TW201740336A - Real-time system and method for loan and repayment - Google Patents

Abstract

A real-time system for loan and repayment includes an electronic device, a first server, and a second server. The electronic device is configured to send out a loan request or a repayment request corresponding to an insurance account. The insurance account is corresponding to a plurality of insurance data. Each insurance data is corresponding to an interest rate respectively. The first server is connected to the electronic device and is configured to send out a loan notification or a repayment notification according to the loan request or the repayment request. The second server is connected to the first server and is configured to determine the priorities of the plurality of insurance data according to the interest rates and one of the loan notification or the repayment notification.

Description

Instant repayment system and method

The content of the embodiment described in the disclosure relates to an instant repayment technology, and in particular to an instant repayment system and method.

With the advancement of society, the demand for capital turnover by individuals or businesses has increased dramatically. In the past, many individuals or companies wanted to use the one-way bank to apply for loans or even repayments. However, it is difficult to improve the convenience because it is impossible to borrow or repay immediately.

In view of this, the present disclosure proposes an instant repayment system and method for solving the problems described in the prior art.

One embodiment of the present disclosure relates to an instant repayment system. The instant repayment system includes an electronic device, a first server, and a second server. The electronic device is configured to send a loan request or a repayment request corresponding to an insurance account. The insurance account corresponds to multiple policy information. Each of the pen policy materials corresponds to an interest rate. The first server is connected to the electronic device and is configured to send according to the loan request or the repayment request A loan notice or a repayment notice. The second server is connected to the first server and is configured to determine the priority of the pen policy materials according to one of the loan notice or the repayment notice and the interest rates.

One embodiment of the present disclosure relates to an instant repayment method. The instant borrowing method includes: sending, by an electronic device, a loan request or a repayment request corresponding to an insurance account, wherein the insurance account corresponds to the plurality of policy materials and each of the policy materials respectively corresponds to one Interest rate; a first server to send a loan notice or a repayment notice according to the loan request; when the second server receives the loan notice, the second server determines that the policy information with lower interest rate has higher priority The priority of the policy information with higher interest rate; and when the second server receives the repayment notice, the second server determines that the priority of the policy information with higher interest rate is higher than the priority of the policy information with lower interest rate. degree.

In summary, by applying the above embodiment, the user can immediately borrow and/or repay the bank, and the system will automatically prioritize according to the interest rate of the policy data, thereby improving the loan and/or The convenience of the program.

100, 200, 300‧‧‧ instant repayment system

110, 210, 310‧‧‧ electronic devices

112, 212, 312‧‧ User interface

120, 220, 320‧‧‧ first server

130, 230, 330‧‧‧ second server

240, 340‧‧‧ third server

350‧‧‧fourth server

400‧‧‧ Instant repayment method

S402, S404, S406, S408, S410, S412, S414, S416‧‧ steps

B1‧‧‧Bank Information

R1‧‧‧ loan request

R2‧‧‧ Repayment request

N1‧‧‧ loan notice

N2‧‧‧Repayment notice

The above and other objects, features, advantages and embodiments of the present disclosure will be more clearly understood. The description of the drawings is as follows: FIG. 1 is an instant repayment system according to some embodiments of the present disclosure. Schematic diagram FIG. 2 is a schematic diagram of an instant repayment system according to some embodiments of the present disclosure; FIG. 3 is a schematic diagram of an instant repayment system according to some embodiments of the present disclosure; and FIG. 4 It is a flow chart of steps of an instant borrowing method according to some embodiments of the present disclosure.

The embodiments are described in detail below with reference to the accompanying drawings, but the embodiments are not intended to limit the scope of the disclosure, and the description of the operation of the structure is not intended to limit the order of execution, and any components are recombined. The structure and the device with equal efficiency are all covered by the disclosure. In addition, the drawings are for illustrative purposes only and are not drawn to the original dimensions. For the sake of understanding, the same or similar elements in the following description will be denoted by the same reference numerals.

FIG. 1 is a schematic diagram of an instant repayment system 100 in accordance with some embodiments of the present disclosure. The user (or the policyholder) can apply to the bank for the insurance account first, and use the insurance account to insure the insurance company's multiple policy products. The policy information for each policy item has a corresponding interest rate and a corresponding loanable balance. The loanable balance refers to the balance that can be borrowed at the beginning of the day. The user can then make an instant loan and/or repayment process through the instant repayment system 100.

In the example of FIG. 1 , the instant repayment system 100 includes an electronic device 110 , a first server 120 , and a second server 130 . In some In the embodiment, the first server 120 is a server on the bank side, and the second server 130 is a server on the insurance company side.

The electronic device 110 includes a user interface 112. The user can connect the electronic device 110 to the first server 120 by operating the user interface 112. In some embodiments, the electronic device 110 can be, for example, a personal desktop computer, a notebook computer, a tablet computer, or a mobile communication device (such as a smart phone). For example, if the electronic device 110 is a personal desktop computer, the user can insert the financial card into the card reader of the electronic device 110. The user interface 112 can be, for example, an online banking operation interface. In some other embodiments, the electronic device 110 can be, for example, an automated teller machine. If the electronic device 110 is an automated teller machine, the user can insert the financial card into the card reader slot of the automated teller machine. The user interface 112 can be, for example, an automated teller machine operating interface. In other words, the user can perform an instant borrowing and/or repayment process by operating an online banking operation interface or an automated teller machine operation interface.

In some embodiments, the user may select a loan service option or a repayment service option on the user interface 112. The electronic device 110 sends a loan request R1 or a repayment request R2 corresponding to the insurance account to the first server 120 according to the operation of the user on the user interface 112. If the first server 120 receives the loan request R1, the first server 120 sends a loan notification N1 to the second server 130. After receiving the loan notice N1, the second server 130 determines the priority of the pen policy materials according to the interest rates of the pen policy materials, so as to perform the borrowing process immediately and automatically. If the first server 120 receives the repayment request R2, the first server 120 sends a repayment notification N2 to the second server 130. The second server 130 receives the repayment notice N2 After that, the priority of the pen policy data will be determined according to the interest rates of the pen policy materials, so that the repayment process can be performed immediately and automatically.

It is assumed that the first server 120 is the server of the A bank, and the second server 130 is the server of the B insurance company. In addition, suppose that the user applies for an insurance account to the B insurance company through Bank A, and the multiple policy information of the insurance account is assumed as follows:

In the example of FIG. 1, the user can insert the financial card of Bank A into the card reading device of the electronic device 110. In some embodiments, the electronic device 110 can be, for example, an automated teller machine of Bank A, and the card reading device can be, for example, a card reader slot of an automated teller machine. After the financial card is inserted into the card reading device, the user can connect the electronic device 110 to the first server 120 by operating the automated teller machine operation interface. Next, the electronic device 110 transmits the bank information b1 of the financial card to the first server 120. Bank information b1 is used to represent the bank to which each financial card belongs. Next, the first server 120 will determine whether the bank information b1 of the financial card conforms to the bank to which the insurance account belongs. That is, the first server 120 will determine whether the bank information b1 of the financial card corresponds to the bank (A bank) to which the first server 120 belongs. If the bank information b1 corresponds to the A bank, the first server 120 will be connected to the second server 130 of the B insurance company. On the other hand, when the user selects on the user interface 112 For the loan service option or the repayment service option, the electronic device 110 will send the loan request R1 or the repayment request R2 to the first server 120. The first server 120 will send the loan notification N1 or the repayment notice N2 to the second server 130 according to the loan request R1 or the repayment request R2.

When the second server 130 receives the loan notification N1, the second server 130 will determine the priority of the policy information with a lower interest rate than the policy data with a higher interest rate. If the interest rates of the two policy materials are the same, the second server 130 determines that the priority of the policy data with a larger loan balance is higher than the priority of the policy data with a smaller loan balance.

Taking the above Table 1 as an example, since the interest rate of the policy information A and the policy data B is lower than the interest rate of the policy data C, and since the loanable balance of the policy data A is greater than the loanable balance of the policy data B, the policy information is prioritized. The order of high to low is policy information A, policy information B, and policy data C. In other words, policy information A will be used passively for borrowing.

On the other hand, when the second server 130 receives the repayment notice N2, the second server 130 will determine the priority of the policy data with higher interest rate than the policy information with lower interest rate. If the interest rates of the two policy materials are the same, the second server 130 determines that the priority of the policy data with a smaller loanable balance is higher than the priority of the policy data with a larger loan balance.

Taking the above Table 1 as an example, since the interest rate of the policy information C is higher than the interest rate of the policy data A and the policy data B, and since the loanable balance of the policy data B is less than the loanable balance of the policy data A, the policy materials are prioritized. From high to low, the order information is C, policy information B, and policy data A. In other words, policy information C will be repaid in priority.

Please continue to refer to Figure 1. In some other embodiments, the electronic device 110 can be, for example, a personal desktop computer, and the card reading device can be, for example, a card reader. After the financial card is inserted into the card reading device, the user can connect the electronic device 110 to the first server 120 by operating the online banking operation interface of the bank A. The rest of the content is similar to the previous embodiment and will not be described again. In addition, the user can also choose to deposit the borrowed money into the agreed account or other account by operating the bank's online banking operation interface.

FIG. 2 is a schematic diagram of an instant repayment system 200 according to some embodiments of the present disclosure. Similar to the instant repayment system 100 of FIG. 1, the instant repayment system 200 includes an electronic device 210, a first server 220, and a second server 230. In addition, the instant repayment system 200 further includes a third server 240. In some embodiments, the third server 240 is a server of a financial company.

In the example of FIG. 2, the user can insert the financial card of Bank A into the card reading device of the electronic device 210. In some embodiments, the electronic device 210 can be, for example, an automated teller machine of the C bank, and the card reading device can be, for example, a card reader slot of an automated teller machine. After the user inserts the financial card into the card reading device, the electronic device 210 determines whether the bank to which the financial card belongs is the C bank according to the bank information b1 of the financial card. When the electronic device 210 determines that the bank to which the financial card belongs is not the C bank, the electronic device 210 connects to the third server 240 and sends the bank information b1 of the financial card to the third server 240. The third server 240 will determine the bank to which the financial card belongs according to the bank information b1 and connect to the first server 220 of the bank to which it belongs. That is, the third server 240 will connect to the first server 220 of Bank A. when The user selects the loan service option on the user interface 212, and the electronic device 210 sends the loan request R1 to the third server 240. After receiving the loan request R1, the third server 240 transmits the loan request R1 to the first server 220. After receiving the loan request R1, the first server 220 sends a loan notification N1 to the second server 230 to use the insurance account to perform the borrowing process.

FIG. 3 is a schematic diagram of an instant repayment system 300 according to some embodiments of the present disclosure. Similar to the instant repayment system 100 of FIG. 1, the instant repayment system 300 includes an electronic device 310, a first server 320, and a second server 330. In addition, the instant repayment system 300 further includes a third server 340 and a fourth server 350. In some embodiments, the third server 340 is a server of a financial company.

In the example of FIG. 3, the user can insert the financial card of Bank A or the financial card of Bank D into the card reading device of electronic device 310. In some embodiments, electronic device 310 can be, for example, a personal desktop computer, and the card reading device can be, for example, a card reader. After the financial card is inserted into the card reading device, the user can operate the online banking operation interface of the bank A to connect the electronic device 310 to the first server 320 of the bank A. Next, the electronic device 310 transmits the bank information b1 of the financial card to the first server 320. Next, the first server 320 will determine whether the bank information b1 of the financial card conforms to the bank to which the insurance account belongs. That is, the first server 320 will determine whether the bank information b1 of the financial card corresponds to the bank (A bank) to which the first server 120 belongs.

If the financial card inserted into the card reading device is the financial card of the bank A, the first server 320 will determine that the bank information b1 corresponds to the bank A. Connect The first server 320 will be connected to the second server 330. The user can select a repayment service option on the user interface 312 to cause the electronic device 310 to send the repayment request R2 to the first server 320. After receiving the repayment request R2, the first server 320 will send a repayment notice N2 to the second server 330 to perform the repayment procedure using the insurance account.

If the financial card inserted into the card reading device is the financial card of the D bank, the first server 320 will determine that the bank information b1 corresponds to the D bank. As such, the first server 320 will simultaneously connect to the second server 330 and the third server 340 to transmit the bank information b1 to the third server 340. The third server 340 determines the bank to which the financial card belongs according to the bank information b1, and connects to the fourth server 350 corresponding to the bank information b1 to cooperate with the second server 330 for repayment through the fourth server 350. program. For example, if the third server 340 determines that the bank to which the financial card belongs is the D bank, the third server 340 will connect to the fourth server 350 of the D bank. In this way, the user can repay the insurance account of Bank A from the account of Bank D.

FIG. 4 is a flow chart showing the steps of an instant borrowing method 400 according to some embodiments of the present disclosure. The above steps will be described with reference to the instant repayment system 100 of FIG. 1 , but not limited thereto.

In step S402, the borrowing request R1 or the repayment request R2 is sent by the electronic device 110. In step S404, the borrowing request R1 or the repayment request R2 from the electronic device 110 is received by the first server 120. In step S406, if the first server 120 in step S404 receives the loan request R1, the first server 120 sends a loan notification N1 to the second server. 130. In step S408, if the second server 130 receives the loan notification N1, the second server 130 determines that the priority of the policy information with lower interest rate is higher than the priority of the policy data with higher interest rate. In step S410, when the interest rates of the two policy materials are the same, the second server 130 determines that the priority of one of the policy materials with a larger loan balance is higher than the priority of another policy data with a smaller loan balance. degree. In step S412, if the first server 120 in step S404 receives the repayment request R2, the first server 120 sends a repayment notification N2 to the second server 130. In step S414, if the second server 130 receives the repayment notice N2, the second server 130 determines that the priority of the policy information with higher interest rate is higher than the priority of the policy data with lower interest rate. In step S416, when the interest rates of the two policy materials are the same, the second server 130 determines that the priority of one of the policy materials with a smaller loanable balance is higher than the priority of another policy data with a higher loanable balance. degree.

In summary, by applying the above embodiment, the user can immediately borrow and/or repay the bank, and the system will automatically prioritize according to the interest rate of the policy data, thereby improving the loan and/or The convenience of the program.

The present disclosure has been disclosed in the above embodiments, and is not intended to limit the disclosure. Any one of ordinary skill in the art can make various changes and refinements without departing from the spirit and scope of the disclosure. The scope of protection is subject to the definition of the scope of the patent application.

100‧‧‧ Instant repayment system

110‧‧‧Electronic devices

112‧‧‧User interface

120‧‧‧First server

130‧‧‧Second server

B1‧‧‧Bank Information

R1‧‧‧ loan request

R2‧‧‧ Repayment request

N1‧‧‧ loan notice

N2‧‧‧Repayment notice

Claims (10)

An instant repayment system comprises: an electronic device for sending a loan request or a repayment request corresponding to an insurance account, wherein the insurance account corresponds to a plurality of policy information, each of the pen policy materials Corresponding to an interest rate; a first server, connected to the electronic device and configured to send a loan notice or a repayment notice according to the loan request or the repayment request; and a second server, and the The first server is connected and used to determine the priority of the pen policy materials according to one of the loan notice or the repayment notice and the interest rates. The instant borrowing and repaying system of claim 1, wherein when the second server receives the loan notice, the second server determines that the policy information with lower interest rate has higher priority than the interest rate. The priority of the policy information. For example, the instant repayment system described in claim 2, wherein each of the pen policy materials respectively corresponds to a loanable balance, when the interest rates of the two policy materials of the pen policy materials are the same The second server determines that the priority of one of the policy materials with a larger balance can be higher than the priority of another policy data with a smaller loan balance. The instant repayment system according to claim 1, wherein when the second server receives the repayment notice, the second server determines that the priority of the policy information with higher interest rate is higher than the interest rate ratio. low The priority of the policy information. The instant repayment system of claim 4, wherein each of the pen policy materials respectively corresponds to a loanable balance, when the second server receives the repayment notice and when When the interest rates of the two policy materials of the written policy data are the same, the second server determines that the priority of one of the policy materials with the smaller balance can be higher than the priority of the other policy data with the larger loan balance. The instant repayment system of claim 1, further comprising: a third server for receiving the loan request and connecting to a bank information corresponding to the bank information according to a bank information of a financial card The first server is configured to cause the first server to send the loan notification to the second server, wherein the electronic device is connected to the third server through an ATM operating interface. The instant repayment system of claim 1, further comprising: a third server, the first server is configured to receive the repayment request and connect to the bank information according to a financial card a third server, wherein the third server is connected to a fourth server corresponding to the bank information according to the bank information, so that the fourth server cooperates with the second server to perform a repayment process, wherein the electronic server The device is connected to the network through an online banking operation interface The first server. An instant borrowing method includes: sending, by an electronic device, a loan request or a repayment request corresponding to an insurance account, wherein the insurance account corresponds to a plurality of policy information, each of the pen policy materials Corresponding to an interest rate; a first server sends a loan notice or a repayment notice according to the loan request; when the second server receives the loan notice, the second server determines the interest rate The priority of the low policy information is higher than the priority of the policy information with higher interest rate; and when the second server receives the repayment notice, the second server determines the priority of the policy information with higher interest rate The priority is higher than the policy information with lower interest rates. The instant borrowing method as described in claim 8 , wherein each of the pen policy materials respectively corresponds to a loanable balance, and the instant borrowing method further comprises: when the second server Receiving the loan notice and when the interest rates of the two policy materials of the pen policy materials are the same, the second server determines that the priority of one of the policy materials with a larger loan balance is higher than the loanable balance. The priority of another policy information. The method of instant repayment according to claim 9 of the patent application, wherein each of the pen policy materials respectively corresponds to one The borrowing method further includes: when the second server receives the repayment notice and when the interest rates of the two policy materials of the pen policy materials are the same, the second server determines The priority of one of the policy materials with a smaller balance is higher than the priority of another policy with a larger balance.