CN106886943A - Real-time borrowing and repaying system and method - Google Patents

Real-time borrowing and repaying system and method Download PDF

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Publication number
CN106886943A
CN106886943A CN201710076952.5A CN201710076952A CN106886943A CN 106886943 A CN106886943 A CN 106886943A CN 201710076952 A CN201710076952 A CN 201710076952A CN 106886943 A CN106886943 A CN 106886943A
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CN
China
Prior art keywords
server
form data
declaration form
real time
refund
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Pending
Application number
CN201710076952.5A
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Chinese (zh)
Inventor
萧枫颖
黄庭瑜
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Cathay Life Insurance Co
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Cathay Life Insurance Co
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Filing date
Publication date
Application filed by Cathay Life Insurance Co filed Critical Cathay Life Insurance Co
Publication of CN106886943A publication Critical patent/CN106886943A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a real-time borrowing and repaying system and a method thereof. The electronic device is used for sending a borrowing request or a repayment request corresponding to an insurance account. The insurance account corresponds to a plurality of insurance policy data. Each policy data corresponds to a interest rate. The first server is connected with the electronic device and used for sending a borrowing notice or a repayment notice according to the borrowing request or the repayment request. The second server is connected with the first server and used for determining the priority of the insurance policy data according to one of the borrowing notice or the repayment notice and the interest rates.

Description

Refund System and method for is borrowed in real time
Technical field
Refund technology, more particularly to one kind is borrowed to borrow refund System and method in real time in real time the present invention relates to a kind of.
Background technology
With the progress of society, personal or enterprise increases severely for the demand of capital turnover with day.In the past, it is many personal or Enterprise is desirable with declaration form and is even refunded to bank's loan application.However, but because cannot in real time be borrowed money or be refunded and made Its convenience is difficult to be lifted.
In view of this, how to design it is a kind of it is new borrow refund System and method in real time, it is of the prior art above-mentioned to eliminate Defect and deficiency, are a person skilled problems urgently to be resolved hurrily in the industry.
The content of the invention
Refund System and method for is borrowed in real time the invention provides a kind of, is used and is solved the problems, such as that prior art is addressed.
In order to realize foregoing invention purpose, refund system is borrowed in real time the invention discloses a kind of.Refund system bag is borrowed in real time Containing an electronic installation, a first server and a second server.Electronic installation is used to send out corresponding to a underwriting account One borrows money asks or a refund request.Insurance account corresponds to complex declaration form data.The each of those declaration form data point Dui Yingyu not an interest rate.First server is online with electronic installation and to send out a loaning bill according to loaning bill request or request of refunding Notify or a refund notice.Second server and first server it is online and to notified according to borrowing money or refund notice wherein it One and those interest rates determine the relative importance value of those declaration form data.
In order to realize foregoing invention purpose, repayment method is borrowed in real time the invention also discloses a kind of.Repayment method is borrowed in real time Comprising:The loaning bill request or a refund request corresponding to a underwriting account, wherein underwriting account are sent out by an electronic installation Each corresponding to complex declaration form data and each declaration form data corresponds respectively to an interest rate;By a first server according to A loaning bill is sent out according to request of borrowing money to notify or a refund notice;When second server receives loaning bill to be notified, by the second clothes Business device determines the relative importance value of the relative importance value of the relatively low declaration form data of the interest rate declaration form data higher higher than interest rate;And when the second clothes When business device receives refund notice, determine that the relative importance value of interest rate declaration form data higher is relatively low higher than interest rate by second server Declaration form data relative importance value.
In sum, through an above-mentioned embodiment is applied, user can be borrowed money and/or be refunded to bank in real time, And system automatically will carry out the sequence of relative importance value according to the interest rate of declaration form data, and then lifted and borrowed money and/or refund program Convenience.
Brief description of the drawings
It is above and other purpose of the invention, feature, advantage and embodiment can be become apparent, institute's accompanying drawings are said It is bright as follows:
Fig. 1 is a kind of in real time by means of the schematic diagram of refund system of an embodiment provided by the present invention;
Fig. 2 is a kind of in real time by means of the schematic diagram of refund system of an embodiment provided by the present invention;
Fig. 3 is a kind of in real time by means of the schematic diagram of refund system of an embodiment provided by the present invention;
Fig. 4 is the step of one kind provided by the present invention borrows repayment method in real time flow chart.
Mainly illustrate:
100、200、300:Refund system is borrowed in real time
110、210、310:Electronic installation
112、212、312:User interface
120、220、320:First server
130、230、330:Second server
240、340:3rd server
350:4th server
400:Repayment method is borrowed in real time
S402、S404、S406、S408、S410、S412、S414、S416:Step
b1:Bank information
R1:Borrow money and ask
R2:Refund and ask
N1:Borrow money and notify
N2:Refund notice
Specific embodiment
It is hereafter to coordinate institute accompanying drawings to elaborate for embodiment, but the embodiment that is provided and is not used to limit this hair Bright covered scope, and the description of structure operation is not used to limit the order of its execution, any knot reconfigured by component Structure, it is produced with it is equal the effects such as device, be all the scope that is covered of the present invention.In addition, Figure of description is only with explanation Purpose, and not according to full size mapping.To make to readily appreciate, same components or similar component will be accorded with identical in the description below Number sign is illustrated.
Fig. 1 is according to a kind of in real time by means of the schematic diagram of refund system 100 depicted in some embodiments of the invention.User (or being the insured) first can apply underwriting account, and utilization underwriting account to a plurality of declaration form commodity of insurance company to bank Insured.The declaration form data of each declaration form commodity have corresponding interest rate and it is corresponding can debit balance volume.Can debit balance volume be Refer to that the same day initially can debit balance volume.Then, user can pass through and be borrowed money in real time by means of refund system 100 and/or refund journey in real time Sequence.
For with Fig. 1 examples, refund system 100 is borrowed to include electronic installation 110, first server 120 and second in real time Server 130.In certain embodiments, first server 120 is the server at bank end, and second server 130 is insurance The server at company end.
Electronic installation 110 includes user interface 112.User can be by operation user interface 112 so that electronic installation 110 Machine is to first server 120.In certain embodiments, electronic installation 110 can be for example personal desktop's computer, notebook electricity Brain, tablet PC or mobile communication device (such as intelligent mobile phone).For example, if electronic installation 110 is personal desktop Can be online to the insertion of financial card in the calculating punch of electronic installation 110 by computer, user.And user interface 112 can example Internet bank's operate interface in this way.In some other embodiments, electronic installation 110 then can be for example ATM.If electric Sub-device 110 is ATM, and can be inserted from financial card in the card reading slot of dynamic automatic teller machine by user.And user interface 112 Can be for example ATM operate interface.In other words, user can be by operation Internet bank's operate interface or automatic cabinet The program that member's machine operate interface is borrowed money and/or refunded in real time.
In certain embodiments, user can select loaning bill service option or refund service option on user interface 112.And Operation submitting of the electronic installation 110 by foundation user on user interface 112 is asked R1 or is gone back corresponding to the loaning bill of underwriting account Money request R2 gives first server 120.If first server 120 receives loaning bill request R1, first server 120 can be sent out and borrow Money notifies that N1 gives second server 130.After second server 130 receives loaning bill notice N1, it will provided according to those declaration forms The interest rate of material determines the relative importance value of those declaration form data, in real time and automatically to carry out loaning bill program.If first server 120 Refund request R2 is received, first server 120 can send out refund notice N2 and give second server 130.Second server 130 connects After receiving refund notice N2, it will the relative importance value of those declaration form data is determined according to the interest rate of those declaration form data, with reality When and automatically carry out refund program.
Assuming that first server 120 is the server of A banks, second server 130 is the server of B insurance companies.Separately Outward, it is assumed that user assumes through A banks to B insurance companies application underwriting account, and the complex declaration form data of underwriting account Such as following table one:
Declaration form data Interest rate Can debit balance volume
A 5.5% 40,000
B 5.5% 10,000
C 6.5% 60,000
Table one
For Fig. 1 examples, user can be by the card-reading apparatus of the financial card of A banks insertion electronic installation 110.One In a little embodiments, electronic installation 110 can be for example the ATM of A banks, and card-reading apparatus can be for example ATM Card reading slot.After financial card is inserted into card-reading apparatus, user can be by automatic counter machine operated operate interface so that electricity Sub-device 110 is online to first server 120.Then, the bank information b1 of financial card can be sent to the by electronic installation 110 One server 120.Bank information b1 is used to represent every affiliated bank of financial card.Then, first server 120 will determine that Whether the bank information b1 of financial card meets the affiliated bank of underwriting account.That is, first server 120 will determine that gold Whether the bank information b1 for melting card corresponds to the affiliated bank (A banks) of first server 120.If bank information b1 corresponds to A banks, first server 120 will be online to the second server 130 of B insurance companies.On the other hand, when user is in user interface Loaning bill service option or refund service option are selected on 112, electronic installation 110 will be sent out the request R1 or request R2 that refunds that borrows money and be given First server 120.And first server 120 will be sent out to borrow money and notify N1 or refund according to the request R1 or request R2 that refunds that borrows money Notify that N2 gives second server 130.
Notify that N1, second server 130 will determine the relatively low declaration form data of interest rate when second server 130 receives loaning bill Relative importance value of the relative importance value higher than interest rate declaration form data higher.If the interest rate of wherein two declaration form data is identical, the second clothes Business device 130 will determine can the larger declaration form data of debit balance volume relative importance value higher than can the less declaration form data of debit balance volume it is preferential Degree.
By taking above-mentioned table one as an example, due to the interest rate of the interest rate less than declaration form data C of declaration form data A and declaration form data B, and Due to declaration form data A can debit balance volume more than declaration form data B can debit balance volume, therefore those declaration form data relative importance value by up to It is low to be sequentially declaration form data A, declaration form data B, declaration form data C.That is, declaration form data A preferentially can passively be used for borrowing money.
On the other hand, when second server 130 receives refund notice N2, second server 130 will determine that interest rate is higher Declaration form data relative importance value of the relative importance value higher than the relatively low declaration form data of interest rate.If the interest rate of wherein two declaration form data is identical When, second server 130 will determine can the less declaration form data of debit balance volume relative importance value higher than can the larger declaration form number of debit balance volume According to relative importance value.
By taking above-mentioned table one as an example, due to the interest rate of the interest rate higher than declaration form data A and declaration form data B of declaration form data C, and Due to declaration form data B can debit balance volume less than declaration form data A can debit balance volume, therefore those declaration form data relative importance value by up to It is low to be sequentially declaration form data C, declaration form data B, declaration form data A.That is, declaration form data C can preferentially be refunded.
Please continue to refer to Fig. 1.In some other embodiments, electronic installation 110 can be for example personal desktop's computer, and Card-reading apparatus can be for example calculating punch.After financial card is inserted into card-reading apparatus, user can be by operation A banks Internet bank's operate interface is so that electronic installation 110 is online to first server 120.Remaining content similar to previous embodiment, Therefore repeat no more.In addition, user also can by Internet bank's operate interface selection of operation A banks by by means of fund deposit Enter to arrange account or other accounts.
Fig. 2 is according to a kind of in real time by means of the schematic diagram of refund system 200 depicted in some embodiments of the invention.Similar to Fig. 1's borrows refund system 100 in real time, borrows refund system 200 to include electronic installation 210, first server 220 and second in real time Server 230.In addition, borrowing refund system 200 also to include the 3rd server 240 in real time.In certain embodiments, the 3rd server 240 is the server of financial and monetary company.
For Fig. 2 examples, user can be by the card-reading apparatus of the financial card of A banks insertion electronic installation 210.One In a little embodiments, electronic installation 210 can be for example the ATM of C banks, and card-reading apparatus can be for example ATM Card reading slot.After financial card is inserted card-reading apparatus by user, electronic installation 210 is by according to the bank information b1 of financial card Whether the affiliated bank for judging financial card is C banks.When electronic installation 210 judges that the affiliated bank of financial card is not C During bank, electronic installation 210 will be online to the 3rd server 240, and send out the bank information b1 of financial card and give the 3rd service Device 240.3rd server 240 will judge the affiliated bank of financial card, parallel machine to affiliated bank according to bank information b1 First server 220.That is, the 3rd server 240 will connect to the first server 220 of A banks.When user with Loaning bill service option is selected on family interface 212, electronic installation 210 will send out the request R1 that borrows money and give the 3rd server 240.3rd clothes Loaning bill request R1 is sent to first server 220 by meeting after business device 240 receives loaning bill request R1.And first server 220 connects After receiving loaning bill request R1, the notice N1 that borrows money will be sent out and give second server 230, loaning bill program will be carried out with using insurance account.
Fig. 3 is according to a kind of in real time by means of the schematic diagram of refund system 300 depicted in some embodiments of the invention.Similar to Fig. 1's borrows refund system 100 in real time, borrows refund system 300 to include electronic installation 310, first server 320 and second in real time Server 330.In addition, borrowing refund system 300 also to include the 3rd server 340 and the 4th server 350 in real time.In some realities Apply in example, the 3rd server 340 is the server of financial and monetary company.
For Fig. 3 examples, the financial card of the financial card of A banks or D banks can be inserted electronic installation 310 by user Card-reading apparatus in.In certain embodiments, electronic installation 310 can be for example personal desktop's computer, and card-reading apparatus can example Calculating punch in this way.After financial card is inserted into card-reading apparatus, user can connect by Internet bank's operation of operation A banks Mouth is so that electronic installation 310 is online to the first server 320 of A banks.Then, electronic installation 310 can be by the silver of financial card Row information b1 is sent to first server 320.Then, first server 320 will determine that financial card bank information b1 whether Meet the affiliated bank of underwriting account.That is, first server 320 will determine that whether the bank information b1 of financial card is right Should be in the affiliated bank (A banks) of first server 120.
If the financial card for inserting card-reading apparatus is the financial card of A banks, first server 320 will determine that out that bank believes Breath b1 corresponds to A banks.Then, first server 320 will be online to second server 330.And user can be in user interface 312 Upper selection refund service option, so that electronic installation 310 sends out the request R2 that refunds and gives first server 320.First server 320 Submitting refund notice N2 is given into second server 330 after receiving refund request R2, refund program is carried out with using insurance account.
If the financial card for inserting card-reading apparatus is the financial card of D banks, first server 320 will determine that out that bank believes Breath b1 corresponds to D banks.In this way, first server 320 is by concurrent connections to the server 340 of second server 330 and the 3rd, The 3rd server 340 is sent to by bank information b1.3rd server 340 will judge financial card according to bank information b1 Affiliated bank, parallel machine to the 4th server 350 for corresponding to bank information b1, with through the collaboration of the 4th server 350 the Two servers 330 carry out refund program.For example, if the 3rd server 340 judges that the affiliated bank of financial card is D silver OK, the 3rd server 340 will be online to the 4th server 350 of D banks.In this way, user can be from the account of D banks to A silver Capable insurance account carries out refund program.
Fig. 4 is the step of borrowing repayment method 400 in real time according to the one kind depicted in some embodiments of the invention flow chart.With Lower above-mentioned steps are illustrated by means of refund system 100 in real time by the Fig. 1 that arranges in pairs or groups, but be not limited.
In step S402, the request R1 or request R2 that refunds that borrows money is sent out by electronic installation 110.In step s 404, The loaning bill request R1 from electronic installation 110 is received by first server 120 or the request R2 that refunds.In step S406, if First server 120 in step S404 receives loaning bill request R1, sends out to borrow money by first server 120 and notifies that N1 gives the Two servers 130.In step S408, if second server 130 receives loaning bill and notifies N1, determined by second server 130 The relative importance value for determining the relatively low declaration form data of interest rate is higher than the relative importance value of interest rate declaration form data higher.In step S410, when it In two declaration form data interest rate it is identical when, being determined by second server 130 can a debit balance volume larger wherein declaration form data Relative importance value higher than can the less another declaration form data of debit balance volume relative importance value.In step S412, if in step S404 first Server 120 receives refund request R2, sends out refund notice N2 by first server 120 and gives second server 130.In step In rapid S414, if second server 130 receives refund notice N2, interest rate declaration form higher is determined by second server 130 The relative importance value of the relative importance value of the data declaration form data relatively low higher than interest rate.In step S416, when the profit of wherein two declaration form data When rate is identical, by second server 130 determine can the less wherein declaration form data of debit balance volume relative importance value higher than can debit balance The relative importance value of volume another declaration form data higher.
In sum, through an above-mentioned embodiment is applied, user can be borrowed money and/or be refunded to bank in real time, And system automatically will carry out the sequence of relative importance value according to the interest rate of declaration form data, and then lifted and borrowed money and/or refund program Convenience.
Although the present invention is disclosed as above with implementation method, so it is not limited to the present invention, any this area it is general Logical technical staff, without departing from the spirit and scope of the present invention, when various variations and retouching, therefore protection of the invention can be made Scope ought be defined depending on the appended claims person of defining.

Claims (10)

1. it is a kind of to borrow refund system in real time, it is characterised in that this is included by means of refund system in real time:
One electronic installation, is used to send out refunded corresponding to a loaning bill request of a underwriting account or one and asks, wherein the insurance account Family corresponds to complex declaration form data, and each of those declaration form data corresponds respectively to an interest rate;
One first server, it is online with the electronic installation and logical to send out a loaning bill according to loaning bill request or refund request Know or a refund notice;And
One second server, it is online with the first server and to notified according to the loaning bill or one of the refund notice with And those interest rates determine the relative importance value of those declaration form data.
2. it is as claimed in claim 1 to borrow refund system in real time, it is characterised in that wherein to be borrowed when the second server receives this When money is notified, the second server determines the excellent of the relative importance value of the relatively low declaration form data of the interest rate declaration form data higher higher than interest rate First spend.
3. it is as claimed in claim 2 to borrow refund system in real time, it is characterised in that wherein each of those declaration form data is also Correspond respectively to one can debit balance volume, when the interest rate of the wherein two declaration form data of those declaration form data is identical, the second service Device determine can the larger wherein declaration form data of debit balance volume relative importance value higher than can the less another declaration form data of debit balance volume it is excellent First spend.
4. it is as claimed in claim 1 to borrow refund system in real time, it is characterised in that wherein when the second server receives this also When money is notified, the second server determines the excellent of the relative importance value of the interest rate declaration form data higher declaration form data relatively low higher than interest rate First spend.
5. it is as claimed in claim 4 to borrow refund system in real time, it is characterised in that wherein each of those declaration form data is also Correspond respectively to one can debit balance volume, receive the refund notice and when wherein the two of those declaration form data when the second server When the interest rate of declaration form data is identical, the second server determine can the relative importance value of the less wherein declaration form data of debit balance volume be higher than Can the larger another declaration form data of debit balance volume relative importance value.
6. it is as claimed in claim 1 to borrow refund system in real time, it is characterised in that this is also included by means of refund system in real time:
One the 3rd server, is used to receive loaning bill request and the bank information according to a financial card is online to corresponding to should The first server of bank information, so that the first server sends out the loaning bill and notifies to give the second server,
Wherein the electronic installation is online to the 3rd server through an ATM operate interface.
7. it is as claimed in claim 1 to borrow refund system in real time, it is characterised in that this is also included by means of refund system in real time:
One the 3rd server, the first server is used to receive refund request and according to the bank information connection of a financial card Machine to the 3rd server, the 3rd server is online to one the 4th service corresponding to the bank information according to the bank information Device, so that the 4th server cooperates with the second server to carry out refund program,
Wherein the electronic installation is online to the first server through Internet bank's operate interface.
8. it is a kind of to borrow repayment method in real time, it is characterised in that this is included by means of repayment method in real time:
The loaning bill request or a refund request corresponding to a underwriting account, the wherein underwriting account are sent out by an electronic installation Corresponding to complex declaration form data, each of those declaration form data corresponds respectively to an interest rate;
A loaning bill is sent out by a first server according to loaning bill request to notify or a refund notice;
When the second server receives the loaning bill to be notified, the relatively low declaration form data of interest rate are determined by the second server The relative importance value of the relative importance value declaration form data higher higher than interest rate;And
When the second server receives the refund notice, interest rate declaration form data higher are determined by the second server The relative importance value of the relative importance value declaration form data relatively low higher than interest rate.
9. it is as claimed in claim 8 a kind of in real time by means of repayment method, it is characterised in that wherein those declaration form data is each Person also correspond respectively to one can debit balance volume, this is also included by means of repayment method in real time:
When the second server receive the loaning bill notify and wherein two declaration form data when those declaration form data interest rate phase Meanwhile, by the second server determine can the larger wherein declaration form data of debit balance volume relative importance value higher than can debit balance volume it is smaller Another declaration form data relative importance value.
10. it is as claimed in claim 9 a kind of in real time by means of repayment method, it is characterised in that wherein those declaration form data is every One also correspond respectively to one can debit balance volume, this is also included by means of repayment method in real time:
When the second server receives the interest rate phase of the refund notice and wherein two declaration form data when those declaration form data Meanwhile, by the second server determine can the less wherein declaration form data of debit balance volume relative importance value higher than can debit balance volume it is larger Another declaration form data relative importance value.
CN201710076952.5A 2016-05-12 2017-02-13 Real-time borrowing and repaying system and method Pending CN106886943A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TW105206905U TWM530999U (en) 2016-05-12 2016-05-12 Real-time system for loan and repayment
TW105206905 2016-05-12

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CN108416680A (en) * 2017-11-28 2018-08-17 中国平安财产保险股份有限公司 Declaration form pays for allocator and terminal device first
CN109584033A (en) * 2017-09-28 2019-04-05 平安普惠企业管理有限公司 To public repayment method, device, equipment and computer readable storage medium

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Publication number Priority date Publication date Assignee Title
CN109584033A (en) * 2017-09-28 2019-04-05 平安普惠企业管理有限公司 To public repayment method, device, equipment and computer readable storage medium
CN108416680A (en) * 2017-11-28 2018-08-17 中国平安财产保险股份有限公司 Declaration form pays for allocator and terminal device first

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Application publication date: 20170623