CN104200385A - Method and system of self-service teller machine for transacting new house loan service - Google Patents

Method and system of self-service teller machine for transacting new house loan service Download PDF

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CN104200385A
CN104200385A CN201410429456.XA CN201410429456A CN104200385A CN 104200385 A CN104200385 A CN 104200385A CN 201410429456 A CN201410429456 A CN 201410429456A CN 104200385 A CN104200385 A CN 104200385A
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loan
bank
client
teller machine
loan application
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CN104200385B (en
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谭希韬
谭希妤
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Shanghai HaoWu Information Technology Co.,Ltd.
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谭希韬
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Abstract

The invention discloses a method and a system of a self-service teller machine for transacting a new house loan service. The system comprises a two-dimensional code loan application generation device, a loan teller machine and a bank loan service server, all of which are connected through an SDH (Synchronous Digital Hierarchy) digital circuit. The two-dimensional code loan application generation device is composed of an identification card reader, a signed building information and rule storage device, a two-dimensional code printing device, a bank and building customer service hotline and a host, and is used for typing in a loan application requirement of a customer, generating a two-dimensional code loan application, an information and information requirement list and a loan application content clear book. The loan teller machine comprises a box type shooting and scanning device, an identification card reader three-checking device, a customer service guide device, a logistic module, a loan credit risk assessment device, a guarantee table and procedure processing device, and a two-dimensional code reading device. The bank loan service server comprises a process control device, a customer guarantee processing device, a credit amount generation unit and a loan origination unit, and is used for transacting the loan service.

Description

A kind of method and system of the self-help teller machine of housing loan business on the other hand of handling
Technical field
The present invention relates to bank self-aid apparatus technical field, be specifically related to a kind of method and system of the self-help teller machine of housing loan business on the other hand of handling.
Background technology
At present, along with the development of real estate business, more and more people purchase house by mortgage loan.Traditional bank on the other hand housing loan service needed user proposes loan application, in the process of proficiency housing loan application, user must provide the related data foundation that housing loan is examined as proficiency, whether and amount supplied, there is following problem in this traditional proficiency housing loan pattern in the granting that determines again loan after the review of a plurality of departments.
Client must provide a large amount of related datas in proficiency housing loan process, experience many programs, flow process complexity and efficiency are not high, for bank, in housing loan process, data is confirmed to be a quite complicated program on the other hand, need to pay a large amount of manpowers and cost, bank sets up personal loan department to carry out at present.
In addition, existing proficiency housing loan is based upon on conventional loans pattern basis, needs the audit of a plurality of departments, and credit, examines, and the complicacy due to data verification and guaranty assessment, causes bank loan poor in timeliness, cannot meet client's demand.
Therefore, just need a kind of system of scientific and reasonable proficiency housing loan to improve bank loan service.
Summary of the invention
The embodiment of the present invention provides a kind of self-help teller machine of handling proficiency housing loan business to solve bank's problem of housing loan business complexity on the other hand.
One of object of the present invention is that client can enjoy fast and easily housing loan service on the other hand.
One of object of the present invention is that the proficiency housing loan business that bank wanted personal loan department to carry out originally, is processed by self-help teller machine, saves human resources.
The present invention is achieved through the following technical solutions above-mentioned purpose.
Handle a method and system for the self-help teller machine of housing loan business on the other hand, comprising: Quick Response Code loan application generating apparatus, loan automatic teller machine, bank loan service server; Quick Response Code loan application generating apparatus, loan automatic teller machine, bank loan service server are connected by SDH digital circuit.
Quick Response Code loan application generating apparatus is comprised of identity card reader, signing building data and regular reservoir, two-dimensional code printing apparatus, bank and building customer service hotline, main frame; Loan application for typing client requires, preposition loan application information, generates clearly book of Quick Response Code loan application, data and data requirement inventory, loan application content; Be placed on housing corporation, bank outlets, self-help bank.
Loan automatic teller machine comprises boxlike take pictures scanister, identity card reader three checking devices, client's guiding service device, logistics module, loan credit risk apparatus for evaluating, guaranty form and flow processing device, Quick Response Code reading device; For client, after data is complete, with Quick Response Code loan application, on loan automatic teller machine, carry out the application of proficiency housing loan business.
Bank loan service server comprises flow control device, client's guaranty treating apparatus, credit volume generation unit, loan origination unit, for carrying out loan transaction processing.
Identity card reader in Quick Response Code loan application generating apparatus is used for verifying client identity, reads in customer information; Signing building data and regular reservoir provide for limit Quick Response Code loan application for Quick Response Code loan application generating apparatus the option that meets national policy, bank's regulation.
The boxlike of loan described in the automatic teller machine scanister of taking pictures is comprised of A4 document case, camera, file packing apparatus, for A4 formatted file is put into a top, it is empty A4 document case, on document case, be placed with camera for the scanning of taking pictures, the complete automatic packaging file of business; I.D. three checking devices comprise I.D. online checking, identity card reader, three modules of on-the-spot recognition of face, and the people's face numerical characteristic in three results being returned by described module is checked mutually.
Client's guiding service device comprises Quick Response Code reading device, loan application interpreting means; For operating loan automatic teller machine according to loan application guiding client.
Logistics module is used for generating secret key, by special line, sends to logistics company, and logistics is collected housing loan Business Information on the other hand with secret key to loan automatic teller machine and processed to relevant departments of bank.
Loan credit risk apparatus for evaluating is used for for showing user's credit volume, and receives user's selection.
Guaranty form and flow processing device are used for generating prints guaranty processing file, sends and carries out mortgage notice to client, the employee of bank.
Bank loan service server, flow control device be used for guiding loan transaction workflow, to Banking sector, the employee of bank, client, send execution instruction.
Client's guaranty treating apparatus is used for registering guaranty mortgage process, guaranty is processed.
A kind of use of handling the self-help teller machine of proficiency housing loan business comprises the following steps.
A, client, to building house-purchase, propose housing loan requirement on the other hand.
B, customer selecting are self-service, building employee assists, the employee of bank assists to Quick Response Code loan application generating apparatus, to insert data in three kinds of modes, and the loan application of generation Quick Response Code, data and data requirement inventory, loan application content be book clearly.
C, client conscientiously check clearly book of loan application content, if be not inconsistent with selection, again do B item, if do not understood, and consulting bank and building customer service hotline, building employee, the employee of bank.
D, client conscientiously check data and data requirement inventory, by inventory, prepare data; Comprising bank card and authentication medium.
E, client are to loan automatic teller machine, and scanning Quick Response Code reads in loan application, insert bank card and authentication medium, and loan automatic teller machine carries out take pictures scanning, signature, loan transaction of file according to loan application guiding client and handles operation.
F, house joint owner carry out take pictures scanning, signature, loan transaction of file to loan automatic teller machine and handle operation.
G, logistics company are got file logistics to relevant departments of bank, and flow control device guide work is pressed by all departments.
After H, guaranty generate, client and the employee of bank go through the formalities to house administration office jointly.
I, flow control device guide bank loan.
J, flow control device guide client to refund.
K, flow control device check after guiding and borrowing.
L, flow control device guide separates mortgage, completes housing loan business on the other hand.
The beneficial effect of the inventive method is: client can enjoy fast and easily housing loan service on the other hand, and the proficiency housing loan business that bank wanted personal loan department to carry out originally, is processed by self-help teller machine, saves human resources.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those skilled in the art, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Figure l is a kind of method and system process flow diagram of the self-help teller machine of housing loan business on the other hand of handling of the embodiment of the present invention.
Fig. 2 is a kind of use block diagram of the self-help teller machine of housing loan business on the other hand of handling of the embodiment of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, rather than whole embodiment.Embodiment based in the present invention, those of ordinary skills, not making the every other embodiment obtaining under creative work prerequisite, belong to the scope of protection of the invention.
A kind of method and system flow process of the self-help teller machine of housing loan business on the other hand of handling of EXAMPLE l, comprising: Quick Response Code loan application generating apparatus, loan automatic teller machine, bank loan service server; Quick Response Code loan application generating apparatus, loan automatic teller machine, bank loan service server are connected by SDH digital circuit.
Quick Response Code loan application generating apparatus is comprised of identity card reader, signing building data and regular reservoir, two-dimensional code printing apparatus, bank and building customer service hotline, main frame; Loan application for typing client requires, preposition loan application information, generates clearly book of Quick Response Code loan application, data and data requirement inventory, loan application content; Be placed on housing corporation, bank outlets, self-help bank.
Loan automatic teller machine comprises boxlike take pictures scanister, identity card reader three checking devices, client's guiding service device, logistics module, loan credit risk apparatus for evaluating, guaranty form and flow processing device, Quick Response Code reading device; For client, after data is complete, with Quick Response Code loan application, on loan automatic teller machine, carry out the application of proficiency housing loan business.
Bank loan service server comprises flow control device, client's guaranty treating apparatus, credit volume generation unit, loan origination unit, for carrying out loan transaction processing.
Identity card reader in Quick Response Code loan application generating apparatus is used for verifying client identity, reads in customer information; Signing building data and regular reservoir provide for limit Quick Response Code loan application for Quick Response Code loan application generating apparatus the option that meets national policy, bank's regulation.
The boxlike of loan described in the automatic teller machine scanister of taking pictures is comprised of A4 document case, camera, file packing apparatus, for A4 formatted file is put into a top, it is empty A4 document case, on document case, be placed with camera for the scanning of taking pictures, the complete automatic packaging file of business; I.D. three checking devices comprise I.D. online checking, identity card reader, three modules of on-the-spot recognition of face, and the people's face numerical characteristic in three results being returned by described module is checked mutually.
Client's guiding service device comprises Quick Response Code reading device, loan application interpreting means; For operating loan automatic teller machine according to loan application guiding client.
Logistics module is used for generating secret key, by special line, sends to logistics company, and logistics is collected housing loan Business Information on the other hand with secret key to loan automatic teller machine and processed to relevant departments of bank.
Loan credit risk apparatus for evaluating is used for for showing user's credit volume, and receives user's selection.
Guaranty form and flow processing device are used for generating prints guaranty processing file, sends and carries out mortgage notice to client, the employee of bank.
Bank loan service server, flow control device be used for guiding loan transaction workflow, to Banking sector, the employee of bank, client, send execution instruction.
Client's guaranty treating apparatus is used for registering guaranty mortgage process, guaranty is processed.
A kind of use of handling the self-help teller machine of proficiency housing loan business comprises the following steps.
A, client, to building house-purchase, propose housing loan requirement on the other hand.
B, customer selecting are self-service, building employee assists, the employee of bank assists to Quick Response Code loan application generating apparatus, to insert data in three kinds of modes, and the loan application of generation Quick Response Code, data and data requirement inventory, loan application content be book clearly.
C, client conscientiously check clearly book of loan application content, if be not inconsistent with selection, again do B item, if do not understood, and consulting bank and building customer service hotline, building employee, the employee of bank.
D, client conscientiously check data and data requirement inventory, by inventory, prepare data; Comprising bank card and authentication medium.
E, client are to loan automatic teller machine, and scanning Quick Response Code reads in loan application, and loan automatic teller machine carries out take pictures scanning, signature, loan transaction of file according to loan application guiding client and handles operation.
F, house joint owner carry out take pictures scanning, signature, loan transaction of file to loan automatic teller machine and handle operation.
G, logistics company are got file logistics to relevant departments of bank, and flow control device guide work is pressed by all departments.
After H, guaranty generate, client and the employee of bank go through the formalities to house administration office jointly.
I, flow control device guide bank loan.
J, flow control device guide client to refund.
K, flow control device check after guiding and borrowing.
L, flow control device guide separates mortgage, completes housing loan business on the other hand.
2 one kinds of use steps of handling the self-help teller machine of proficiency housing loan business of embodiment.
As shown in Figure 2, a kind of use of handling the self-help teller machine of proficiency housing loan business of the embodiment of the present invention comprises the following steps.
A, client, to building house-purchase, propose housing loan requirement on the other hand.
B, customer selecting are self-service, building employee assists, the employee of bank assists to Quick Response Code loan application generating apparatus, to insert data in three kinds of modes, and the loan application of generation Quick Response Code, data and data requirement inventory, loan application content be book clearly.
C, client conscientiously check clearly book of loan application content, if be not inconsistent with selection, again do B item, if do not understood, and consulting bank and building customer service hotline, building employee, the employee of bank.
D, client conscientiously check data and data requirement inventory, by inventory, prepare data; Comprising bank card and authentication medium.
E, client are to loan automatic teller machine, and scanning Quick Response Code reads in loan application, insert bank card and authentication medium, and loan automatic teller machine carries out take pictures scanning, signature, loan transaction of file according to loan application guiding client and handles operation.
F, house joint owner carry out take pictures scanning, signature, loan transaction of file to loan automatic teller machine and handle operation.
G, logistics company are got file logistics to relevant departments of bank, and flow control device guide work is pressed by all departments.
After H, guaranty generate, client and the employee of bank go through the formalities to house administration office jointly.
I, flow control device guide bank loan.
J, flow control device guide client to refund.
K, flow control device check after guiding and borrowing.
L, flow control device guide separates mortgage, completes housing loan business on the other hand.
In the present invention, applied specific embodiment principle of the present invention and embodiment are set forth, the explanation of above embodiment is just for helping to understand method of the present invention and core concept thereof; , for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention meanwhile.

Claims (5)

1. handle a method and system for the self-help teller machine of housing loan business on the other hand, it is characterized in that, described system comprises: Quick Response Code loan application generating apparatus, loan automatic teller machine, bank loan service server; Described Quick Response Code loan application generating apparatus, loan automatic teller machine, bank loan service server are connected by SDH digital circuit;
Described Quick Response Code loan application generating apparatus is comprised of identity card reader, signing building data and regular reservoir, two-dimensional code printing apparatus, bank and building customer service hotline, main frame; Loan application for typing client requires, preposition loan application information, generates clearly book of Quick Response Code loan application, data and data requirement inventory, loan application content; Be placed on housing corporation, bank outlets, self-help bank;
Described loan automatic teller machine comprises boxlike take pictures scanister, identity card reader three checking devices, client's guiding service device, logistics module, loan credit risk apparatus for evaluating, guaranty form and flow processing device, Quick Response Code reading device; For client, after data is complete, with Quick Response Code loan application, on loan automatic teller machine, carry out the application of proficiency housing loan business;
Described bank loan service server comprises flow control device, client's guaranty treating apparatus, credit volume generation unit, loan origination unit, for carrying out loan transaction processing.
2. according to the Quick Response Code loan application generating apparatus described in claim l, it is characterized in that:
Described identity card reader is used for verifying client identity, reads in customer information;
Described signing building data and regular reservoir meet national policy, bank's regulation for limit the option of Quick Response Code loan application for Quick Response Code loan application generating apparatus.
3. according to the loan automatic teller machine described in claim l, it is characterized in that:
The described boxlike scanister of taking pictures is comprised of A4 document case, camera, file packing apparatus, for A4 formatted file being put into a top, is empty A4 document case, is placed with camera for the scanning of taking pictures, the complete automatic packaging file of business on document case;
Described I.D. three checking devices comprise I.D. online checking, identity card reader, three modules of on-the-spot recognition of face, and the people's face numerical characteristic in three results being returned by described module is checked mutually;
Described client's guiding service device comprises Quick Response Code reading device, loan application interpreting means; For operating loan automatic teller machine according to loan application guiding client;
Described logistics module is used for generating secret key, by special line, sends to logistics company, and logistics is collected housing loan Business Information on the other hand with secret key to loan automatic teller machine and processed to relevant departments of bank;
Described loan credit risk apparatus for evaluating is used for for showing user's credit volume, and receives user's selection;
Described guaranty form and flow processing device are used for generating prints guaranty processing file, sends and carries out mortgage notice to client, the employee of bank.
4. according to the bank loan service server described in claim l, it is characterized in that:
Described flow control device is used for guiding loan transaction workflow, to Banking sector, the employee of bank, client, sends execution instruction;
Described client's guaranty treating apparatus is used for registering guaranty mortgage process, guaranty is processed.
5. a use of handling the self-help teller machine of proficiency housing loan business comprises the following steps:
A, client, to building house-purchase, propose housing loan requirement on the other hand;
B, customer selecting are self-service, building employee assists, the employee of bank assists to Quick Response Code loan application generating apparatus, to insert data in three kinds of modes, and the loan application of generation Quick Response Code, data and data requirement inventory, loan application content be book clearly;
C, client conscientiously check clearly book of loan application content, if be not inconsistent with selection, again do B item, if do not understood, and consulting bank and building customer service hotline, building employee, the employee of bank;
D, client conscientiously check data and data requirement inventory, by inventory, prepare data; Comprising bank card and authentication medium;
E, client are to loan automatic teller machine, and scanning Quick Response Code reads in loan application, insert bank card and authentication medium, and loan automatic teller machine carries out take pictures scanning, signature, loan transaction of file according to loan application guiding client and handles operation;
F, house joint owner carry out take pictures scanning, signature, loan transaction of file to loan automatic teller machine and handle operation;
G, logistics company are got file logistics to relevant departments of bank, and flow control device guide work is pressed by all departments;
After H, guaranty generate, client and the employee of bank go through the formalities to house administration office jointly;
I, flow control device guide bank loan;
J, flow control device guide client to refund;
K, flow control device check after guiding and borrowing;
L, flow control device guide separates mortgage, completes housing loan business on the other hand.
CN201410429456.XA 2014-08-27 2014-08-27 A kind of method and system for the self-help teller machine for handling proficiency housing loan business Active CN104200385B (en)

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CN107784750A (en) * 2017-11-13 2018-03-09 西安智与行软件科技有限公司 A kind of loan done by oneself machine terminal management system and method
CN109272296A (en) * 2018-09-18 2019-01-25 中国农业银行股份有限公司贵州省分行 A kind of self-service brush face does loan method and system
CN109523371A (en) * 2018-10-12 2019-03-26 深圳壹账通智能科技有限公司 Online make loans checking method, device, computer equipment and storage medium
WO2020056980A1 (en) * 2018-09-19 2020-03-26 平安科技(深圳)有限公司 Service guiding method and apparatus based on human facial recognition, and storage medium

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107730777A (en) * 2017-11-13 2018-02-23 西安智与行软件科技有限公司 A kind of loan done by oneself machine background management system and method
CN107784750A (en) * 2017-11-13 2018-03-09 西安智与行软件科技有限公司 A kind of loan done by oneself machine terminal management system and method
CN109272296A (en) * 2018-09-18 2019-01-25 中国农业银行股份有限公司贵州省分行 A kind of self-service brush face does loan method and system
WO2020056980A1 (en) * 2018-09-19 2020-03-26 平安科技(深圳)有限公司 Service guiding method and apparatus based on human facial recognition, and storage medium
CN109523371A (en) * 2018-10-12 2019-03-26 深圳壹账通智能科技有限公司 Online make loans checking method, device, computer equipment and storage medium
CN109523371B (en) * 2018-10-12 2023-04-07 深圳壹账通智能科技有限公司 Online payment auditing method and device, computer equipment and storage medium

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