TW202109424A

TW202109424A - Loan repayment reminder system

Info

Publication number: TW202109424A
Application number: TW108130139A
Authority: TW
Inventors: 李宗昇; 洪嘉亨; 黃馨儀
Original assignee: 兆豐國際商業銀行股份有限公司
Priority date: 2019-08-23
Filing date: 2019-08-23
Publication date: 2021-03-01
Also published as: TWI783167B

Abstract

The present disclosure provides a loan repayment reminder system including a server and an electronic device coupled to the server. The server transmits a message including a hyperlink to the electronic device at a time point before a loan repayment date corresponding to an account, wherein the electronic device corresponds to a default phone number and the default phone number corresponds to the account and an identification recognition code. The electronic device receives a click operation of the hyperlink to login to a verification platform and receives a phone number input on the verification platform. When the phone number input is same with the default phone number, the server transmits a password to the electronic device corresponding to the default phone number. The electronic device receives a password input and an identification recognition code input on the verification platform. When the password input is same with the password and the identification recognition code input is same with the identification recognition code, the server transmits a bar code to the electronic device.

Description

Loan repayment reminder system

本揭露是有關於一種貸款還款提醒系統，且特別是有關於一種避免客戶延遲繳款的貸款還款提醒系統。This disclosure relates to a loan repayment reminder system, and in particular, it relates to a loan repayment reminder system that prevents customers from delaying payment.

一般來說，當客戶向銀行進行貸款(例如，房貸)時，客戶必須每個月定期向銀行繳納貸款。當客戶在貸款還款期限還沒完成繳納時，會有違約金的產生。因此，如何協助客戶在貸款還款期限前完成繳款，是本領域技術人員應致力的目標。Generally speaking, when a customer makes a loan (for example, a house loan) to a bank, the customer must pay the loan to the bank regularly every month. When the customer has not completed the payment within the loan repayment period, there will be liquidated damages. Therefore, how to assist customers to complete payment before the loan repayment deadline is the goal that those skilled in the art should strive for.

本揭露提供一種貸款還款提醒系統，能夠避免客戶延遲繳款而產生違約金。This disclosure provides a loan repayment reminder system, which can prevent customers from delaying payment and causing liquidated damages.

本揭露提出一種貸款還款提醒系統，包括伺服器及電子裝置耦接到伺服器。伺服器在對應帳號的貸款還款日之前的時間點傳送包括超連結的訊息到電子裝置，其中電子裝置對應預設電話號碼且預設電話號碼對應帳號及身分識別碼。電子裝置接收超連結的點擊操作以登入伺服器的驗證平台並在驗證平台上接收電話號碼輸入。當電話號碼輸入與預設電話號碼相同時，伺服器傳送密碼到對應預設電話號碼的電子裝置。電子裝置在驗證平台上接收密碼輸入及身分識別碼輸入。當密碼輸入與密碼相同且身分識別碼輸入與身分識別碼相同時，伺服器傳送條碼到電子裝置。This disclosure proposes a loan repayment reminder system, which includes a server and an electronic device coupled to the server. The server sends a message including a hyperlink to the electronic device at a time point before the loan repayment date of the corresponding account, where the electronic device corresponds to a preset phone number and the preset phone number corresponds to an account and an identity code. The electronic device receives the click operation of the hyperlink to log in to the verification platform of the server and receive the phone number input on the verification platform. When the phone number input is the same as the preset phone number, the server sends the password to the electronic device corresponding to the preset phone number. The electronic device receives password input and identification code input on the verification platform. When the password input is the same as the password and the identity code input is the same as the identity code, the server sends the barcode to the electronic device.

在本揭露的一實施例中，上述超連結還包括文字訊息，文字訊息包括提醒還款內容。In an embodiment of the present disclosure, the above-mentioned hyperlink further includes a text message, and the text message includes the content of a repayment reminder.

在本揭露的一實施例中，上述電子裝置包括對應預設電話號碼的用戶身分模組卡。In an embodiment of the present disclosure, the above-mentioned electronic device includes a user identity module card corresponding to a preset phone number.

在本揭露的一實施例中，上述驗證平台為驗證網頁或驗證應用程式。In an embodiment of this disclosure, the verification platform is a verification webpage or a verification application.

在本揭露的一實施例中，上述密碼為一次性密碼。In an embodiment of the present disclosure, the above-mentioned password is a one-time password.

在本揭露的一實施例中，上述密碼具有到期時間。In an embodiment of the present disclosure, the aforementioned password has an expiration time.

在本揭露的一實施例中，當電子裝置在到期時間後在驗證平台上接收密碼輸入及身分識別碼輸入，且密碼輸入與密碼相同且身分識別碼輸入與身分識別碼相同時，伺服器傳送密碼過期警示且不傳送條碼到電子裝置。In an embodiment of this disclosure, when the electronic device receives the password input and the identity code input on the verification platform after the expiration time, and the password input is the same as the password and the identity code input is the same as the identity code, the server Send a password expiration warning and not send a barcode to the electronic device.

在本揭露的一實施例中，上述條碼為一維條碼或快速反應碼。In an embodiment of the present disclosure, the above-mentioned barcode is a one-dimensional barcode or a quick response code.

在本揭露的一實施例中，上述條碼包括帳號的帳號資訊及還款金額資訊。In an embodiment of the present disclosure, the aforementioned barcode includes account information and repayment amount information of the account.

在本揭露的一實施例中，上述當伺服器接收對應帳號的繳費完成通知時，該伺服器傳送繳費完成通知訊息到電子裝置。In an embodiment of the present disclosure, when the server receives the payment completion notification of the corresponding account, the server sends a payment completion notification message to the electronic device.

基於上述，本揭露的貸款還款提醒系統會在貸款還款日之前傳送包括超連結的訊息到貸款人的電子裝置。貸款人點擊超連結以登入伺服器的驗證平台並在驗證平台上輸入電話號碼。當電話號碼驗證成功時，伺服器傳送一次性密碼到對應電話號碼的電子裝置。接著，貸款人可在驗證平台上輸入密碼及身分識別碼。當密碼與身分識別碼驗證成功時，伺服器會傳送包括帳號資訊及還款金額資訊的條碼到電子裝置。貸款人就可持上述條碼進行貸款繳費。Based on the above, the loan repayment reminder system of the present disclosure will send a message including a hyperlink to the lender’s electronic device before the loan repayment date. The lender clicks on the hyperlink to log in to the verification platform of the server and enter the phone number on the verification platform. When the phone number is verified successfully, the server sends the one-time password to the electronic device corresponding to the phone number. Then, the lender can enter the password and identification code on the verification platform. When the password and ID verification are successful, the server will send a barcode including account information and repayment amount information to the electronic device. The lender can use the above barcode to make loan payment.

為讓本揭露的上述特徵和優點能更明顯易懂，下文特舉實施例，並配合所附圖式作詳細說明如下。In order to make the above-mentioned features and advantages of the present disclosure more comprehensible, the following specific embodiments are described in detail in conjunction with the accompanying drawings.

圖1為根據本揭露一實施例的貸款還款提醒系統的方塊圖。Fig. 1 is a block diagram of a loan repayment reminder system according to an embodiment of the disclosure.

請參照圖1，本揭露一實施例的貸款還款提醒系統100包括伺服器110及電子裝置120。電子裝置120耦接到伺服器110。伺服器110例如是銀行伺服器且電子裝置120例如是貸款人所持有的智慧型手機或平板電腦等裝置。電子裝置120透過有線或無線通訊耦接到伺服器110。當伺服器110判斷貸款人的貸款還款日即將到期時，伺服器110可提供提醒功能及驗證平台(例如，驗證網頁或驗證應用程式)讓貸款人利用驗證平台通過驗證後取得繳款條碼，並利用繳款條碼進行貸款還款。如此一來可避免貸款戶遲繳貸款而產生違約金。Please refer to FIG. 1, the loan repayment reminder system 100 of an embodiment of the present disclosure includes a server 110 and an electronic device 120. The electronic device 120 is coupled to the server 110. The server 110 is, for example, a bank server and the electronic device 120 is, for example, a device such as a smartphone or a tablet held by a lender. The electronic device 120 is coupled to the server 110 through wired or wireless communication. When the server 110 determines that the loan repayment date of the lender is about to expire, the server 110 can provide a reminder function and a verification platform (for example, a verification webpage or a verification application) so that the lender can obtain a payment barcode after verification through the verification platform , And use the payment barcode for loan repayment. In this way, liquidated damages can be avoided due to late payment of loans by lenders.

在一實施例中，伺服器110在對應帳號(即，貸款人的銀行貸款帳號)的貸款還款日之前的時間點(例如，還款日前一週)傳送包括超連結的訊息到電子裝置120，訊息可為簡訊訊息並進一步包括具有提醒還款內容的文字訊息，若貸款人已繳費則可忽略。電子裝置120對應預設電話號碼且預設電話號碼對應帳號及身分識別碼(例如，身分證字號)。電子裝置120包括對應該預設電話號碼的用戶身分模組(Subscriber Identity Module，SIM)卡。預設電話號碼例如是貸款人的手機號碼且銀行會儲存貸款人的手機號碼、貸款帳號及身分證字號等對應資訊。電子裝置120接收貸款人對超連結的點擊操作以登入伺服器110的驗證平台並在驗證平台上接收貸款人輸入電話號碼。當貸款人輸入的電話號碼與預設電話號碼相同時，伺服器110傳送密碼到對應預設電話號碼的電子裝置120，也就是貸款人所持有的電子裝置120。在電話號碼驗證成功後，電子裝置120在驗證平台上接收貸款人的密碼輸入及身分識別碼輸入。當密碼輸入與密碼相同且身分識別碼輸入與身分識別碼相同時，伺服器110傳送條碼(例如，一維條碼或快速反應碼)到電子裝置120。由於條碼中包括帳號的帳號資訊及還款金額資訊，貸款人即可持上述條碼到繳費處(例如，超商)繳費。當貸款人完成繳費時，伺服器110會接收對應帳號的繳費完成通知，並傳送繳費完成通知訊息到電子裝置120。In one embodiment, the server 110 transmits a message including a hyperlink to the electronic device 120 at a time point (for example, one week before the repayment date) of the corresponding account (ie, the bank loan account of the lender). The message may be a short message and further includes a text message with the content of reminding the repayment, which can be ignored if the lender has already paid the fee. The electronic device 120 corresponds to a preset phone number, and the preset phone number corresponds to an account number and an identification code (for example, an ID number). The electronic device 120 includes a Subscriber Identity Module (SIM) card corresponding to the preset phone number. The preset phone number is, for example, the mobile phone number of the lender, and the bank stores corresponding information such as the mobile phone number, loan account number, and ID number of the lender. The electronic device 120 receives the lender's click operation on the hyperlink to log in to the verification platform of the server 110 and receives the lender's phone number input on the verification platform. When the phone number entered by the lender is the same as the preset phone number, the server 110 transmits the password to the electronic device 120 corresponding to the preset phone number, that is, the electronic device 120 held by the lender. After the phone number is successfully verified, the electronic device 120 receives the lender's password input and identity code input on the verification platform. When the password input is the same as the password and the identity code input is the same as the identity code, the server 110 transmits a barcode (for example, a one-dimensional barcode or a quick response code) to the electronic device 120. Since the barcode includes the account information and repayment amount information of the account, the lender can use the barcode to pay the fee at the payment office (for example, a supermarket). When the lender completes the payment, the server 110 will receive the payment completion notification of the corresponding account, and send a payment completion notification message to the electronic device 120.

雖然在以上實施例中說明了透過一次性密碼及身分證字號進行雙重驗證，但本揭露不限於此。在另一實施例中，伺服器110也可僅透過一次性密碼或身分證字號的其中之一進行驗證，並在驗證成功後傳送條碼。Although in the above embodiments, two-factor authentication is performed through a one-time password and an ID number, the disclosure is not limited to this. In another embodiment, the server 110 can also perform verification only through one of a one-time password or an ID number, and send the barcode after the verification is successful.

在一實施例中，上述密碼例如是一次性密碼(One Time Password，OTP)且具有到期時間(例如，十分鐘)。當電子裝置120在到期時間後才在驗證平台上接收密碼輸入及身分識別碼輸入，且密碼輸入與密碼相同且身分識別碼輸入與身分識別碼相同時，伺服器110傳送密碼過期警示且不傳送條碼到電子裝置120。也就是說，即使在到期時間之後輸入正確的密碼及身分識別碼，也無法通過驗證而無法取得繳款條碼。In one embodiment, the above-mentioned password is, for example, a One Time Password (OTP) and has an expiration time (for example, ten minutes). When the electronic device 120 receives the password input and the ID input on the verification platform after the expiration time, and the password input is the same as the password and the ID input is the same as the ID, the server 110 sends a password expiration warning and does not The barcode is transmitted to the electronic device 120. In other words, even if the correct password and identification code are entered after the expiration time, the verification cannot be passed and the payment barcode cannot be obtained.

綜上所述，本揭露的貸款還款提醒系統會在貸款還款日之前傳送包括超連結的訊息到貸款人的電子裝置。貸款人點擊超連結以登入伺服器的驗證平台並在驗證平台上輸入電話號碼。當電話號碼驗證成功時，伺服器傳送一次性密碼到對應電話號碼的電子裝置。接著，貸款人可在驗證平台上輸入密碼及身分識別碼。當密碼與身分識別碼驗證成功時，伺服器會傳送包括帳號資訊及還款金額資訊的條碼到電子裝置。貸款人就可持上述條碼進行貸款繳費。In summary, the loan repayment reminder system of the present disclosure will send a message including a hyperlink to the lender’s electronic device before the loan repayment date. The lender clicks on the hyperlink to log in to the verification platform of the server and enter the phone number on the verification platform. When the phone number is verified successfully, the server sends the one-time password to the electronic device corresponding to the phone number. Then, the lender can enter the password and identification code on the verification platform. When the password and ID verification are successful, the server will send a barcode including account information and repayment amount information to the electronic device. The lender can use the above barcode to make loan payment.

雖然本揭露已以實施例揭露如上，然其並非用以限定本揭露，任何所屬技術領域中具有通常知識者，在不脫離本揭露的精神和範圍內，當可作些許的更動與潤飾，故本揭露的保護範圍當視後附的申請專利範圍所界定者為準。Although the present disclosure has been disclosed in the above embodiments, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the relevant technical field can make some changes and modifications without departing from the spirit and scope of this disclosure. Therefore, The scope of protection of this disclosure shall be subject to the scope of the attached patent application.

100:貸款還款提醒系統 110:伺服器 120:電子裝置100: Loan repayment reminder system 110: server 120: electronic device

100:貸款還款提醒系統 100: Loan repayment reminder system

110:伺服器 110: server

120:電子裝置 120: electronic device

Claims

A loan repayment reminder system, including: A server; and An electronic device coupled to the server, wherein The server sends a message including a hyperlink to the electronic device at a time point before a loan repayment date corresponding to an account, wherein the electronic device corresponds to a preset phone number and the preset phone number corresponds to the account number And an identification code; The electronic device receives a click operation of the hyperlink to log in to a verification platform of the server and receives a phone number input on the verification platform; When the phone number input is the same as the preset phone number, the server sends a password to the electronic device corresponding to the preset phone number; The electronic device receives a password input and an identification code input on the verification platform; and When the password input is the same as the password and the identity code input is the same as the identity code, the server transmits a code to the electronic device.

For example, in the loan repayment reminder system described in item 1 of the scope of patent application, the hyperlink further includes a text message, and the text message includes a repayment reminder content.

For example, in the loan repayment reminder system described in item 1 of the scope of patent application, the electronic device includes a user identity module card corresponding to the preset phone number.

For example, in the loan repayment reminder system described in item 1 of the scope of patent application, the verification platform is a verification webpage or a verification application.

For example, in the loan repayment reminder system described in item 1 of the scope of patent application, the password is a one-time password.

For the loan repayment reminder system described in item 5 of the scope of patent application, the password has an expiration time.

For example, the loan repayment reminder system described in item 6 of the scope of patent application, wherein when the electronic device receives the password input and the identification code input on the verification platform after the expiration time, and the password input and the password When the ID is the same and the ID input is the same as the ID, the server sends a password expiration warning and does not send the barcode to the electronic device.

For example, in the loan repayment reminder system described in item 1 of the scope of patent application, the barcode is a one-dimensional barcode or a quick response code.

For example, in the loan repayment reminder system described in item 1 of the scope of patent application, the barcode includes an account information and a repayment amount information of the account.

For example, in the loan repayment reminder system described in item 1 of the scope of patent application, when the server receives a payment completion notification corresponding to the account, the server sends a payment completion notification message to the electronic device.