TW575825B - Web matching method for financial consuming products - Google Patents

Description

575825 V. Description of the invention (1) < Preface of the invention > The present invention is mainly a result of the conditions for the data provider of the Internet and its own conditions. < Learning background > According to the current reasons, financial management and the use and development of Internet services for Internet users, there are still well-developed websites to determine for themselves the self-payers need to obtain an integrated communication network Provide a communication agency transaction to provide a server host to receive the above-mentioned transaction easy-to-read format. The user side is a financial consumer product. The Internet consumption pattern and the characteristics of financial products are used to facilitate users. It can quickly obtain the correct and effective financial products, and it has more privacy and high security laws. It is designed and effective for financial management. The inconvenience of performing financial operations is consistent. Therefore, the platform provides easy interface functions. The combination of the connection interface of Hexin Connected Program and the above-mentioned input and communication concepts is sufficient, but the products are used in an integrated manner, such as the integration of personal information; the development of a number of communication funds, as a whole, namely, For the option, it is still the eighth user's account for delivery, because the choice of using silver is often very accurate. For all businesses, it is necessary to eliminate the 911 method and the end, the function of the easy-to-intermediate system for the actual supply of Internet banking silver items must be paid by yourself, time-consuming; 20 j, the bank-to-body banking service of the interface road Since there is still no quick access to the Internet, it can be found for various practical methods. Therefore, there is a number one. "One step includes consumer silver with multi-internet development capabilities. The financial institutions provide a common agreement connection to the above-mentioned transaction interface. It is expected that the transaction interface will be communicated through the communication interface.

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Page 5 575825 V. Description of the invention (2) If the program is exported to the above financial institution / transaction terminal, the server host receiving program of the financial institution will process the relevant requirements according to the received parent materials. 5 Then process the relevant information and processing results. According to the above agreement format, it is returned to the trading interface. The trading interface presents the data output from the financial institution / transaction terminal to the user's trading interface. Such a system configuration is to set up a communication network platform between each physical bank and the consumer, and this platform is directly connected to the receiving program of each physical bank server, and the user directly communicates with each physical bank through its platform. Servers communicate with each other in such a way that the following are missing, including:

1 · Inconvenient to use: After the user enters the platform, the only convenience is that he can only contact various physical banks on the same platform. There is no way to judge whether the user is in line with the financial products of each physical bank. It must be consumed. It is inconvenient for people to judge and read the relevant conditions on their own, so it is necessary to improve.

2 · Insufficient security: Therefore, a platform system is directly connected to the server receiving program of each physical bank, so that the server forms a gap. Outsiders can easily destroy this gap, so ordinary physical banks cannot accept this. A direct connection method, and from a consumer ’s standpoint, personal data is still circulated through this channel and is true information, and there is also the possibility of leaking, which is very difficult to overcome in terms of security, so as far as the current security mechanism is concerned This system still cannot be popularized on the Internet, and those who are determined to be very good are not yet able to exert great functions. < Inventive Motivation > In view of this, in order to make consumers and various financial products

Page 6 575825 V. Description of the invention (3) The information used or consumed is more closely transmitted, and a method of internet matching of a financial consumer product according to the present invention that meets the above conditions is developed

Intermediate Product Product Expenses Melting Fund II B1 | Species-The invention of the present invention provided by the main owner of the present invention V The production of this product was read and read before the construction of materials and materials. The asset manager has created a project that is integrated into Taiwan ’s gold leveling project at each station, which is Zhongping, and the Bank of China has taken this into account. It is true that all parties in France can use it, and the bank will use the materials to make funds. The net product is paid for, the order is paid, and the payment is shown. The comparison is based on the material and the post-service financial statement type. The capital and the document can be used for seeding and financing. After the election, please send a letter to Shenzi on the wire and choose the delivery point to be confidential. Please add your own information when you are on the move. Please apply for the privately-selected person on the confidential line. Yes, the next bank can take care of it. People who are connected with the self-funding system and who are intimate and private are not allowed to enter the bank. They must take out the loan for other reasons. Please use it to apply for the bank's own self-fruit selection until the fee is eliminated. The safety and efficiency of the financial institution that the consumer needs to produce and produce can only be provided by quasi-supply. The above state can be used to make the system complete and consistent. Seeking speciality, said The detailed structure of the formula is illustrated in this appendix after the example of Shibushi, a better and more capable member >> If it is clear that the review is expensive, the diagram and the visual form are other diagrams, and V and subsequent diagrams Meaning ο The diagram structure shows the body of the hard-flow department, which is clearly stated by the Department of Hair Development ::

Page 7 575825 V. Description of the invention (4) The third picture: a schematic diagram of the reading of personal data and statements of the present invention. The fourth picture: a diagram of the basic financial and professional data of the present invention. Figure 5: Schematic diagram of the financial information of the bank transactions of the present invention. Fig. 6 is a schematic diagram of the day-to-day payment procedure of the present invention. Fig. 7 is a schematic diagram of the day and the day of the available document data sheet of the present invention. Fig. 8 is a schematic diagram of the day-to-day display result of the present invention. The ninth figure: a day-to-day schematic diagram of personal privacy information of the present invention. Fig. 10 is a schematic diagram of the first matching embodiment of the present invention. FIG. 11 is a schematic diagram of the second matching embodiment of the present invention. (2) Explanation of drawing numbers: (1 0) Matching platform (1 1) Financial product database (1 1 0) Negative listing condition data table (2 0) Internet (2 1) User (2 2) entity Bank mailbox (3 0) Matching process (3 1) Fill in personal information and statement reading (3 2) Select financial product items (3 3) Fill in this type of financial information (3 4) Payment procedures (3 5) Fill in and provide Document Information Sheet (3 6) Is there any information? (3 6 0) Load the client server

Page 8 575825 V. Description of the invention (5) (3 6 1) Member login (3 6 2) Archive (3 7) Display the result and select the processing method (3 7 0) Download the archive (3 7 1) End (3 8 ) Online application (3 8 0) Fill in personal private information (3 8 1) Encrypted transmission (3 8 2) End < Invention description >

Please refer to the first figure for reference. The matching platform (10) of the present invention is set up in a server and connected to the Internet (20), and through the Internet (20), it communicates with ordinary users ( 2 1) or a consumer, or a system in a physical bank, or directly with a physical bank mailbox (2 2), and the matching platform (1 0) of the present invention mainly has a financial product database (1 1 ), Its financial product database (1 1) is compiled for each financial product, and the negative listing conditions data sheet (1 1 0) for each financial product is compiled as the basis for matching. The matching process (30) is shown in the second figure.

Fill in personal information and statement reading (31): As shown in the third picture, the daytime information is directly filled in the content other than personal privacy information, including: date of birth, gender, whether there is a loan, and whether the answer to abnormal credit is entered , Fill in such non-personal information;

Page 9 575825 V. Description of the invention (6) Selecting the gold product and choosing an option is to shorten the direct matching of customers, etc. 3 0 The payment of relevant capital and investment information may be small, or the results may be small. You need to fill in the entry information, such as the bank materials (3 materials (3 materials (3 include the payment process procedures, various other items); fill in the cocoa-provided information tables (1 financial production, such as the instant And, the amount of money exchanged by the real money chart 3 0 3 1 3 2: House order (such as the payment item item: small amount of money to echo the complex back-end loans can not show the personal information (3 financial Assets) is one) then the package) the loan, the car 3 4) The method shown in the six diagrams,

(32) Credit and real estate needs to be handled by the customer system as a simple application, but services are provided (33) Materials, including 3 1), materials (3 3) Marriage includes: company credit card, loan, etc. It can include: S: needle loan, account filling, entity does not judge on behalf of: entity: 3 credits 3) In addition to the question of the status of a check to a credit table, the basis of the car is as follows: Years, people need cards and so on, and the point of the loan is not the focus of the four or five basic (33 calendar, personal calendar, household capital, salary and bank money clear questions, Yu Wei, can Information of the application in the map 2) Person's wealth registration and land resources, the transaction of financial assets, such as the success of the instructions, (3 and the business base, the letter and financial

After the foregoing information, enter the EEDNET and HINE to cooperate with the Internet ISP manufacturer to provide the document data sheet (3 5): After payment, then further relevant documents, no (3 6) materials and financial products 10)): Matching the comparison of common materials and glutinous materials, the straight list (1 0) can be used for the negative listing conditions of (1 1) and then the financial products listed above will be matched.

Page 10 575825 V. Description of the invention (7) Delete, just show the picture, and load the product as expected and apply it to the back-end data clerk for service display. You can choose to download the file, or choose one of them, online data (3 8 Each card number is linked to each physical bank and will be processed when each system is loaded on its own. 0) Carry out the aforementioned, that is, the four taxis, which are shown in different sections with different speeds. Members who do not meet the requirements to enter the positive one customer server log on to the server and explain the results; and then choose to keep records (3 end (3 applications (3 0), such as the way to enter the mailbox (decrypted by the physical bank, and in the program, and After the implementation, the procedure can be confirmed. After Mr. Li's consolidation, the small condition of the noodle program program (record (storage processing 7 0 7 18)) ninth entry, 2 2 can be taken care of by himself. The silver will match the items and produce three financial products; if there is no data, 3 6 0), 3 6 1), the file (3 6 2) will show, that is, as the eighth, the relevant one is The materials become members of the website, and are then combined by the back-end customer and the process chart of the transfer service method), this line can be selected from each implementation of the Bank of China instance line (3 direct or selected order, shown To end the simulation of the encryption and selection of the system of physical silver, the two are selected and merged. 7) Each selection line will be secretly transmitted by the contractor. (3 can be integrated and secured by a human operator, and the product cannot be selected. Product: User (2 items below Application (3 8 includes: fill in the personal name of the individual, send (3 8 1) 8 2). After the data is available, you can use the service, or do not match the platform sex on your own. Please cooperate with each of the tenth figure Financial products; and when the tenth of the same financial products are used in 1) 1) storage), the transmission of private identity itself is shown by the need of the system and there is a picture, which is convenient

Page 11 575825 V. Description of the invention (8) By the aforementioned such as: 1 · Use 1 0) can be very convenient in obtaining the information directly 2 · Confidentiality please (3 8) unnecessary troubles 3 · Bank consolidation The banking system has not been ensured to matchmaking 4 • The bank can view the convenience of the physical bank quickly and sum up the process and matching method of the patent application that can meet the requirements, which can obtain the following functions, which are easy to use: through the matching platform on the Internet (To produce a financial product suitable for the user's conditions, and the user can choose to leave further information or handle it by himself. The user is humane. High security: Personal private information must be filled in at the end of the online application. Other data If there is a leak, it will not cause it, so the security is very high. Security is also high: As far as the bank is concerned, the platform (1 0) in its physical bank is open, so there is no gap in its security, and it can be a security guard. High flexibility in use: that is, the system that the bank receives the online application information for processing, or it can be processed manually, using ten, can achieve the purpose of high practicality. Indeed various items can achieve the above function, so please elements present, Yuan apply law.

Page 12 575825 Brief description of the diagram The first diagram is the schematic diagram of the hardware structure of the present invention. The second diagram is the matching process diagram of the present invention. 0 The second diagram is the personal information and declaration of the invention. The fourth diagram is a schematic diagram of the personal financial basic and professional information screens of the present invention. The fifth diagram is a schematic diagram of the financial information of bank transactions of the present invention. The sixth diagram is a day-to-day diagram of the payment process of the present invention. The seventh diagram is of the present invention. Schematic diagram of the day and time of the document data table can be provided. The eighth diagram is the daytime diagram of the display results of the present invention. The ninth diagram is the daytime diagram of the personal privacy information of the present invention. The tenth diagram is the first embodiment of the matching example of the present invention. 〇 FIG. 11 is a schematic diagram of the matching embodiment 2 of the present invention 〇

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Claims (1)

575825 6. Scope of patent application < Patent application, it is a library. After the selection of the gold materials and the data materials are not correct, the Internet and the Internet users are connected to the Internet material database to make the Internet have various users on the Internet. The financial products do not include the product of the negative production of the completed library 2 • If the road matches the Internet, the other 3 • If the road matches, the financial team will think that the match 4 • If the road matches, fill in a range of gold networks Finance uses face-to-face products in the matching category, and the party applying for goods and materials connects the human resources of the base application that can transparently organize the product of the applying party > The Internet matching method for consumer products, and a matching platform is set up in the middle. In the matching platform, fill in the personal information and statement reading on the financial product combination platform of the product negative listing condition data sheet, and fill in the type of financial information required by the type, or personal private information, enter the payment process, and provide documents. After the data sheet, the matching platform is compared with the financial condition data sheet to remove the qualified products left with the users, and provide financial product data and display As a result, the user can select a range Processor patent law, wherein, over the Internet and through the scope of patent law network, wherein a database accessible by the base metal. The Patent Scope Law, which includes the financial consumer products described in item 1 of the statement, and the matching platform is set up on the server Internet and ordinary users or directly connected to the physical bank mailbox as described in item 1 Sexual property, matching platform mainly includes financial products' information on various financial products and negative listing conditions of financial products. Among them, set up data and select their funds to complete the product item database. Commodity Commodity The financial consumer product network described in Item 1, the matching process, includes: Read · Directly transfer personal private information to Page 14 575825 6. Contents outside the scope of patent application, including: date of birth, gender, whether there is a loan, and whether the answer to abnormal credit is filled in. Fill in such non-personal information. Select financial product items. · For individuals The required financial products are selected and selected, such as: microfinance, mortgage, credit card and other clear single options. The system responds to the corresponding problems that need to be filled out by the customer, thereby shortening the filling time and simplifying complex systems. This is also convenient for the back-end customer service to clarify the physical problems when the results are not successfully matched. For example, customers may not be able to apply for microcredits, but they do not represent car loans or bids. They need to be serviced by physical personnel. The key point of the judgment basis is to fill in this type of financial information: direct filling includes: personal financial basic data, career information, credit information and related banking financial information: Payment procedure: After completing the foregoing information, Then enter the payment process and fill in the available documents and information form: after payment, progress and fill in the available documents. Relevant documents; whether there is any information: the matching platform can compare the foregoing information with the negative listing condition data sheet of the financial product database, and directly delete the financial products listed above, and only fail to meet the negative conditions Financial products. 5 · The financial consumer product network described in item 2 of the scope of patent application φ Internet matching method, in which the basic personal financial information is the general marital status, education, and domicile. < 6 · The financial consumer product network as described in item 2 of the scope of patent application Page 15 575825 6. Scope of Patent Application Internet matching methods, among which, occupational information includes: company nature, seniority, salary. 7 · The method of Internet matching of financial consumer products as described in item 2 of the scope of patent application, where the credit information includes credit card, cheque, etc. Patent method. Please patent method, item payer. Users who apply for special methods can also choose to apply for special method information, and use them as close as possible to apply for each other. • If you want to match, use the file, • If you want to match privately and give it to the Internet. Road loan, car loan 9 · Internet matching, cited NET or 10 When the Internet has data, download and save 11 Internet to fill in personal input, the financial consumer product network described in the second item of which , The financial information of bank transactions includes: the financial consumer product network described in item 2 of the housing scope, among which the payment process and Internet ISP manufacturer methods include: SEEDNET, the financial consumer product described in item 2 of the profit scope Among them, the results are displayed and the processing method is selected... You can choose to download and archive, directly end each page, and you can choose to apply online. The financial consumer products described in Item 2 of the scope of interest, in which the online application process includes: Sending and sending individual names and ID numbers to various physical bank mailboxes, the end is 1 2 · If you apply The method of internet matching of financial consumer products described in item 2 of the patent scope, wherein, in the process of having data, if the matching platform cannot provide relevant financial information, the relevant personal data is Page 16 575825 6. The scope of the patent application is loaded into the client server, even if the information becomes a member registration of a general application product, becomes a website member, and is transferred to the back-end database server, which is then stored by the back-end customer service staff. Service and commentary.