TWM591221U - Loan repayment reminder system - Google Patents

Abstract

The present disclosure provides a loan repayment reminder system including a server and an electronic device coupled to the server. The server transmits a message including a hyperlink to the electronic device at a time point before a loan repayment date corresponding to an account, wherein the electronic device corresponds to a default phone number and the default phone number corresponds to the account and an identification recognition code. The electronic device receives a click operation of the hyperlink to login to a verification platform and receives a phone number input on the verification platform. When the phone number input is same with the default phone number, the server transmits a password to the electronic device corresponding to the default phone number. The electronic device receives a password input and an identification recognition code input on the verification platform. When the password input is same with the password and the identification recognition code input is same with the identification recognition code, the server transmits a bar code to the electronic device.

Description

Loan repayment reminder system

This disclosure is about a loan repayment reminder system, and in particular about a loan repayment reminder system to avoid delayed payment by customers.

Generally, when a customer makes a loan (for example, a mortgage) with a bank, the customer must pay the loan to the bank regularly every month. When the customer has not completed the payment within the loan repayment period, there will be a penalty. Therefore, how to assist customers to complete the payment before the loan repayment period is the goal that those skilled in the art should devote themselves to.

This disclosure provides a loan repayment reminder system, which can prevent customers from delaying payment and incurring liquidated damages.

This disclosure proposes a loan repayment reminder system, which includes a server and an electronic device coupled to the server. The server sends a message including a hyperlink to the electronic device at a time before the loan repayment date of the corresponding account, where the electronic device corresponds to the preset phone number and the preset phone number corresponds to the account number and identity code. The electronic device receives the click operation of the hyperlink to log in to the verification platform of the server and receives the phone number input on the verification platform. When the phone number input is the same as the preset phone number, the server sends the password to the electronic device corresponding to the preset phone number. The electronic device receives the password input and the identity code input on the verification platform. When the password input is the same as the password and the ID code input is the same as the ID code, the server sends the barcode to the electronic device.

In an embodiment of the present disclosure, the above hyperlink further includes a text message, and the text message includes reminder repayment content.

In an embodiment of the present disclosure, the electronic device includes a user identity module card corresponding to a preset telephone number.

In an embodiment of the present disclosure, the verification platform is a verification webpage or a verification application.

In an embodiment of the present disclosure, the above password is a one-time password.

In an embodiment of the present disclosure, the password has an expiration time.

In an embodiment of the present disclosure, when the electronic device receives the password input and the identity code input on the verification platform after the expiration time, and the password input is the same as the password and the identity code input is the same as the identity code, the server Send password expiration warning and do not send barcode to electronic device.

In an embodiment of the present disclosure, the barcode is a one-dimensional barcode or a quick response code.

In an embodiment of the present disclosure, the above barcode includes account information and repayment amount information of the account.

In an embodiment of the present disclosure, when the server receives the payment completion notification of the corresponding account, the server sends a payment completion notification message to the electronic device.

Based on the above, the disclosed loan repayment reminder system will send a message including a hyperlink to the lender's electronic device before the loan repayment date. The lender clicks on the hyperlink to log in to the verification platform of the server and enter the phone number on the verification platform. When the phone number verification is successful, the server sends the one-time password to the electronic device corresponding to the phone number. Then, the lender can enter the password and identity code on the verification platform. When the password and ID verification are successful, the server will send a barcode including account information and repayment amount information to the electronic device. The lender can carry out loan payment with the above barcode.

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

FIG. 1 is a block diagram of a loan repayment reminder system according to an embodiment of the present disclosure.

Referring to FIG. 1, the loan repayment reminder system 100 according to an embodiment of the present disclosure includes a server 110 and an electronic device 120. The electronic device 120 is coupled to the server 110. The server 110 is, for example, a bank server and the electronic device 120 is, for example, a smart phone or a tablet computer held by a lender. The electronic device 120 is coupled to the server 110 through wired or wireless communication. When the server 110 determines that the loan repayment date of the lender is about to expire, the server 110 can provide a reminder function and a verification platform (for example, a verification webpage or verification application) for the lender to obtain the payment barcode after passing the verification through the verification platform , And use the payment barcode to repay the loan. In this way, it is possible to avoid the late payment of loans by the lender and incur liquidated damages.

In one embodiment, the server 110 transmits a message including a hyperlink to the electronic device 120 at a time point (eg, one week before the repayment date) corresponding to the loan repayment date of the corresponding account number (ie, the lender's bank loan account number). The message can be a text message and further include a text message with reminder repayment content, which can be ignored if the lender has paid the fee. The electronic device 120 corresponds to a preset phone number and the preset phone number corresponds to an account number and an identity identification code (for example, an ID number). The electronic device 120 includes a subscriber identity module (SIM) card corresponding to a preset phone number. The preset phone number is, for example, the lender’s mobile phone number and the bank stores the lender’s mobile phone number, loan account number, and ID card number. The electronic device 120 receives the lender's click operation on the hyperlink to log in to the verification platform of the server 110 and receives the lender's input phone number on the verification platform. When the phone number entered by the lender is the same as the preset phone number, the server 110 transmits the password to the electronic device 120 corresponding to the preset phone number, that is, the electronic device 120 held by the lender. After the phone number verification is successful, the electronic device 120 receives the lender's password input and identity code input on the verification platform. When the password input is the same as the password and the identity code input is the same as the identity code, the server 110 transmits a barcode (for example, a one-dimensional barcode or quick response code) to the electronic device 120. Since the barcode includes the account number information and repayment amount information of the account number, the lender can carry the above barcode to the payment office (for example, a super merchant) to pay the fee. When the lender completes the payment, the server 110 receives the payment completion notification of the corresponding account and sends a payment completion notification message to the electronic device 120.

Although the above embodiment describes the double authentication through the one-time password and the ID number, the disclosure is not limited to this. In another embodiment, the server 110 can also verify by only one of the one-time password or the ID number, and send the barcode after the verification is successful.

In one embodiment, the above password is, for example, a One Time Password (OTP) and has an expiration time (for example, ten minutes). When the electronic device 120 receives the password input and the identity code input on the verification platform after the expiration time, and the password input is the same as the password and the identity code input is the same as the identity code, the server 110 sends a password expiration warning and does not Send the barcode to the electronic device 120. In other words, even if the correct password and identity code are entered after the expiration time, the verification barcode cannot be obtained and the payment barcode cannot be obtained.

In summary, the disclosed loan repayment reminder system will send a message including a hyperlink to the lender's electronic device before the loan repayment date. The lender clicks on the hyperlink to log in to the verification platform of the server and enter the phone number on the verification platform. When the phone number verification is successful, the server sends the one-time password to the electronic device corresponding to the phone number. Then, the lender can enter the password and identity code on the verification platform. When the password and ID verification are successful, the server will send a barcode including account information and repayment amount information to the electronic device. The lender can carry out loan payment with the above barcode.

Although this disclosure has been disclosed as above with examples, it is not intended to limit this disclosure. Anyone who has ordinary knowledge in the technical field should make some changes and retouching without departing from the spirit and scope of this disclosure. The scope of protection disclosed in this disclosure shall be subject to the scope defined in the appended patent application.

100‧‧‧ Loan Repayment Reminder System 110‧‧‧Server 120‧‧‧Electronic device

FIG. 1 is a block diagram of a loan repayment reminder system according to an embodiment of the present disclosure.

100‧‧‧ Loan Repayment Reminder System

110‧‧‧Server

120‧‧‧Electronic device

Claims (10)

A loan repayment reminding system, including: A server; and An electronic device coupled to the server, wherein The server transmits a message including a hyperlink to the electronic device at a point in time before a loan repayment date corresponding to an account number, wherein the electronic device corresponds to a preset phone number and the preset phone number corresponds to the account number And an identity code; The electronic device receives a click operation of the hyperlink to log in to a verification platform of the server and receives a phone number input on the verification platform; When the phone number input is the same as the preset phone number, the server sends a password to the electronic device corresponding to the preset phone number; The electronic device receives a password input and an identity code input on the verification platform; and When the password input is the same as the password and the identity code input is the same as the identity code, the server sends a code to the electronic device. The loan repayment reminding system as described in item 1 of the patent application scope, wherein the hyperlink also includes a text message, and the text message includes a reminder repayment content. The loan repayment reminding system as described in item 1 of the patent application scope, wherein the electronic device includes a user identity module card corresponding to a preset telephone number. The loan repayment reminding system as described in item 1 of the patent application scope, wherein the verification platform is a verification webpage or a verification application. The loan repayment reminding system as described in item 1 of the patent application scope, wherein the password is a one-time password. The loan repayment reminding system as described in item 5 of the patent application scope, wherein the password has an expiration time. The loan repayment reminding system as described in item 6 of the patent application scope, wherein when the electronic device receives the password input and the identity code input on the verification platform after the expiration time, and the password input and the password When they are the same and the ID input is the same as the ID, the server sends a password expiration warning and does not send the barcode to the electronic device. The loan repayment reminding system as described in item 1 of the patent application scope, wherein the barcode is a one-dimensional barcode or a quick response code. The loan repayment reminding system as described in item 1 of the patent application scope, wherein the barcode includes an account number information and a repayment amount information of the account number. The loan repayment reminding system as described in item 1 of the patent application scope, wherein when the server receives a payment completion notification corresponding to the account number, the server sends a payment completion notification message to the electronic device.

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