TW202236129A - Method and system for financial proof - Google Patents

Abstract

A method and a system for financial proof are provided. The system provides an application platform that allows an applicant to submit application data for a specific item; an outbound system that provides an outbound interface for processing an outbound procedure for confirming the applicant’s working status; and a main server having a database. The method for financial proof is operated in the main server. Firstly, the main server receives the application data for an application item through the application platform. After the applicant is identified, the main server obtains the applicant’s identification data. The outbound system performs the outbound procedure to an external organization for confirming the applicant’s working status. Therefore, the system can rely on several financial characteristics such as applicant’s historical records, tax payment records and working status to determine whether or not the applicant is qualified to pass the application.

Description

Financial Proof Method and System

The specification proposes a method for proving financial capacity, especially a method and system that can automatically perform financial proof based on the information and records provided by customers.

If the general public needs cash, such as loans, credit card applications, and credit limit increases, they need to prepare various financial proof documents, such as past credit information, financial information, payment records, or the current company, etc. Certification documents, so that financial institutions can conduct audits based on these financial certification documents, and if necessary, conduct credit investigations, and finally determine whether the applicant is eligible to apply for a loan or credit card.

However, according to the conventional knowledge, the method of manually checking the financial proof documents submitted by the applicant often consumes manpower and time, and cannot solve the urgent needs of the applicants, and a more efficient method is urgently needed.

In order to provide an effective method for auditing financial resources, the Disclosure Document discloses a financial certification method and a system for operating the method. Through an automatic financial certification program, the applicant's financial resources can be quickly and efficiently proved.

According to the embodiment, a financial proof system is proposed. The system proposes an application platform, which can provide the applicant with the application materials for an application project through the network interface; proposes an outbound system, provides an outbound interface, and can connect to a public switched telephone Network (PSTN), execute the outbound program, including the ability to dial out to an external unit to confirm the applicant's work status; propose a main server with a database, which can be executed through one or more processors Method of Proof of Financial Strength.

According to an embodiment of the method, in the financial proof method, the application platform receives the applicant's application data for an application project, and after being authenticated by the main server, the applicant's identification data can be obtained. Then, the identity information of the applicant can be obtained according to the identification information of the applicant, and then the out-dialing procedure is executed through the out-dialing system to confirm the applicant's work status. Then, the applicant’s historical records or tax payment records can be obtained. According to one or more financial characteristics of the applicant’s work status, historical records and tax payment records, it can be judged whether the applicant’s financial resources have been obtained Eligibility to apply for the program.

Further, the outbound program executed by the outbound system includes first obtaining the applicant's working status from the external unit according to the applicant's identification data, so as to judge the repayment ability, and after obtaining the communication method of the external unit , first forming a voice message, and then converting the voice message to generate an outbound voice. Afterwards, according to the communication method of the external unit, the outbound call is made to the external unit, and the outbound voice is played after the connection is made. At this time, the external unit can use an interactive voice response system to respond to the voice inquiring about the relevant information of the applicant, similarly generate voice information, receive it by the outbound system, and then record the voice sent by the external unit, which can be converted into text by the main server The uttered voice can interpret the applicant's working status from the written voice.

Further, in the above step of judging whether the applicant is qualified to apply for the project, the financial characteristics of the applicant are also evaluated by a grouping method. In this grouping method, a salary distribution model is first introduced, which can be the salary distribution result obtained from big data. Therefore, after comparing the salary distribution model, the applicant’s group can be judged according to the applicant’s identification data, and then obtained Find out the salary distribution of the group to which the applicant belongs, and judge the probability of the applicant passing the application project.

Preferably, the application item proposed by the applicant is a loan or credit line, which is sorted by calculating the credibility of the financial characteristics, and judges whether the applicant is qualified for the application item according to the highest-ranked item.

In order to further understand the features and technical content of the present invention, please refer to the following detailed description and drawings related to the present invention. However, the provided drawings are only for reference and description, and are not intended to limit the present invention.

The implementation of the present invention is described below through specific specific examples, and those skilled in the art can understand the advantages and effects of the present invention from the content disclosed in this specification. The present invention can be implemented or applied through other different specific embodiments, and various modifications and changes can be made to the details in this specification based on different viewpoints and applications without departing from the concept of the present invention. In addition, the drawings of the present invention are only for simple illustration, and are not drawn according to the actual size, which is stated in advance. The following embodiments will further describe the relevant technical content of the present invention in detail, but the disclosed content is not intended to limit the protection scope of the present invention.

It should be understood that although terms such as "first", "second", and "third" may be used herein to describe various elements or signals, these elements or signals should not be limited by these terms. These terms are mainly used to distinguish one element from another element, or one signal from another signal. In addition, the term "or" used herein may include any one or a combination of more of the associated listed items depending on the actual situation.

The disclosure document discloses a financial proof method and a financial proof system for running this method. First, please refer to the schematic diagram of an embodiment of the financial proof system architecture shown in FIG. It is realized by computer technologies such as software programs in each host.

The figure shows that the main components of the system are an application platform 12, a main server 14, and an outbound dialing system 16, which can be connected to each other in the form of a network, a line, etc., and can be realized by matching software with a host computer. Among them, the system proposes an application platform 12, The application platform 12 can be realized by running a web server (web server) in a specific server, and can provide applications through various fields and forms on a network interface (such as a web page, a software program (APP) of a mobile device, etc.) A person submits application materials for an application project through the network 10, including identification materials related to the identity of the applicant. The diagram shows that applicants can use various user devices 101, 102, 103 to log in to the application platform 12 via the network 10, and after identity authentication, they can obtain relevant application forms online, and guide applicants to apply and submit identity documents .

The system also proposes an outbound system 16, which can be an independently operated computer host or server, or a software service running in a specific server, which provides an outbound interface to connect to the Public Switched Telephone Network (PSTN). Telephone Network, PSTN) 18 or a specific network system. In this example, the external unit 19 can be connected through the public switched telephone network 18, and an outbound dialing procedure is executed through the voice communication technology to dial out to the external unit 19 (such as labor insurance bureau, insurance company, telecommunication provider, relevant government departments, etc.) , the main purpose is to confirm the applicant's working status, obtain the applicant's working status and labor health insurance information, such as on-the-job, resignation, and waiting for work, so as to judge whether the applicant has the repayment ability and the affordable repayment amount, etc. Information.

The financial proof system also has a main server 14 that mainly operates the financial proof method, in which there is a database, such as a user database for managing user data, each user's transaction history in a specific financial institution or tax payment. records etc. The main server 14 can be realized by a computer mainframe, a server or a specific form of computer system, and utilizes one or more processors to implement the method for proving financial resources.

According to one embodiment, the applicant submits an application for a specific financial service through the application platform 12, such as a loan, credit card application, credit limit increase and other financial services that require financial support. According to various materials submitted by the applicant, the financial certification system can obtain the applicant's identification data, so as to facilitate subsequent use of user identification data for various data acquisition and verification.

FIG. 2 then shows a schematic diagram of an embodiment of the functional modules in the financial proof system.

According to the illustrated embodiment, there is a database in the main server 14, which can be divided into a user database 201 for storing customer data according to functions, which records the basic information of each user (who may become an applicant for financial services). Information, authentication information and communication information, such as user name, age, ID card number, insurance information, contact information, work location, job title and telephone number, etc., and can be updated at any time. The database also includes a historical database 204, which records the transaction history data of each user in a specific financial institution, such as past credit data, loan data, credit card repayment records, etc., which can become one of personal financial characteristics. The main server 14 is provided with a question bank 202, and this question bank 202 records the voice information that needs to be formed according to various purposes when dialing out to the external unit 19, and can become the voice for dialing out after being combined.

The main server 14 is provided with a calculation module 203 for operating the financial proof method, and the calculation module 203 is to utilize one or more processors and memories of the host computer to run the financial proof method, wherein the processor executes the method stored in the memory Code that executes automated procedures for proving financial strength. The main server 14 can realize an application platform (12, Figure 1) through the software program, or realize the application platform with a computer host or server, so that the main server 14 can receive the applicant through the application platform (12) The application materials for a specific application project can obtain the identification data of the applicant after identity authentication.

The external dialing system 16 of the financial proof system can obtain the user identification data 211 from the server 14. In this example, the external dialing interface 212 is used to connect to the public switched telephone network 18. When dialing to the external unit 19, voice messages can be communicated with each other. According to the embodiment, the out-dialing system 16 obtains the identification data of the applicant independently from the server 14, and records the applicant's name, name, date of birth, ID number and other data, and cooperates with the question bank 202 to form a voice for out-dialing to the external unit 19 Information, voice information continues to be converted into outbound voice through the voice conversion module 213 and natural speech model 216 of the outbound system 16, so as to be dialed out to the external unit 19 after dialing through the outbound interface 212.

Afterwards, according to the embodiment, the external unit 19 may respond to the voice sent by the outbound system 16 manually or automatically by an interactive voice processing module (Interactive Voice Response, IVR) 221, and the voice receiving module 214 in the outbound system 16 That is, the voice generated by the external unit 19 is received, and then processed by the voice processing module 215 and the natural voice model 216 into text content. The text content can relate to the applicant's employment status, job title, company, insurance status, etc. The main server 14 can then be provided as one of the financial characteristics for judging whether the applicant has the qualification to pass the application.

For example, the external unit 19 such as the joint recruitment center, the outbound dialing system 16 can confirm the latest company employed according to the identity information of the applicant. The external unit 19 can be a public data server that provides information such as specific company information, unified number, scale, and operating status. After voice inquiry, it can respond to the information of the applicant's company. Similarly, the response result can form the applicant's One of the characteristics of financial resources.

For the relevant financial proof method, please refer to the flow chart of the main embodiment shown in FIG. 3 .

In this process, at the beginning, as in step S301, the applicant fills in the application form through the network interface provided by the application platform, and the main server receives the applicant’s application data for a certain application project through the application platform, and can obtain the identification of the applicant data, and perform identity authentication, as in step S303. The identity authentication method is not limited to a specific method, and can be authenticated through the applicant's image, identification data and application documents, or with other technologies (such as mobile devices, APPs, emails, etc.).

Afterwards, when the outbound system obtains the user identification information, it can obtain the appropriate one or more external units and corresponding communication methods (such as network communication methods, telephone numbers, etc.) based on the information, as in step S305, and then One of the purposes of executing the outbound procedure is to obtain the applicant's work status, including whether the applicant is employed, the seniority and title of the company, the applicant's insurance information, etc., and can also obtain company information through a specific external unit, unified number, With reference to the general salary levels of related industries under their professional titles, such as scale and operating conditions, these information can be used to estimate the applicant’s salary, which becomes one of the financial characteristics of the applicant, and then judges its repayment ability. Further outbound procedures can refer to the flow of the embodiment shown in FIG. 4 .

In addition to obtaining the above information from external units, as in step S307, historical records can be obtained from the database of the main server system, or as in step S309, the applicant's tax payment records can also be obtained through internal or external databases. Up to this step, the financial proof system can judge whether the applicant's financial capacity is eligible for the application project based on one or more financial features of the applicant's work status, historical records, and tax payment records.

However, regardless of whether the system can find enough information to prove the applicant's financial resources, or whether the applicant can submit any documents that can prove its financial resources, the system can still continue to execute the clustering method, such as step S311, a clustering algorithm can be applied to the clustering method This is a method (such as K-means), which is a method of grouping applicants according to their name, age, industry, title and seniority of the company based on the data analysis results. The grouping results can estimate the applicant's salary (weekly salary, monthly salary, annual salary, etc.), and based on this, assess whether there is a chance that the financial conditions for obtaining a loan will not be met? If there is a chance that the loan cannot be passed, another classification algorithm (such as Light GBM) is performed to determine whether the applicant's salary meets the financial conditions for obtaining a loan (the lower salary limit). For the grouping method, reference may be made to the flow chart of the embodiment shown in FIG. 5 .

The financial proof method proposed in the disclosure letter is to obtain the applicant’s historical records in step S307 of the above process, obtain the applicant’s tax payment records in step S309, and/or the results of grouping in step S311 (one or any combination) to form one or more A financial characteristic, so that the system can judge whether the applicant's financial resources are qualified for the application project.

According to an embodiment, the above several financial characteristics can be judged based on a credibility, and the calculation method of the credibility is mainly to evaluate the weight according to the sources of acquisition of various financial characteristics. For example, if the applicant's tax payment records come from official sources, the weight of credibility is relatively high; if the applicant's transaction records are scattered in different sources (such as banks), the transaction records that the system can obtain and If it is incomplete, the credibility of this financial feature is poor, and the weight given to this historical record is not high; if the result of the applicant's clustering method just crosses the lower salary limit, the weight given is not high. By analogy, the system can evaluate the credibility based on various financial characteristics, and then, as in step S313, perform a credibility ranking on the above historical records, tax payment records and grouping and classification results, so that the system can perform a credibility ranking according to the credibility ranking. Whether to pass the application project proposed by the applicant, for example, when ranking the credibility, judge the applicant's historical record, tax payment record and group classification results with the highest credibility, so as to determine whether the applicant is eligible for the application project , as in step S315 in the process.

Figure 4 shows the flow chart of an embodiment of the outbound program in the financial proof method. The process is mainly applied in the outbound system. The outbound system can be an independent host or server, or a service run by a software program in a specific server. Embodiment Refer to the functional modules shown in Figure 2.

According to an embodiment of the outdialing program executed by the outbound system, at the beginning, such as step S401, the outbound system receives the identification data of the user (applicant) provided by the main server, such as step S403, so that the outbound system in the outbound system The software program obtains the applicant's name, address, ID number and other identifiable information based on the identification data, and after inquiring the communication method of the external unit, it can generate voice information according to the question bank in the outbound dialing system.

Afterwards, as in step S405, utilize the software program in the outdialing system to convert the voice information into outdialing voice, as in step S407, form the outdialing voice, and as in step S409, the outdialing system executes outdialing according to the communication mode of the external unit , such as dialing a phone number or communicating over the Internet. Afterwards, as in step S411, the outbound voice is played after the call is connected. At this time, in addition to artificial voice communication, it can also be connected with the interactive voice response system in the external unit, and the interactive voice response system can automatically respond to the voice sent by the outbound system. Afterwards, as in step S413, the software program in the outbound system receives and records the voice of the external unit, and as in step S415, converts it into text to form a record, and the applicant's working status can be interpreted through the textized voice. Afterwards, as in step S417, it is stored in the outbound system. Finally, the result can be sent back to the main server, as in step S419, so that the main server can obtain the applicant's work status according to the voice of the external unit provided by the outbound system.

According to the above embodiment, if in a situation, for example, when there is no (or incomplete, unreliable) history record or tax payment record, the above outbound program can be run to confirm the applicant's work status. In addition, the machine learning method can also be used to judge based on the grouped salary distribution based on the information provided by the applicant (basic information, industry, marital status, professional title, seniority, etc.) and joint collection data (joint credit bureaus). Results of applicant grouping, and subsequent classification. Among them, the classification method is a technology based on one or more independent variables to determine the category of the dependent variable. It is applied to the proof of financial resources, and the method of logistic regression can be applied to establish questions for specific application items (which can be obtained from the question bank) to inquire about the application. A variety of questions were asked, and the responses were binary classified to calculate the probability of eligibility.

Fig. 5 shows the flow chart of an embodiment of the grouping method in the financial proof method.

The main server starts to execute the grouping algorithm (step S501), and first introduces the salary distribution model (step S503). The embodiment can refer to the box-and-whisker diagram shown in Figure 6, according to the basic information in the applicant identification information, and through the outbound program Determine the applicant's group based on the confirmed work status (such as in-service, job title, seniority, industry, etc.) (step S505), and obtain the probability of passing the application from the salary distribution model to determine whether there is a probability of failing to pass the application (step S507). Among them, according to the salary distribution in the salary distribution model (for example, refer to the upper and lower limits), when the applicant has no probability of failing to pass the application project (No), step S509 can be executed, and the system will confirm that the applicant has obtained the qualification, and further draw the application Conversely, when the applicant has a probability of not passing the application (Yes), as in step S511, continue to execute the classification algorithm.

When the applicant has a probability of failing the application program, continue to implement a classification method, according to one embodiment, wherein a plurality of characteristics about the applicant in the applicant's identification data will be passed through a decision tree algorithm based on a histogram , find out the best dividing point (decision tree) for classification (step S513), and finally evaluate the credibility of the financial characteristics of the applicant according to the classification results to determine whether the application project can be passed (step S515).

In this way, according to the description of the above embodiments, the financial proof system obtains the applicant's historical records or tax payment records based on the applicant's identification information, and then cooperates with the grouping or classification results to form one or more financial characteristics, and judges the application accordingly. Whether the person's financial resources are eligible to apply for the project.

FIG. 6 schematically shows a schematic diagram of an example of using a box-and-whisker plot in the clustering algorithm.

This example shows the salary distribution model used by the clustering algorithm, showing the salary distribution in different age groups (or other conditions), that is, allowing the system to group according to the salary status of each age group (or other conditions) before judging the application A group of people, and can estimate the salary level of the applicant based on this. In this example, the box-and-whisker plot shows the probability of salary distribution of each group, and the salary difference among them is small, and each group represents the upper and lower limits of the salary of the group, forming a lower bound 601 for grouping. After grouping, compare the lower bound 601 of the group, if the applicant’s salary has no probability of being lower than the lower bound 601 of the group, it means that the applicant’s salary exceeds the lower bound 601 of the group, that is, it is judged that the applicant can obtain the qualification for the application project; otherwise, if the applicant belongs to the group If the salary lower limit is lower than the grouping lower bound 601, the classification algorithm will continue to be executed.

To sum up, according to the method and system for proving financial resources disclosed in the above embodiments, the system automatically judges the financial resources of applicants applying for a certain project through data collection, big data analysis, machine learning, outbound procedures, grouping or classification methods and other technologies , in one application, the application item proposed by the applicant can be a loan or credit line (such as credit card application, line increase, etc.), and a sorting is carried out by calculating the credibility of the above-mentioned one or more financial characteristics, and according to the ranking The highest judges whether the applicant is eligible to apply for the program.

The content disclosed above is only a preferred feasible embodiment of the present invention, and does not therefore limit the scope of the patent application of the present invention. Therefore, all equivalent technical changes made by using the description and drawings of the present invention are included in the application of the present invention. within the scope of the patent.

101, 102, 103: user devices 10: Internet 12: Application platform 14: Main server 16: Outbound dialing system 18:Public Switched Telephone Network 19: External unit 201: User database 202: Question bank 203: Calculation module 204: Historical database 211: User identification information 212: Outbound interface 213:Voice conversion module 214:Voice receiving module 215:Voice processing module 216: Natural Speech Model 221:Interactive voice processing module 601: The lower bound of grouping Steps S301-S315: Flowchart of financial proof method Steps S401-S419: Diagram of outbound dialing Steps S501-S515: flow chart of grouping method

Figure 1 shows a schematic diagram of an embodiment of the financial proof system architecture;

Fig. 2 shows the schematic diagram of the embodiment of the function module in the financial proof system;

Fig. 3 shows the flow chart of the main embodiment of the financial proof method;

Fig. 4 shows the flow chart of the embodiment of the dialing program in the financial proof method;

Fig. 5 shows the flow chart of an embodiment of the grouping method in the method for proving financial resources; and

FIG. 6 shows a schematic diagram of an example of using a box-and-whisker plot in the clustering algorithm.

101, 102, 103: user device

10: Internet

12: Application platform

14: Main server

16: Outbound dialing system

18:Public Switched Telephone Network

19: External unit

Claims (10)

A financial proof method, operating in a system, including: Receive an applicant's application materials for an application project through an application platform, and obtain the applicant's identification data after identity authentication; Execute an outbound procedure based on the applicant's identification information to confirm the applicant's work status; Obtain the applicant's historical records or add tax payment records based on the applicant's identifying information; and According to one or more financial characteristics of the applicant's work status, historical records and tax payment records, it is judged whether the applicant's financial resources are eligible for the application project. The financial proof method as described in Claim 1, wherein the outbound procedure includes: Forming a voice message according to the communication method of the applicant's identification data with an external unit; converting the voice information to generate an outbound voice; According to the communication mode of the external unit, dial out to the external unit, and play the outbound voice after connecting; receive and record voices from the external unit; and Texting the voice from the external unit, wherein the working status of the applicant is deciphered from the texting voice. The method for proving financial resources as described in claim 2, wherein the method for proving financial resources is executed in a main server, the outdialing program is executed by an outdialing system, and the main server provides the voice of the external unit according to the outdialing system Find out the job status of the applicant. The method for proving financial resources as described in Claim 1, wherein, in the step of judging whether the applicant is qualified for the application project, a grouping method is also used to evaluate the financial characteristics of the applicant, and the grouping method includes: Introduce a salary distribution model; Determine the group to which the applicant belongs based on the applicant's identifying information against the salary distribution model; and According to the salary distribution of the group to which the applicant belongs, the probability of the applicant passing the application project is judged. The financial proof method as described in Claim 4, wherein, when the applicant has no chance of failing to pass the application project, the applicant’s salary is directly estimated, which becomes one of the financial characteristics of the applicant; when the application When there is a probability that a person cannot pass the application project, continue to implement a classification method, according to multiple characteristics of the applicant in the applicant's identification data, through a decision tree algorithm based on a histogram, the applicant's financial characteristics to determine whether the application can be approved. The financial proof method as described in any one of claim items 1 to 5, wherein the application item proposed by the applicant is a loan or credit line, and a ranking is carried out by calculating the credibility of the one or more financial features, Judging whether the applicant meets the qualifications of the application program according to the highest ranking among them. A financial proof system comprising: An application platform, providing an applicant with application materials for an application project through a network interface; An outbound system that provides an outbound interface to execute an outbound program to dial out to an external unit to confirm the applicant's work status; A master server with a database, and one or more processors therein execute a financial proof method, including: Receive the applicant's application materials for the application project through the application platform, and obtain the applicant's identification data after identity authentication; Executing the outbound procedure through the outbound system based on the applicant's identification information to confirm the applicant's work status; Obtain the applicant's historical records or add tax payment records based on the applicant's identifying information; and According to one or more financial characteristics of the applicant's work status, historical records and tax payment records, determine whether the applicant is eligible for the application project. The financial proof system as described in claim 7, wherein the outdialing program executed by the outbound system includes: Forming a voice message according to the communication method between the applicant's identification data and the external unit; converting the voice information to generate an outbound voice; According to the communication mode of the external unit, dial out to the external unit, and play the outbound voice after connecting; receive and record voices from the external unit; and Texting the voice from the external unit, wherein the working status of the applicant is deciphered from the texting voice. The financial capability certification system as described in Claim 7, wherein, in the step of judging whether the applicant is qualified for the application project, the financial capability characteristics of the applicant are also evaluated through a grouping method, the grouping method includes: Introduce a salary distribution model; Determine the group to which the applicant belongs based on the applicant's identifying information against the salary distribution model; and According to the salary distribution of the group to which the applicant belongs, determine the probability of the applicant passing the application project; Among them, when the applicant has no probability of failing to pass the application project, the salary of the applicant is directly estimated, which becomes one of the financial characteristics of the applicant; when the applicant has the probability of failing the application project, Continue to implement a classification method, according to the multiple characteristics of the applicant in the applicant's identification information, through the decision tree algorithm based on the histogram, the financial characteristics of the applicant are obtained to determine whether the application can be approved project. The financial proof system as described in any one of claims 7 to 9, wherein the application item submitted by the applicant is a loan or credit line, and a ranking is performed by calculating the credibility of the one or more financial features, Judging whether the applicant meets the qualifications of the application program according to the highest ranking among them.

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