TWI802490B - Multi-applicant financial service application screening method and system - Google Patents

Abstract

A multi-applicant 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

Multi-applicant financial service application review method and system

The invention relates to an application review method, in particular to a multi-applicant financial service application review method.

With the vigorous development of the Internet, almost every financial service terminal (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 application method of the cabinet, the above-mentioned online platform will require customers to provide their personal information including name, ID number, telephone number, address, e-mail address, etc. when applying.

Although the request for the above-mentioned personal information is obtained electronically through the platform, the current review of the personal information provided by customers is done manually. As a result, not only the review efficiency is low, but the error rate is high, and it is even difficult to identify the person who provided the data as the person described in the data.

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

A multi-applicant 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 applicants respectively corresponding to the plurality of applicant characteristics information, select one of the multiple original applicant information as the main applicant information, search for a comparison data file containing the main applicant information, and determine whether the comparison data file contains more of the multiple applications at least one secondary applicant characteristic among the applicant characteristics 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 primary applicant information corresponding to When the comparison data file includes the at least one secondary applicant characteristic and the at least one identification applicant information, compare the at least one identification applicant information with the corresponding information in the application data file The original applicant information on the at least one secondary applicant characteristic to generate data authenticity, and perform financial services based on at least the data authenticity, wherein the number of the at least one secondary applicant characteristic is multiple, The number of the at least one identified applicant information is multiple, and comparing the at least one identified applicant information with the original applicant information corresponding to the at least one secondary applicant characteristic in the application data file to Generating the authenticity of the data includes: judging the amount of information that the at least one judging applicant information matches the original applicant information corresponding to the at least one secondary applicant characteristic in the application data file; and according to the The number of information generates the authenticity of the data; 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 characteristics are used as a first A secondary applicant characteristic, the information of the identified applicant is used as a first identification of applicant information, the authenticity of the data is used as a first authenticity of the data, and the method further includes: selecting the first main applicant information or one of the original applicant information as a second main applicant information, searching for a second comparison data file containing the second main applicant information; determining the second comparison data Whether the file contains at least one second secondary applicant characteristic among the applicant characteristics and at least one second identifying applicant information corresponding to the at least one second secondary applicant characteristic, wherein the at least one first a secondary secondary applicant characteristic is different from the applicant characteristic corresponding to the second primary applicant information; and when the second comparison data file includes the at least one second secondary applicant characteristic and the When at least one second applicant information is determined, comparing the at least one second identification applicant information with the original applicant information corresponding to the at least one second secondary applicant characteristic in the application data file, to generate a second data authenticity; at least performing the financial service according to the data authenticity includes performing the financial service according to the first data authenticity, the second data authenticity and a preset weight.

According to an embodiment of the present invention, a multi-applicant financial service application review system 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 the The applicant characteristics corresponding to the main applicant information, when the processor determines that the comparison data file contains the at least one secondary applicant characteristic and the at least one identification applicant information, compare the At least one identification of applicant information and the original applicant information corresponding to the at least one secondary applicant characteristic in the application data file to generate data authenticity, and at least perform financial services based on the data authenticity, wherein The number of the at least one secondary applicant characteristic is multiple, the number of the at least one identification applicant information is multiple, and the processor compares the at least one identification applicant information with the application data file When generating the authenticity of the data from the original applicant information corresponding to the at least one secondary applicant characteristic, it is determined that the at least one judging applicant information is consistent with the at least one secondary applicant information corresponding to the at least one secondary applicant in the application data file. The amount of information that matches the original applicant information of applicant characteristics, and the authenticity of the data is generated based on the amount of information; wherein the comparison data file is used as a first comparison data file, and the main applicant information As a first primary applicant information, the secondary applicant characteristics as a first secondary applicant characteristics, the identification applicant information as a first identification applicant information, the authenticity of the data as a first The authenticity of the data, and the processor further selects the first main applicant information or the other of the original applicant information as a second main applicant information, and searches for information including the second main applicant a second comparison data file of information, determining whether the second comparison data file includes at least one second secondary applicant characteristic among the applicant characteristics and corresponds to the at least one second secondary application at least one second discriminating applicant profile of applicant characteristics, wherein said at least one second secondary applicant profile is different from said applicant profile corresponding to said second primary applicant profile, said processor is further When the second comparison data file includes the at least one second secondary applicant feature and the at least one second judging applicant information, compare the at least one second judging applicant information with the application data file the original applicant information corresponding to the at least one second secondary applicant characteristic to generate a second data authenticity degree, and based on the first data authenticity degree, the second data authenticity degree and a The financial services are performed with preset weights.

With the above-mentioned 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 features in the personal information provided by the applicant, other application data corresponding to the detailed features are extracted from the system database or cloud database to evaluate the authenticity of the information submitted by the applicant and implement corresponding financial services. services, improve the accuracy of data review and achieve customized services.

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

The detailed features and advantages of the present invention are described in detail below in the implementation mode, and its content is enough to make any person familiar with the related art 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 , anyone skilled in the art can easily understand the purpose and advantages of the present invention. The following examples are to further describe the concept of the present invention in detail, but not to limit the scope of the present invention in any way.

Please refer to FIG. 1 , which 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 connection port of a client device such as a mobile phone, a tablet, a laptop, or 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. Furthermore, the application data file is the personal data form filled in by the customer (i.e. the applicant) when applying for financial services (such as credit card, bank account, etc.), and the characteristics of the applicant include, for example, name, photo, ID number, telephone number , 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 can be one or more flash memory, read-only memory, magnetic memory or other non-volatile storage media electrically connected to the processor 15, and can also be one or more communication devices 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 trading accounts and other various online account applications); the activity records include, for example, document loss report records, financial transaction records, online shopping records, etc. The above-mentioned application data files and activity records are just examples, and the present invention is not limited thereto.

Furthermore, the memory 13 can be a non-volatile storage medium or a cloud database owned by the financial service end, and the above-mentioned application data files and activity records are pre-stored. Alternatively, the memory 13 may include cloud databases of other financial service terminals, government department service terminals, online transaction service terminals, social networking service service terminals and other service ends that cooperate with the financial service terminal.

The processor 15 is, for example, a central processing unit, a microcontroller, a field programmable gate array, an ASIC, or other processors. The processor 15 will search 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 generate the data authenticity of the application data file according to the comparison result, and at least based on the data Reality to perform financial services.

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

Please refer to Figure 1, Figure 2 and Figure 3 together, wherein Figure 2 is a flowchart of a financial service application review method according to an embodiment of the present invention, and Figure 3 is a flowchart according to an embodiment of the present invention A schematic diagram of a data file. The financial service application review method shown in FIG. 2 can be executed 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 is exemplarily described.

In step S101 , the data receiver 11 receives the application data file A. Wherein, the application data file A includes a plurality of applicant characteristics C1 and C2 and a plurality of original applicant information D11 and D12 respectively corresponding to the applicant characteristics C1 and C2. 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 the actual personal information corresponding to the above characteristics. For example, if the characteristic of the applicant is name, the corresponding original applicant information is the name entered by the applicant, such as Wang ○ Ming. FIG. 3 exemplarily shows two characteristics of applicants and original applicant information, but the quantity of these two materials 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 containing the main applicant information. Taking the original applicant information D11 as the main applicant information as an example, the processor 15 will search for the original applicant information D11 from other application data files stored in the memory 13 (hereinafter referred to as pre-stored data files B1 and B2). Compare data files, that is, extract the pre-stored data file B1 containing the original applicant information D11 as the 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, so Not considered as a comparison data file. In the following, one comparison data file is found for illustration, but the present invention is not limited thereto, and the following steps can also be executed on multiple comparison data files meeting the above conditions at the same time.

In one embodiment, when the processor 15 cannot find the comparison data file from the memory 13, the processor 15 may select another original application information as the main applicant information and search again. When the processor 15 has searched based on the information of all applicants, 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 in the regular tracking list, and also A warning message can be generated to notify the server, and then transferred 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 plurality of applicant characteristics and at least one identification 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 (i.e., the above-mentioned secondary applicant characteristics ) 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 contains the at least one secondary applicant characteristic and the at least one identification applicant information, it will compare 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 characteristics (applicant characteristics C2) in the application data file A and the corresponding applicant identification information D22. Therefore, After the processor 15 determines the above status, it compares the identified applicant information D22 in the pre-stored data file B1 with the original applicant information D12 in the application data file A to generate data authenticity. Wherein, the data authenticity 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 by 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 when the processor 15 judges that the applicant information D22 is consistent with the original applicant information D12 after comparison (for example same), the processor 15 can generate 100% or the highest level of data authenticity; and when the judgment result is inconsistent, 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 the processor 15 executes step S107, each The applicant information is compared with the corresponding applicant information in the application data file to determine whether they are consistent, and the number of information that is judged to be consistent is obtained, and then the authenticity of the data is generated based on the amount of information. Please also refer to FIG. 4 to further illustrate 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. With the original applicant information D11 as the main applicant information, the processor 15 can find the comparison data file B1', and judge that it contains two secondary applicant characteristics C2 and C3 and corresponding to the secondary applicant characteristics C2 And two identification applicant information D22 and D23 of C3. In this embodiment, the processor 15 will determine whether the applicant information D22 is consistent with the original applicant information D12, and determine 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 grade of data authenticity; when the judging result is 1, the processor 15 can generate 50% or the middle grade of data Authenticity; and when the judging result is that the number of matching information is 0, then 0% or the lowest level of data authenticity will be generated. The above example is described with an example in which the number of secondary applicant features is 2, but the present invention does not limit the number of secondary applicant features.

In addition, the processor 15 may also assign different weights to the characteristics of each secondary applicant during the calculation of the authenticity of the data, and the weights may be pre-stored in the memory 13 in the form of a lookup table. For example, the secondary applicant features include ID number, phone number and address. Compared with the ID card number, the three features will not change, so their weight can be set higher, for example, twice as much as the other two features. In this case, when the judging result of the ID number is consistent and the judging result of the other two is inconsistent, the processor 15 will generate a data authenticity of 50%. In this way, the situation that the system misjudges the data as false due to the fact that some features are easy to change is reduced.

In step S108 of FIG. 2, when the processor 15 judges that the comparison data file does not contain any one of the at least one secondary applicant characteristic and the at least one identification applicant information, In body 13, another comparison data file is searched for judgment based on the main applicant information, or the aforementioned steps S103 and S105 are executed again. The detailed execution content is as described above, and will not be repeated here.

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

In particular, it should be noted that the above process is not limited to be executed only after steps S103 - S107 . That is to say, the selection of the information of the second main applicant, the search of the second comparison data file and the comparison of the contained 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 contained data and the generation of the authenticity of the third data.

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

In step S109, the processor 15 performs 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 authenticity of the data or the average authenticity of the data, and the memory 13 can store a plurality of look-up tables of the authenticity of the preset data and their corresponding specifications. Taking the financial project of opening a bank account as an example, the highest level of default data authenticity can correspond to accounts with the highest withdrawal and transfer limits, while lower default data authenticity can correspond to accounts with lower withdrawal and transfer limits. Receive and transfer credits, and even prohibit transfers to accounts with non-limited 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 as a 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. 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, especially records related to transactions. When the processor 15 judges that the retrieved transaction records do not contain bad records such as negative comments and blacklists, the applicant's credit score is set to a high rank, otherwise it is set to a low rank.

In this embodiment, the processor 15 will perform financial services based on the aforementioned data authenticity and applicant credit, and evaluate through more comprehensive data collection and cross-comparison to improve the correspondence between audit results and actual risks . Similar to the previous embodiment, the memory 13 can store a plurality of preset data authenticity, preset applicant credit and look-up tables of corresponding specifications for the processor 15 to execute. A financial item of creditworthiness specification. Alternatively, the memory 13 may store calculation formulas for data authenticity and applicant credit, as well as a lookup table of a plurality of calculation result values and corresponding specifications. The detailed specification setting is as described in the previous embodiment, so it will not be repeated here.

With the above-mentioned 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 features in the personal information provided by the applicant, other application data corresponding to the detailed features are extracted from the system database or cloud database to evaluate the authenticity of the information submitted by the applicant and implement corresponding financial services. services, improve the accuracy of data review and achieve customized services.

Although the present invention is disclosed by the aforementioned embodiments, they are not intended to limit the present invention. Without departing from the spirit and scope of the present invention, all changes and modifications are within the scope of patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the appended scope of patent application.

1: Financial service application review system 11: Data receiver 13: Memory 15: Processor A, A': application data file B1, B2: pre-stored data files B1': compare data files C1, C2, C3: Applicant characteristics D11, D12, D13: original applicant information D22, D23: Identification of applicant information D31, D32: Other applicant information

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 flow chart 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 (6)

A multi-applicant financial service application review method, comprising: receiving an application data file, the application data file includes a plurality of applicant characteristics and a plurality of original applicant information respectively corresponding to the characteristics of the applicants; selecting the original applications one of the applicant information as a main applicant information, search for a comparison data file containing the main applicant information; when the comparison data file containing the selected one of the original applicant information cannot be found When selecting one of the original application information as the main application information, search for the comparison data file; when all the original applicant information is selected as the main applicant information, the comparison data file cannot be found. When matching data files, the applicant who submitted the application data file is judged as high risk; and when the comparison data file is found, execute: determine whether the comparison data file contains more than one of the characteristics of the applicants secondary applicant 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 The applicant characteristics include an ID card number, a telephone number and an address; when the comparison data file contains the secondary applicant characteristics and the identification applicant information, compare the identification applicant information with the application The original applicant information corresponding to the secondary applicant characteristics in the 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 based on the authenticity of the data; wherein the number of the at least one secondary applicant characteristic is multiple, the number of the at least one identification applicant information is multiple, and compared with the at least Identifying the applicant information and the original applicant information corresponding to the at least one secondary applicant characteristic in the application data file to generate the authenticity of the data includes: judging the at least one applicant information and the application data file corresponding to The amount of information that matches the information of the original applicant with the characteristics of the at least one secondary applicant; and the authenticity of the data generated according to the amount of information; wherein the comparison data file is used as a first comparison data file, and the main applicant information is used as a first primary applicant information, the secondary applicant characteristics as a first secondary applicant characteristic, the judging applicant information as a first judging applicant information, the authenticity of the data as a first data authenticity, And the method further includes: selecting the first main applicant information or the other one of the original applicant information as a second main applicant information, searching for a second comparison including the second main applicant information Data file; judging whether the second comparison data file includes at least one second secondary applicant characteristic among the applicant characteristics and at least one second identification applicant corresponding to the at least one second secondary applicant characteristic information, wherein the at least one second secondary applicant characteristic is different from the applicant characteristic corresponding to the second primary applicant information; and when the second comparison data file includes the at least one second secondary applicant characteristic and the at least one second identification of the applicant information, comparing the at least one second identification 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; at least performing the financial service according to the data authenticity includes performing the financial service according to the first data authenticity, the second data authenticity and a preset weight. The multi-applicant financial service application review method as described in Claim 1 further includes extracting an applicant’s transaction record based on the application data file, so as to generate an applicant’s credit score, wherein at least executing the request based on the authenticity of the data Financial services include performing the financial services based on the authenticity of the information and the creditworthiness of the applicant. The multi-applicant financial service application review method as claimed in claim 1, wherein performing 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 multi-applicant financial service application review system, including: a memory for storing multiple pre-stored data files; a data receiver for receiving an application data file, the application data file contains the characteristics of multiple applicants and corresponding a plurality of original applicant information of applicant characteristics; and a processor, coupled to the memory and the data receiver, configured to: select one of the original applicant information as a primary applicant information, Search for a comparison data file containing the information of the main applicant from the pre-stored data files; when the comparison data file of the selected one containing the information of the original applicants cannot be found, select the original applicants The other one of the 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 and the comparison data file cannot be found, the The applicant who submitted the application data file is judged as high-risk; and when the comparison data file is found, execute: when judging whether the comparison data file contains more of the applicant characteristics in multiple secondary applicant 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, and the secondary applicant characteristics include a ID card number, a telephone number and an address; when it is judged that the comparison data file contains the characteristics of the secondary applicants and the information of the identification applicant, compare the information of the identification applicant with the corresponding information in the application data file the original applicant information on the secondary applicant characteristics to generate a data authenticity of the application data file, wherein the secondary applicant characteristics have different weights in the process of generating the data authenticity; And at least perform different financial services based on the level of authenticity of the data; wherein the at least one secondary applicant characteristic is multiple, the at least one identification applicant information is multiple, and the processor compares the at least When judging the applicant information and the original applicant information corresponding to the at least one secondary applicant characteristic in the application data file to generate the authenticity of the data, it is determined that the at least one applicant information and the application data file corresponding to The amount of information that the original applicant information of the at least one secondary applicant characteristic matches, and the authenticity of the data is generated according to the amount of information; wherein the comparison data file is used as a first comparison data file, and the main applicant information is used as a first primary applicant information, the secondary applicant characteristics as a first secondary applicant characteristic, the judging applicant information as a first judging applicant information, the authenticity of the data as a first data authenticity, And the processor further selects the first main applicant information or the other one of the original applicant information as a second main applicant information, and searches for a second comparison data containing the second main applicant information file, judging whether the second comparison data file includes at least one second secondary applicant characteristic among the applicant characteristics and at least one second identification applicant information corresponding to the at least one second secondary applicant characteristic , wherein the at least one second secondary applicant characteristic is different from the applicant characteristic corresponding to the second primary applicant information, the processor further includes the at least one second secondary application in the second comparison data file When identifying the applicant characteristics and the at least one second secondary applicant information, comparing the at least one second identification applicant information with the original applicant information corresponding to the at least one second secondary applicant characteristics in the application data file, A second data authenticity is generated, and the financial service is executed according to the first data authenticity, the second data authenticity and a preset weight. The multi-applicant financial service application review system as described in Claim 4, wherein the memory further stores a plurality of activity records, and the processor further extracts an applicant from the activity records according to the application data file The transaction records are used to generate an applicant's credit, and the financial service is executed based on the authenticity of the information and the applicant's credit. The multi-applicant financial service application review system as claimed in claim 4, wherein the processor provides a financial item with a specification corresponding to the authenticity of the data when performing the financial service at least based on the authenticity of the data.

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