TWM665147U - Post-loan credit conditions change automation system - Google Patents

Abstract

A post-loan credit condition change automation system is suitable for communicating with a client electronic device for operation by a user, and includes a storage unit and a processing unit electrically connected thereto. The storage unit stores a post-loan credit condition change application data of the user. The processing unit generates a personalized website dedicated to the user and transmits the personalized website to the client electronic device. After the client electronic device is connected to the post-loan credit condition change automation system via the personalized website, the processing unit transmits the post-loan credit condition change application data to the client electronic device. After the processing unit receives a post-loan credit condition change confirmation data sent back by the client electronic device, the processing unit executes a post-loan credit condition change procedure.

Description

Post-loan credit conditions change automation system

This novel invention relates to a banking system, in particular a banking system involving loan business.

The bank provides customers with loan processing services, and customers can apply to the bank to change credit conditions during the repayment period, such as adjusting interest rates. In the past, banks sent paper consent forms for credit condition changes to customers, who signed and then sent them back to the bank. The bank manually performed operations such as verification, system changes, document scanning, and paper archiving.

However, there is still much room for improvement in the above-mentioned operation methods, such as the time-consuming transmission of paper consent forms and high storage costs, unclear customer signatures, and easy omissions in manual changes of data. Therefore, how to develop a new system that can improve the shortcomings of the above-mentioned existing technologies is the subject of further discussion of this new model.

Therefore, the purpose of this new model is to provide an automated system for changing post-loan credit conditions.

Therefore, the new post-loan credit condition change automation system is suitable for communicating with a client electronic device for a user to operate, and includes a storage unit and a processing unit.

The storage unit stores the user's post-loan credit condition change application data. The processing unit is electrically connected to the storage unit.

The processing unit generates a personalized URL unique to the user and transmits the personalized URL to the client electronic device.

After the client electronic device is connected to the post-loan credit condition change automation system via the personalized website, the processing unit transmits the post-loan credit condition change application data to the client electronic device.

After the processing unit receives a post-loan credit condition change confirmation data sent back by the client electronic device, the processing unit executes a post-loan credit condition change procedure.

In some implementations, when the processing unit transmits the personalized URL to the client electronic device, the processing unit generates a URL validity date.

After the client electronic device is connected to the post-loan credit condition change automation system via the personalized URL, the processing unit determines whether the current date exceeds the URL validity date.

After the processing unit determines that the current date does not exceed the effective date of the URL, the processing unit transmits the post-loan credit condition change application data to the client electronic device.

In some implementations, after the client electronic device is connected to the post-loan credit condition change automation system via the personalized website, the processing unit executes a one-time password verification procedure to generate a one-time password verification result.

The processing unit determines whether the one-time password verification result indicates a pass or a fail.

After the processing unit determines that the one-time password verification result indicates that it has passed, the processing unit transmits the post-loan credit condition change application data to the client electronic device.

In some implementations, when generating the personalized URL exclusive to the user, the processing unit generates a path name of the personalized URL based on the user's identity card number and a serial number.

In some implementations, the processing unit also generates the path name of the personalized URL based on the URL validity date, a mobile phone number of the user, a loan code, or a birthday of the user.

The effect of the present invention is that: the processing unit generates the personalized URL dedicated to the user, so that the client electronic device can be connected to the post-loan credit condition change automation system and obtain the post-loan credit condition change application data, and after the processing unit receives the post-loan credit condition change confirmation data returned by the client electronic device, the processing unit executes the post-loan credit condition change procedure, thereby improving the efficiency of the processing and the accuracy of the data, and avoiding the situation where the user's signature is unclear, and at the same time, it can also reduce the paper storage cost. Moreover, through the URL validity date, the one-time password verification procedure and the personalized URL dedicated to the user, the security of the information can be effectively improved.

100: Post-loan credit conditions change automation system

1: Storage unit

2: Processing unit

200: Client electronic devices

S01~S07: Steps

Other features and functions of the present invention will be clearly presented in the implementation method with reference to the drawings, wherein: FIG1 is a schematic diagram of a hardware connection relationship of an implementation of the present invention's post-loan credit condition change automation system; and FIG2 is a flow chart of the implementation.

Before the present invention is described in detail, it should be noted that similar components are represented by the same numbers in the following description.

Before the present invention is described in detail, it should be noted that, unless otherwise specifically defined, the term "electrically connected" in this patent specification is used to describe the "coupled" relationship between computer hardware (e.g., electronic systems, equipment, devices, units, components), and generally refers to "wired electrical connections" achieved by physically connecting multiple computer hardware through conductors/semiconductor materials, and "radio connections" that achieve wireless data transmission using wireless communication technology (e.g., but not limited to wireless networks, Bluetooth, and electromagnetic induction, etc.). On the other hand, in the absence of a specific definition, the "electrical connection" described in this patent specification also generally refers to a "direct electrical connection" achieved by direct coupling between multiple computer hardware, and an "indirect electrical connection" achieved by indirect coupling between multiple computer hardware through other computer hardware.

Before the new invention is described in detail, it should be noted that the "unit" mentioned in this patent specification represents computer hardware rather than software. For example, "processing unit" is used to represent computer hardware with data processing capabilities.

Referring to FIG. 1 , an embodiment of the novel post-loan credit condition change automation system 100 is suitable for communicating with a client electronic device 200 for operation by a user, and includes a storage unit 1 and a processing unit 2. The processing unit 2 is electrically connected to the storage unit 1.

The client electronic device 200 is, for example, a smart phone, a tablet computer, a laptop computer or a desktop computer.

The post-loan credit condition change automation system 100 is implemented by one or more servers in cooperation with each other. The storage unit 1 stores the post-loan credit condition change application data of the user. The post-loan credit condition change application data is generated by, for example, bank service personnel inputting the post-loan credit condition change automation system 100 according to the needs of the user.

Referring to Figures 1 and 2, the following describes the steps performed by the post-loan credit condition change automation system 100. First, as shown in step S01, the processing unit 2 generates a personalized URL (URL) exclusively for the user, transmits the personalized URL to the client electronic device 200, and generates a URL validity date.

More specifically, when generating the personalized URL exclusively for the user, the processing unit 2 generates a path name for the personalized URL according to the user's ID number and a serial number, and shortens the path name to a predetermined length, such as https://ctbc.tw/7DoLcb. In this embodiment, the processing unit 2 also generates the path name of the personalized URL according to the URL validity date and the user's mobile phone number. In another embodiment, the processing unit 2 also generates the path name of the personalized URL according to a post-loan loan code and the user's birthday.

The URL validity date is, for example, the current date plus a predetermined number of days (e.g., 30 days).

Next, as shown in step S02, after the client electronic device 200 is connected to the post-loan credit condition change automation system 100 via the personalized website, the processing unit 2 determines whether the current date exceeds the website validity date. If so, the process ends, if not, step S03 is executed.

Step S03 is that the processing unit 2 executes a one-time password verification procedure (OTP) to generate a one-time password verification result.

Next, as shown in step S04, the processing unit 2 determines whether the one-time password verification result indicates a pass or a fail. If the result indicates a fail, the process ends. If the result indicates a pass, step S05 is executed.

Step S05 is that the processing unit 2 transmits the post-loan credit condition change application data to the client electronic device 200 for the user to confirm the content.

Then, as shown in step S06, after the processing unit 2 receives a post-loan credit condition change confirmation data sent back by the client electronic device 200, the processing unit 2 executes a post-loan credit condition change procedure.

Then, as shown in step S07, the processing unit 2 stores the post-loan credit condition change confirmation data to the storage unit to complete the archiving, and sends a change completion notification to the client electronic device 200 in the form of a text message.

In summary, the new post-loan credit condition change automation system 100 generates the personalized URL dedicated to the user through the processing unit 2, so that the client electronic device 200 can connect to the post-loan credit condition change automation system 100 and obtain the post-loan credit condition change application data, and the post-loan credit condition change confirmation sent back by the client electronic device 200 is received by the processing unit 2. After the data is received, the processing unit 2 executes the post-loan credit condition change procedure, thereby improving the efficiency and data accuracy of the processing, avoiding the situation where the user's signature is unclear, and reducing the paper storage cost. Furthermore, through the URL validity date, the one-time password verification procedure and the personalized URL dedicated to the user, the security of the information can be effectively improved, so the purpose of this new model can be achieved.

However, the above is only an example of the implementation of this new model, and it cannot be used to limit the scope of the implementation of this new model. All simple equivalent changes and modifications made according to the scope of the patent application of this new model and the content of the patent specification are still within the scope of this new patent.

100: Post-loan credit conditions change automation system

1: Storage unit

2: Processing unit

200: Client electronic devices

Claims (5)

A post-loan credit condition change automation system is suitable for communicating with a client electronic device operated by a user, and comprises: a storage unit for storing a post-loan credit condition change application data of the user; and a processing unit electrically connected to the storage unit; the processing unit generates a personalized website address exclusively for the user, and transmits the personalized website address to the client electronic device; After the client electronic device is connected to the post-loan credit condition change automation system via the personalized website, the processing unit transmits the post-loan credit condition change application data to the client electronic device; after the processing unit receives the post-loan credit condition change confirmation data returned by the client electronic device, the processing unit executes a post-loan credit condition change procedure. The post-loan credit condition change automation system as described in claim 1, wherein when the processing unit transmits the personalized URL to the client electronic device, the processing unit generates a URL validity date; after the client electronic device is connected to the post-loan credit condition change automation system via the personalized URL, the processing unit determines whether the current date exceeds the URL validity date; after the processing unit determines that the current date does not exceed the URL validity date, the processing unit transmits the post-loan credit condition change application data to the client electronic device. The post-loan credit condition change automation system as described in claim 1, wherein, After the client electronic device is connected to the post-loan credit condition change automation system via the personalized website, the processing unit executes a one-time password verification procedure to generate a one-time password verification result; the processing unit determines whether the one-time password verification result indicates a pass or a fail; after the processing unit determines that the one-time password verification result indicates a pass, the processing unit transmits the post-loan credit condition change application data to the client electronic device. The automated system for changing post-loan credit conditions as described in claim 2, wherein the processing unit generates a path name for the personalized URL based on the user's ID number and a serial number when generating the personalized URL exclusively for the user. As described in claim 4, the automated system for changing post-loan credit conditions, wherein the processing unit further generates the path name of the personalized URL based on the URL validity date, a mobile phone number of the user, a post-loan loan code or a birthday of the user.

Images