TWM580230U - Financial service application review system - Google Patents

Abstract

A financial service application review system includes a memory, a data receiver, and a processor. The memory stores a plurality of pre-stored data files. The data receiver receives an application profile containing a plurality of applicant characteristics and corresponding plurality of original applicant information. The processor selects one of the original applicant information as the main applicant information, searches the pre-stored data file for the matching data file containing the main applicant information, and determines whether the comparison data file further includes the secondary application in the applicant characteristics. The characteristics of the applicant and the corresponding applicant information, and when the judgment result is yes, the applicant information and the original applicant information corresponding to the secondary applicant characteristics in the application information file are compared to generate the data authenticity, and According to the implementation of financial services.

Description

Financial Services Application Review System

This creation is about an application review system, in particular a financial service application review system.

As the Internet booms, almost every financial server (such as a bank) has an online platform for applying for financial services like opening an account or applying for a credit card. As with the application method of the counter, the online platform will require the customer to provide his personal information at the time of application, including name, identity card number, phone number, address, e-mail address, and the like.

Although the above requests for personal information are obtained electronically through the platform, the current review of personal information provided by customers is done manually. In this way, not only the efficiency of the review is low, the error rate is high, and it is even difficult to discriminate whether the data provider is the person described in the data.

In view of the above, this creation provides a financial service application review system.

The financial service application review system according to an embodiment of the present invention comprises a memory, a data receiver and a processor, wherein the processor is connected to the memory and the data receiver. The memory stores a plurality of pre-stored data files. The data receiver receives an application profile containing a plurality of applicant characteristics and a plurality of original applicant information respectively corresponding to the plurality of applicant characteristics. The processor selects one of the plurality of original applicant information as the main applicant information, and searches for the comparison data file including the main applicant information from the plurality of pre-stored data files, and determines the comparison data. Whether the file further includes at least one of the plurality of applicant characteristics and at least one of the applicant applicants corresponding to the at least one applicant applicant feature, wherein the at least one applicant applicant characteristic is different from the Comparing the applicant characteristics corresponding to the main applicant information, the processor compares the at least one applicant applicant feature and the at least one discriminating applicant information when the comparison data file is included And at least one of identifying the applicant information and the original applicant information corresponding to the at least one applicant applicant feature in the application data file to generate data authenticity, and performing financial services according to at least the data authenticity.

With the above structure, the financial service application review system disclosed in the present case achieves audit automation through the application of robotic process automation, thereby saving labor costs, reducing error rate and improving efficiency. According to the detailed characteristics in the personal information provided by the applicant, the other application materials corresponding to the detailed features are extracted from the system database or the cloud database to evaluate the authenticity of the information provided by the applicant, and the corresponding financials are executed accordingly. Services to improve the accuracy of data review and to achieve customized services.

The above description of the disclosure and the following description of the embodiments are intended to illustrate and explain the spirit and principles of the present invention, and to provide further explanation of the scope of the patent application of the present invention.

The detailed features and advantages of the present invention are described in detail below in the embodiments, which are sufficient to enable any skilled artisan to understand the technical contents of the present invention and implement it according to the contents, the scope of the patent application and the drawings. Anyone familiar with the relevant art can easily understand the purpose and advantages of this creation. The following examples are intended to further illustrate the scope of this creation, but do not limit the scope of the creation in any way.

Please refer to FIG. 1. FIG. 1 is a functional block diagram of a financial service application review system according to an embodiment of the present invention. As shown in FIG. 1, the financial service application review system 1 includes a data receiver 11, a memory 13 and a processor 15, wherein the processor 15 is connected to the data receiver 11 and the memory 13.

The data receiver 11 is configured to receive an application profile. The data receiver 11 can be connected to a connection port of a client device such as a mobile phone, a tablet, a notebook, a scanner, or the like via wireless or wired. The application profile contains multiple applicant characteristics and multiple original applicant information that correspond to the characteristics of the applicants. Further, the application data file is a personal data form filled out by the client (ie, the applicant) when submitting a financial service (such as a credit card, a bank account, etc.), and the applicant features include, for example, a name, a photo, an identity card number, and a phone number. The original applicant information, such as the address, the e-mail address, etc., is the personal information that the customer fills in corresponding to the above items.

The memory 13 can be electrically connected to one or more flash memories, read-only memory, magnetic memory or other non-volatile storage medium of the processor 15, or can be connected to the processor 15 or Multiple cloud databases. The memory 13 can store a plurality of other application data files and activity records of a plurality of customers, and the other application data files can include other financial services or/and network activities (such as an e-mail application, a social software account application, or the like). The personal data form submitted when buying and selling account applications and other applications for various online accounts; the activity records include, for example, document loss reporting records, financial transaction records, and online shopping records. The above-mentioned application files and activity records are only examples, and the creation is not limited to this.

Further, the memory 13 can be a non-volatile storage medium or a cloud database owned by the financial server, and the above-mentioned application data files and activity records are pre-stored. Alternatively, the memory 13 may include a cloud database of servers such as other financial servers, government department servers, online trading servers, and community website servers that cooperate with the financial server.

The processor 15 is, for example, a central processing unit, a microcontroller, a field programmable gate array, a special application integrated circuit, or other processor. The processor 15 searches for the appropriate comparison data file from the memory 13 according to the application data file received by the data receiver 11 for comparison, and generates the data authenticity of the application data file according to the comparison result, and at least according to the data. Reality to perform financial services.

The financial service application review system 1 proposed by the present invention implements the search of suitable data files, the comparison of data contents, the generation of data realism, and the corresponding financial service processes through Robotic Process Automation technology. Further details of the above process will be described later.

Please refer to FIG. 1 , FIG. 2 and FIG. 3 , wherein FIG. 2 is a flowchart of a financial service application review method according to an embodiment of the present invention, and FIG. 3 is a diagram according to an embodiment of the present creation. Schematic diagram of the data file. The financial service application review method shown in FIG. 2 can be executed by the financial service application review system 1 shown in FIG. 1, and the financial service application review system 1 shown in FIG. 1 and the data file diagram shown in FIG. The operation of the financial service application review method of an embodiment of the present creation is exemplarily explained.

In step S101, the data receiver 11 receives the application profile A. The application profile A includes a plurality of applicant features C1 and C2 and a plurality of original applicant information D11 and D12 corresponding to the applicant features C1 and C2, respectively. As described above, the applicant characteristics C1 and C2 may be a name, a photo, an identity card number, a phone number, an address, an e-mail address, etc., and the original applicant information D11 and D12 are actual personal information corresponding to the above characteristics. For example, if the applicant is characterized by a name, the corresponding original applicant information is the name entered by the applicant, such as Wang ○ Ming. FIG. 3 exemplarily shows two applicant characteristics and original applicant information, however the number of the two materials is not limited thereto.

In step S103, the processor 15 selects one of the original applicant information D11 and D12 as the main applicant information, and searches the memory 13 for the matching data file containing the main applicant information. Taking the original applicant information D11 as the main applicant information as an example, the processor 15 searches for the original applicant information D11 from the other application data files (hereinafter referred to as pre-stored data files B1 and B2) stored in the memory 13. Comparing the data files, the pre-stored data file B1 containing the original applicant information D11 is taken as the comparison data file, and the pre-stored data file B2 contains other applicant information D31 and D32, and does not contain the original applicant information D11. Not used as a comparison data file. The following is to find a comparison data file for explanation. However, the present creation is not limited thereto, and the following steps may be performed simultaneously on a plurality of comparison data files that meet the above conditions.

In an embodiment, when the processor 15 cannot find the comparison data file from the memory 13, the processor 15 may select another original application information as the main applicant information and re-search. When the processor 15 has searched according to all the applicant information, but still cannot obtain the comparison data file, the processor 15 can identify the applicant who submitted the application data file as a high-risk customer and is included in the regular tracking list. A warning message can be generated to notify the server and then to the manual review mechanism. For the manner of processing the above scenarios, the embodiment is merely illustrated as an example, and the present creation is not limited thereto.

In step S105, the processor 15 determines whether the comparison data file further includes at least one of the plurality of applicant characteristics and the at least one identification applicant information corresponding to the at least one applicant characteristics. The at least one applicant applicant feature is different from the applicant feature corresponding to the primary applicant information. In other words, the processor 15 determines whether there are other applicant characteristics included in the application data file in addition to the applicant characteristics corresponding to the main applicant information in the data file (ie, the secondary applicant characteristics described above). And its corresponding original applicant information (ie, the above identified applicant information).

In step S107, when the processor 15 determines that the comparison data file includes the at least one applicant applicant feature and the at least one discriminating applicant information, the at least one discriminating applicant information and the application are compared. The original applicant information corresponding to the at least one applicant applicant feature in the data file to generate data authenticity. In the embodiment shown in FIG. 3, the pre-stored data file B1 as the comparison data file includes the secondary applicant feature (applicant feature C2) in the application data file A and its corresponding discriminating applicant information D22, and therefore, After determining the above state, the processor 15 compares the discriminating applicant information D22 in the pre-stored data file B1 with the original applicant information D12 in the application data file A to generate the data authenticity. Among them, the trueness of the data can be stored in percentage, absolute value, etc., and can also be divided according to the percentage or absolute value and the corresponding threshold. The creation is not limited. In the embodiment shown in FIG. 3, the number of secondary applicant features included in the comparison data file is 1, and when the processor 15 compares, it is determined that the applicant information D22 matches the original applicant information D12 (for example, The processor 15 can generate 100% or the highest data truth degree; and when the judgment result is not consistent, the processor 15 generates 0% or the lowest data truth.

In another embodiment, the number of secondary applicant features included in the comparison data file is multiple, and the corresponding identification applicant information is also multiple, and the processor 15 will execute each step S107. The information of the discriminating applicant is compared with the corresponding applicant information in the application data file, and the judgment is made, and the judgment result is obtained as the matching information quantity, and the data realism is generated according to the quantity of the information. Please refer to FIG. 4 to further illustrate this embodiment. FIG. 4 is a schematic diagram of a data file according to another embodiment of the present invention.

As shown in Fig. 4, the application data file A' includes applicant characteristics C1, C2, and C3 and corresponding original applicant information D11, D12, and D13, respectively. Using the original applicant information D11 as the main applicant information, the processor 15 can find the matching data file B1' and judge that it contains two secondary applicant characteristics C2 and C3 and corresponding to the secondary applicant characteristic C2. And C3's two discriminating applicant information D22 and D23. In this embodiment, the processor 15 determines whether the applicant information D22 matches the original applicant information D12, and determines whether the applicant information D23 matches the original applicant information D13. When the judgment result is that the matching information quantity is 2, the processor 15 can generate 100% or the highest data truth degree; when the judgment result is that the matching information quantity is 1, the 50% or the middle data is generated. Reality; and when the result of the judgment is that the number of matching information is 0, the realism of the data of 0% or the lowest is generated. The above description is exemplarily described with an embodiment in which the number of secondary applicant features is two, however, the present creation does not limit the number of secondary applicant features.

In addition, the processor 15 may also apply different weights to the secondary applicants in the calculation process of the data realism, and the weights may be pre-stored in the memory 13 in the form of a lookup table. For example, the secondary applicant feature includes an identity card number, a phone number, and an address. The identity of the identity card is not changed by the three features, so the weight can be set higher, for example, twice as much as the other two. In this case, when the judgment result of the identity card number is the match and the other two judgment results are not consistent, the processor 15 generates 50% of the data realism. In this way, the system is degraded because some features are easy to change and the data is untrue.

In step S108 of FIG. 2, when the processor 15 determines that the comparison data file does not include any of the at least one applicant applicant feature and the at least one discriminating applicant information, the processor 15 The body 13 searches for another matching data file according to the main applicant information, or performs the foregoing steps S103 and S105 again, and the detailed execution contents thereof are as described above, and will not be described herein.

In another embodiment, after executing the foregoing step S107, the processor 15 may perform steps S103-S107 again to select the same original applicant information or select another original applicant information as the second primary applicant information. And searching for a second comparison data file including the second primary applicant information, determining whether the second comparison data file includes at least one second secondary applicant characteristic and corresponding second identification applicant information, wherein the second The secondary applicant feature is different from the applicant feature corresponding to the second primary applicant information. When the determination result is yes, the processor 15 performs the second determination of the applicant information and the application data file corresponding to the second secondary application. The original applicant information of the feature, resulting in the truth of the second data. The details of the above process are as described in the previous steps S103 to S107, and therefore will not be described again.

In particular, the above-described flow is not limited to all of the steps S103 to S107. That is, the selection of the second main applicant information, the search of the second comparison data file, and the comparison of the embedded data may be performed in synchronization with or interspersed with steps S103-S107, and in still another embodiment, the financial service application The method of review may also include the selection of information of the third major applicant, the search of the third comparative data file, the comparison of the embedded data, and the generation of the truth of the third data.

In the above embodiment, the processor 15 may perform the financial service according to the plurality of data realities such as the first data authenticity, the second data realism, and the like, and a preset weight. The preset weights may be stored in the memory 13 in advance in the form of a lookup table. For example, the plurality of comparison data files are respectively obtained from a government department cloud database, a website for buying and selling a cloud, and a cloud database of a social website. In general, the data of the cloud database of the government department in the cloud database is used. Accuracy should be the highest, and the transaction database should be more accurate than the social network cloud database because it involves money transactions. Therefore, the preset weights can be set according to the above inferences from high to low for the government department cloud database, the website cloud database and the social network cloud database. The processor 15 further performs a weighting operation on the generated plurality of data realities according to the preset weights to obtain an average data realism.

In step S109, the processor 15 executes the financial service according to at least the data realism generated in step S107. Further, the processor 15 can provide a financial item having a specification corresponding to the realism of the data or the realism of the average data, and the memory 13 can store a plurality of lookup tables of the preset data realism and corresponding specifications. As an example of a financial project that opens a bank account, the trueness of the default data of the highest ranking may correspond to the account with the highest withdrawal and transfer amount, and the lower realism of the preset data may correspond to the lower Reward the transfer amount, or even an account that prohibits transfer to the unqualified account feature.

In another embodiment, in addition to the data authenticity, the processor 15 can further retrieve the applicant's past transaction records as a reference. The processor 15 can retrieve the applicant transaction record from the memory 13 according to the application data file, thereby generating the applicant credit. Further, the processor 15 can search the activity record stored in the memory 13 for a record containing any original application information in the application profile, in particular, a record associated with the transaction. When the processor 15 judges that the transaction record captured does not include a negative record such as a negative evaluation or a blacklist, the applicant's credit rating is set to a higher level, and vice versa.

In this embodiment, the processor 15 performs financial services based on the aforementioned data authenticity and the applicant's credit rating, and evaluates through more comprehensive data collection and cross-comparison to improve the correspondence between the audit result and the actual risk. . Similar to the previous embodiment, the memory 13 can store a plurality of preset data realities, preset applicant credits, and corresponding specifications of the lookup table for the processor 15 to perform with the data authenticity and the applicant. Financial items for the specification of credit. Alternatively, the memory 13 may store an arithmetic expression of the data authenticity and the applicant's credit degree, and a lookup table of a plurality of calculation result values and corresponding specifications. The detailed specification setting is as described in the above embodiment, and therefore will not be described again.

With the above structure, the financial service application review system disclosed in the present case achieves audit automation through the application of robotic process automation, thereby saving labor costs, reducing error rate and improving efficiency. According to the detailed characteristics in the personal information provided by the applicant, the other application materials corresponding to the detailed features are extracted from the system database or the cloud database to evaluate the authenticity of the information provided by the applicant, and the corresponding financials are executed accordingly. Services to improve the accuracy of data review and to achieve customized services.

Although the present invention has been disclosed above in the foregoing embodiments, it is not intended to limit the present invention. The changes and refinements that are made without departing from the spirit and scope of this creation are within the scope of patent protection of this creation. Please refer to the attached patent application scope for the scope of protection defined by this creation.

1‧‧‧Financial Service Application Review System  11‧‧‧ Data Receiver  13‧‧‧ memory  15‧‧‧ processor  A, A’‧‧‧ application data file  B1, B2‧‧‧ Pre-existing data files  B1’‧‧‧Comparative data file  C1, C2, C3‧‧‧ Applicant characteristics  D11, D12, D13‧‧‧ original applicant information  D22, D23‧‧‧ Identify applicant information  D31, D32‧‧‧ Other applicant information  

FIG. 1 is a functional block diagram of a financial service application review system according to an embodiment of the present invention.  2 is a flow chart of a financial service application review method according to an embodiment of the present invention.  FIG. 3 is a schematic diagram of a data file according to an embodiment of the present invention.  4 is a schematic diagram of a data file according to another embodiment of the present creation.  

Claims (5)

A financial service application review system comprises: a memory for storing a plurality of pre-stored data files; and a data receiver for receiving an application data file, the application data file comprising a plurality of applicant characteristics and corresponding to the characteristics of the applicants respectively a plurality of original applicant information; and a processor coupled to the memory and the data receiver, selecting one of the original applicant information as a primary applicant information, and searching for the inclusion in the pre-stored data files a comparison data file of the main applicant information, the processor determining whether the comparison data file further includes at least one of the applicant characteristics and at least one of the at least one applicant characteristics Determining the applicant information, wherein the at least one applicant applicant feature is different from the applicant profile corresponding to the primary applicant information, and the processor determines that the comparison data file includes the at least one applicant applicant feature and the at least one When discriminating the applicant information, it corresponds to the at least one discriminating applicant information and the application data file corresponding to At least once a feature of the applicant's original applicant information to generate a data fidelity and the implementation of a financial services at least according to the data fidelity. The financial service application review system of claim 1, wherein the number of the at least one applicant characteristics is plural, the number of the at least one applicant information is plural, and the processor is at least one Determining the applicant information and the original applicant information corresponding to the at least one applicant applicant feature in the application data file to generate the authenticity of the data, determining that the at least one discriminating applicant information and the application data file correspond to the The amount of information that matches the original applicant's information of the applicant's characteristics at least once, and the truth of the information is generated based on the amount of the information. The financial service application review system of claim 1, wherein the comparison data file is used as a first comparison data file, the primary applicant information is used as a first primary applicant information, and the secondary applicant feature is used as a The first time to apply for the applicant feature, the discriminating applicant information is used as a first discriminating applicant information, the realism of the data is used as a first data realism, and the processor further selects the first main applicant information or the The other one of the original applicant information is used as a second primary applicant information to find a second comparison data file containing the second primary applicant information, and whether the second comparison data file contains the applicants At least one second secondary applicant feature of the feature and at least one second identifying applicant information corresponding to the at least one second secondary applicant feature, wherein the at least one second secondary applicant feature is different from the first The applicant profile of the second main applicant information, the processor further includes the at least one second secondary applicant feature and the at least one of the second comparison data files When discriminating the applicant information, comparing the at least one second discriminating applicant information with the original applicant information corresponding to the at least one second secondary applicant characteristic in the application data file to generate a second data authenticity Degree, and executing the financial service according to the first data authenticity, the second data authenticity, and a preset weight. The financial service application review system of claim 1, wherein the memory further stores a plurality of activity records, and the processor further extracts an applicant transaction record from the activity records according to the application data file. To generate an applicant credit, and execute the financial service based on the authenticity of the information and the applicant's credit. The financial service application review system of claim 1, wherein the processor provides a financial item having a specification corresponding to the authenticity of the data when the financial service is executed according to at least the data authenticity.