TWM619239U - Digital mortgage data overprinting apparatus - Google Patents

Abstract

A digital mortgage data overprinting device includes a bank server device and a joint credit investigation server device. The bank server device sends a pending credit investigation signal about an electronic device to the joint credit investigation server device, the pending credit investigation signal Instruct a credit data corresponding to an identity verification data, and then send a notification signal indicating online security and user password to an electronic device, and receive the identity verification signal from the electronic device, and the identity verification signal and a password The database is compared to generate a verification result. The bank server device generates a compilable electronic file with mortgage guarantee data based on the verification result and a mortgage database, and transmits the electronic file to the electronic device, thereby reducing Application document review time.

Description

Digital mortgage data overprinting equipment

This new model relates to a device for checking and overwriting digital documents, in particular to a device for overprinting digital mortgage data.

At present, the operation method for bank customers to apply for a loan is to close the counter or make an appointment for the guarantee location, and the bank clerk will check from the joint credit center whether the customer meets the relevant conditions for applying for the loan. The customer fills in the content of the confirmation clause on the spot.

However, when the bank staff and the customer confirm the mortgage guarantee documents, it is easy to consume time due to excessive provisions. In addition, due to the excessive contents of the guarantee documents, it is also easy to misinterpret. Therefore, there is a need to improve the existing loan document review methods. .

Therefore, the purpose of the present invention is to provide a digital mortgage data overprinting device that uses an electronic device to determine the content of a digitized document according to preset conditions.

Therefore, the new digital mortgage data overprinting device includes a bank server device and a joint credit investigation server device.

The bank server device stores multiple insurance data corresponding to multiple identity verification data, and each identity verification data corresponds to an identity identification code.

The joint credit investigation server device is in communication connection with the bank server device.

The bank server device sends a credit information signal to be verified about an electronic device to the joint credit information server device, and the credit information signal to be verified indicates a credit data corresponding to an identity verification data.

The joint credit information server device generates a credit score according to the content of the credit data indicated by the credit information signal to be reviewed.

The joint credit checking server device determines whether the credit score is greater than a preset credit threshold.

If yes, the bank server device determines whether the content of a pending renewal signal received from the electronic device meets a preset renewal condition through the application program interface, and the content of the pending renewal signal indicates the identity verification data, The bank server device searches for the corresponding insurance data according to the identity verification data, and determines whether the content of the insurance data meets the renewal conditions.

If yes, the bank server device sends a notification signal indicating online guarantee to the electronic device.

The electronic device sends a signal to the bank server device to verify the connection according to the notification signal, and the signal has an identification code.

The bank server device generates a compilable electronic file with mortgage guarantee data based on a verification result and a mortgage database, and transmits the electronic file to the electronic device. The verification result indicates that the identification code is verified, and the The mortgage database has multiple identification codes and mortgage guarantee data corresponding to each identification code.

The effect of the present invention is that after the digital mortgage data overprinting device verifies the identity verification data sent by the electronic device, it is generated according to the verification result and the data in the mortgage database for the electronic device to receive and has the compiling of the mortgage guarantee data. Electronic files, thereby reducing the time for reviewing application documents.

Referring to Figure 1, an embodiment of the digital mortgage data overprinting device of the present invention includes a bank server device 2 and a joint credit investigation server device 3 communicatively connected with the bank server device 2, wherein the bank server device 2 is the electronic equipment used by the bank to provide its customers with online housing loan application. The specific content of the bank's server 2 will be further explained below.

The bank server device 2 includes an online banking server 21, a security operation server 22 communicating with the joint credit reference server device 3 and the online banking server 21, and an online banking server 21 and the first relay server 23 that is in communication with the pair of security operation server 22, an application program interface server 24 that is electrically connected to the pair of security operation server 22, and one that is electrically connected to the application program interface server 24 The second relay server 25, a bank host 26 electrically connected to the second relay server 25, a short message platform server 27 electrically connected to the pair of security operation server 22, and an electrically connected bank host 26 and The third relay server 28 of the backup operation server 22.

The online banking server 21 is in communication connection with an electronic device 4 held by a bank customer to receive digital information transmitted by the electronic device 4 from the customer.

The guarantee operation server 22 is used to perform credit evaluation on the credit records of bank customers through the joint credit reference server 3, which is, for example, a credit evaluation agency of a financial joint credit reference center.

The first relay server 23 is used to forward data of both the online banking server 21 and the counter-operation server 22.

The application programming interface server 24 writes an application programming interface (API: Application Programming Interface), which is used to review the content of digital documents and perform identity verification related procedures.

The bank host 26 is electrically connected to the second relay server 5, and writes multiple sets of identity verification data and insurance data corresponding to each other. In addition, the bank host 26 and the application program interface server 24 use the second The relay server 5 relays the data.

The short message platform server 27 is used to send the information generated by the security operation server 22 to the electronic device 4 in the form of a short message service (SMS: Short Message Service).

The third relay server 28 is used to forward the data of the bank host 26 and the counter-operation server 22.

With reference to Figure 2, the following describes a digital mortgage data overprinting method implemented in this embodiment, including one step (S1), one step (S2), one step (S3), one step (S4), and one step (A) , One step (B), one step (S5), one step (C), one step (D), and one step (E).

In this step (S1), the bank server device sends a credit reference signal to be verified to the joint credit reference server 3. The credit reference signal indicates a credit data corresponding to an identity verification data. The joint credit information signal is sent by the electronic device 4, and the online banking server 21, the first relay server 23, and the guarantee operation server 22 send the pending credit information signal to the joint credit information Servo device 3.

In this step (S2), the joint credit investigation server 3 generates a credit score according to the content of the credit data indicated by the credit investigation signal to be verified.

In this step (S3), the joint credit investigation server 3 judges whether the credit score is greater than a preset credit threshold.

In the step (S4), if the result of the step (S3) is yes, the bank server device 2 uses the application program interface to determine whether the content of a pending renewal signal received from the electronic device 4 meets a preset Renewal conditions, the content of the pending renewal signal indicates the identity verification data, the bank server device 2 searches for the corresponding insurance data according to the identity verification data, and determines whether the content of the insurance data meets the renewal conditions, if so, Then perform this step (A). What needs to be explained again is that when the joint credit server device 3 judges that the credit score is greater than the credit threshold, it means that the bank has a good credit record for the customer, and the bank can provide loan-related services to it, and then The security operation server 22 triggers the application program interface server 24 to read the identity verification data and insurance application data from the bank host 26 according to the judgment result of the joint credit investigation server device 3, and judge the application program interface The content of the renewal signal to be reviewed.

In step (A), the bank server device 2 sends a notification signal instructing online insurance to the electronic device 4. When the application program interface server 24 determines that the content of the insurance application data meets the renewal conditions, the application program The interface technology generates a pair of insurance document generation screens corresponding to the personal data corresponding to the bank customer, which specifically displays the various renewal conditions that the bank customer meets, and the insurance pair server 22 generates the notification signal, and then the SMS platform The server 27 transmits the notification signal to the electronic device 4.

In the step (B), the electronic device 4 sends a signal to the digital mortgage data overprinting device to perform a verification connection according to the notification signal, and the signal has an identification code.

With reference to Figure 3, this step (B) includes a sub-step (B1), a sub-step (B2), a sub-step (B3), and a sub-step (B4).

In the sub-step (B1), the electronic device 4 sends a login request to the digital mortgage data overprinting device. It is further explained that the online bank server 21 receives the login request.

The sub-step (B2) is that the online banking server 21 of the digital mortgage data overprinting device generates a verification signal according to the login request. The verification signal indicates a SMS password. In addition, the user password is a one-time password (OTP: One Time Password)

In the sub-step (B3), the electronic device 4 returns a confirmation signal according to the verification signal, and the confirmation signal indicates a return password.

The sub-step (B4) is to generate the verification result when the online banking server 21 of the digital mortgage data overprinting device determines that the SMS password is the same as the return password.

2 again, the step (S5) is that the application program interface server 22 of the bank server device 2 reads the content of the pending renewal signal of the electronic device 4 according to the verification result, and reads the data Write to the mortgage database.

In step (C), the application program interface server 22 of the bank server device 2 generates a compilable electronic file with mortgage guarantee data based on the verification result and the mortgage database, and then the application program interface server 22 The online banking server 21 transmits the compilable electronic file to the electronic device 4, the verification result indicates that the identification code has been verified, and the mortgage database has a plurality of identification codes and the location of each identification code. Corresponding mortgage guarantee data.

Among them, the compilable electronic file is a loan contract in digital form. It should be noted that the application program interface server 22 first generates a pair of insurance operation menus based on personal financial credit information, and will correspond to personal financial information. The letter data is substituted into the operation menu of the protection, and the plug value is written with the portable document tool software and the corresponding code, and then the compilable electronic file is further generated.

Referring again to Figures 1 and 2, the step (D) is that the electronic device 4 converts the compilable electronic file into an image file with signature data, and uploads it to the application program interface server through the online banking server 21器22.

The step (E) is that the application program interface server 22 of the bank server device 2 then converts the format of the compilable electronic file into a portable document format (PDF: Portable Document Format).

1. When the application program interface server 24 determines that the content of the renewal signal to be reviewed is renewable, it then uses one-time password technology to verify the identity verification signal returned by the electronic device 4, and then uses the application program after the verification is passed. The interface server 24 generates the loan contract in digital form, that is, the compilable electronic file, which can reduce the staff login work, and the customer can confirm the relevant provisions of the mortgage guarantee on the electronic device 4 in advance, and can download the signature afterwards. Take pictures and send them back, thereby reducing the time it takes to face the insurance.

2. In addition, the electronic device 4 converts an image file with signature data according to the compilable electronic file for the bank server 2 to save the file as a portable file, so all the data is presented in the electronic form in digital form. The device or each server performs transmission, thereby reducing customer paper writing and reducing the time for bank staff to go out, so it can indeed achieve the goal of new cost.

However, the above are only examples of the present model. When the scope of implementation of the present model cannot be limited by this, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

S1: Step S2: Step S3: steps S4: Step A: Step B: Step S5: steps C: Step D: Step E: Step B1: Substep B2: Substep B3: Substep B4: Substep 2: Bank server 21: Online Banking Server 22: Warranty operation server 23: The first relay server 24: Application Programming Interface Server 25: The second relay server 26: Bank host 27: SMS platform server 28: The third relay server 3: Joint Credit Information Servo Device 4: Electronic device

The other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, among which: Figure 1 is a block diagram illustrating an embodiment of the new digital mortgage data overprinting device; Figure 2 is a flowchart illustrating a method for overprinting digital mortgage data implemented in this embodiment; and Fig. 3 is a flowchart illustrating a step (B) performed by this embodiment.

2: Bank server

21: Online Banking Server

22: Warranty operation server

23: The first relay server

24: Application Programming Interface Server

25: The second relay server

26: Bank host

27: SMS platform server

28: The third relay server

3: Joint Credit Information Servo Device

4: Electronic device

Claims (9)

A digital mortgage data overprinting device, including: A bank server device stores multiple insurance data corresponding to multiple identity verification data, and each identity verification data corresponds to an identity identification code; and A joint credit investigation server device is in communication with the bank server device, The bank server device sends a pending credit investigation signal about an electronic device to the joint credit investigation server device, the pending credit investigation signal indicates a credit information corresponding to an identity verification data, The joint credit investigation server device generates a credit score based on the content of the credit data indicated by the credit investigation signal to be reviewed, The joint credit investigation server device determines whether the credit score is greater than a preset credit threshold, and If yes, the bank server device determines whether the content of a pending renewal signal received from the electronic device meets a preset renewal condition through the application program interface, and the content of the pending renewal signal indicates the identity verification data, The bank server device searches for the corresponding insurance data according to the identity verification data, and determines whether the content of the insurance data meets the renewal conditions. If yes, the bank server device sends a notification signal indicating online guarantee to the electronic device, The electronic device sends a signal to the bank server device to verify the connection according to the notification signal, and the signal has an identification code, The bank server device generates a compilable electronic file with mortgage guarantee data based on a verification result and a mortgage database, and transmits the electronic file to the electronic device. The verification result indicates that the identification code is verified, and the The mortgage database has multiple identification codes and mortgage guarantee data corresponding to each identification code. The digital mortgage data overprinting device according to claim 1, wherein the electronic device converts the electronic file into an image file with signature data, and uploads it to the bank server device. The digital mortgage data overprinting device according to claim 1, wherein the bank server device reads the content of the pending renewal signal of the electronic device according to the verification result, and writes the read data into the mortgage database . The digital mortgage data overprinting device according to claim 1, wherein the bank server device converts the format of the compilable electronic file into a portable file format. The digital mortgage data overprinting device according to claim 1, wherein the electronic device sends a login request to the bank server device, The bank server device generates a verification signal according to the login request, and the verification signal indicates a SMS password, The electronic device returns a confirmation signal according to the verification signal, and the confirmation signal indicates a return password, and The verification result is generated when the bank server device determines that the SMS password is the same as the return password. The digital home loan data overprinting device according to claim 1, wherein the bank server device includes an online bank server, a communication connection with the joint credit reference server, and the online bank server. Server, the online bank server receives the pending credit investigation signal, and the guarantee operation server transmits the pending credit investigation signal to the joint credit investigation server device. The digital mortgage data overprinting device according to claim 6, wherein the bank server device further includes an application program interface server that is electrically connected to the security operation server and writes the application program interface, and an application program interface server is electrically connected to the application The first relay server of the programming interface server, a bank host that is electrically connected to the first relay server and writes the corresponding identity verification data and insurance information, and the insurance operation server is based on the joint levy The determination result of the trust server device triggers the application program interface server to read the identity verification data and insurance application data from the bank host, and uses the application program interface to determine the content of the pending renewal signal. The digital mortgage data overprinting device according to claim 7, wherein the application program interface server compares the identity verification signal with the password database to generate the verification result. The digital mortgage data overprinting device according to claim 1, wherein the bank server device further includes a short message platform server electrically connected to the pair of security operation server, the pair of security operation server generates the notification signal, and the The SMS platform server transmits the notification signal to the electronic device.

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