遠端主機20時,預先勾選或設定好正確的一信用查詢理由,而不需透過人工指定。接著,當遠端主機20接收到銀行主機10傳送來的查詢資料D1後,便會由其上運作的聯徵系統22自動對應撈取出一徵信資料D2。First, in the labor insurance relief
實務上來說,徵信資料D2包含有前述該使用者的一信用報告,且該信用報告通常包含有一信用評分,以及過去的信用交易紀錄、貸款和信用卡帳戶的狀態等。待聯徵系統22完成撈取徵信資料D2後,遠端主機20便自動將徵信資料D2傳送回銀行主機10,例如呈現於銀行主機10的瀏覽器12上,或是另存為檔案、存入資料庫等等,方便日後使用或查考。In practice, the credit information D2 includes a credit report of the user, and the credit report usually includes a credit score, past credit transaction records, loan and credit card account status, etc. After the credit
綜上所述,透過本新型提供的自動進行聯徵查詢的之勞保紓困貸款管理系統100,銀行分行在處理勞保紓困貸款申請時,能夠實現聯徵作業的完全自動化。這意味著不再需要人工介入遠端主機20的聯徵系統22,因此能夠有效地消除人為疏失的風險,例如錯誤地勾選信用查詢原因。此外,還可以在行員上下班以外的非營業時間繼續運行服務勞保紓困貸款的申請者。這樣一來,勞保紓困貸款管理系統100不僅能夠防止錯誤發生,還能節省大量時間,減少人員加班的需要,從而為銀行節省成本。同時,勞保紓困貸款管理系統100的自動化操作還能夠快速獲得聯徵結果,有助於塑造銀行專業形象,提高銀行的服務效率。In summary, through the automatic
換言之,本新型提供的是一種自動進行聯徵查詢的勞保紓困貸款管理系統100,消除了聯徵過程中手動操作的必要性,因此不僅能夠避免錯誤,還能夠幫助銀行分行節省不必要的加班費用支出。由於聯徵回傳速度更快,更能進一步彰顯銀行的專業形象,有助於推廣銀行各項業務。而這樣能夠自動進行聯徵查詢的設計不僅提高了銀行處理勞保紓困貸款申請的效率,還為客戶提供了更快速、更準確的服務,從而提高了銀行在市場上的競爭力。In other words, the present invention provides a labor insurance relief
以上所述僅為本新型較佳可行實施例而已,舉凡應用本新型說明書及申請專利範圍所為之等效結構變化,理應包含在本新型之專利範圍內。The above description is only the preferred embodiment of the present invention. Any equivalent structural changes made by applying the description of the present invention and the scope of the patent application should be included in the patent scope of the present invention.
100:勞保紓困貸款管理系統 10:銀行主機 12:瀏覽器 20:遠端主機 22:聯徵系統 A:紓困貸款申請 D1:查詢資料 D2:徵信資料 100: Labor Insurance Relief Loan Management System 10: Bank Host 12: Browser 20: Remote Host 22: Joint Investigation System A: Relief Loan Application D1: Query Data D2: Credit Information
圖1為本新型一實施例之勞保紓困貸款管理系統的架構示意圖。FIG. 1 is a schematic diagram of the structure of a labor insurance relief loan management system according to an embodiment of the present invention.
100:勞保紓困貸款管理系統 100: Labor Insurance Relief Loan Management System
10:銀行主機 10: Bank host
12:瀏覽器 12: Browser
20:遠端主機 20: Remote host
22:聯徵系統 22: Joint diagnosis system
A:紓困貸款申請 A: Relief loan application
D1:查詢資料 D1: Query data
D2:徵信資料 D2: Credit information
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