CN102236871A - Loan administration method combined with mobile communication system - Google Patents
Loan administration method combined with mobile communication system Download PDFInfo
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- CN102236871A CN102236871A CN 201010159318 CN201010159318A CN102236871A CN 102236871 A CN102236871 A CN 102236871A CN 201010159318 CN201010159318 CN 201010159318 CN 201010159318 A CN201010159318 A CN 201010159318A CN 102236871 A CN102236871 A CN 102236871A
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Abstract
The invention relates to a loan administration method combined with a mobile communication system. The loan administration method comprises the following steps of: providing a mobile phone financing applying module for transmitting a mobile phone signature to carry out identification authentication; providing a loan work module for reading credit information; providing a mobile phone credit module for utilizing a global position system to assure a company address and a house address; providing a credit investigation managing module for determining a loan limit and an interest rate; and providing an accounting managing module for allocating funds.
Description
Technical field
The invention relates to a kind of loan administration method, particularly relevant for a kind of loan administration method in conjunction with mobile communcations system.
Background technology
Along with the progress of society, individual and enterprise be for the demand of turnover of funds, with the time increase severely.The appearance of fiduciary loan has illustrated that people pay attention to credit, and this has epoch making significance undoubtedly for improving the attention of people to credit.For an advanced person's society, the constraining force of credit must significantly improve, to promote the credit of individual and enterprise, as the saying goes: " it is upright that the people does not have letter ".
Generally speaking, the risk of fiduciary loan may all be worried by bank and society, and this is an one integrity with both sides in fact.How can effectively manage the credit of individual and enterprise, and make the risk when financial institution borrows or lends money reduce, not only can increase the profit of making loans of financial institution effectively, more can reduce the interest of individual or enterprise debt-credit.
In view of this; TaiWan, China has been set up juridical person's finance united credit verification center (levying the center hereinafter to be referred as connection) at present; with as financial credit information center; member financial institution is as desiring the credit data via this center inquiry litigant; except that obtaining litigant's written consent and meeting the credit specific purpose; and should observe the relevant regulations of Computer Processing personal data Protection Code, and the standard of this center member's stipulations for the personal data protection.
In addition, in China, under the leader of State Council of the People's Republic of China, organize the personal credit information shared platform of each commercial bank's foundation by People's Bank of China.This database is gathered, puts in order, is preserved personal credit information, for financial institution provides personal credit situation inquiry service, for monetary policy and financial supervision provide relevant information service.
In the same manner; for protecting the rights and interests of individual and financial institution; financial institution also needs to authorize through the litigant; whether accept personal credit's business such as personal accomplishment guarantor in audit personal loan, credit card application or audit; and personal loan and the credit card of having provided carried out the credit risk tracing management, could querying individual credit information basic database.
Such strick precaution mechanism, main is to be to protect personal credit information, and takes into account the demand of financial institution's reference simultaneously.Yet,, little to bidding to host credit card and micro-credit, big loan as for house-purchase or buying car along with society's progress day by day.Social resource has been wasted in complicated reference work, has reduced the ageing of loan simultaneously.Therefore, how to quicken and provide safe reference mechanism, the efficient in the time of simultaneously also promoting the individual and provide a loan is necessary to propose a kind of new loan administration method in fact.
Summary of the invention
Described in above-mentioned prior art, during owing to personal loan, still must pass through complicated reference work, not only wasted social resource, reduced the ageing of loan simultaneously.
Purpose of the present invention it, provide a kind of loan administration method in conjunction with mobile communcations system, the efficient in the time of not only can promoting the individual and provide a loan reaches the protection personal credit information simultaneously, and takes into account the demand of financial institution's reference.
According to above-described purpose, the present invention discloses a kind of loan administration method in conjunction with mobile communcations system, provides a loan to the financier by the telecommunications dealer to make things convenient for the mobile phone client.This loan administration method in conjunction with mobile communcations system includes the following step:
At first, provide mobile phone application financing module, include status and confirm status, selection one financier of operation, and select a loan product to confirm this mobile phone client.Wherein, status confirms that operation comprises transmission one mobile phone at least and signs to this telecommunications dealer.Then, provide a loaning bill operation module, it comprises credit information and has access to operation to guarantee this mobile phone client credits situation.One mobile phone credit block is provided,, and sends the financier to a credit data of input mobile phone client.One reference administration module is provided,, determines a loan limit and an interest rate according to the credit data that the mobile phone credit block is transmitted.Provide an accounting management module, to appropriate funds this mobile phone user.
Wherein above-mentioned mobile phone credit block also includes utilizes Global Positioning System (GPS) (GlobalPositioning System; GPS), the company place of carrying out the mobile phone client is confirmed and the affirmation of dwelling house place.Above-mentioned credit data then can include Business Name, work academic title and the annual income of mobile phone client, and wages voucher or withholding voucher are taken pictures, with MMS (multimediamessaging service; MMS) be passed to the financier.And above-mentioned credit data can also comprise mobile phone model, telephone rate, pay in record and cost of the phone call.
In addition, above-mentioned status confirms that operation can also comprise the input authentication sign indicating number, and this authentication code comprises identity card number, birthday, family phone or other verify data; Or can provide a password by the telecommunications dealer.Loan administration method in conjunction with mobile communcations system of the present invention, can also provide a mobile phone to guarantee module, it includes the telephone number of importing the underwriter, company place and the dwelling house place that sends status affirmation voucher, carries out underwriter's status affirmation operation and utilize Global Positioning System (GPS) to carry out the underwriter confirmed.
The wherein above-mentioned mobile phone that provides guarantees module, can also require this underwriter to apply for a mobile phone in this telecommunications dealer.
Loan administration method in conjunction with mobile communcations system of the present invention, also including provides a mobile phone account module, in during certain, regularly require the mobile phone client to refund, and after can being set in input one password, transfer accounts to the specified refund account of financier by the account of an appointment.
Wherein above-mentioned mobile phone account module also comprises the each amount of money and time of refunding of record, and in whole loans pay in finish after, notify this mobile phone client to refund and finish.
Wherein above-mentioned credit information is had access to operation, be by this financier to a personal credit information unit, have access to the personal credit report of this mobile phone client.
Therefore, by the loan administration method in conjunction with mobile communcations system of the present invention, the efficient in the time of not only can promoting the individual effectively and provide a loan also can reach the protection personal credit information simultaneously, and take into account the demand of financial institution's reference.The present invention also can propose the demand of loan by mobile phone, also carries out identity validation, compares creditor's status and my signature simultaneously, to have access to the personal credit report.In addition, the present invention can be by the Global Positioning System (GPS) of mobile phone, further confirm at creditor's status, also can be by the communication signal of mobile phone and the positioning function of Global Positioning System (GPS), making things convenient for the creditor to carry out credit confirms, and can guarantee further that its person can move freely, no safety worries.
Description of drawings
For above and other objects of the present invention, feature, advantage and embodiment can be become apparent, appended the description of the drawings is as follows:
Fig. 1 is the synoptic diagram of the loan administration method in conjunction with mobile communcations system of the present invention;
Fig. 2 is the mobile phone application financing module of Fig. 1 and the synoptic diagram of loaning bill operation module;
Fig. 3 is the synoptic diagram that the status of Fig. 2 is confirmed operation;
Fig. 4 is the mobile phone credit block of Fig. 1 and the synoptic diagram of reference administration module; And
Fig. 5 is the synoptic diagram that the mobile phone of Fig. 1 guarantees module and reference administration module.
[primary clustering symbol description]
102: mobile phone client 140: the reference administration module
104: telecommunications dealer 150: the accounting management module
106: the financier 160: the account module
110: mobile phone application financing module 210～660: step
120: loaning bill operation module
130: mobile phone credit block and mobile phone guarantee module
Embodiment
The present invention discloses a kind of loan administration method in conjunction with mobile communcations system, and the efficient in the time of can promoting the individual effectively and provide a loan also can reach the protection personal credit information simultaneously, and take into account the demand of financial institution's reference.Below will clearly demonstrate spirit of the present invention with accompanying drawing and detailed description, as the person skilled in the art after understanding preferred embodiment of the present invention, when can be by the technology of teachings of the present invention, change and modification, it does not break away from spirit of the present invention and scope.
Consult Fig. 1, it is the synoptic diagram that illustrates the loan administration method in conjunction with mobile communcations system of the present invention.As shown in the figure, loan administration method in conjunction with mobile communcations system of the present invention, it mainly is combined with mobile telephone client 102, telecommunications dealer 104 and financier 106, the demand of loan is proposed to telecommunications dealer 104 with mobile phone, and via data validation mobile phone client 102 true identities of mobile phone client 102 input, the data of being logined during again via telecommunications dealer 104 comparison mobile phone clients 102 application mobile phones, after particularly comparing my signature, after confirming mobile phone client 102 true identities, send the demand and the related signature file of loan to financier 106, with further to relevant personal credit information unit, for example be the juridical person finance united credit verification center (levying the center) of TaiWan, China or the personal credit information shared platform of China, to have access to the personal credit report hereinafter to be referred as connection.Loan administration method in conjunction with mobile communcations system of the present invention can also also further be carried out the affirmation of status at mobile phone client 102, to guarantee mobile phone client 102 true identities again by the GPS positioning function of mobile phone.
At first desiring apply for loan when mobile phone client 102, for example is the fiduciary loan of small amount, can utilize mobile phone application financing module 110 to file an application to telecommunications dealer 104 earlier.Consult Fig. 2 and Fig. 3 simultaneously, at this moment, need carry out the identity validation operation of step 210 earlier, identity validation operation and also include step 310: the input authentication sign indicating number for example is the verify datas such as password that input identity card number/birthday (Year/Month/Day), family phone or telecommunications dealer are provided.Then, step 320: carry out the mobile phone signature and be sent to telecommunications dealer 104, then, telecommunications dealer 104 is according to authentication code that is sent and mobile phone signature, the related data of being preserved when applying for the mobile phone user is compared, to authenticate step 330.If correct, can determine that then mobile phone client 102 is really for the original call applicant, so can successfully appraise and decide status, step 340.Yet, will be that other people falsely use by identification if data are not inconsistent, and can't proceed follow-up loan flow process.
After status confirms that operation is errorless, enter step 220, mobile phone client 102 is further selected required debit bank or credit supplier.Then, step 230 is selected required loan product, for example is the amount of loan and the data such as issue of refund.These relevant data will preferably pass to financier 106 with enciphered data further via telecommunications dealer 104, and step 240 so is not limited thereto.
After financier 106 receives these ciphered data, then the data by the mobile phone client 102 that authenticated through telecommunications dealer 104 comprise signed data, to relevant personal credit information unit, for example be the juridical person finance united credit verification center (levying the center) of TaiWan, China or the personal credit information shared platform of China hereinafter to be referred as connection, have access to the personal credit report, step 250.Wherein, relevant for having access to the letter of consent of personal credit report with the relevant personal credit information unit of purpose, the mobile phone user can be when the application mobile phone, i.e. signature earlier, after waiting to receive authentication code and/or mobile phone signature via the mobile phone client 102 telecommunications dealer 104 that is sent to, can pass to the financier 106 of appointment according to demand, to have access to the personal credit report to relevant personal credit information unit.Also or when needs are provided a loan, sign to telecommunications dealer 104 by mobile phone client 102 transmission authentication codes and mobile phone again, pass to the financier 106 of appointment afterwards more according to demand, tool is to have access to the personal credit report to relevant personal credit information unit.
At this moment, financier 106 loaning bill operation module 120 according to had access to the personal credit report by relevant personal credit information unit, is confirmed client's credit standing, step 260, and after credit is normal, finish status affirmation and application operation, step 270.
After loaning bill operation module 120 was finished affirmation, then further notice mobile phone clients 102 of financier 106 were to carry out the further affirmation of credit and assurance.At this moment, the mobile phone credit block of mobile phone client 102 and mobile phone guarantee module 130, see through the information that telecommunications dealer 104 is transmitted with obtaining by financier 106, information with further affirmation mobile phone client 102 is correct, with ability and the credit that guarantees effectively to refund in the future.
Consult Fig. 4, mobile phone credit block and mobile phone guarantee that the mobile phone credit block of module 130 can be by step 410 to step 440 each or whole combinations, preferably comprise step 430 at least to step 440, be correctly and can normally pass in and out with work and the household who confirms mobile phone client 102 effectively.Step 410 is further input Business Name/work academic title/annual incomes of requirement mobile phone client 102, preferably also comprises to carry out the wages voucher or withhold voucher and take pictures, and with MMS (multimedia messaging service; MMS) be passed to financier 106 via telecommunications dealer 104.Step 420 then is that requirement mobile phone client 102 is imported the mobile phone credit data further, and behavioral data, for example be mobile phone model, telephone rate (for example the monthly fee of phone etc.), pay in data such as record or cost of the phone call, and confirmed via telecommunications dealer 104, be passed to financier 106.
Further consult Fig. 5, mobile phone credit block and mobile phone guarantee that the mobile phone in the module 130 guarantees module, then are to carry out just need starting when the underwriter confirms at need, if this loan need not the underwriter, then also can need not to start mobile phone and guarantee module.When carrying out mobile phone assurance module, mobile phone client 102 is at first imported required underwriter and its telephone number, step 510 with mobile phone.Then enter step 520, telecommunications dealer 104 sends status and confirms the mobile phone of voucher to the underwriter, if this moment, underwriter's mobile phone was and the mobile phone client 102 different telecommunications dealer that uses, then the underwriter needs the identical telecommunications dealer's of first to file and mobile phone client 102 door number, that is step 530, and carry out status simultaneously and confirm operation.If underwriter's mobile electricity uses identical telecommunications dealer with mobile phone client 102, then the underwriter can carry out status affirmation operation immediately.This status confirms that operation adopts identical mode with the operation of aforesaid Fig. 3 and carry out, and the authentication code of required input preferably is the status affirmation voucher that telecommunications dealer 104 sends to underwriter's mobile phone.Whether then, the underwriter need carry out the mobile phone credit block as Fig. 4, correct to confirm its related data, with the correctness in its work place and dwelling house place.
After finishing required mobile phone credit block and mobile phone assurance module 130, relevant data transfer guarantees to assess operation, step 550 to financier 106 reference administration module 140.After whole data all are identified, can finish underwriter's credit and confirm step 560.
Get back to Fig. 1, then enter financier 106 accounting management module 150, after confirming that financier 106 credit data etc. of mobile phone clients 102 is all errorless, can appropriate funds, and remittance data is sent to the account module 160 of mobile phone client 102 by telecommunications dealer 104, for example be remit money the time and the amount of money to the specified Bank Account Number of mobile phone client 102.And accounting management module 150 and account module 160 also be included in certain during in regularly require the function of refunding.For example be regularly to give notice to the account module 160 of mobile phone client 102, refund to remind by accounting management module 150.Or in account module 160 is automatically during certain, regularly require mobile phone client 102 to refund.
Therefore, by the loan administration method in conjunction with mobile communcations system of the present invention, the efficient in the time of not only can promoting the individual effectively and provide a loan also can reach the protection personal credit information simultaneously, and take into account the demand of financial institution's reference.The demand that also can propose loan in conjunction with the loan administration method of mobile communcations system of the present invention by mobile phone, and via mobile phone affirmation identity, the data of being logined in the time of also can applying for mobile phone by the telecommunications dealer, comparison creditor's status and my signature, to relevant personal credit information unit, have access to the personal credit report with further.In addition, the loan administration method in conjunction with mobile communcations system of the present invention can also further be carried out the affirmation of status, to guarantee true identity again by the GPS positioning function of mobile phone at the creditor.Simultaneously via mobile phone call loan people appropriation and refund matters, more can carry out the underwriter to guarantor's program.Therefore, the creditor can need not the agency that the parent goes to the financier, can see through the mobile phone apply for loan, and imports the bank account to appointment.Simultaneously, by the communication signal of mobile phone and the function of GPS location, the distance of creditor Ke Yi operate as normal, directly in work place and dwelling house place, carry out location confirmation, all correct with its work at present of further affirmation with the household, and can guarantee further that its person can move freely, and do not have safety worries.
Understand as the person skilled in the art, the above only is preferred embodiment of the present invention, is not in order to limit claim of the present invention.All other do not break away from the equivalence of being finished under the disclosed spirit and changes or modification, all should be included in the scope of claims of the present invention.
Claims (10)
1. the loan administration method in conjunction with mobile communcations system is characterized in that, is that a convenient mobile phone client is provided a loan to a financier by a telecommunications dealer, comprises:
One mobile phone application financing module is provided, comprise the following step: status is confirmed status, selection one financier of operation to confirm this mobile phone client, and select a loan product, wherein this status confirms that operation comprises transmission one mobile phone at least and signs to this telecommunications dealer;
One loaning bill operation module is provided, comprises the following step: credit information is had access to operation to guarantee this mobile phone client credits situation;
One mobile phone credit block is provided, comprises the following step: import a credit data of this mobile phone client, degree sends this financier to;
One reference administration module is provided,, determines a loan limit and an interest rate according to the credit data that this mobile phone credit block is transmitted; And
Provide an accounting management module, to appropriate funds this mobile phone user.
2. the loan administration method in conjunction with mobile communcations system according to claim 1 is characterized in that, above-mentioned mobile phone credit block also comprises:
Utilize Global Positioning System (GPS), carry out a company place of this mobile phone client and confirm; And
Utilize Global Positioning System (GPS), carry out a dwelling house place of this mobile phone client and confirm.
3. the loan administration method in conjunction with mobile communcations system according to claim 2, it is characterized in that, above-mentioned credit data comprises Business Name, work academic title and the annual income of this mobile phone client work, and with the wages voucher or the withholding voucher take pictures, be passed to this financier with MMS.
4. the loan administration method in conjunction with mobile communcations system according to claim 3 is characterized in that, above-mentioned credit data also comprises mobile phone model, telephone rate, pays in record and cost of the phone call.
5. the loan administration method in conjunction with mobile communcations system according to claim 1 is characterized in that, above-mentioned status confirms that operation also comprises:
Input authentication sign indicating number, this authentication code comprise identity card number, birthday, family phone and a password.
6. the loan administration method in conjunction with mobile communcations system according to claim 1 is characterized in that, also comprises:
Provide a mobile phone to guarantee module, comprise the following step:
Input underwriter's telephone number;
Send a status and confirm voucher;
Carry out this underwriter's status and confirm operation;
Utilize Global Positioning System (GPS), carry out this underwriter's a company place and confirm; And
Utilize Global Positioning System (GPS), carry out this underwriter's a dwelling house place and confirm.
7. the loan administration method in conjunction with mobile communcations system according to claim 6 is characterized in that, the above-mentioned mobile phone that provides guarantees module, also comprises, and this underwriter applies for a mobile phone in this telecommunications dealer.
8. the loan administration method in conjunction with mobile communcations system according to claim 1 is characterized in that, also comprises:
One mobile phone account module is provided, during certain in, regularly require this mobile phone client to refund, and after inputing a password, by the account account transfer of an appointment to the specified refund account of this financier.
9. the loan administration method in conjunction with mobile communcations system according to claim 8, it is characterized in that above-mentioned mobile phone account module also comprises the each amount of money and time of refunding of record, and in whole loans pay in finish after, notify this mobile phone client to refund and finish.
10. the loan administration method in conjunction with mobile communcations system according to claim 1 is characterized in that above-mentioned credit information is had access to operation, be by this financier to a personal credit information unit, have access to the personal credit report of this mobile phone client.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201010159318 CN102236871A (en) | 2010-04-26 | 2010-04-26 | Loan administration method combined with mobile communication system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201010159318 CN102236871A (en) | 2010-04-26 | 2010-04-26 | Loan administration method combined with mobile communication system |
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| Publication Number | Publication Date |
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| CN102236871A true CN102236871A (en) | 2011-11-09 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 201010159318 Pending CN102236871A (en) | 2010-04-26 | 2010-04-26 | Loan administration method combined with mobile communication system |
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| CN (1) | CN102236871A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106330872A (en) * | 2016-08-16 | 2017-01-11 | 广州比特软件科技有限公司 | Rapid qualification authentication method and system based on voucher |
| CN107194806A (en) * | 2016-09-13 | 2017-09-22 | 深圳中兴飞贷金融科技有限公司 | The server provided a loan for mobile phone |
| CN111179058A (en) * | 2019-12-24 | 2020-05-19 | 天阳宏业科技股份有限公司 | Credit card and consumption loan service integrated management system and method |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1625888A (en) * | 2002-04-28 | 2005-06-08 | 倍酷国际有限公司 | System and method for starting financial transaction service provided by remote communication operation mechanism |
-
2010
- 2010-04-26 CN CN 201010159318 patent/CN102236871A/en active Pending
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1625888A (en) * | 2002-04-28 | 2005-06-08 | 倍酷国际有限公司 | System and method for starting financial transaction service provided by remote communication operation mechanism |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106330872A (en) * | 2016-08-16 | 2017-01-11 | 广州比特软件科技有限公司 | Rapid qualification authentication method and system based on voucher |
| CN107194806A (en) * | 2016-09-13 | 2017-09-22 | 深圳中兴飞贷金融科技有限公司 | The server provided a loan for mobile phone |
| CN111179058A (en) * | 2019-12-24 | 2020-05-19 | 天阳宏业科技股份有限公司 | Credit card and consumption loan service integrated management system and method |
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Application publication date: 20111109 |