TWM565846U - Post-loan management system for housing loans - Google Patents

Abstract

A post-loan management system for housing loans 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 an identity verification code. The first server transmits a credit information request including the identity verification code to the second server in a predetermined time interval, and the second server transmits a credit information to the first server. The first server calculates a new risk value corresponding to the credit information request and the identity verification code, and determines whether the new risk value is greater than an old risk value, wherein the first server calculates the new rick value according to an actual price registration of a house. If the new rick value is greater than the old risk value, the first server generates an abnormal message.

Description

Post-loan management system for mortgage customers

This new creation is about a post-loan management system for mortgage customers, and especially for a post-loan management system that can automatically check the risk value of the borrower periodically and automatically freeze the borrower's assets when an abnormal situation occurs. .

Generally speaking, when an individual applies for a mortgage 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 risk status of the borrower, resulting in considerable bad debts. Therefore, how to establish a perfect loan management mechanism for mortgage customers 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 the mortgage loaner, which provides the bank with a complete post-loan management mechanism, which can instantly determine the risk value of the borrower and make better post-loan control.

The novel creation proposes a post-loan management system for a mortgage user, 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 an identity identifier. 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 credit information to the first server. The first server calculates a new risk value corresponding to the credit information and the identity identification code, and determines whether the new risk value is greater than the old risk value, wherein the first server calculates the new risk value according to the real price of the house. If the new risk value is greater than the old risk value, the first server generates an exception message.

In an embodiment of the present invention, the first server searches for a plurality of reference houses within a predetermined distance from the location of the house and calculates a distance score of the reference house, a trading time score, and a total of the age difference scores. The score, and the actual price of the reference house with the highest total score in the reference house is set as the real price of the house.

In an embodiment of the present novel creation, the distance between the reference house and the house is inversely proportional to the distance score, and the time interval between the purchase and sale of the reference house from the current time is inversely proportional to the time of the purchase and sale, and the house age difference between the house and the house is referenced. The age gap score is inversely proportional.

In an embodiment of the present novel creation, when the first server receives the abnormality 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 novel creation, the old risk value is the risk value of the corresponding identifier for the last time the first server calculates before the predetermined time interval.

In an embodiment of the present invention, the first server calculates the risk value according to the balance of the mortgage, the monthly salary, the average balance of the deposit, the balance of the wealth and the present value of the stock, and corresponding weighted values.

In an embodiment of the novel creation, the new risk value is the mortgage balance multiplied by the mortgage balance weight, deducting the monthly salary multiplied by the monthly salary weight, deducting the average balance of the deposit multiplied by the average balance of the deposit, deducting the balance of the wealth management multiplied by The balance of wealth management, and deducting the present value of the stock multiplied by the present value of the stock.

In an embodiment of the present novel creation, the above-mentioned mortgage balance weight and the average deposit balance weight are 100%.

In an embodiment of the novel creation, the first server calculates the old risk value according to the balance of the mortgage, the monthly salary, the average balance of the deposit, the balance of the wealth management, and the present value of the stock.

Based on the above, the loan management system of the newly created mortgage home can send the credit information request of the borrower to the second server at a fixed time after receiving the credit contract by the first server (for example, the bank server) ( For example, the joint credit information center and the ticket center server) and the second server returns the credit information to the first server. The first server will check the credit status of the borrower according to the identity identifier of the borrower and calculate a risk value according to the credit status of the borrower. When the calculated risk value is greater than the last calculated risk value, the first server generates an abnormal message. When the first server generates an exception message, the borrower's deposit and credit card quota are automatically frozen. Therefore, by periodically calculating the credit risk value of the borrower automatically, a post-loan management mechanism for a more comprehensive mortgage loaner can be provided. In addition, the first server can automatically generate accurate real-time login data based on the location of the loan house, using distance, trading time and age difference, and apply the real-time login data to the risk value control to achieve More accurate mortgage management after the mortgage.

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 a mortgage home according to an embodiment of the present invention.

Referring to FIG. 1 , the post-loan management system 100 of the newly created mortgage home 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 second server 120 can store the credit information of the borrower. 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 mortgage home to a post-loan management system 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 an identity identification code. Specifically, when the mortgage 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 of the borrower (for example, the identity card number), other basic information of the borrower and the contract 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 the credit information to the first server 110. Specifically, the first server 110 sends a credit information request of the borrower to the second server 120 every predetermined time interval. 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 the credit information request of the borrower to the second server 120 every half year to obtain the credit information of the borrower.

In step S203, the first server 110 calculates a new risk value corresponding to the credit information and the identity identification code, and determines whether the risk value is greater than the old risk value, wherein the first server 110 calculates the new risk value according to the real price of the house. . Specifically, the first server 110 calculates the risk value after assigning the weight to the mortgage balance, the borrower's salary, the deposit, the wealth management, the various investments, and the actual price. For example, Mr. Chen’s house is 30 pings, the mortgage balance is 12 million, the monthly salary is 100,000, the average deposit balance is 500,000, the fund balance is 800,000, the stock is worth 1 million, and the real price near the house is 300,000. In addition, Mr. Chen’s mortgage loan rights are 100%, the borrower’s salary rights are 20%, the deposit weight is 100%, the wealth management balance is 80%, the non-financing stock net weight is 70%, and the real-price registration weight near the house is 60%. Then the first server 110 will calculate the risk value of Mr. Chen 1200*100%-10*20%-50*100%-80*80%-100*70%-30*30*60%=474 (10,000) . The first server 110 also determines whether the 4.74 million risk value at this time is greater than the risk value of Mr. Chen at a predetermined time interval (for example, six months ago).

In one embodiment, the actual price registration can be calculated based on distance, time of sale, and age difference. For example, the total distance is 30 points, the total trading time is 40 points, and the age difference is 30 points. The first server 110 first finds the reference house within a predetermined distance from the mortgage loaner's house and calculates the actual price of the reference house with the highest total score in the reference house as the real-time registration of the house as the mortgage borrower. . The distance can be 100 meters, and the farther the distance is, the lower the score. For example, the distance score within 100 meters is 30 points, the distance score from 100 meters to 200 meters is 29 points, and so on. Therefore, the distance score is 0 points when it exceeds 3 km. If the reference house is registered within 6 months, the trading time score is 40 points. If the reference house is registered in 6 to 12 months, the trading time score is 30 points, and so on. Therefore, the reference time of the reference house registered for more than 2 years is 0 points. If the age difference between the housing and the mortgage borrower's housing is within 1 year, the age difference is 30 points. If the housing age difference between the housing and the mortgage borrower is 2 years, the age difference is 25. Points, and so on. Therefore, when the housing age difference between the reference house and the mortgage borrower is more than 6 years, the age difference score is 0. According to the above method, the first server 110 can automatically calculate the sum of the distance score, the trading time score and the age difference score of all the reference houses, and log in the real price of the reference house with the highest total score as the mortgage borrower. The actual price of the house is registered.

In step S204, if the new risk value is greater than the old risk value, the first server 110 generates an abnormality message. Specifically, after each time interval, the risk value should decrease sequentially. If the new risk value is greater than the old risk value, the borrower has a credit problem, so the first server 110 generates an abnormal message, so that the bank responsible person can pay attention in advance, and manage the loan of the mortgage bank.

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 generates an abnormal message, the bank computer can actively freeze the deposit of the borrower and the credit card balance at the first time, and wait for the bank to be responsible for the mortgage business personnel to understand the cause, and then follow the bank credit related specifications. Do a good job of handling the corresponding.

In summary, the post-loan management system of the newly created mortgage home can send the credit information request of the borrower to the second servo at a fixed time after the first server (for example, the bank server) receives the credit contract. And (for example, the joint credit information center and the ticket center server) and the second server returns the credit information to the first server. The first server will check the credit status of the borrower according to the identity identifier of the borrower and calculate a risk value according to the credit status of the borrower. When the calculated risk value is greater than the last calculated risk value, the first server generates an abnormal message. When the first server generates an exception message, the borrower's deposit and credit card quota are automatically frozen. Therefore, by periodically calculating the credit risk value of the borrower automatically, a more complete post-loan management mechanism can be provided. In addition, the first server can automatically estimate the accurate real-time login data according to the location of the loan house, using the distance, the trading time and the age difference, and apply the real-time login data to the risk value control to achieve More accurate mortgage management after the mortgage.

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‧‧‧Home loan management system

110‧‧‧First server

120‧‧‧Second server

S201~S205‧‧‧Steps for applying the post-loan management system of the mortgage home

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

Claims (10)

A post-loan management system for a mortgage home, 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 An identity identifier; the first server sends a credit information request including the identity identification code to the second server at a predetermined time interval, and the second server transmits a credit information to the first server; The first server calculates a new risk value corresponding to the credit information and the identity identifier, and determines whether the new risk value is greater than an old risk value, wherein the first server calculates the new one according to a real price registration of a house. The risk value; and if the new risk value is greater than the old risk value, the first server generates an abnormal message. The post-loan management system of the mortgage home according to claim 1, wherein the first server searches for a plurality of reference houses within a predetermined distance from a position of the house and calculates the reference houses. a total score of a distance score, a trading time score, and a one-town gap score, and setting a real-price registration of the reference house having the highest total score in the reference houses as the real price of the house log in. For example, the post-loan management system of the mortgage loan mentioned in claim 2, wherein the distance between the reference house and the house is inversely proportional to the distance score, the reference room The time interval between the registration and the current time of the house is inversely proportional to the time of the sale and purchase. The difference between the reference house and the house is inversely proportional to the age difference. The post-loan management system of the mortgage home according to claim 1, wherein when the first server receives the abnormal message, the first server freezes a deposit and a deposit corresponding to the identity identifier Credit card limit. For example, the post-loan management system of the mortgage loan mentioned in claim 1 of the patent application, wherein the predetermined time interval is in one day. The post-loan management system of the mortgage home according to claim 1, wherein the old risk value is a risk value corresponding to the identity identifier last time before the predetermined time interval. For example, the post-loan management system of the mortgage loan mentioned in claim 1 wherein the first server is based on a mortgage balance, a monthly salary, an average balance of deposits, a balance of a wealth management, a present value of a stock, and the current time. The new risk value is calculated by the price registration and the corresponding multiple weighted values. For example, the post-loan management system of the mortgage loan mentioned in claim 7 of the patent scope, wherein the new risk value is the balance of the mortgage loan multiplied by the balance of the mortgage balance, minus the monthly salary multiplied by a monthly salary weight, deducting the deposit The average balance is multiplied by the average balance weight of a deposit, after deducting the balance of the wealth management multiplied by the weight of a wealth management balance, deducting the present value of the stock multiplied by the current value of the stock, and deducting the number of flats of the house multiplied by the current price and multiplied by the current price. Login weight. For example, the post-loan management system of the mortgage loan mentioned in item 8 of the patent application scope, wherein the mortgage balance weight and the average balance weight of the deposit are 100%. For example, the post-loan management system of the mortgage loan mentioned in claim 1 wherein the first server is based on a mortgage balance, a monthly salary, an average balance of deposits, a balance of a wealth management, a present value of a stock, and the current time. The price registration calculates the old risk value.