TWM613489U - Online loan real-time identity verification system - Google Patents
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Abstract
一種線上貸款即時對保系統,電子裝置透過台灣行動身分識別機制讓銀行伺服器對電子裝置進行識別,銀行伺服器依據貸款申請資訊核定出核貸金額時,透過視訊與貸款申請企業聯繫以紀錄為KYC資訊,依據KYC資訊再配合企金授信管理系統的注意事項資訊生成對保資訊以提供給電子裝置,當對保資訊中對保超連結被觸發時,電子裝置自銀行伺服器取得對保頁面以及一次性密碼,電子裝置再提供一次性密碼、具有負責人的視訊以及具有保證人的視訊至銀行伺服器以對具有負責人的視訊進行錄製為負責人影片以及對具有保證人的視訊進行錄製為保證人影片,當一次性密碼驗證成功時對應儲存對保資訊、負責人影片以及保證人影片以完成對保,藉此可以達成提供線上貸款申請即時對保的技術功效。 An online loan real-time guarantee system. The electronic device allows the bank server to identify the electronic device through the Taiwan mobile identity recognition mechanism. When the bank server verifies the loan amount based on the loan application information, it contacts the loan application company through video to record the information. KYC information, based on the KYC information and the note information of the enterprise financial credit management system, generates the insurance information to provide to the electronic device. When the insurance hyperlink in the insurance information is triggered, the electronic device obtains the insurance page from the bank server And the one-time password, the electronic device provides the one-time password, the video with the person in charge, and the video with the guarantor to the bank server to record the video with the person in charge as the person in charge video and the video with the guarantor as the guarantor Video, when the one-time password verification is successful, the guarantee information, the video of the person in charge, and the video of the guarantor are correspondingly stored to complete the guarantee, so as to achieve the technical effect of providing online loan application real-time guarantee.
Description
一種資料確認與貸款對保系統,尤其是指一種依據KYC進行貸款申請資料即時確認以提供電子裝置對保資訊與對保頁面進行即時貸款對保的線上貸款申請資料即時確認與對保系統的系統。A data confirmation and loan guarantee system, especially a system for real-time confirmation of loan application data based on KYC to provide electronic device guarantee information and guarantee page for real-time loan guarantee online loan application data real-time confirmation and guarantee system .
為因應金融數位化趨勢,落實普惠金融,提供企業於線上進行申貸將是目前發展的方向,在線上貸款申請中,確認申請貸款資料的正確性為非常重要的一環過程,除此之外,對於線上貸款申請的程序中,貸款的對保仍需要臨櫃進行,這無疑也會造成線上貸款申請的便利性不足,故如何解決申請貸款資料確認正確性以及如何進行線上貸款對保則是本創作著重的重點。In response to the trend of financial digitization and the implementation of inclusive finance, providing companies with online loan application will be the current development direction. In online loan application, confirming the correctness of the loan application information is a very important part of the process. In addition, For the online loan application process, the loan guarantee still needs to be done at the counter, which will undoubtedly cause the lack of convenience of online loan application, so how to solve the problem of confirming the correctness of the application loan information and how to carry out the online loan guarantee The focus of creation.
綜上所述,可知先前技術中長期以來一直存在線上貸款申請資料驗證繁瑣以及不具備線上即時貸款對保的問題,因此有必要提出改進的技術手段,來解決此一問題。To sum up, it can be seen that in the prior art, there have been problems of cumbersome online loan application data verification and lack of online instant loan guarantee for a long time. Therefore, it is necessary to propose improved technical means to solve this problem.
有鑒於先前技術存在線上貸款申請資料驗證繁瑣以及不具備線上即時貸款對保的問題,本創作遂揭露一種線上貸款即時對保系統,其中:In view of the cumbersome verification of online loan application data and the lack of online real-time loan guarantee in the prior art, this creation reveals an online loan real-time guarantee system, in which:
本創作所揭露的線上貸款即時對保系統,其包含:銀行伺服器以及電子裝置,銀行伺服器更包含:伺服器接收模組、核貸模組、語音紀錄模組、資訊生成模組、頁面生成模組、錄影模組、資料儲存模組以及伺服器傳送模組。The online loan real-time guarantee system disclosed in this creation includes: a bank server and an electronic device. The bank server further includes: a server receiving module, a loan verification module, a voice recording module, an information generating module, and a page Generation module, recording module, data storage module and server transmission module.
銀行伺服器的伺服器接收模組是用以接收連結請求,以及接收一次性密碼(one-time password, OTP);銀行伺服器的核貸模組是用以依據貸款申請資訊核定出核貸金額;銀行伺服器的語音紀錄模組是用以依據所述貸款申請資訊中聯繫資訊透過視訊與貸款申請企業聯繫並確認貸款申請資訊、核貸金額、核貸利率、貸款期間以及撥款日期以紀錄為KYC資訊;銀行伺服器的資訊生成模組是用以依據KYC資訊再配合企金授信管理系統的系統內部注意事項資訊以及透過企金授信管理系統導入外部注意事項資訊以生成對保資訊,對保資訊包含有對保超連結;銀行伺服器的頁面生成模組是當伺服器接收模組接收到連結請求時,依據對保資訊生成對保頁面以及生成一次性密碼;錄影模組是用以對具有負責人的視訊進行錄製為負責人影片,以及對具有保證人的視訊進行錄製為保證人影片;銀行伺服器的資料儲存模組是當伺服器接收模組接收到的一次性密碼驗證成功時,對應儲存對保資訊、負責人影片以及保證人影片以完成對保;及銀行伺服器的伺服器傳送模組是用以依據貸款申請資訊中聯繫資訊以推播方式傳送對保資訊,傳送對保頁面以及所述一次性密碼。The server receiving module of the bank server is used to receive connection requests and one-time password (OTP); the bank server's loan approval module is used to verify the loan amount based on the loan application information ; The voice record module of the bank server is used to contact the loan application company via video based on the contact information in the loan application information and confirm the loan application information, loan amount, loan interest rate, loan period, and grant date to record as KYC information; the information generation module of the bank server is used to cooperate with the internal precautions information of the enterprise financial credit management system based on the KYC information and to import external precautions information through the enterprise financial credit management system to generate guarantee information. The information contains a security hyperlink; the page generation module of the bank server generates a security page and a one-time password based on the security information when the server receiving module receives a link request; the video module is used to The video with the person in charge is recorded as the person in charge video, and the video with the guarantor is recorded as the guarantor video; the data storage module of the bank server is when the one-time password received by the server receiving module is successfully verified. Store the guarantee information, the video of the person in charge, and the guarantor video to complete the guarantee; and the server transmission module of the bank server is used to send the guarantee information by push according to the contact information in the loan application information, and send the guarantee page and The one-time password.
電子裝置透過台灣行動身分識別(FIDO)機制讓銀行伺服器對電子裝置進行識別,電子裝置自伺服器傳送模組以推播方式接收對保資訊並加以顯示,當對保資訊中對保超連結被觸發時,電子裝置傳送連結請求至伺服器接收模組,電子裝置再自伺服器傳送模組接收反饋的對保頁面加以顯示,同時自銀行伺服器取得一次性密碼,於對保頁面中提供一次性密碼至伺服器接收模組,以及於對保頁面中提供具有負責人的視訊以及具有保證人的視訊至錄影模組。The electronic device uses the Taiwan Mobile Identity (FIDO) mechanism to allow the bank server to identify the electronic device. The electronic device receives and displays the security information from the server transmission module in a push broadcast mode. When the security information is hyperlinked to the security information When triggered, the electronic device sends a connection request to the server receiving module, and the electronic device receives the feedback from the server sending module to display the guarantee page, and at the same time obtains the one-time password from the bank server, and provides it in the guarantee page The one-time password is sent to the server receiving module, and the video with the person in charge and the video with the guarantor are provided to the recording module on the guarantee page.
本創作所揭露的系統如上,與先前技術之間的差異在於電子裝置透過台灣行動身分識別機制讓銀行伺服器對電子裝置進行識別,銀行伺服器依據貸款申請資訊核定出核貸金額時,透過視訊與貸款申請企業聯繫並確認貸款申請資訊、核貸金額、核貸利率、貸款期間以及撥款日期以紀錄為KYC資訊,依據KYC資訊再配合企金授信管理系統的系統內部注意事項資訊以及透過企金授信管理系統導入外部注意事項資訊生成對保資訊以提供給電子裝置,當顯示於電子裝置的對保資訊中對保超連結被觸發時,電子裝置自銀行伺服器取得對保頁面以及一次性密碼,電子裝置於對保頁面中提供一次性密碼、具有負責人的視訊以及具有保證人的視訊至銀行伺服器,銀行伺服器對具有負責人的視訊進行錄製為負責人影片,以及對具有保證人的視訊進行錄製為保證人影片,當銀行伺服器對一次性密碼驗證成功時,對應儲存對保資訊、負責人影片以及保證人影片以完成對保。The system disclosed in this creation is as above. The difference between the system and the previous technology is that the electronic device allows the bank server to identify the electronic device through the Taiwan mobile identification mechanism. When the bank server verifies the loan amount based on the loan application information, it uses video Contact the loan application company and confirm the loan application information, loan amount, loan interest rate, loan period, and grant date to record as KYC information, based on KYC information, and then cooperate with the internal precaution information of the enterprise financial credit management system and through enterprise funds The credit management system imports external notice information to generate guarantee information to provide to the electronic device. When the guarantee hyperlink in the guarantee information displayed on the electronic device is triggered, the electronic device obtains the guarantee page and one-time password from the bank server , The electronic device provides the one-time password, the video with the person in charge, and the video with the guarantor in the guarantee page to the bank server. The bank server records the video with the person in charge as the person in charge video and the video with the guarantor. Record as a guarantor video. When the bank server successfully verifies the one-time password, it will correspondingly store the guarantor information, the person-in-charge video, and the guarantor video to complete the guarantee.
透過上述的技術手段,本創作可以達成提供線上貸款申請即時對保的技術功效。Through the above technical means, this creation can achieve the technical effect of providing real-time guarantee for online loan applications.
以下將配合圖式及實施例來詳細說明本創作的實施方式,藉此對本創作如何應用技術手段來解決技術問題並達成技術功效的實現過程能充分理解並據以實施。The following will describe the implementation of this creation in detail with the drawings and embodiments, so as to fully understand and implement the implementation process of how this creation uses technical means to solve technical problems and achieve technical effects.
以下首先要說明本創作所揭露的線上貸款即時對保系統,並請參考「第1A圖」所示,「第1A圖」繪示為本創作線上貸款申請資料即時確認與對保系統的系統方塊圖。The following first explains the online loan real-time guarantee system disclosed by this creation, and please refer to "Figure 1A". "Figure 1A" shows the system block of the real-time confirmation and guarantee system for online loan application data of this creation. Figure.
本創作所揭露的線上貸款即時對保系統,其包含:銀行伺服器20以及電子裝置30,銀行伺服器20更包含:伺服器接收模組21、核貸模組22、語音紀錄模組23、資訊生成模組24、頁面生成模組25、錄影模組26、資料儲存模組27以及伺服器傳送模組28。The online loan real-time guarantee system disclosed in this creation includes: a
銀行伺服器20以及電子裝置30皆為計算設備不同的呈現形式,企業伺服器10偏向著重於計算設備的計算效能、資料分析、資料安全保護以及資料大量儲存…等的性能,電子裝置30偏向著重於計算設備的攜便性,在此僅為舉例說明之,並不以此侷限本創作的應用範疇。The
請參考「第1B圖」所示,「第1B圖」繪示為本創作所提之系統的元件示意圖。Please refer to "Figure 1B". "Figure 1B" shows a schematic diagram of the components of the system proposed for this creation.
本創作所提之計算設備包含但不限於一個或多個處理器601、一個或多個記憶體模組602、及匯流排603等硬體元件,其中,匯流排603可以連接不同的硬體元件。透過所包含之多個硬體元件,計算設備可以載入並執行作業系統,使作業系統在計算設備上運行,也可以執行軟體或程式。計算設備也包含一個外殼609,上述之各個硬體元件設置於外殼內。The computing device mentioned in this creation includes, but is not limited to, one or
本創作所提之計算設備的匯流排603可以包含一種或多個類型,例如包含資料匯流排(data bus)、位址匯流排(address bus)、控制匯流排(control bus)、擴充功能匯流排(expansion bus)、及/或局域匯流排(local bus)等類型的匯流排。計算設備的匯流排包括但不限於並列的工業標準架構(ISA)匯流排、周邊元件互連(PCI)匯流排、視頻電子標準協會(VESA)局域匯流排、以及串列的通用序列匯流排(USB)、快速周邊元件互連(PCI-E)匯流排等。The
本創作所提之計算設備的處理器601與匯流排603耦接。處理器601包含暫存器(Register)組或暫存器空間,暫存器組或暫存器空間可以完全的被設置在處理晶片上,或全部或部分被設置在處理晶片外並經由專用電氣連接及/或經由匯流排耦接至處理器。處理器601可為處理單元、微處理器或任何合適的處理元件。若計算設備為多處理器設備,也就是計算設備包含多個處理器,則計算設備所包含的處理器都相同或類似,且透過匯流排耦接與通訊。處理器601可以解釋一連串的多個指令以進行特定的運算或操作,例如,數學運算、邏輯運算、資料比對、複製/移動資料等,藉以運行作業系統或執行各種程式、模組、及/或元件。The
計算設備的處理器601可以與晶片組耦接或透過匯流排603與晶片組電性連接。晶片組是由一個或多個積體電路(IC)組成,包含記憶體控制器以及周邊輸出入(I/O)控制器,也就是說,記憶體控制器以及周邊輸出入控制器可以包含在一個積體電路內,也可以使用兩個或更多的積體電路實現。晶片組通常提供了輸出入和記憶體管理功能、以及提供多個通用及/或專用暫存器、計時器等,其中,上述之通用及/或專用暫存器與計時器可以讓耦接或電性連接至晶片組的一個或多個處理器存取或使用。The
計算設備的處理器601也可以透過記憶體控制器存取安裝於計算設備上的記憶體模組602和大容量儲存區中的資料。上述之記憶體模組602包含任何類型的揮發性記憶體(volatile memory)及/或非揮發性(non-volatile memory, NVRAM)記憶體,例如靜態隨機存取記憶體(SRAM)、動態隨機存取記憶體(DRAM)、快閃記憶體(Flash)、唯讀記憶體(ROM)等。上述之大容量儲存區可以包含任何類型的儲存裝置或儲存媒體,例如,硬碟機、光碟片、隨身碟(快閃記憶體)、記憶卡(memory card)、固態硬碟(Solid State Disk, SSD)、或任何其他儲存裝置等。也就是說,記憶體控制器可以存取靜態隨機存取記憶體、動態隨機存取記憶體、快閃記憶體、硬碟機、固態硬碟中的資料。The
計算設備的處理器601也可以透過周邊輸出入控制器經由匯流排603與周邊輸出裝置、周邊輸入裝置、通訊介面、以及GPS接收器等周邊裝置或介面連接並通訊。周邊輸入裝置可以是任何類型的輸入裝置,例如鍵盤、滑鼠、軌跡球、觸控板、搖桿等,周邊輸出裝置可以是任何類型的輸出裝置,例如顯示器、印表機等,周邊輸入裝置與周邊輸出裝置也可以是同一裝置,例如觸控螢幕等。通訊介面可以包含無線通訊介面及/或有線通訊介面,無線通訊介面可以包含支援Wi-Fi、Zigbee等無線區域網路、藍牙、紅外線、近場通訊(NFC)、3G/4G/5G等行動通訊網路或其他無線資料傳輸協定的介面,有線通訊介面可為乙太網路裝置、非同步傳輸模式(ATM)裝置、DSL數據機、纜線(Cable)數據機等。處理器601可以週期性地輪詢(polling)各種周邊裝置與介面,使得計算設備能夠透過各種周邊裝置與介面進行資料的輸入與輸出,也能夠與具有上面描述之元件的另一個計算設備進行通訊。The
銀行伺服器20以及電子裝置30所提及的各模組通常是在各自計算設備中的處理器601執行被載入記憶體模組602之特定程式後產生,或是包含在處理器601中。The modules mentioned in the
請再次參考「第1A圖」所示,企業伺服器(圖中未繪示)與銀行伺服器20透過有線傳輸方式或是無線傳輸方式建立連線,前述的有線傳輸方式例如是:電纜網路、光纖網路…等,前述的無線傳輸方式例如是:Wi-Fi、行動通訊網路(例如是:3G、4G、5G…等)…等,在此僅為舉例說明之,並不以此侷限本創作的應用範疇。Please refer to "Figure 1A" again. The enterprise server (not shown in the figure) and the
電子裝置30與銀行伺服器20透過有線傳輸方式或是無線傳輸方式建立連線,並且電子裝置30透過台灣行動身分識別(FIDO)機制讓銀行伺服器20對電子裝置20進行識別,前述的有線傳輸方式例如是:電纜網路、光纖網路…等,前述的無線傳輸方式例如是:Wi-Fi、行動通訊網路(例如是:3G、4G、5G…等)…等,在此僅為舉例說明之,並不以此侷限本創作的應用範疇。The
企業伺服器連線至銀行伺服器20以進行線上貸款申請時,企業伺服器先於銀行伺服器20所提供的使用者頁面輸入通訊資訊,前述的通訊資訊例如是:電子郵件信箱、手機號碼…等,在此僅為舉例說明之,並不以此侷限本創作的應用範疇,銀行伺服器20會再依據通訊資訊以對應的傳輸方式(即電子郵件傳輸方式、簡訊傳輸方式…等,在此僅為舉例說明之,並不以此侷限本創作的應用範疇)提供驗證碼至對應的電子裝置,前述的電子裝置例如是:一般電腦、筆記型電腦、平板電腦、智慧型手機…等,在此僅為舉例說明之,並不以此侷限本創作的應用範疇。When the enterprise server connects to the
企業伺服器即可透過驗證碼進行銀行伺服器20的登入與驗證,接著,企業伺服器即可透過銀行伺服器20所提供的使用者頁面輸入貸款申請資訊,前述的貸款申請資訊包含有:企業名稱、企業統一編號、申請貸款金額、貸款期限、企業變更登記事項資訊(以附加檔案方式提供)、營業人銷售額與稅額申報書(以附加檔案方式提供)以及申報所得稅資訊(以附加檔案方式提供)…等,在此僅為舉例說明之,並不以此侷限本創作的應用範疇,在企業伺服器選擇移送信用保證基金時,銀行伺服器20即可將貸款申請資訊中的企業名稱、企業統一編號…等轉送至信用保證基金。The corporate server can use the verification code to log in and verify the
企業伺服器接收貸款申請資訊,並傳送貸款申請資訊至銀行伺服器20,銀行伺服器20自企業伺服器接收貸款申請資訊,在銀行伺服器20接收到貸款申請資訊時,可進一步透過電子郵件傳輸方式、簡訊傳輸方式…等,在此僅為舉例說明之,並不以此侷限本創作的應用範疇對對應的電子裝置發出通知以讓申請貸款的企業得知銀行確收貸款申請資訊。The enterprise server receives the loan application information and sends the loan application information to the
接著,銀行伺服器20的核貸模組22即可依據貸款申請資訊核定出核貸金額,在銀行伺服器20的核貸模組22依據貸款申請資訊核定出核貸金額時,銀行人員則藉由銀行伺服器20的語音紀錄模組23依據貸款申請資訊中聯繫資訊透過視訊與貸款申請企業聯繫並確認貸款申請資訊、核貸金額、核貸利率、貸款期間以及撥款日期進行認識你的客戶(Know Your Customer,KYC)作業以紀錄為KYC資訊,接著,銀行伺服器20的資訊生成模組24會再依據KYC資訊再配合企金授信管理系統的系統內部注意事項資訊以及透過企金授信管理系統導入外部注意事項資訊以生成對保資訊,對保資訊包含有對保超連結。Then, the
在銀行伺服器20的語音紀錄模組23生成對保資訊時,銀行伺服器20的伺服器傳送模組28即可依據貸款申請資訊中聯繫資訊以推播方式傳送對保資訊至電子裝置30,前述的電子裝置30可以是一般電腦、筆記型電腦、平板電腦、智慧型手機…等,在此僅為舉例說明之,並不以此侷限本創作的應用範疇。When the
電子裝置30自銀行伺服器20的伺服器傳送模組28以推播方式接收對保資訊,電子裝置30在接收對保資訊即可對對保資訊41加以顯示,對保資訊41的示意請參考「第2A圖」所示,「第2A圖」繪示為本創作線上貸款即時對保的對保資訊示意圖,當對保資訊41中對保超連結411被觸發時,電子裝置30即會傳送連結請求至銀行伺服器20。The
銀行伺服器20的伺服器接收模組21即可自電子裝置30接收連結請求,在銀行伺服器20的伺服器接收模組21自電子裝置30接收連結請求時,銀行伺服器20的頁面生成模組25即會依據對保資訊生成對保頁面以及生成一次性密碼。The
在銀行伺服器20的頁面生成模組25依據對保資訊生成對保頁面以及生成一次性密碼時,銀行伺服器20的伺服器傳送模組28將對保頁面以及一次性密碼傳送至電子裝置30,電子裝置30即可自銀行伺服器20的伺服器傳送模組28接收對保頁面以及一次性密碼,電子裝置30即可顯示對保頁面51,對保頁面51的示意請參考「第2B圖」所示,「第2B圖」繪示為本創作線上貸款即時對保的對保頁面示意圖。When the
電子裝置30於對保頁面51中提供一次性密碼至銀行伺服器20的伺服器接收模組21,以及於對保頁面51中提供具有負責人的視訊以及具有保證人的視訊至銀行伺服器20的錄影模組26。The
銀行伺服器20的錄影模組26在自電子裝置30接收具有負責人的視訊以及具有保證人的視訊時,銀行伺服器20的錄影模組26即可對具有負責人的視訊進行錄製為負責人影片,以及對具有保證人的視訊進行錄製為保證人影片。When the
接著,銀行伺服器20的資料儲存模組27會當銀行伺服器20的伺服器接收模組21所接收到的一次性密碼驗證成功時,對應儲存對保資訊、負責人影片以及保證人影片以完成對保。Then, the
接著,以下將以說明本創作的運作,並請同時參考「第3A圖」以及「第3B圖」所示,「第3A圖」以及「第3B圖」繪示為本創作線上貸款申請資料即時確認與對保的方法流程圖。Then, the following will explain the operation of this creation, and please refer to "Figure 3A" and "Figure 3B" at the same time. "Figure 3A" and "Figure 3B" show the creation of online loan application data in real time Flow chart of confirmation and guarantee method.
首先,電子裝置透過台灣行動身分識別(FIDO)機制讓銀行伺服器對電子裝置進行識別(步驟101);接著,銀行伺服器依據貸款申請資訊核定出核貸金額(步驟102);接著,銀行伺服器依據貸款申請資訊中聯繫資訊透過視訊與貸款申請企業聯繫並確認貸款申請資訊、核貸金額、核貸利率、貸款期間以及撥款日期以紀錄為KYC資訊(步驟103);接著,銀行伺服器依據KYC資訊再配合企金授信管理系統的系統內部注意事項資訊以及透過企金授信管理系統導入外部注意事項資訊以生成對保資訊,對保資訊包含有對保超連結(步驟104);接著,銀行伺服器依據貸款申請資訊中聯繫資訊以推播方式傳送對保資訊至對應的電子裝置(步驟105);接著,電子裝置顯示對保資訊(步驟106);接著,當對保資訊中對保超連結被觸發時,電子裝置傳送連結請求至銀行伺服器(步驟107);接著,當銀行伺服器接收到連結請求時,銀行伺服器依據對保資訊生成對保頁面並生成一次性密碼(步驟108);接著,銀行伺服器傳送對保頁面至電子裝置(步驟109);接著,電子裝置顯示對保頁面,同時自銀行伺服器取得一次性密碼(步驟110);接著,電子裝置於對保頁面中提供一次性密碼、具有負責人的視訊以及具有保證人的視訊至銀行伺服器(步驟111);接著,銀行伺服器對具有負責人的視訊進行錄製為負責人影片,以及對具有保證人的視訊進行錄製為保證人影片(步驟112);最後,當銀行伺服器對一次性密碼驗證成功時,對應儲存對保資訊、負責人影片以及保證人影片以完成對保(步驟113)。First, the electronic device uses the Taiwan Mobile Identity (FIDO) mechanism to allow the bank server to identify the electronic device (step 101); then, the bank server verifies the loan amount based on the loan application information (step 102); then, the bank server Based on the contact information in the loan application information, the server contacts the loan application company via video and confirms the loan application information, loan amount, loan interest rate, loan period, and grant date as KYC information (step 103); then, the bank server uses the record as KYC information (step 103). The KYC information then cooperates with the internal notice information of the enterprise financial credit management system and import external notice information through the enterprise financial credit management system to generate guarantee information, which includes a guarantee hyperlink (step 104); then, the bank According to the contact information in the loan application information, the server sends the guarantee information to the corresponding electronic device by push broadcast (step 105); then, the electronic device displays the guarantee information (step 106); When the link is triggered, the electronic device sends a link request to the bank server (step 107); then, when the bank server receives the link request, the bank server generates a security page based on the security information and generates a one-time password (step 108) ); Next, the bank server sends the guarantee page to the electronic device (step 109); then, the electronic device displays the guarantee page, and at the same time obtains the one-time password from the bank server (step 110); then, the electronic device displays the guarantee page Provide a one-time password, a video with a person in charge, and a video with a guarantor to the bank server (step 111); then, the bank server records the video with the person in charge as a video for the person in charge, and performs a video on the video with the guarantor. Record as a guarantor video (step 112); finally, when the bank server successfully verifies the one-time password, it will correspondingly store the guarantee information, the person-in-charge video, and the guarantor video to complete the guarantee (step 113).
綜上所述,可知本創作與先前技術之間的差異在於電子裝置透過台灣行動身分識別機制讓銀行伺服器對電子裝置進行識別,銀行伺服器依據貸款申請資訊核定出核貸金額時,透過視訊與貸款申請企業聯繫並確認貸款申請資訊、核貸金額、核貸利率、貸款期間以及撥款日期以紀錄為KYC資訊,依據KYC資訊再配合企金授信管理系統的系統內部注意事項資訊以及透過企金授信管理系統導入外部注意事項資訊生成對保資訊以提供給電子裝置,當顯示於電子裝置的對保資訊中對保超連結被觸發時,電子裝置自銀行伺服器取得對保頁面以及一次性密碼,電子裝置於對保頁面中提供一次性密碼、具有負責人的視訊以及具有保證人的視訊至銀行伺服器,銀行伺服器對具有負責人的視訊進行錄製為負責人影片,以及對具有保證人的視訊進行錄製為保證人影片,當銀行伺服器對一次性密碼驗證成功時,對應儲存對保資訊、負責人影片以及保證人影片以完成對保。In summary, it can be seen that the difference between this creation and the previous technology is that the electronic device allows the bank server to identify the electronic device through the Taiwan mobile identification mechanism. When the bank server verifies the loan amount based on the loan application information, it uses video Contact the loan application company and confirm the loan application information, loan amount, loan interest rate, loan period, and grant date to record as KYC information, based on KYC information, and then cooperate with the internal precaution information of the enterprise financial credit management system and through enterprise funds The credit management system imports external notice information to generate guarantee information to provide to the electronic device. When the guarantee hyperlink in the guarantee information displayed on the electronic device is triggered, the electronic device obtains the guarantee page and one-time password from the bank server , The electronic device provides the one-time password, the video with the person in charge, and the video with the guarantor in the guarantee page to the bank server. The bank server records the video with the person in charge as the person in charge video and the video with the guarantor. Record as a guarantor video. When the bank server successfully verifies the one-time password, it will correspondingly store the guarantor information, the person-in-charge video, and the guarantor video to complete the guarantee.
藉由此一技術手段可以來解決先前技術所存在線上貸款申請資料驗證繁瑣以及不具備線上即時貸款對保的問題,進而達成提供線上貸款申請即時對保的技術功效。This technical method can solve the problems of cumbersome verification of online loan application data and lack of online loan guarantee in the prior art, thereby achieving the technical effect of providing online loan application real-time guarantee.
雖然本創作所揭露的實施方式如上,惟所述的內容並非用以直接限定本創作的專利保護範圍。任何本創作所屬技術領域中具有通常知識者,在不脫離本創作所揭露的精神和範圍的前提下,可以在實施的形式上及細節上作些許的更動。本創作的專利保護範圍,仍須以所附的申請專利範圍所界定者為準。Although the implementation methods disclosed in this creation are as above, the content described is not used to directly limit the scope of patent protection of this creation. Any person with ordinary knowledge in the technical field to which this creation belongs can make some changes in the form and details of the implementation without departing from the spirit and scope of this creation. The scope of patent protection for this creation shall still be subject to the scope of the attached patent application.
20:銀行伺服器 21:伺服器接收模組 22:核貸模組 23:語音紀錄模組 24:資訊生成模組 25:頁面生成模組 26:錄影模組 27:資料儲存模組 28:伺服器傳送模組 30:電子裝置 41:對保資訊 411:保超連結 51:對保頁面 601:處理器 602:記憶體模組 603:匯流排 609:外殼 步驟 101:電子裝置透過台灣行動身分識別機制讓銀行伺服器對電子裝置進行識別 步驟 102:銀行伺服器依據貸款申請資訊核定出核貸金額 步驟 103:銀行伺服器依據貸款申請資訊中聯繫資訊透過視訊與貸款申請企業聯繫並確認貸款申請資訊、核貸金額、核貸利率、貸款期間以及撥款日期以紀錄為KYC資訊 步驟 104:銀行伺服器依據KYC資訊再配合企金授信管理系統的系統內部注意事項資訊以及透過企金授信管理系統導入外部注意事項資訊以生成對保資訊,對保資訊包含有對保超連結 步驟 105:銀行伺服器依據貸款申請資訊中聯繫資訊以推播方式傳送對保資訊至對應的電子裝置 步驟 106:電子裝置顯示對保資訊 步驟 107:當對保資訊中對保超連結被觸發時,電子裝置傳送連結請求至銀行伺服器 步驟 108:當銀行伺服器接收到連結請求時,銀行伺服器依據對保資訊生成對保頁面並生成一次性密碼 步驟 109:銀行伺服器傳送對保頁面至電子裝置 步驟 110:電子裝置顯示對保頁面,同時自銀行伺服器取得一次性密碼 步驟 111:電子裝置於對保頁面中提供一次性密碼、具有負責人的視訊以及具有保證人的視訊至銀行伺服器 步驟 112:銀行伺服器對具有負責人的視訊進行錄製為負責人影片,以及對具有保證人的視訊進行錄製為保證人影片 步驟 113:當銀行伺服器對一次性密碼驗證成功時,對應儲存對保資訊、負責人影片以及保證人影片以完成對保 20: Bank server 21: Server receiving module 22: Nuclear loan module 23: Voice record module 24: Information generation module 25: page generation module 26: Video module 27: Data storage module 28: Server transmission module 30: Electronic device 41: Warranty Information 411: Hyperlink 51: Warranty page 601: processor 602: Memory Module 603: Bus 609: shell Step 101: The electronic device allows the bank server to identify the electronic device through the Taiwan mobile identification mechanism Step 102: The bank server verifies the loan amount based on the loan application information Step 103: The bank server contacts the loan application company via video based on the contact information in the loan application information and confirms the loan application information, loan amount, loan interest rate, loan period, and grant date to record as KYC information Step 104: According to the KYC information, the bank server cooperates with the internal notice information of the enterprise financial credit management system and imports external notice information through the enterprise financial credit management system to generate guarantee information. The guarantee information contains a hyperlink to the insurance Step 105: The bank server sends the guarantee information to the corresponding electronic device by push broadcast according to the contact information in the loan application information Step 106: The electronic device displays the warranty information Step 107: When the insurance hyperlink in the insurance information is triggered, the electronic device sends a connection request to the bank server Step 108: When the bank server receives the link request, the bank server generates a guarantee page based on the guarantee information and generates a one-time password Step 109: The bank server sends the guarantee page to the electronic device Step 110: The electronic device displays the guarantee page, and at the same time obtains the one-time password from the bank server Step 111: The electronic device provides the one-time password, the video with the person in charge, and the video with the guarantor on the guarantee page to the bank server Step 112: The bank server records the video with the person in charge as the person in charge video, and records the video with the guarantor as the guarantor video Step 113: When the one-time password is successfully verified by the bank server, the guarantee information, the person in charge video, and the guarantor video are correspondingly stored to complete the guarantee
第1A圖繪示為本創作線上貸款申請資料即時確認與對保系統的系統方塊圖。 第1B圖繪示為本創作所提之系統的元件示意圖。 第2A圖繪示為本創作線上貸款即時對保的對保資訊示意圖。 第2B圖繪示為本創作線上貸款即時對保的對保頁面示意圖。 第3A圖至第3B圖繪示為本創作線上貸款申請資料即時確認與對保的方法流程圖。 Figure 1A shows the system block diagram of the instant confirmation and guarantee system for the creation of online loan application data. Figure 1B shows a schematic diagram of the components of the system proposed in this creation. Figure 2A shows a schematic diagram of the guarantee information for the instant guarantee of this creative online loan. Figure 2B shows a schematic diagram of the guarantee page for the instant guarantee of this creative online loan. Figures 3A to 3B show the flow chart of the method for instant confirmation and guarantee of the creation of online loan application materials.
20:銀行伺服器 20: Bank server
21:伺服器接收模組 21: Server receiving module
22:核貸模組 22: Nuclear loan module
23:語音紀錄模組 23: Voice record module
24:資訊生成模組 24: Information generation module
25:頁面生成模組 25: page generation module
26:錄影模組 26: Video module
27:資料儲存模組 27: Data storage module
28:伺服器傳送模組 28: Server transmission module
30:電子裝置 30: Electronic device
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TWM613489U true TWM613489U (en) | 2021-06-21 |
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TW109217489U TWM613489U (en) | 2020-12-31 | 2020-12-31 | Online loan real-time identity verification system |
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI813066B (en) * | 2021-11-12 | 2023-08-21 | 金腦數位股份有限公司 | Method for remote identity authentication and verification contract and apparatus thereof |
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2020
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI813066B (en) * | 2021-11-12 | 2023-08-21 | 金腦數位股份有限公司 | Method for remote identity authentication and verification contract and apparatus thereof |
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