TW201303778A - Loan method with dynamic approval of borrowing limit and its interest rate - Google Patents

Abstract

A loan method with dynamic approval of borrowing limit and its interest rate, it is to be executed in a computer server for a plurality of user end devices to carry out loan application and is connected with a credit database such that the computer server performs the following steps: first, the member Login unit of a processing module, through a communication module, is used for the user end device to enter personal data and calculates a loan amount. Then, a bid unit of the processing module is provided for the user end device to select one of the loan portfolios. After that, the bid unit is used for each user end device to input a tender command. Then, the credit line checking unit of the processing unit acquires the remaining of the line of credit from the credit database. If the remaining of the line of credit is greater than or equal to the loan amount, then the loan amount is registered. Finally, a remittance processing unit records a remittance ready message.

Description

Dynamically approved loan quota and interest rate loan method

The present invention relates to a loan method, and more particularly to a loan method for dynamically verifying a loan amount and its interest rate.

The bank's implementation of the lending business, in addition to the bank's one-sided interest rate price, must be approved before the credit is granted. Recently, banks have introduced the mechanism of traditional civil standards through the development of information technology, through a layer of review mechanism and The quota gives consumers the ability to conduct online bidding and operating deposits and borrowings within the overdraft limit, so that the financial status of the standard will be sound and the risk of reversal will be reduced. It will also allow consumers to enjoy partial price autonomy through bidding.

The Republic of China Patent Certificate No. 154239 Autonomous Credit Loan Service System and Method, No. 160266 Overdraft Control Financing Management Method, No. I231682 Network Security Standard Method and System, No. I283372 The online financing method and the online trading method and system of No. I341996 are to build a platform on a computer server and perform online labeling operations. For example, in the 1602666 overdraft control financing management method, the case is constructed on a management server and operates on the Internet through a network server. Referring to FIG. 1, the method includes: a member recruitment means 101, a dynamic credit investigation means 102, a member approval means 103, an overdraft limit control means 104, a financing group establishment means 105, a financing transaction means 106, A collection operation means 107, and a collection means 108. Among them, the member recruitment means 101 is for the user to submit a membership application. The dynamic credit investigation means 102 performs a credit investigation on the joining members, and the survey content includes at least the confirmation and change of the credit limit. The member verification means 103 determines whether to approve the membership application based on the member's credit investigation result. The overdraft limit control means 104 grants an approved overdraft limit to the member according to the result of the credit investigation, and controls whether the overdraft limit of the member exceeds the approved amount.

The management server of the above-mentioned management method is to effectively control the total unsecured debt balance of the customer and comply with the relevant authorities' laws and regulations. It must be connected at the member approval stage as indicated by the member verification means 103. The Financial Joint Credit Information Center of the Corporation has registered the credit line to protect the risks of the bank. However, this method will cause the user to enter the credit line as indicated by the financing group establishment means 105, and the credit line registered in the Financial Joint Credit Information Center of the consortium is still occupied and inflated, resulting in the user being unable to apply or Failure to apply for loans in the form of other unsecured debts in full, causing inconvenience in the use of personal funds and related investment and financial management practices.

As mentioned above, in order to avoid the user's actual use of borrowing but the credit line registered in the joint credit center is inflated, and the flexibility of the use of personal funds is increased, it is necessary to seek a solution.

Accordingly, it is an object of the present invention to provide a loan method for dynamically verifying a loan amount and its interest rate.

Therefore, the method for dynamically verifying the loan amount and the interest rate of the present invention is executed on a computer server for the plurality of user devices to perform the loan application through the Internet connection, and jointly with the financial corporation of a consortium. The connection of the credit database of the center causes the computer server to perform the following steps: First, a member registration unit of a processing module performs registration by using a communication module for each user device to input a personal data. Then, the member registration unit calculates a loan amount value corresponding to the plural according to the personal data. Moreover, the member login unit is configured to connect to each of the user device devices through the communication module. then. One of the processing modules of the processing module is used by any of the logged-in user devices to enter one of the loan combinations in the plurality of loan combinations, the loan combination having a bottom rate value, a bidding rule, and a bidding time. Furthermore, the bidding unit is configured to input, by each of the user equipments, a subscript instruction including a bidding interest rate value, and when the bidding time of the loan combination ends, determine at least one of the winning user equipments according to the bidding rule. And generate a knot message. Then, the credit limit checking unit of the processing module receives the binding information, and then connects to the credit database of the financial association of the financial association through the communication module, and the credit checking unit is based on the binding information. And the personal data transmission query request to the credit database. Then, the credit limit checking unit obtains the remaining credit limit corresponding to the personal data, and if the remaining credit limit is greater than or equal to the loan credit value, an approval message is generated, and the loan credit value is registered with the credit database. Furthermore, the remittance processing unit of the processing module receives the approval message and the binding message, and automatically records a remittance preparation message according to the closed loan combination.

The effect of the present invention is to enable the user who wants to borrow to successfully check the credit portfolio after operating the above-mentioned user-side device, and then perform the credit limit check and login work to avoid inflating and occupying the user in the joint credit center. The credit line of the login.

The above and other technical contents, features and advantages of the present invention will be apparent from the following detailed description of the preferred embodiments of the invention.

Before the present invention is described in detail, it is noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to Figures 2 and 3, a first preferred embodiment of the method for dynamically debiting a loan amount and an interest rate thereof is performed on a computer server for the plurality of user devices 2 to connect through the Internet 3 The loan application is executed and connected to the credit database 4 of the Financial Cooperation Center of the Financial Corporation (referred to as the Linkage Center). In the first preferred embodiment, the user terminal device 2 is a personal computer, a personal digital assistant, a notebook computer or a mobile device with internet access function for executing a web browser, and the user uses a web browser. Take action. The Credit Database 4 of the Linkage Center is linked to various financial institutions to provide the necessary financial information to authorized financial institutions. The computer server used in the first preferred embodiment includes a communication module 12 and a processing module 11 connected to the communication module 12. The processing module 11 includes a member registration unit 111, a bidding unit 112, a credit limit checking unit 113, and a remittance processing unit 114. As shown in step 511, the member registration unit 111 is connected to each client device 2 via a web browser. Then, as shown in step 512, if the user terminal device 2 has not been registered and cannot log in, as shown in step 513, a group of personal data is input to perform registration, wherein the personal data includes a name, an identity font, and a After the phone, a birthday, a job, an account number, and a password, each user device 2 can use the account number and the password to complete the login as shown in step 512.

In addition, as shown in step 514, the member registration unit 111 calculates a loan amount value corresponding to each of the personal data according to the personal data described above, for example, 100,000 yuan, 500,000 yuan, 1 million yuan, and the like.

After the user logs in through the user device 2, as shown in step 515, the bidding unit 112 provides a plurality of loan combinations for the user to select through the user device 2, and each loan combination has a bottom rate value, One payment period, one bidding rule and one bidding time. For example, the benchmark interest rate value of a loan portfolio is 30, which means that each borrowing is 10,000 yuan, and each period is subject to another 30 yuan interest expense. The number of payment periods can be set to 12, 18, 24, etc., but is not limited thereto. The bidding rules can have different settings, such as:

(1) The bidding rule is based on a bidding interest rate value, and is set to be the highest bidding interest rate value but not limited to one user device 2 to win the bank profit.

(2) The bidding rule is set as the bid for the user-side device 2 that proposes the higher bidding rate value, so that multiple users can obtain the loan.

(3) According to the second point, the plurality of user equipments 2 that are awarded the standard are the user equipment 2 that selects the loan combination in a specified proportion. For example, the specified ratio is 50%. If 10 user devices 2 choose to bid for this loan combination, 5 user devices 2 will be awarded. The value of the bidding rate contained in the first, second and third points will be described later.

(4) When the bidding rule is set to the number of conditions for the user device 2 participating in the bidding, such as 50 persons, the bidding time is automatically terminated early.

The bidding time refers to the time from the start to the end of the bidding in each loan portfolio, such as 7th, or a fixed date, such as every Wednesday or 10th of the month, which varies flexibly according to the bidding rules. Since the loan portfolios are successively closed due to the end of the bidding time, the bidding unit 112 automatically launches a new loan combination periodically (for example, on the 3rd) for the user terminal device 2 to select.

It is particularly important to note that the above benchmark interest rate values, payment periods, various bidding rules and bidding time can be selected to create different loan portfolios.

As shown in step 516, the bidding unit 112 inputs, for any of the logged-in user devices 2, one of the loan combinations, and each user device 2 inputs a subscript instruction including the above bid rate value. For example, the benchmark interest rate value of a loan portfolio is 30. If a user wants to be the winner of the loan portfolio, he must submit a bid rate value higher than the base rate value, such as 35, another use. If you want to be the winner, you must raise the bidding rate, such as 40, to get the chance.

As shown in step 517, after the bidding time of the loan combination is completed, the user equipment 2 participating in the bidding is determined according to the bidding rule. If the bidding is not obtained, the other loan is re-selected as shown in step 515. Combination, but not limited to this, can also send a message to the customer service system to notify the customer service staff to directly assist the user. If the bid is successful, a binding message is generated and transmitted to the credit limit checking unit 113.

As shown in step 518, the credit limit checking unit 113 connects with the credit database 4 of the association center after receiving the above-mentioned binding information, and transmits a query request to the credit database 4 according to the binding information and the personal data. In order to obtain the remaining credit line corresponding to the personal data. The purpose of transmitting the inquiry request is that the current total balance of the unsecured debt, that is, the debtor’s unsecured debts of all financial institutions, divided by the average monthly income is not more than 22 times, for example, if a certain The average monthly income is 50,000 yuan, and its credit limit is 1.1 million yuan. Suppose that a certain company has 1 million yuan of unsecured debt, then only 100,000 yuan of credit line can be borrowed from financial institutions.

As shown in step 519, the credit limit checking unit 113 receives the reply message of the credit database 4 to confirm whether the remaining credit limit is greater than or equal to the loan amount value. If so, as shown in step 520, the credit limit checking unit 113 generates an approval message to the remittance processing unit 114, and registers the loan amount value with the credit database 4. Returning to step 519, if the remaining credit limit is less than the loan credit value, a reply message, such as an email or a short message, is notified to the user device 2, and the user is directed as shown in step 515. Device 2 re-selects other loan combinations, or can send a message to the customer service system to notify the customer service staff to directly assist the user. It is particularly important to note that the user's credit limit registered in the Linkage Center database 4 will not be checked and the quota will be registered until the bid is completed, which can effectively avoid the user's credit limit at the Linkage Center being occupied. The flexibility of the use of funds.

As shown in step 521, the remittance processing unit 114 receives the approval message and the settlement message, and automatically records a remittance preparation message according to the closed loan combination. In the first preferred embodiment, the remittance preparation message is stored in the database for the bank designated personnel to query, or an e-mail message may be sent to the e-mail address of the bank designated person for subsequent remittance operations. The user can use the user-side device 2 to complete the bidding from the registered member, the selection of the loan combination, and the eligibility to obtain the loan. The user has a high degree of freedom and convenience for the user. Can effectively save job execution and labor costs.

Referring to Figures 2 and 4, a second preferred embodiment of the dynamic approved debit amount and the interest rate loan method of the present invention is substantially the same as the first preferred embodiment, and the first preferred embodiment is different from the first preferred embodiment. The member registration unit 111 is provided with a plurality of groups and an examination reference data, and the groups have a plurality of corresponding minimum bid rate values. After receiving the personal data of the user device 2, the member registration unit 111, in addition to calculating the loan amount value, assigns the user device 2 to the groups according to the review reference data. Group, used to classify users of different risk groups into different groups. In step 516, the bidding unit 112 presets the bidding interest rate value initially submitted by the user terminal device 2 participating in the loan portfolio bidding to the lowest bidding interest rate value of the group to which the user equipment 2 belongs.

For example, according to personal data, users A1, A2, and A3 are high-risk members; users B1, B2, and B3 are moderate risk members; users C1, C2, and C3 are low-risk members, and such users When the user terminal device 2 is registered, it is classified by the member registration unit 111 to the group A, B, and C belonging to high risk, medium risk, and low risk, and the minimum bid rate corresponding to the group is assumed to be 50, 40, 30. It is assumed that the bidding unit 112 provides three loan combinations of X, Y, Z, etc., wherein the bidding rules of the loan portfolios are respectively set to the user equipment 2 of the group A, B, and C groups participating in the bidding, and the bidding unit 112 automatically The users A1, A2, and A3 are introduced into the X loan portfolio for mutual bidding, the users B1, B2, and B3 are introduced into the Y loan portfolio for mutual bidding, and the users C1, C2, and C3 are introduced into the Z loan portfolio for mutual bidding.

Another risk management bidding mechanism is that the users A1, A2, A3, B1, B2, B3, C1, C2, C3 participate in the bidding and non-group loan combination, and the mutual bidding bid rate value is used as the basis for bidding. The bidding rule of the loan portfolio is set to be the user device 2 of the loan portfolio, and the bidding interest rate value is higher than the bottom rate value in the group to which it belongs. It is important to note that although the users bid for the same loan portfolio, they also have different minimum bid rate values because they belong to different groups.

For example, the loan portfolio has a base rate of 30, which should basically start from 30, but the lowest bid rate for a high-risk group is 50, so users classified as Group A must start at 50. Bidding, in addition, users classified as moderate risk are also bidding from 40, while users classified as low risk can start bidding from 30.

Assume that the bidding interest rate values of the users of each group are as follows: Group A (high risk) user A1 uses the user device 2 to increase the price of the loan portfolio by 5 yuan to bid 55 yuan; A2 price increase of 10 yuan to 60 yuan bid; group A user A3 price 20 yuan to 70 yuan bid; group B (moderate risk) user B1 mark 5 yuan to 45 yuan bid; group B use B2 price increase of 10 yuan to 50 yuan bid; B group user B3 price increase of 20 yuan to 60 yuan bid; group C (low risk) user C1 price increase of 5 yuan to 35 yuan bid; C2 price increase of 10 yuan to 40 yuan bid; and C group user C3 increase price of 20 yuan to 50 yuan bidding, according to the bidding rules, the most up to the A3, B3 and C3 yuan in each group to win the bid, if the bidding rules change In order to be awarded by the user device 2 proposing the highest bid rate value, only the user A3 is awarded the highest bid rate value 70.

In summary, the author adjusts the credit quota inquiry and login operation mechanism to start the credit quota inquiry and login operation after the bidding activity of the credit combination of the user terminal device 2 in the bidding unit 112 is obtained. In order to avoid the fact that the user has not officially borrowed money, but the credit line is falsified in the records of the Linkage Center, the user can use the funds more flexibly, so the purpose of the present invention can be achieved.

The above is only the preferred embodiment of the present invention, and the scope of the invention is not limited thereto, that is, the simple equivalent changes and modifications made by the scope of the invention and the description of the invention are All remain within the scope of the invention patent.

11. . . Processing module

12. . . Communication module

111. . . Member login unit

112. . . Bidding unit

113. . . Credit limit check unit

114. . . Remittance processing unit

2. . . User terminal device

3. . . Internet

4. . . Credit database

511~522. . . step

Figure 1 is a flow block diagram illustrating the operational flow of one of the conventional financing systems;

2 is a system block diagram illustrating a computer server operated by the first and second preferred embodiments of the dynamic approved debit amount and the interest rate loan method of the present invention;

3 is a flow block diagram showing a first preferred embodiment of a loan method for dynamically approving a loan amount and an interest rate thereof; and

4 is a flow block diagram showing a second preferred embodiment of the dynamic approved loan quota and the interest rate loan method of the present invention.

511~521. . . step

Claims (10)

A loan method for dynamically verifying the loan amount and its interest rate is executed on a computer server for a plurality of user-side devices to perform a loan application through the Internet connection, and credits with a consortium corporation financial joint credit center The database connection enables the computer server to perform the following steps: (a) a member registration unit of a processing module performs registration by a communication module for each user device to input a person's data; (b) The member registration unit calculates a plurality of loan amount values corresponding to the personal data according to the personal data; (c) the member login unit is configured to connect to each user device through the communication module; (d) one of the processing modules The bidding unit is configured to input, by the user terminal device of any login, a plurality of loan combinations, wherein the loan combination has a bottom rate value, a bidding rule and a bidding time; (e) the bidding unit is provided for each of the loan combinations. The user equipment inputs a subscript instruction including a bid rate value, and when the bidding time of the loan combination ends, determining at least one bid according to the bidding rule a user terminal device, and generating a labeling message; (f) the credit card checking unit of the processing module receives the above-mentioned labeling message, and then through the communication module and the credit database of the financial association of the consortium Connected, the credit limit checking unit transmits a query request to the credit database according to the binding information and the personal data; (g) the credit limit checking unit obtains the remaining credit line corresponding to the personal data, if the remaining credit line If the loan amount is greater than or equal to the loan amount, an approval message is generated, and the credit amount is registered in the credit database; and (h) the remittance processing unit of the processing module receives the approval message and the binding message, and according to the The completed loan portfolio automatically records a remittance preparation message. The loan method according to the dynamic approved debit amount and the interest rate described in claim 1 of the patent application, wherein in the step (b), the member registration unit receives the personal data of the user device, and is further based on a review The reference data classifies the user terminal devices into a plurality of groups having a plurality of corresponding minimum bid rate values. The loan method according to the dynamic approved loan amount and the interest rate mentioned in item 2 of the patent application scope, wherein in the step (e), the bidding unit will submit the bidding rate for the initial submission of the user equipment of the participating loan portfolio bidding The value is set to the lowest bid rate value of the group to which the user device belongs. The loan method according to the dynamic approved debit amount and the interest rate described in item 2 of the patent application scope, wherein in the step (e), the bidding rule of each loan combination of the bidding unit is set to limit the users of the same group The end device can select and submit the bid rate value. The loan method according to the dynamic approved debit amount and the interest rate mentioned in item 2 of the patent application scope, wherein in the step (e), the bidding rule of each loan combination of the bidding unit is set as the user of the winning loan portfolio The end device is the one that submits the bid rate value higher than the base rate value in the group to which it belongs. According to the loan method of the dynamic approved debit amount and the interest rate mentioned in Item 1 of the patent application, in the step (e), the bidding rule of the loan combination of the bidding unit is set to use the highest bid rate value. The device is awarded. According to the loan method of the dynamic approved debit limit and the interest rate mentioned in the first application of the patent scope, in the step (e), the bidding rules of the loan combination of the bidding unit are set to multiple higher bidding rates. The user device of the value is awarded. The loan method according to the dynamic approved debit amount and the interest rate described in claim 7 of the patent application, wherein in the step (e), the plurality of user devices that are awarded the target are selected in a specified proportion. User terminal device. According to the loan method of the dynamic approved loan amount and the interest rate described in the first application of the patent scope, in the step (e), the bidding rules of the loan combination of the bidding unit are set as the users participating in the loan portfolio. When the end device reaches a certain number of conditions, the bidding time is automatically terminated early. The loan method according to the dynamic approved debit amount and the interest rate described in claim 1 of the patent application, wherein in the step (d), the bidding unit periodically automatically introduces a new loan combination.