TWI783167B - Loan repayment reminder system - Google Patents

Abstract

The present disclosure provides a loan repayment reminder system including a server and an electronic device coupled to the server. The server transmits a message including a hyperlink to the electronic device at a time point before a loan repayment date corresponding to an account, wherein the electronic device corresponds to a default phone number and the default phone number corresponds to the account and an identification recognition code. The electronic device receives a click operation of the hyperlink to login to a verification platform and receives a phone number input on the verification platform. When the phone number input is same with the default phone number, the server transmits a password to the electronic device corresponding to the default phone number. The electronic device receives a password input and an identification recognition code input on the verification platform. When the password input is same with the password and the identification recognition code input is same with the identification recognition code, the server transmits a bar code to the electronic device.

Description

Loan Repayment Reminder System

The present disclosure relates to a loan repayment reminding system, and in particular to a loan repayment reminding system for preventing customers from delaying payment.

Generally, when a customer takes out a loan (for example, a housing loan) from a bank, the customer must pay the loan to the bank regularly every month. When the customer has not completed the payment within the loan repayment period, there will be liquidated damages. Therefore, how to assist customers to complete payment before the loan repayment deadline is the goal that those skilled in the art should devote themselves to.

The present disclosure provides a loan repayment reminder system, which can avoid liquidated damages caused by customers delaying payment.

This disclosure proposes a loan repayment reminding system, which includes a server and an electronic device coupled to the server. The server sends a message including a hyperlink to the electronic device at a time point before the loan repayment date corresponding to the account, wherein the electronic device corresponds to a preset phone number and the preset phone number corresponds to the account number and the ID code. The electronic device receives a click operation of the hyperlink to log in to the verification platform of the server and receives a phone number input on the verification platform. When the input phone number is the same as the preset phone number, the server sends the password to the electronic device corresponding to the preset phone number. The electronic device receives a password input and an identity identification code input on the verification platform. When the input of the password is the same as the password and the input of the identification code is the same as the identification code, the server sends the barcode to the electronic device.

In an embodiment of the present disclosure, the above-mentioned hyperlink further includes a text message, and the text message includes content reminding repayment.

In an embodiment of the present disclosure, the electronic device includes a SIM card corresponding to a preset phone number.

In an embodiment of the present disclosure, the verification platform is a verification web page or a verification application program.

In an embodiment of the present disclosure, the password is a one-time password.

In an embodiment of the present disclosure, the password has an expiration time.

In an embodiment of the present disclosure, when the electronic device receives a password input and an ID code input on the verification platform after the expiration time, and the password input is the same as the password and the ID code input is the same as the ID code, the server Send a password expiration warning without sending the barcode to the electronic device.

In an embodiment of the present disclosure, the barcode is a one-dimensional barcode or a quick response code.

In an embodiment of the present disclosure, the barcode includes account information and repayment amount information of the account.

In an embodiment of the present disclosure, when the server receives the payment completion notification of the corresponding account, the server sends a payment completion notification message to the electronic device.

Based on the above, the loan repayment reminding system of the present disclosure will send a message including a hyperlink to the electronic device of the lender before the loan repayment date. The lender clicks on the hyperlink to log into the verification platform of the server and enters the phone number on the verification platform. When the verification of the phone number is successful, the server sends the one-time password to the electronic device corresponding to the phone number. Then, the lender can enter the password and identification code on the verification platform. When the verification of the password and the ID code is successful, the server will send a barcode including account information and repayment amount information to the electronic device. The lender can hold the above barcode to make loan payment.

In order to make the above-mentioned features and advantages of the present disclosure more comprehensible, the following specific embodiments are described in detail together with the accompanying drawings.

FIG. 1 is a block diagram of a loan repayment reminder system according to an embodiment of the present disclosure.

Please refer to FIG. 1 , a loan repayment reminder system 100 according to an embodiment of the present disclosure includes a server 110 and an electronic device 120 . The electronic device 120 is coupled to the server 110 . The server 110 is, for example, a bank server, and the electronic device 120 is, for example, a smart phone or tablet computer owned by the lender. The electronic device 120 is coupled to the server 110 through wired or wireless communication. When the server 110 judges that the loan repayment date of the lender is about to expire, the server 110 can provide a reminder function and a verification platform (for example, a verification web page or a verification application program) so that the lender can use the verification platform to obtain the payment barcode after passing the verification , and use the payment barcode to repay the loan. In this way, it is possible to avoid the default penalty caused by the late payment of the loan by the borrower.

In one embodiment, the server 110 transmits a message including a hyperlink to the electronic device 120 at a point in time (for example, one week before the repayment date) before the loan repayment date of the corresponding account number (that is, the bank loan account number of the lender), The message can be a short message message and further includes a text message reminding the content of repayment, which can be ignored if the lender has paid the fee. The electronic device 120 corresponds to a preset phone number and the preset phone number corresponds to an account number and an identity code (for example, an ID card number). The electronic device 120 includes a Subscriber Identity Module (SIM) card corresponding to the preset phone number. The default phone number is, for example, the mobile phone number of the lender, and the bank will store corresponding information such as the mobile phone number of the lender, loan account number and ID number. The electronic device 120 receives the lender's click operation on the hyperlink to log in to the verification platform of the server 110 and receives the lender's input of a phone number on the verification platform. When the phone number entered by the lender is the same as the preset phone number, the server 110 sends the password to the electronic device 120 corresponding to the preset phone number, that is, the electronic device 120 held by the lender. After the verification of the phone number is successful, the electronic device 120 receives the lender's password input and ID code input on the verification platform. When the password input is the same as the password and the ID code input is the same as the ID code, the server 110 transmits a barcode (eg, a one-dimensional barcode or a quick response code) to the electronic device 120 . Since the barcode includes the account number information and repayment amount information of the account number, the lender can take the above barcode to the payment office (for example, a supermarket) to pay the fee. When the lender completes the payment, the server 110 will receive a payment completion notification corresponding to the account number, and send a payment completion notification message to the electronic device 120 .

Although the two-factor authentication through the one-time password and the ID number has been described in the above embodiments, the present disclosure is not limited thereto. In another embodiment, the server 110 may also perform verification only through one of the one-time password or the ID number, and transmit the barcode after the verification is successful.

In an embodiment, the password is, for example, a one-time password (One Time Password, OTP) with an expiration time (eg, ten minutes). When the electronic device 120 receives the password input and the ID code input on the verification platform after the expiration time, and the password input is the same as the password and the ID code input is the same as the ID code, the server 110 sends a password expiration warning and does not Transmit the barcode to the electronic device 120 . That is to say, even if the correct password and identification code are input after the expiration time, the verification cannot be passed and the payment barcode cannot be obtained.

To sum up, the loan repayment reminding system of the present disclosure will send a message including a hyperlink to the electronic device of the lender before the loan repayment date. The lender clicks on the hyperlink to log into the verification platform of the server and enters the phone number on the verification platform. When the verification of the phone number is successful, the server sends the one-time password to the electronic device corresponding to the phone number. Then, the lender can enter the password and identification code on the verification platform. When the verification of the password and the ID code is successful, the server will send a barcode including account information and repayment amount information to the electronic device. The lender can hold the above barcode to make loan payment.

Although the present disclosure has been disclosed above with embodiments, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present disclosure. The scope of protection of this disclosure should be defined by the scope of the appended patent application.

100: Loan Repayment Reminder System 110: server 120: electronic device

FIG. 1 is a block diagram of a loan repayment reminder system according to an embodiment of the present disclosure.

100: Loan Repayment Reminder System

110: server

120: electronic device

Claims (9)

A loan repayment reminding system, comprising: a server; and an electronic device coupled to the server, wherein the server transmits a message including a hyperlink at a time point before a loan repayment date corresponding to an account number a message to the electronic device, wherein the electronic device corresponds to a default phone number and the default phone number corresponds to the account number and an identification code, wherein the message includes a short message message; the electronic device receives a click on the hyperlink Operate to log into an authentication platform of the server and receive a phone number input on the authentication platform; when the phone number input is the same as the default phone number, the server sends a password to the phone number corresponding to the default phone number The electronic device, wherein the password is a one-time password; the electronic device receives a password input and an identity identification code input on the verification platform; and when the password input is the same as the password and the identity identification code input is the same as the identity identification When the codes are the same, the server sends a code to the electronic device. For the loan repayment reminding system described in item 1 of the scope of the patent application, wherein the hyperlink further includes a text message, and the text message includes a reminder content for repayment. In the loan repayment reminding system described in claim 1 of the patent application, wherein the electronic device includes a user identity module card corresponding to the preset phone number. The loan repayment reminder system described in item 1 of the patent application, wherein the verification platform is a verification web page or a verification application program. As the loan repayment reminding system described in item 1 of the patent scope of the application, wherein the password has an expiry time. The loan repayment reminder system as described in item 5 of the scope of the patent application, wherein when the electronic device receives the input of the password and the input of the identification code on the verification platform after the expiration time, and the input of the password is consistent with the input of the password same and the input of the ID code is the same as the ID code, the server sends a password expiration warning and does not send the barcode to the electronic device. The loan repayment reminder system described in item 1 of the patent scope of the application, wherein the barcode is a one-dimensional barcode or a quick response code. As for the loan repayment reminder system described in item 1 of the patent scope of the application, wherein the barcode includes an account number information and a repayment amount information of the account number. In the loan repayment reminder system described in item 1 of the patent application, when the server receives a payment completion notification corresponding to the account, the server sends a payment completion notification message to the electronic device.

Images