TWM647275U - Consumer credit contract signing system - Google Patents

Abstract

Provided is a consumer credit contract signing system, which can list the required contracts and lists according to the types of loans required by consumers and the basic information of the consumers. The consumer credit contract signing system can not only prevent consumers from missing signing necessary contracts and lists based on the list, but also assist the bank undertaker for checking whether all the contracts and lists have been signed for different loan types, so as to prevent the bank undertaker from neglecting to check the contract based on his own experience, and avoid damage to the bank's creditor's rights.

Description

Consumer credit contract signing system

The present invention relates to a contract signing system, and in particular to a consumer credit contract signing system.

When a consumer goes to a bank to sign a credit contract, the bank will often use its own experience to prepare relevant documents and provide them to the consumer for signature. Then use the checklist to check whether there are any documents that should be signed but have not been signed. If the above situation occurs, the contractor will notify the consumer to sign additional documents to complete the signing of the credit contract. However, the checklist often only includes a list of documents that are required for all types of loan cases. Different documents cannot be listed for review for different loan cases, and the latest version of each document cannot be known from the checklist. As a result, after passing the review and allocating funds to the consumer, if the audit unit discovers missing documents or uses an older version during future inspections, the consumer will be required to make supplementary documents. If the consumer does not agree to the replacement, there is a considerable risk of damaging the bank's creditor's rights. Therefore, how to reduce the omissions in document signing is an important issue.

In view of this, this new creation provides a consumer finance credit contract signing system, which generates corresponding documents for different loan types and provides corresponding checklists to reduce gaps in document signing.

The consumer credit contract signing system provided by this new creation includes a user interface, a storage and a processor. The storage stores multiple credit contracts and multiple contracts. The processor is coupled to the user interface and the storage, and is configured to: obtain the customer's credit requirements from the user interface, wherein the credit requirements include consumer loan requirements; and obtain a plurality of credit contracts from the storage according to the credit requirements. A first credit contract corresponding to the credit requirement; generating a first checklist based on the first credit contract, wherein the first checklist includes at least one contract among a plurality of contracts; in response to the customer signing the first credit contract, inspecting the customer Whether the signing of at least one contract listed on the first checklist has been completed; and in response to the customer completing the signing of at least one contract listed on the first checklist, the signing of the first credit contract is completed.

Based on the above, through the consumer finance credit contract signing system provided by this new creation, it can list the required contracts and lists accordingly according to the loan type required by the consumer and the consumer's basic information, which can not only prevent consumers from missing out Sign the necessary contracts. During the review, the bank agent can check whether all the contracts have been signed one by one according to the list listed for different loan types, so as to avoid the bank agent from omitting to check the contracts based on his own experience, and to avoid the bank Damage to claims.

Reference will now be made in detail to the exemplary embodiments of the present disclosure, examples of which are illustrated in the accompanying drawings. The terms "first" and "second" mentioned in the full text of the specification of this case (including the scope of the patent application) are used to name elements or to distinguish different embodiments or scopes, and are not used to limit the number of elements. The upper or lower limits are not used to limit the order of components. In addition, wherever possible, elements/components with the same reference numbers are used in the drawings and embodiments to represent the same or similar parts.

Figure 1 is a schematic diagram of a consumer credit contract signing system created in this new type. The consumer credit contract signing system 100 includes a processor 110, a storage 120 and a user interface 130.

In the embodiment of the present invention, the storage 120 can be any type of memory. For example, in some embodiments, the storage 120 may be a static random access memory (SRAM), a dynamic random access memory (DRAM), or a magnetic random access memory (DRAM). magnetic random-access memory (MRAM), magnetoresistive random access memory (MRAM), flash memory or other memories. In the embodiment of the present invention, the storage 120 stores multiple credit contracts and multiple contracts.

In the embodiment of the present invention, the processor 110 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro control unit (MCU), micro Processor (microprocessor), digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), imaging Image signal processor (ISP), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable field programmable gate array (FPGA) or other similar components or a combination of the above components. The processor 110 may be coupled to the storage 120 and the user interface 130 .

In the embodiment of the present invention, the processor 110 obtains the credit request input by the consumer (customer) through the user interface 130 . Credit demand includes consumer loan demand. Consumer loan demand includes housing loan demand, expert financial loan demand, credit loan demand and youth entrepreneurship loan demand. Implementers of this new creation can increase or decrease the items required for consumer loans according to actual operations.

In the embodiment of the present invention, the processor 110 obtains the corresponding credit contract from the storage 120 according to the credit request input by the consumer. Among them, the credit contract has various corresponding covenants. For example, when the credit contract is a house loan, the covenant includes the title of the house. At this time, the processor 110 also generates a checklist based on the credit requirements input by the consumer, and the checklist includes a contract checklist corresponding to the credit contract. In this way, consumers can check whether there are any missing contracts that have not been prepared according to the checklist, and consumers can check whether all contracts listed on the checklist have been signed.

In the embodiment of the present invention, since the consumer finance credit contract signing system 100 can provide a checklist, the bank's handlers do not need to prepare the contract based on their own experience or impressions, and the handlers can also avoid missing the contract. consumers.

Further, please refer to Figure 2A. Figure 2A is a conventional flow chart for signing a consumer credit contract. Please refer to Figure 2A. In process 201, the bank's handling staff completes the consumer loan case signing operation, that is, the handling staff confirms the type of consumer loan case that the consumer wants to apply for. In process 202, the bank's undertaking staff prepares the loan contract based on experience, that is, the undertaking prepares the corresponding contract and contract based on the past experience of undertaking the same or similar cases. It should be understood that different contractors have different experiences, so in process 202, the same case type will often appear, but due to different reasons among the handlers, different handlers prepare different contracts and contracts. This is also the case in this new creation. One of the problems that needs to be solved.

In process 203, the consumer signs a contract with the person responsible for the insurance. In process 204, the person in charge of the contract checks the documents with the audit form, that is, the person in charge of the contract checks whether the contents of the contract and guarantee are complete based on the public version of the audit form. It should be noted that the public version of the review form only includes the covenants that need to be prepared for all types of loan cases, and does not include additional covenants that need to be prepared in individual cases. The process 204 does not list the review tables corresponding to different cases, which is also one of the problems that needs to be solved in this new creation.

In the process 205, the handler obtains the missing contract document according to the process 204, and the handler provides the consumer with the contract that needs to be corrected to correct the missing contract. In process 206, after the consumer corrects the missing contract documents, the person in charge completes the review.

Figure 2B is a flow chart for signing a consumer credit contract created in accordance with the present invention. Please refer to Figure 2B. In process 211, the bank's handling staff completes the consumer loan case signing operation, that is, the handling staff confirms the type of consumer loan case that the consumer wants to apply for. In process 212, the person in charge inputs the consumer loan case type into the consumer finance credit contract signing system 100 created by the present invention. The consumer finance credit contract signing system 100 can prepare the loan contract and contract list according to the case type. In this process 212, it can be seen that since the consumer credit contract signing system 100 can automatically generate contracts and contracts, the risk of omissions caused by providing contracts and contracts based only on the experience of the person in charge is reduced. In addition, the consumer finance credit contract signing system 100 can also generate a corresponding list according to the type of case. The personnel in charge can check according to the content of the list during subsequent verification, without having to rely on the public version of the audit form to check, resulting in missing the required information for different cases. Agreement.

In process 213, the person in charge downloads and prints the contract, that is, the person in charge downloads and prints the contract and the contract generated by the consumer credit contract signing system 100, and the person in charge provides it to the consumer for signature, and then executes it. Process 214, which is contract signing and guarantee. Finally, the person responsible for process 215 completed the review.

In the embodiment of the present invention, the consumer credit contract signing system 100 may also include a server (not shown), and the server is coupled to the processor 110 . The server includes the latest versions of contracts and covenants corresponding to each loan requirement. The version numbers of the contract and covenants can be recorded at the top or bottom of the page of the contract and covenants, or can also be recorded in the name of the file. This new creation The implementer can record the contract and the version number of the contract in different ways according to actual needs as identification. The processor 110 may obtain the contract and the first version of the contract from the storage 120, and the processor 110 may obtain the corresponding contract and the second version of the contract from the server. The corresponding method is, for example, the processor 110 compares whether the file names are partially the same, or the processor 110 compares whether the titles in the files are the same.

In the embodiment of the present invention, after the processor 110 obtains the first version and the second version of the same contract or contract, the processor 110 compares the first version and the second version. If the processor 110 determines that the second version is later than the first version, for example, based on the encoding, it determines that the encoding of the second version is greater than the encoding of the first version, then the processor 110 determines that the contract on the server or the version of the contract is newer, and therefore processes The server 110 obtains the contract or agreement from the server and updates the contract or agreement in the storage 120 .

In the embodiment of the present invention, the processor 110 can update the required contract type and quantity on the checklist according to the consumer loan demand and the consumer's information. In the embodiment of the present invention, when the consumer loan demand is a housing loan demand, the processor 110 updates the contract of the housing title to the checklist. In other embodiments of the present invention, when the consumer loan demand is an expert financial loan demand, the processor 110 updates the contract of land or housing title-related data into the checklist. In other embodiments of the present invention, when the consumer is not engaged in any work, the processor 110 updates the contract of financial resources verification into the checklist.

In the embodiment of the present invention, the aforementioned consumer information may also include the consumer's associated information, repayment ability and age. The processor 110 can evaluate the risk of the consumer loan based on the consumer's information, and the processor 110 can update the content of the checklist and the corresponding contract number and contract content based on the risk.

In the embodiment of the present invention, after the processor 110 determines the checklist, the processor 110 prints the checklist and the contents of each contract listed in the checklist through a printer (not shown). That is to say, the processor 110 prints a paper copy of the checklist itself for subsequent verification. The processor 110 also opens the file corresponding to each contract listed on the checklist and prints the file.

In the embodiment of the present invention, the handler provides the aforementioned printed contract file to the consumer for signature, and the handler uploads the signed contract file to the consumer credit contract signing system by scanning or taking a photo. 100. The consumer credit contract signing system 100 can confirm that the signature of each contract belongs to the consumer by comparing the signature content in the signature area of each contract with the consumer's seal left in the bank. The handler can also witness the signing of each contract by the consumer to confirm that the signing of each contract belongs to the consumer. When the consumer finance credit contract signing system 100 confirms that the consumer has completed the signing of each contract, the consumer finance credit contract signing system 100 completes the signing of the credit contract.

In other embodiments of the present invention, consumers can also use electronic signatures to sign each contract. In this way, the processor 110 does not need to print each contract to reduce the use of paper. The processor 110 of the consumer credit contract signing system 100 can present the contents of each contract through the user interface 130 for consumers to browse the contents of each contract on the checklist. Consumers can browse and confirm the contents of each contract and sign each contract with an electronic signature. Moreover, the consumer finance credit contract signing system 100 can confirm that the signature of each contract belongs to the consumer by comparing the electronic signature left by the consumer in the bank with the electronic signature of each contract. When the consumer finance credit contract signing system 100 confirms that the consumer has completed the signing of each contract, the consumer finance credit contract signing system 100 completes the signing of the credit contract. The electronic signatures retained by the aforementioned consumers in the bank need to be stored in the bank's server through in-person application.

In the embodiment of the new invention, the organizer checks whether the content of the contract has been modified by the consumer. When the person in charge discovers that the content of the contract has been modified, the person in charge will confirm whether the modified content complies with the bank's regulations. After the handler confirms that the modified content meets the requirements, the handler can re-create and print a modified contract through the consumer credit contract signing system 100 for the consumer to sign. The person in charge then uploads the signed modified contract to the consumer credit contract signing system 100, and the processor 110 notes the contract modification mark on the credit contract. In this way, the consumer credit contract signing system 100 will not mistakenly use the modified contract as the contract of other consumers. The consumer credit contract signing system 100 will not consider the modified contract to be a newer version and mistakenly update the public version of the contract in the storage 120 .

In the embodiment of the present invention, the processor 110 of the consumer credit contract signing system 100 can also mark the credit contract with the contract modification mark and then mark the signing consumer. The processor 110 then stores the consumer's credit contract and the modified contract in the storage 120 as a template for the consumer's exclusive credit contract and corresponding contract. The processor 110 also prompts the consumer that the contract has been modified through the user interface 130 . In this way, when the same consumer handles the same credit request in the future, the processor 110 can obtain the modified contract from the storage 120 and provide it to the consumer, and the consumer does not need to modify the parts that need to be modified and the person who handles it. Confirm again. By storing consumers' exclusive contract templates, the consumer credit contract signing system 100 can save consumers time in signing the same credit requirements.

In the embodiment of the present invention, the consumer can also choose to sign the public version of the contract when signing the same credit request that has been signed in the past. When the person in charge uploads the signed public version of the contract to the consumer credit contract signing system 100, the processor 110 does not mark the contract modification mark on the contract.

In other embodiments of the present invention, consumers read the contents of each contract through the user interface 130 of the consumer credit contract signing system 100, and the consumer can modify the contract through the user interface 130. When the customer signs the contract with an electronic signature, the consumer credit contract signing system 100 discovers that the customer has modified the content of the contract, and the processor 110 prompts the handler through the user interface 130 that the customer has modified the contract, and the processor 110 The user interface 130 presents the modified portion of the customer contract.

In other embodiments of the present invention, after the person in charge confirms and agrees to the modified part of the contract, the consumer credit contract signing system 100 follows the process of the consumer modifying and signing the contract in paper form, and the consumer credit contract is signed. The system 100 creates a modified contract and stores the modified contract in the storage 120 after marking the consumer. When the same consumer handles the same credit request in the future, the processor 110 can obtain the modified contract from the storage 120 and provide it to the consumer for reading and signing through the user interface 130 .

In summary, through the consumer credit contract signing system provided by this new creation, it can list the required contracts and lists accordingly according to the type of loan required by the consumer and the consumer's basic information, which not only can avoid consumption If you miss to sign the necessary contracts, the bank agent can check one by one according to the list of different loan types to see if all the contracts have been signed during the review, so as to avoid the bank agent from missing to check the contracts based only on its own experience, and Avoid damage to bank claims.

100: Consumer finance credit contract signing system 110: Processor 120:Storage 130:User interface 201, 202, 203, 204, 205, 206, 211, 212, 213, 214, 215: Process

Figure 1 is a schematic diagram of the consumer credit contract signing system created by the present invention. Figure 2A is a conventional flow chart for signing a consumer credit contract. Figure 2B is a flow chart for signing a consumer credit contract created in accordance with the present invention.

100: Consumer finance credit contract signing system

110: Processor

120:Storage

130:User interface

Claims (10)

A consumer credit contract signing system, including: user interface; A storage device that stores multiple credit contracts and multiple covenants; and A processor coupled to the user interface and the storage, and configured to: Obtain the customer's credit needs from the user interface, where the credit needs include consumer loan needs; Obtain the first credit contract corresponding to the credit requirement among the credit contracts from the storage according to the credit requirement; Generate a first checklist based on the first credit contract, wherein the first checklist includes at least one of the covenants; In response to the customer signing the first credit contract, checking whether the customer has completed signing the at least one contract listed on the first checklist; and In response to the customer completing the signing of the at least one contract listed on the first checklist, the signing of the first credit contract is completed. The consumer credit contract signing system as described in claim 1 further includes: a server coupled to the processor, wherein the processor is further configured to execute: Obtain the first version of the first contract of the contracts from the storage; Obtain the second version of the first contract from the server; In response to the second version being later than the first version, the first contract is downloaded from the server to update the first contract stored in the storage. The consumer finance credit contract signing system as described in claim 1, wherein the consumer loan demand includes housing loan demand, expert financial loan demand, credit loan demand and youth entrepreneurship loan demand. The consumer credit contract signing system as described in claim 3, wherein the processor is further configured to execute: The first checklist is updated according to the consumer loan demand and the customer's information, where the customer's information includes the customer's joint information, the customer's repayment ability and the customer's age. The consumer credit contract signing system as described in claim 4, wherein the processor is further configured to execute: Print the contents of the first checklist and the contents of the at least one contract listed in the first checklist through a printer. The consumer credit contract signing system as described in claim 5, wherein the customer signs the at least one contract, and the processor is further configured to execute: Upload the signed at least one contract to the consumer credit contract signing system; Confirm that the signing of at least one of the contracts belongs to the customer; and In response to confirming that the customer completes the signing of the at least one contract, the signing of the first credit contract is completed. The consumer credit contract signing system as described in claim 4, wherein the processor is further configured to execute: The content of the at least one contract on the first checklist is presented through the user interface. The consumer credit contract signing system as described in claim 1, wherein the processor is further configured to execute: In response to the customer modifying the content of the at least one contract, prompting bank personnel to confirm the content; and In response to the bank personnel agreeing to modify the content, the content of the at least one contract is updated, and a contract modification mark is noted in the first credit contract. The consumer credit contract signing system as described in claim 8, wherein the processor is further configured to execute: In response to detecting the contract modification mark, mark the first credit contract and the content of the updated at least one contract to the customer, and mark the first credit contract and the updated content of the customer The content of the at least one contract is stored in the storage. The consumer credit contract signing system as described in claim 9, wherein the processor is further configured to execute: In response to re-obtaining the credit request of the customer from the user interface, obtaining the updated at least one contract from the storage; and Prompt the customer that at least one of the contracts has been modified through the user interface.

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