201137784 六、發明說明： 【發明所屬之技術領域】 本發明係有關於一種貸款管理方法，特別是有關於一 種結合行動通訊系統之貸款管理方法。 【先前技術】 隨著社會的進步，個人與企業對於資金周轉的需求， 與時遽增。信用貸款的出現，說明了人們重視信用，這對 於提高人們對信用的重視，無疑具有劃時代的意義。對於 一個先進的社會，信用的約束力必須大幅的提高，以提升 個人與企業的信用，常言說得好：“人無信不立”。 一般而言，銀行和社會可能都擔心信用貸款的風險， 其實這是一體兩面的。如何能有效的管理個人與企業的信 用，並使得金融機構進行借貸時的風險降低，不僅可以有 效地增加金融機構的放款利潤，更可以降低個人或企業借 貸的利息。 有鑑於此，目前台灣已成立了財團法人金融聯合徵信 中心（以下簡稱聯徵中心），以作為金融信用資訊中心，會 員金融機構如欲經由該中心查詢當事人信用資料，除須取 得當事人書面同意及符合授信特定目的外，並應遵守電腦 處理個人資料保護法對於個人資料保護之相關規定，以及 該中心會員規約之規範。 此外，在中國，在中國國務院的領導下，由中國人民 銀行組織各商業銀行建立的個人信用資訊共用平臺。該數 據庫採集、整理、保存個人信用資訊，為金融機構提供個 201137784 人信用狀況查詢服務，為貨幣政策和金融監管提供有關資 訊服務。 相同地，為保護個人和金融機構的權益，金融機構亦 需經當事人授權，在審核個人貸款、信用卡申請或審核是 否接受個人作為擔保人等個人信貸業務，以及對已發放的 個人貸款及信用卡進行信用風險跟蹤管理，才能查詢個人 信用資訊基礎數據庫。 這樣的防範機制，最主要乃在於保護個人信用資訊， • 並同時兼顧金融機構徵信之需求。然而，隨著社會日益的 進步，小至申辦信用卡與小額信貸，大至於購屋或買車的 貸款。繁複的徵信工作，浪費了社會的資源，同時降低了 貸款的時效性。因此，如何能加速並提供安全的徵信機制， 同時亦能提升個人進行貸款時的效率，實有必要提出一種 新的貸款管理方法。 【發明内容】 • 鑒於上述之先前技術中所述，由於個人貸款時，仍須 經過繁複的徵信工作，不僅浪費了社會的資源，同時降低 了貸款的時效性。 本發明之目的之一，係提供一種結合行動通訊系統之 貸款管理方法，不僅可提升個人進行貸款時的效率，同時 達到保護個人信用資訊，且兼顧金融機構徵信之需求。 根據以上所述之目的，本發明係揭露一種結合行動通 訊系統之貸款管理方法，以方便行動電話用戶端藉由電信 業者向金融業者進行貸款。此結合行動通訊系統之貸款管 201137784 理方法包含有下列步驟： 首先，提供一行動電話申請融資模組，包含有身分確 認作業以確認該行動電話用戶端的身分、選擇一金融業 者，以及選擇一貸款產品。其中，身分確認作業至少包含 傳送一行動電話簽名給該電信業者。然後，提供一借款作 業模組，其包含信用資訊調閱作業以確保該行動電話用戶 端的信用狀況。提供一行動電話信用模組，以輸入行動電 話用戶端的一信用資料，並傳送給金融業者。提供一徵信 Φ 管理模組，根據行動電話信用模組所傳送之信用資料，決 定一貸款額度與一利率。提供一帳務管理模組，以撥款該 行動電話用戶。 其中上述之行動電話信用模組更包含有利用全球衛星 定位系統(Global Positioning System ; GPS)，進行行動電話 用戶端之公司地點確認以及住宅地點確認。而上述之信用 資料則可以包含有行動電話用戶端的公司名稱、工作職稱 以及年收入，並將薪資憑證或扣繳憑單拍照，以多媒體簡 ^ 訊服務(multimedia messaging service ; MMS)傳遞至金融業 者。而上述之信用資料更可以包含行動電話型號、資話、 繳款紀錄以及通話費用。 此外，上述之身分確認作業更可以包含輸入認證碼， 該認證碼包含身分證字號、生日、家裡電話或其他認證資 料；或可由電信業者提供一密碼。本發明之結合行動通訊 系統之貸款管理方法，更可以提供一行動電話保證模組， 其包含有輸入保證人之電話號碼、發送一身分確認憑證、 進行保證人之身分確認作業並利用全球衛星定位系統進行 201137784 保證人之公司地點與住宅地點確認。 其中上述之提供一行動電話保證模組，更可以要求讀 保證人於該電信業者申請一行動電話。 本發明之結合行動通訊系統之貸款管理方法，更包含 有提供一行動電話帳務模組，於一定的期間内，定期要求 行動電話用戶端進行還款，並可以設定在輸入一密碼後， 由一指定的帳戶轉帳至金融業者所指定的一還款帳戶。 因此’藉由本發明之結合行動通訊系統之貸款管理方 • 法，不僅可有效地提升個人進行貸款時的效率，同時亦能 達到保護個人信用資訊，並兼顧金融機構徵信之需求。本 發明更可藉由行動電話提出貸款的需求，亦進行身份確 認，同時比對貸款人的身分與本人簽名，以調閱個人信用 報告。此外’本發明可藉由行動電話的全球衛星定位系統， 更進一步針對貸款人的身分確認，亦可藉由行動電話的通 訊信號與全球衛星定位系統的定位功能，方便貸款人進行 信用確認，且可更進一步確保其人身可自由行動，無安全 顧慮。 【實施方式】 本發明係揭露一種結合行動通訊系統之貸款管理方 法，可有效地提升個人進行貸款時的效率，同時亦能達到 保護個人信用資訊’且兼顧金融機構徵信之需求。以下將 以圖示及詳細說明清楚說明本發明之精神，如熟悉此技術 之人員在瞭解本發明之較佳實施例後，當可由本發明所教 示之技術’加以改變及修飾，其並不脫離本發明之精神與 201137784 範圍。 參閱第1圖，其係繪示本發明之結合行動通訊系統之 貸款管理方法之示意圖。如圖所示，本發明之結合行動通 訊系統之貸款管理方法’主要是結合行動電話用戶端102、 電信業者104以及金融業者1〇6，以行動電話向電信業者 104提出貸款的需求，並經由行動電話用戶端輸入的 資料確認行動電話用戶端102真實身份，再經由電信業者 104比對行動電話用戶端1〇2申請行動電話時所登錄的資 φ 料’特別是比對本人的簽名後，確認行動電話用戶端102 真實身份後，將貸款的需求與相關簽名檔傳送飨金融業者 106 ’以進一步向相關的個人信用資訊單位，例如是台灣的 財團法人金融聯合徵信中心（以下簡稱聯徵中心）或者是 中國的個人信用資訊共用平臺，以調閱個人信用報告。本 發明之結合行動通訊系統之貸款管理方法更可以再藉由行 動電話的GPS定位功能’更進一步針對行動電話用戶端102 進行身分的確認’以確保行動電話用戶端1〇2真實身份。 • 首先當行動電話用戶端102欲申請貸款，例如是小額 的信用貸款，可先利用行動電話申請融資模組11〇向電信 業者104提出申請。同時參閱第2圖與第3圖，此時，需 先進行步驟210的身份確認作業，身份確認作業而更包含 有步驟310 :輸入認證碼，例如是輸入身分證字號/生日（年 月/曰）豕裡電話或電仏業者所提供之密碼等認證資料。 =著’步驟320 :進行行動電話簽名並傳送至電信業者 ;、後命，仏業者1〇4根據所傳送來的認證碼及行動電 § 、仃動電話用戶申請時所保存的相關資料進行比 201137784 對，以進行認證，步驟330。若是正確，則可確定行動電 話用戶端102確實為原電話申請人，故可成功核定身分， 步驟340。然而，若是資料不符則將被認定係他人冒用， 而無法繼續進行後續的貸款流程。 當身分確認作業無誤後，進入步驟220，行動電話用 戶端102進一步選擇所需的借款銀行或信貸提供者。然 後’步驟230 ’選擇所需貸款產品，例如是貸款的額度與 還款的期數等資料。這些相關的資料將會進一步經由電作 • 業者1〇4 ’較佳地以加密資料傳遞給金融業者1〇6，步驟 240，然並不限定於此。 當金融業者106收到這些加密的資料之後，則藉由經 過電信業者104認證過的行動電話用戶端102的資料包含 簽名資料’向相關的個人信用資訊單位，例如是台灣的財 團法人金融聯合徵信中心（以下簡稱聯徵中心）或者是中 國的個人信用資訊共用平臺，調閱個人信用報告，步驟 250。其中，有關於同意向相關的個人信用資訊單位調閱個 φ 人信用報告的同意書’行動電話用戶可於申請行動電話 時’即先簽署，待收到經由行動電話用戶端1〇2所傳送至 電信業者104之認證碼及/或行動電話簽名後，即可根據需 求傳遞給指定的金融業者106’以向相關的個人信用資訊 單位調閱個人信用報告。亦或者是於需要貸款時，再由行 動電話用戶端102傳送認證碼及行動電話簽名至電信業者 104 ’之後再根據需求傳遞給指定的金融業者106，具以向 相關的個人信用資訊單位調閱個人信用報告。 此時，金融業者106的借款作業模組120，根據由相 201137784 關的個人信用資訊單位調閱個人信用報告，確認客戶产用 狀況，步驟260’並在信用正常後，完成身分確認和申°請 作業，步驟270。 當借款作業模組120完成確認後，接著金融業者ι〇6 進一步通知行動電話用戶端102，以進行更進一步的信用 與保證的確認。此時，行動電話用戶端1〇2的行動電話信 用模組與行動電話保證模組13〇,將接獲由金融業者1⑽ 透過電信業者104所傳來的訊息，以進一步確認行動電話 •用戶端102的資訊正確無誤，以有效地保證將來還款的能 力與信用。 參閱第4圖，行動電話信用模組與行動電話保證模組 130之行動電話信用模組可以由步驟41〇至步驟44〇任一 項或全部的組合，較佳地至少包含步驟43〇至步驟44〇， 以有效地確認行動電話用戶端1〇2的工作與住家均為正確 且可正常進出。步驟410係要求行動電話用戶端〖ο】進一 步輸入公司名稱/工作職稱/年收入，較佳地更包含進行薪資 • 憑證或扣繳憑單拍照，並以多媒體簡訊服#(multimedia messaging service ; MMS)經由電信業者1〇4傳遞至金融業 者106。而步驟420則係要求行動電話用戶端1 〇2進一步 地輸入行動電話信用資料’以及行為資料，例如是行動電 話型號、資話、繳款紀錄或通話費用等資料，並經由電信 業者104確認過，傳遞至金融業者1〇6。 步驟430與步驟440，則係要求行動電話用戶端1〇2 在工作所在地與住宅所在地，以行動電話與全球衛星定位 系統(Global Positioning System ; GPS)定位痛認其可自由的 201137784 進出工作地點與住宅地點，如此不僅可進一步確認其目前 工作與住家均正確，且可更進一步確保其人身可自由行 動’以減少安全顧慮。當所需的資料均透過電信業者1〇4 傳送至金融業者106後，金融業者106根據所傳送來的資 料進行徵信管理模組14〇的信用評核作業，步驟450 ;額 度和利率確認作業’步驟46〇 ;以及通過徵信，以完成核 準作業，步驟470。 進一步參閱第5圖，行動電話信用模組與行動電話保 • 證模組130中的行動電話保證模組，則是在需進行保證人 確認時才需啟動，若該筆貸款無需保證人，則亦可無需啟 動行動電話保證模組。當進行行動電話保證模組時，行動 電話用戶端102首先以行動電話輸入所需保證人和其電話 號碼，步驟510。接著進入步驟52〇,電信業者ι〇4發送身 分確認憑證給保證人的行動電話，此時若是保證人的行動 電話係與行動電話用戶端1〇2所使用不同之電信業者，則 保證人需先申請與行動電話用戶端102相同之電信業者的 φ 門號’亦即步驟530 ’並同時進行身分確認作業。若保證 人的行動電與行動電話用戶端1〇2使用相同之電信業者， 則保證人可立即進行身分確認作業。此身分確認作業與前 述之第3圖的作業採相同的方式進行，而所需輸入的認證 碼’較佳地即為電信業者104發送給保證人行動電話的身 分確認憑證。接著，保證人需進行如第4圖之行動電話信 用模組，以確s忍其相關資料是否正確，與其工作地點與住 宅地點的正確性。 當完成所需的行動電話信用模組與行動電話保證模組 11 201137784 130後，相關的資料傳遞至金融業者106的徵信管理模組 140，進行保證評核作業，步驟550。當全部的資料均被確 認過後，即可完成保證人信用確認，步驟560。 回到第1圖’接著進入金融業者106的帳務管理模組 150’在金融業者106確認行動電話用戶端1〇2的信用資料 等均無誤後’即可進行撥款，並藉由電信業者1〇4將匯款 資料傳送至行動電話用戶端102的帳務模組16〇，例如是201137784 VI. Description of the Invention: TECHNICAL FIELD OF THE INVENTION The present invention relates to a loan management method, and more particularly to a loan management method incorporating a mobile communication system. [Prior Art] With the advancement of society, the demand for capital turnover by individuals and businesses has increased. The emergence of credit loans shows that people attach importance to credit, which is undoubtedly of epoch-making significance for raising people's attention to credit. For an advanced society, the binding force of credit must be greatly improved to enhance the credit of individuals and enterprises. It is often said that “people do not believe or not”. In general, banks and society may be concerned about the risks of credit loans. In fact, this is a two-pronged one. How to effectively manage the trust of individuals and businesses, and reduce the risk of financial institutions when borrowing, not only can effectively increase the lending profits of financial institutions, but also reduce the interest of individuals or corporate loans. In view of this, at present, Taiwan has established a Financial Joint Credit Information Center (hereinafter referred to as the Linkage Center) as a financial credit information center. If a member financial institution wants to inquire about the credit information of the party through the center, in addition to obtaining the written consent of the parties. And in accordance with the specific purpose of credit, and should comply with the relevant provisions of the Personal Data Protection Act on the protection of personal data, as well as the specifications of the membership rules of the Center. In addition, in China, under the leadership of the State Council of China, the People's Bank of China organizes a personal credit information sharing platform established by various commercial banks. The database collects, organizes and stores personal credit information, and provides financial institutions with a 201137784 credit status inquiry service to provide relevant information services for monetary policy and financial supervision. Similarly, in order to protect the rights of individuals and financial institutions, financial institutions are also required to authorize individuals to review personal loans, credit card applications or to review whether to accept personal credit services such as individuals as guarantors, and to issue personal loans and credit cards. Credit risk tracking management can query the personal credit information basic database. The main reason for such a prevention mechanism is to protect personal credit information, and at the same time take into account the needs of financial institutions for credit reporting. However, with the increasing progress of society, as small as bidding for credit cards and micro-credits, as much as loans for buying or buying a car. The complicated credit investigation work wastes the resources of the society and reduces the timeliness of the loan. Therefore, how to speed up and provide a secure credit mechanism can also improve the efficiency of individuals when making loans. It is necessary to propose a new loan management method. SUMMARY OF THE INVENTION • In view of the above-mentioned prior art, since the personal loan is still required to undergo complicated credit investigation work, not only the social resources are wasted, but also the timeliness of the loan is reduced. One of the objects of the present invention is to provide a loan management method in combination with a mobile communication system, which not only improves the efficiency of an individual when making a loan, but also protects personal credit information, and takes into account the needs of financial institutions for credit reporting. In light of the foregoing, the present invention discloses a loan management method incorporating a mobile communication system to facilitate a mobile phone user to make a loan to a financial provider by a telecommunications operator. The loan management method of the mobile communication system 201137784 includes the following steps: First, a mobile phone application financing module is provided, which includes an identity confirmation operation to confirm the identity of the mobile phone user terminal, select a financial provider, and select a loan. product. Wherein, the identity verification operation includes at least transmitting a mobile phone signature to the operator. Then, a loan job module is provided that includes a credit information review operation to ensure the credit status of the mobile phone user. A mobile phone credit module is provided for inputting a credit data of the mobile phone user terminal and transmitting it to the financial institution. Provide a credit Φ management module to determine a loan amount and an interest rate based on the credit information transmitted by the mobile phone credit module. A billing management module is provided to fund the mobile phone user. The above-mentioned mobile phone credit module further includes a global positioning system (GPS), a company location confirmation of the mobile phone user terminal, and a residential location confirmation. The credit information mentioned above may include the company name, job title and annual income of the mobile phone user, and the salary certificate or withholding voucher will be photographed and transmitted to the financial player by multimedia messaging service (MMS). The above credit information can also include mobile phone models, financial statements, payment records and call charges. In addition, the above-mentioned identity confirmation operation may further include inputting an authentication code including an identity card number, a birthday, a home phone or other authentication material; or a password may be provided by a telecommunications provider. The loan management method of the mobile communication system of the present invention further provides a mobile phone guarantee module, which includes a phone number of the input guarantor, sends a confirmation voucher, performs the guarantor's identity confirmation operation, and performs the global satellite positioning system. 201137784 The company location of the guarantor is confirmed with the residential location. The above provides a mobile phone guarantee module, and may further require the read guarantor to apply for a mobile phone at the carrier. The loan management method of the mobile communication system of the present invention further comprises providing a mobile phone account module, and periodically requesting the mobile phone user to perform repayment within a certain period of time, and can be set after inputting a password. A designated account is transferred to a repayment account designated by the financier. Therefore, the loan management method combined with the mobile communication system of the present invention can not only effectively improve the efficiency of the individual in making loans, but also achieve the protection of personal credit information and the needs of financial institutions for credit reporting. The invention can also make a loan request by mobile phone, and also confirm the identity, and compare the identity of the lender with the person to sign the personal credit report. In addition, the present invention can further confirm the identity of the lender by using the global positioning system of the mobile phone, and can also facilitate the credit card confirmation by the lender through the communication signal of the mobile phone and the positioning function of the global satellite positioning system, and It can further ensure that people are free to move and have no security concerns. [Embodiment] The present invention discloses a loan management method combined with a mobile communication system, which can effectively improve the efficiency of an individual when making a loan, and at the same time, can also achieve the protection of personal credit information' and the demand for financial institution credit information. The spirit and scope of the present invention will be apparent from the following description of the preferred embodiments of the invention. The spirit of the invention is in the scope of 201137784. Referring to Figure 1, there is shown a schematic diagram of a loan management method for a mobile communication system in accordance with the present invention. As shown in the figure, the loan management method of the present invention in conjunction with the mobile communication system is mainly a combination of the mobile phone user 102, the carrier 104, and the financial provider 1-6 to make a request for a loan to the carrier 104 by the mobile phone, and via The data input by the mobile phone client confirms the real identity of the mobile phone client 102, and then the carrier logged in when the mobile phone user 1 is used to compare the mobile phone client 1 〇 2 to register the mobile phone, especially after comparing the signature of the mobile phone client. After confirming the real identity of the mobile phone client 102, the demand for the loan and the relevant signature file are transmitted to the financial institution 106' to further relate to the relevant personal credit information unit, for example, the Taiwan Financial Association Credit Information Center (hereinafter referred to as the joint sign) Center) or China's personal credit information sharing platform to access personal credit reports. The loan management method of the present invention combined with the mobile communication system can be further enhanced by the GPS positioning function of the mobile phone to further confirm the identity of the mobile phone client 102 to ensure the real identity of the mobile phone client. • First, when the mobile phone client 102 wants to apply for a loan, such as a small credit loan, it can first apply to the telecommunications operator 104 by using the mobile phone to apply for the financing module. Referring to FIG. 2 and FIG. 3 at the same time, in this case, the identity confirmation operation of step 210 needs to be performed first, and the identity confirmation operation further includes step 310: inputting an authentication code, for example, inputting an identity card number/birthday (year/month/曰) ) Certified information such as passwords provided by telephone or electric operators. = 'Step 320: Perform mobile phone signature and transmit to the telecom operator; and then, the operator 1〇4 compares the transmitted authentication code and the mobile phone §, and the related data saved when the phone user applies. 201137784 Yes, for authentication, step 330. If it is correct, it can be determined that the mobile phone client 102 is indeed the original telephone applicant, so the identity can be successfully verified, step 340. However, if the information does not match, it will be deemed to be fraudulent, and the subsequent loan process cannot be continued. When the identity confirmation operation is correct, the process proceeds to step 220 where the mobile phone user 102 further selects the desired borrowing bank or credit provider. Then, 'Step 230' selects the required loan product, such as the amount of the loan and the number of repayments. These related materials will be further transmitted to the financial industry by means of the electronic device 1 〇 4 ', preferably step 240, which is not limited thereto. After the financial provider 106 receives the encrypted data, the data of the mobile phone client 102 authenticated by the carrier 104 includes the signature data 'to the relevant personal credit information unit, for example, the financial association of the Taiwanese corporation. The letter center (hereinafter referred to as the Link Center) or China's personal credit information sharing platform, access to the personal credit report, step 250. Among them, there is a consent form for agreeing to read the φ person credit report to the relevant personal credit information unit. 'The mobile phone user can sign the mobile phone when applying for a mobile phone', and the first time it is signed, the message is received by the mobile phone terminal 1〇2. After the authentication code and/or mobile phone number of the carrier 104 is signed, the designated financial institution 106' can be transmitted to the relevant personal credit information unit according to the demand. Or when the loan is needed, the mobile phone client 102 transmits the authentication code and the mobile phone signature to the carrier 104' and then transmits it to the designated financial institution 106 according to the demand, so as to be referred to the relevant personal credit information unit. Personal credit report. At this time, the borrowing operation module 120 of the financial provider 106 reads the personal credit report according to the personal credit information unit closed by the phase 201137784, confirms the customer's production status, and steps 260' and completes the identity confirmation and application after the credit is normal. Please homework, step 270. After the loan operation module 120 completes the confirmation, the financial provider ι〇6 further notifies the mobile phone client 102 to perform further credit and guarantee confirmation. At this time, the mobile phone credit module and the mobile phone guarantee module 13 of the mobile phone client 1 〇 2 will receive the message transmitted by the financial operator 1 (10) through the telecommunication operator 104 to further confirm the mobile phone and the client terminal. The information of 102 is correct, so as to effectively guarantee the ability and credit of future repayment. Referring to FIG. 4, the mobile phone credit module of the mobile phone credit module and the mobile phone assurance module 130 may be combined with any one or all of steps 41 to 44, preferably at least step 43 to step 44〇, to effectively confirm that the mobile phone client 1〇2 work and home are correct and can enter and exit normally. Step 410 requires the mobile phone client to further input the company name/job title/annual income, preferably further including taking a salary/voucher or withholding voucher to take a photo, and using multimedia messaging service (MMS). Transferred to the financial industry 106 via the telecommunications operator 1.4. Step 420 requires the mobile phone client 1 〇 2 to further input the mobile phone credit data 'and behavior data, such as a mobile phone model, a capital message, a payment record or a call fee, and is confirmed by the carrier 104. , passed to the financial industry 1〇6. Steps 430 and 440, the mobile phone user terminal 1〇2 is required to be in the working location and the residential location, and the mobile phone and the Global Positioning System (GPS) are positioned to recognize the free access to the work place and the 201137784. The location of the residence, not only can further confirm that the current work and home are correct, and can further ensure that their personal freedom of action 'to reduce security concerns. After the required information is transmitted to the financial institution 106 through the carrier 1〇4, the financial provider 106 performs the credit evaluation operation of the credit management module 14〇 according to the transmitted information, step 450; quota and interest rate confirmation operation 'Step 46〇; and by crediting to complete the approved job, step 470. Referring further to FIG. 5, the mobile phone security module and the mobile phone security module in the mobile phone security module 130 are activated only when the guarantor needs to be confirmed, and if the loan does not require a guarantor, There is no need to activate the mobile phone assurance module. When the mobile phone assurance module is in place, the mobile phone client 102 first enters the desired guarantor and its telephone number as a mobile telephone, step 510. Then, proceeding to step 52, the carrier ι〇4 sends the identity confirmation voucher to the guarantor's mobile phone. If the guarantor's mobile phone system is different from the mobile phone user terminal 〇2, the guarantor needs to apply first. The telephone number of the same carrier of the mobile telephone client 102 is 'step 530' and the identity confirmation operation is performed at the same time. If the guarantor's mobile phone and the mobile phone client 1 〇 2 use the same carrier, the guarantor can immediately perform the identity verification operation. This identity confirmation operation is performed in the same manner as the operation of Fig. 3 described above, and the authentication code 'required' is preferably the identity confirmation voucher sent by the carrier 104 to the sponsor mobile phone. Next, the guarantor needs to perform the mobile phone call module as shown in Figure 4 to ensure that the relevant information is correct and correct with the location of the work place and the location of the home. After the required mobile phone credit module and mobile phone guarantee module 11 201137784 130 is completed, the relevant information is transmitted to the credit management module 140 of the financial operator 106 to perform a guarantee evaluation operation, step 550. Once all of the information has been confirmed, the guarantor credit confirmation can be completed, step 560. Returning to Fig. 1 , the accounting management module 150 of the financial institution 106 then proceeds to the financial institution 106 after confirming that the credit information of the mobile phone client 1〇2 is correct, and the grant can be made by the carrier 1 〇4 transferring the remittance data to the account module 16 of the mobile phone client 102, for example
匯款至行動電話用戶端1〇2所指定的銀行帳號的時間與金 額。而帳務管理模組150與帳務模組16〇更包含於一定的 期間内定期要求進行還款的功能。例如是定期由帳務管理 模組150發出通知給行動電話用戶端1〇2的帳務模組16〇, 以提醒還款。或者是由帳務模組16〇自動於一定的期間内 定期要求行動電話用戶端1〇2進行還款。 帳務模組160更可包含，藉由行動電話在行動電話用 戶端102輸入正確的密碼的方式下，要求一指定的帳戶轉 帳至金融業者106所指定的還款帳戶的功能，其亦不脫離 本發明之精神與。喊務管理模組15G敎可以包含 =錄f次還款的金額與時間，並於全部的貸款缴款完成 傻，通知行動電話用戶端1〇2已還款完成。 因此，藉由本發明之結合行動通訊系統之贷款管理 不僅可有效地提升個人進行貸款時的效率，同時亦 信用資訊’並兼顧金融機構徵信之需求。 、、’"σ行動通訊系統之貸款管理方法更可_由行動 電；2款的需求’並經由行動電話確認身份：亦可藉 。業者ΐ請行動電話時所登錄的資料，比對貸款人的 12 201137784 分與本人簽名，以進一步向相關的個人信用資訊單位，調 閱個人信用報告。此外，本發明之結合行動通訊系統之貸 款管理方法更可以再藉由行動電話的GPS定位功能，更進 一步針對貸款人進行身分的確認，以確保真實身份。同時 經由行動電話通知貸款人撥款與還款事宜，更可以進行保 證人的對保程序。因此，貸款人可無需親赴金融業者的辦 事處，即可透過行動電話申請貸款，並匯入至指定的銀行 帳戶。同時，藉由行動電話的通訊信號與GPS定位的功能， 貸款人可依正常工作的路程，直接在工作地點與住宅地 點，進行位置確認，以進一步確認其目前工作與住家均正 確，且可更進一步確保其人身可自由行動，而無安全顧慮。 如熟悉此技術之人員所瞭解的，以上所述僅為本發明 之較佳實施例而已，並非用以限定本發明之申請專利範 圍。凡其它未脫離本發明所揭示之精神下所完成之等效改 變或修飾，均應包含在下述之申請專利範圍内。 【圖式簡單說明】 為讓本發明之上述和其他目的、特徵、優點與實施例 能更明顯易懂，所附圖式之說明如下： 第1圖係為本發明之結合行動通訊系統之貸款管理方 法之示意圖； 第2圖係為第1圖之行動電話申請融資模組與借款作 業模組之不意圖， 第3圖係為第2圖之身分確認作業之示意圖； 第4圖係為第1圖之行動電話信用模組與徵信管理模 13 201137784 組之示意圖；以及 第5圖係為第1圖之行動電話保證模組與徵信管理模 組之示意圖。 【主要元件符號說明】 102 :行動電話用戶端 140 :徵信管理模組 104 :電信業者 150 :帳務管理模組 106 :金融業者 160 :帳務模組The time and amount of money sent to the bank account specified by the mobile phone client 1〇2. The account management module 150 and the account management module 16 further include a function of periodically requesting repayment within a certain period of time. For example, the account management module 150 periodically issues a notification to the account module 16〇 of the mobile phone client 1〇2 to remind the payment. Alternatively, the account module 16 automatically requests the mobile phone client 1〇2 to repay the payment periodically for a certain period of time. The account module 160 may further include a function of requesting a designated account transfer to the repayment account designated by the financial institution 106 by means of the mobile phone entering the correct password at the mobile phone user 102, which is not separated from The spirit of the present invention is as follows. The call management module 15G敎 can include the amount and time of the repayment of the f repayment, and the completion of all the loan contributions is silly, and the mobile phone user terminal 1〇2 has been repaid. Therefore, the loan management combined with the mobile communication system of the present invention can not only effectively improve the efficiency of the individual when making a loan, but also the credit information' and take into account the demand of the financial institution for credit reporting. , and the '"σ mobile communication system's loan management method is more _ by mobile phone; 2 demand' and confirmed by mobile phone: can also borrow. The operator pleads with the information registered in the mobile phone to compare the lender's 12 201137784 with the signature of the person to further read the personal credit report to the relevant personal credit information unit. In addition, the loan management method of the present invention combined with the mobile communication system can further confirm the identity of the lender by the GPS positioning function of the mobile phone to ensure the true identity. At the same time, the lender's appropriation and repayment can be notified via mobile phone, and the guarantee's guarantee procedure can be carried out. Therefore, the lender can apply for a loan through the mobile phone without having to go to the financial institution's office and remit it to the designated bank account. At the same time, with the communication signal and GPS positioning function of the mobile phone, the lender can confirm the location directly at the work place and the residential location according to the normal working distance, to further confirm that the current work and the home are correct, and can be more Further ensure that their bodies are free to move without security concerns. The above description is only for the preferred embodiment of the present invention, and is not intended to limit the scope of the invention. All other equivalent changes or modifications made without departing from the spirit of the invention are intended to be included within the scope of the appended claims. BRIEF DESCRIPTION OF THE DRAWINGS In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious, the description of the drawings is as follows: FIG. 1 is a loan of the present invention combined with the mobile communication system. Schematic diagram of the management method; Fig. 2 is a schematic diagram of the mobile phone application financing module and the loan operation module of Fig. 1, and Fig. 3 is a schematic diagram of the identity verification operation of Fig. 2; 1 is a schematic diagram of the mobile phone credit module and the credit management module 13 201137784; and the fifth diagram is a schematic diagram of the mobile phone assurance module and the credit management module of FIG. [Main component symbol description] 102: Mobile phone client 140: Credit management module 104: Telecom provider 150: Account management module 106: Financial operator 160: Accounting module
110 :行動電話申請融資模組210〜660 :步驟 120 :借款作業模組 130 :行動電話信用模組與行 動電話保證模組110: Mobile phone application financing module 210~660: Step 120: Borrowing operation module 130: mobile phone credit module and mobile phone guarantee module