TWM569461U - Loan application processing system and mobile device - Google Patents

Abstract

A loan application processing system includes: a loan management server and a mobile device. The mobile device includes a network interface, a camera component, an electronic signature module, and a data protection module. The data uploading module is coupled to the network interface, the camera component and the electronic signature module. The network interface connects to the Internet. The camera component captures the image of the applicant and generates the image information of the person and captures the image of the document to generate the document image information. The electronic signature module receives the electronic signature of the applicant. Generating multiple image capture options for the data protection module, responding to these image capture options, actuating the camera component, receiving person image information, document image information, and electronic signature, and providing image information and document images via the Internet Information and electronic signatures to the loan management server.

Description

Loan application processing system and mobile device

This creation is an electronic financial service system, in particular a loan application processing system and mobile device.

With the advancement of information circulation and the opening of financial markets, the public's knowledge of finance is becoming more and more complete. Whether it is a small investment or a ready-to-use working capital, the demand for capital turnover is increasing. However, in general financial institutions, it takes a long time to review the credit status of the applicant for the loan. Moreover, in order to reduce the risk of operation, for each loan application case, the financial institution has to apply for a lot of application information and/or related documents. Not only is it time consuming, but the procedures are quite complicated, so that the applicant for the loan gets the money late and the applicant of the loan has to wait for a while to know the result. Therefore, applicants who are unable to meet the loan need a large amount of loan projects or urgent needs.

In one embodiment, a loan application processing system includes: a loan management server and a mobile device. The loan management server includes: a first network interface, a loan processing module, and a pair of security processing modules. The first network interface is coupled to the loan processing module and the security processing module, and the first network interface is connected to an internet network. The mobile device includes: a second network interface, a login module, an application data uploading module, a camera component, an electronic signature module, and a pair of data retention modules. The second network interface is coupled to the login module, the application data uploading module, and the security data uploading module, and the second network interface is connected to the Internet. The data uploading module is further coupled to the camera component and the electronic signature module. The login module establishes a communication link with the loan management server via the Internet. The application data uploading module provides a data receiving screen, receives a plurality of pending trial data of the application case via the data receiving screen, and uploads the application case to the loan processing module via the communication link. After the nuclear loan module receives the application case, the loan processing module returns one of the approval notice, one replacement notice and one verification notice corresponding to the application case via the communication link. The camera component captures the image of the applicant to generate at least one character image information, and captures at least one image of the document to generate at least one document image information. The electronic signature module receives an electronic signature. The data uploading module generates a plurality of image capturing options according to the approval notification, activates the camera component in response to the image capturing options, receives at least one character image information and at least one document image information via the camera component, and receives the electronic signature module The electronic signature is provided, and at least one character image information, at least one document image information and an electronic signature are provided to the security processing module via the communication link.

In one embodiment, a mobile device includes: a network interface, a camera component, an electronic signature module, and a pair of data retention modules. The network interface is coupled to the data protection module, and the network interface is connected to the Internet. The data uploading module is further coupled to the camera component and the electronic signature module. The camera component captures the image of the applicant to generate at least one character image information, and captures at least one image of the document to generate at least one document image information. The electronic signature module receives an electronic signature. Generating a plurality of image capture options for the data protection module, responding to the image capture options, actuating the camera component, receiving at least one character image information and at least one document image information via the camera component, and receiving the electronic signature via the electronic signature module And providing at least one person image information, at least one document image information and an electronic signature to a loan management server via the Internet.

In summary, the loan application processing system and the mobile device according to any of the embodiments of the present invention provide an intuitive operation of online loan application and/or security protection, thereby providing a quick review of the application case and avoiding the pending data. Missing and/or quick return.

Referring to FIGS. 1 and 2, a loan application processing system includes a loan management server 10 and a mobile device 20. The loan management server 10 and the mobile device 20 establish a communication link 40 via an internet 30.

The loan management server 10 includes a network interface (hereinafter referred to as a first network interface 110), a loan processing module 130, and a pair of security processing modules 150. The first network interface 110 is connected to an internet 30. The loan processing module 130 and the security processing module 150 are coupled to the first network interface 110.

The mobile device 20 includes a network interface (hereinafter referred to as a second network interface 210), a login module 220, an application data uploading module 230, a camera component 240, an electronic signature module 250, and a security data uploading module 260. The second network interface 210 is connected to an internet 30. The login module 220, the application data uploading module 230, and the security data uploading module 260 are coupled to the second network interface 210, and the data uploading module 260 is further coupled to the camera component 240 and the electronic signature module 250. The camera component 240 can be configured to capture at least one person image information and capture image of at least one document to generate at least one document image information. Here, the character image information may be at least one photo or at least one movie. The electronic signature module 250 can be used to receive an electronic signature.

The login module 220 establishes a communication link 40 with the loan management server 10 via the Internet 30 via a specific account.

In some embodiments, the loan management server 10 can further include an identity confirmation module 120 and a storage unit 170, and the identity confirmation module 120 is coupled between the first network interface 110 and the storage unit 170. The storage unit 170 stores at least one set of valid identity data, and each set of valid identity data includes a valid account number and a valid password. The mobile device 20 can further include a display unit 280, and the login module 220 is coupled to the display unit 280.

When the login module 220 attempts to connect to the loan management server 10 via the second network interface 210 and the Internet 30, the identity verification module 120 of the loan management server 10 communicates with the Internet via the first network interface 110. Road 30 returns a certification requirement. The login module 220 responds to the identity authentication request output and displays a login screen on the display unit 280 to notify the user to input a specific account and a specific password corresponding to the specific account.

In an exemplary embodiment, the login module 220 receives a specific account number and a specific password entered by the user through the input interface of the mobile device 20, and attempts to connect with the loan management server 10 via the second network interface 210 and the Internet 30. . The identity confirmation module 120 receives the specific account number and the specific password transmitted from the login module 220 via the first network interface 110, and compares it with the valid identity data stored in the storage unit 170 to confirm whether the identity of the user is effective. The identity confirmation module 120 determines a specific account when the received specific account number and the specific password match the valid account number and the valid password in any set of valid identity materials (ie, the specific account meets the valid account number and the specific password matches the valid password). The identity authentication is passed, and the login module 220 is authorized to establish a communication link 40 with the loan management server 10 via the Internet 30.

In another example, the login module 220 can perform the identity authentication process by connecting other applications and the identity verification module 120 through other applications, and then logging in to the login accounts of other applications.

In some embodiments, the specific account number may be a mobile phone number, an ID number, an employee account number, an email account number, or a string of characters consisting of any number and/or English.

After the communication link 40 is established, the mobile device 20 can provide an incoming upload procedure. In other words, the application data upload module 230 provides an upload upload option to provide the user with the upload function of the mobile device 20. In some embodiments, the mobile device 20 can further include a display unit 280, and the application data uploading module 230 is coupled to the display unit 280. At this time, the application data uploading module 230 can provide an incoming uploading option and display the incoming uploading option on the display unit 280 for the user to trigger the incoming uploading process.

In the uploading process, the application data uploading module 230 provides at least one data receiving screen, receives a plurality of pending trial data of the application case via the data receiving screen, and uploads the application case to the loan processing module 130 via the communication link 40. The information to be reviewed may be name, identity card size, birthday or date of establishment, job title, commodity category or/and code, loan amount, loan application plan, payment information, at least one license file, at least one license. The date of renewal, the status of at least one license, the license of at least one license, information on collateral, asset information, repayment record, proof of economic ability, etc.

In some embodiments, the mobile device 20 can further include a display unit 280, and the application data uploading module 230 is coupled to the display unit 280. At this time, the application data uploading module 230 displays the data receiving screen P1 on the display unit 280, and receives the plurality of pending materials d1 of the application case via the data receiving screen P1, as shown in FIG. In an exemplary embodiment, the material receiving screen P1 may be a single screen and displayed on the display unit 280 in the form of a reel. In another example, the data receiving screen P1 may be a plurality of screens and displayed on the display unit 280 in the form of a switching page.

For example, the data receiving screen P1 has a plurality of data fields I1, and each of the data fields I1 corresponds to one of the pending data d1. After the application data uploading module 230 receives the data to be reviewed d1 transmitted from the input device (not shown, such as a keyboard, a touch screen or an image recognition module, etc.), the application data uploading module 230 will review the data to be reviewed. D1 is filled in the corresponding data field I1 and displayed on the display unit 280 together with the data receiving screen P1.

In some embodiments, referring to FIG. 3, the mobile device 20 can further include an image recognition module 232, and the image recognition module 232 is coupled to the application data upload module 230 and the camera assembly 240.

In some embodiments, the application data uploading module 230 further provides an automatic determining function. When the automatic determination function is executed, the application data uploading module 230 activates the image recognition module 232, so that the image recognition module 232 receives at least one document image information acquired by the camera component 240, and performs image analysis of each document image information. Obtaining at least one document data, and then outputting the obtained document information to the application data uploading module 230. The application data uploading module 230 compares the received document data with the corresponding pending data to confirm whether the received pending data is correct. The application data uploading module 230 can be based on the order in which the document data is received, its content attribute (which can be analyzed by the content of the document data or by the image recognition module 232 for image analysis of the document image information), and The distribution location of the document image information (which can be obtained by the image recognition module 232 for image analysis of the document image information) is used to know the corresponding pending data.

For example, the data receiving screen P1 has a plurality of data fields I1, and each of the data fields I1 corresponds to one of the pending data d1. After the application data uploading module 230 receives the document information transmitted by the image recognition module 232, the application data uploading module 230 compares the document data with the pending data d1 in the corresponding data field I1 to determine two. Whether the match is in order to know whether the data d1 that has been filled in is correct. The application data uploading module 230 provides a prompt (eg, a notification message, or a display manner of changing the pending data d1, etc.) to notify the user.

In an exemplary embodiment, referring to FIG. 4, the application data uploading module 230 may further provide an automatic judgment triggering key E1, and automatically determine the triggering key E1 to activate the automatic determining function. When the automatic judgment trigger key E1 is triggered (selected and confirmed), the application data uploading module 230 starts the automatic judgment function. The automatic judgment trigger key E1 can be displayed on the display unit 280 together with the data receiving screen P1 to provide confirmation and/or selection by the user.

In some embodiments, the application data uploading module 230 further provides an automatic filling function. When the auto-fill function is executed, the application data uploading module 230 activates the image recognition module 232, so that the image recognition module 232 receives at least one document image information acquired by the camera component 240, and performs image analysis of each document image information. And obtaining at least one document data (ie, at least one of the plurality of pending materials), and then outputting the obtained pending data to the application data uploading module 230. In other words, the camera component 240 can capture the image of the applicant's ID and correspondingly generate the document image information of the document. In an exemplary embodiment, when the automatic filling function is executed, the application data uploading module 230 first activates the camera component 240 to perform the capturing operation of the document image information, and then activates the image recognition module 232 to obtain the current image of the document. The information is subjected to image analysis to obtain the personal data of the applicant shown in the document image information, that is, the pending data. In another example, the application data uploading module 230 can actuate the image recognition module 232 to enable the image recognition module 232 to obtain the document image information previously acquired by the camera component 240 (storage). In the image database (not shown) of the mobile device 20, the obtained document image information is analyzed to obtain the personal data of the applicant shown in the document image information, that is, the pending data.

In addition, referring to FIG. 5, the application data uploading module 230 may further provide an automatic filling trigger key E2, and automatically fill in the trigger key E2 to activate the automatic filling function. When the automatic filling trigger key E2 is triggered, the application data uploading module 230 starts the automatic filling function. The auto-fill trigger button E2 is displayed on the display unit 280 together with the data receiving screen P1 to provide confirmation and/or selection by the user.

Referring to FIG. 2 or FIG. 3 again, in some embodiments, the mobile device 20 may further include a notification module 270, and the notification module 270 is coupled to the second network interface 210 and the display unit 280. After the application processing module 130 receives the application form of the applicant, the loan processing module 130 transmits the approval notification, the replacement notification or the verification notification of the corresponding application case to the notification module of the mobile device 20 via the communication link 40. 270.

In some embodiments, the same application case has multiple data items, and such data items are different from each other. Each data item corresponds to one pending data. The loan processing module 130 has a plurality of predetermined items for evaluating whether the pending materials of an application case are sufficient. After the application processing module 130 receives the applicant's application case, the loan processing module 130 can confirm whether the data items that meet the predetermined items in the received application case have content (ie, whether the application case exists or not) The data to be reviewed corresponding to the data item is met. For example, whether the data field I1 that meets the data item has been filled in the pending data d1). If it is determined that the data to be reviewed corresponding to the data item exists, the loan processing module 130 enters the review procedure of the application case. If it is determined that at least one of the pending materials corresponding to the data item is missing, the loan processing module 130 returns a notification notification corresponding to the application case to the notification module 270 of the mobile device 20. In an exemplary embodiment, if it is determined that the pending data corresponding to the data item exists, the loan processing module 130 may return the notification module 270 corresponding to the success of the application to the mobile device 20.

In some embodiments, the review process can include an assessment process. In the evaluation process, the loan processing module 130 further selects the loan application condition based on the pending data of the application case to obtain a loan application project and outputs the loan application project via the communication link 40 to the mobile device 20. In an example, the loan processing module 130 may transmit the loan application and the success notification to the notification module 270 of the mobile device 20.

In some embodiments, the storage unit 170 may store a project comparison table, and the project comparison table records the plurality of loan application projects and each of the loan application projects corresponding to at least one loan application condition. In this case, the loan processing module 130 can search for the loan application conditions in the project comparison table based on the pending data of the application case, and find at least one loan application corresponding to the loan application condition that the pending data meets, and then return the report. A notification module 270 for the mobile device 20.

For example, the comparison table between the application for loan and the conditions for applying for loans is shown in Table 1 below.

Table I  <TABLE border="1" borderColor="#000000" width="85%"><TBODY><tr><td> </td><td> Apply for a loan</td></tr><tr> <td> Conditions for loan and loan</td><td> </td><td><b>A</b></td><td><b>B</b></td><td> <b>C</b></td><td><b>D</b></td><td><b>E</b></td><td><b>F< /b></td><td><b>G</b></td><td><b>H</b></td></tr><tr><td><b> 1</b></td><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td>< Td></td><td> V </td><td> V </td></tr><tr><td><b>2</b></td><td> -- < /td><td> -- </td><td> -- </td><td> -- </td><td> -- </td><td> V </td><td> -- </td><td> -- </td></tr><tr><td><b>3</b></td><td> V </td><td> V < /td><td> V </td><td> V </td><td> V </td><td></td><td> V </td><td> V </td> </tr><tr><td><b>4</b></td><td> -- </td><td> -- </td><td> -- </td>< Td> -- </td><td> -- </td><td> V </td><td> -- </td><td> -- </td></tr><tr> <td><b>5</b></td><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td></tr><tr><td><b>6</b></td ><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td>< Td > -- </td><td> V </td></tr><tr><td><b>7</b></td><td> V </td><td> -- </td><td> V </td><td> V </td><td> V </td><td> V </td><td> -- </td><td> V < /td></tr><tr><td><b>8</b></td><td> V </td><td> -- </td><td> V </td> <td> V </td><td> V </td><td> -- </td><td> -- </td><td> V </td></tr><tr>< Td><b>9</b></td><td> -- </td><td> V </td><td> -- </td><td> -- </td>< Td> -- </td><td> V </td><td> V </td><td> -- </td></tr><tr><td><b>10</b ></td><td> V </td><td> -- </td><td> V </td><td> V </td><td> V </td><td> - - </td><td> -- </td><td> V </td></tr><tr><td><b>11</b></td><td> -- < /td><td> V </td><td> -- </td><td> -- </td><td> -- </td><td> V </td><td> V </td><td> -- </td></tr><tr><td><b>12</b></td><td> V </td><td> V </td ><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td>< /tr><tr><td><b>13</b></td><td> V </td><td> V </td><td> V </td><td> V < /td><td> V </td><td> V </td><td> V </td><td> V </td></tr><tr><td><b>14< /b></td><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td><td > V </td><td> V </td></tr><tr><td><b>15</b></td><td> -- </td><td> -- </td><td> V </td><td> V </td><td> V </td><td> -- </td><td> -- </td><td> - - </td></tr><tr><td><b>16</b></td><td> V </td><td> V </td><td> V </td ><td> V </td><td> V </td><td> V </td><td> V </td><td> V </td></tr></TBODY>< /TABLE>

Here, the loan conditions 1 to 16 are different from each other. For example, loan terms 1 and 2 can be a personal credit score. Credit conditions 3 and 4 can be used to rate individual work. Credit conditions 5 and 6 can be scored for specific occupational attributes. The terms of the loan application 7 can be scored for holding a specific professional license. The loan terms 8 to 9 can be used to hold real estate ratings. The loan terms 10 to 11 can be used to account for bank accounts with specific functions. The loan condition 12 can be a score for the applicant and the insured. The conditions for applying for loans 13 can be scored for the number of loans. The loan condition 14 can be used to score the insurance status of the loan collateral. The loan condition 15 can be used to score the usage status of the loan collateral. The loan condition 16 can be that the personal deposit status meets specific requirements. Different loan terms have different weights in various loan applications. In some embodiments, each of the loan applications has a combination of different loan terms. In some embodiments, each of the loan application projects has the same loan terms with different weights.

In some embodiments, the loan management server 10 may further include a case database (not shown). In other words, the storage unit 170 can include a case database (not shown), and the case database (storage unit 170) is coupled to the loan processing module 130. After the application processing module 130 receives the application case, the loan processing module 130 further stores the received application case and the history information of the application case (eg, the review result and the application process, etc.) in the case database.

In an embodiment, when the mobile device 20 receives the approval notification of the application case, the security data uploading module 260 generates a plurality of image capturing options E3 according to the received approval notification (as shown in FIG. 6), according to the images. The capturing option E3 receives at least one character image information, at least one document image information, receives an electronic signature via the electronic signature module 250, and provides character image information, document image information, and electronic signature to the security processing via the communication link 40. Module 150. In an embodiment, each of the at least one person image information and the at least one document image information may be separate files. In another embodiment, the at least one character image information and the at least one document image information may be integrated into a single file or a plurality of files smaller than the total number of at least one character image information and at least one document image information. The electronic signature can be a track message, and the track message is input by the signer (eg, the applicant) via the display unit 280 (eg, a touch screen), that is, the electronic signature module 250 is displayed via the display unit 280. Generated by a touch event performed by an inductive signer (eg, an applicant).

In an exemplary embodiment, when the mobile device 20 receives the approval notification of the application case, the security data uploading module 260 generates a plurality of image capturing options E3 according to the received approval notification (as shown in FIG. 6), according to the images. The capture option E3 activates the camera component 240, receives at least one person image information and at least one document image information via the camera component 240, receives an electronic signature via the electronic signature module 250, and provides character image information and documents via the communication link 40. The image information and the electronic signature are given to the security processing module 150.

In an exemplary embodiment, any of the person image information and the document image information may be pre-acquired by the camera component 240 and stored in a video library (not shown) of the mobile device 20. Here, the data protection module 260 responds to any image capturing option E3 (as shown in FIG. 6) to the image database to obtain one of the pre-captured person image information and the document image information.

In another example, the data uploading module 260 activates the camera component 240 in response to any image capturing option E3 to capture one of the character image information and the document image information, and then the data uploading module 260. The captured image information (person image information or document image information) is received from the camera component 240.

The data protection module 260 can provide a pair of security screens P2. The image capturing option E3 is located in the image of the retaining member P2, and the image capturing option E3 is displayed on the display unit 280 together with the image of the retaining member P2 for the user to click. When any of the image capturing options E3 is triggered, the data saving module 260 obtains one of the person image information and the document image information via the camera component 240 or the image database.

In some embodiments, the data protection module 260 can first imprint at least one application information on each of the person image information and the document image information (to form a plurality of composite image information), and then upload the composite image. The information (ie, the person image information V1 having the application information A1 (shown in FIG. 7) and the document image information M1 (shown in FIG. 8) having the application information A1) are given to the security processing module 150. The application information A1 may include at least one pending review information. The application information A1 may further include at least one anti-theft endorsement. Here, the anti-theft endorsement can be, for example, "---only provide ○○ bank (business---)", "--- apply for ○○ loan---" and/or "---change, use invalid" --" Wait for instructions. In this case, the synthesized image information includes image information (person image information or document image information) and application information displayed on the display unit.

In some embodiments, in addition to the imprint application information A1, the data protection module 260 may also imprint the electronic signature on each of the person image information and the document image information (to form a plurality of composite image information). Then, the complex synthetic image information (ie, the person image information with the application information and the electronic signature and the document image information with the application information and the electronic signature) is uploaded to the security processing module 150.

In some embodiments, with reference to FIG. 9, the mobile device 20 may further include: a timing module 262 and a position positioning module 264, and the timing module 262 and the position positioning module 264 are coupled to the data protection module. 260. Here, the timing module 262 can be used to count a current time. The position location module 260 can perform positioning to generate current position information of the mobile device 20.

The data uploading module 260 can further obtain the current time from the timing module 262 in response to the image capturing option E3 and obtain the current location information of the mobile device 20 from the location positioning module 260, and then obtain the current time and current. The location information is embossed as two application information A1 on each of the person image information V1 and the document image information (to form a plurality of composite image information). In other words, after the person image information V1 of the application information A1 (shown in FIG. 7) is imprinted, the data protection module 260 uploads the synthesized image information to the security processing module 150.

In some embodiments, with reference to FIG. 10, the mobile device 20 further includes a case query module 290, and the case query module 290 is coupled to the second network interface 210. Moreover, the loan management server 10 can further include a case management module 190, and the case management module 190 is coupled to the case database of the first network interface 110 and the storage unit 170.

When the user wants to query the current process of the application case, the user can operate the mobile device 20 to cause the case query module 290 to generate a process query request for the application case and output the generated process query request to the loan management via the communication link 40. The case management module 190 of the server 10. The case management module 190 receives the process query request, and reads the application process of the application case from the case database of the storage unit 170 when receiving the process query request, and transmits the read application process back to the case via the communication link 40. Query module 290. In other words, after the case query request 290 successfully sends the process query request of the application case, the case query module 290 can receive the application process P3 of the application case returned by the case management module 190 via the communication link 40 according to the process query request, and will receive the received process. The application process P3 is displayed on the display unit 280 as shown in FIG. For example, the process request for a case can be accompanied by the case number N1 of the application case. The case management module 190 reads the required data (eg, the application process) from the case number N1 in the process query request to the case database of the storage unit 170 and returns it to the case inquiry module 290. Here, the case number N1 may be the number of the application case that the loan processing module 130 previously generated when the application case is received. After the case number is generated, the loan processing module 130 can establish the history information of the application case in the case database of the storage unit 170 by using the case number. The course information of each application case may include the application materials, pending materials, review results and application process of the application.

In some embodiments, referring to FIG. 10, the mobile device 20 further includes a case history module 292, and the case history module 292 is coupled to the first network interface 110. When the user wants to query an application case with a specific status, the user can operate the mobile device 20 to cause the case history module 292 to generate a history query request (retrieved data with the specific status) and output via the communication link 40. The course query is requested to the case management module 190 of the loan management server 10. The case management module 190 receives the history query request. Upon receiving the history query request, the case management module 190 searches for the case database of the storage unit 170 in this specific state according to the history query to find out that the history information of the application case has one or more materials satisfying the search data. Application cases. The case management module 190 then generates a list of cases in the identified application case and passes the generated list of the cases back to the case history module 292 via the communication link 40. In other words, after the case history module 292 successfully sends the history query request, the case management module 190 can receive the case list L1 with the corresponding application case list via the communication link 40 according to the history query request, and the received case will be received. List L1 is displayed on display unit 190 as shown in FIG.

In some embodiments, the mobile device 20 can be a device such as a smart phone, a tablet, or a notebook computer, but is not limited thereto.

In some embodiments, the identity confirmation module 120, the loan processing module 130, the security processing module 150, and the case management module 190 can be implemented by one or more processing units. In some embodiments, the login module 220, the application data uploading module 230, the electronic signature module 250, the security data uploading module 260, the image recognition module 232, the notification module 270, the timing module 262, and the case The query module 290 and the case history module 292 can be implemented by one or more processing units. The foregoing processing units may be microprocessors, microcontrollers, digital signal processors, central processing units, programmable logic devices, state devices, logic circuits, analog circuits, digital circuits, and/or any operation based on operational instructions. A device (analog and/or digital) of a signal, but is not limited here. In some embodiments, the login module 220, the application data uploading module 230, the electronic signature module 250, the security data uploading module 260, the image recognition module 232, the notification module 270, and the case query module 290 are The functionality of the case history module 292 can be implemented by one or more processing units in conjunction with a mobile application (APP).

In some embodiments, camera assembly 240 can include a lens, a light sensing element, and an image processing unit. In some embodiments, the position location module 264 can include a global satellite positioning system or a WIFI positioning module. For example, in an exemplary embodiment, when the position location module 264 employs a global satellite positioning system, the global satellite positioning system can capture satellite signals and perform algorithmic operations to obtain current location information of the mobile device 20. In another example, when the position positioning module 264 adopts the WIFI positioning module, the WIFI positioning module can capture the WIFI signal and perform algorithm operation to obtain the current position information of the mobile device 20.

In some embodiments, the mobile device 20 may further include another storage unit (not shown). The storage unit is coupled to the second network interface 210, the login module 220, the application data upload module 230, and the electronic signature module. The group 250, the data protection module 260, the image recognition module 232, the timing module 262, the notification module 270, the case query module 290 and the case history module 292, and the storage unit can be used for storing or temporarily storing The second network interface 210, the login module 220, the application data uploading module 230, the electronic signature module 250, the security data uploading module 260, the image recognition module 232, the timing module 262, the notification module 270, The case query module 290 and the software/firmware programs, materials, files or combinations thereof required for the operation of the case history module 292.

In some embodiments, the storage unit 170 of the loan management server 10 is further configured to store or temporarily store the first network interface 110, the loan processing module 130, the security processing module 150, and the case management module 190. Related software/firmware programs, materials, files or combinations thereof. The storage unit may be, for example, a volatile memory or a non-volatile memory, but is not limited thereto.

In an embodiment, the input interface of the mobile device 20 can be a physical button or a virtual button or the like. In another embodiment, the input interface of the mobile device 20 can also be implemented by the display unit 280, that is, the display unit 280 can be a touch screen with a touch function.

In some embodiments, each of the foregoing network interfaces (the first network interface 110 or the second network interface 210) may be a wireless network module, a wireless communication module, or a combination thereof, but is not limited thereto. .

In summary, the loan application processing system and the mobile device according to any of the embodiments of the present invention provide an intuitive operation of online loan application and/or security protection, thereby providing a quick review of the application case and avoiding the pending data. Missing and/or quick return.

10‧‧‧ loan management server

110‧‧‧First network interface

120‧‧‧identification module

130‧‧‧ loan processing module

150‧‧‧Security module

170‧‧‧ storage unit

190‧‧‧ Case Management Module

20‧‧‧ mobile devices

210‧‧‧Second network interface

220‧‧‧ Login Module

230‧‧‧Application Data Upload Module

232‧‧‧Image recognition module

240‧‧‧ camera components

250‧‧‧Electronic Signature Module

260‧‧‧Protection data upload module

262‧‧‧Time Module

264‧‧‧Location Positioning Module

270‧‧‧Notification module

280‧‧‧ display unit

290‧‧‧ Case Inquiry Module

292‧‧‧Case History Module

30‧‧‧Internet

40‧‧‧Communication links

P1‧‧‧ data receiving screen

D1‧‧‧ pending information

I1‧‧‧ data field

E1‧‧‧Automatic judgment trigger button

E2‧‧‧Automatically fill in the trigger button

P2‧‧‧Pressing screen

E3‧‧‧Image capture options

V1‧‧‧ character image information

A1‧‧‧ Application Information

M1‧‧‧Document image information

P3‧‧‧ application process

N1‧‧‧ case number

List of L1‧‧‧ cases

1 is a schematic diagram of a loan application processing system in accordance with an embodiment of the present invention. 2 is a functional block diagram of the loan application processing system of FIG. 1. 3 is a functional block diagram of a loan application processing system in accordance with another embodiment of the present creation. 4 is a schematic diagram showing an example of a data receiving screen in the loan application processing system according to the present creation. FIG. 5 is a schematic diagram of another example of a data receiving screen in the loan application processing system according to the present creation. FIG. 6 is a schematic diagram showing an example of a screen of a retaining piece in the loan application processing system according to the present creation. 7 is a schematic diagram of an exemplary embodiment of synthetic image information in a loan application processing system according to the present creation. FIG. 8 is a schematic diagram showing another example of synthetic image information in the loan application processing system according to the present creation. 9 is a functional block diagram of a mobile device in a loan application processing system according to still another embodiment of the present invention. FIG. 10 is a functional block diagram of a loan application processing system according to still another embodiment of the present creation. 11 is a schematic diagram of an exemplary embodiment of an application process in a loan application processing system according to the present creation. Figure 12 is a schematic illustration of an example of a list of cases in a loan application processing system in accordance with the present invention.

Claims (23)

A loan application processing system, comprising: a loan management server, comprising: a first network interface, connecting to an internet network; a loan processing module coupled to the first network interface; and a pair of security processing The module is coupled to the first network interface; and a mobile device includes: a second network interface connected to the Internet; a login module coupled to the second network interface, via the Internet And the loan management server establishes a communication link; an application data uploading module coupled to the second network interface, providing a data receiving screen, receiving, by the data receiving screen, a plurality of pending trial materials of the application case, and Uploading the application case to the loan processing module via the communication link, wherein after the application processing module receives the application case, the loan processing module returns an approval corresponding to the application case via the communication link One of a notification, a make-up notification, and a verification notice; a camera component that captures an image of the applicant to generate at least one person image information, and captures images of at least one document Generating at least one document image information; an electronic signature module receiving an electronic signature; and a pair of data protection module coupled to the second network interface, the camera component and the electronic signature module, according to The approval notification generates a plurality of image capturing options, and receives the at least one character image information, the at least one document image information and the electronic signature according to the image capturing options, and provides the at least one character image information via the communication link, The at least one document image information and the electronic signature are given to the security processing module. The loan application processing system of claim 1, wherein the data protection module first stamps at least one application information on each of the at least one person image information and the at least one document image information, and then And uploading the at least one person image information having the at least one application information and the at least one document image information having the at least one application information to the security processing module. The loan application processing system of claim 2, wherein the data protection module further stamps the electronic signature on each of the at least one character image information and the at least one document image information, and then And uploading the at least one person image information having the electronic signature and the at least one application information and the at least one document image information having the electronic signature and the at least one application information to the security processing module. The loan application processing system of claim 2, wherein the mobile device further comprises: a timing module that counts a current time; and a position positioning module that performs positioning to generate a current location information; wherein the pair The data uploading module is further coupled to the chronograph module and the position locating module, and the data saving module obtains the current time and the current position information in response to the image capturing options; wherein the pair of data protection modules The group further imprints the current time and the current location information as each of the at least one application information on each of the at least one character image information and the at least one document image information. The loan application processing system of claim 4, wherein the data protection module further stamps the electronic signature on each of the at least one character image information and the at least one document image information, and then And uploading the at least one person image information having the electronic signature and the at least one application information and the at least one document image information having the electronic signature and the at least one application information to the security processing module. The loan application processing system of claim 1, wherein the mobile device further comprises: a case inquiry module coupled to the second network interface, and outputting a process query request for the loan via the communication link to the loan The management server receives and receives the application process of the application case returned by the loan management server via the communication link according to the process query. The loan application processing system of claim 6, wherein the loan management server further comprises: a storage unit, the storage unit comprising a case database, wherein after the application processing module receives the application case, The application processing module further stores the application case and the application process of the application case in the case database; and a case management module coupled to the first network interface and the case database When receiving the query request of the process, the application process of the application case is read from the case database, and the read application process is transmitted back to the case inquiry module via the communication link. The loan application processing system of claim 1, wherein the mobile device further comprises: a case history module coupled to the second network interface, and outputting a history query request to the loan management server via the communication link Receiving a list of cases returned by the loan management server via the communication link according to the query request. The loan application processing system of claim 1, wherein the mobile device further comprises: an image recognition module coupled to the camera component and the application data uploading module, wherein the application data uploading module further provides an automatic judgment And the application data uploading module activates the image recognition module to enable the image recognition module to receive the at least one document image information and perform image analysis of each of the document image information. And outputting the at least one document data to the application data uploading module, and then the application data uploading module determines the correctness of at least one of the plurality of pending materials according to the at least one document data. . The loan application processing system of claim 1, wherein the mobile device further comprises: an image recognition module coupled to the camera component and the application data uploading module, wherein the application data uploading module further provides an automatic filling The application data uploading module activates the image recognition module to enable the image recognition module to receive the image information of the at least one document and perform image information of each of the document image information. The analysis obtains at least one of the plurality of review materials and outputs the obtained pending data to the application data uploading module. The loan application processing system of claim 1, wherein after the application processing module receives the application case, the loan processing module further selects the subscription condition according to the plural pending data of the application case. A loan application project and outputting the obtained loan application program to the mobile device via the communication link. The loan application processing system of claim 1, wherein the at least one person image information can be at least one photo or at least one movie. A mobile device includes: a network interface connected to an internet network; a camera component that captures an image of the applicant to generate at least one character image information, and captures at least one image of the document to generate at least one document image information An electronic signature module receives an electronic signature; and a pair of data retention modules coupled to the network interface, the camera component and the electronic signature module to generate a plurality of image capture options, according to the The image capturing option receives the at least one character image information, the at least one document image information and the electronic signature, and embosses at least one application information on each of the at least one character image information and the at least one document image information To form a plurality of synthetic image information, and provide the composite image information and the electronic signature to a loan management server via the Internet. The mobile device of claim 13, wherein the data protection module further imprints the electronic signature on each of the at least one character image information and the at least one document image information to form the plurality After synthesizing the image information, the plurality of composite image information having the electronic signature is uploaded to the loan management server. The mobile device of claim 13, further comprising: a timing module that counts a current time; and a position positioning module that performs positioning to generate a current location information; wherein the pair of data protection modules is further The current time and the current location information are obtained by the data uploading module in response to the image capturing options; and wherein the data saving module further includes the current data The time and the current location information are imprinted on each of the at least one person image information and the at least one document image information as the at least one application information. The mobile device of claim 15, wherein the data protection module further imprints the electronic signature on each of the at least one character image information and the at least one document image information to form the plurality After synthesizing the image information, the plurality of composite image information having the electronic signature is uploaded to the loan management server. The mobile device of claim 13, further comprising: a case query module coupled to the network interface, and outputting, by the internet, a process query request for the application to the loan management server and receiving the loan The management server queries, according to the process, the application process of the application case that is returned via the communication link. The mobile device of claim 13, further comprising: a case history module coupled to the network interface, outputting a history query request to the loan management server via the Internet, and receiving the loan management server according to The process query asks for a list of cases returned via the communication link. The mobile device of claim 13, further comprising: an application data uploading module coupled to the network interface, providing a data receiving screen, receiving, by the data receiving screen, a plurality of pending trial materials of the application case, and The internet uploads the application case to the loan management server. The mobile device of claim 19, wherein after the loan management server receives the application, the loan management server returns an approval notification, a supplement notification, and a response to the application case via the communication link. One of the rebuttal notifications, and the corresponding data uploading module generates the plural image capturing option according to the approval notification. The mobile device of claim 19, further comprising: an image recognition module coupled to the camera component and the application data uploading module, wherein the application data uploading module further provides an automatic determining function, and The application data uploading module activates the image recognition module to enable the image recognition module to receive the at least one document image information, perform image analysis of each of the document image information, and obtain at least one document data. The obtained at least one document data is output to the application data uploading module, and then the application data uploading module determines the correctness of at least one of the plurality of pending materials according to the at least one document data. The mobile device of claim 19, further comprising: an image recognition module coupled to the camera component and the application data uploading module, wherein the application data uploading module further provides an automatic filling function and execution In the automatic filling function, the application data uploading module activates the image recognition module, so that the image recognition module receives the at least one document image information, performs image analysis of each of the document image information, and obtains the plurality of At least one of the audit materials is outputted to the application data uploading module. The mobile device of claim 13, wherein the at least one person image information is at least one photo or at least one movie.