TWM557407U - Credit review system - Google Patents

Abstract

An auditing unit of a credit review system receives a credit information of a bank to be audited containing a customer identification data to be audited from a database unit, and transmits a first query request containing the customer identification data to be audited to a financial joint credit information The server receives a first query result. The auditing unit determines, according to the first query result, that the financial joint credit information server stores at least one piece of credit information related to the customer identification data to be audited, and transmits a second query request to the financial joint credit information server to receive from the bank The at least one other credit information. The auditing unit transmits a confirmation control result to the database unit when it is determined that the at least one other credit information and the pending credit information of the bank comply with a regulatory condition related to credit risk.

Description

Credit review system

The present invention relates to an automated system, and more particularly to a credit review system for banking units.

After the bank unit approves the credit card application or loan application submitted by the customer, it often needs to keep track of the credit status of the customer to effectively control the credit risk of the banking unit.

In order to fully assess the credit status of each customer, in addition to assessing the risk of each customer's credit information in their own bank, the banking unit must also refer to the “Financial Joint Credit Information Center”, a credit reporting agency among financial institutions. Credit information of all customers at other banks. However, the access to credit information from the Financial Joint Credit Information Center must pay the relevant fees, and as the number of customers in the banking unit increases, the more fees the bank unit derives from accessing the information from the Financial Joint Credit Information Center. . Therefore, how to optimize the mode of "reviewing credit information to the Financial Joint Credit Information Center" has become an important issue.

Accordingly, it is an object of the present invention to provide a credit review system that can improve the prior art.

Therefore, the new credit review system is adapted to electrically connect to a financial joint credit server, the credit audit system comprising a database unit and an audit unit. The database unit stores a plurality of credit information of the Bank, and the credit information of the Bank is related to a plurality of different customers of the Bank, and each credit information of the Bank includes a unique customer identification data. The audit unit is electrically connected to the database unit. The audit unit receives, from the database unit, one of the credit information of the bank to be audited, and defines the customer identification data included in the credit data of the bank to be audited as a customer identification data to be audited. The auditing unit generates and transmits a first query request including the pending customer identification data to the financial joint credit server. The auditing unit receives a first query result that should be the first query request from the financial joint credit information server, and determines that the first query result indicates that the financial joint credit information server stores at least one relevant to the waiting When reviewing the credit information of the customer identification data, a second query request containing the customer identification data to be reviewed is generated and transmitted to the financial joint credit server. The auditing unit receives the at least one other credit information transmitted by the financial joint credit server according to the second query request, and treats the at least one other credit information and the credit information to be reviewed as a Review and integrate credit information. The auditing unit determines whether the consolidated credit information to be reviewed complies with a regulatory condition related to credit risk, and when the auditing unit determines that the consolidated credit information to be reviewed meets the regulatory condition, generates and transmits a confirmation control result to the database. unit.

In some implementations of the new credit review system, the database unit includes a credit card host electrically connected to the audit unit, and a loan host electrically connected to the audit unit, the credit card host storing at least one credit card information of the bank. The loan host stores at least one loan information of the Bank. The credit information of the Bank includes at least one of the credit card information of the at least one bank and the loan information of the at least one bank.

In some implementations of the new credit review system, when the auditing unit determines that the first query result indicates that the financial joint credit information server does not store any credit information including the pending customer identification data, The audit unit uses the credit information of the bank to be audited as the consolidated credit data to be reviewed.

In some implementations of the new credit review system, each credit information of the Bank also contains at least one historical payment record of the Bank. Each historical payment record of the Bank includes a payable period and a corresponding response. The actual payment time for the payment period. Defining the historical payment records of these banks, the actual payment time included in each of the payment deadlines is one for each bank's delayed payment record. Before the first inquiry request is generated, the audit unit first determines whether the credit information of the bank to be audited meets a potential risk condition, and the potential risk condition includes the delayed payment of the bank included in the credit data of the bank to be audited. The number of records is greater than or equal to one. The first query request is generated when the auditing unit determines that the credit data of the bank to be audited meets the potential risk condition.

In some implementations of the new credit review system, each credit information of the Bank also contains at least one historical payment record of the Bank. Each historical payment record of the Bank includes a payable period and a corresponding response. The actual payment time for the payment period. Defining the historical payment records of the Bank, each of the actual payment time included in the payment period is a row of deferred payment records. Each credit information includes at least one historical payment record, which defines one of the historical payment records of the other, including one of the actual payment time being later than the one of the payment deadlines. Delay in payment records. The control condition includes: the number of the delayed payment records of the bank included in the consolidated credit information to be reviewed for a predetermined period of time, and the sum of the number of the delayed payment records of the other bank is greater than the number of delayed payment Threshold.

The function of the new model is that the auditing unit can automatically transmit the first query request to the financial joint credit information server when receiving the credit information of the bank to be audited, and determine the financial joint credit information servo. When storing the one or more other credit information related to a specific customer of the same bank, the second query request is further transmitted to the financial joint credit server from the financial joint credit server Receiving the one or more other credit information. In addition, the auditing unit can further use the credit information of the bank to be audited and the one or more other credit information as the integrated credit information to be reviewed, and determine whether the consolidated credit information to be reviewed complies with the control condition. In this way, the specific bank unit can effectively assess whether there is any credit concern for the Bank's customers who hold the credit product and have potential risks, and at the same time save the specific bank unit to the financial joint credit information. The fee for the center to enquire or request information.

Referring to FIG. 1, an embodiment of the present novel credit review system 1 is, for example, managed by a specific banking unit, and the credit review system 1 is adapted to electrically connect a financial joint credit server managed by the financial joint credit center. 50.

The Financial Joint Credit Information Center is a credit reporting agency across financial institutions. The financial joint credit server 50 stores a plurality of credit data relating to customers of different banking units.

For convenience of explanation, among the credit information defined, more than one of the other banking units other than the specific banking unit are multiple pieces of other credit information.

Each credit information may be, for example, one of his credit card information and one of his other loan information, and each of his credit information contains one or more historical payment records and a history of his own notes. .

For convenience of explanation, each of the historical payment records of the other definitions is included in each of the actual payment deadlines, which is later than the one of the payment deadlines.

Each of the other note records is related to the credit status of the customer corresponding to the credit information of the other bank, and is established, for example, by the other bank units that have financial transactions with the customer. Specifically, each of the other note records indicates whether the corresponding customer has a bad debt, a forced stop, a strong stop loan, a check refund, or a bad credit record as a refusal of the other bank unit. .

The credit review system 1 of the present embodiment includes a database unit 11, and an audit unit 12 electrically connected to the database unit 11 and the financial joint credit server 50.

The database unit 11 stores a plurality of credit information of the bank, and the credit data of the bank are respectively related to a plurality of different customers of the bank of the specific bank unit.

In more detail, the database unit 11 includes a credit card host 111 electrically connected to the audit unit 12, and a loan host 112 electrically connected to the audit unit 12. The credit card host 111 and the loan host 112 are respectively managed by a credit card department and a loan department of the specific banking unit, but are not limited thereto. The credit card host 111 stores a plurality of credit card materials of the bank, and the loan host 112 stores a plurality of loan materials of the bank.

In this embodiment, part of the credit information of the Bank is the credit card information of the Bank, and the other parts of the credit information of the Bank are the loan information of the Bank. In other words, the credit information of the Bank is the sum of the credit card information of the Bank and the loan materials of the Bank. However, in other embodiments, the credit information of the Bank may also be one of the credit card information of the Bank and the loan information of the Bank, and is not limited to the embodiment.

Each credit information of the Bank contains a unique customer identification data and a number of historical payment records of the Bank. It is added that the number of historical payment records of the Bank included in each credit information of the Bank may also be a single amount, and is not limited to this embodiment.

The customer identification data may be, for example, the identity card number of the corresponding customer of the bank, but is not limited thereto.

Each historical payment record of the Bank includes a payable amount, a payable period, and an actual payment time corresponding to the due period.

Specifically, when one of the Bank's credit materials is substantially in the credit card information of the Bank, each of the Bank's historical payment records included is essentially a credit card history payment record. When another credit information of the Bank belongs to the loan information of the Bank, each historical payment record included in the Bank is essentially a loan history payment record, but not limited to this. For ease of understanding, an example of the historical payment history of the Bank is as follows:         <TABLE border="1" borderColor="#000000" width="85%"><TBODY><tr><td> Amount due </td><td> Due period </td><td > Actual payment time</td></tr><tr><td> NT$30,561 </td><td> 2017/09/25 </td><td> 2017/09/23 </td>< /tr></TBODY></TABLE>

For the convenience of explanation, each of the historical payment records of the Bank is defined as the one of the bank's delayed payment records, which is included in the actual payment period. In addition, in other embodiments, the Bank's deferred payment record may also refer to the Bank that includes the actual payment time that is later than the due period of more than a predetermined number of days (for example, 10 days). Historical payment records, not limited to this embodiment. For ease of understanding, an example of the delayed payment schedule for the two-day delay period is as follows:         <TABLE border="1" borderColor="#000000" width="85%"><TBODY><tr><td> Amount due </td><td> Due period </td><td > Actual payment time</td></tr><tr><td> NT$165,03 </td><td> 2017/09/25 </td><td><b><u>2017/ 09/27</u></b></td></tr></TBODY></TABLE>

Referring to FIG. 2, the following describes how the credit review system 1 of the present embodiment cooperates with the financial joint credit information server 50 to implement a credit review method. The credit review method is used to assess the credit status of the Bank's customers who hold credit products (such as credit cards or credit loans) for that particular banking unit.

First, in step S1, the auditing unit 12 receives, from the database unit 11, a credit data of the bank to be audited among the credit information of the bank. The database unit 11 can, for example, periodically and periodically (e.g., every other month) automatically transfer the pending credit information of the bank to the review unit 12. Alternatively, after the audit unit 12 firstly and automatically sends a credit information request to the database unit 11, the database unit 11 returns the credit information request to return the credit data of the bank to be reviewed. The review unit 12, but not limited thereto. For the convenience of explanation, the customer of the Bank related to the credit information of the Bank to be audited is defined as a specific customer of the Bank, and the customer identification data included in the credit data of the Bank to be audited is a customer identification data to be audited. Next, step S2 is performed.

In step S2, the auditing unit 12 determines whether the credit data of the bank to be audited meets a potential risk condition. In this embodiment, the potential risk condition includes that the number of the delayed payment records of the bank included in the credit data of the bank to be audited is greater than or equal to one. However, in other embodiments, the potential risk condition may also be that the number of the delayed payment records of the bank included in the credit data of the bank to be audited is greater than or equal to two or other quantities, but is not limited thereto. When the auditing unit 12 determines that the credit data of the bank to be audited meets the potential risk condition, step S3 is performed. When the auditing unit 12 determines that the credit information of the bank to be audited does not meet the potential risk condition, the auditing unit 12 regards the credit information of the bank to be audited as a credit information to be reviewed and proceeds to step S8.

In step S3, the auditing unit 12 generates and transmits a first query request containing the pending customer identification data to the financial joint credit server 50. Specifically, the first query request is used to query whether the other credit information stored in the financial joint credit information server 50 is related to the credit card information of the particular customer of the particular bank or is Bank loan information. Next, step S4 is performed.

In step S4, the auditing unit 12 receives a first query result from the financial joint credit server 50 that should be the first query request. Next, step S5 is performed.

In step S5, the auditing unit 12 determines whether the first query result indicates that the financial joint credit information server 50 stores one or more pieces of other credit information including the customer identification data to be reviewed. When the auditing unit 12 determines that the first query result indicates that the financial joint credit information server 50 stores one or more pieces of credit information including the customer identification data to be reviewed, step S6 is performed. When the auditing unit 12 determines that the first query result indicates that the financial joint credit information server 50 does not store any credit information including the pending customer identification data, the auditing unit 12 reviews the bank to be audited. The credit information is used as the integrated credit information to be reviewed, and step S8 is performed.

In step S6, the auditing unit 12 generates and transmits a second query request containing the pending customer identification data to the financial joint credit server 50. Specifically, the second query request is used to request the financial joint credit information server 50 to include all the credit card information and/or the other loan information including the customer identification information to be reviewed. Next, step S7 is performed.

In step S7, the auditing unit 12 receives the one or more other credit information transmitted by the financial joint credit server 50 according to the second query request, and the one or more other credits The information and the credit information of the Bank to be audited are jointly used as the consolidated credit information to be reviewed. Next, step S8 is performed.

In step S8, the auditing unit 12 determines whether the pending credit information to be reviewed complies with a regulatory condition related to credit risk. In this embodiment, the regulatory condition represents that the pending credit information to be reviewed meets any of the following sub-conditions: 1. The bank's delayed payment record included in the consolidated credit information to be reviewed for a predetermined period of time The sum of the number and the number of deferred payment records for the other line is greater than the threshold for the number of deferred contributions. The subscription period may be, for example, within the past three months, and the threshold may be, for example, two. 2. The pending credit information to be reviewed includes at least one credit information of the other bank, and the other bank note record included in the at least one other bank credit data indicates that the particular customer has a bad debt, a forced stop card, and a strong stop. Loan, check refund, or any bad credit record listed as a refusal of the current account. 3. The review unit 12 calculates a credit score value calculated by the credit score algorithm for the integrated credit data to be reviewed to be lower than a credit estimate threshold. Since the details of the credit scoring algorithm are not the technical focus of this case, they are not described here. When the auditing unit 12 determines that the consolidated credit information to be reviewed complies with the regulatory condition, step S9 is performed. When the review unit 12 determines that the consolidated credit information to be reviewed does not meet the regulatory condition, the credit review method ends. It is to be noted that the above sub-conditions are only used to exemplarily describe the embodiment, and the contents of the sub-conditions can be adjusted and set according to different requirements, and are not limited to the embodiment.

In step S9, the auditing unit 12 generates a pair of credit data to be audited, and includes the confirmation control result of the customer identification data to be reviewed, and transmits the confirmation control result to the database unit 11. Specifically, if the pending credit information to be reviewed includes the credit card information of the bank from the credit card host 111, the review unit 12 transmits the confirmation control result to the credit card host 111 for the credit card host 111 to The credit card information of the Bank is listed as a controlled credit card information of the Bank. Similarly, if the pending consolidated credit information includes the bank loan information from the loan host 112, the review unit 12 transmits the confirmation control result to the loan host 112 for the loan host 112 to The loan information of the Bank is listed as a controlled loan information of the Bank, but not limited to this.

Specifically, the auditing unit 12 transmits the second query request to the financial joint credit information server 50, and after receiving the credit information from the financial joint credit information server 50, the specific banking unit The relevant information is required to request the fee to the Financial Joint Credit Information Center. Moreover, if the auditing unit 12 does not transmit the first query request first, but directly transmits the second query request to the financial joint credit information server 50, even if there is no any in the financial joint credit information server 50 The credit information of the bank containing the customer identification data to be reviewed, the specific bank unit still needs to pay the same data to request the fee to the financial joint credit center, which causes the specific bank unit to waste the data request fee. Therefore, in the step S3 of the credit review method of the embodiment, the auditing unit 12 first transmits the effect of the first query request to the financial joint credit information server 50, that is, the first query result can be determined according to the first query result. The second joint inquiry request is further transmitted to the financial joint credit information server 50 when the financial joint credit information server 50 does store the other credit information including the customer identification data to be reviewed. Although the review unit 12 transmits the first query request to the financial joint credit server 50 to obtain the first query result, the specific bank unit still needs to pay the relevant query fee to the financial joint credit center, but The inquiry fee caused by transmitting the first query request is substantially lower than the data request fee caused by transmitting the second query request. Therefore, as a whole, the credit review method of the present embodiment can effectively save the total cost of the specific banking unit to be paid to the financial joint credit center.

It should be noted that, in the credit review method implemented by another embodiment, after the step S1 is performed by the auditing unit 12, step S2 may be omitted, and step S3 may be directly performed. That is to say, in another embodiment, the auditing unit 12 does not judge the potential risk condition of the credit information to be audited, but after receiving the credit information of the bank to be audited. The first query request is directly generated and transmitted to the financial joint credit server 50, and is not limited to the embodiment.

In summary, the auditing unit 12 of the new credit review system 1 can automatically transmit the credit data of the bank to be audited when it is determined that the credit data of the bank to be audited meets the potential risk condition. The first query request is sent to the financial joint credit information server 50, and when it is determined that the financial joint credit information server 50 stores the one or more other credit information related to a specific customer of the same bank, The second query request is further transmitted to the financial joint credit server 50 to receive the one or more other credit data from the financial joint credit server 50. In addition, the review unit 12 can further use the credit information of the bank to be audited and the one or more other credit information as the integrated credit data to be reviewed, and determine whether the integrated credit data to be reviewed complies with the control condition. . In this way, the Bank's customers who have held the credit products issued by the specific banking unit and have potential risks can fully assess whether they have credit concerns, and also save the specific banking unit to the financial union. The credit information center can inquire or request the information, so it can achieve the purpose of this new type.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

1‧‧‧credit review system
11‧‧‧Database unit
111‧‧‧ Credit card host
112‧‧‧Loan host
12‧‧‧Audit unit
50‧‧‧Financial Joint Credit Server
S1~S9‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a block diagram showing an embodiment of the present invention, which is electrically connected to a financial joint credit server. And FIG. 2 is a flow chart exemplarily illustrating how the embodiment implements a credit review method in conjunction with the financial joint credit server.

1‧‧‧credit review system

11‧‧‧Database unit

111‧‧‧ Credit card host

112‧‧‧Loan host

12‧‧‧Audit unit

50‧‧‧Financial Joint Credit Server

Claims (5)

A credit review system is adapted to electrically connect to a financial joint credit information server; the credit audit system comprises: a database unit for storing a plurality of credit information of the bank, wherein the credit data of the bank are respectively related to a plurality of different books The customer, each credit information of the bank includes a unique customer identification data; and an auditing unit electrically connected to the database unit; wherein the auditing unit receives the credit information of the bank from the database unit A credit information to be reviewed by the Bank, which defines the customer identification data contained in the credit data of the Bank to be audited as a customer identification data to be audited, and the audit unit generates and transmits a first query request containing the customer identification data to be reviewed. To the financial joint credit server, the audit unit receives a first query result that should be the first query request from the financial joint credit server, and determines that the first query result indicates the financial joint credit service servo Generate and transmit a package when at least one piece of credit information related to the customer identification data to be reviewed is stored The second query request for the customer identification data to be reviewed is sent to the financial joint credit information server, and the audit unit receives the at least one other credit information transmitted by the financial joint credit information server according to the second query request, and The at least one other credit information and the credit information to be audited are collectively used as an integrated credit information to be reviewed, and the audit unit determines whether the consolidated credit information to be reviewed complies with a control condition related to credit risk, when the review unit When it is determined that the consolidated credit information to be reviewed complies with the control condition, a confirmation control result is generated and transmitted to the database unit. The credit review system of claim 1, wherein: the database unit comprises a credit card host electrically connected to the audit unit, and a loan host electrically connected to the audit unit, the credit card host storing at least one credit card information of the bank. The loan host stores at least one of the Bank's loan information; and the credit information of the Bank includes at least one of the at least one bank credit card information and the at least one bank loan information. The credit review system of claim 1, wherein when the auditing unit determines that the first query result indicates that the financial joint credit information server does not store any credit information including the customer identification data to be reviewed, The audit unit uses the credit information of the bank to be audited as the consolidated credit data to be reviewed. The credit review system as claimed in claim 1, wherein: each credit information of the bank also contains at least one historical payment record of the bank, and each historical payment record of the bank includes a payable period and a corresponding response The actual payment time of the payment period; the definition of the historical payment records of the Bank, the actual payment time included in each of the payment deadlines is one line of the delayed payment record; Before the first inquiry request is generated, the audit unit first determines whether the credit information of the bank to be audited meets a potential risk condition, and the potential risk condition includes the delayed payment of the bank included in the credit data of the bank to be audited. The number of records is greater than or equal to one; when the audit unit determines that the credit data of the bank to be audited meets the potential risk condition, the first query request is generated. The credit review system as claimed in claim 1, wherein: each credit information of the bank also contains at least one historical payment record of the bank, and each historical payment record of the bank includes a payable period and a corresponding response The actual payment time of the payment period; the definition of the historical payment records of the Bank, the actual payment time included in each of the payment deadlines is a row of delayed payment records; A credit account contains at least one historical payment record; defines one of the historical payment records of the other, including one of the actual payment time being later than the one of the payment deadlines. The stagnation payment record; the control condition includes: the sum of the bank's deferred payment records included in the consolidated credit information to be reviewed for a predetermined period of time, and the sum of the number of deferred payment records of the other bank is greater than one Delay the number of payment thresholds.