TWM636655U - Credit card application system - Google Patents

Abstract

A credit card application system includes a database, a processor, an audit device, and a client device. The database saves multiple certified documents and multiple identify information. The processor connects to the database. The processor includes an application interface and a review device. The review device includes a query element, a clock, and a computing element. The audit device connects to the database and the processor. The client device includes a screen. The client device connects to the processor through the internet and the screen shows the application interface. The application interface receives an application requirement from the client device. The review device produces a review result according to the application requirement. The processor determines to send the application requirement to the audit device according to the review result.

Description

Credit Card Application System

This disclosure relates to a credit card application system.

In order to increase the circulation rate of credit cards and the number of effective cards issued, the promotion methods of credit card business are constantly being introduced. In addition to providing a variety of credit card discounts and attractive card appearances, card-issuing banks also provide online application channels for consumers to apply for credit cards. Affected by the epidemic recently, the number of consumers applying for credit cards through online application channels has increased. However, when using the online application channel, the submission of some application documents (such as identification documents, financial proof documents) must still be scanned and corrected by the applicant to conform to the application format, which will consume the applicant's time and effort, and may make the card application As a result, the schedule was delayed.

Therefore, how to propose a credit card application system that can solve the above problems is one of the problems that the industry is eager to invest in research and development resources to solve.

In view of this, one purpose of this disclosure is to propose a credit card application system that can solve the above problems.

This disclosure relates to a credit card application system, including a database, a processor, a verification device and a client device. The database stores a plurality of identification documents and a plurality of identity information. The processor connects to the database. The processor includes application interface and checking device. The inspection device includes an inquiry element, a clock and a calculation element. The auditing device is connected to the database and the processor. The client device includes a display screen. The client device connects to the processor through the network and displays the application interface through the display screen. In the application interface, the client device receives an application request. The inspection device generates inspection results according to application requirements. The processor judges whether to send the application request to the verification device according to the inspection result.

In some current implementations, the processor further includes an input interface. The display screen displays the input interface. The input interface receives the application data by the client device.

In some current implementations, the query component is connected to an external server through a network. The query component sends the application data to the external server and generates query results.

In some current implementations, when the query result is the same as the application materials, the checking device passes the checking result and sends the application request to the reviewing device.

In some current implementations, the database further stores a plurality of writing time data. The plurality of writing time data respectively correspond to the times when the plurality of certification documents and the plurality of identity information are stored in the database.

In some current implementations, the clock generates instant time data when the client device sends the application request. The calculation element calculates the time length according to the plurality of written time data and the real time data.

In some current implementations, when the time length is less than or equal to the predetermined time length, the inspection device passes the inspection result and sends the application request to the review device.

In some current implementations, the credit card application system further includes an identity verification device. The authentication device is connected to the database, the processor and the client device. The identity verification device includes a verification interface. The display screen displays an authentication interface and receives an input code from the client device.

In some current implementations, the database further stores multiple account numbers. Each of the multiple account numbers corresponds to at least one of the multiple certification documents and the multiple identity data. When the identity verification device determines that the input number is the same as one of the multiple account numbers, the processor reads at least one of the corresponding certification documents and the multiple identity data in the database according to the input number.

In some current implementations, the identity verification device further includes a security control element. The safety test of the safety control element must be passed when entering the input number.

To sum up, in the credit card application system disclosed herein, two application schemes are provided for different applicants, so as to save the applicant's time for preparing application documents and speed up the application process. For applicants who use the credit card application system for the first time, the query component will check whether the content of the application documents submitted by the applicant is correct by obtaining the query results from the external server. In this way, it will be possible to check the application documents before they are submitted for review, so as to avoid being rejected due to inconsistent format and content of the application documents during the review, and reduce the time for applicants to wait for the documents to go back and forth. For applicants who use the credit card application system again, the calculation element calculates the time length between the written time data and the real-time time data to determine whether the applicant's previous application data can be used again in this application. In this way, it will be possible to save the applicant’s time for submitting the application materials and speed up the application process while eliminating the discrepancy between the application materials and the applicant’s current information as much as possible, and it can also increase the applicant’s willingness to apply for a credit card.

These and other aspects of the present disclosure will become apparent from the following description of preferred embodiments in conjunction with the accompanying drawings, but can be implemented without departing from the spirit and scope of the novel concepts of the present disclosure. changes and modifications.

The following disclosure will now be described more fully herein with reference to the accompanying drawings and references, in which some exemplary embodiments are shown. The present disclosure can be implemented in various forms and should not be limited by the embodiments mentioned below. However, these embodiments are provided to help a more complete understanding of the contents of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art. Like reference numbers will refer to like elements throughout.

FIG. 1 is a schematic diagram of a credit card application system 100 according to some embodiments of the present disclosure. Please refer to FIG. 1 , some embodiments of the present disclosure relate to a credit card application system 100 including a database 110 , a processor 120 , a verification device 130 and a client device 140 . The database 110 stores a plurality of certification documents and a plurality of identity information. The processor 120 is connected to the database 110 . The processor 120 includes an application interface 122 and a checking device 124 . The checking device 124 includes a query element 124a, a clock 124b and a calculation element 124c. The review device 130 is connected to the database 110 and the processor 120 . The client device 140 includes a display screen 142 . The client device 140 is connected to the processor 120 through the network and displays the application interface 122 through the display screen 142 . The application interface 122 receives an application request from the client device 140 . The inspection device 124 generates inspection results according to application requirements. The processor 120 judges whether to send the application request to the review device 130 according to the checking result. In some embodiments, the client device 140 includes a personal computer, a mobile phone, a tablet, or other electronic devices with a display screen 142 and capable of network transmission. The details of how the credit card application system 100 processes the application request sent by the client device 140 through the network will be described below.

Please continue to refer to FIG. 1 , the database 110 is used to store a plurality of application materials (such as the above-mentioned certification documents and identity data), and these application materials must be submitted to the review device 130 together with the application requirements. In some embodiments, the application materials submitted in the past are also stored in the database 110 for access by the processor 120 and the checking device 130 . In some embodiments, the supporting documents include personal financial proof documents, such as salary certificates, withholding vouchers, photocopies of passbooks, house or land ownership certificates, and the like. In some embodiments, the identity information includes a copy of a personal ID card, a copy of a student ID card, a copy of a passport, a copy of a residence permit, and the like. The database 110 can also store other types of data besides the above-mentioned certification documents and identity data. For example, in some embodiments, the database 110 further stores a plurality of account numbers. Each of the multiple account numbers corresponds to at least one of the multiple certification documents and the multiple identity data. Specifically, each account number corresponds to an applicant, and all application materials submitted by the applicant will be linked with the account number in the database 110 . In this way, the application data stored in the database 110 can be effectively searched through the account number. In some other embodiments, the database 110 further stores a plurality of writing time data. The multiple writing time data respectively correspond to the time when the multiple certification documents and the multiple identity data are stored in the database 110 . Specifically, in addition to recording the content of the application data, the database 110 also stores the time when the application data was uploaded to the database 110 (that is, the aforementioned writing time data), so that the data in the database 110 can be processed in the future. Update and tidy up.

Please continue to refer to FIG. 1, the application interface 122 of the processor 120 includes multiple application schemes for applicants to choose from, and the processor 120 will submit the application request and application materials for the application scheme selected by the user in the application interface 122, and Execute checks on application materials in different ways to speed up the application process. Two different application schemes of the credit card application system 100 will be described below.

Please continue to refer to FIG. 1 , when the applicant uses the credit card application system 100 for the first time, one of the application solutions provided by the application interface 122 allows the applicant to submit new application materials. In this example, the processor 120 further includes an input interface 126 . The display screen 142 displays the input interface 126 . The input interface 126 receives application data from the client device 140 . These application materials may contain text data or image data. The client device 140 can fill the application data into the input interface 126 through a suitable input device or image capture device and submit it to the processor 120 through the network. After the pending processor 120 receives the application materials submitted by the applicant, the checking device 124 will check the application materials. The inspection device 124 can inspect the application documents before sending them to the review device 130, so as to avoid the applicant being rejected due to inconsistent application file format and content during the review, and spending extra time waiting for the application files to go back and forth.

Please continue to refer to FIG. 1 , the inspection performed by the inspection device 124 on the application materials may include format inspection and inspection on the content of the materials. For example, in some embodiments, the format checking includes checking whether there is any error in the characters used, such as using capital letters at the beginning of the ID card, using numbers for the date of birth, and so on. In other embodiments, the inspection device 124 includes a query element 124a. The query component 124a is connected to the external server 200 through the network. The query component 124a sends the application data to the external server 200 and generates a query result. Specifically, taking the ID card information provided by the applicant (such as ID number, date of birth, replacement/reissue information, etc.) as an example, after the applicant submits the ID card information, the query element 124a will be connected to The external server 200 (for example, the website of the Department of Household Affairs of the Ministry of the Interior) performs an inquiry on the external server 200 according to the identity card information submitted by the applicant. The external server 200 will return the query result to the query component 124a through the network. When the query result received by the query component 124 a is the same as the application materials, the checking device 124 passes the checking result and sends the application request to the checking device 130 . When the inquiry result received by the inquiry component 124a is different from the application information, the inspection device 124 will display on the display screen 142 and notify the applicant that the information does not match, and the inspection device 124 will not send the application request to the review device 130 . At this point, the applicant needs to resubmit the application data to the credit card application system 100 , and the application request will not be sent to the review device 130 until the query result of the query component 124 a is the same as the application data.

It should be added that if the database 110 stores the applicant's previously submitted application data (for example, the application data submitted in other application procedures and stored in the database 110), the database 110 can be selected to be used in the input interface 126 110 application materials. In this case, the query component 124a will preferentially read the application data previously submitted by the applicant and perform query on the external server 200 accordingly. When the query result received by the query component 124 a is the same as the application materials, the checking device 124 also passes the checking result and sends the application request to the checking device 130 . In this way, the applicant does not need to submit application materials repeatedly, which saves application time and speeds up the application process, and can also increase the applicant's willingness to apply for a credit card. However, when the inquiry result received by the inquiry component 124a is different from the application information, the applicant still needs to resubmit the application information to the credit card application system 100 according to the above steps.

Please continue to refer to FIG. 1 , when the applicant uses the credit card application system 100 again, the application interface 122 will provide another application solution to allow the applicant to use the application materials submitted last time. Specifically, in this case, the applicant has used the credit card application system 100 to submit application materials at least once and has been passed by the checking device 130 . Therefore, when the applicant chooses this application scheme, the credit card application system 100 will use the checking device 124 to check first whether the previously submitted application materials can be used for this application. In this way, it will save the time for the applicant to re-prepare the application materials and speed up the application process, and it can also increase the applicant's willingness to apply for a credit card. Since the application materials submitted by the applicant last time have passed the verification by the verification device 130, the inspection of the format and content of the application materials can be excluded. Therefore, in this solution, the checking device 124 will preferentially check whether the application data in the database 110 has expired, so as to rule out the situation that the application data does not match the applicant's current data.

Please continue to refer to FIG. 1 , for example, in some embodiments, the checking device 124 includes a clock 124b and a computing element 124c. When the client device 140 sends an application request, the clock 124b generates real time data. The calculation element 124c calculates the time length according to the plurality of written time data and the real time data. It should be mentioned that a plurality of writing time data has been recorded in the database 110 when the applicant submitted the application materials last time, and the processor 120 can directly read the writing time data in the database 110 to calculate the time length. Specifically, the calculation element 124c will calculate the time gap between the written time data and the real time data and use this time gap as the time length. If there are multiple write time data stored in the database 110 (for example, when multiple application materials are submitted, each application data may have different write time data), the calculation element 124c will calculate each write time data separately. Import time data and the time gap between instant time data and get multiple time lengths. In some embodiments, when the time length is less than or equal to the predetermined time length, the inspection device 124 passes the inspection result and sends the application request to the review device 130, wherein the predetermined time length can be limited to a specific duration or a specific deadline. In some embodiments, the predetermined time length is limited to the end of each month. In other words, when the time length obtained by the calculation element 124c is between the writing time data and the deadline at the end of each month, the applicant can invoke previous application documents. On the other hand, if the time length is longer than the predetermined time length, the applicant will not be able to use the previous application data, and the applicant will need to resubmit new application data to the credit card application system 100 .

Please continue to refer to FIG. 1 , in some embodiments, the credit card application system 100 further includes an identity verification device 150 . The identity verification device 150 is connected to the database 110 , the processor 120 and the client device 140 . The identity verification device 150 includes a verification interface 152 . The display screen 142 displays the authentication interface 152 and receives an input code from the client device 140 . In some embodiments, these input numbers will correspond to account numbers stored in the database 110 . When the identity verification device 150 determines that the input number is the same as one of the account numbers, the processor 120 reads at least one of the corresponding certification documents and the identity information in the database 110 according to the input number. Specifically, the identity verification device 150 can verify the applicant's account by inputting the number, and search the database 110 for the application information previously submitted by the applicant according to the account number. In this way, the performance of the processor 120 can be saved. When the processor 120 only reads a plurality of certification documents and a plurality of identification materials corresponding to the account numbers, it only needs to check the content and write time data of these certification documents and identification materials, and reduce the processing time of the processor 120 .

Please continue to refer to FIG. 1 , in some embodiments, the identity verification device 150 further includes a security control element 154 . The safety test of the safety control element 154 must be passed when the input number is entered. Specifically, the security test of the security control element 154 can be displayed on the display screen 142 of the client device 140 through the verification interface 152 . When the applicant submits the input number, the answer to the security test needs to be input together. After the security control element 154 confirms that the applicant has passed the security test, the identity verification device 150 receives the input number submitted by the applicant and communicates with the registered account of the database 110. number for comparison. In some embodiments, security tests include graphic verification codes, PIN codes, and the like. Security testing can also include two-factor authentication mechanisms. Setting the security control element 154 will ensure the applicant's connection security and prevent the applicant's personal information from leaking out.

From the above detailed description of the specific implementation of this disclosure, it can be clearly seen that in the credit card application system of this disclosure, two application schemes are provided for different applicants, so as to save applicants time for preparing application documents and Speed up the application process. For applicants who use the credit card application system for the first time, the query component will check whether the content of the application documents submitted by the applicant is correct by obtaining the query results from the external server. In this way, it will be possible to check the application documents before they are submitted for review, so as to avoid being rejected due to inconsistent format and content of the application documents during the review, and reduce the time for applicants to wait for the documents to go back and forth. For applicants who use the credit card application system again, the calculation element calculates the time length between the written time data and the real-time time data to determine whether the applicant's previous application data can be used again in this application. In this way, it will be possible to save the applicant’s time for submitting the application materials and speed up the application process while eliminating the discrepancy between the application materials and the applicant’s current information as much as possible, and it can also increase the applicant’s willingness to apply for a credit card.

The foregoing description is only intended to illustrate and describe the exemplary embodiments of the present disclosure, and is not intended to exhaust or limit the precise forms of the novelty disclosed in the present disclosure. The above teachings may be modified or varied.

The embodiments were chosen and described in order to explain the disclosure and their practical application to enable others skilled in the art to utilize the disclosure and the various embodiments with various modifications as are suited to the particular use contemplated. Alternative embodiments will be apparent to those skilled in the art to which the disclosure pertains without departing from the spirit and scope of the disclosure. Therefore, the scope of the present disclosure is determined according to the scope of the appended patent application, rather than being limited by the foregoing description and the exemplary embodiments described therein.

100: Credit card application system 110: Database 120: Processor 122: Application interface 124: Check device 124a: query element 124b: Clock 124c: computing element 126: input interface 130: Audit device 140: client device 142: display screen 150: identity verification device 152: Verification interface 154: Safety control element 200: External server

The drawings illustrate one or more embodiments of the disclosure and, together with the written description, serve to explain principles of the disclosure. Wherever possible, the same reference numbers will be used throughout the drawings to refer to similar or identical elements of the embodiments, wherein: FIG. 1 is a schematic diagram of a credit card application system according to some embodiments of the present disclosure.

100: Credit card application system

110: Database

120: Processor

122: Application interface

124: Check device

124a: query element

124b: Clock

124c: computing element

126: input interface

130: Audit device

140: client device

142: display screen

150: identity verification device

152: Verification interface

154: Safety control element

200: External server

Claims (10)

A credit card application system, comprising: a database storing a plurality of certification documents and a plurality of identity information; A processor, connected to the database, the processor includes an application interface and a checking device, wherein the checking device includes a query element, a clock and a calculation element; an audit device connected to the database and the processor; and A client device, including a display screen, the client device is connected to the processor through the network and displays the application interface through the display screen, Wherein the application interface receives an application request from the client device, the checking device generates a checking result according to the checking result, and the processor judges whether to send the applying request to the checking device according to the checking result. The credit card application system as described in Claim 1, wherein the processor further includes an input interface, the display screen displays the input interface, and the input interface receives an application data from the client device. The credit card application system as described in Claim 2, wherein the query component is connected to an external server through the network, and the query component transmits the application data to the external server and generates a query result. The credit card application system as described in Claim 3, wherein when the query result is the same as the application data, the checking device passes the checking result and sends the application request to the checking device. The credit card application system as described in Claim 1, wherein the database further stores a plurality of writing time data, and the writing time data respectively correspond to the time when the certification documents and the identity data are stored in the database. The credit card application system as described in claim 5, wherein when the client device sends the application request, the clock generates a real-time time data, and the calculation element calculates a time length according to the written time data and the real-time time data . The credit card application system as described in Claim 6, wherein when the time length is less than or equal to a predetermined time length, the checking device passes the checking result and sends the application request to the checking device. The credit card application system as described in claim 1 further includes an identity verification device connected to the database, the processor and the client device, the identity verification device includes a verification interface, and the display screen displays the The interface is authenticated and an input code is received by the client device. The credit card application system as described in claim 8, wherein the database further stores a plurality of account numbers, and each of the account numbers corresponds to at least one of the certification documents and the identity information, when the identity verification device When judging that the input number is the same as one of the account numbers, the processor reads the corresponding certification documents and at least one of the identity data in the database according to the input number. The credit card application system as described in Claim 9, wherein the identity verification device further includes a security control element, and a security test of the security control element must be passed when the input number is input.

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