TWI801034B - Automated installment management method and system thereof - Google Patents
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Abstract
本發明關於一種自動化分期管理方法及其系統，該管理系統包括：一資訊平台，與至少一借款金融機構端之一撥款管理系統訊息連接；一店家終端裝置，與該資訊平台訊息連接；及當消費端進行分期付款時，一貸款店家輸入該消費者之相關資訊，並確認分期金額在可動用額度內後，該資訊平台進行撥款至該貸款店家端之指定帳戶。該管理方法包括下列步驟：提供一資訊平台，其與至少一借款金融機構端、至少一貸款店家端訊息連接；一店家端授信申請步驟；一店家端支用步驟；及一消費端分期付款步驟。本發明能簡化消費者借款購買商品的步驟，並維持店家的金流運作，有效克服習知分期不便的困擾。This invention relates to an automated installment management method and system. The management system includes: an information platform connected to a disbursement management system of at least one lending financial institution; a merchant terminal connected to the information platform; and when a consumer makes an installment payment, a lending merchant inputs the consumer's relevant information and, after confirming that the installment amount is within the available credit limit, the information platform disburses the funds to a designated account on the lending merchant's end. The management method includes the following steps: providing an information platform connected to at least one lending financial institution and at least one lending merchant; a merchant-side credit application process; a merchant-side disbursement process; and a consumer-side installment payment process. This invention simplifies the process for consumers to borrow money to purchase goods and maintains the cash flow of businesses, effectively overcoming the inconvenience of familiar installment payments.
Description
本發明為一種依據消費模式加快完成撥放款與協助借貸分期的方法與系統。This invention is a method and system for accelerating loan disbursement and assisting with installment loans based on consumption patterns.
先前技術中，如一般的資融分期、信用卡分期等，都是由消費者 向金融公司預支一筆消費性貸款，消費者再向金融公司分期還款，如此的作業流程，使得個人與金融公司因借貸及還款業務所付出的人力及成本高昂，再者，也有可能因此造成店家時間成本的損失，因此如何提升速度與安全的支付平台，是目前迫切需要的技術。 In previous technologies, such as typical installment loans and credit card installments, consumers would first borrow a consumer loan from a financial company, and then repay the loan in installments. This process resulted in high manpower and costs for both individuals and financial companies in handling borrowing and repayment. Furthermore, it could potentially lead to lost time for merchants. Therefore, a faster and more secure payment platform is a technology urgently needed.
發明人鑑於之先前技術之可改善，故提出一種自動化分期管理方法及其系統，其係由本發明主要透過平台進行監管信託，店家可先向金融機構申請或是自行取得一筆資金，並存放在平台或是金融機構所指定的信託專戶，在消費者於店家的消費行為發生時，平台才撥付該筆銷售金額款項給店家，同時，平台將會進行分期付款單據的開立給予消費者，由消費者分期完成繳款。另，當消費者分期完成繳款後，收款金融機構將會發訊通知平台，由平台自動對應登載註銷還款情況。Recognizing the potential for improvement in prior art, the inventor proposes an automated installment management method and system. This invention primarily utilizes a platform for supervised trust management. Merchants can apply for or obtain funds from a financial institution and deposit them in a designated trust account provided by the platform or financial institution. Only when a consumer makes a purchase at the merchant's store will the platform release the sales amount to the merchant. Simultaneously, the platform will issue installment payment invoices to the consumer, who will then make payments in installments. Furthermore, after the consumer completes their installment payments, the receiving financial institution will notify the platform, which will automatically record and cancel the payment.
本發明之主要目的在於提供一種自動化分期管理方法及其系 統，其能串連並節省個人、店家及金融公司三者因借貸及還款業務所付出的人力及成本，並對店家信貸額度及消費者的分期還款作有效的管理。 The primary objective of this invention is to provide an automated installment management method and system that connects and reduces the manpower and costs incurred by individuals, businesses, and financial companies in borrowing and repayment, and effectively manages business credit limits and consumer installment repayments.
本發明提供一種自動化分期管理系統，其包括：一資訊平台，至少一借款金融機構端之一撥款管理系統訊息連接；一店家終端裝置，與該資訊平台訊息連接，並用以列印給予任一消費端分期付款之繳費單；及當消費端進行分期付款時，一貸款店家端經由該店家終端裝置與該資訊平台連線輸入該消費者之相關資訊，並確認分期金額在可運用額度內後，傳遞訊息使該借款金融機構端之該撥款管理系統進行撥款至該貸款店家端之指定帳戶，亦或者是預先撥付至一信託專戶，於交易發生時，平台再提撥至該店家。This invention provides an automated installment management system, comprising: an information platform connected to a disbursement management system of at least one lending financial institution; a merchant terminal connected to the information platform for printing payment slips for installment payments to any consumer; and when a consumer makes an installment payment, a lending merchant terminal connects to the information platform via the merchant terminal to input the consumer's relevant information, and after confirming that the installment amount is within the available limit, transmits a message to the disbursement management system of the lending financial institution to disburse funds to the designated account of the lending merchant terminal, or pre-disburses funds to a trust account, and then the platform disburses the funds to the merchant upon transaction.
本發明自動化分期管理系統之一實施例，其中該店家終端裝置為一POS(Point of Service)機或是一電腦或是一平板電腦，其係供該消費者進行分期付款之設定申請，即用以供消費者填寫資料，傳遞至該資訊平台以進行對應評估與處理。亦可為一連結資訊(如網址、QR CODE)，供消費者經由自備的行動裝置連結進入設定，於設定過程中，將會帶入店家所特有的識別資訊碼，或是經由店家自備的裝置連結許可後，才通過消費者的分期申請，以防止惡意盜請之狀況。In one embodiment of the automated installment management system of this invention, the store's terminal device is a POS (Point of Service) machine, a computer, or a tablet computer. This device is used for consumers to set up installment payment applications, i.e., for consumers to fill in data, which is then transmitted to the information platform for corresponding evaluation and processing. Alternatively, it can be a link (such as a URL or QR code) for consumers to access the settings via their own mobile devices. During the setup process, the store's unique identification code will be included, or the consumer's installment application will only be approved after the store's own device has granted permission, thus preventing malicious theft.
本發明自動化分期管理系統之一實施例，更包括該資訊平台傳送 一分期支付憑證訊息至該店家終端裝置，並列印產出給消費者。 One embodiment of the automated installment management system of this invention further includes the information platform transmitting installment payment voucher information to the merchant's terminal device and printing it out for the consumer.
本發明自動化分期管理系統之一實施例，其中該資訊平台更進一步地訊號連結該消費端或店長端之一行動裝置，藉此顯示一分期繳款或貸款狀況。In one embodiment of the automated installment management system of the present invention, the information platform is further signal-connected to a mobile device of the consumer or store manager to display an installment payment or loan status.
本發明一種自動化分期管理方法，其包括下列步驟：提供一資訊 平台，其與至少一借款金融機構端、至少一貸款店家端訊息連接；一店家端授信申請步驟，係由該貸款店家端向該借款金融機構端進行授信申請，於通過授信後，該借款金融機構端將授信核准訊息傳遞至該資訊平台進行儲存或是直接撥款至一指定信託帳戶；一店家端支用步驟，當任一消費端於該貸款店家端進行分期消費時，由該資訊平台向該借款金融機構端提出撥款訊息，使該借款金融機構端撥款對應消費金額之全額給予該貸款店家端，或是該資訊平台直接控制該信託帳戶撥款至該貸款店家端；及一消費端分期付款步驟，於該貸款店家端訊息連接該資訊平台產出一分期支付憑證訊息，該消費端依據該分期支付憑證訊息繳交分期付款。 This invention provides an automated installment management method, comprising the following steps: providing an information platform connected to at least one lending financial institution and at least one lending merchant; a merchant-side credit application step, in which the lending merchant applies for credit from the lending financial institution, and upon approval, the lending financial institution transmits the credit approval information to the information platform for storage or directly transfers funds to a designated trust account; and a merchant-side disbursement step, whereby any consumer makes an installment purchase through the lending merchant. At that time, the information platform sends a disbursement message to the lending financial institution, causing the institution to transfer the full amount corresponding to the consumption to the lending merchant, or the information platform directly controls the trust account to disburse funds to the lending merchant; and in a consumer installment payment step, the information platform generates an installment payment voucher based on the information on the lending merchant's end, and the consumer pays the installment payment according to the installment payment voucher.
本發明自動化分期管理方法之一實施例，其中該消費端依據該分 期支付憑證繳交分期付款給該貸款店家端後，更包括該貸款店家端透過該資訊平台還款給借款金融機構的步驟。 One embodiment of the automated installment management method of this invention includes, after the consumer pays the installment payment to the lending merchant based on the installment payment voucher, the lending merchant then repays the loan to the lending financial institution through the information platform.
請參考圖1，本發明提供一種自動化分期管理系統1，其包括：Please refer to Figure 1. This invention provides an automated installment management system 1, which includes:
一資訊平台11與至少一借款金融機構端12之一撥款管理系統121訊息連接。An information platform 11 is connected to a loan management system 121 of at least one lending financial institution 12.
一店家終端裝置131，與該資訊平台11訊息連接，並用以列印給予任一消費端14分期付款之繳費單。A store terminal device 131 is connected to the information platform 11 and used to print payment slips for installment payments to any consumer 14.
當該消費端14進行分期付款時，一貸款店家端13經由該店家終端裝置131與該資訊平台11連線輸入該消費端14之相關資訊，傳遞訊息使該借款金融機構端12之該撥款管理系統121進行撥款至該貸款店家端13之一指定帳戶132，或者是該資訊平台11控制其他被信託之帳戶進行撥款至該指定帳戶132。When the consumer terminal 14 makes an installment payment, a loan merchant terminal 13 connects to the information platform 11 via the merchant terminal device 131 to input the relevant information of the consumer terminal 14 and transmits the information to the loan management system 121 of the lending financial institution terminal 12 to transfer funds to one of the designated accounts 132 of the loan merchant terminal 13, or the information platform 11 controls other trusted accounts to transfer funds to the designated account 132.
於此系統實施例中，其中該店家終端裝置131可為一POS(Point of Service)機或是一電腦或是一平板電腦。亦可為一連結資訊(如網址、QR CODE)，供消費者經由自備的行動裝置連結進入設定，於設定過程中，將會帶入店家所特有的識別資訊碼，或是經由店家自備的裝置連結許可後，才通過消費者的分期申請，以防止惡意盜請之狀況。 In this system implementation, the store's terminal device 131 can be a POS (Point of Service) machine, a computer, or a tablet. It can also be a link (such as a URL or QR code) for consumers to access settings via their own mobile devices. During the setup process, the store's unique identification code will be included. Alternatively, the consumer's installment application will only be approved after the store's own device link is authorized, thus preventing malicious theft.
於此系統實施例中，更包括該資訊平台11傳送一分期支付憑證息 至該店家終端裝置131，以列印或是透過無線傳遞的方式將支付憑證傳給消費端14，該消費端14未來可至該店家終端裝置131前依據該分期支付憑證繳交分期付款，或是到其他所指定的代收款處進行繳款。其中該消費端14繳交分期付款後，收款之金融機構端將會發送一還款訊息至該資訊平台11，供該資訊平台11自動更新帳務資訊。 In this system implementation, the information platform 11 further includes transmitting an installment payment voucher to the merchant's terminal device 131, either by printing or via wireless transmission, to the consumer 14. The consumer 14 can then pay the installment payment at the merchant's terminal device 131 using the voucher, or at other designated collection points. After the consumer 14 pays the installment payment, the receiving financial institution will send a repayment message to the information platform 11, allowing the platform to automatically update its account information.
於此系統實施例中，其中該店家終端裝置131可藉由一應用程式 電信連結該消費端14或店長端（圖未示）之一行動裝置，藉此顯示分期繳款或貸款等狀態。 In this system embodiment, the store's terminal device 131 can connect via an application to either the consumer terminal 14 or the store manager's terminal (not shown) mobile device to display the installment payment or loan status.
請一併參考圖1及圖2，本發明提供一種自動化分期管理方法，其 包括下列步驟： 步驟S1：提供一資訊平台11，其與至少一借款金融機構端12、至少一貸款店家端13訊息連接； 步驟S2：一店家端授信申請步驟，係由該貸款店家端13向該借款金融機構端12進行授信申請，於通過授信後，該借款金融機構端12將授信核准訊息傳遞至該資訊平台11進行儲存，由該資訊平台11擔任監管之角色，進行撥款之 控制。進者，亦可先將金錢預撥至一信託專戶，由該資訊平台11進行撥放款的控制。 步驟S3：一店家端支用步驟，當任一消費端14於該貸款店家端13進行分期消費時， 由該資訊平台11向該借款金融機構端12提出撥款訊息，使該借款金融機構端12撥款對應消費金額之全額給予該貸款店家端13。 步驟S4：一消費端分期付款步驟，於該貸款店家端13訊息連接該資訊 平台11產出一分期支付憑證訊息，該消費端14依據該分期支付憑證訊息繳交付款。 Please refer to Figures 1 and 2 together. This invention provides an automated installment management method, which includes the following steps: Step S1: Providing an information platform 11, which is connected to at least one lending financial institution 12 and at least one loan merchant 13; Step S2: A loan merchant's credit application step, in which the loan merchant 13 applies for credit from the lending financial institution 12. After credit approval, the lending financial institution 12 transmits the credit approval information to the information platform 11 for storage. The information platform 11 acts as a supervisory body, controlling the disbursement. Alternatively, funds can be pre-allocated to a trust account, with the information platform 11 controlling the disbursement. Step S3: Merchant-side disbursement step. When any consumer 14 makes an installment purchase through the lending merchant 13, the information platform 11 sends a disbursement message to the lending financial institution 12, causing the lending financial institution 12 to disburse the full amount corresponding to the purchase to the lending merchant 13. Step S4: Consumer-side installment payment step. The information from the lending merchant 13 is linked to the information platform 11. Platform 11 generates an installment payment voucher message, and the consumer 14 makes payment based on the installment payment voucher message.
於此方法實施例中，其中該當該消費端14於該貸款店家端13進行 分期消費時，該消費端14和該貸款店家端13係經由該店家終端裝置131完成分期付款之 設定。 In this embodiment, when the consumer terminal 14 makes an installment payment at the loan merchant terminal 13, the installment payment settings for both the consumer terminal 14 and the loan merchant terminal 13 are completed through the merchant's terminal device 131.
於此方法實施例中，其中該資訊平台11於收到還款訊息後，自動 進行記錄登載，並更新該貸款店家的可用額度。 In this implementation example, upon receiving repayment information, the information platform 11 automatically records and updates the available credit limit of the lending merchant.
1:自動化分期管理系統 11:資訊平台 12:借款金融機構端 121:撥款管理系統 13:貸款店家端 131:店家終端裝置 132:指定帳戶 14:消費端 1: Automated Installment Management System 11: Information Platform 12: Lending Financial Institution Terminal 121: Loan Management System 13: Loan Merchant Terminal 131: Merchant Terminal Device 132: Designated Account 14: Consumer Terminal
圖1為本發明自動化分期管理系統之各單元示意圖。Figure 1 is a schematic diagram of each unit of the automated installment management system of the present invention.
圖2為本發明自動化分期管理方法之管理步驟流程圖。Figure 2 is a flowchart of the management steps of the automated phased management method of the present invention.
1:自動化分期管理系統 1: Automated Installment Management System
11:資訊平台 11: Information Platform
12:借款金融機構端 12: Loan-financing institutions
121:撥款管理系統 121: Funds Management System
13:貸款店家端 13: Loan Merchant App
131:店家終端裝置 131: Store Terminal Device
132:指定帳戶 132: Specify Account
14:消費端 14: Consumer Side
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| TW201915894A (en) * | 2017-10-12 | 2019-04-16 | 香港商阿里巴巴集團服務有限公司 | Method for realizing an installment business based on credit |
| US20190340595A1 (en) * | 2018-05-02 | 2019-11-07 | Mastercard International Incorporated | Method and system for facilitating installment-based payment card transactions |
| CN113421081A (en) * | 2021-06-21 | 2021-09-21 | 蚂蚁智信(杭州)信息技术有限公司 | Payment processing method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TW201915894A (en) * | 2017-10-12 | 2019-04-16 | 香港商阿里巴巴集團服務有限公司 | Method for realizing an installment business based on credit |
| US20190340595A1 (en) * | 2018-05-02 | 2019-11-07 | Mastercard International Incorporated | Method and system for facilitating installment-based payment card transactions |
| CN113421081A (en) * | 2021-06-21 | 2021-09-21 | 蚂蚁智信(杭州)信息技术有限公司 | Payment processing method and device |
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