TW202305714A - Digital housing loan data overprinting method and device capable of reducing time for reviewing a loan application document - Google Patents

Abstract

A method for overprinting digital housing loan data is disclosed. The method is executed by a digital housing loan data overprinting device. The digital housing loan data overprinting method includes transmitting, by the digital housing loan data overprinting device, a notification signal indicating the online identity verification and the user password to an electronic device; receiving, by the digital housing loan data overprinting device, an identity verification signal from the electronic device; comparing the identity verification signal with a password database to generate a verification result; generating, by the digital housing loan data overprinting device, a compliable electronic file including housing loan identify verification data based on the verification result and a housing loan database; and transmitting the compliable electronic file to the electronic device to reduce time for reviewing a loan application document.

Description

Digital housing loan information overprinting method and digital housing loan information overprinting equipment

The present invention relates to a method and equipment for checking and overwriting digital file data, in particular to a digital housing loan data overprinting method and digital housing loan data overprinting equipment.

At present, bank customers apply for loans by going to the counter or making an appointment for a guarantee location, and the bank clerk will inquire from the Joint Credit Information Center whether the customer meets the relevant conditions for applying for a loan. The customer fills in the content of the confirmation terms on the spot.

However, when the bank clerk and the customer both confirm the mortgage documents, it is easy to consume time due to too many clauses. In addition, because the content of the documents is too large, it is easy to misinterpret. Therefore, the existing loan document review method needs to be improved. .

Therefore, an object of the present invention is to provide a method for overprinting digital housing loan data by using an electronic device to judge the content of the digitalized file according to preset conditions.

Therefore, the digital housing loan data overprinting method of the present invention is executed by a digital housing loan data overprinting device, and the digital housing loan data overprinting method includes a step (A), a step (B), and a step (C).

In the step (A), the digital housing loan information overprinting device sends a notification signal indicating online insurance to an electronic device.

The step (B) is that the electronic device sends a signal according to the notification signal to the digital housing loan data overprinting device to verify the connection, and the signal has an identification code.

The step (C) is that the digital housing loan information overprinting device generates a compilable electronic file with the mortgage insurance data according to a verification result and a housing loan database, and transmits the electronic file to the electronic device, and the verification result indicates The identification code is verified, and the housing loan database has a plurality of identification codes and corresponding housing loan guarantee data for each identification code.

In addition, another object of the present invention is to provide a digital housing loan data overprinting device that uses an electronic device to determine the content of a digital file according to a preset condition.

Therefore, the digital housing loan data overprinting device of the present invention includes a bank server device and a joint credit investigation server device.

The bank server device stores a plurality of pieces of insurance application data respectively corresponding to a plurality of identity verification data, and each identity verification data corresponds to an identity identification code.

The joint credit investigation server device communicates with the bank server device.

The bank server device sends a pending credit investigation signal about an electronic device to the joint credit investigation server device, and the pending credit investigation signal indicates a credit information corresponding to an identity verification information.

The joint credit reporting server device generates a credit score according to the content of the credit information indicated by the pending credit reporting signal.

The joint credit reporting server device judges whether the credit score is greater than a preset credit threshold.

If yes, the bank server determines whether the content of a pending renewal signal received from the electronic device meets a preset renewal condition through the API, and the content of the pending renewal signal indicates the identity verification data, The bank server device searches for the corresponding insurance application data according to the identity verification data, and judges whether the content of the insurance application data meets the insurance renewal condition.

If so, the bank server device sends a notification signal indicating online insurance to the electronic device.

The electronic device sends a signal to the bank server device to verify the connection according to the notification signal, and the signal has an identification code.

According to a verification result and a housing loan database, the bank server device generates a compilable electronic file with mortgage data, and transmits the electronic file to the electronic device. The verification result indicates that the identification code has passed the verification, the The housing loan database has a plurality of identification codes and the housing loan guarantee data corresponding to each identification code.

The effect of the present invention is: after the digital housing loan data overprinting device verifies the identity verification data sent by the electronic device, it generates a compilable data for the electronic device to receive according to the verification result and the data of the housing loan database. Electronic files, thereby reducing the time for reviewing application documents.

Referring to Fig. 1 and Fig. 2, an embodiment of the digital housing loan data overprinting method of the present invention is executed by a digital housing loan data overprinting device, and the digital housing loan data overprinting device includes a bank server 2, and a communication with the bank server 2 Connected joint credit investigation server device 3, wherein the bank server device 2 is an electronic device used by the bank to provide its customers with online application for housing loans. The specific content of the bank server device 2 will be further described below.

The bank server device 2 includes a network bank server 21, a security operation server 22 connected with the joint credit investigation server device 3 and the network bank server 21, and a security operation server 22 connected with the network bank server 21. 21 and the first relay server 23 connected by communication with the security operation server 22, an application program interface server 24 electrically connected to the security operation server 22, an application program interface server 24 electrically connected to the application program interface server 24 The second relay server 25, a bank host computer 26 electrically connected to the second relay server 25, a short message platform server 27 (short message platform) electrically connected to the security operation server 22, and a short message platform server electrically connected to the The bank host computer 26 is connected with the third relay server 28 of the insurance operation server 22 .

The online banking server 21 communicates with an electronic device 4 held by a bank customer to receive digital information sent by the customer through the electronic device 4 .

The guarantee operation server 22 is used to perform credit evaluation on the credit records of bank customers through the joint credit investigation server device 3, and the joint credit investigation server 3 is, for example, a credit evaluation organization of the Financial Joint Credit Investigation Center of a foundation.

The first relay server 23 is used for forwarding the data of both the online banking server 21 and the guarantee operation server 22 .

The application program interface server 24 is written in an application program interface (API: Application Programming Interface), and is used to verify the contents of digital files and execute identity verification related procedures.

The bank host 26 is electrically connected to the second relay server 5, and writes a plurality of identity verification data and insurance data corresponding to each other. In addition, the bank host 26 and the API server 24 pass the second The relay server 5 relays and forwards the data.

The short message platform server 27 is used to transmit the information generated by the guarantee operation server 22 to the electronic device 4 in the form of SMS (Short Message Service).

The third relay server 28 is used for forwarding the data of the bank host 26 and the guarantee operation server 22 .

This embodiment is described below, including a step (S1), a step (S2), a step (S3), a step (S4), a step (A), a step (B), a step (S5), A step (C), a step (D), and a step (E).

The step (S1) is that the bank server device sends a pending credit investigation signal to the joint credit investigation server device 3, and the pending credit investigation signal indicates a credit data corresponding to an identity verification data. The joint credit investigation signal is sent by the electronic device 4, and the online bank server 21, the first relay server 23, and the guarantee operation server 22 transmit the pending credit investigation signal to the joint credit investigation Servo 3.

The step (S2) is for the joint credit reporting server device 3 to generate a credit score according to the content of the credit information indicated by the pending credit reporting signal.

In this step (S3), the joint credit reporting server device 3 judges whether the credit score is greater than a preset credit threshold.

The step (S4) is that if the judgment result of the step (S3) is yes, the bank server device 2 judges whether the content of a pending renewal signal received from the electronic device 4 conforms to a preset through the API Renewal conditions, the content of the pending renewal signal indicates the identity verification data, the bank server device 2 searches for the corresponding insurance application data according to the identity verification data, and judges whether the content of the insurance application data meets the renewal conditions, if so, Then execute this step (A). It needs to be further explained that when the joint credit investigation server device 3 judges that the credit score is greater than the credit threshold value, it means that the bank customer has a good credit record, and the bank can provide loan-related services to it, and then According to the judgment result of the joint credit investigation server device 3, the insurance matching operation server 22 triggers the API server 24 to read the identity verification data and insurance application data from the bank host 26, and uses the API to judge the The content of the renewal signal to be reviewed.

The step (A) is that the bank server device 2 sends a notification signal indicating online insurance reconciliation to the electronic device 4. When the application program interface server 24 judges that the content of the insurance application data meets the renewal conditions, the application program The interface technology generates a pair of insurance documents according to the corresponding personal information of the bank customers, which specifically displays the various conditions for renewal of the insurance that the bank customers meet, and the notification signal is generated by the insurance matching operation server 22, and then the SMS platform The server 27 will transmit the notification signal to the electronic device 4 .

The step (B) is that the electronic device 4 sends a signal to the digital housing loan data overprinting device for verification and connection according to the notification signal, and the signal has an identification code.

With reference to FIG. 3 , the step (B) includes a sub-step (B1), a sub-step (B2), a sub-step (B3), and a sub-step (B4).

The sub-step ( B1 ) is that the electronic device 4 sends a login request to the digital housing loan data printing device. Further description, the online banking server 21 receives the login request.

The sub-step (B2) is that the online banking server 21 of the digital housing loan information overprinting device generates a verification signal according to the login request, and the verification signal indicates a SMS password. In addition, the user password is a one-time password (OTP: One Time Password).

The sub-step (B3) is that the electronic device 4 returns a confirmation signal according to the verification signal, and the confirmation signal indicates a return password.

The sub-step (B4) is to generate the verification result when the online banking server 21 of the digital housing loan information overprinting device judges that the SMS password is the same as the return password.

Referring to Fig. 1 again, the step (S5) is that the API server 22 of the bank server 2 reads the content of the pending renewal signal of the electronic device 4 according to the verification result, and reads the read data Write to the mortgage database.

The step (C) is that the API server 22 of the bank server 2 generates a compilable electronic file with mortgage data based on the verification result and the mortgage database, and then the API server 22 The compilable electronic file is sent to the electronic device 4 by the online banking server 21, and the verification result indicates that the identification code has passed the verification. The mortgage database has a plurality of identification codes and each identification code Corresponding mortgage insurance data.

Wherein, the compilable electronic file is a loan contract in digital form. It should be further explained that the API server 22 first generates a pair of insurance operation menus based on the personal financial credit information, and will correspond to the personal financial information. Substituting the letter data into the protection operation menu, and using the portable file tool software and the corresponding program code to write the plug value, and further generating the compilable electronic file.

Referring to Fig. 1 and Fig. 2 again, the step (D) is that the electronic device 4 converts the compilable electronic file into an image file of signature data, and uploads it to the API server through the online banking server 21 Device 22.

In the step (E), the API server 22 of the bank server device 2 converts the format of the compilable electronic file into a portable document format (PDF: Portable Document Format).

1. When the application program interface server 24 judges that the content of the renewal signal to be reviewed is renewable, then use the one-time password technology to perform password verification on the identity verification signal returned by the electronic device 4. After the verification is passed, then use the application program The interface server 24 generates the loan contract in digital form, that is, the compilable electronic file, which can reduce the number of bankers' login operations, and the customer can confirm the content of the relevant provisions of the mortgage on the electronic device 4 in advance, and can download and sign it later. Take photos and send them back, thereby reducing the time spent on face-to-face insurance.

2. In addition, the electronic device 4 converts an image file with signature data according to the compilable electronic file, so that the bank server device 2 can store the file as a portable file, so all data are presented in digital form on the electronic file. Device or each server and carry out transmission, and then reduce client's paper book and write, reduce the time that bank clerk goes out, so can really reach the purpose of the present invention.

But the above-mentioned ones are only embodiments of the present invention, and should not limit the scope of the present invention. All simple equivalent changes and modifications made according to the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of the present invention.

S1: step S2: step S3: step S4: step A: steps B: step S5: step C: steps D: steps E: steps B1: Substep B2: Substep B3: Substeps B4: Substeps 2: Bank server 21: Internet Banking Server 22: To protect the job server 23: The first relay server 24: API Server 25: Second relay server 26: Bank host 27: SMS platform server 28: The third relay server 3: Joint credit information server device 4: Electronic device

Other features and effects of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: Fig. 1 is a flow chart illustrating an embodiment of the digital housing loan data overprinting method of the present invention; Fig. 2 is a block diagram illustrating a digital housing loan information overprinting device implementing the embodiment; and Fig. 3 is a flowchart illustrating a step (B) of this embodiment.

S1: step

S2: step

S3: step

S4: step

A: steps

B: step

S5: step

C: steps

D: steps

E: steps

Claims (10)

A method for overprinting digital housing loan data, executed by a digital housing loan data overprinting device, the method for overprinting digital housing loan data includes: (A) The digital mortgage information overprinting device transmits a notification signal indicating online insurance to an electronic device; (B) The electronic device sends a signal according to the notification signal, and the digital housing loan data overprinting device performs connection verification, and the signal has an identification code; and (C) The digital housing loan information overprinting device generates a compilable electronic file with mortgage data based on a verification result and a housing loan database, and transmits the electronic file to the electronic device, and the verification result indicates that the identification The code is verified, and the housing loan database has a plurality of identification codes and the housing loan guarantee data corresponding to each identification code. The digital housing loan data overprinting method as described in claim 1, the digital housing loan data overprinting device includes a bank server device, and a joint credit investigation server device communicated with the bank server device, and the bank server device stores multiple corresponding For the insurance application data of multiple identity verification materials, each identity verification data corresponds to an identification code, and the method for overprinting digital housing loan data also includes the following steps: (S1) The bank server device sends a pending credit investigation signal to the joint credit investigation server device, and the pending credit investigation signal indicates a credit information corresponding to an identity verification information; (S2) The joint credit reporting server device generates a credit score according to the content of the credit information indicated by the pending credit reporting signal, (S3) The joint credit reporting server device judges whether the credit score is greater than a preset credit threshold; (S4) If yes, the bank server determines whether the content of a pending renewal signal received from the electronic device meets a preset renewal condition through the API, and the content of the pending renewal signal indicates the identity Verification data, the bank server device searches the corresponding insurance application data according to the identity verification data, and judges whether the content of the insurance application data meets the renewal conditions, and if so, executes the step (A); (S5) The bank server device reads the content of the pending renewal signal of the electronic device according to the verification result, and writes the read data into the mortgage database; (D) The electronic device converts the electronic file into an image file of signature data, and uploads it to the digital mortgage data overprinting device; and (E) The bank server converts the format of the compilable electronic file into a portable file format. The method for overprinting digital file data as described in claim 1, wherein the step (B) includes the following steps, (B1) The electronic device sends a login request to the digital mortgage information overprinting device, (B2) The digital housing loan information overprinting device generates a verification signal according to the login request, and the verification signal indicates a SMS password, (B3) the electronic device returns a confirmation signal according to the verification signal, and the confirmation signal indicates a return password, and (B4) The verification result is generated when the digital housing loan information overprinting device judges that the SMS password is the same as the return password. The method for overprinting digital document data as described in claim item 2, the bank server device includes an online bank server, a verification operation server connected to the joint credit investigation server device, and a communication line with the online bank server device, and a short message platform server electrically connected to the security operation server, wherein, In this step (S1), the online banking server receives the pending credit investigation signal, and transmits the pending credit investigation signal to the joint credit investigation server device by the guarantee operation server, In the step (A), the security operation server generates the notification signal, and the SMS platform server transmits the notification signal to the electronic device. In the method for overprinting digital document data as described in claim item 4, the bank server device also includes an API server electrically connected to the verification operation server and written into the API, and an API server electrically connected to the API The first relay server of the server, a bank host that is electrically connected to the first relay server and writes the corresponding identity verification data and insurance application data, wherein, In this step (S4), the insurance verification operation server triggers the API server to read the identity verification data and insurance application data from the bank host computer according to the judgment result of the joint credit investigation server device, and uses the application The program interface judges the content of the pending renewal signal, In the step (B), the API server compares the identity verification signal with the password database to generate the verification result. A digital mortgage data overprinting device, comprising: A bank server device, storing a plurality of pieces of insurance application data respectively corresponding to a plurality of identity verification data, each identity verification data corresponding to an identification code; and A joint credit investigation server device, which communicates with the bank server device, The bank server device sends a pending credit investigation signal about an electronic device to the joint credit investigation server device, the pending credit investigation signal indicates a credit data corresponding to an identity verification data, and the joint credit investigation server device according to the The content of the credit information indicated by the credit signal to be reviewed generates a credit score, and the joint credit reference server device judges whether the credit score is greater than a preset credit threshold value, and if so, the bank server device judges from the application program interface Whether the content of a pending renewal signal received by the electronic device meets a preset renewal condition, the content of the pending renewal signal indicates the identity verification data, and the bank server device searches for the corresponding insurance application data according to the identity verification data , and determine whether the content of the insurance application data meets the renewal conditions, if so, the bank server device sends a notification signal indicating online insurance to the electronic device, and the electronic device sends a signal to the bank server device according to the notification signal Perform a verification connection, the signal has an identification code, and the bank server device generates a compilable electronic file with mortgage data based on a verification result and a mortgage database, and transmits the electronic file to the electronic device , the verification result indicates that the identification code has passed the verification, and the housing loan database has a plurality of identification codes and the housing loan guarantee data corresponding to each identification code. The digital housing loan data overprinting device as described in Claim 6, wherein the electronic device converts the electronic file into an image file of signature data, and uploads it to the bank server, and the bank server reads the image file according to the verification result The electronic device reads the content of the insurance renewal signal to be reviewed, and writes the read data into the housing loan database, and the bank server device converts the compilable electronic file format into a portable file format. The digital housing loan information overprinting device as described in claim 6, wherein, the electronic device sends a login request to the bank server, and the bank server generates a verification signal according to the login request, and the verification signal indicates a SMS password, the The electronic device returns a confirmation signal according to the verification signal, and the confirmation signal indicates a return password, and the verification result is generated when the bank server device judges that the SMS password is the same as the return password. The digital housing loan data overprinting device as described in claim 6, wherein the bank server device includes an online bank server, a communication link with the joint credit investigation server device, and a communication link with the online bank server An operation server, and a short message platform server electrically connected to the insurance matching operation server, the online banking server receives the pending credit investigation signal, and the insurance matching operation server transmits the pending credit investigation signal To the joint credit investigation server device, the guarantee operation server generates the notification signal, and the notification signal is sent to the electronic device by the SMS platform server. The digital housing loan data overprinting device as described in claim item 9, wherein the bank server device also includes an API server electrically connected to the guarantee operation server and written into the API, and an API server electrically connected to the application The first relay server of the program interface server, the bank host computer that is electrically connected to the first relay server and writes the corresponding identity verification data and insurance application data, the insurance matching operation server according to the joint registration The judgment result of the letter server device triggers the API server to read the identity verification data and insurance application data from the bank host computer, and judges the content of the pending renewal signal through the API, the API server The identity verification signal is compared with the password database to generate the verification result.

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