TWM554597U - Batch loan application data processing system - Google Patents

Abstract

The present utility model relates to a batch loan application data processing system which include a loan server and a mainframe computer. The loan server connect to a client terminal so that can receive a plurality of loan application data. The loan server connector stores a check rule and can compare each loan application data with the check rule. When the loan server select the loan application data which satisfy the check rule, the loan server connector will generate a loan confirmation data. The mainframe computer can receive the loan confirmation data and generate loan account numbers corresponding to the loan application data, then stores the loan account numbers in a user database.

Description

Loan processing batch processing system

This creation is about a batch processing system for loan processing operations, which can receive multiple loan application data from the branch user terminal, and generate a user loan account in batch after checking.

In recent years, with the rapid advancement of technology, more and more company lines can more effectively control, maintain and calculate internal data through systematic electronic devices to create market competitive advantages. This is especially true for the financial services industry, because the business of the financial services industry often involves a large amount of capital changes and scheduling. Therefore, how to transfer and manage data more quickly and efficiently is a current one. Big topic.

In the past, when banks handled the entire batch of loan lending projects, due to the tight operation time and the large amount of case data, it would impose a great burden on the processing staff and could not guarantee the accuracy of the audit. For example, when a certain company is open When employees subscribe for shares, and there are a large number of loan application cases, the bank must investigate their personal data (such as: seniority, salary, title, credit record, etc.) for each employee's application, and analyze and compare them. Evaluate whether the loan can be given. Finally, open a loan account for the approved application. The entire process needs A lot of manpower and energy, and the quality that is difficult to audit.

It can be seen that the current bank relies almost entirely on manpower for the handling of loan projects. It lacks an efficient management and review mechanism, which makes it difficult for the information to be easily extended or error-prone, and the criteria for review are difficult to objectively unify. Therefore, how Designing a system that can handle loan processing in batches is an important issue that this creation is intended to solve.

An embodiment of the present invention provides a batch processing system for loan processing, comprising a levy mail server and a central host, wherein the hiring server has at least a first communication interface and a first memory, the levy The credit server can connect to at least one branch user terminal through the first communication interface to receive a plurality of credit information received by the branch user terminal, and each of the loan information includes at least one user profile; The credit information server can store the loan information in the first memory, and the first memory still stores a check rule, so that the credit server can receive the received loan information one by one. After the checking rules are compared and all the crediting materials complying with the checking rules are selected, the crediting server can generate a batch of confirmation data; the host has at least one second communication interface and one The second memory interface, the second communication interface can be wired or wirelessly connected to the first communication interface, so that the central host can receive the batch sent by the authorization server Confirming the data, and generating a corresponding user loan account for all the loan information that meets the checking rule; the second memory stores a user database, and the center host can deposit the user loan account into the In the user database.

In summary, the creative department automatically conducts batch review of the loan information through the credit information server, and quickly and accurately filters out all the loan data that meets the checking rules, and the central host can uniformly establish corresponding users in batches. The loan account, according to this, not only can more efficiently complete the loan application and account opening procedures, but also facilitates the management and access to relevant information by bank personnel.

1‧‧‧Sending Loan Processing System

11‧‧‧Receiving letter server

111‧‧‧First Communication Interface

112‧‧‧First memory

12‧‧‧ Center Host

121‧‧‧Second communication interface

122‧‧‧Second memory

2‧‧‧ branch user terminal

3‧‧‧Financial Server

D‧‧‧User Database

R‧‧‧Check rules

The first picture is a schematic diagram of the batch processing system of the loan operation of the present creation.

In the following, a plurality of embodiments of the present invention will be disclosed in the drawings. For the sake of clarity, a number of practical details will be described in the following description. However, it should be understood that these practical details are not applied to limit the creation. That is to say, in the implementation part of this creation, these practical details are not necessary. In addition, some of the conventional structures and elements are shown in the drawings in a simplified schematic manner in order to simplify the drawings.

The present invention is a loan processing batch processing system, as shown in FIG. 1 , which is a first preferred embodiment of the present invention. The loan processing batch processing system 1 includes a credit information server 11 and a central host 12 . In this embodiment, the credit information server 11 may be composed of a plurality of computer devices connected to each other in the bank head office, for example, an incoming server, a joint server, a ticket delivery server, and the like. In addition, since the credit server 11 and the central host 12 are computer devices located in the bank's head office, the area can be connected to the local area network or the cable. The cable is wired in the manner of the cable, but in other preferred embodiments of the present invention, the credit server 11 and the central host 12 can also be interconnected via the Internet.

The hiring server 11 is provided with at least one first communication interface 111 and a first memory 112. The hiring server 11 can communicate with at least one branch user terminal 2 through the first communication interface 111. The first communication interface 111 can be a modular device including a network card, a network connector, and a transmission port, but is not limited thereto.

The credit information server 11 can receive the plurality of credit information transmitted by the branch user terminal 2 through the first communication interface 111, and each of the loan information includes at least one user profile (eg, user title, user title) In the present embodiment, the branch user terminal 2 transmits a plurality of credits to the authorization server 11 at a time, but in practice, it can also be transmitted in batches.

The manner in which the credit information server 11 receives the loan information is as follows: In the embodiment, the credit server 11 first provides a setting interface for the undertaker to set relevant parameters; Receiving the loan information transmitted by the branch user terminal 2, each loan application data includes at least the application file and the related person file to record the user's personal data, and the credit information server 11 can automatically start the batch and average Assigned to a to-do list.

After receiving the loan information, the credit information server 11 can first store the credit information in the first memory 112. The first memory 112 further stores a check rule R to enable the sign. The credit server 11 can compare each of the received loan information with the checking rule R one by one, and after screening all the credit information that meets the checking rule, according to all the loan information after the screening, Generate a batch confirmation.

The central host 12 is provided with at least a second communication interface 121 and a second memory 122. The second communication interface 121 can be wired or wirelessly connected to the first communication interface 111 to enable the central host 12 to Receiving the batch confirmation data sent by the authorization server 11 and generating a corresponding one of the user loan accounts for all the subscription materials that meet the verification rule R; the second memory 122 stores a user In the database D, the central host 12 can deposit the user loan account into the user database D (and can also deposit all the credit information after screening), thereby completing the review and account opening procedure of the loan operation. .

The foregoing checking rule R can be arbitrarily adjusted and designed according to the needs of the operator. For example, the checking rule R may include the bottom line of the seniority or salary, the score of the credit rating, the balance of the deposit, the balance after the salary minus the mortgage, and the like. That is, the check rule R may include a plurality of rule determination rules, and the levy letter server 11 can perform the comparison judgment one by one. In this way, the automatic batch review of the levy letter server 11 can quickly and accurately filter all the subscription data that meets the checking rule R, and the central host 12 can uniformly establish the corresponding user loan account in batches. The loan application and account opening procedures will be completed efficiently, and the bank personnel will also be able to manage and access relevant information, greatly improving the immediacy and correctness of the operation.

In addition, in this embodiment, in order to further improve the accuracy of the checking, the authorization server 11 can be connected to a financial server 3 through the enterprise-specific line, and query according to the user's personal data in each of the loan information. Corresponding a credit record, the credit record includes at least a credit line, a repayment record, an unsecured debt balance, and a credit card account payment information, and the credit information server 11 can according to the credit record and the loan Information, with the check rule R Line comparison.

In addition, each of the loan information may include a user deposit account in addition to the user profile, and when the host host 12 establishes the user loan account, the user loan account is simultaneously set to correspond to the user deposit account. In order for the central host 12 to subsequently perform the grant operation, the loan amount can be directly deposited into the user deposit account.

As described above, the branch user terminal 2 can deliver the loan information to the authorization server 11 in batch or batch by batch, and the credit server 11 can wait until after receiving the loan information. After the quantity of the loan information exceeds a predetermined amount (for example, more than 500), the loan information is initially compared with the check rule R.

In this embodiment, the loan processing batch processing system 1 still has a notification function, and when the credit information server 11 compares the loan information, it can be used for the loan information that does not meet the verification rule R. , a rejection message is generated, and the rejection message is transmitted back to the branch user terminal 2.

Similarly, after the central host 12 deposits the user loan account into the user database D, the central host 12 can return a completion message to the hiring server 11, and the levy server 11 can Completing the message, sorting out a qualified roster file (including all the loan information that meets the verification rule R), and transmitting it to the branch user terminal 2.

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

1‧‧‧Sending Loan Processing System

11‧‧‧Receiving letter server

111‧‧‧First Communication Interface

112‧‧‧First memory

12‧‧‧ Center Host

121‧‧‧Second communication interface

122‧‧‧Second memory

2‧‧‧ branch user terminal

3‧‧‧Financial Server

D‧‧‧User Database

R‧‧‧Check rules

Claims (8)

A loan processing batch processing system includes: a levy credit server having at least a first communication interface and a first memory, wherein the hiring server can communicate with the at least one branch user through the first communication interface The terminal is connected to receive a plurality of credit information transmitted by the user terminal of the branch, and each of the loan information includes at least one user profile; the credit server can deposit the loan information into the first In the memory, the first memory further stores a check rule, so that the credit server can compare the received loan data with the check rule one by one, and select all the ones that meet the check rule. At the same time, the credit information server can generate a batch of confirmation data based on all the loan information after the screening; and a central host having at least a second communication interface and a second memory. The second communication interface can be wired or wirelessly connected to the first communication interface, so that the central host can receive the batch confirmation data sent by the authorization server, and the pin All such information in line with the loan application check the rules, generate loans corresponding to one of the user accounts; the second memory stored in the body there is a user database, the user can host the center lending into the user account database. The loan processing batch processing system of claim 1, wherein the credit information server can be connected to a financial server, and querying one of the credit records according to the user personal data in each of the loan information. The loan processing batch processing system as described in claim 2, The credit record includes at least a credit line, a repayment record, an unsecured debt balance, and a credit card account payment information, and the credit request server can use the credit record and the loan information according to the check rule. Compare. The loan processing batch processing system of claim 3, wherein the user profile in each of the loan information includes at least a user title, a user year, and a user salary. The loan processing batch processing system of claim 4, wherein each of the loan information further includes a user deposit account. The loan processing batch processing system according to claim 1, 2, 3, 4 or 5, wherein the credit information server starts from each of the received credit information exceeding a predetermined amount The loan information is compared with the check rule. The loan processing batch processing system according to claim 6, wherein the credit information server can generate a rejection message for the credit information that does not meet the verification rule, and transmit the rejection message to the branch. User terminal. The loan processing batch processing system of claim 7, wherein after the central host deposits the user loan account in the user database, the central host can return a completion message to the authorization server, and The The credit information server can sort out a qualified roster file according to the completion message and transmit it to the branch user terminal.