TWI665633B - Batched consumption loan processing system and batched consumption loan processing method - Google Patents

Abstract

The invention proposes a batch processing system and a batch processing method. The entire batch of loan processing systems includes a server, a first electronic device and a second electronic device. The server receives, from the first electronic device, the mortgage data corresponding to a plurality of applicants. The server inquires the correspondence information and the joint collection information of the corresponding applicant according to the loan consumption data, and calculates the loan ceiling based on the correspondence information, the joint collection information and the loan collection information. The server adjusts the loan limit according to the applicant's seniority information and age information. The second electronic device logs in to the server with the account and sends the application quota information to the server. If the application quota information is less than the adjusted loan limit, the server returns a success message to the second electronic device.

Description

Batch processing system and method

The present invention relates to a batch loan processing system and a batch loan processing method, and in particular to a batch loan processing system and a batch loan processing method capable of automatically reviewing applicant data.

At present, when a bank undertakes a whole batch of loan lending business, it is often carried out manually for review and calculation of application limits. When a bank branch is undertaking a group of loan cancellations for group employees, due to the excessive number of applicants and the limited manpower of the bank branch, it often takes considerable time to meet customer needs. Therefore, how to quickly review the entire batch of loan application to fulfill the needs of the applicant is a goal that those skilled in the art should strive for.

The invention provides a batch processing system and a batch processing method, which can quickly process the applicant's processing of loan application.

The invention proposes a batch loan processing system, which includes a server, a first electronic device and a second electronic device. The first electronic device is coupled to the server. The second electronic device is coupled to the server. The server receives, from the first electronic device, the mortgage data corresponding to a plurality of applicants. The server inquires the correspondence information and the joint collection information of the above-mentioned applicants based on the loan consumption data, and calculates the loan ceiling based on the correspondence information, the joint collection data and the loan collection data. The server adjusts the loan ceiling based on the applicant's seniority information and age information. The second electronic device logs in to the server with the account and sends the application quota information to the server. If the application quota information is less than the adjusted loan limit, the server returns a success message to the second electronic device.

In an embodiment of the present invention, the above-mentioned batch of loan-disappearance data includes the employee ID, ID number, date of birth, salary, mobile phone number, and e-mail box of the batch of loan-applying loan applicants.

In an embodiment of the present invention, the upper limit of the borrowing is 22 times of the applicant's debt to Burden Ratio (DBR).

In an embodiment of the present invention, after the above-mentioned second electronic device logs in to the server with an account, the verification code is successfully entered before the application quota information is transmitted to the server.

In an embodiment of the present invention, if the application quota information is greater than the adjusted borrowing limit, the server returns a failure message to the second electronic device, and prompts to resend the application quota information.

The invention proposes a method for processing a batch of loans, which is suitable for a server, a first electronic device and a second electronic device. The first electronic device is coupled to the server. The second electronic device is coupled to the server. The method for processing a whole batch of loan cancellation includes receiving, from a first electronic device, a server of loan cancellation data corresponding to a plurality of applicants through a server. The entire batch of loan cancellation methods includes querying the correspondence information and the joint collection information corresponding to the above-mentioned applicants through the server based on the loan collection information, and calculating the loan ceiling based on the correspondence information, the joint collection information and the loan collection information. The processing method of the whole batch of loan cancellation includes adjusting the borrowing cap by the server according to the applicant's seniority information and age information. The method for processing a whole batch of loan disbursement includes logging in to the server with the account number through the second electronic device and transmitting the application quota information to the server. The processing method of the whole batch of loan cancellation includes if the application quota information is less than the adjusted loan limit, a success message is returned to the second electronic device by the server.

In an embodiment of the present invention, the above-mentioned batch of loan-disappearance data includes the employee ID, ID number, date of birth, salary, mobile phone number, and e-mail box of the batch of loan-applying loan applicants.

In an embodiment of the present invention, the above-mentioned borrowing upper limit is 22 times the debt ratio of the corresponding applicant.

In an embodiment of the present invention, after the above-mentioned second electronic device logs in to the server with an account, the verification code is successfully entered before the application quota information is transmitted to the server.

In an embodiment of the present invention, if the application quota information is greater than the adjusted borrowing limit, the server returns a failure message to the second electronic device, and prompts to resend the application quota information.

Based on the above, the entire batch of loan cancellation processing system and method of the present invention can first receive the entire batch of loan cancellation data by the bank server, and query the applicant's ticket information and joint collection data based on the loan cancellation information. After confirming that the information of the ticket letter and the joint collection are correct, the loan ceiling will be calculated based on the loan cancellation information. The borrowing cap can be adjusted based on seniority information and age information. In this way, when the applicant logs in to the bank server, he can directly input the application quota information, and when the application quota information is less than the borrowing limit, the loan application business can be successfully completed.

In order to make the above features and advantages of the present invention more comprehensible, embodiments are hereinafter described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram of a batch loan processing system according to an embodiment of the present invention.

Referring to FIG. 1, the entire batch of consumer loan processing system 100 of the present invention includes a server 110, a first electronic device 111 and a second electronic device 112. The first electronic device 111 and the second electronic device 112 may be coupled to the server 110 in a wired or wireless manner. The first electronic device 111 and the second electronic device 112 may be devices such as a smart phone, a tablet computer, a notebook computer, and a personal computer. The first electronic device 111 is, for example, an electronic device used by the welfare committee of a large company, which can collectively transmit a batch of loan cancellation data of group employees to the bank's server 110. The second electronic device 112 is, for example, an electronic device used by the loan application applicant. The loan application applicant can use the second electronic device 112 to log in to the server 110 to perform a loan application process.

The server 110, the first electronic device 111, and the second electronic device 112 may all include a communication chip (not shown in the figure), a storage device (not shown in the figure), and a processor (not shown in the figure) .

The communication chip can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, wideband code division Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) system, Wireless Fidelity (Wi-Fi) ) System or Bluetooth signal transmission components.

The storage device can be any type of fixed or removable Random Access Memory (RAM), Read-Only Memory (ROM), flash memory, hard disk ( Hard Disk Drive (HDD), Solid State Drive (SSD) or similar components or a combination of the above components.

The processor may be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), programmable Controller, Application Specific Integrated Circuit (ASIC) or other similar components or a combination of the above components.

FIG. 2 is a flowchart of a method applied to a whole batch of loan processing systems according to an embodiment of the present invention.

Referring to FIG. 2, in step S201, the server 110 receives the loan cancellation data corresponding to a plurality of applicants from the first electronic device 111. Specifically, the enterprise's unit (for example, the Welfare Committee or other units) may first collect the relevant information of the employees who want to apply for a loan loan within the enterprise, such as employee number, ID number, date of birth, salary, mobile phone number, and E-mail and other related materials, and prepare an employee's joint enquiry consent form for banks to legally query the applicant's joint enquiries. After the collection of the loan cancellation information is completed, relevant personnel of the enterprise can use the first electronic device 111 to transmit the loan cancellation information of the entire batch of applicants to the bank server 110.

In step S203, the server 110 inquires the correspondence information and the joint collection information of the corresponding applicant according to the loan cancellation information, and calculates the loan ceiling based on the correspondence information, the joint collection information and the loan cancellation information. Specifically, after the server 110 receives the loan cancellation information, the server 110 can automatically query the applicant's ticket information and association information in the banking system. After the applicant's ticket information and joint collection information are confirmed to be correct, the server 110 can calculate the borrowing cap (ie, the debt ratio is 22 times greater than DBR) based on the applicant's loan repayment information.

In step S205, the server 110 adjusts the borrowing cap according to the applicant's seniority information and age information. Specifically, the server 110 may also adjust the borrowing limit according to the applicant's seniority information and age information. For example, when the applicant has less work experience or is older, the server 110 may reduce the original loan ceiling according to a preset algorithm.

In step S207, the second electronic device 112 logs in to the server 110 with an account number and sends the application quota information to the server 110. Specifically, the applicant can use the second electronic device 112 to log in to the server 110 with a specific account number (for example, an electronic mail box) and enter an application amount.

In step S209, if the application quota information is less than the adjusted loan limit, the server 110 returns a success message to the second electronic device 112. Specifically, when the application amount input by the applicant does not exceed the loan limit calculated by the server 110, the server 110 applies for returning a success message to the second electronic device 112. In this way, the applicant can print out the application form, go to the branch counter to sign in person or the branch will go to the collection office on the other day. On the other hand, when the application quota entered by the applicant exceeds the borrowing limit calculated by the server 110, the server 110 may return a failure message to the second electronic device 112, and prompt the applicant to resend the application quota information.

FIG. 3 is a flowchart of a method applied to a whole batch of consumer loan processing system according to another embodiment of the present invention.

Referring to FIG. 3, in step S301, a batch of loan cancellation is performed for employees of the enterprise. In step S303, the enterprise provides the batch upload of the consumer loan information. Specifically, the enterprise can upload the employee number, ID number, date of birth, salary, mobile phone number, and e-mail of the consumer loan applicant in batches. In step S305, the bank performs a credit review. In step S307, the employee of the enterprise enters the bank server to enter the company name, employee number, and identity card number, and selects a verification code mechanism (for example, mobile phone or e-mail authentication) and uploads a payslip and an identity card file. In step S309, the amount of the loan and the purpose of the funds are input.

In step S311, the applicant inputs a verification code. In step S313, the server 110 confirms whether the applicant meets the letter of credit and the joint collection and whether the loan amount is less than the upper limit of the loan amount. If the applicant does not meet the letter of credit and the joint collection, the reason for the credit defect is displayed in step S315. If the loan amount is greater than the upper limit of the loan amount, the loan amount is reduced to meet the upper limit of the loan amount in step S317, and the applicant's consent is sought in step S319. If the applicant meets the letter of credit and joint collection and the borrowing amount is less than the upper limit of the borrowing amount, in step S321, the applicant is required to print the contract and generate a serial number, sign it and transfer it to the branch counter to transfer the credit. Finally, proceed to step S323 to close the case. In addition, if the reason for the credit defect is displayed in step S315 or the applicant does not agree to reduce the borrowing amount in step S319, it will also proceed to step S323 to close the case.

In summary, the entire batch of loan cancellation processing system and method of the present invention can first receive the entire batch of loan cancellation data by the bank server, and query the applicant's ticket information and levy based on the loan cancellation information. Data, after confirming that the letter of credit information and the joint collection information are correct, calculate the loan ceiling based on the consumer loan information. The borrowing cap can be adjusted based on seniority information and age information. In this way, when the applicant logs in to the bank server, he can directly input the application quota information, and when the application quota information is less than the borrowing limit, the loan application business can be successfully completed. Through the batch loan processing system and the batch loan processing method of the present invention, when the bank undertakes a large number of batch loan cancellations for group employees, it can greatly increase processing efficiency and meet customer needs within a certain period of time.

Although the present invention has been disclosed as above with the examples, it is not intended to limit the present invention. Any person with ordinary knowledge in the technical field can make some modifications and retouching without departing from the spirit and scope of the present invention. The protection scope of the present invention shall be determined by the scope of the attached patent application.

100‧‧‧The whole batch of loan processing system

110‧‧‧Server

111‧‧‧first electronic device

112‧‧‧Second electronic device

S201, S203, S205, S207, S209 ‧‧‧The steps of the method applied to the batch loan processing system

S301, S303, S305, S307, S309, S311, S313, S315, S317, S319, S321, S323 ‧‧‧ The steps of the method applied to the batch loan processing system

FIG. 1 is a block diagram of a batch loan processing system according to an embodiment of the present invention. FIG. 2 is a flowchart of a method applied to a whole batch of loan processing systems according to an embodiment of the present invention. FIG. 3 is a flowchart of a method applied to a whole batch of consumer loan processing system according to another embodiment of the present invention.

Claims (6)

A batch processing system includes: a server; and a first electronic device coupled to the server, and a second electronic device coupled to the server, wherein the server is connected from the first electronic device. The device receives a loan cancellation data corresponding to a plurality of applicants, and the server inquires a letter of credit information and a joint solicitation data corresponding to the applicants based on the loan cancellation information, and according to the letter of credit information, the joint message and The loan consumption data calculates a borrowing limit, the server adjusts the borrowing limit according to the one-year qualification information and one-year information of the applicants, and the second electronic device successfully logs in to the server with an account and enters a verification code before transmitting An application quota information to the server, if the application quota information is less than the adjusted loan limit, the server returns a success message to the second electronic device, wherein if the application quota information is greater than the adjusted loan If the limit is exceeded, the server returns a failure message to the second electronic device, and prompts to resend the application quota information. The entire batch of loan cancellation processing systems as described in item 1 of the scope of patent application, wherein the loan cancellation information includes an employee number, an ID number, a date of birth, a salary, and a mobile phone number And an e-mail box. According to the entire batch of loan processing systems described in the first patent application scope, the upper limit of the loan is 22 times of a debt to Burden Ratio (DBR) corresponding to some applicants. A method for processing a batch of loans, which is applicable to a server, a first electronic device, and a second electronic device. The first electronic device is coupled to the server, and the second electronic device is coupled to the server. The entire batch of loan cancellation processing methods includes: receiving, by the server, a plurality of applicants' loan cancellation data corresponding to the plurality of applicants; and using the server to query the votes corresponding to the applicants according to the loan cancellation data. Credit information and a joint solicitation information, and calculate a borrowing limit based on the letter of credit information, the joint solicitation information and the loan cancellation information; the server adjusts the loan according to the one-year information and one-year information of the applicants Upper limit; after the second electronic device logs in to the server with an account, a verification code is successfully entered before sending an application quota information to the server; and if the application quota information is less than the adjusted borrowing limit, by The server returns a success message to the second electronic device, and if the application quota information is greater than the adjusted loan limit, the server returns a failure message to the second electronic device And prompted to re-transmit the credit application information. The method for processing a batch of loan cancellations as described in item 4 of the scope of patent application, wherein the loan cancellation information includes an employee number, an ID number, a date of birth, a salary, and a mobile phone number And an e-mail box. As described in item 4 of the scope of the patent application, the method for processing the entire batch of loan cancellation, wherein the upper limit of the loan is 22 times of a debt to Burden Ratio (DBR) corresponding to some applicants.