TWM671021U - Enterprise loan application document submission and review support system - Google Patents

Abstract

A system for assisting the submission of enterprise loan application documents is applicable to communicating with a business end electronic device and a plurality of supervisor end electronic devices, and comprises a processing unit and a storage unit. The storage unit stores a plurality of loan application data related to a loan application case. The processing unit is used to: receive a review request corresponding to the loan application case; transmit a review data checklist to the business end electronic device according to the review request, wherein the review data checklist includes multiple review items corresponding to the loan application data; for each review item, determine a review level corresponding to the review item according to the corresponding loan application data and a review level rule; select one of the review levels as a highest review level, and transmit the review data checklist to a target supervisor end electronic device corresponding to the highest review level.

Description

Enterprise loan application document submission and review support system

This new model is related to a document submission and review assistance system, in particular, a corporate loan application document submission and review assistance system applicable to loan applications.

When applying for corporate loans and reaching the supervisor approval stage, bank staff need to compile and confirm the relevant loan case submission materials (application, internal and external inquiry information documents, factory visit reports, etc.), and then send the submission materials to the appropriate supervisor. Only after the supervisor approves the corporate loan can the loan be approved. However, manual compilation of submission materials is prone to human errors (such as omissions), and the submission process is time-consuming and laborious.

In order to improve the existing technology, one of the purposes of this new technology is to provide a corporate loan application document submission and review assistance system suitable for loan applications.

Therefore, the new type of enterprise loan application document submission auxiliary system is suitable for communicating with a business end electronic device and multiple supervisor end electronic devices, and includes a processing unit and a storage unit electrically connected to the processing unit, and the storage unit stores multiple loan application data related to a loan application case. The processing unit is used to: receive a request for review and examination corresponding to the loan application case from the business end electronic device; transmit a review data checklist to the business end electronic device according to the review and examination request, wherein the review data checklist includes a plurality of review items corresponding to the loan application data; for each review item, determine a pair of The approval level of the items to be submitted for review, the approval level corresponds to one of the electronic devices at the management end; according to a review confirmation instruction sent by the business end electronic device, one of the approval levels is selected as a highest approval level, and the review data checklist is sent to a target electronic device at the management end corresponding to the highest approval level, wherein the target electronic device at the management end corresponds to one of the electronic devices at the management end.

In some implementations, each submission item includes multiple submission item fields, and each submission item field that has not been filled in is regarded as a missing item field; the processing unit is also used to: according to each missing item field, transmit a missing data table including multiple missing item data to the business end electronic device, wherein the missing item data respectively correspond to the missing item fields.

In some implementations, each missing item data includes a hyperlink click area, and when the hyperlink click area is clicked, the business end electronic device will display a page of data to be filled in related to the missing item data.

In some implementations, the loan application data may be divided into multiple customer application documents, multiple credit insurance data, multiple internal forms, and multiple system query data.

The function of the new model is that the enterprise loan application document submission and review auxiliary system generates the submission and review data checklist through the processing unit to assist the business personnel to check whether the loan application data is missing. Furthermore, the processing unit selects the highest approval level from the approval levels and transmits the submission and review data checklist to the target supervisor end electronic device corresponding to the highest approval level, so that the loan application data can be quickly submitted to the corresponding supervisor for review, and the supervisor release process is more efficient.

100: Enterprise loan application document submission and review assistance system

1: Processing unit

2: Storage unit

200: Business-end electronic devices

300: Main terminal electronic device

D: Loan application information

Other features and functions of the present invention will be clearly presented in the implementation method with reference to the drawings, among which:

Figure 1 is a block diagram, which exemplarily shows an embodiment of the new type of enterprise loan application document submission and review assistance system.

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" between multiple computer hardware that are physically connected to each other through conductors/semiconductor materials, and "radio connections" that use wireless communication technology (such as but not limited to wireless networks, Bluetooth, and electromagnetic induction, etc.) to achieve wireless data transmission. 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" described in this patent specification represents computer hardware rather than software. For example, a "processing unit" is used to represent computer hardware with data processing capabilities. On the other hand, the "unit" described in this patent specification can refer to a single computer hardware with a specific function, or a group of computer hardware with similar functions. For example, a "processing unit" can refer to a single processor with data processing capabilities, but it can also refer to a collection of processors.

Referring to FIG. 1 , an embodiment of the novel enterprise loan application document submission and review auxiliary system 100 is managed by a service institution (e.g., a bank institution) and is suitable for communicating with a business-end electronic device 200 and a plurality of supervisor-end electronic devices 300 to implement the enterprise loan application document submission and review service provided by the service institution via the Internet.

In the actual application of this embodiment, the enterprise loan application document submission and review auxiliary system 100 can be provided for multiple business-end electronic devices 200 to be electrically connected via a network. However, for the convenience of description, this embodiment only uses the business-end electronic device 200 in FIG. 1 for illustration.

The business-end electronic device 200 is, for example, a desktop computer or a laptop, and each of the supervisor-end electronic devices 300 is, for example, a desktop computer or a laptop. In the application environment of this embodiment, the business-end electronic device 200 is used for operation by a business person employed in the financial institution, and the supervisor-end electronic devices 300 are used for operation by multiple supervisors employed in the financial institution, and the supervisors can be divided into section chiefs, directors, etc., but are not limited thereto.

The enterprise loan application document submission and review assistance system 100 is, for example, a server, or a server set including multiple servers. In addition, the enterprise loan application document submission and review assistance system 100 includes a processing unit 1 and a storage unit 2 electrically connected to the processing unit 1.

The processing unit 1 may include (but not limited to) at least one of a single-core processor, a multi-core processor, a dual-core mobile phone processor, a microprocessor, a microcontroller, a digital signal processor (DSP), a field programmable logic gate array (FPGA), an application-specific integrated circuit (ASIC) and a radio frequency integrated circuit (RFIC). The processing unit 1 is suitable for being electrically connected to the business-end electronic device 200 and the host-end electronic devices 300 through a network, thereby communicating with the business-end electronic device 200 and the host-end electronic devices 300.

The storage unit 2 is a data storage device for storing digital data, and may be, for example, a hard disk. However, in other embodiments, the storage unit 2 may also be implemented as different types of computer-readable recording media, or a combination of multiple computer-readable recording media.

It should be noted that the implementation of the processing unit 1 and the storage unit 2 in this embodiment is only an exemplary embodiment and is not intended to limit the scope of implementation of the present invention.

In this embodiment, the storage unit 2 stores multiple loan application data D related to a loan application case. Among them, the loan application data D can be divided into multiple customer collection documents, multiple credit insurance data, multiple internal forms and multiple system query data. For example, the loan application data D is, for example, the identity card of a company's registered person in charge, a company's corporate passbook, a company's profit-making business income tax settlement declaration, a company's guarantee letter, a company's credit insurance transfer notice, a company's factory visit report and a company's loan purpose checklist. The customer collection documents are the identity card of a company's registered person in charge and the company's corporate passbook. The credit insurance data are a company's guarantee letter and a company's credit insurance transfer notice. The internal forms are a company's factory visit report and a company's loan usage checklist.

The following describes the operation of the new enterprise loan application document submission and review auxiliary system 100.

First, the processing unit 1 receives a request for review and examination corresponding to the loan application case from the business end electronic device 200.

After the processing unit 1 receives the review request corresponding to the loan application case, the processing unit 1 transmits a review data checklist to the business end electronic device 200 according to the review request, wherein the review data checklist includes a plurality of review items corresponding to the loan application data D. In this way, the present embodiment can generate the review data checklist for the business personnel of the loan application case to check whether the loan application data D is complete.

In this embodiment, the items for review may be, for example, "Case Overview", "Credit Condition Application Information", "Credit Insurance Information", "AML Anti-Money Laundering", "Review Items", etc., but are not limited thereto. Each item for review includes multiple item fields, and each item field that has not been filled in is regarded as a missing item field.

After the processing unit 1 transmits the review data checklist to the business-end electronic device 200, for each review item, the processing unit 1 determines a review level corresponding to the review item according to the corresponding loan application data D and a review level rule, and the review level corresponds to one of the management-end electronic devices 300.

It should be noted that the decision-making level rules can be implemented using existing technologies, which is not the focus of this patent specification and can be freely planned and adjusted according to actual needs, so the details are not described here.

After the processing unit 1 determines the approval levels, the processing unit 1 selects one of the approval levels as a highest approval level according to a review confirmation instruction sent by the business end electronic device 200, and sends the review data checklist to a target supervisor end electronic device 300 corresponding to the highest approval level, wherein the target supervisor end electronic device 300 corresponds to one of the supervisor end electronic devices 300.

For example, if the review items "Case Overview", "Credit Conditions Application Information", "Credit Insurance Information", "AML Anti-Money Laundering", and "Approval Items" respectively correspond to the approval levels of "Section Chief", "Director", "Section Chief", "Director", and "Section Chief", then the processing unit 1 determines that the highest approval level is "Director".

After the processing unit 1 transmits the review data checklist to the target supervisor-end electronic device 300 corresponding to the highest approval level, the processing unit 1 transmits a missing data list including a plurality of missing item data to the business-end electronic device 200 according to each missing item field, and the missing item data respectively correspond to the missing item fields. Each missing item data indicates the missing content of the missing item field. For example, assuming that the review item is "AML Anti-Money Laundering", the missing item field may be, for example, "AML-Review", and the missing item data may be, for example, "1. Basic information and commonality check have not been completed 2. Financial statements and credit reports have not been uploaded", but not limited to this.

In this embodiment, each missing item data includes a hyperlink click area. When the hyperlink click area is clicked, the business end electronic device 200 will display a data page to be filled in related to the missing item data. The hyperlink click area can be a webpage URL or a text link. In this way, the embodiment can display the corresponding missing content in response to each missing item field, so that the business personnel can correct and adjust.

The above is an example of the operation of the enterprise loan application document submission and review auxiliary system 100 of this embodiment.

In summary, the enterprise loan application document submission and review auxiliary system 100 generates the submission and review data checklist through the processing unit 1 to assist the business personnel to check whether the loan application data D is missing. Furthermore, the processing unit 1 selects the highest approval level from the approval levels and transmits the submission and review data checklist to the target supervisor end electronic device 300 corresponding to the highest approval level, so that the loan application data D can be quickly submitted to the corresponding supervisor for review, and the supervisor release process is more efficient, so the purpose of this new technology 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: Enterprise loan application document submission and review assistance system

1: Processing unit

2: Storage unit

200: Business-end electronic devices

300: Main terminal electronic device

D: Loan application information

Claims (4)

A system for assisting the submission of enterprise loan application documents is suitable for communicating with a business-end electronic device and multiple supervisor-end electronic devices, and comprises: A processing unit; and A storage unit, electrically connected to the processing unit, and storing multiple loan application data related to a loan application case; The processing unit is used to: Receive a submission review request corresponding to the loan application case from the business-end electronic device; Send a submission review data checklist to the business-end electronic device according to the submission review request, wherein the submission review data checklist includes multiple submission review items corresponding to the loan application data respectively; For each review item, a review level corresponding to the review item is determined according to the corresponding loan application data and a review level rule, and the review level corresponds to one of the electronic devices at the management end; According to a review confirmation instruction sent by the business end electronic device, one of the review levels is selected as a highest review level, and the review data checklist is sent to a target electronic device at the management end corresponding to the highest review level, wherein the target electronic device at the management end corresponds to one of the electronic devices at the management end. As described in claim 1, the enterprise loan application document submission auxiliary system, each submission item includes multiple submission item fields, and each submission item field that has not been filled in with content in the submission item fields is regarded as a missing item field; the processing unit is also used to: according to each missing item field, transmit a missing data table including multiple missing item data to the business end electronic device, and the missing item data respectively correspond to the missing item fields. The enterprise loan application document submission and review assistance system as described in claim 1, wherein each missing item of data includes a hyperlink click area, and when the hyperlink click area is clicked, the business end electronic device will display a data page to be filled in related to the missing item of data. A corporate loan application document submission and review assistance system as described in claim 1, wherein the loan application data can be divided into multiple customer submission documents, multiple credit insurance data, multiple internal forms and multiple system query data.

Images