TWM590738U - Online loan application system - Google Patents
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Abstract
一種線上貸款申請系統包含一銀行伺服器、一與該銀行伺服器電耦接的網址產生伺服器。該銀行伺服器能與該第一終端電子裝置及該第二終端電子裝置通訊，且儲存相關於該貸款主借人的一第一身分驗證資料及一通訊資料。該銀行伺服器在接收到判斷一第一待驗證資料與該第一身分驗證資料相符後，該銀行伺服器產生一貸款申請網址，並將該貸款申請網址傳送給該第一終端電子裝置，使該第一終端電子裝置顯示一貸款申請網頁。該銀行伺服器在接收到一貸款資料後，產生一包含該貸款資料的網址產生請求，並將該網址產生請求傳送給該網址產生伺服器。An online loan application system includes a bank server and a website generation server electrically coupled to the bank server. The bank server can communicate with the first terminal electronic device and the second terminal electronic device, and store a first identity verification data and a communication data related to the loan principal and borrower. After the bank server receives and judges that the first data to be verified matches the first identity verification data, the bank server generates a loan application website and transmits the loan application website to the first terminal electronic device, so that The first terminal electronic device displays a loan application webpage. After receiving the loan data, the bank server generates a website generating request containing the loan data, and sends the website generating request to the website generating server.
Description
本新型是有關於一種貸款申請系統，特別是指一種線上的貸款申請系統。The present invention relates to a loan application system, especially an online loan application system.
現行的貸款申請作業，借款人需親自至銀行櫃檯辦理相關之作業流程，且需要銀行之業務人員填寫相關之紙本資料，此外，若借款人所申請的貸款需要保證人，則保證人也需要在貸款之相關文件上親自簽名，因此，現行的貸款申請作業仍有改善的空間。In the current loan application operation, the borrower needs to go to the bank counter to handle the relevant operation process in person, and the bank's business personnel are required to fill out the relevant paper materials. In addition, if the loan applied for by the borrower requires a guarantor, the guarantor also needs to The relevant documents are signed in person, so there is still room for improvement in the current loan application.
因此，如何改善現行的貸款作業，使貸款作業更便於借款人及保證人，也使銀行業務人員能夠有效率的處理貸款業務，遂成為本新型所欲探討的主題。Therefore, how to improve the current loan operation, make the loan operation more convenient for the borrower and the guarantor, and also enable the bank business staff to handle the loan business efficiently, which has become the subject of this new model.
因此，本新型之目的，即在提供一種能提升貸款效率的線上貸款申請系統。Therefore, the purpose of the new model is to provide an online loan application system that can improve loan efficiency.
於是，本新型之線上貸款申請系統能與一通訊伺服器、一第一終端電子裝置，及一第二終端電子裝置通訊，該第一終端電子裝置供一貸款主借人操作，該第二終端電子裝置供一貸款關係人操作且能與該第一終端電子裝置通訊。該線上貸款申請系統包含一銀行伺服器及一與該銀行伺服器電耦接的網址產生伺服器。Thus, the new online loan application system of the present invention can communicate with a communication server, a first terminal electronic device, and a second terminal electronic device. The first terminal electronic device is operated by a loan principal and borrower, and the second terminal The electronic device is operated by a loan relationship person and can communicate with the first terminal electronic device. The online loan application system includes a bank server and a website generation server electrically coupled to the bank server.
該銀行伺服器能與該第一終端電子裝置及該第二終端電子裝置通訊，且儲存相關於該貸款主借人的一第一身分驗證資料及相關於該貸款主借人的一通訊資料。The bank server can communicate with the first terminal electronic device and the second terminal electronic device, and store a first identity verification data related to the loan principal and borrower and a communication data related to the loan principal and borrower.
該銀行伺服器在接收到來自於該第一終端電子裝置且相關於該貸款主借人的一第一待驗證資料及判斷該第一待驗證資料與相關於該第一待驗證資料的該使用者所相關的該第一身分驗證資料相符後，該銀行伺服器產生對應於供該使用者輸入一相關於貸款且包含一貸款金額的貸款資料的一貸款申請網頁的一貸款申請網址，並將該貸款申請網址傳送給該第一終端電子裝置，使該第一終端電子裝置顯示該貸款申請網頁。The bank server receives a first to-be-verified data from the first terminal electronic device related to the loan principal and borrower and determines the first to-be-verified data and the usage related to the first to-be-verified data After the first identity verification data related to the user matches, the bank server generates a loan application URL corresponding to a loan application web page for the user to enter a loan application related to the loan and contains a loan amount, and the The loan application website is transmitted to the first terminal electronic device, so that the first terminal electronic device displays the loan application webpage.
該銀行伺服器在接收到來自該第一終端電子裝置的該貸款資料後，產生一包含該貸款資料其中至少部分者的網址產生請求，並將該網址產生請求傳送給該網址產生伺服器。After receiving the loan data from the electronic device of the first terminal, the bank server generates a URL generation request containing at least part of the loan data, and transmits the URL generation request to the URL generation server.
該網址產生伺服器接收到該網址產生請求後，根據該網址產生請求所包含的該貸款資料其中至少部分者，產生對應於用以供該貸款關係人確認該貸款資料的一貸款確認網頁的一貸款確認網址，並將該貸款確認網址回傳給該銀行伺服器。After receiving the web site generation request, the web site generation server generates a loan confirmation webpage corresponding to a loan confirmation webpage for the loan related party to confirm the loan data according to at least part of the loan data included in the web site generation request The loan confirmation website and return the loan confirmation website to the bank server.
該銀行伺服器接收到該貸款確認網址後，產生一包含該貸款確認網址及該貸款主借人所相關的該通訊資料的訊息傳送請求給該通訊伺服器，該訊息傳送請求使該通訊伺服器根據該訊息傳送請求所包含的該貸款主借人所相關的該通訊資料，將該貸款確認網址傳送給該第一終端電子裝置，供該第一終端電子裝置根據該貸款主借人的操作將該貸款確認網址傳送給該第二終端電子裝置，並供該第二終端電子裝置根據該貸款確認網址顯示該貸款確認網頁，並根據該貸款關係人的操作回傳一相關於該貸款資料的貸款確認資料給該銀行伺服器。After receiving the loan confirmation website, the bank server generates a message transmission request containing the loan confirmation website and the communication data related to the loan principal and borrower to the communication server, and the message transmission request causes the communication server According to the communication data related to the loan principal and borrower included in the message transmission request, the loan confirmation website is transmitted to the first terminal electronic device, so that the first terminal electronic device will, according to the operation of the loan principal and borrower The loan confirmation website is transmitted to the second terminal electronic device, and the second terminal electronic device displays the loan confirmation webpage according to the loan confirmation website, and returns a loan related to the loan data according to the operation of the loan related person Confirm the information to the bank server.
在一些實施態樣中，該銀行伺服器還儲存相關於該貸款關係人的一第二身分驗證資料，該銀行伺服器接收到來自該第二終端電子裝置的該貸款確認資料包含相關於該貸款關係人的一第二待驗證資料，該銀行伺服器判斷該第二待驗證資料與該貸款關係人所相關的該第二身分驗證資料相符時，該銀行伺服器儲存該貸款確認資料所相關的該貸款資料。In some implementation forms, the bank server also stores a second identity verification data related to the loan related person, the bank server receives the loan confirmation data from the second terminal electronic device contains the loan related data A second to-be-verified data of the related person, when the bank server judges that the second to-be-verified data is consistent with the second identity verification data related to the loan related person, the bank server stores the information related to the loan confirmation data The loan information.
在一些實施態樣中，所述的線上貸款申請系統還能與一驗證伺服器通訊，該驗證伺服器儲存一相關於一貸款關係人的身分資料，該銀行伺服器接收到來自該第二終端電子裝置的該貸款確認資料包含相關於該貸款關係人的一第二待驗證資料，並傳送一包含該第二待驗證資料的驗證請求給該驗證伺服器，使該驗證伺服器根據該第二待驗證資料與該第二待驗證資料所相關的該貸款關係人所相關的該身分資料產生一驗證結果並將該驗證結果回傳給該銀行伺服器。In some implementation forms, the online loan application system can also communicate with a verification server, the verification server stores an identity data related to a loan relationship, and the bank server receives the data from the second terminal The loan confirmation data of the electronic device includes a second to-be-verified data related to the loan-related person, and sends a verification request containing the second to-be-verified data to the verification server, so that the verification server can perform verification based on the second The identity data related to the loan related person related to the second data to be verified generates a verification result and returns the verification result to the bank server.
當該銀行伺服器接收該驗證結果並判斷出該驗證結果指示該第二待驗證資料與該第二待驗證資料所相關的該貸款關係人所相關的該身分資料相符時，該銀行伺服器儲存該貸款確認資料所相關的該貸款資料。When the bank server receives the verification result and determines that the verification result indicates that the second data to be verified matches the identity data related to the loan related person related to the second data to be verified, the bank server stores The loan information related to the loan confirmation information.
在一些實施態樣中，該通訊資料包含一相關於該第一終端電子裝置的電話號碼，及一相關於該貸款主借人的電子郵件帳號。In some embodiments, the communication data includes a phone number related to the first terminal electronic device and an email account related to the loan principal and borrower.
本新型之功效在於：本新型之線上申請貸款系統，透過該銀行伺服器產生該貸款申請網址並傳送該貸款申請網址給該第一終端電子裝置，供該第一終端電子裝置透過該貸款申請網址回傳該貸款資料，供該銀行伺服器將包含該貸款資料其中至少部分者的該網址產生請求傳送給該網址產生伺服器，進而使該網址產生伺服器產生該貸款確認網址，此外，透過該銀行伺服器傳送包含該貸款確認網址的該訊息傳送請求給該通訊伺服器，使該通訊伺服器根據該訊息傳送請求所包含的該通訊資料，將該貸款確認網址傳送給該第一終端電子裝置，供該第一終端電子裝置將該貸款確認網址傳送給該第二終端電子裝置，並供該第二終端電子裝置根據該貸款確認網址回傳相關於該貸款資料的該貸款確認資料給該銀行伺服器，進而使該貸款相關人能直接透過該第二終端電子裝置確認由該貸款主借人所發起的該貸款資料。The function of the new model is that the online loan application system of the new model generates the loan application website through the bank server and transmits the loan application website to the first terminal electronic device for the first terminal electronic device to use the loan application website Return the loan data for the bank server to send the URL generation request containing at least part of the loan data to the URL generation server, so that the URL generation server generates the loan confirmation URL, in addition, through the The bank server transmits the message transmission request including the loan confirmation website to the communication server, so that the communication server transmits the loan confirmation website to the first terminal electronic device according to the communication data included in the message transmission request , For the first terminal electronic device to transmit the loan confirmation website to the second terminal electronic device, and for the second terminal electronic device to return the loan confirmation data related to the loan data to the bank according to the loan confirmation website The server further enables the loan related person to directly confirm the loan information initiated by the loan principal and borrower through the second terminal electronic device.
參閱圖1，本新型之線上貸款申請系統10的一實施例，能透過一通訊網路200（例如為一網際網路）與一通訊伺服器20、一第一終端電子裝置30、一第二終端電子裝置40，及一驗證伺服器50通訊。Referring to FIG. 1, an embodiment of the new online
該通訊伺服器20例如為一銀行內部之用於傳送訊息的主機，且可透過該通訊網路200並藉由手機簡訊或電子郵件傳輸訊息給該銀行之用戶的伺服器。The
該第一終端電子裝置30例如為一智慧型手機，且供一貸款主借人操作。該第二終端電子裝置40例如為一智慧型手機，且供一貸款關係人操作，且能透過該通訊網路200與該第一終端電子裝置30通訊。The first terminal
該驗證伺服器50例如為他行財金驗證核身伺服器，供該銀行進行相關於非該銀行之用戶的身分驗證，且儲存一相關於一貸款關係人的身分資料。The
該線上貸款申請系統10包含一銀行伺服器11，及一電耦接於該銀行伺服器11的網址產生伺服器12。該銀行伺服器11例如為該銀行內部之一主機。該網址產生伺服器12用以將一資訊加密於一網址中，且一終端電子裝置可透過對應於該網址的一網頁顯示該資訊。The online
參閱圖1及圖2，以下說明該實施例之一線上貸款申請程序的步驟。Referring to FIGS. 1 and 2, the steps of the online loan application procedure in one embodiment of this embodiment are described below.
如步驟S1所示，該銀行伺服器11在接收到來自於該第一終端電子裝置30且相關於該貸款主借人的一第一待驗證資料，更明確地，該第一終端電子裝置30根據該貸款主借人的操作，顯示一對應於一用於供該貸款主借人輸入該待驗證資料的驗證網址的驗證網頁，並在獲取該第一待驗證資料後，將該第一待驗證資料透過該驗證網址傳送給該銀行伺服器11。該第一待驗證資料例如為相關於該貸款主借人的身份證字號及生日資料。接著執行步驟S2。As shown in step S1, the
如步驟S2所示，該銀行伺服器11判斷該第一待驗證資料與相關於該第一待驗證資料的該使用者所相關的該第一身分驗證資料相符後，接著執行步驟S3，若否，則結束此線上貸款流程。As shown in step S2, the
如步驟S3所示，該銀行伺服器11產生對應於供該使用者輸入一相關於貸款且包含一貸款金額的貸款資料的一貸款申請網頁的一貸款申請網址。舉例來說，若該貸款資料相關於一房屋貸款，則該貸款資料除了包含一貸款金額外，還包含相關於一房屋的一房屋資訊，該房屋資訊包含相關於該房屋的一房屋位址資訊及屋齡資訊，但不以上述資訊為限。接著執行步驟S4。As shown in step S3, the
如步驟S4所示，在該銀行伺服器11產生該貸款申請網址後，該銀行伺服器11將該貸款申請網址傳送給該第一終端電子裝置30，使該第一終端電子裝置30顯示該貸款申請網頁。該第一終端電子裝置30顯示該貸款申請網頁後，供該貸款主借人輸入該貸款資料，並在獲取該貸款資料後，將該貸款資料透過該貸款申請網址傳送給該銀行伺服器11。接著執行步驟S5。As shown in step S4, after the
如步驟S5所示，該銀行伺服器11在接收到來自該第一終端電子裝置30的該貸款資料後，產生一包含該貸款資料其中至少部分者的網址產生請求，並將該網址產生請求傳送給該網址產生伺服器12。接著執行步驟S6。As shown in step S5, after receiving the loan data from the first terminal
如步驟S6及S7所示，該網址產生伺服器12接收到該網址產生請求後，根據該網址產生請求所包含的該貸款資料其中至少部分者，產生對應於用以供該貸款關係人確認該貸款資料的一貸款確認網頁的一貸款確認網址，並將該貸款確認網址回傳給該銀行伺服器11。承接前例，該網址產生請求可使該網址產生伺服器12僅根據該貸款資料的貸款金額產生該貸款確認網址，也可使該網址產生伺服器12根據該貸款資料所包含的該貸款金額及該房屋資訊產生該貸款確認網址。接著執行步驟S8。As shown in steps S6 and S7, after receiving the web site generation request, the web
如步驟S8及S9所示，該銀行伺服器11接收到該貸款確認網址後，產生一包含該貸款確認網址及該貸款主借人所相關的該通訊資料的訊息傳送請求給該通訊伺服器20。該訊息傳送請求使該通訊伺服器20根據該訊息傳送請求所包含的該貸款主借人所相關的該通訊資料，將該貸款確認網址傳送給該第一終端電子裝置30。該通訊伺服器20會根據接收到的該訊息傳送請求所包含的該通訊資料包含一相關於該第一終端電子裝置的電話號碼及一相關於該貸款主借人的電子郵件帳號，傳送該貸款確認網址給該第一終端電子裝置30。接著執行步驟S10。As shown in steps S8 and S9, after receiving the loan confirmation website, the
如步驟S10所示，該第一終端電子裝置30在接收到該貸款確認網址後，將該貸款確認網址可透過該通訊網路200，並藉由簡訊、通訊軟體、或電子郵件的方式傳送給該第二終端電子裝置40。接著執行步驟S11。As shown in step S10, after receiving the loan confirmation website, the first terminal
如步驟S11所示，該第二終端電子裝置40根據該貸款確認網址顯示該貸款確認網頁，並根據該貸款關係人的操作回傳一相關於該貸款資料的貸款確認資料給該銀行伺服器11。該貸款確認資料包含相關於該貸款關係人的一第二待驗證資料。該第二待驗證資料例如為相關於該貸款關係人的一身分證字號、一生日資料，及對應於該第二終端電子裝置40的一手機號碼。接著執行步驟S12。As shown in step S11, the second terminal
如步驟S12所示，該銀行伺服器11在接收到該貸款確認資料後，判斷是否儲存有相關於該貸款關係人的一第二身分驗證資料，若有，則執行步驟13，若無，則執行步驟S14。As shown in step S12, after receiving the loan confirmation data, the
如步驟S13所示，當該銀行伺服器11儲存有相關於該貸款關係人的該第二身分驗證資料時，且該銀行伺服器11判斷該第二待驗證資料與該貸款關係人所相關的該第二身分驗證資料相符時，該銀行伺服器11儲存該貸款確認資料所相關的該貸款資料，以完成該線上貸款申請程序。As shown in step S13, when the
如步驟S14所示，當該銀行伺服器11未儲存有相關於該貸款關係人的該第二身分驗證資料時，該銀行伺服器11傳送一包含該第二待驗證資料的驗證請求給該驗證伺服器50。接著執行步驟S15。As shown in step S14, when the
如步驟S15及16所示，該驗證伺服器50根據該第二待驗證資料與該第二待驗證資料所相關的該貸款關係人所相關的該身分資料產生一驗證結果並將該驗證結果回傳給該銀行伺服器11。當該銀行伺服器11接收該驗證結果並判斷出該驗證結果指示該第二待驗證資料與該第二待驗證資料所相關的該貸款關係人所相關的該身分資料相符時，該銀行伺服器11儲存該貸款確認資料所相關的該貸款資料。As shown in steps S15 and 16, the
進一步地，當該銀行伺服器11判斷該第二待驗證資料與該貸款關係人所相關的該第二身分驗證資料相符時，或當該銀行伺服器11接收該驗證結果並判斷出該驗證結果指示該第二待驗證資料與該第二待驗證資料所相關的該貸款關係人所相關的該身分資料相符時，該銀行伺服器11會產生一一次性密碼（One-Time Password）並透過該通訊伺服器20傳送該一次性密碼給該第二終端電子裝置40。當該第二終端電子裝置40接收到該一次性密碼時，該第二終端電子裝置40回傳一相關於該一次性密碼的待驗證密碼給該銀行伺服器11。該銀行伺服器11在接收到該待驗證密碼後，且判斷該一次性密碼與該待驗證密碼相符後，該銀行伺服器11才儲存該貸款確認資料所相關的該貸款資料，以完成該線上貸款申請程序。Further, when the
在本實施例的另一實施態樣中，該銀行伺服器11在接收到該貸款資料後，該銀行伺服器11會將該貸款資料傳送給一貸款徵審主機（圖未示，該銀行內部用於處理貸款作業的伺服器），且該網址產生伺服器12是根據對應於該貸款資料的一貸款對應資料（例如為該貸款資料的編號）產生該貸款確認網址。In another implementation form of this embodiment, after the
當該第二終端電子裝置40在接收到該貸款確認網址後，且獲取一相關於該貸款確認網址的輸入時，該第二終端電子裝置40根據該貸款確認網址傳送一包含該貸款對應資料的貸款確認請求給該貸款徵審主機，該貸款徵審主機便根據該貸款確認請求所包含的該貸款對應資料所對應的該貸款資料產生一對應於一關係人確認網頁的關係人確認網址，並將該關係人確認網址傳送給該第二終端電子裝置40。When the second terminal
該第二終端電子裝置40在接收到該關係人確認網址後，顯示該關係人確認網頁，並根據該貸款關係人的操作回傳相關於該貸款資料的該貸款確認資料給該貸款徵審主機。After receiving the related party confirmation website, the second terminal
綜上所述，本新型之線上申請貸款系統，透過該銀行伺服器11產生該貸款申請網址並傳送該貸款申請網址給該第一終端電子裝置30，供該第一終端電子裝置30透過該貸款申請網址回傳該貸款資料，供該銀行伺服器11將包含該貸款資料其中至少部分者的該網址產生請求傳送給該網址產生伺服器12，進而使該網址產生伺服器12產生該貸款確認網址，此外，透過該銀行伺服器11傳送包含該貸款確認網址的該訊息傳送請求給該通訊伺服器20，使該通訊伺服器20根據該訊息傳送請求所包含的該通訊資料，將該貸款確認網址傳送給該第一終端電子裝置30，供該第一終端電子裝置30將該貸款確認網址傳送給該第二終端電子裝置40，並供該第二終端電子裝置40根據該貸款確認網址回傳相關於該貸款資料的該貸款確認資料給該銀行伺服器11，進而使該貸款相關人能直接透過該第二終端電子裝置40確認由該貸款主借人所發起的該貸款資料。因此，確實能達成本新型提升貸款申請之效率的目的。In summary, the new online loan application system generates the loan application website through the
惟以上所述者，僅為本新型之實施例而已，當不能以此限定本新型實施之範圍，凡是依本新型申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾，皆仍屬本新型專利涵蓋之範圍內。However, the above are only examples of the new model. When the scope of the new model cannot be limited by this, any simple equivalent changes and modifications made according to the patent application scope and patent specification content of the new model are still regarded as Within the scope of this new patent.
10‧‧‧線上貸款申請系統
11‧‧‧銀行伺服器
12‧‧‧網址產生伺服器
20‧‧‧通訊伺服器
30‧‧‧第一終端電子裝置
40‧‧‧第二終端電子裝置
50‧‧‧驗證伺服器
200‧‧‧通訊網路
S1～S16‧‧‧步驟10‧‧‧Online
本新型之其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中： 圖1是本新型之線上貸款申請系統的一硬體連接示意圖；及 圖2（2A、2B、2C）是該實施例的一流程圖，說明該實施例的一線上貸款申請程序之步驟。 Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a schematic diagram of a hardware connection of the new online loan application system; and Figure 2 (2A, 2B, 2C) is a flowchart of this embodiment, illustrating the steps of an online loan application procedure of this embodiment.
10‧‧‧線上貸款申請系統 10‧‧‧Online loan application system
11‧‧‧銀行伺服器 11‧‧‧Bank server
12‧‧‧網址產生伺服器 12‧‧‧ URL generation server
20‧‧‧通訊伺服器 20‧‧‧Communication server
30‧‧‧第一終端電子裝置 30‧‧‧ First electronic device
40‧‧‧第二終端電子裝置 40‧‧‧Second terminal electronic device
50‧‧‧驗證伺服器 50‧‧‧Verification server
200‧‧‧通訊網路 200‧‧‧Communication network
Claims (4)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW108214089U TWM590738U (en) | 2019-10-25 | 2019-10-25 | Online loan application system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW108214089U TWM590738U (en) | 2019-10-25 | 2019-10-25 | Online loan application system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| TWM590738U true TWM590738U (en) | 2020-02-11 |
Family
ID=70414709
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW108214089U TWM590738U (en) | 2019-10-25 | 2019-10-25 | Online loan application system |
Country Status (1)
| Country | Link |
|---|---|
| TW (1) | TWM590738U (en) |
-
2019
- 2019-10-25 TW TW108214089U patent/TWM590738U/en unknown
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