TWM563027U - Post-loan management system for enterprise borrower - Google Patents

Abstract

A post-loan management system for enterprise borrower is provided. The system includes a first server and a second server coupled to the first server. The first server receives a credit contract, wherein the credit contract includes a plurality of identity verification codes. The first server transmits a credit information request including the identity verification codes to the second server in a predetermined time interval, and the second server transits a plurality of new credit information to the first server. The first server performs a comparison operation between the new credit information and a plurality of old credit information to generate a comparison result. If the comparison result is abnormal, the first server generates an abnormal message.

Description

Post-loan management system for corporate borrowers

This new creation is about a post-loan management system for corporate borrowers, and in particular, a post-loan management system for enterprise borrowers that can automatically check the abnormality of borrowers and automatically freeze the borrower's assets.

Generally speaking, when a company applies for a loan from a bank, the bank can know that there will be overdue loans unless the party can't afford the payment. The current bank does not have a post-loan management mechanism that can immediately determine the abnormal situation of the enterprise, and generate quite a lot of bad debts. Therefore, how to establish a perfect post-loan management mechanism for enterprise borrowers is a goal that technicians in the field should strive for.

In view of this, the new creation provides a post-loan management system for enterprise borrowers, providing banks with a comprehensive post-loan management mechanism, which can instantly determine the abnormal situation of the enterprise and make better post-loan control.

The novel creation proposes a post-loan management system for an enterprise borrower, comprising a first server and a second server coupled to the first server. The first server receives the credit contract, wherein the credit contract includes a plurality of identity identifiers. The first server transmits a credit information request including the identity identification code to the second server at a predetermined time interval, and the second server transmits the plurality of new credit information to the first server. The first server performs a comparison operation of the new credit information and the corresponding plurality of old credit information to generate a comparison result. If the comparison result is abnormal, the first server generates an abnormal message.

In an embodiment of the novel creation, when the first server generates an abnormal message, the first server freezes the deposit of the borrower corresponding to the identity identifier and the credit card amount.

In an embodiment of the novel creation, the predetermined time interval is in units of one day.

In an embodiment of the present invention, the old credit information is a plurality of credit information that the second server last queries the corresponding identity identification code before the pre-time interval.

In an embodiment of the novel creation, after the first server generates an abnormal message to the first server, the first server reduces the predetermined time interval to send a credit information request including the identity identification code to the second server.

Based on the above, the post-loan management system of the enterprise borrower created by the present invention can send the credits of the borrower, the responsible person and the reinsurer at regular intervals after receiving the credit contract by the first server (for example, the bank server). The information request is sent to the second server (for example, the joint credit information center and the ticket center server) and the second server returns the new credit information of the borrower, the person in charge and the company. The first server new credit information and old credit information. When the comparison result between the new credit information and the old credit information is abnormal, the first server generates an abnormal message. When the first server generates an abnormal message, the borrower's deposit and credit card quota of the borrower, the person in charge and the claimant are automatically frozen. Therefore, by periodically retrieving the credit information of the borrower, the responsible person and the company, the post-loan management mechanism of the more comprehensive enterprise borrower can be provided.

The above described features and advantages of the present invention will become more apparent and understood from the following description.

1 is a block diagram of a post-loan management system for an enterprise borrower in accordance with an embodiment of the present invention.

Referring to FIG. 1 , the post-loan management system 100 of the enterprise borrower of the present invention includes a first server 110 and a second server 120. The second server 120 is coupled to the first server 110. The first server 110 is, for example, a bank server. The second server 120 is, for example, a joint credit information center and a ticket center server. The first server 110 can store the credit contract of the borrower and the basic information of the borrower, the person in charge and the company. The second server 120 can store credit information of the borrower, the person in charge, and the company. The first server 110 and the second server 120 may each include a communication unit (not shown), a storage unit (not shown), and a processing unit (not shown).

The communication unit is implemented by a communication chip, which can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), and Code Multiple Access (Code Division). Multiple Access (CDMA) system, Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide Interoperability for Microwave Access (WiMAX) system, A component of a Wireless Fidelity (Wi-Fi) system or Bluetooth signal transmission.

The storage unit can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, hard disk ( Hard Disk Drive (HDD), solid state drive (SSD) or similar components or a combination of the above.

The processing unit can be a central processing unit (CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (DSP), and can be programmed. The controller, the Application Specific Integrated Circuit (ASIC) or the like or a combination of the above elements, the disclosure is not limited thereto.

2 is a flow chart of a method for applying a post-loan management system for an enterprise borrower in accordance with an embodiment of the present invention.

In step S201, the first server 110 receives a credit contract, wherein the credit contract includes a plurality of identity identifiers. Specifically, when the enterprise borrower signs a credit contract with the bank, the credit contract is stored in the first server 110. The credit contract includes the identity identifier (for example, the identity card number) of the borrower, the responsible person and the claimant, the borrower, the responsible person and other basic information of the insured and the contractual content.

In step S202, the first server 110 transmits a credit information request including the identity identification code to the second server 120 at a predetermined time interval, and the second server 120 transmits a plurality of new credit information to the first server 110. Specifically, the first server 110 sends a credit information request of the borrower, the person in charge, and the reinsurer to the second server 120 every predetermined time interval, and the second server 120 returns the borrower and is responsible for The new credit information of the person and the guarantor to the first server 110. The scheduled time interval is one basic unit per day. In an embodiment, the predetermined time interval may be six months. That is to say, the first server 110 automatically sends a credit information request of the borrower, the responsible person and the connected person to the second server 120 every half year to obtain the credit information status of the borrower.

In step S203, the first server 110 performs a comparison operation of the new credit information and the corresponding plurality of old credit information to generate a comparison result. For example, if the borrower delays payment or jumps in other banks, or the credit card of the responsible person, the comparison between the new credit information and the old credit information will be abnormal. In addition, if the credit balance of each bank is significantly increased compared with the credit balance in the pre-contracted credit report, the first server 110 generates a warning report. For example, the bank's account administrator will take the initiative to know whether the borrower's revenue is correspondingly increased or whether the borrower's reason is justified. If the borrower's revenue is correspondingly increased or the borrower's reason is justified, the account administrator can check the credit status every quarter after the computer's annotation. If the borrower's revenue is not increased or the borrower's reason is improper, the borrower is listed as a computer must be checked every month until the relevant data is in line with the rules.

In step S204, if the comparison result is abnormal, the first server 110 generates an abnormality message.

In step S205, when the first server 110 generates an abnormality message, the first server 110 freezes the deposit of the borrower and the credit card amount corresponding to the identity identification code. Specifically, when the first server 110 receives the abnormality message, the first server 110 may actively freeze the account quota, the deposit of the borrower, the deposit of the person in charge, the deposit of the company and the credit card of the person in charge, etc. After the account administrator takes the initiative to understand the reasons, according to the relevant regulations of the bank credit, the corresponding disposal should be done.

In an embodiment, the first server 110 can set the importance of the insured person. Specifically, the company is very important to the company (for example, the company's major shareholder or new company fund provider, etc.) and ordinary. When a very important company has a credit card, the loan contract must state that the company's quota is forbidden to re-use, and even specify the acceleration clause, so that the borrower can repay the money already used in installments. If the insurer is only of ordinary importance, the company can continue to use the quota, but it is necessary to limit the replacement of the funded insurer within a certain period of time.

In summary, the post-loan management system of the enterprise borrower created by the present invention can send the borrower, the responsible person and the company in a fixed period of time after receiving the credit contract on the first server (for example, the bank server). The credit information is requested to the second server (for example, the joint credit information center and the ticket center server) and the second server returns the new credit information of the borrower, the person in charge and the company. The first server new credit information and old credit information. When the comparison result between the new credit information and the old credit information is abnormal, the first server generates an abnormal message. When the first server generates an abnormal message, the borrower's deposit and credit card quota of the borrower, the person in charge and the claimant are automatically frozen. Therefore, by periodically retrieving the credit information of the borrower, the responsible person and the company, the post-loan management mechanism of the more comprehensive enterprise borrower can be provided.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the novel creation, and any person skilled in the art can make some changes without departing from the spirit and scope of the novel creation. Retouching, the scope of protection of this new creation is subject to the definition of the scope of the patent application attached.

100‧‧‧ Post-loan management system for corporate borrowers
110‧‧‧First server
120‧‧‧Second server
S201~S205‧‧‧Steps for applying the post-loan management system of corporate borrowers

1 is a block diagram of a post-loan management system for an enterprise borrower in accordance with an embodiment of the present invention. 2 is a flow chart of a method for applying a post-loan management system for an enterprise borrower in accordance with an embodiment of the present invention.

Claims (5)

A post-loan management system for an enterprise borrower, comprising: a first server; and a second server coupled to the first server, wherein the first server receives a credit contract, wherein the credit contract includes a plurality of identity identifiers; the first server sends a credit information request including the identity identifiers to the second server at a predetermined time interval, and the second server transmits a plurality of new credit information to the first server a server; the first server performs an alignment operation of the new credit information and the corresponding plurality of old credit information to generate a comparison result; and if the comparison result is abnormal, the first server generates An exception message. The post-loan management system of the enterprise borrower described in claim 1, wherein when the first server generates the abnormal message, the first server freezes a borrower deposit corresponding to the identity identifier and A credit card amount. For example, the post-loan management system of the enterprise borrower described in claim 1 of the patent scope, wherein the predetermined time interval is in one day. The post-loan management system of the enterprise borrower as described in claim 1, wherein the old credit information is that the second server last queries the plurality of identity identifiers before the predetermined time interval. Credit information. The post-loan management system of the enterprise borrower described in claim 1, after the first server generates the abnormal message, the first server reduces the predetermined time interval to send the identity identifier including the identity identifier. The credit information is requested to the second server.