TWM560643U - Loan application processing system - Google Patents
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- TWM560643U TWM560643U TW107201124U TW107201124U TWM560643U TW M560643 U TWM560643 U TW M560643U TW 107201124 U TW107201124 U TW 107201124U TW 107201124 U TW107201124 U TW 107201124U TW M560643 U TWM560643 U TW M560643U
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Abstract
一種貸款申請處理系統，允許符合設定條件之使用者可線上完成貸款申請，其中貸款申請處理系統係透過使用者插入之一晶片金融卡執行線上申貸者身分的驗證及申貸手續費之支付，使用者無須親至貸與行庫實行對保手續。A loan application processing system that allows a user who meets the set conditions to complete a loan application online, wherein the loan application processing system performs the verification of the online creditor identity and the payment of the loan processing fee by inserting a wafer financial card by the user. Users do not need to go to the loan and the bank to implement the security procedures.
Description
本新型係關於一種貸款申請處理系統，特別是一種允許申貸者可線上完成貸款申請之貸款申請處理系統。The present invention relates to a loan application processing system, and in particular to a loan application processing system that allows a loan applicant to complete a loan application online.
據統計，台灣每年約有20至30萬人次申請就學貸款。不同於一般貸款為長期持續性，且業務招攬分散於各營業單位，就學貸款申貸及對保手續是集中在每學期學校通知學生繳款後，到學校註冊日前必須完成的業務，其具有短期集中化的特性。According to statistics, about 200,000 to 300,000 people apply for school loans every year in Taiwan. Different from general loans, which are long-term sustainability, and business recruiting is dispersed in various business units, the loan application and the insurance procedures are concentrated in the business that must be completed before the school registration date after the school has notified the students of each semester, which has a short-term business. Centralized features.
又就學貸款在不同期間之借貸內容通常僅有金額上的差異，申請人及保證人個人資料通常不太會有異動，因此，除第一次申請貸款須親赴貸與人銀行進行對保手續外，在第二次申請貸款時，如能在符合一定條件下免除對保手續，提供線上申請服務，將有助緩解申請貸款人潮。In addition, the loan content of the student loan in different periods usually has only the difference in the amount. The personal data of the applicant and the guarantor usually do not change very much. Therefore, in addition to the first application for the loan, it is necessary to go to the loan bank to conduct the insurance procedures. In the second application for a loan, if you can waive the formalities of the insurance under certain conditions, providing online application services will help ease the application for loan.
本新型之主要目的係在提供一種可供使用者線上申請貸款，而無須親至貸與人處所辦理對保手續之貸款申請處理系統。The main purpose of the present invention is to provide a loan application processing system that allows users to apply for a loan online without having to go through the loan procedure with the person's premises.
為達成上述之目的，本新型之貸款申請處理系統可供使用者操作電子裝置以線上申請貸款，其中電子裝置連線貸款申請處理系統。本新型之貸款申請處理系統包括有登入資料接收裝置、申請資料接收裝置、判斷裝置、線上申請接收裝置、線上申請驗證裝置及線上申請處理裝置。登入資料接收裝置接收來自電子裝置之登入資料，並根據該登入資料取得一使用者身分資料。申請資料接收裝置接收來自電子裝置之借貸申請資料。判斷裝置依據借貸申請資料，以判斷使用者是否符合線上申貸條件。在使用者符合線上申貸條件時，線上申請接收裝置接收來自電子裝置之繳費確認資料，該繳費確認資料包括有卡片資料及交易密碼資料，卡片資料係由電子裝置自使用者插入之晶片卡中讀取獲得，而交易密碼資料係由使用者輸入至電子裝置中。線上申請驗證裝置根據卡片資料取得卡片持有人身分資料及驗證密碼資料，並比對該卡片持有人身分資料是否與使用者身分資料相符，且比對交易密碼資料是否與驗證密碼資料相同。當卡片持有人身分資料與使用者身分資料相符，且交易密碼資料與驗證密碼資料相同時，線上申請處理裝置根據繳費確認資料，啟動執行一付款作業，以完成線上申請貸款手續。To achieve the above objectives, the loan application processing system of the present invention allows a user to operate an electronic device to apply for a loan online, wherein the electronic device is connected to the loan application processing system. The loan application processing system of the present invention includes a login data receiving device, an application data receiving device, a judging device, an online application receiving device, an online application verification device, and an online application processing device. The login data receiving device receives the login data from the electronic device and obtains a user identity data based on the login data. The application data receiving device receives the loan application data from the electronic device. The judging device judges whether the user meets the online loan application condition according to the loan application data. When the user meets the online loan application condition, the online application receiving device receives the payment confirmation data from the electronic device, and the payment confirmation data includes the card data and the transaction password data, and the card data is input from the electronic chip into the wafer card inserted by the user. The reading is obtained, and the transaction password data is input by the user into the electronic device. The online application verification device obtains the card holder identity data and the verification password data according to the card data, and compares whether the card holder identity data matches the user identity data, and compares the transaction password data with the verification password data. When the card holder identity data matches the user identity data, and the transaction password data is the same as the verification password data, the online application processing device starts execution of a payment operation according to the payment confirmation data to complete the online application for the loan procedure.
根據本新型之一實施例，所述晶片卡係一晶片金融卡，所述卡片資料為一存戶帳號資料，所述付款作業為一轉帳作業。According to an embodiment of the present invention, the wafer card is a wafer financial card, the card data is a depositor account data, and the payment operation is a transfer operation.
根據本新型之一實施例，所述借貸申請資料包含一借用人資料，而依據借貸申請資料以判斷使用者是否符合線上申貸條件包含比對借用人資料中之比對項目資料是否符合使用者身分資料中之預設比對項目資料:當比對項目資料未符合預設比對項目資料時，判斷裝置判斷使用者不符合線上申貸條件。According to an embodiment of the present invention, the loan application data includes a borrower profile, and the borrowing application data is used to determine whether the user meets the online loan condition, and whether the matching project data in the borrower data matches the user data. Preset comparison project data in the identity data: When the comparison project data does not meet the preset comparison project data, the judging device judges that the user does not meet the online loan application condition.
根據本新型之一實施例，所述借貸申請資料更包含一學籍資料，而依據借貸申請資料以判斷使用者是否符合線上申貸條件包含比對學籍資料是否與學生申貸資料相符；當學籍資料未符合學生申貸資料時，判斷裝置判斷使用者不符合線上申貸條件。According to an embodiment of the present invention, the loan application data further includes a student information, and the borrowing application data is used to determine whether the user meets the online loan condition, whether the matching student information is consistent with the student loan information; When the student's application for loan information is not met, the judging device judges that the user does not meet the online loan application condition.
根據本新型之一實施例，所述依據借貸申請資料以判斷使用者是否符合線上申貸條件包含比對學籍資料中之續貸學校學程資料是否與使用者身分資料中之先前學校學程資料相符合；當續貸學校學程資料未符合先前學校學程資料相符合時，判斷裝置判斷使用者不符合線上申貸條件。According to an embodiment of the present invention, the determining, according to the loan application data, whether the user meets the online loan condition includes whether the renewal school school course information in the student status data and the previous school course data in the user identity data are included. Correspondence; when the renewal school school course materials do not meet the previous school course materials, the judgment device determines that the user does not meet the online loan application conditions.
根據本新型之一實施例，所述借貸申請資料更包含一借貸內容資料，而依據借貸申請資料以判斷使用者是否符合線上申貸條件包含判斷借貸內容資料中之一借貸項目資料是否包含排除項目資料；當借貸項目資料包含有排除項目資料時，判斷裝置判斷使用者不符合線上申貸條件。According to an embodiment of the present invention, the loan application data further includes a loan content data, and determining whether the user meets the online loan condition according to the loan application data includes determining whether one of the loan item materials in the loan content data includes an exclusion item. Information; when the loan project data contains exclusion project data, the judging device judges that the user does not meet the online loan application condition.
為能讓 貴審查委員能更瞭解本新型之技術內容，特舉較佳具體實施例說明如下。In order to enable the reviewing committee to better understand the technical content of the present invention, the preferred embodiments are described below.
以下請一併參考圖1至圖4。其中圖1係本新型之貸款申請處理系統之方塊示意圖；圖2係表示借貸申請資料輸入填寫之畫面示意圖；圖3係表示線上申請貸款時對保方式選擇之示意；圖4係表示線上申請貸款時手續費繳交操作之畫面示意圖。Please refer to Figure 1 to Figure 4 below. 1 is a block diagram of the loan application processing system of the present invention; FIG. 2 is a schematic diagram showing the input of the loan application data; FIG. 3 is a schematic diagram showing the selection of the insurance mode when applying for a loan online; At the time of the handling fee, the screen of the operation is submitted.
如圖1所示，在本新型之一實施例中，本新型之貸款申請處理系統1可供使用者90操作電子裝置80來線上申請貸款，其中電子裝置80可透由網路N以連線至貸款申請處理系統1。本新型之貸款申請處理系統1包括有登入資料接收裝置10、申請資料接收裝置20、判斷裝置30、線上申請接收裝置40、線上申請驗證裝置50、線上申請處理裝置60以及資料庫70。需注意的是，上述各個裝置除可配置為硬體裝置外，亦可藉電路迴路或其他適當型式配置；並且，各個裝置除可以單獨之型式配置外，亦可以結合之型式配置。此外，本實施方式僅例示本新型之較佳實施例，為避免贅述，並未詳加記載所有可能的變化組合。然而，本領域之通常知識者應可理解，上述各裝置或元件未必皆為必要。且為實施本新型，亦可能包含其他較細節之習知裝置或元件。各裝置或元件皆可能視需求加以省略或修改，且任兩裝置間未必不存在其他裝置或元件。在本新型之具體實施例中，電子裝置80為一具有讀卡機(可為內建或外接均可)之桌上型電腦，但本新型之電子裝置80不以桌上型電腦為限。As shown in FIG. 1 , in one embodiment of the present invention, the loan application processing system 1 of the present invention can be used by the user 90 to operate the electronic device 80 to apply for a loan online, wherein the electronic device 80 can be connected through the network N. To the loan application processing system 1. The loan application processing system 1 of the present invention includes a login data receiving device 10, an application data receiving device 20, a determination device 30, an online application receiving device 40, an online application verification device 50, an online application processing device 60, and a database 70. It should be noted that, in addition to being configurable as a hardware device, each of the above devices may be configured by a circuit loop or other suitable type; and, in addition to being individually configurable, each device may also be configured in combination. In addition, the present embodiment is merely illustrative of the preferred embodiments of the present invention, and all possible combinations of variations are not described in detail in order to avoid redundancy. However, it should be understood by those of ordinary skill in the art that the above various devices or components are not necessarily required. In order to implement the present invention, other well-known devices or components of more detail may also be included. Each device or component may be omitted or modified as needed, and no other device or component may be present between any two devices. In the specific embodiment of the present invention, the electronic device 80 is a desktop computer having a card reader (which may be built-in or externally connected), but the electronic device 80 of the present invention is not limited to a desktop computer.
在本新型之一實施例中，登入資料接收裝置10接收來自電子裝置80之登入資料，並可根據該登入資料取得一使用者身分資料，其中登入資料係由使用者90輸入至電子裝置80後，傳送至貸款申請處理系統1。進一步言之，使用者90欲利用本系統1辦理貸款申請前，需先註冊成為本系統1之會員。註冊時須提供個人資料，包含姓名、身分證字號、電話、戶籍地址、通訊地址、就讀學校、學程、科系所……等資料。此等個人資料在註冊完成時即會儲存於資料庫70中成為使用者身分資料。使用者90並在註冊時會自行設定取得一組帳號密碼，以作為連線登入本系統1之登入資料。當使用者90輸入登入資料至電子裝置80並傳送至貸款申請處理系統1時，登入資料接收裝置10便會接收該登入資料，同時根據登入資料和使用者身分資料所存在的對應關係，取得使用者身分資料。In an embodiment of the present invention, the login data receiving device 10 receives the login data from the electronic device 80, and can obtain a user identity data according to the login data, wherein the login data is input by the user 90 to the electronic device 80. , transmitted to the loan application processing system 1. Further, the user 90 needs to register as a member of the system 1 before using the system 1 to apply for a loan. Personal information must be provided at the time of registration, including name, ID card number, telephone number, household registration address, mailing address, school, course of study, department, etc. These personal data will be stored in the database 70 as user identity data upon registration. The user 90 also sets a set of account passwords when registering as a login data for logging into the system 1 as a connection. When the user 90 enters the login data to the electronic device 80 and transmits it to the loan application processing system 1, the login data receiving device 10 receives the login data and obtains the use according to the correspondence between the login data and the user identity data. Identity information.
在本新型之一實施例中，申請資料接收裝置20接收來自電子裝置80之借貸申請資料，其中該借貸申請資料包含有借用人資料、學籍資料及借貸內容資料，係由使用者90輸入至電子裝置80後，傳送至貸款申請處理系統1。在具體實施例中，如圖2所示，使用者90在完成登入手續後，如選擇辦理申請貸款業務時，貸款申請處理系統1即會要求使用者90線上填寫借貸申請資料，其中借貸申請資料包含有借用人資料、學籍資料及借貸內容資料。具體實施上，借用人資料可包含使用者90的生日、姓名、身分證字號、戶籍地址、通訊地址及電話；學籍資料可包括使用者90的就讀學校、學程、科系所、年級、班別及學號等資料；借貸內容資料可包含借貸項目資料及金額資料，惟本新型並不以此為限。In an embodiment of the present invention, the application data receiving device 20 receives the loan application information from the electronic device 80, wherein the loan application data includes borrower data, student information, and loan content data, which are input by the user 90 to the electronic device. After the device 80, it is transmitted to the loan application processing system 1. In a specific embodiment, as shown in FIG. 2, after the user 90 selects to apply for a loan business after completing the login procedure, the loan application processing system 1 will require the user to fill in the loan application information online, wherein the loan application data is borrowed. It contains borrower information, student status information and loan information. Specifically, the borrower's data may include the user's 90 birthday, name, identity card number, household registration address, mailing address, and telephone number; the student's information may include the user's 90 school, course, department, grade, class. No information such as the student number; the loan information may include the loan project information and the amount information, but the new model is not limited to this.
在本新型之一實施例中，判斷裝置30係依據借貸申請資料，以判斷使用者90是否符合一線上申貸條件。在本新型之實施例中，線上申貸條件之判斷包含比對借用人資料中之比對項目資料是否符合使用者身分資料中之預設比對項目資料；所稱比對項目資料在具體實施上為借用人資料中的借用人姓名、身分證字號及戶籍地址三項資料；所稱預設比對項目資料則為使用者身分資料中的使用者姓名、身分證字號及戶籍地址三項資料，但本新型之比對項目資料及預設比對項目資料不以此為限。當使用者90輸入的借用人姓名、身分證字號、戶籍地址三項資料與使用者身分資料中的使用者姓名、身分證字號、戶籍地址有其一不相符合時，判斷裝置30即會判斷使用者90不符合線上申貸條件；反之，若皆符合，則判斷使用者90符合線上申請條件。In an embodiment of the present invention, the determining means 30 determines whether the user 90 meets the online loan application condition based on the loan application data. In the embodiment of the present invention, the judgment of the online loan condition includes whether the comparison of the item data in the borrower's data conforms to the preset comparison item data in the user identity data; the so-called comparison item data is embodied in the specific implementation. The above is the borrower's name, identity card size and household registration address in the borrower's data; the pre-determined comparison project data is the user's name, identity card size and household registration address in the user's identity data. However, the comparison between the new project data and the preset comparison project data is not limited thereto. When the user's name, the identity card number, and the household registration address entered by the user 90 do not match the user name, the identity card number, and the household registration address in the user identity data, the judging device 30 judges The user 90 does not meet the online loan application condition; otherwise, if both are met, it is determined that the user 90 meets the online application condition.
在本新型之實施例中，線上申貸條件之判斷也包含比對使用者90輸入的學籍資料是否與一學生申貸資料相符。更進一步地來說，本新型之貸款申請處理系統1係應用在學生就學貸款之續借申請上，而(學生)使用者90的就學貸款資料(即所稱學生申貸資料，可包含學生姓名、就讀學校、學程、科系所、年級及學、雜費金額等資料，但不以此為限)會於每學期開始前，由該(學生)使用者90所就讀的學校上傳至本系統1，並儲存在資料庫70中。當使用者90輸入的學籍資料未符合學校上傳的任一筆學生申貸資料時，判斷裝置30即判斷使用者90不符合線上申貸條件；反之，若比對項目皆符合時，才判斷符合使用者90線上申貸條件。In the embodiment of the present invention, the judgment of the online loan condition also includes whether the student information input by the user 90 matches the student's loan information. Further, the loan application processing system 1 of the present invention is applied to the renewal application of the student's school loan, and the student loan information of the (student) user 90 (ie, the so-called student loan information may include the student's name). The school, the course of study, the department, the grade and the amount of tuition and fees, but not limited to this, will be uploaded to the system by 90 (student) users before the start of each semester. 1, and stored in the database 70. When the student registration data input by the user 90 does not meet any student loan application data uploaded by the school, the judging device 30 judges that the user 90 does not meet the online loan application condition; otherwise, if the comparison items are met, the judgment is met. 90 online loan conditions.
在本新型之實施例中，線上申貸條件之判斷也更包含比對使用者90輸入的學籍資料中之續貸學校學程資料是否與使用者身分資料中之先前學校學程資料相符合。更進一步而言，誠如前揭說明，本新型之貸款申請處理系統1係應用在學生就學貸款之「續借」申請上，因此，欲利用本系統1線上申請貸款者，必須是先前已在系統1所屬行庫親自辦理貸款，並實行過對保手續之(學生)使用者。而當使用者90再次申請貸款時，如輸入的學校、學程資料(即所稱續貸學校學程資料)與先前貸款時所提供的學校、學程資料(即所稱先前學校學程資料)未相符時，判斷裝置30將會判斷使用者90不符合線上申貸條件；反之，則判斷使用者90符合線上申貸條件。換句話說，在本實施中，本新型之貸款申請處理系統1僅在使用者90於同一學程內的同一學校中就讀而申請貸款時，才認為符合線上申貸條件。舉例來說，假設使用者90在高中時已申辦過貸款，但畢業後就讀大學時仍應親自重新臨櫃申辦，不符合線上申貸條件，蓋因續貸學校學程資料與先前學校學程資料已有所不同了(就讀學程已由高中轉為大學，就讀學校亦發生異動)。In the embodiment of the present invention, the judgment of the online loan condition further includes whether the renewal school course data in the student information input by the user 90 matches the previous school course data in the user identity data. Furthermore, as mentioned above, the new loan application processing system 1 is applied to the “renewal” application for student enrollment loans. Therefore, if you want to use the system to apply for a loan online, you must have previously The bank that belongs to System 1 handles the loan in person and has implemented the (student) user of the security procedure. When the user 90 applies for the loan again, such as the input of the school, the course materials (the so-called renewal school course materials) and the school and course materials provided during the previous loan (that is, the alleged prior school course materials) If there is no match, the judging device 30 will judge that the user 90 does not meet the online loan application condition; otherwise, it is determined that the user 90 meets the online loan application condition. In other words, in the present embodiment, the loan application processing system 1 of the present invention considers that the online loan application condition is satisfied only when the user 90 applies for a loan in the same school in the same course. For example, suppose that user 90 has already applied for a loan in high school, but he should still re-apply for the application in the university after graduation, which does not meet the online loan conditions, and the information on the renewal of the school and the previous school. The information has changed (the course of study has changed from high school to university, and the school has changed).
在本新型之實施例中，線上申貸條件之判斷也還包含了判斷借貸內容資料中之借貸項目資料是否包含排除項目資料。更進一步地來說，就學貸款可允許借貸之費用項目包含有學費、雜費、住宿費及生活費……等項目，而在本實施例當中，當使用者90輸入申請的借貸項目中，包含有生活費用項目的話，則判斷裝置30會判斷使用者90不符合線上申貸條件；換言之，必須是使用者90輸入的借貸內容資料中之借貸項目資料不包括生活費用此一項目(即所稱排除項目資料)時，判斷裝置30方判定使用者90符合線上申貸條件。In the embodiment of the present invention, the judgment of the online loan application condition also includes determining whether the loan item data in the loan content data includes the exclusion item data. Further, the school loan can allow the borrowing fee item to include items such as tuition, miscellaneous fees, accommodation expenses, and living expenses, and in the present embodiment, when the user 90 enters the applied loan item, the life is included. In the case of the expense item, the judging device 30 judges that the user 90 does not meet the online loan application condition; in other words, the loan item data in the loan content data input by the user 90 does not include the living expenses item (ie, the so-called exclusion item) At the time of the data, the judging means 30 judges that the user 90 meets the online loan application condition.
在具體實施上，當判斷裝置30判斷使用者90符合線上申貸條件時，會提供例如圖3所示之操作介面，以供使用者90選擇是否進行線上申貸，亦即符合線上申貸條件之使用者90可選擇省略親臨系統1所屬行庫之櫃檯辦理對保手續之步驟，直接在線上完成貸款申請即可。當然，即便符合線上申貸條件，使用者90仍可選擇親自臨櫃辦理申請貸款。In a specific implementation, when the judging device 30 judges that the user 90 meets the online loan application condition, an operation interface such as that shown in FIG. 3 is provided, so that the user 90 selects whether to perform an online loan application, that is, meets the online loan application condition. The user 90 can choose to omit the steps of the counter at the counter to which the system 1 belongs, and complete the loan application directly online. Of course, even if the online loan terms are met, the user 90 can still choose to apply for a loan in person.
在本新型之一實施例中，線上申請接收裝置40用以在使用者90符合線上申貸條件時，接收來自電子裝置80之一繳費確認資料，其中繳費確認資料包括有卡片資料以及交易密碼資料。卡片資料係由電子裝置80自使用者90插入至讀卡機的晶片卡中讀取獲得；在本新型之實施例中，該晶片卡係一晶片金融卡，而卡片資料為該晶片金融卡發行機構之存戶帳號資料。交易密碼資料係由使用者90輸入至電子裝置80中。In an embodiment of the present invention, the online application receiving device 40 is configured to receive a payment confirmation data from the electronic device 80 when the user 90 meets the online loan application condition, wherein the payment confirmation data includes card data and transaction password data. . The card data is obtained by reading the electronic device 80 from the chip card inserted by the user 90 into the card reader; in the embodiment of the present invention, the chip card is a wafer financial card, and the card data is issued by the chip financial card. Institutional depositor account information. The transaction password data is entered into the electronic device 80 by the user 90.
更進一步來說，在具體實施例中，一旦判斷裝置30判斷使用者90符合線上申貸條件，且使用者90亦選擇線上申請貸款服務時，系統1即會啟動一繳費及驗證程序，要求使用者90必須插入系統1所屬行庫發行之晶片金融卡，以執行一手續費的付款作業。如圖4所示，當使用者90將晶片金融卡插入至電子裝置80之讀卡機中，並輸入轉帳金額及晶片金融卡設定之交易密碼後啟動交易，線上申請接收裝置40即會接收到包含交易金額、存戶帳號資料(即轉出帳號)、交易密碼資料及轉入帳號等資料在內的繳費確認資料。Further, in a specific embodiment, once the judging device 30 judges that the user 90 meets the online loan application condition, and the user 90 also selects to apply for the loan service online, the system 1 initiates a payment and verification procedure, requiring use. The user 90 must insert the wafer financial card issued by the bank to which the system 1 belongs to perform a payment operation for a fee. As shown in FIG. 4, when the user 90 inserts the wafer financial card into the card reader of the electronic device 80 and inputs the transaction amount and the transaction password set by the chip financial card, the online application receiving device 40 receives the transaction. The payment confirmation data including the transaction amount, depositor account information (ie, transfer account number), transaction password data, and transfer account number.
在本新型之一實施例中，線上申請驗證裝置50用以根據卡片資料取得卡片持有人身分資料及驗證密碼資料，並比對該卡片持有人身分資料是否與使用者身分資料相符，且比對交易密碼資料是否與該驗證密碼資料相同。更進一步而言，為確保申請貸款者身分之正確性，本新型之貸款申請處理系統1僅允許申貸者以自己持有系統1所屬行庫發行的晶片金融卡來支付線上申貸的手續費用，因此，當使用者90插入晶片金融卡至電子裝置80之讀卡機且輸入交易密碼啟動交易後，線上申請接收裝置40即會接收到儲存在晶片金融卡上的存戶帳號資料。接著，線上申請驗證裝置50即會根據該存戶帳號資料(即卡片資料)取得卡片持有人身分資料及驗證密碼資料，其中驗證密碼資料為存戶開戶時所設定的晶片金融卡交易密碼，其和存戶帳號資料存在一對應關係，而被儲存在資料庫70中。取得卡片持有人身分資料及驗證密碼資料後，線上申請驗證裝置50會比對卡片持有人身分資料是否與使用者身分資料相符，以確保使用者90身分之正確性，同時並比對使用者90輸入的交易密碼資料是否與驗證密碼資料相同，以驗證使用者90輸入的交易密碼是否正確。In an embodiment of the present invention, the online application verification device 50 is configured to obtain the card holder identity data and the verification password data according to the card data, and whether the card holder identity data matches the user identity data, and The comparison transaction password data is the same as the verification password data. Furthermore, in order to ensure the correctness of the applicant loan identity, the loan application processing system 1 of the present invention only allows the applicant to pay the online loan processing fee by the chip financial card issued by the bank holding the system 1 to which the system belongs. Therefore, when the user 90 inserts the wafer financial card into the card reader of the electronic device 80 and enters the transaction password to initiate the transaction, the online application receiving device 40 receives the depositor account data stored on the wafer financial card. Then, the online application verification device 50 obtains the card holder identity data and the verification password data according to the deposit account account data (ie, card data), wherein the verification password data is a wafer financial card transaction password set by the depositor when the account is opened, and The deposit account data has a corresponding relationship and is stored in the database 70. After obtaining the card holder identity data and verifying the password information, the online application verification device 50 compares the card holder identity data with the user identity data to ensure the correctness of the user 90 identity, and simultaneously compare and use The transaction password data entered by the user 90 is the same as the verification password data to verify whether the transaction password entered by the user 90 is correct.
在本新型之一實施例中，線上申請處理裝置60用以當卡片持有人身分資料與使用者身分資料相符，且交易密碼資料與驗證密碼資料相同時，根據繳費確認資料，啟動執行一付款作業，以完成線上申請貸款手續。更進一步地來說，系統1在完成驗證後，亦即在判斷卡片持有人身分資料與該使用者身分資料相符，且交易密碼資料與驗證密碼資料相同時，線上申請處理裝置60即會根據繳費確認資料來執行一轉帳作業，以完成線上申請貸款手續。繳費(轉帳)成功後，線上申請貸款手續即完成，使用者90可無須再親自臨櫃辦理對保手續。In an embodiment of the present invention, the online application processing device 60 is configured to initiate a payment according to the payment confirmation data when the card holder identity data matches the user identity data and the transaction password data is the same as the verification password data. Homework to complete the online application for loan procedures. Further, after the system 1 completes the verification, that is, when it is determined that the card holder identity data matches the user identity data, and the transaction password data is the same as the verification password data, the online application processing device 60 is based on Payment confirmation information to perform a transfer operation to complete the online application for loan procedures. After the payment (transfer) is successful, the online application for loan will be completed, and the user 90 may no longer need to go through the cabinet to handle the formalities.
在本新型之一實施例中，資料庫70用以儲存使用者身分資料、學生申貸資料、系統會員之帳號密碼、存戶帳號資料、卡片持有人身分資料及驗證密碼資料等資料。In an embodiment of the present invention, the database 70 is configured to store user identity data, student loan information, system member account password, depositor account data, card holder identity data, and verification password data.
綜上所陳，本新型無論就目的、手段及功效，在在均顯示其迥異於習知技術之特徵。惟應注意的是，上述諸多實施例僅係為了便於說明而舉例而已，本新型所主張之權利範圍自應以申請專利範圍所述為準，而非僅限於上述實施例。In summary, the present invention shows its characteristics different from conventional techniques in terms of purpose, means and efficacy. It should be noted that the various embodiments described above are merely illustrative for ease of explanation, and the scope of the claims is intended to be limited by the scope of the claims.
1‧‧‧貸款申請處理系統
10‧‧‧登入資料接收裝置
20‧‧‧申請資料接收裝置
30‧‧‧判斷裝置
40‧‧‧線上申請接收裝置
50‧‧‧線上申請驗證裝置
60‧‧‧線上申請處理裝置
70‧‧‧資料庫
80‧‧‧電子裝置
90‧‧‧使用者
N‧‧‧網路1‧‧‧ loan application processing system
10‧‧‧Login data receiving device
20‧‧‧Application data receiving device
30‧‧‧Judgement device
40‧‧‧Online application receiving device
50‧‧‧Online application verification device
60‧‧‧Online application processing device
70‧‧‧Database
80‧‧‧Electronic devices
90‧‧‧Users
N‧‧‧Network
圖1係本新型之貸款申請處理系統之方塊示意圖。 圖2係表示借貸申請資料輸入填寫之畫面示意圖。 圖3係表示線上申請貸款時對保方式選擇之示意圖。 圖4係表示線上申請貸款時手續費繳交操作之畫面示意圖。1 is a block diagram of the loan application processing system of the present invention. Figure 2 is a schematic diagram showing the input of the loan application data. Figure 3 is a schematic diagram showing the selection of the insurance mode when applying for a loan online. Figure 4 is a schematic diagram showing the operation of the fee payment operation when applying for a loan online.
Claims (6)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW107201124U TWM560643U (en) | 2018-01-23 | 2018-01-23 | Loan application processing system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW107201124U TWM560643U (en) | 2018-01-23 | 2018-01-23 | Loan application processing system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| TWM560643U true TWM560643U (en) | 2018-05-21 |
Family
ID=62950530
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| Application Number | Title | Priority Date | Filing Date |
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| TW107201124U TWM560643U (en) | 2018-01-23 | 2018-01-23 | Loan application processing system |
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| Country | Link |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI741188B (en) * | 2018-06-04 | 2021-10-01 | 王道商業銀行股份有限公司 | Guarantee method and system |
| TWI769365B (en) * | 2019-02-13 | 2022-07-01 | 華南商業銀行股份有限公司 | Financial service application screening method and system |
| TWI798149B (en) * | 2019-02-13 | 2023-04-01 | 華南商業銀行股份有限公司 | Financial service application screening method performing financial service based on applicant credit and system thereof |
| TWI802490B (en) * | 2019-02-13 | 2023-05-11 | 華南商業銀行股份有限公司 | Multi-applicant financial service application screening method and system |
-
2018
- 2018-01-23 TW TW107201124U patent/TWM560643U/en unknown
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI741188B (en) * | 2018-06-04 | 2021-10-01 | 王道商業銀行股份有限公司 | Guarantee method and system |
| TWI769365B (en) * | 2019-02-13 | 2022-07-01 | 華南商業銀行股份有限公司 | Financial service application screening method and system |
| TWI798149B (en) * | 2019-02-13 | 2023-04-01 | 華南商業銀行股份有限公司 | Financial service application screening method performing financial service based on applicant credit and system thereof |
| TWI802490B (en) * | 2019-02-13 | 2023-05-11 | 華南商業銀行股份有限公司 | Multi-applicant financial service application screening method and system |
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