TWM613489U - Online loan real-time identity verification system - Google Patents

Abstract

An online loan real-time guarantee system. The electronic device allows the bank server to identify the electronic device through the Taiwan mobile identity recognition mechanism. When the bank server verifies the loan amount based on the loan application information, it contacts the loan application company through video to record the information. KYC information, based on the KYC information and the note information of the enterprise financial credit management system, generates the insurance information to provide to the electronic device. When the insurance hyperlink in the insurance information is triggered, the electronic device obtains the insurance page from the bank server And the one-time password, the electronic device provides the one-time password, the video with the person in charge, and the video with the guarantor to the bank server to record the video with the person in charge as the person in charge video and the video with the guarantor as the guarantor Video, when the one-time password verification is successful, the guarantee information, the video of the person in charge, and the video of the guarantor are correspondingly stored to complete the guarantee, so as to achieve the technical effect of providing online loan application real-time guarantee.

Description

Online loan real-time guarantee system

A data confirmation and loan guarantee system, especially a system for real-time confirmation of loan application data based on KYC to provide electronic device guarantee information and guarantee page for real-time loan guarantee online loan application data real-time confirmation and guarantee system .

In response to the trend of financial digitization and the implementation of inclusive finance, providing companies with online loan application will be the current development direction. In online loan application, confirming the correctness of the loan application information is a very important part of the process. In addition, For the online loan application process, the loan guarantee still needs to be done at the counter, which will undoubtedly cause the lack of convenience of online loan application, so how to solve the problem of confirming the correctness of the application loan information and how to carry out the online loan guarantee The focus of creation.

To sum up, it can be seen that in the prior art, there have been problems of cumbersome online loan application data verification and lack of online instant loan guarantee for a long time. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the cumbersome verification of online loan application data and the lack of online real-time loan guarantee in the prior art, this creation reveals an online loan real-time guarantee system, in which:

The online loan real-time guarantee system disclosed in this creation includes: a bank server and an electronic device. The bank server further includes: a server receiving module, a loan verification module, a voice recording module, an information generating module, and a page Generation module, recording module, data storage module and server transmission module.

The server receiving module of the bank server is used to receive connection requests and one-time password (OTP); the bank server's loan approval module is used to verify the loan amount based on the loan application information ; The voice record module of the bank server is used to contact the loan application company via video based on the contact information in the loan application information and confirm the loan application information, loan amount, loan interest rate, loan period, and grant date to record as KYC information; the information generation module of the bank server is used to cooperate with the internal precautions information of the enterprise financial credit management system based on the KYC information and to import external precautions information through the enterprise financial credit management system to generate guarantee information. The information contains a security hyperlink; the page generation module of the bank server generates a security page and a one-time password based on the security information when the server receiving module receives a link request; the video module is used to The video with the person in charge is recorded as the person in charge video, and the video with the guarantor is recorded as the guarantor video; the data storage module of the bank server is when the one-time password received by the server receiving module is successfully verified. Store the guarantee information, the video of the person in charge, and the guarantor video to complete the guarantee; and the server transmission module of the bank server is used to send the guarantee information by push according to the contact information in the loan application information, and send the guarantee page and The one-time password.

The electronic device uses the Taiwan Mobile Identity (FIDO) mechanism to allow the bank server to identify the electronic device. The electronic device receives and displays the security information from the server transmission module in a push broadcast mode. When the security information is hyperlinked to the security information When triggered, the electronic device sends a connection request to the server receiving module, and the electronic device receives the feedback from the server sending module to display the guarantee page, and at the same time obtains the one-time password from the bank server, and provides it in the guarantee page The one-time password is sent to the server receiving module, and the video with the person in charge and the video with the guarantor are provided to the recording module on the guarantee page.

The system disclosed in this creation is as above. The difference between the system and the previous technology is that the electronic device allows the bank server to identify the electronic device through the Taiwan mobile identification mechanism. When the bank server verifies the loan amount based on the loan application information, it uses video Contact the loan application company and confirm the loan application information, loan amount, loan interest rate, loan period, and grant date to record as KYC information, based on KYC information, and then cooperate with the internal precaution information of the enterprise financial credit management system and through enterprise funds The credit management system imports external notice information to generate guarantee information to provide to the electronic device. When the guarantee hyperlink in the guarantee information displayed on the electronic device is triggered, the electronic device obtains the guarantee page and one-time password from the bank server , The electronic device provides the one-time password, the video with the person in charge, and the video with the guarantor in the guarantee page to the bank server. The bank server records the video with the person in charge as the person in charge video and the video with the guarantor. Record as a guarantor video. When the bank server successfully verifies the one-time password, it will correspondingly store the guarantor information, the person-in-charge video, and the guarantor video to complete the guarantee.

Through the above technical means, this creation can achieve the technical effect of providing real-time guarantee for online loan applications.

The following will describe the implementation of this creation in detail with the drawings and embodiments, so as to fully understand and implement the implementation process of how this creation uses technical means to solve technical problems and achieve technical effects.

The following first explains the online loan real-time guarantee system disclosed by this creation, and please refer to "Figure 1A". "Figure 1A" shows the system block of the real-time confirmation and guarantee system for online loan application data of this creation. Figure.

The online loan real-time guarantee system disclosed in this creation includes: a bank server 20 and an electronic device 30. The bank server 20 further includes: a server receiving module 21, a loan verification module 22, a voice recording module 23, The information generation module 24, the page generation module 25, the recording module 26, the data storage module 27, and the server transmission module 28.

The bank server 20 and the electronic device 30 are different presentation forms of computing equipment. The enterprise server 10 tends to focus on the computing performance of computing equipment, data analysis, data security protection, and mass storage of data. The electronic device 30 tends to focus on the performance of computing equipment, data analysis, data security protection, and mass storage of data. The portability of computing devices is just an example here, and it does not limit the application scope of this creation.

Please refer to "Figure 1B". "Figure 1B" shows a schematic diagram of the components of the system proposed for this creation.

The computing device mentioned in this creation includes, but is not limited to, one or more processors 601, one or more memory modules 602, and hardware components such as a bus 603, where the bus 603 can be connected to different hardware components . Through the included multiple hardware components, the computing device can load and execute the operating system, make the operating system run on the computing device, and can also execute software or programs. The computing device also includes a housing 609, and the above-mentioned hardware components are arranged in the housing.

The bus 603 of the computing device mentioned in this creation may include one or more types, such as data bus, address bus, control bus, and extended function bus. (Expansion bus), and/or local bus (local bus) and other types of bus. The bus of computing equipment includes, but is not limited to, parallel industry standard architecture (ISA) bus, peripheral component interconnect (PCI) bus, Video Electronics Standards Association (VESA) local bus, and serial universal serial bus (USB), PCI-E bus, etc.

The processor 601 of the computing device mentioned in this creation is coupled to the bus 603. The processor 601 includes a register group or register space. The register group or register space can be completely set on the processing chip, or all or part of it can be set outside the processing chip and passed through dedicated electrical Connected and/or coupled to the processor via the bus. The processor 601 may be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are all the same or similar, and they are coupled and communicated through a bus. The processor 601 can interpret a series of multiple instructions to perform specific operations or operations, such as mathematical operations, logical operations, data comparison, copy/move data, etc., so as to run the operating system or execute various programs, modules, and/ Or components.

The processor 601 of the computing device can be coupled to the chipset or electrically connected to the chipset through the bus 603. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and peripheral input/output (I/O) controllers, that is to say, the memory controller and peripheral input/output controllers can be included in In an integrated circuit, two or more integrated circuits can also be used. Chipsets usually provide I/O and memory management functions, as well as multiple general-purpose and/or special-purpose registers, timers, etc., among which the aforementioned general-purpose and/or special-purpose registers and timers can be coupled or One or more processors electrically connected to the chipset are accessed or used.

The processor 601 of the computing device can also access the data in the memory module 602 and the mass storage area installed on the computing device through the memory controller. The aforementioned memory module 602 includes any type of volatile memory (volatile memory) and/or non-volatile (non-volatile memory, NVRAM) memory, such as static random access memory (SRAM) and dynamic random access memory (SRAM). Take memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The above-mentioned large-capacity storage area can include any type of storage device or storage medium, such as hard disk drives, optical discs, flash drives (flash memory), memory cards, and solid state disks (Solid State Disk, SSD), or any other storage device, etc. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard disk drives, and solid state drives.

The processor 601 of the computing device can also connect and communicate with peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers and other peripheral devices or interfaces through the peripheral I/O controller via the bus 603. The peripheral input device can be any type of input device, such as a keyboard, mouse, trackball, touchpad, joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc., a peripheral input device It can also be the same device as the peripheral output device, such as a touch screen. The communication interface can include a wireless communication interface and/or a wired communication interface. The wireless communication interface can include a mobile communication network that supports Wi-Fi, Zigbee and other wireless local area networks, Bluetooth, infrared, near field communication (NFC), 3G/4G/5G, etc. The wired communication interface can be an Ethernet device, Asynchronous Transfer Mode (ATM) device, DSL modem, cable modem, etc. The processor 601 can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device with the above-described components .

The modules mentioned in the bank server 20 and the electronic device 30 are usually generated after the processor 601 in the respective computing device executes a specific program loaded into the memory module 602, or are included in the processor 601.

Please refer to "Figure 1A" again. The enterprise server (not shown in the figure) and the bank server 20 establish a connection through wired transmission or wireless transmission. The aforementioned wired transmission method is, for example, a cable network. , Optical fiber network... etc. The aforementioned wireless transmission methods are for example: Wi-Fi, mobile communication network (for example: 3G, 4G, 5G... etc.)... etc. This is just an example for illustration and is not limited to this The scope of application of this creation.

The electronic device 30 establishes a connection with the bank server 20 through wired transmission or wireless transmission, and the electronic device 30 allows the bank server 20 to identify the electronic device 20 through the Taiwan Mobile Identity (FIDO) mechanism. The aforementioned wired transmission For example: cable network, optical fiber network... etc. The aforementioned wireless transmission method is for example: Wi-Fi, mobile communication network (for example: 3G, 4G, 5G... etc.)... etc. This is just an example for illustration It does not limit the application scope of this creation.

When the enterprise server connects to the bank server 20 for online loan application, the enterprise server first enters communication information on the user page provided by the bank server 20. The aforementioned communication information is, for example, email address, mobile phone number... This is just an example for illustration, and does not limit the application scope of this creation. The bank server 20 will then use the corresponding transmission method according to the communication information (ie e-mail transmission method, short message transmission method... etc., here It’s just an example, and does not limit the application scope of this creation.) Provide verification codes to corresponding electronic devices. The aforementioned electronic devices are, for example, general computers, laptops, tablets, smart phones, etc., in This is just an example, not to limit the application scope of this creation.

The corporate server can use the verification code to log in and verify the bank server 20. Then, the corporate server can enter the loan application information through the user page provided by the bank server 20. The aforementioned loan application information includes: Name, enterprise uniform number, loan amount applied for, loan period, information on corporate change registration items (provided in the form of additional files), sales and tax returns of business persons (provided in the form of additional files), and income tax declaration information (in the form of additional files) Provided)..., etc., this is only an example, and does not limit the application scope of this creation. When the enterprise server chooses to transfer the credit guarantee fund, the bank server 20 can use the enterprise name, Enterprise uniform number... etc. are forwarded to the credit guarantee fund.

The enterprise server receives the loan application information and sends the loan application information to the bank server 20. The bank server 20 receives the loan application information from the enterprise server. When the bank server 20 receives the loan application information, it can further transmit it via email The method, SMS transmission method, etc., are just examples for illustration, not to limit the application scope of this creation to notify the corresponding electronic device so that the enterprise applying for the loan can know the bank's confirmation of the loan application information.

Then, the loan verification module 22 of the bank server 20 can verify the loan amount based on the loan application information. When the loan verification module 22 of the bank server 20 verifies the loan amount based on the loan application information, the bank staff then The voice recording module 23 of the bank server 20 contacts the loan application company through video based on the contact information in the loan application information and confirms the loan application information, loan amount, loan interest rate, loan period and grant date to know your customers ( Know Your Customer (KYC) operation is to record as KYC information. Then, the information generation module 24 of the bank server 20 will then cooperate with the internal precaution information of the enterprise financial credit management system based on the KYC information and through the enterprise financial credit management system Import external notice information to generate guarantee information, which contains a hyperlink to the guarantee.

When the voice recording module 23 of the bank server 20 generates the guarantee information, the server transmission module 28 of the bank server 20 can transmit the guarantee information to the electronic device 30 in a push broadcast mode according to the contact information in the loan application information. The aforementioned electronic device 30 can be a general computer, a notebook computer, a tablet computer, a smart phone, etc., which are only examples for illustration, and the application scope of this creation is not limited by this.

The electronic device 30 receives the insurance information from the server transmission module 28 of the bank server 20 in a push broadcast manner. The electronic device 30 can display the insurance information 41 after receiving the insurance information. Please refer to the illustration of the insurance information 41 As shown in "Figure 2A", "Figure 2A" is a schematic diagram of the guarantee information for the creation of online loan real-time guarantee. When the guarantee hyperlink 411 in the guarantee information 41 is triggered, the electronic device 30 will send it Link request to the bank server 20.

The server receiving module 21 of the bank server 20 can receive the connection request from the electronic device 30. When the server receiving module 21 of the bank server 20 receives the connection request from the electronic device 30, the page generation module of the bank server 20 Group 25 will generate a security page and a one-time password based on the security information.

When the page generation module 25 of the bank server 20 generates a security page and generates a one-time password based on the security information, the server transmission module 28 of the bank server 20 transmits the security page and the one-time password to the electronic device 30 , The electronic device 30 can receive the guarantee page and the one-time password from the server transmission module 28 of the bank server 20, and the electronic device 30 can display the guarantee page 51. For the guarantee page 51, please refer to "Figure 2B "As shown in "Picture 2B" is a schematic diagram of the guarantee page for the instant guarantee of this creative online loan.

The electronic device 30 provides the one-time password to the server receiving module 21 of the bank server 20 in the guarantee page 51, and provides the video with the person in charge and the video with the guarantor to the bank server 20 in the guarantee page 51 The video module 26.

When the video module 26 of the bank server 20 receives the video with the person in charge and the video with the guarantor from the electronic device 30, the video module 26 of the bank server 20 can record the video with the person in charge as a video of the person in charge , And recording videos with a guarantor as a guarantor video.

Then, the data storage module 27 of the bank server 20 will correspondingly store the guarantee information, the person in charge video, and the guarantor video when the one-time password verification received by the server receiving module 21 of the bank server 20 is successful. Warranty.

Then, the following will explain the operation of this creation, and please refer to "Figure 3A" and "Figure 3B" at the same time. "Figure 3A" and "Figure 3B" show the creation of online loan application data in real time Flow chart of confirmation and guarantee method.

First, the electronic device uses the Taiwan Mobile Identity (FIDO) mechanism to allow the bank server to identify the electronic device (step 101); then, the bank server verifies the loan amount based on the loan application information (step 102); then, the bank server Based on the contact information in the loan application information, the server contacts the loan application company via video and confirms the loan application information, loan amount, loan interest rate, loan period, and grant date as KYC information (step 103); then, the bank server uses the record as KYC information (step 103). The KYC information then cooperates with the internal notice information of the enterprise financial credit management system and import external notice information through the enterprise financial credit management system to generate guarantee information, which includes a guarantee hyperlink (step 104); then, the bank According to the contact information in the loan application information, the server sends the guarantee information to the corresponding electronic device by push broadcast (step 105); then, the electronic device displays the guarantee information (step 106); When the link is triggered, the electronic device sends a link request to the bank server (step 107); then, when the bank server receives the link request, the bank server generates a security page based on the security information and generates a one-time password (step 108) ); Next, the bank server sends the guarantee page to the electronic device (step 109); then, the electronic device displays the guarantee page, and at the same time obtains the one-time password from the bank server (step 110); then, the electronic device displays the guarantee page Provide a one-time password, a video with a person in charge, and a video with a guarantor to the bank server (step 111); then, the bank server records the video with the person in charge as a video for the person in charge, and performs a video on the video with the guarantor. Record as a guarantor video (step 112); finally, when the bank server successfully verifies the one-time password, it will correspondingly store the guarantee information, the person-in-charge video, and the guarantor video to complete the guarantee (step 113).

In summary, it can be seen that the difference between this creation and the previous technology is that the electronic device allows the bank server to identify the electronic device through the Taiwan mobile identification mechanism. When the bank server verifies the loan amount based on the loan application information, it uses video Contact the loan application company and confirm the loan application information, loan amount, loan interest rate, loan period, and grant date to record as KYC information, based on KYC information, and then cooperate with the internal precaution information of the enterprise financial credit management system and through enterprise funds The credit management system imports external notice information to generate guarantee information to provide to the electronic device. When the guarantee hyperlink in the guarantee information displayed on the electronic device is triggered, the electronic device obtains the guarantee page and one-time password from the bank server , The electronic device provides the one-time password, the video with the person in charge, and the video with the guarantor in the guarantee page to the bank server. The bank server records the video with the person in charge as the person in charge video and the video with the guarantor. Record as a guarantor video. When the bank server successfully verifies the one-time password, it will correspondingly store the guarantor information, the person-in-charge video, and the guarantor video to complete the guarantee.

This technical method can solve the problems of cumbersome verification of online loan application data and lack of online loan guarantee in the prior art, thereby achieving the technical effect of providing online loan application real-time guarantee.

Although the implementation methods disclosed in this creation are as above, the content described is not used to directly limit the scope of patent protection of this creation. Any person with ordinary knowledge in the technical field to which this creation belongs can make some changes in the form and details of the implementation without departing from the spirit and scope of this creation. The scope of patent protection for this creation shall still be subject to the scope of the attached patent application.

20: Bank server 21: Server receiving module 22: Nuclear loan module 23: Voice record module 24: Information generation module 25: page generation module 26: Video module 27: Data storage module 28: Server transmission module 30: Electronic device 41: Warranty Information 411: Hyperlink 51: Warranty page 601: processor 602: Memory Module 603: Bus 609: shell Step 101: The electronic device allows the bank server to identify the electronic device through the Taiwan mobile identification mechanism Step 102: The bank server verifies the loan amount based on the loan application information Step 103: The bank server contacts the loan application company via video based on the contact information in the loan application information and confirms the loan application information, loan amount, loan interest rate, loan period, and grant date to record as KYC information Step 104: According to the KYC information, the bank server cooperates with the internal notice information of the enterprise financial credit management system and imports external notice information through the enterprise financial credit management system to generate guarantee information. The guarantee information contains a hyperlink to the insurance Step 105: The bank server sends the guarantee information to the corresponding electronic device by push broadcast according to the contact information in the loan application information Step 106: The electronic device displays the warranty information Step 107: When the insurance hyperlink in the insurance information is triggered, the electronic device sends a connection request to the bank server Step 108: When the bank server receives the link request, the bank server generates a guarantee page based on the guarantee information and generates a one-time password Step 109: The bank server sends the guarantee page to the electronic device Step 110: The electronic device displays the guarantee page, and at the same time obtains the one-time password from the bank server Step 111: The electronic device provides the one-time password, the video with the person in charge, and the video with the guarantor on the guarantee page to the bank server Step 112: The bank server records the video with the person in charge as the person in charge video, and records the video with the guarantor as the guarantor video Step 113: When the one-time password is successfully verified by the bank server, the guarantee information, the person in charge video, and the guarantor video are correspondingly stored to complete the guarantee

Figure 1A shows the system block diagram of the instant confirmation and guarantee system for the creation of online loan application data. Figure 1B shows a schematic diagram of the components of the system proposed in this creation. Figure 2A shows a schematic diagram of the guarantee information for the instant guarantee of this creative online loan. Figure 2B shows a schematic diagram of the guarantee page for the instant guarantee of this creative online loan. Figures 3A to 3B show the flow chart of the method for instant confirmation and guarantee of the creation of online loan application materials.

20: Bank server

21: Server receiving module

22: Nuclear loan module

23: Voice record module

24: Information generation module

25: page generation module

26: Video module

27: Data storage module

28: Server transmission module

30: Electronic device

Claims (4)

An online loan real-time guarantee system, comprising: a bank server, the bank server further comprising: a server receiving module for receiving a connection request and receiving a one-time password (one-time password) , OTP); a loan verification module, used to verify a loan amount based on a loan application information; a voice recording module, used to contact the loan application company via video based on the contact information in the loan application information and confirm The loan application information, the approved loan amount, an approved loan interest rate, a loan period, and a grant date are recorded as KYC information; an information generation module is used to cooperate with an enterprise fund credit grant based on the KYC information The internal notice information of the management system and the external notice information imported through the enterprise financial credit management system to generate a pair of insurance information, the insurance information includes a pair of insurance hyperlinks; a page generation module, when the When the server receiving module receives the connection request, it generates a pair of security pages according to the security information and generates the one-time password; a video recording module is used to record videos with a responsible person as a responsible person Personal video, and recording of a video with a guarantor as a guarantor video; A data storage module, when the one-time password received by the server receiving module is successfully verified, correspondingly store the guarantee information, the person in charge video, and the guarantor video to complete the guarantee; and A server transmission module for transmitting the guarantee information by push broadcast according to the contact information in the loan application information, transmitting the guarantee page and the one-time password; and an electronic device through Taiwan mobile identity The identification (FIDO) mechanism allows the bank server to identify the electronic device. The electronic device receives and displays the counter-information from the server transmission module in a push broadcast manner. When the counter-insurance information is When the security hyperlink in the information is triggered, the electronic device transmits the link request to the server receiving module, and the electronic device receives the feedback from the server transmission module. The page is displayed, and at the same time a one-time password is obtained from the bank server, the one-time password is provided to the server receiving module in the guarantee page, and the guarantee page is provided with The video of the person in charge and the video with the guarantor to the recording module. The online loan real-time guarantee system according to claim 1, wherein the enterprise server provides a communication information to the bank server, and the bank server provides a verification code to the bank server in a corresponding transmission method according to the communication information For the corresponding electronic device, the enterprise server uses the verification code to log in and verify the bank server. The online loan real-time guarantee system described in claim 1, wherein the loan application information includes the name of the company, the unified company number, the loan amount applied for, the loan period, the information on the registration of changes to the company, the sales and tax return of the business person, and Declare income tax information. The online loan real-time guarantee system described in claim 3, wherein the bank server is based on the loan application information, the enterprise change registration information, the sales and tax declaration form of the business person, and the declaration The income tax information is used to conduct KYC operations with the applicant enterprise by telephone.

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