TWI769365B - Financial service application screening method and system - Google Patents

Abstract

A financial service application screening method comprises receiving an application data file including applicant features and the corresponding original applicant information, selecting one piece of the applicant information as main applicant information, searching for a comparison data file which includes the main applicant information, determining whether the comparison data file further includes at least one subordinate applicant feature of the applicant features and at least one piece of determining applicant information corresponding to said at least one subordinate applicant feature, comparing said at least one piece of determining applicant information with the original applicant information corresponding to said at least one subordinate applicant feature in the application data file so as to generate a data reliability, and performing financial service according to the data reliability.

Description

Financial service application review method and system

The present invention relates to an application review method, in particular to a financial service application review method.

With the rapid development of the Internet, almost every financial service end (such as a bank) has an online platform that provides online application for financial services such as opening an account or applying for a credit card. Similar to the over-the-counter application method, the online platform will require customers to provide their personal information including name, ID number, phone number, address, e-mail and so on when applying.

Although the above-mentioned requests for personal information are obtained electronically through the platform, the review of personal information provided by customers is currently performed manually. As a result, not only the auditing efficiency is low, the error rate is high, but it is even difficult to determine that the data provider is the person described in the data.

In view of the above, the present invention provides a financial service application review method and system.

A financial service application review method according to an embodiment of the present invention includes receiving an application data file, the application data file including a plurality of applicant characteristics and a plurality of original applicant information respectively corresponding to the plurality of applicant characteristics, and selecting an application data file. One of the plurality of original applicant information is used as the main applicant information, and the comparison data file containing the main applicant information is searched to determine whether the comparison data file more includes the characteristics of the plurality of applicants. At least one secondary applicant characteristic and at least one discriminating applicant information corresponding to the at least one secondary applicant characteristic, wherein the at least one secondary applicant characteristic is different from the applicant characteristic corresponding to the main applicant information , when the comparison data file includes the at least one primary applicant feature and the at least one identification applicant information, compare the at least one identification applicant information with the application data file corresponding to the at least one identification applicant The original applicant information of an applicant's characteristics is required to generate data authenticity, and to perform financial services at least in accordance with the data authenticity.

A financial service application review system according to an embodiment of the present invention includes a memory, a data receiver and a processor, wherein the processor is connected to the memory and the data receiver. The memory stores a plurality of pre-stored data files. The data receiver receives an application data file including a plurality of applicant characteristics and a plurality of original applicant information respectively corresponding to the plurality of applicant characteristics. The processor selects one of the plurality of original applicant information as the main applicant information, searches for a comparison data file containing the main applicant information from the plurality of pre-stored data files, and determines the comparison data Whether the file further includes at least one secondary applicant characteristic among the plurality of applicant characteristics and at least one identifying applicant information corresponding to the at least one secondary applicant characteristic, wherein the at least one secondary applicant characteristic is different from all the secondary applicant characteristics the applicant characteristics corresponding to the main applicant information, when the processor determines that the comparison data file includes the at least one main applicant characteristic and the at least one identified applicant information, compares the At least one discriminating applicant information and the original applicant information in the application data file corresponding to the characteristics of the at least one required applicant to generate data authenticity, and at least perform financial services according to the data authenticity.

With the above structure, the financial service application review system and method disclosed in this case achieves review automation through the application of robotic process automation, thereby saving labor costs, reducing error rates and improving efficiency. Based on the detailed characteristics of the personal information provided by the applicant, other application data corresponding to the detailed characteristics are retrieved from the system database or cloud database to evaluate the authenticity of the information provided by the applicant, and execute the corresponding financial services accordingly. services, improve the accuracy of data review and achieve customized services.

The above description of the present disclosure and the following description of the embodiments are used to demonstrate and explain the spirit and principle of the present invention, and provide further explanation of the scope of the patent application of the present invention.

The detailed features and advantages of the present invention are described in detail below in the embodiments, and the content is sufficient to enable any person skilled in the relevant art to understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of the patent application and the drawings , any person skilled in the related art can easily understand the related objects and advantages of the present invention. The following examples further illustrate the viewpoints of the present invention in detail, but do not limit the scope of the present invention in any viewpoint.

Please refer to FIG. 1 . FIG. 1 is a functional block diagram of a financial service application review system according to an embodiment of the present invention. As shown in FIG. 1 , the financial service application review system 1 includes a data receiver 11 , a memory 13 and a processor 15 , wherein the processor 15 is connected to the data receiver 11 and the memory 13 .

The data receiver 11 is used for receiving application data files. The data receiver 11 can be wirelessly or wiredly connected to a port of a client device such as a mobile phone, a tablet, a laptop, and a scanner. The application data file includes a plurality of applicant characteristics and a plurality of original applicant information respectively corresponding to the applicant characteristics. Further, the application data file is the personal data form filled in when the customer (ie the applicant) applies for financial services (such as credit card, bank account, etc.). The applicant's characteristics include name, photo, ID number, telephone number, etc. , address, e-mail and other items, the original applicant information is the personal information corresponding to the above items filled in by the customer.

The memory 13 may be one or more flash memories, ROMs, magnetic memories or other non-volatile storage media electrically connected to the processor 15 , or may be one or more communicatively connected to the processor 15 . Multiple cloud databases. Various other application data files and activity records of multiple customers can be stored in the memory 13, and the other application data files can include the customer's previous application for other financial services or/and network activities (such as e-mail application, social software account application, The personal data form submitted when applying for a trading account and other various online accounts); the activity records include, for example, records of lost certificates, financial transaction records, and online shopping records. The above application data files and activity records are only examples, and the present invention is not limited thereto.

Further, the memory 13 may be a non-volatile storage medium or a cloud database owned by the financial service end, and pre-stores the above-mentioned application data files and activity records. Alternatively, the memory 13 may include cloud databases of other financial service ends, government department servers, online trading servers, and social networking site servers that cooperate with the financial server.

The processor 15 is, for example, a central processing unit, a microcontroller, a field programmable gate array, an application specific integrated circuit, or other processors. The processor 15 searches for a suitable comparison data file from the memory 13 according to the application data file received by the aforementioned data receiver 11 for comparison, and generates the data authenticity of the application data file according to the comparison result, and at least according to the data Authenticity to perform financial services.

The financial service application review system 1 proposed by the present invention uses the Robotic Process Automation (Robotic Process Automation) technology to perform the search for appropriate comparison data files, the comparison of data content, the generation of data authenticity, and the corresponding financial service process. Further content of the above process will be described later.

Please refer to FIG. 1 , FIG. 2 and FIG. 3 together, wherein FIG. 2 is a flowchart of a financial service application review method according to an embodiment of the present invention, and FIG. 3 is depicted according to an embodiment of the present invention Schematic diagram of the data file. The financial service application review method shown in FIG. 2 can be implemented by the financial service application review system 1 shown in FIG. 1 . The following is a schematic diagram of the financial service application review system 1 shown in FIG. 1 and the data file shown in FIG. 3 . The operation of the financial service application review method according to an embodiment of the present invention will be exemplarily described.

In step S101 , the data receiver 11 receives the application data file A. The application data file A includes a plurality of applicant characteristics C1 and C2 and a plurality of original applicant information D11 and D12 corresponding to the applicant characteristics C1 and C2 respectively. As mentioned above, the applicant characteristics C1 and C2 can be name, photo, ID number, telephone number, address, e-mail, etc., while the original applicant information D11 and D12 are actual personal information corresponding to the above characteristics. For example, if the applicant's characteristic is a name, the corresponding original applicant information is the name entered by the applicant, such as Wang Ming. FIG. 3 exemplarily shows two applicant characteristics and original applicant information, however, the number of these two information is not limited thereto.

In step S103 , the processor 15 selects one of the original applicant information D11 and D12 as the main applicant information, and searches the memory 13 for a comparison data file including the main applicant information. Taking the selection of the original applicant information D11 as the main applicant information as an example, the processor 15 will search the other application data files (hereinafter referred to as the pre-stored data files B1 and B2) stored in the memory 13 for the information containing the original applicant information D11. Compare the data files, that is, extract the pre-stored data file B1 containing the original applicant information D11 as a comparison data file, and the pre-stored data file B2 contains other applicant information D31 and D32, but does not contain the original applicant information D11. Therefore, Not to be used as a comparison data file. The following description is based on finding a comparison data file, but the present invention is not limited to this, and the following steps can be simultaneously performed on a plurality of comparison data files that meet the above conditions.

In one embodiment, when the processor 15 cannot find the comparison data file from the memory 13, the processor 15 can select another original application information as the main applicant information and search again. When the processor 15 has searched according to all the applicant information, but still cannot obtain the comparison data file, the processor 15 can identify the applicant who submitted the application data file as a high-risk customer, put it on the regular tracking list, and also A warning message can be generated to notify the server, and then transfer to the manual review mechanism. For the processing manner of the above situation, this embodiment is only for illustration, and the present invention is not limited thereto.

In step S105, the processor 15 determines whether the comparison data file further includes at least one secondary applicant characteristic among the aforementioned plurality of applicant characteristics and at least one identifying applicant information corresponding to the at least one secondary applicant characteristic, Wherein, the at least one secondary applicant characteristic is different from the applicant characteristic corresponding to the main applicant information. In other words, the processor 15 will determine whether there are other applicant characteristics contained in the application data file (ie, the above-mentioned secondary applicant characteristics) in addition to the applicant characteristics corresponding to the main applicant information in the comparison data file. ) and its corresponding original applicant information (that is, the above-mentioned identification applicant information).

In step S107, when the processor 15 determines that the comparison data file includes the at least one primary applicant feature and the at least one identification applicant information, the processor 15 compares the at least one identification applicant information with the application. Original applicant information corresponding to the at least one secondary applicant characteristic in the data file to generate data authenticity. In the embodiment shown in FIG. 3 , the pre-stored data file B1 as the comparison data file includes the secondary applicant feature (applicant feature C2 ) in the application data file A and the corresponding identification applicant information D22 , therefore, After judging the above state, the processor 15 compares the identification applicant information D22 in the pre-stored data file B1 with the original applicant information D12 in the application data file A to generate the authenticity of the data. Wherein, the authenticity of the data can be stored in the form of percentage, absolute value, etc., and can also be classified according to the percentage or absolute value and the corresponding threshold, which is not limited in the present invention. In the embodiment shown in FIG. 3 , the number of secondary applicant characteristics contained in the comparison data file is 1, and after the comparison, the processor 15 determines that the applicant information D22 is consistent with the original applicant information D12 (for example, When the same), the processor 15 can generate 100% or the highest level of data authenticity; and when the judgment result is inconsistency, the processor 15 can generate 0% or the lowest level of data authenticity.

In another embodiment, the number of secondary applicant characteristics contained in the comparison data file is multiple, and the corresponding identification applicant information is also multiple. When executing step S107, the processor 15 will The individual identification applicant information is compared with the corresponding applicant information in the application data file to determine whether it is consistent, and the number of information that is consistent with the judgment result is obtained, and then the authenticity of the data is generated according to the amount of information. Please refer to FIG. 4 to further describe this embodiment. FIG. 4 is a schematic diagram of a data file according to another embodiment of the present invention.

As shown in FIG. 4 , the application data file A' includes applicant characteristics C1, C2 and C3 and corresponding original applicant information D11, D12 and D13, respectively. Using the original applicant information D11 as the primary applicant information, the processor 15 can find the comparison data file B1', and determine that it contains two secondary applicant characteristics C2 and C3 and the secondary secondary applicant characteristic C2 and C3's two identification applicant information D22 and D23. In this embodiment, the processor 15 determines whether the applicant information D22 is consistent with the original applicant information D12, and determines whether the applicant information D23 is consistent with the original applicant information D13. When the judging result is that the number of matching information is 2, the processor 15 can generate 100% or the highest level of data authenticity; when the judging result is that the number of matching information is 1, it can generate 50% or medium rank data Authenticity; and when the judgment result is that the number of matching information is 0, the data authenticity of 0% or the lowest level is generated. The above embodiment is exemplified with the number of secondary applicant features being 2, however, the present invention does not limit the number of secondary applicant features.

In addition, the processor 15 can also assign different weights to the characteristics of the secondary applicants during the calculation of the authenticity of the data, and the weights can be pre-stored in the memory 13 in the form of a look-up table. For example, the secondary applicant characteristics include ID number, phone number and address. Compared with the three characteristics, the ID number will not change, so its weight can be set higher, for example, twice as high as the other two. In this case, when the determination result of the identity card number is consistent and the other two determination results are not consistent, the processor 15 will generate 50% data authenticity. In this way, the system can reduce the situation that the system misjudges the data as untrue because some features are easy to be changed.

In step S108 of FIG. 2 , when the processor 15 determines that the comparison data file does not contain any one of the at least one required applicant feature and the at least one identified applicant information, the processor 15 will re-register from the memory In body 13, another comparison data file is searched for judgment according to the main applicant information, or the aforementioned steps S103 and S105 are performed again.

In yet another embodiment, after the processor 15 executes the aforementioned step S107, the processor 15 may execute steps S103-S107 again to select the same original applicant information or select another original applicant information as the second main applicant information. , find the second comparison data file containing the information of the second main applicant, and determine whether the second comparison data file contains at least one secondary applicant characteristic and its corresponding second identification applicant information, wherein the second The secondary applicant characteristics are different from the applicant characteristics corresponding to the second primary applicant information. When the determination result is yes, the processor 15 then executes the second determination of the applicant information and the application data file corresponding to the second secondary application. The original applicant information of the applicant characteristics, resulting in the authenticity of the second data. The details of the above process are as described in the previous steps S103 to S107 , and thus will not be repeated here.

It should be noted that, the above processes are not limited to be executed after steps S103 to S107. That is, the selection of the second main applicant information, the search of the second comparison data file, and the comparison of the included data can be performed simultaneously or interspersed with steps S103-S107, and in yet another embodiment, the financial service application The review method may further include the selection of the third main applicant information, the search of the third comparison data file, the comparison of the included data, and the generation of the authenticity of the third data.

In the above-mentioned embodiment, the processor 15 may execute the financial service according to a plurality of data authenticity degrees, such as the first data authenticity degree, the second data authenticity degree, and a preset weight. The preset weights may be stored in the memory 13 in the form of a look-up table in advance. For example, the above-mentioned multiple comparison data files are respectively from the cloud database of government departments, the cloud database of trading websites and the cloud database of social networking sites. Generally speaking, the data of the cloud database of government departments in the above cloud databases are The accuracy should be the highest, and the data accuracy of the cloud database of the trading website should be higher than that of the social website cloud database because it involves money transactions. Therefore, the default weights can be set from high to low according to the above inferences for the cloud database of government departments, the cloud database of trading websites, and the cloud database of social networking sites. The processor 15 then performs a weighting operation on the plurality of generated data authenticity according to the preset weight to obtain an average data authenticity.

In step S109, the processor 15 executes financial services at least according to the authenticity of the data generated in step S107. Further, the processor 15 can provide financial items with specifications corresponding to the data authenticity or average data authenticity, and the memory 13 can store a plurality of look-up tables of preset data authenticity and their corresponding specifications. Taking the financial project of opening a bank account as an example, the highest level of default data authenticity may correspond to the account with the highest withdrawal and transfer limit, while the lower default data authenticity may correspond to the account with lower withdrawal and transfer limits. Claim and transfer limits, and even prohibit transfers to accounts with unrestricted account functions.

In another embodiment, in addition to the authenticity of the data, the processor 15 can also retrieve the applicant's past transaction records for reference. The processor 15 can retrieve the applicant's transaction record from the memory 13 according to the application data file, so as to generate the applicant's credit rating. Further, the processor 15 may search the activity records stored in the memory 13 for records containing any original application information in the application data file, particularly records related to transactions. When the processor 15 determines that the retrieved transaction records do not contain bad records such as negative evaluations and blacklists, it sets the applicant's credit rating as a high rank, and otherwise sets it as a low rank.

In this embodiment, the processor 15 performs financial services according to the aforementioned data authenticity and the applicant's creditworthiness, and conducts evaluation through more comprehensive data collection and cross-comparison, so as to improve the correspondence between the audit result and the actual risk. . Similar to the previous embodiment, the memory 13 can store a plurality of look-up tables with preset data authenticity, preset applicant credit and corresponding specifications for the processor 15 to execute the look-up table with the corresponding data authenticity and applicant Financial items with credit rating specifications. Alternatively, the memory 13 may store an arithmetic expression of the authenticity of the data and the credit of the applicant, and a look-up table of a plurality of arithmetic result values and corresponding specifications. The detailed specification setting is as described in the previous embodiment, so it is not repeated here.

With the above structure, the financial service application review system and method disclosed in this case achieves review automation through the application of robotic process automation, thereby saving labor costs, reducing error rates and improving efficiency. Based on the detailed characteristics of the personal information provided by the applicant, other application data corresponding to the detailed characteristics are retrieved from the system database or cloud database to evaluate the authenticity of the information provided by the applicant, and execute the corresponding financial services accordingly. services, improve the accuracy of data review and achieve customized services.

Although the present invention is disclosed in the foregoing embodiments, it is not intended to limit the present invention. Changes and modifications made without departing from the spirit and scope of the present invention belong to the scope of patent protection of the present invention. For the protection scope defined by the present invention, please refer to the attached patent application scope.

1: Financial Services Application Review System 11:Data receiver 13: Memory 15: Processor A, A’: Application data file B1, B2: Pre-saved data files B1’: Compare data files C1, C2, C3: Applicant characteristics D11, D12, D13: Original Applicant Information D22, D23: Identifying Applicant Information D31, D32: Information for other applicants

FIG. 1 is a functional block diagram of a financial service application review system according to an embodiment of the present invention. FIG. 2 is a flowchart of a method for reviewing a financial service application according to an embodiment of the present invention. FIG. 3 is a schematic diagram of a data file according to an embodiment of the present invention. FIG. 4 is a schematic diagram of a data file according to another embodiment of the present invention.

Claims (10)

A financial service application review method, comprising: receiving an application data file, the application data file including a plurality of applicant characteristics and a plurality of original applicant information respectively corresponding to the applicant characteristics; selecting one of the original applicant information As a main applicant information, find a comparison data file containing the main applicant information; when the comparison data file of the selected one of the original applicant information cannot be found, select the comparison data file One of the original application information is used as the main application information, and the comparison data file is searched; when all the original applicant information is selected as the main applicant information, the comparison data file cannot be found. , determine the applicant who submitted the application data file as a high risk; and when the comparison data file is found, execute: determine whether the comparison data file more contains a plurality of secondary applicants in the applicant characteristics characteristics and a plurality of identifying applicant information corresponding to the secondary applicant characteristics, wherein the secondary applicant characteristics are different from the applicant characteristics corresponding to the primary applicant information, the secondary applicant characteristics include an identity card number, a telephone number and an address; When the comparison data file includes the secondary applicant characteristics and the identifying applicant information, compare the identifying applicant information with the original data corresponding to the secondary applicant characteristics in the application data file applicant information to generate a data authenticity of the application data file, wherein in the process of generating the data authenticity, the secondary applicant characteristics have different weights; and at least execute different financial services according to the level of the data authenticity Serve. The method for reviewing a financial service application according to claim 1, wherein the number of the at least one required applicant feature is plural, the number of the at least one identification applicant information is plural, and the at least one identification applicant information is compared Generating the authenticity of the data with the original applicant information corresponding to the characteristics of the at least one applicant in the application data file includes: judging the at least one identification applicant information and the information in the application data file corresponding to the at least one applicant The amount of information that matches the original applicant information of the applicant's characteristics; and the authenticity of the data is generated according to the amount of information. The financial service application review method according to claim 1, wherein the comparison data file is used as a first comparison data file, the main applicant information is used as a first main applicant information, and the secondary applicant characteristic is used as a The characteristics of the applicant are required for the first time, the identification applicant information is used as a first identification applicant information, the data authenticity is used as a first data authenticity, and the method further includes: Selecting the first principal applicant information or the other of the original applicant information as a second principal applicant information, searching for a second comparison data file containing the second principal applicant information; determining the first principal applicant information Two comparison data files include at least one secondary applicant characteristic among the applicant characteristics and at least one second identification applicant information corresponding to the at least one secondary secondary applicant characteristic, wherein the at least one secondary applicant information The second secondary applicant profile is different from the applicant profile corresponding to the second primary applicant information; and when the second alignment data file includes the at least one secondary secondary applicant profile and the at least one secondary secondary applicant profile When identifying the applicant information, comparing the at least one second identifying applicant information with the original applicant information in the application data file corresponding to the characteristics of the at least one second secondary applicant to generate a second data authenticity ; wherein at least executing the financial service according to the authenticity of the data includes executing the financial service according to the authenticity of the first data, the authenticity of the second data and a preset weight. The method for reviewing a financial service application according to claim 1, further comprising retrieving an applicant's transaction record according to the application data file, so as to generate an applicant's credit rating, wherein at least executing the financial service according to the authenticity of the data includes a basis The authenticity of the information and the creditworthiness of the applicant to perform the financial service. The method for reviewing a financial service application according to claim 1, wherein executing the financial service at least according to the authenticity of the data includes providing a financial item with a specification corresponding to the authenticity of the data. A financial service application review system, comprising: a memory for storing a plurality of pre-stored data files; a data receiver for receiving an application data file, the application data file including a plurality of applicant characteristics and corresponding to the applicant characteristics respectively a plurality of original applicant information; and a processor, connected to the memory and the data receiver, configured to perform: selecting one of the original applicant information as a primary applicant information from the pre-stored Find a comparison data file containing the main applicant information in the data file; when the comparison data file containing the selected one of the original applicant information cannot be found, select the original application information. The other one is used as the main application information, and the comparison data file is searched; when all the original applicant information is selected as the main applicant information and the comparison data file cannot be found, the application data will be submitted. The applicant of the file is judged as a high risk; and when the comparison data file is found, execute: when it is judged whether the comparison data file more contains a plurality of secondary applicant characteristics among the applicant characteristics and corresponding to the Multiple discriminant applicant qualifications for some secondary applicant characteristics information, wherein the secondary applicant characteristics are different from the applicant characteristics corresponding to the primary applicant information, and the secondary applicant characteristics include an ID number, a phone number and an address; when judging the comparison When the data file contains the secondary applicant characteristics and the identifying applicant information, comparing the identifying applicant information with the original applicant information corresponding to the secondary applicant characteristics in the application data file, to generate a data authenticity of the application data file, wherein in the process of generating the data authenticity, the secondary applicant characteristics have different weights; and at least perform different financial services according to the level of the data authenticity. The financial service application review system according to claim 6, wherein the number of the at least one required applicant characteristic is multiple, the number of the at least one identifying applicant information is multiple, and the processor is comparing the at least one When judging the applicant information and the original applicant information corresponding to the characteristics of the at least one required applicant in the application data file to generate the authenticity of the data, judging the at least one identification applicant information and the application data file corresponding to the The amount of information that matches the original applicant information of the applicant's characteristics is required at least once, and the authenticity of the data is generated according to the amount of information. The financial service application review system according to claim 6, wherein the comparison data file is used as a first comparison data file, the primary applicant information is used as a first primary applicant information, and the secondary applicant characteristic is used as a The first time the applicant's characteristics are required, the information that determines the applicant's As a first determination of applicant information, the data authenticity is used as a first data authenticity, and the processor further selects the first main applicant information or the other of the original applicant information as a second Main applicant information, searching for a second matching data file containing the second main applicant information, determining whether the second matching data file contains at least one secondary applicant characteristic among the applicant characteristics, and at least one second identifying applicant information corresponding to the at least one secondary secondary applicant characteristic, wherein the at least one secondary secondary applicant characteristic is different from the applicant characteristic corresponding to the second primary applicant information, The processor further compares the at least one second identification applicant information with the application data when the second comparison data file includes the at least one second secondary applicant characteristic and the at least one second identification applicant information The original applicant information corresponding to the at least one second secondary applicant characteristic in the file to generate a second data authenticity, and based on the first data authenticity, the second data authenticity and a preset weight perform the financial service. The financial service application review system according to claim 6, wherein the memory further stores a plurality of activity records, and the processor further retrieves an applicant transaction record from the activity records according to the application data file, according to the To generate an applicant's credit rating, and execute the financial service according to the authenticity of the data and the applicant's credit rating. The financial service application review system of claim 6, wherein the processor provides a financial item having a specification corresponding to the data authenticity when at least executing the financial service according to the data authenticity.

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