TWM589852U - Production system and computer system for credit granting aggrement - Google Patents

Abstract

A production system for credit granting agreement, for providing customers with the credit granting agreements, includes an access module, an agreement production module and a output module. The access module is configured to acquire an agreement content from an agreement management system. The agreement production module connects to the access module and is configured to adjust the agreement content according to a credit granting condition of the customer to produce a credit granting agreement. The output module connects to the agreement production module and is configured to output the credit granting agreement as a paper agreement or an electronic agreement.

Description

Credit contract generating system and credit contract computer system

The invention relates to a generating system and a computer system, in particular to a credit contract generating system and a credit contract computer system.

Traditionally, when a customer applies for financial credit approval, the financial service personnel need to generate a credit contract and paper on their own according to their credit conditions, which should be filled out and guaranteed by the borrower. However, financial service personnel need to search through a lot of information to complete this work. For example, you need to find the agreement that must be stated in each contract and the agreement that must be stated in individual commodities, and then modify the agreement according to the credit conditions to generate the paper for the credit agreement. In this way, the above-mentioned traditional working methods will cause time-consuming and inefficient problems. In addition, if the service staff makes mistakes, it is necessary to re-generate the credit agreement, resulting in a waste of time and cost.

Therefore, there is a need for a credit contract generation system and a credit contract computer system that can automatically generate a credit contract based on the client's credit conditions, thereby reducing time and labor costs, and improving work efficiency and service quality.

The purpose of the present invention is to provide a credit contract generating system and a credit contract computer system that can automatically generate a credit contract according to the client's credit conditions, thereby reducing time, labor costs, and improving work efficiency and service quality.

According to the above object of the present invention, a credit contract generating system is provided. The credit contract generating system is used to provide the credit contract to the customer and includes an access module, a contract generating module and an output module. The access module is configured to obtain contract content from the contract management system. The contract generation module is connected to the access module and is configured to adjust the contract content according to the customer's credit conditions to generate a credit contract. The output module is connected to the contract generation module and is configured to output the credit contract as a paper contract or an electronic contract.

According to an embodiment of the present invention, the contract management system includes a common clause module and an individual commodity clause module. The common clause module has a general clause content, and the individual commodity clause module has an individual commodity clause content. The clause content includes General contract content and individual product contract content.

According to an embodiment of the present invention, the content of the general contract includes at least one of the provisions for preventing money laundering, the expiry of the credit extension agreement, the applicable law and the jurisdiction court.

According to an embodiment of the present invention, the credit agreement includes at least one of a credit agreement, a guarantee, a special debit note, and an appropriation certificate.

According to one embodiment of the present invention, the access module is further configured to determine whether to sign a contract with the customer. If a contract is to be signed with the customer, the credit conditions are sent to the contract management system to obtain the contract from the contract management system According to the content.

According to an embodiment of the present invention, the access module is further configured to According to the approval conditions of the case, it is judged that the guarantor signed separately, or the borrower signed separately, or the guarantor and the borrower signed together, and the contract content is obtained from the contract management system based on the judgment result.

According to an embodiment of the present invention, the contract generation module merges the contract content to generate a credit contract.

According to an embodiment of the present invention, the contract generation module is further configured to check whether the values of the plural fields of the credit contract meet the credit conditions.

According to an embodiment of the present invention, the credit contract generation system further includes a verification contract. When the credit contract is an electronic contract, the verification contract is verified after the customer signs the electronic contract on the electronic device. Configure to receive the customer's signature information, and compare the signature information with the reference information of the seal system to generate a comparison result.

According to the above-mentioned object of the present invention, there is also provided a credit contract computer system, which includes a memory unit, a printer, a communication module, and a processing module. The memory unit stores the credit contract generation program. The processing module connects the memory unit, printer and communication module. When the processing module executes the credit contract generation program, the processing module obtains the contract content from the contract management system, adjusts the contract content according to the customer's credit conditions to generate the credit contract, and outputs the credit contract as a paper contract According to the electronic contract. Among them, the printer is configured to print paper contracts, and the communication module is configured to transmit electronic contracts.

In order to make the above-mentioned features and advantages of the present invention more obvious and understandable, the embodiments are specifically described below and described in detail in conjunction with the accompanying drawings.

1‧‧‧Credit contract generation system

11‧‧‧Access module

12‧‧‧ Data generation module

13‧‧‧Output module

14‧‧‧ Verification module

15‧‧‧Query module

2‧‧‧ contract management system

21‧‧‧Common Articles Module

22‧‧‧Individual Articles Module

3‧‧‧Seal system

31‧‧‧Reference

4‧‧‧Monitoring system

5‧‧‧Credit agreement computer system

51‧‧‧Memory unit

511‧‧‧Credit contract generation program

52‧‧‧Printer

53‧‧‧Communication module

54‧‧‧Processing module

E‧‧‧Electronic device

From the following detailed description made in conjunction with the attached drawings, a better understanding of the aspect of the present invention can be obtained. It should be noted that according to industry standard practices, the features are not drawn to scale. In fact, in order to make the discussion clearer, the size of each feature can be arbitrarily increased or decreased.

[FIG. 1] It is a block diagram of a credit contract generating system according to an embodiment of the present invention.

[FIG. 2] A block diagram of the verification module of the credit contract generation system according to the embodiment of the present invention.

[FIG. 3] It is a block diagram of a credit contract computer system according to an embodiment of the present invention.

The embodiments of the present invention are discussed in detail below. However, it can be understood that the embodiments provide many applicable concepts that can be implemented in a variety of specific contents. The discussed and disclosed embodiments are for illustration only, and are not intended to limit the scope of the present invention.

FIG. 1 is a block diagram of a credit contract generating system 1 according to an embodiment of the present invention. Please refer to FIG. 1, the credit contract generating system 1 is used to provide credit contract to customers, and includes an access module 11, a contract generating module 12 and an output module 13, wherein the contract generating module 12 is respectively The access module 11 and the output module 13 are connected. Here, the aforementioned “connection” may include direct connection or indirect connection, electrical connection or communication connection, wired connection or wireless connection, and the following is the same.

After the client’s credit application is approved, the access module 11 can The contract content is obtained from the contract management system 2. In one embodiment, the contract management system 2 includes a common clause module 21 and an individual commodity clause module 22. The common provision module 21 has the content of a general contract, which is, for example, an agreement that must be stated in various contracts of a bank, for example: at least one of the provisions for preventing money laundering, the expiry of the credit extension agreement, the applicable law and the competent court . The individual product clause module 22 has individual product contract contents, which are, for example, contract content corresponding to different products. In this embodiment, the contract content obtained by the access module 11 from the contract management system 2 includes the general contract content and the individual product contract content.

In addition, in one embodiment, before obtaining the contract content, the access module 11 can further determine whether it is necessary to sign the contract with the customer. If the contract is to be signed with the customer, the credit conditions of the customer are sent to the contract management system 2. Obtain the contract content from the contract management system 2. In this embodiment, when the client's application for credit is approved, the credit conditions are determined, which include, for example, the amount, period, interest rate, or other financial-related conditions.

In addition, in another embodiment, the access module 11 can further determine whether the credit agreement is signed by the guarantor or the borrower alone, or the guarantor and the borrower jointly sign according to the client’s case approval conditions. The judgment result is obtained from the contract management system 2 for the corresponding contract content.

The contract generating module 12 can adjust the content of the contract according to the credit conditions of the customer to generate a credit contract. In this embodiment, the contract generation module 12 can bring the credit conditions into the contract content, for example: the contract generation module 12 determines the jurisdiction court of the general contract content based on the nature of the collateral, customer, loan, or According to the credit conditions of the amount, period, interest rate, etc., modify the content of the individual commodity contract. In addition, in an embodiment, manual modification Use contract content and/or individual product contract content. According to an embodiment, the credit contract includes, for example, at least one of a credit agreement, a guarantee, a special loan, and an appropriation of creditor's right, and the credit contract can also be divided into a guarantor contract and a borrower contract.

In an embodiment, the contract generation module 12 may combine a plurality of contract contents to generate a credit contract, for example, combining the adjusted general contract content and individual product contract content to generate a credit contract. In addition, in one embodiment, the contract generation module 12 can further check whether the values of the plural fields of the credit contract meet the credit conditions, thereby improving the accuracy of the credit contract.

The output module 13 may output the credit contract as a paper contract, an electronic contract, or both. In the example of the electronic contract, please refer to FIG. 2, the credit contract generation system 1 may further include a verification module 14. After the customer receives the electronic contract on his electronic device E and signs the electronic contract, the verification module 14 can receive the customer's signature information and compare the signature information with the reference information 31 of the seal system 3 to generate a comparison To the result. If the result of the comparison is that the two match, the verification and verification operation is completed.

In the example of the paper contract, the paper contract can be given to the customer by the service staff. After the customer signs or prints, the service staff can scan or take the signature and seal image on the mobile device, and the service staff will return the credit The contract generating system 1 enables the verification module 14 of the credit contract generating system 1 to instantly compare the signature, the seal image, and the reference information 31 of the seal system 3. If the two match, the verification and verification operation is completed.

In addition, please refer to FIG. 1 again. In an embodiment, the credit contract generating system 1 may further include an inquiry module 15. Query module 15 connection access The module 11 can be connected to the monitoring system 4 to inquire whether the customer has any untrustworthy situation. Here, after the client’s credit application is approved, the query module 15 can be connected to the monitoring system 4 to query whether the client has a credit failure. When there is an untrustworthy situation, the credit contract generation system 1 does not perform subsequent operations; when there is no untrustworthy situation, the credit contract generation system 1 performs subsequent operations. The monitoring system 4 includes, for example, a Unilever system, an Anti-Money Laundering (AML) system, stakeholders, and so on. In this embodiment, the inquiry module 15 generates a message to the monitoring system 4 to inquire whether there is any thing that cannot be loaned. In other embodiments, the operation of the query module 15 may be performed manually, or by a manual and program operation.

FIG. 3 is a block diagram of the credit contract computer system 5 of the new embodiment. Referring to FIG. 3, the credit contract computer system 5 includes a memory unit 51, a printer 52, a communication module 53, and a processing module 54. The memory unit 51 stores a credit contract generation program 511. The processing module 54 connects the memory unit 51, the printer 53 and the communication module 53. When the processing module 54 executes the credit contract generation program 511, the processing module 54 obtains the contract content from the contract management system (such as the contract management system 2 in FIG. 1), and adjusts the contract content according to the customer's credit conditions Generate a credit contract and export the credit contract as a paper contract or an electronic contract. Among them, the printer 52 can print a paper contract, and the communication module 54 can send an electronic contract, for example, to a customer's electronic device.

In addition, by executing the credit contract generation program 511 by the processing module 54, the access module 11, the contract generation module 12 and the output module 13 of the credit contract generation system 1 corresponding to the above embodiment of FIG. 1 can be further performed Related operations; since this related operation has been described in detail in the foregoing embodiments, it will not be repeated here Narrate. In another embodiment, the execution of the credit contract generation program 511 by the processing module 54 can further perform the related operations of the query module 15 corresponding to FIG. 1 and the verification module 14 corresponding to FIG. 2; The operation has been described in detail in the aforementioned embodiment, so it will not be repeated here.

As can be seen from the above description, the new credit contract generation system and credit contract computer system can obtain the contract content from the contract management system, and adjust the contract content according to the client's credit conditions to generate the credit contract. In this way, the new model can automatically generate a credit contract according to the customer's credit conditions, thereby reducing time and labor costs, and improving work efficiency and service quality.

Although the present invention has been described in detail with reference to certain embodiments, other embodiments are still possible. Therefore, the spirit and scope of the additional new patent application scope should not be limited to the description of the embodiments contained herein.

Obviously, those skilled in the art can make different modifications and changes to the structure of the new type without departing from the scope or spirit of the new type. In view of the above, when the intention is the modifications covered by the new model and the changes of the new model, they all fall within the scope of the patent application of the following new model.

The above outlines the features of several embodiments, so that those with ordinary knowledge in the art can better understand the aspect of the present invention. Those of ordinary skill in the art can understand that they can use the present invention as a basis to design or modify other processes or structures, thereby accomplishing the same goals and/or advantages as these embodiments. Those with ordinary knowledge in the art should also understand that these equivalent constructions do not deviate from the spirit and scope of the new type, and they can make various changes, substitutions, and changes without departing from the spirit and scope of the new type.

1‧‧‧Credit contract generation system

11‧‧‧Access module

12‧‧‧ Data generation module

13‧‧‧Output module

15‧‧‧Query module

2‧‧‧ contract management system

21‧‧‧Common Articles Module

22‧‧‧Individual Articles Module

4‧‧‧Monitoring system

Claims (10)

A credit contract generating system is used to provide a credit contract to a customer. The credit contract generating system includes: an access module configured to obtain at least one contract content from a contract management system; a contract generating module Group, connected to the access module, and configured to adjust the content of at least one contract according to one of the customer's credit conditions to generate a credit contract; and an output module, connected to the contract generation module and configured to output The credit contract is a paper contract or an electronic contract. The credit contract generation system as described in item 1 of the patent application scope, wherein the contract management system includes a common clause module and a separate commodity clause module, the common clause module has a common contract content, the individual The commodity clause module has a separate contract content, and the at least one contract content includes the general contract content and the individual product contract content. The credit contract generation system as described in item 2 of the patent application scope, wherein the general contract content includes at least one of provisions for preventing money laundering, an agreement for expedited credit expiry, applicable law, and a court of jurisdiction. The credit contract generation system as described in item 1 of the scope of patent application, wherein the credit contract includes at least one of a credit agreement, a guarantee, a special debit note, and an appropriation and credit certificate. The credit contract generation system as described in item 1 of the patent application scope, wherein the access module is further configured to determine whether a contract contract needs to be signed with the customer, and if a contract contract needs to be signed with the customer, the credit conditions are sent to the contract According to the data management system, the content of the at least one contract is obtained from the contract management system. The credit contract generating system as described in item 1 or item 5 of the patent application scope, wherein the access module is further configured to judge whether the credit contract is signed by the guarantor or the borrower alone according to the approval conditions of a case Sign, or the guarantor and the borrower jointly sign, and obtain the content of the at least one contract from the contract management system based on the judgment result. The credit contract generation system as described in item 1 of the patent application scope, wherein the at least one contract content includes a plurality of contract content, and the contract generation module merges the contract content to generate the credit contract. The credit contract generating system as described in item 1 of the patent application scope, wherein the contract generating module is further configured to check whether the values of the plural fields of the credit contract meet the credit conditions. The credit contract generation system as described in item 1 of the patent application scope further includes: a verification module, when the credit contract is an electronic contract, the customer signs the electronic contract on an electronic device After the data, the nuclear body The group is configured to receive the signature information of one of the customers, and compare the signature information with the reference information of a seal system to produce a comparison result. A credit contract computer system includes: a memory unit that stores a credit contract generation program; a printer; a communication module; and a processing module that connects the memory unit, the printer, and the communication module When the processing module executes the credit contract generation program, the processing module obtains at least one contract content from a contract management system, adjusts the at least one contract content according to one of the client's credit conditions to generate a credit contract And output the credit contract as a paper contract or an electronic contract, wherein the printer is configured to print the paper contract, and the communication module is configured to transmit the electronic contract.

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