TWM569025U - Instant loan system - Google Patents

Abstract

An instant credit system includes a communication unit and a microprocessor, and is electrically connected to the communication unit. The microprocessor is configured to establish a consumer nuclear loan account and a credit amount according to the information received by the communication unit and corresponding to the consumer's consumption information, the insured amount, the employment information, the credit situation, and the credit rating, and generate a corresponding consumer loan. The account and the guarantee link of the amount of the loan, the communication unit will transmit the insurance link to the consumer electronic device, and after receiving the security information corresponding to the security link, complete the guarantee and immediately allocate funds to the corresponding service provider. Enter the account.

Description

Instant loan system

This creation is about a loan system, and more specifically about an instant credit system that can complete credit procedures on the fly.

In order to meet the needs of users, financial institutions (such as banks) provide a variety of business services, such as deposits and withdrawals, collection and payment, and various types of loan services. Among them, loan services are one of its main business services. However, the known loan service requires the user to prepare a variety of certificates or application documents in advance to complete the credit process through different stages of certification. It takes a lot of time to complete the credit process for the user who is applying for the application or the file processing staff. In addition, since the conventional loan service needs to prepare relevant documents in advance and spend a lot of time and manpower to carry out the crediting procedure, it is impossible to respond to the immediate loan demand, which obviously causes the user's inconvenience.

One of the aims of this creation is to provide an instant credit system that can quickly and quickly complete credit procedures.

To achieve the above and other objects, the present invention proposes a real-time credit system including a communication unit and a microprocessor, and the microprocessor is electrically connected to the communication unit. The microprocessor is configured to establish a consumer nuclear loan account and a credit amount according to the information received by the communication unit and corresponding to the consumer's consumption information, the insured amount, the employment information, the credit situation, and the credit rating, and generate a corresponding consumer loan. The account and the guarantee link of the amount of the loan, the communication unit will transmit the insurance link to the consumer electronic device, and after receiving the security information corresponding to the security link, complete the guarantee and immediately allocate funds to the corresponding service provider. Enter the account.

In an embodiment of the present invention, the microprocessor transmits the labor insurance card information of the consumer to the labor security card inquiry system to inquire about the insured amount and the employment information of the consumer.

In one embodiment of the present invention, the microprocessor transmits the identity card information of the consumer to the identity verification system to verify the identity of the consumer, and transmits the health care card information of the consumer to the health care card verification system to verify the identity of the consumer. .

In an embodiment of the present invention, the microprocessor queries the consumer's credit situation and credit rating according to the identity card information of the consumer.

In one embodiment of the present invention, the warranty information includes consumer images, consumer signatures, and consumer fingerprints provided by the consumer.

In one embodiment of the present creation, the consumption information includes basic consumer information, consumption items provided by the service provider, and the amount of the desired credit for the corresponding consumption item.

Therefore, the instant credit system of the creation can instantly obtain the consumer personal information required for the nuclear loan by communicating with different external systems, and can complete the financing procedure to complete the financing loan in real time with the function of the consumer electronic device. The operation not only effectively reduces the credit process, but also greatly accelerates the speed of nuclear loans.

In order to fully understand the purpose, features and effects of this creation, the following specific examples, together with the attached drawings, provide a detailed description of the creation, as explained below:

Please refer to FIG. 1 , which is a schematic diagram of the operating environment of the instant credit system of the present invention. In FIG. 1, the instant credit system 100 utilizes the Internet 200 and the consumer electronic device 300, the service provider electronic device 400, the identity verification server 500, the health insurance card verification server 600, the labor security card inquiry server 700, and The connection server 800 is connected. The instant loan system 100 is used to instantly review and establish a consumer nuclear loan account and a credit amount according to the corresponding consumer's consumption information, insurance amount, employment information, credit information, credit rating, etc., and immediately generate a corresponding insurance link. The warranty is quickly performed, and the fund is immediately allocated to the account corresponding to the specific service provider. The instant credit system 100 can be implemented by the instant host system implemented by the server host, and the present invention is not limited thereto. The service provider is used to provide a variety of service items for purchase by different consumers, such as a medical service provider such as a medical clinic, and the present invention is not limited thereto. In an embodiment, the instant credit system 100 can be set up in a financial institution, and the accounting account is an account opened by the service provider in the financial institution.

The Internet 200 can be implemented in a wireless or wired manner, such as an Ethernet network, a fiber network, or a wireless local area network, and the present invention is not limited thereto.

The consumer electronic device 300 is configured to receive the security link generated and transmitted by the instant credit system 100, and the consumer can input the consumer electronic device 300 according to the operation screen corresponding to the security link (camera lens, handwriting function, fingerprint detection) The security information is used to complete the security protection process, wherein the security information may include consumer images, consumer signatures, and consumer fingerprints provided by the consumer, wherein the consumer electronic device 300 may be a smart device such as a tablet computer or a smart phone. Handheld devices, and this creation is not limited by this.

The service provider electronic device 400 is configured to receive an operation instruction or information input by an operator (for example, an employee belonging to a service provider), run and display an operation screen corresponding to the instant credit system 100 and the operation instruction, so that the operator or the consumer can The instant credit system 100 is operated by the service provider electronic device 400, wherein the service provider electronic device 400 can be a computer electronic device such as a desktop computer or a notebook computer configured with a card reader device, and the present creation does not For the limit.

For example, the operator can establish and input the consumer's consumption information in the instant credit system 100 by using the operation screen of the service provider electronic device 400, the consumer information including the basic information of the consumer (name, phone number, address, etc.) Personal information), the consumption items provided by the service provider (ie, the service items that the consumer is prepared to purchase) and the amount of the loan corresponding to the consumption item and ready for lending, wherein the amount of the loan can be less than or equal to the consumption item according to the consumer demand. The actual amount, for example, the consumer can choose to borrow at half the actual amount.

The consumer can perform identity verification by inputting personal identity card information (for example, an identity card number) in the instant credit system 100 by using the operation screen of the service provider electronic device 400. The consumer can read the health care card of the consumer by using the operation screen of the service provider electronic device 400, and input the personal health insurance card information into the instant credit system 100 to perform the inquiry of the medical identity. The consumer can input the labor insurance card of the consumer by using the operation screen of the service provider electronic device 400 and use the card reader device to input the personal labor insurance card information in the instant credit system 100 to query the insurance information.

The identity verification server 500 is configured to run a corresponding identity verification system, and is configured to determine whether the received identity card information is legal identity card information (eg, whether the received identity card information is stored in the identity verification server 500). The identity verification server 500 is, for example, a national identity card replacement data query job server, and the present creation is not limited thereto.

The health insurance card verification server 600 is configured to run a corresponding health insurance card verification system, and is configured to query a health care card identity of the consumer according to the received health care card information, wherein the health insurance card verification server 600 is, for example, a health insurance card identity of a Taiwan network certification company. The service server is identified, and this creation is not limited by this.

The labor security card inquiry server 700 is configured to run a corresponding labor insurance card inquiry system, and is configured to query the insured amount and the employment information of the consumer according to the received labor security card information, wherein the labor security card inquiry server 700 is, for example, labor insurance. The server serves the system server, and this creation is not limited by this.

The association server 800 is configured to run a corresponding association system, and is configured to query a credit status of the consumer and a credit rating according to at least the received identity information, wherein the association server 800 is, for example, a central credit scoring system. Server, and this creation is not limited by this.

Please refer to FIG. 2. FIG. 2 is a schematic diagram of a system architecture of the instant credit system 100 according to the present embodiment. In this embodiment, the instant credit system 100 includes a microprocessor 110, a memory unit 120, a communication unit 130, and a database unit 140, and the microprocessor 110 is electrically connected to the memory unit 120, the communication unit 130, and the database unit 140. .

The communication unit 130 is in communication with the Internet 200 for the instant credit system 100 and the consumer electronic device 300, the service provider electronic device 400, the identity verification server 500, the health insurance card verification server 600, and the labor security card inquiry servo. The device 700 and the association server 800 transmit or receive instructions or information required to operate the instant credit system 100 through the Internet 200, such as the labor insurance card information, the identity card information, the health insurance card information, the consumption information, Insured amount, employment information, credit status, credit rating, security link, consumer image, consumer signature, and consumer fingerprint, etc., and this creation is not limited.

The memory unit 120 is configured to store the instant credit system program 121 required for the operation of the instant credit system 100. The microprocessor 110 is configured to run the instant credit system program 121 and perform corresponding data processing, transmission or reception according to an operation instruction input by the operator or the consumer on the service provider electronic device 400, so that the instant credit system 100 can provide the required Operation.

For example, the microprocessor 110 is configured to establish and store a consumption record of the corresponding consumer according to the received consumption information. The microprocessor 110 causes the received identity card information to be transmitted to the identity verification server 500 to verify the identity of the consumer, and stores the verified identity card information in the instant credit system 100. The microprocessor 110 transmits the received health care card information to the health care card verification server 600 to verify the consumer's medical status, and stores the information of the medical status in the instant credit system 100. The microprocessor 110 transmits the received labor insurance card information to the labor security card inquiry server 700 to inquire and store the insured amount and the employment information of the consumer, and store the information such as the insured amount and the employment information of the consumer in the instant loan. System 100. The microprocessor 110 queries the association server 800 for at least the credit status of the consumer and the credit rating based on the identity information, and stores the credit information of the consumer and the credit rating and the like in the instant credit system 100. The microprocessor 110 establishes a consumer nuclear loan account and a credit amount corresponding to the consumption information according to the aforementioned consumption information, the insured amount, the employment information, the credit situation, and the credit rating. The microprocessor 110 further generates a corresponding protection link according to the consumer nuclear credit account and the credit amount, and transmits the protection link to the consumer electronic device 300, and after completing the protection information and confirming that the information is correct, the pair is completed. Guaranteed procedures. The microprocessor 110 determines that after the completion of the guarantee procedure, the amount corresponding to the credit amount can be allocated to the service provider's account account according to the amount of the loan, wherein the amount of the loan can be less than or equal to the amount of the loan, and the creation Not limited to this.

The database unit 140 is configured to store the above-mentioned consumption information, identity card information, medical status, insured amount, employment information, credit status, credit rating, consumer credit account, credit amount, and information on the insurance information. In the future, it will be used for data search or nuclear loan reference.

Therefore, when the consumer wants to purchase the service provided by the service provider and wants to make a financing loan by the instant credit system 100 described in the present creation, the operator can input and establish the consumption information before the service provider electronic device 400, the consumer. And the service provider electronic device 400 inputs the identity card information for identity verification, the health insurance card to inquire and confirm the medical status, and the labor insurance card to inquire and confirm the insured amount and the employment information. After the instant loan system 100 stores and aggregates the above-mentioned consumption information, identity card information, medical status, insurance amount and employment information, the levy server 800 queries the credit status of the consumer and the credit rating, and then establishes a consumer credit loan. The account and the amount of the loan to generate the corresponding warranty link. The instant credit system 100 transmits the security link to the consumer electronic device held by the consumer, so the consumer can input the warranty information according to the operation screen generated by the security link. After receiving the information and confirming the correct information, the instant loan system 100 can allocate funds to the service provider's account account according to the loan amount to complete the operation of the consumer instant financing loan.

In summary, the instant credit system 100 of the present invention can instantly obtain the personal information of the consumer required for the nuclear loan by communicating with different external servers, and with the different functions of the smart handheld device (camera lens, Handwriting function, fingerprint detection) Real-time completion of the insurance program to complete the financing loan operation, not only effectively reduce the credit process, but also greatly accelerate the speed of nuclear loans.

The present invention has been disclosed in the above preferred embodiments, and it should be understood by those skilled in the art that the present invention is only intended to depict the present invention and should not be construed as limiting the scope of the present invention. It should be noted that variations and permutations equivalent to those of the embodiments are intended to be included within the scope of the present invention. Therefore, the scope of protection of this creation is subject to the definition of the scope of patent application.

100‧‧‧ instant credit system

110‧‧‧Microprocessor

120‧‧‧ memory unit

121‧‧‧ instant loan system program

130‧‧‧Communication unit

140‧‧‧Database unit

200‧‧‧Internet

300‧‧‧ Consumer Electronic Devices

400‧‧‧Service provider electronic device

500‧‧‧ Identity Verification Server

600‧‧‧ Health Insurance Card Verification Server

700‧‧‧ Labor Security Card Query Server

800‧‧‧ joint server

1 is a schematic diagram of an operating environment of a real-time loan system according to the present creative embodiment; and FIG. 2 is a schematic diagram of a system architecture of a real-time loan system according to the present creative embodiment.

Claims (10)

A real-time credit system, comprising: a communication unit; and a microprocessor electrically connected to the communication unit, according to a consumption information received by the communication unit and corresponding to a consumer, an insured amount, an employment information, and a The credit situation and a credit rating establish a consumer nuclear loan account and a credit amount, generate a pair of insurance links corresponding to the consumer nuclear loan account and the amount of the loan, and enable the communication unit to transmit the bond link To a consumer electronic device, and after receiving a pair of insurance information corresponding to the pair of security links, the security is completed, and the funds are immediately allocated to an account corresponding to a service provider. The instant credit system of claim 1, wherein the microprocessor transmits the labor insurance card information of the consumer to a labor security card inquiry system to query the insured amount of the consumer and the employment information. The instant credit system of claim 1 or 2, wherein the microprocessor transmits the identity information of the consumer to an identity verification system to verify the identity of the consumer, and transmits the health insurance card information of the consumer The health insurance card verification system queries the consumer's medical status. The instant credit system of claim 3, wherein the microprocessor queries the consumer for the credit situation and the credit rating according to the identity information of the consumer in a joint system. The instant credit system of claim 1, the instant credit system further comprising a database unit, the database unit being electrically connected to the microprocessor for storing the consumption information corresponding to the consumer, the insured amount, The employment information, the credit situation and the credit rating information. The instant credit system of claim 1, wherein the consumer electronic device is a smart handheld device. The instant credit system of claim 1, wherein the warranty information includes a consumer image provided by the consumer, a consumer signature, and a consumer fingerprint. The instant credit system of claim 1, wherein the service provider is a medical service provider. The instant credit system of claim 1, wherein the consumer information comprises a consumer basic information, a consumer item provided by the service provider, and a credit amount corresponding to the consumer item. The instant credit system of claim 9, wherein the credit amount is less than or equal to the credit amount.