TW201822114A - Method and system for real-time online evaluation of enterprise loan shows at least one test result value to a user for reference if there is trial result - Google Patents

Abstract

The invention provides a method and system for real-time online evaluation of enterprise loan. When a user logs in a financial website, the financial website initiates a questionnaire for the user to fill in. At least one back-end server of the financial website determines whether the content of the questionnaire meets at least one qualification; if yes, the back-end server obtains a plurality of relevant data of one of the companies represented by the user, and the back-end server determines and initiates a follow-up questionnaire for the user to fill in; if not, displaying a test result unavailable page on the financial website. Trial calculation is carried out according to the completed advanced questionnaire. If there is no result in the trial calculation, no result page after trial calculation is displayed on the financial website; otherwise, a trial result page is displayed, and at least one trial result is displayed on the user for reference.

Description

   Method and system for online real-time assessment of corporate loans   

The invention relates to a financial service management technology, in particular to a method and system for online real-time assessment of corporate loans.

According to the types of financial services provided by financial institutions, loan services are provided for customers with financial needs, and they can be divided into personal loans and corporate loans. The review of personal loans is easier than corporate loans because the funding requirements are usually small and The purpose is simple, and corporate loans need to consider the company's credit, the credit line of the person in charge, and other factors, especially when the company has replaced the person in charge, the company's operating status, such as whether the issue of debt needs to be carefully evaluated.

Therefore, the current small business loan quota interest rate quotation must be submitted by the customer in writing, and through credit interviews and credit experience review, the process takes about two to five days, can not achieve immediate timeliness, and the company loan must evaluate the company as a whole Operating conditions, so in the company's loan part, there is currently no platform for online assessment and instant application of loan messages.

Therefore, the present invention proposes a method and system for online real-time assessment of corporate loans, which effectively solves the above-mentioned problems. The specific architecture and implementation manners will be detailed below:

The main purpose of the present invention is to provide a method and system for online real-time assessment of corporate loans, which are used to evaluate corporate loans through the results of a questionnaire on a financial website. The trial results can be obtained online immediately, without the need for face-to-face negotiations, which saves manual negotiations by financial institutions Cost and time.

Another object of the present invention is to provide a method and system for online real-time evaluation of corporate loans, which take into account customer risk, demand quota, qualification list mechanism and loan product shunting, thereby saving manpower for review and evaluation.

In order to achieve the above object, the present invention provides a method for online real-time assessment of corporate loans, including the following steps: a user logs in to a financial website; the financial website opens a basic questionnaire for the user to fill out; at least one back-end server of the financial website judges Whether the content of the basic questionnaire meets at least one of the basic qualifications; if it is, the back-end server obtains plural relevant information of a company represented by the user and opens an advanced questionnaire for the user to complete; and if not, the financial A trial page with no results is displayed on the website; and a trial calculation is performed based on the completed advanced questionnaire. If the trial has no results, the trial results page is displayed on the financial website; otherwise, if the trial results are displayed, a trial results page is displayed above it. Display at least one trial result value for user reference.

The steps for the user to log in to the financial website further include: inputting an identification code; the back-end server determines whether the identification code has been tried more than a preset number of times: if it is, displaying a prompt message to inform the user that it has been tried; and if not , A verification code is sent to the user through a text message system; the user enters the verification code on the financial website, and the back-end server determines whether the verification code is correct: if yes, open the basic questionnaire; if not, re-enter the verification code or The SMS system resends a new verification code.

The identification code is a mobile phone number, and the SMS system sends the verification code to the mobile phone number.

In the step of the user entering the verification code on the financial website, the financial website further judges whether the verification code has not been entered correctly within a preset time, and displays a timeout prompt message when the correct verification code has not been received within the preset time. . When the financial website displays a timeout message, the SMS system resends a verification code.

After the verification code is entered correctly, the back-end server first determines whether the user has a trial record within a preset period (for example, within one month). If not, the basic questionnaire can be opened directly. If so, the user is required to further verify the last time. The information left in the trial calculation, such as an email address, if you enter the information left in the previous trial calculation correctly, you can choose to view the results of the previous trial calculation or open the basic questionnaire.

In the present invention, the plural basic fields of the basic questionnaire include a uniform number field, a registered name field, an industry category field, an operating personnel field, a founding seniority field, a loan use field, and a fund. Demand field and user's plural profile field.

The basic qualifications include whether the uniform number field in the basic questionnaire is unchecked and whether the amount in the funding requirements field is less than a preset amount. If at least one of them is yes, the trial calculation no results page is displayed. When the back-end server displays a page with no results for the trial, the financial website is directed to a credit trial page, or a link to the credit trial page is provided.

The basic qualifications include whether the content filled in the field of loan use is the current product that can provide loan trials. If not, the trial results no page is displayed. This page is for users to provide relevant information and follow up with specific projects.

Before the basic questionnaire is opened, a decision module in the back-end server is used to obtain a person's password and a person's qualification list. Based on the personal qualification list, it can be determined whether the user is eligible for a loan.

The company's relevant information includes a company password, a company and responsible person qualification list, a responsible person's advanced questionnaire number and answering information, at least one pre-review information and a company's advanced questionnaire number and answering information. Before the advanced questionnaire is opened , The decision-making module obtains the company password and the qualification list of the company and the person in charge, and determines whether the company is eligible for a loan based on the qualification list of the company and the person in charge. And pickup information, pre-review information, and company advanced questionnaire numbers and pickup information.

The present invention further includes the step of inputting or not inputting additional information on the financial website, and the additional information includes the URL of at least one of the company's official website, auction website, and online mall.

The value of the trial result on the trial results page includes the loan amount, loan period, loan interest rate, and total payables per period. The loan amount and loan period can be adjusted to generate different total payables per period.

The present invention further includes displaying a loan application page, which includes a plurality of personal data fields of a user, a plurality of registered data fields of a company, and an application button. After filling in the personal data fields and registration data fields, press the application button To send a loan application message. When the loan application message is sent, the back-end server receives the loan application message and sends an email to the user.

The invention also provides a system for online real-time evaluation of corporate loans, including: a financial website, a user enters an identification code to log in to the financial website, and fills in a basic questionnaire and an advanced questionnaire. The financial website finally shows a trial without results Page or a trial results page; and a back-end server that connects to the financial website, receives an identification code for verification, and determines whether the content of the basic questionnaire meets at least one basic qualification, and if so, obtains a company represented by the user And open the advanced questionnaire for the user to fill in, and perform trial calculations based on the completed advanced questionnaire to generate a trial result page that provides at least one trial result value to the user. If the content of the basic questionnaire does not meet the basics Eligibility or advanced questionnaire trials without results, a trial without results page is displayed on the financial website.

10‧‧‧System for online real-time assessment of corporate loans

12‧‧‧ Finance Website

14‧‧‧ backend server

16‧‧‧ Decision Module

18‧‧‧Database

20‧‧‧ users

Figure 1 is a block diagram of a system for online real-time assessment of corporate loans of the present invention.

Figure 2 is a flowchart of the method for online real-time assessment of corporate loans of the present invention.

FIG. 3 is a flowchart of a user logging in to a financial website in the present invention.

FIG. 4 is a flowchart of a questionnaire check and trial calculation in the present invention.

FIG. 5 is a schematic diagram of an embodiment of a trial calculation result page in the present invention.

The present invention provides a method and system for online real-time assessment of corporate loans. Please refer to FIG. 1, which is a block diagram of a system 10 for online real-time assessment of corporate loans, including a financial website 12 and at least one back-end server 14. The financial website 12 and the back-end server 14 belong to a financial institution, such as a bank. The back-end server 14 includes a decision-making module 16 and a database 18. The decision-making module 16 provides the user's personal password and personal qualifications. List and company's company password and company and responsible person qualification list, for example, the bank will give each customer a unique number, this number is a personal password, and the personal qualification list is to indicate whether this customer is eligible, if If not, the bank can single out the customer's needs, limit the amount of the loan, or refuse to accept it. If it does, the customer is eligible for a loan. Similarly, the bank will give a unique number to each company. This is the company password, and the company and person in charge qualification list indicates whether the company or the person in charge of the company is eligible for a loan. Banks have the right to refuse loans or limit the amount. The database 18 stores the basic questionnaire and answering information, the person in charge of the advanced questionnaire number and answering information, pre-trial information, and the company's advanced questionnaire number and answering information. The user 20 fills in the company loan questionnaire online through the financial website 12, and the back-end server 14 performs real-time trial evaluation, and displays at least one trial result value obtained on the trial on the financial website 12 for the user 20's reference.

FIG. 2 is a flowchart of a method for online real-time assessment of a corporate loan of the present invention. In step S10, a user uses a computer, smartphone, or tablet to log in to a financial website; after the login is completed, the financial website opens as described in step S12. A basic questionnaire is filled out by the user; then in step S14, the back end server of the financial website determines whether the content of the basic questionnaire meets at least one basic qualification; if not, then in step S28, a trial calculation resultless page is displayed on the financial website. ; If yes, as in step S16, the back-end server obtains plural related data of a company represented by the user, the back-end server judges its content through the obtained related data, and opens an advanced questionnaire for the user to fill in; use After completing the advanced questionnaire, as described in step S18, the back-end server performs trial calculations based on the completed advanced questionnaire. If the trial has no results, the trial calculation results page is displayed on the financial website, as in steps S26 ~ S28, otherwise, If there is a result in the trial calculation, a trial calculation result page is displayed, and at least one trial calculation result value is displayed for the user's reference, such as steps S22 ~ S24 .

In step S14, the basic fields of the basic questionnaire include a uniform number field, a registered name field, an industry category field, an operator field, an established years field, a loan purpose field, and a funding requirement. Fields and multiple personal data fields for users, including name, phone number, email address, etc. The plural related information of the company mentioned in step S16 includes a company password, a company and person-in-charge qualification list, a person in charge of the advanced questionnaire number and answering information, at least one pre-review information, and a company advanced questionnaire number and representative. Answer information.

FIG. 3 is a flowchart of a user logging in to a financial website in the present invention. To log in to a financial website, a user first enters the homepage of the financial website and enters an identification code. In step S30, the identification code can be a mobile phone number. It can also be used with a graphic identification code. Step S32 determines whether the identification code is correct. If it is incorrect, an error message is displayed on the financial website in step S34. Conversely, if the identification code is correct, then step S36 determines the identification code Whether the trial calculation exceeds a preset number of times. If so, a prompt message is displayed on the financial website at step S38 to inform the user that the trial has been performed. This step S36 can also provide more detailed requirements, such as the identification code within a preset period (such as Within one month) whether it has been tried more than the preset number of times (for example, five times), if it is, step S38 displays the prompt message of more than five times of trial; if the identification code has not been tried, or has not been tested more than the preset within one month The number of times, then, as described in step S40, a verification code is sent to the user through a text message system, and the user's mobile phone receives the short code of the verification code. Then, enter the verification code on the financial website. As in step S42, the financial website judges whether the verification code has not been entered correctly for more than a preset time (for example, 100 seconds) in step S44, and has not been accepted correctly after the preset time. A timeout prompt message is displayed when the verification code is displayed, such as step S46. After the timeout prompt message is displayed on the financial website, the process returns to step S40, and the SMS system resends a verification code to the user. If it is determined in step S44 that the user has entered the verification code within the preset time, step S48 determines whether the verification code is correct. If the verification code is incorrect, an error message is displayed on the financial website in step S50, and the process returns to step S42 to re-enter the verification code. In one embodiment, the user has the opportunity to enter the verification code three times, but all of them must be entered within the preset time. If the preset time is exceeded or the entry is incorrect three times, the process returns to step S40 and a new one is sent again. The verification code is given to the user; when it is determined that the verification code is correct, the back-end server in step S52 continues to determine whether the identification code for logging into the financial website has a trial result within a preset period, such as whether there is a trial result within one month, If not, step S56 directly enters the step flow of FIG. 4. If there is a trial result, step S54 will require the user to further enter the information filled in the previous trial for verification, such as entering an email address. In this step, If the input is correct, enter the step flow of Figure 4 to open the basic questionnaire, as shown in step S56, but the basic questionnaire contains the previous trial calculation results. Of options, rather than just a basic blank questionnaire.

FIG. 4 is a flowchart of the questionnaire check and trial calculation in the present invention. In step S56 of FIG. 3 and steps S60 to S64 of FIG. 4, the decision system of the back-end server first obtains a personal password and one of the users. A person's qualification list, and obtain the basic questionnaire and answer information from the database, then step S66 opens the basic questionnaire for the user to complete; when the user completes the completion, the next step is to determine whether the content of the basic questionnaire meets at least one basic Eligibility, in this embodiment, step S68 is to determine whether the uniform number field in the basic questionnaire is unchecked and whether the amount in the fund demand field is less than a preset amount (such as whether the fund demand is less than 500,000). If at least one is yes, then in step S70, the financial website will display a trial calculation without results page, because it represents a small demand for funds, and can directly use personal credit without corporate loans. At this time, the financial website can also automatically lead to personal credit. Page for users to inquire; then in step S72, it is also necessary to determine the loan purpose field in the basic questionnaire, and whether it is filled out is the current loan test available. If it is not, the trial calculation results page is displayed, as in step S70. For example, suppose that the purchase of real estate is not among the products that can provide loan trials. If the user's loan purpose is to purchase an office, factory, etc., it cannot be accessed through The message of the online loan sent by the present invention will display a page with no results of trial calculation. Conversely, if the use of the loan is in accordance with the current product that can provide loan trials, for example, suppose the purchase of real estate is a product that can provide loan trials. The purpose is to purchase an office, a factory building, etc., then proceed to step S74, the back-end server obtains the person in charge of the advanced questionnaire number and answering information from the database, and the steps S76 ~ S78 decision module obtains a company password and a company and the person in charge Qualification list, step S80 The back-end server obtains pre-review data, company advanced questionnaire number and answer information from the database, and then step S82 opens the advanced questionnaire for users to fill in. After completion, the financial website can also display additional Information entry page for users to enter or opt out of, such as the company's official website, auction website, Additional information such as the website address of at least one of the mall, as described in step S84, and then, step S86 performs a trial calculation based on the advanced questionnaire. The trial calculation can refer to the additional information and determine whether the trial has a result. If there is no result, a trial calculation is displayed. If there is no result page, if there is a result in the trial calculation in step S70, a trial result page is displayed in step S88, which includes at least one trial result value.

The trial results page displays the results of trial calculations, including the loan amount, loan period, loan interest rate, and total amount payable in each period. The loan amount and loan period can be adjusted to produce different total payables in each period, as shown in the trial calculation in Figure 5. In the example of the results page, the name of the trial company line number and the trial date are shown in the figure, and the validity period of the trial is also shown for one month. Then the loan amount is 1 million yuan, the loan period is 3 years, the loan interest rate is 4%, and each The total amount payable is 29524 yuan. Users can pull the loan amount and the adjustment period of the loan period to adjust the loan amount and the loan period. At this time, the total amount payable in each period will also change, and new trial results will be generated immediately.

If the user feels that the trial results are appropriate, the trial results page includes a link to a loan application page, or the loan application page is at the bottom of the trial results page. The loan application page contains the user's multiple personal data fields, the company's multiple registration data fields, and an application button. The personal data fields include, contact name, mobile phone, email, etc., and the company's registration information includes a uniform number. , Registration name, company phone, actual business address, etc. After the user has filled in the personal information fields and registration information fields, press the apply button to send a loan application message. When the loan application message is sent, after receiving the loan application message, the back-end server will send an email to the user to indicate that the loan application message has been received and is being processed. The trial result-free page shown in steps S70 and S88 in FIG. 4 may also include an application button, and the user may also press the application button to send a message for a loan to the financial institution.

In summary, the method and system for online real-time evaluation of corporate loans of the present invention integrates the process of evaluating loan conditions digitally, providing a small and business operator with a fast and convenient online loan trial environment. The certification service will immediately test out the various products that can be loaned by the enterprise, and immediately post the loan application message online after the trial calculation, so that financial institutions can handle subsequent loan issues. The invention integrates mobile phone verification code authentication, interactive marketing, risk assessment, etc., which greatly reduces the manpower for financial institutions to confirm customer identity, marketing, evaluate loan capabilities, and communicate with customers, and saves case acquisition costs.

The foregoing are merely preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention. Therefore, all equal changes or modifications made according to the features and spirit described in the scope of the application of the present invention shall be included in the scope of patent application of the present invention.

Claims (23)

    A method for online real-time assessment of a corporate loan includes the following steps: a user logs into a financial website; the financial website opens a basic questionnaire for the user to fill out; at least one back-end server of the financial website judges the filling of the basic questionnaire Whether the content meets at least one basic qualification: if so, the back-end server obtains plural relevant information of a company represented by the user, judges through the obtained relevant information, and opens an advanced questionnaire to the The user fills in; and if not, displays a trial calculation without results page on the financial website; and performs the trial calculation based on the advanced questionnaire after filling in, and if the trial calculation has no results, the trial calculation results page is displayed on the financial website, On the contrary, if there is a result of the trial calculation, a trial calculation result page is displayed, and at least one trial calculation result value is displayed for the user's reference.         The method for online real-time evaluation of a corporate loan as described in claim 1, wherein the step of the user logging in to the financial website further includes: entering an identification code; the back-end server judges whether the identification code has been tested more than one Set the number of times: if yes, display a prompt message to inform the user that the trial has exceeded a preset number of times; and if not, send a verification code to the user through a text message system; and enter the user on the financial website Verification code, the back-end server judges whether the verification code is correct: if it is, open the basic questionnaire; and if not, then re-enter the verification code or the SMS system resends a new verification code.         The method for online real-time evaluation of a corporate loan as described in claim 2, wherein the identification code is a mobile phone number, and the SMS system sends the verification code to the mobile phone number.         The method for online real-time evaluation of a corporate loan as described in claim 2, wherein in the step of the user entering the verification code on the financial website, the financial website further determines whether the verification code has not been entered correctly for more than a preset time , And display a timeout message when the verification code has not been received within the preset time.         The method for online real-time assessment of a corporate loan as described in claim 4, wherein after the financial website displays the timeout prompt message, the SMS system resends a verification code.         The method for online real-time evaluation of a corporate loan as described in claim 2, wherein after the verification code is entered correctly, the back-end server first determines whether the user has tried within one month, and if so, can directly open the basic The questionnaire, or the user is required to enter the information filled in the previous trial calculation for verification. If the information filled in the previous trial calculation is entered correctly, the basic questionnaire is opened, and it contains the option of the previous trial calculation. If the information entered is incorrect, the basic questionnaire will be opened directly.         The method for online real-time assessment of corporate loans as described in claim 1, wherein the plural basic fields of the basic questionnaire include a uniform number field, a registered name field, an industry category field, an operator field, Establish a seniority field, a loan purpose field, a fund demand field, and the user's plural personal data field.         The method for real-time online assessment of corporate loans as described in claim 7, wherein the basic qualifications include whether the unified number field in the basic questionnaire is unchecked and whether the amount in the fund demand field is less than a preset amount, If at least one of them is YES, the trial calculation results page is displayed.         The method for online real-time assessment of a corporate loan as described in claim 8, wherein the back-end server directs the financial website to a credit trial page or provides a link to the credit trial page after displaying the trial calculation without results page.         The method for online real-time assessment of corporate loans as described in claim 7, wherein the basic qualifications include whether the contents filled in the field of loan use are currently available products that can provide loan trials, and if not, a page with no results for the trial is displayed.         The method for real-time online assessment of corporate loans as described in claim 1, wherein before the basic questionnaire is opened, a decision module in the back-end server is used to obtain a person's password and a person's qualification list, and judge the use according to the personal qualification list Whether the person is eligible for a loan.         The method for real-time online assessment of corporate loans as described in claim 11, wherein the company's relevant information includes a company password, a company and person-in-charge qualification list, a person-in-charge advanced questionnaire number and response information, and at least one pre-review information And a company's advanced questionnaire number and answering information. Before the advanced questionnaire was opened, the decision-making module obtained the company's password and the company's and person-in-charge qualification list, and judged whether the company had a loan based on the company and person-in-charge qualification list. Qualifications, and obtain the person in charge of the advanced questionnaire number and answering information, the pre-review information and the company's advanced questionnaire number and answering information from a database of the back-end server.         The method for real-time online assessment of corporate loans as described in claim 1, further includes entering or not entering additional information on the financial website, including the website of at least one of the company's official website, auction website, and online mall.         The method for online real-time assessment of corporate loans as described in claim 1, wherein the value of the trial result on the trial results page includes the loanable amount, the loan period, the loan interest rate and the total amount payable per period.         The method for online real-time assessment of corporate loans as described in claim 14, wherein the loan amount and loan period in the trial result page can be adjusted to generate different total payables per period.         The method for real-time online assessment of corporate loans as described in claim 15, further includes a loan application page, including the user's multiple personal data fields, the company's multiple registration data fields, and an application button to fill in these individuals After the information fields and these registration information fields, press the Apply button to send a loan application message.         The method for online real-time evaluation of a corporate loan as described in claim 16, wherein after the loan application message is sent, the back-end server receives the loan application message and sends an email to the user.         A system for online real-time evaluation of corporate loans, including: a financial website, at least one user enters an identification code to log in to the financial website, and completes a basic questionnaire and an advanced questionnaire. The financial website finally shows a trial without results Page or a trial results page; and at least one back-end server connected to the financial website, receiving the identification code for verification, and determining whether the content of the basic questionnaire meets at least one basic qualification, and if so, obtain the user Plural related information of one of the companies represented, and opened the advanced questionnaire for the user to fill in, and performed a trial calculation based on the advanced questionnaire after filling out, generating the trial result page, providing at least one trial result value to the user If the content of the basic questionnaire does not meet the basic qualifications or the advanced questionnaire trial has no results, a trial without results page is displayed on the financial website.         The system for online real-time evaluation of corporate loans as described in claim 18, wherein the back-end server further includes a decision-making module, which obtains a person's password and a qualification list before the basic questionnaire is opened, and judges based on the personal qualification list Whether the user is eligible for a loan, and obtained a company password and a company and person-in-charge qualification list before the advanced questionnaire is opened. Based on the company and person-in-charge qualification list, determine whether the company is eligible for a loan, the company password and the The qualification list of the company and the person in charge is the relevant information of the company.         The online real-time evaluation system for corporate loans as described in claim 18, wherein the back-end server further includes a database to obtain an advanced questionnaire number and answering information for the person in charge, at least one pre-review information and one company advanced The questionnaire number and answering information are the relevant information of the company.         The system for online real-time evaluation of a corporate loan as described in claim 18, wherein the identification code is a mobile phone number, a SMS system sends a verification code to the mobile phone number, and the user enters the verification code on the financial website, The back-end server determines whether the verification code is correct.         The system for online real-time assessment of corporate loans as described in claim 18, wherein the plural basic fields of the basic questionnaire include a uniform number field, a registered name field, an industry category field, an operator field, One set up a seniority field, a loan purpose field, a fund demand field, and the user's plural personal data field.         The system for online real-time assessment of corporate loans as described in claim 22, wherein the basic qualifications include whether the unified number field is unchecked, whether the amount in the fund demand field is less than a preset amount, and the loan purpose field Whether the contents filled in are the current products that can provide loan calculations.