TWM550862U - Policy loan manager banking system - Google Patents

Abstract

A policy loan manager banking system is operated in at least one loan platform, and is connected to many operating devices through the internet. The system includes a processor, a first input/output (I/O) interface, and a memory. The first I/O is coupled to the processor, and receives loan application documents from the operating devices. The memory is coupled to the processor, and stores many consolidate reports. The processor compares the loan application document with the consolidate reports, then produces comparative data to determine whether to repeat the credit according to the comparison results.

Description

Policy loan manager banking system

The new model relates to a policy loan manager banking system, and in particular to a policy loan manager banking system applied to residential subsidies.

The traditional policy-based loan manager banking system allows each bank to manually check whether the customer has repeatedly applied for loans, calculated the total loan amount of all customers, and the statistical needs and government application funds. However, this traditional loan operation process requires a lot of manpower, is inefficient, and is difficult to centrally manage. With the development of the times and the changes in real needs, the types of loans are increasing, and the traditional loan operation process has been unable to cope with the complicated procedures of loan application and loan-related inquiry.

In order to solve the above problems, one embodiment of the present disclosure provides a policy loan manager banking system. The policy loan manager banking system operates on at least one computer host and is connected to multiple operating devices via a network. Policy Loan Manager Banking System contains processor, first input and lose Interface and memory. The first input/output interface is coupled to the processor and receives a plurality of loan information from the operating device. The memory is coupled to the processor and stores a plurality of summary reports. The processor compares the summary report with the loan application data, and generates comparison data according to the comparison result between the consolidation report and the application loan data for judging whether the loan is repeated.

In some embodiments, the first input and output interface is further configured to receive a plurality of borrower data from the operating device and a plurality of loan materials.

In some embodiments, the memory is further used to store a plurality of borrowed borrower materials.

In some embodiments, the processor is further configured to compare the plurality of borrower materials and the plurality of borrowed borrower materials to determine whether to generate a warning message.

In some embodiments, when at least one of the plurality of borrower materials is different from the plurality of borrowed borrower materials, the processor transmits at least one of the plurality of borrower materials to the memory for storage.

In some embodiments, the policy loan manager banking system further includes a second input/output interface coupled to the processor and configured to receive a plurality of grant materials from the plurality of operating devices.

In some embodiments, the memory is further configured to store the plurality of grant materials, wherein the plurality of grant materials include corresponding multiple grant amount data, multiple grant date materials, multiple credit amount data, and multiple loan maturity data. .

In some embodiments, the processor is further configured to generate a corresponding plurality of allocated amount data according to the plurality of grant amount data; and calculating Describe the amount of the appropriation amount and transfer the calculation result to the memory for storage.

Another embodiment of the present disclosure is directed to a policy loan manager banking system that operates on at least one computer host and is connected to a plurality of operating devices through a network. The policy loan manager banking system includes a processor, an input and output interface, and Memory. The input/output interface is coupled to the processor and configured to receive a plurality of checklists from the plurality of operating devices. The memory is coupled to the processor and configured to store the plurality of check lists. The processor is configured to generate a plurality of report materials according to the plurality of pieces of verification data.

In some embodiments, the plurality of report materials include multiple pieces of approved data, multiple pieces of loan information, and multiple pieces of clearing data.

In summary, the new policy-based loan manager banking system can improve the operational efficiency of the loan business by automatically querying the amount of the grant, whether to repeat the loan, and managing the interest subsidy.

100‧‧‧ Policy Loan Manager Banking System

110‧‧‧First input and output interface

120‧‧‧Second input and output interface

130‧‧‧ third input and output interface

140‧‧‧ processor

150‧‧‧ memory

160‧‧‧Communication interface

170‧‧‧Operator

180‧‧‧Network

200‧‧‧ method

S210, S220, S230, S231, S232, S240, S241, S242, S250, S251, S252‧‧‧ operation

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood. The description of the drawings is as follows: FIG. 1 is a policy loan manager according to some embodiments of the present invention. A schematic diagram of a banking system; and FIG. 2 is a flow diagram of a method performed by the policy loan manager banking system of FIG. 1 in accordance with some embodiments of the present invention.

In order to make the description of this novel more detailed and complete, please refer to The accompanying drawings and the various embodiments described below. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessarily limiting the present invention.

The terms "coupled" or "connected" as used in the following various embodiments may mean that two or more elements are "directly" in physical or electrical contact with each other, or are "indirectly" in physical or electrical contact with each other. It can also mean that two or more components interact with each other.

Unless otherwise defined, all terms (including technical and scientific terms) used herein are intended to mean the meaning Furthermore, the definition of the above vocabulary in a commonly used dictionary should be interpreted as a meaning consistent with the related art of the present invention in the content of the present specification. Unless specifically defined, these terms are not to be interpreted as idealized or overly formal.

In this document, "one" and "the" can be used to mean one or more, unless the article specifically defines the article. It will be further understood that the terms "comprising", "comprising", "having", and <RTIgt; One or more of its other features, regions, integers, steps, operations, elements, components, and/or groups thereof.

The terms “first”, “second”, etc. used in this document are not specifically intended to refer to the order or order, nor are they intended to limit the present invention, but merely to distinguish between elements or operations described in the same technical terms. Only.

In some implementations, the present invention provides a policy loan manager banking system that efficiently manages loan information and generates multiple loan statements.

In some embodiments, the policy loan manager banking system in this case is a system designed for a subsidy program for earthquake-damaged households. However, it is not limited thereto, and any project requiring loans or subsidies is protected by this disclosure. In the range.

1 is a schematic diagram of a policy loan manager banking system 100, depicted in accordance with some embodiments of the present invention. As shown in FIG. 1 , in some embodiments, the policy loan manager banking system 100 can be at least one computer host (not shown) operating in the manager bank and connected to the plurality of operating devices 170 via the network 180 . In some embodiments, network 180 can include both wired and wireless networks. In some embodiments, the operating device 170 may be a computer host located in a loan financial institution, but is not limited thereto. Any device that can transmit data to the policy loan manager banking system 100 via the network 180 is disclosed in the present disclosure. Within the scope of content protection.

In some embodiments, the operating device 170 includes a display device, a processor, an input device, and a memory. In some embodiments, the above display device can be implemented by a computer screen or a touch screen. In some embodiments, the above processor may be implemented by a central processing unit (CPU). In some embodiments, the input device described above can be implemented by a keyboard, a mouse, or a voice input device. In some embodiments, the memory can be implemented by computer built-in memory.

The above-mentioned operation of the policy loan manager banking system 100 The environment is only an example, but the disclosure is not limited thereto, and various operating environments suitable for the policy loan manager banking system 100 are within the scope of the disclosure.

In some embodiments, the policy loan manager banking system 100 includes a first input/output (I/O) interface 110, a processor 140, a memory 150, and a communication interface 160. The processor 140 is coupled to the first input and output interface 110 , the memory 150 , and the communication interface 160 .

In some embodiments, the communication interface 160 is configured to receive instructions from the operating device 170. For example, the above instructions include repeated loan inquiry, data maintenance, checklist maintenance, report generation, and branch maintenance related instructions, but are not limited thereto, and any loan related instructions are within the scope of the disclosure. . In some embodiments, the communication interface 160 includes a network communication interface for connecting to the operating device 170 in each bank via the network 180 to receive various needs to be transmitted from the operating device 170 within the loan financial institution to the manager bank. Information on the Banking System 100 within the policy loan manager. Various communication interfaces that can be used to connect the operating device 170 and the policy loan manager banking system 100 are all within the scope of the present disclosure.

In some embodiments, the first input and output interface 110 is configured to receive a plurality of credit information associated with a plurality of customers. In some embodiments, the plurality of loan information includes damage to the owner's household registration number, damage to the owner's name, damage to the homeowner's ID number, damage to the owner's spouse's name, damage to the homeowner's spouse's ID number, and borrowing Name of the person, the name of the borrower's ID card, the name of the borrower's spouse, the name of the borrower's spouse's ID card, the type of loan, the date of application, the amount of the application, the location of the damaged house The address and the date of application, but not limited to this, any loan related materials are within the scope of this disclosure. In some embodiments, multiple pieces of loan information are created by operating devices 170 within each row. For example, a bank accountant of a lending financial institution may input the corresponding loan information of each customer to the policy loan manager banking system 100 via an input device (such as a keyboard) of a computer host in the lending financial institution.

In some embodiments, the processor 140 generates comparison data according to the loan information, and determines whether to repeat the loan according to the comparison data. In some embodiments, the processor 140 may be a central processing unit, an application-specific integrated circuit (ASIC), a multi-processor, a distributed processing system, or a suitable processor, but is not limited thereto. The various circuits or units used to implement processor 140 are within the scope of the present disclosure.

In some embodiments, the memory 150 is configured to store a plurality of summary reports associated with a plurality of customers. In some embodiments, the plurality of reconciliation reports include loan information of all customers received by the lending financial institution. For example, a bank member of a lending financial institution may establish a plurality of reconciliation statements on the policy loan manager banking system 100 based on each customer's loan information. In some embodiments, memory 150 is a computer readable storage medium. For example, computer readable storage media includes semiconductor or solid state memory, magnetic tape, removable computer diskettes, random access memory (RAM), read only memory (ROM), hard disk and/or Optical disk. In one or more embodiments using an optical disk, the computer readable storage medium comprises a CD-ROM, a CD-R/W, and/or a digital video. Disc (DVD).

In some embodiments, the policy loan manager banking system 100 can further include a second input and output interface 120. The second input and output interface 120 is also coupled to the processor 140.

In some embodiments, the second input and output interface 120 is configured to receive a plurality of grant profiles associated with a plurality of clients. In some embodiments, the plurality of grant information includes the amount of the loan, the amount of the grant, the date of the grant, and the term of the loan. In some embodiments, the plurality of grants are created by the operating device 170 within the loan financial institution. For example, a bank member of a lending financial institution can input the corresponding appropriation data of each customer to the policy through the network 180 via an input device (such as a keyboard) of the computer host (ie, the operating device 170) in the lending financial institution. Loan Manager Banking System 100.

In some embodiments, the processor 140 generates the funded amount based on the plurality of grants, calculates the funded amount, and stores the calculated result in the memory 150. In some embodiments, the memory 150 is used to store multiple grants.

In some embodiments, the policy loan manager banking system 100 can further include a third input and output interface 130. The third input and output interface 130 is coupled to the processor 140.

In some embodiments, the third input/output interface 130 is configured to receive a plurality of verification data associated with a plurality of customers. In some embodiments, the plurality of approved data includes the amount of the previous month's loan, the number of loans in the current month, the number of loans recovered this month, the non-reimbursement of the subsidy for the period, the balance of the loan this month, and the amount of the government's subsidized interest based on the loan balance. And dispose of the collateral and return it from the date of the owed The amount of interest on the treasury subsidy for the collection date and the amount of interest payable by the actual government this month. In some embodiments, multiple copies of the data are created by the operating device 170 within the loan financial institution. For example, a bank member of a lending financial institution may input the corresponding audited data of each customer to the policy via the network 180 via an input device (such as a keyboard) of a computer host (ie, operating device 170) in the lending financial institution. Sex Loan Manager Banking System 100.

In some embodiments, the processor 140 generates the subsidy amount data according to the plurality of verification data and an interest trial calculation table, and generates a plurality of reports to be stored in the memory 150 based on the subsidy amount data.

In some embodiments, the memory 150 is configured to store a plurality of verification data input via the third input/output interface 130 and a plurality of reports generated by the processor 140.

In some embodiments, the policy loan manager banking system 100 may further include a fourth input/output interface (not shown). The processor 140 is coupled to the fourth input and output interface.

In some embodiments, the fourth input/output interface is configured to receive related information of the branch office code and the branch name. In some embodiments, the processor 140 transfers the branch code name of the branch office name to the memory 150 for storage.

In some embodiments, the first input/output interface 110, the second input/output interface 120, and the third input/output interface 130 each include a screen configured to display multiple credit data, grant data, verification data, and multiple Report. In this example, multiple loan information, grant information, and approved data can be presented on this screen in the form of a form. In some embodiments The above screen is set to display a prompt message. In this example, the prompt message may be a warning message, for example, "the user has already applied for a loan", or may be a confirmation message, for example, "the data is newly added successfully", but is not limited thereto, and any prompt message is in the present disclosure. Within the scope of content protection.

In some embodiments, the first input and output interface 110, the second input and output interface 120, and the third input and output interface 130 include a graphical user interface (GUI).

The various embodiments described above in connection with Figure 1 are for illustration only, and different systems may have different configurations. In some embodiments, the policy loan manager banking system 100 can include at least one or both of the first input and output interface 110, the second input and output interface 120, and the third input and output interface 130.

The traditional way of lending is to operate independently through each bank, and to self-assess the amount of funds to be allocated and to apply for subsidies independently to the government for approval. Compared with the traditional loan method, the loan method in this case is a central management method. In detail, the lending financial institutions send the corresponding loan information through the network 180 to the policy loan manager bank system 100 located at the manager bank, the manager bank uniformly manages the loan information and the government applies for subsidies. With the policy loan manager banking system 100, the lending financial institution can easily check whether the lender repeats the loan; the amount of the grant generated by the lending financial institution can be automatically calculated and fully posted; and the need can be easily generated. A breakdown of government subsidies. As a result, loan operations can be managed more automatically and efficiently.

2 is a diagram of some embodiments of the present invention A flowchart of a method 200 performed by the policy loan manager banking system 100 of FIG. Referring to FIG. 1 and FIG. 2 together, the operation of the policy loan manager banking system 100 will be described in conjunction with the method 200.

In operation S210, the communication interface 160 receives an instruction from the operating device 170 and transmits the received command to the processor 140.

In operation S220, the processor 140 determines to transmit the data to the first input/output interface 110, the second input/output interface 120, or the third input/output interface 130 according to the type of the instruction. For example, if the command received by the communication interface 160 is a related instruction for repeating the loan inquiry, the data is transmitted to the first input/output interface 110; if the command received by the communication interface 160 is the relevant instruction for data maintenance, The data is transmitted to the second input/output interface 120; if the command received by the communication interface 160 is an instruction related to the maintenance of the loan check list, the data is transmitted to the third input/output interface 110.

In operation S230, the first input/output interface 110 receives the loan information. Corresponding to operation S230, the lending financial institution selects “Add” in the data construction, selects the type of project financing, and selects the code of the loan financial institution, and inputs “destroyed home ownership household number (house number)”, "Destroy the name of the owner of the house", "Destroy the owner's ID number", "Destroy the name of the spouse of the owner of the house", "Destroy the owner's spouse ID number", "The name of the borrower", "The name of the borrower's ID card" "Borrower's spouse's name" and "borrower's spouse's ID number", select the loan type, select the application date, enter the application amount, enter the address of the damaged house, and select the application year and month.

In operation S231, the processor 140 compares the loan information and the record. Recall whether the loan information stored in the body 150 is the same. In some embodiments, the memory 150 stores a plurality of summary reports, wherein the plurality of summary reports include a plurality of credited data, and the processor 140 compares the loan data received from the first input and output interface 110 with the memory 150. Multiple submitted loan data in the stored summary report.

In operation S232, the processor 140 determines to generate an alert message or a confirmation message and writes the loan information into the memory 150. In some embodiments, if the borrower information in the loan information and the at least one of the plurality of loan information are the same, the processor 140 displays the warning message via the first input/output interface 110, wherein the warning message is The content is "The household has already applied for a loan." In some embodiments, if the borrower data in the loan information and the plurality of borrower materials in the plurality of loan information are different, the processor 140 displays a confirmation message via the first input/output interface 110, wherein the content of the confirmation message is The data is newly added successfully, and the credit information is written into the memory 150, that is, a new loan information is added to the summary report in the memory 150.

In operation S240, the second input/output interface 120 receives the grant information. In operation S241, the processor 140 generates the allocated amount based on the grant information. Corresponding to operation S241, the lending financial institution may click “data maintenance” in the allocation file pull-down menu, select “proposal financing type” and input “destroyed home ownership household number (number)”, “destroyed residential ownership” After the confirmation, the system will generate some of the information that was created at the time of application, and then click on “Add” and enter the “nuclear loan amount”, “grant amount”, "Date of grant" and "term of loan". In some embodiments, processor 140 will receive the grant each time. The amount of the grant in the data is automatically added to generate the amount of the grant.

In operation S242, the processor 140 stores the allocated amount in the memory 150. Corresponding to operation S242, after the confirmation, a message "Successful data addition" is generated and "Loan balance" displays the accumulated amount of the appropriation. After confirming that the information is correct, the manager bank clicks “Send” in the drop-down menu of the appropriation file, selects “Special Financing Type” and “Drawing Loan Information Year” to complete the filing.

In some embodiments, after confirming that the newly added funding information is correct, the manager bank personnel can send the "send" related instruction displayed on the display device via an input unit (for example, a mouse), that is, complete the filing operation.

In operation S250, the third input/output interface 130 receives the verification data. In operation S251, the processor 140 stores the verification data in the memory 150. Corresponding to operation S251, the lending financial institution may click “Loan Maintenance List Maintenance” in the report drop-down menu, and select the year, month, project financing type and report type of the report information to be filed, and a blank is generated after confirmation. Form and enter the fields for each field.

In operation S252, the processor 140 generates at least one report according to the verification data. Corresponding to operation S252, the lending financial institution may click the “loan check list” in the form drop-down menu, and select the year and month of the report data to be queried or downloaded, and after verification, generate a check list for the month, and then select To download the format, you can download the monthly checklist. Corresponding to operation S252, the lending financial institution may select the “loan loan list” in the form drop-down menu, and select the year and month of the report data to be queried or downloaded, and after confirming, generate the loan information of the month, and then select To download the format, you can The monthly loan list is included. Corresponding to operation S252, the lending financial institution may select the "loan settlement list" in the form drop-down menu, and select the year and month of the report data to be inquired or downloaded, and after confirmation, the completed sales operation of the month is generated. The data, then select the format to download to download the monthly settlement list. In some embodiments, the plurality of statements includes a loan approval list, a loan loan list, and a loan settlement list, but is not limited thereto, and any report that can be generated based on the verification data is within the scope of the disclosure. .

In some embodiments, the bank of the lending financial institution prints the above-mentioned loan approval list, the loan loan list, and the loan settlement list and sends it to the manager's bank on a monthly basis with the receipt, and the manager bank applies for subsidy from the government agency. interest. The three reports above are only examples. Various types of reports that may be generated by the policy loan manager banking system 100 are within the scope of this disclosure.

The multiple operations of the above method 200 are merely examples, and are not limited to the sequential execution of the above examples. The various operations at method 200 may be appropriately added, replaced, omitted, or performed in a different order, without departing from the scope of operation of the embodiments of the present disclosure.

In some embodiments, the method 200 can be implemented as a computer program product (such as an application) and stored in a computer readable recording medium (for example, the memory 150 of FIG. 1) to enable the computer to read Method 200 is performed after this recording medium. Computer-readable recording media can be read-only memory, flash memory, floppy disk, hard disk, optical disk, flash drive, tape, network accessible database or familiar with the art can easily think of the same The function of the computer can read the recording medium.

In addition, the above embodiments are only described by taking a single data into the policy loan manager banking system 100 as an example, but the present invention is not limited thereto. In various embodiments, the policy loan manager banking system 100 can receive a large number of data forms via the communication interface 160 instead of a single data step by step input. In other words, in some embodiments, the policy loan manager banking system 100 also includes a data import function.

In summary, the new policy-based loan manager banking system 100 can improve the operational efficiency of the loan business by automatically querying the amount of the grant, whether to repeat the loan, and managing the interest subsidy.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention. Any one skilled in the art can make various changes and retouchings without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.

100‧‧‧ Policy Loan Manager Banking System

110‧‧‧First input and output interface

120‧‧‧Second input and output interface

130‧‧‧ third input and output interface

140‧‧‧ processor

150‧‧‧ memory

160‧‧‧Communication interface

170‧‧‧Operator

180‧‧‧Network

Claims (10)

A policy loan manager banking system, which operates on at least one computer host and is connected to a plurality of operating devices through a network. The policy loan manager banking system comprises: a processor; a first input/output interface coupled to The processor is configured to receive a plurality of credit data from the operating devices; and a memory coupled to the processor and configured to store a plurality of summary reports, wherein the processor is configured to compare the The written loan information is based on the comparison result of the summary report and the written loan information to generate a comparison data for judging whether the loan is repeated. The policy loan manager banking system of claim 1, wherein the first input/output interface is further configured to receive a plurality of borrower data and a plurality of loan materials from the operating devices. The policy loan manager banking system as claimed in claim 2, wherein the memory is used to store a plurality of borrowed borrower materials. The policy loan manager banking system of claim 3, wherein the processor is further configured to compare the borrower information and the borrowed borrower data to determine whether a warning message is generated. Policy Banking Manager Banking as described in Request 3 The system, when at least one of the pieces of the borrower's information is different from the information of the borrowed borrower, the processor transmits the at least one of the plurality of borrower materials to the memory for storage. The policy loan manager banking system of claim 1, further comprising: a second input/output interface coupled to the processor and configured to receive the plurality of grant materials from the operating devices. The policy-based loan manager banking system of claim 6, wherein the memory is further used for storing the appropriation data, wherein the appropriation data includes a corresponding plurality of appropriation amount data, a plurality of appropriation date data, and a plurality of sub-lending Amount data and multiple loan term information. The policy-based loan manager banking system of claim 7, wherein the processor is further configured to: generate corresponding plurality of allocated amount data according to the amount of the amount of the grant; and calculate the amount of the allocated amount and The result of the calculation is transferred to the memory for storage. A policy loan manager banking system operating on at least one computer host and connected to a plurality of operating devices via a network, the policy loan manager banking system comprising: a processor; An input/output interface coupled to the processor and configured to receive a plurality of digital data from the operating devices; and a memory coupled to the processor and configured to store the digital data The processor is configured to generate a plurality of report materials according to the data of the pens. The policy loan manager banking system as claimed in claim 9, wherein the statement materials include a plurality of verification data, a plurality of loan allocation materials, and a plurality of settlement data.