TWM650717U - System for automatic negotiation of loan interest rates - Google Patents

Abstract

This creation provides an automatic pricing system for lending interest rates, including an interface module and a processing module. The interface module provides a user interface that allows setting or selecting automatic quotations for loan cases. The processing module automatically checks whether the loan case is set or selected for automatic quoting on the transaction day. If so, it compares the new interest rate with the original interest rate of the loan case to confirm whether there is an interest rate change, where the new interest rate is obtained from an interest rate source. If there is a change in the interest rate, the processing module will update the interest rate of the loan case to the new interest rate and use it for transactions on that trading day.

Description

Lending interest rate automatic quotation system

This invention relates to a business processing system used in banks or financial institutions, especially a business processing system used for loans.

When a bank or financial institution provides lending services (for example, housing loans), if it is necessary to use a specific interest rate calculation source (for example, TIBOR interest rate) for lending transactions, you must manually check the exchange rate of the day, manually calculate the new interest rate, and then modify the loan. The new interest rate will only take effect after the supervisor releases it, and the transaction is within the renegotiation range and must be executed once in each period. The operation is highly repetitive and difficult to control.

In view of the problems in the prior art, this invention provides an automatic loan interest rate quoting system, including: an interface module that provides a user interface for processing a loan operation; and a processing module connected to the interface module; Among them: the user interface allows setting or selecting automatic pricing for a loan case; the processing module automatically checks whether the loan case has been set or selected as automatic pricing on a trading day, and if so, compares a new interest rate with the loan case An original interest rate to confirm whether there is an interest rate change, where the new interest rate is obtained from an interest rate source; if there is an interest rate change, the processing module updates the interest rate of the loan case to the new interest rate and uses it for the transaction day trade.

According to some specific embodiments of this invention, if there is a change in the interest rate, the processing module updates the interest rate effective date of the loan case accordingly.

According to some specific embodiments of this invention, if there is a change in the interest rate, the processing module is used to generate an updated loan amortization table.

According to some specific embodiments of this invention, if there is a change in the interest rate, the processing module notifies an agent and a customer corresponding to the loan case respectively.

According to some specific embodiments of this invention, the processing module counts loan cases that have successfully automatically raised prices on the same day, and generates a report.

According to some specific embodiments of this invention, the loan interest rate automatic pricing system is connected to an electronic device, and the electronic device is used to display the user interface.

Other purposes and advantages of the present invention are partly described in the following description, or may be understood through embodiments of the present invention. It should be understood that the foregoing creative content and the following implementation methods are only illustrative and explanatory descriptions, and do not limit the creative content as in the scope of the patent application.

Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this work belongs.

The words "one" and "B" used in this article, unless otherwise specified, refer to the quantity of at least one (one or more than one).

This project provides an automatic pricing system for loan interest rates, including: an interface module that provides a user interface for processing a loan operation; and A processing module connected to the interface module; in: The user interface allows setting or selecting automatic pricing for a loan case; The processing module automatically checks whether the loan case is set or selected to be automatically quoted on a trading day. If so, it compares a new interest rate with an original interest rate of the loan case to confirm whether there is an interest rate change. Among them, the new interest rate obtains from an interest rate source; and If there is a change in the interest rate, the processing module updates the interest rate of the loan case to the new interest rate and uses it for transactions on that trading day.

Each of the above modules may independently include a storage device, a processor and/or a communication chip. Examples of storage devices include hard drives, pen drives, memories, memory cards, etc. Examples of processors include integrated circuits such as microcontroller units, microprocessors, digital signal processors, application specific integrated circuits (ASICs), logic circuits, or other similar components or combinations thereof. Communication chips can be implemented as Long Term Evolution (LTE), Worldwide Interoperability for Microwave Access (WiMAX), Wireless Fidelity (Wi-Fi), Bluetooth transmission, Global Mobile Communications (GSM) or Personal Handheld Phone System (PHS) )wait.

In some embodiments, the interface module and the processing module are provided in a server. In other specific embodiments, the interface module and the processing module are respectively provided in different servers.

The "connection" mentioned in this article includes but is not limited to electrical connection, signal connection and/or communication connection.

The loan interest rate automatic pricing system of this invention can be connected to an electronic device, and the electronic device is used to display the user interface.

"Electronic devices" as mentioned in this article include, but are not limited to, desktop computers, laptops, tablets, or smartphones.

The loan operations include but are not limited to loan operations and customer repayment operations. The lending cases include but are not limited to housing loan cases.

Examples of such interest rate sources include the Tokyo Interbank Offered Rate (TIBOR) administration body of the Japan National Banks Association (JBA).

According to this invention, if the processing module confirms that there is an interest rate change, the processing module can perform the following operations: update the effective date of the interest rate for the loan case, produce an updated loan amortization schedule, and/or notify an individual separately. The person in charge and the client corresponding to the loan case.

In addition, the processing module can count the loan cases that were successfully automatically quoted on the same day and produce a report showing the relevant information of the loan cases.

In one example, the bank's handling staff checked the automatic bidding comment field for a loan case on the user interface. After checking, the loan case will be automatically bid on the next negotiation date. The system will check whether there are automatic quotation transactions every day, and perform the automatic quotation process when the system day is the next negotiation date of the loan case. The automatic quotation process is as follows: ① Calculate the new interest rate (for example, based on the TIBOR interest rate obtained the previous day), ② Update the interest rate effective date (if the interest rate changes), ③ Update the interest rate change record (if the interest rate changes), ④ Loan amortization The table is re-produced according to the new interest rate, ⑤ counts the loan cases with successful automatic quotations on the day and prepares the report, ⑥ sends interest rate change notification letters (if the interest rate changes).

A specific embodiment of the loan interest rate automatic pricing system of this invention will be described with reference to Figure 1 as follows.

The loan interest rate automatic pricing system 100 includes an interface module 110 and a processing module 120 . The processing module 120 and the interface module 110 are electrically connected or signal connected. In addition, the loan interest rate automatic pricing system 100 is communicatively connected with the electronic device 200 .

The interface module 110 provides a user interface through the electronic device 200, which can be used by bank personnel to process loan operations, for example, processing housing loan-related operations and customer repayment-related operations. The user interface provided by the interface module 110 allows the handler to set or select automatic pricing for a loan case.

The processing module 120 automatically checks whether the loan case is set or selected for automatic quoting on a trading day. If so, the processing module 120 compares the new interest rate obtained from an interest rate source with the original interest rate of the loan case to determine whether there is an interest rate change.

If there is a change in the interest rate after comparison, the processing module 120 automatically updates the interest rate of the loan case to the new interest rate, and uses it for the loan or loan-related transactions on the transaction day.

100:Lending interest rate automatic pricing system 110:Interface module 120: Processing module 200:Electronic devices

Figure 1 is a structural diagram of the loan interest rate automatic pricing system of this creation.

100:Lending interest rate automatic pricing system

110:Interface module

120: Processing module

200:Electronic devices

Claims (6)

An automatic pricing system for lending rates, including: an interface module that provides a user interface for processing a loan operation; and A processing module connected to the interface module; Among them: the user interface allows setting or selecting automatic pricing for a loan case; the processing module automatically checks whether the loan case has been set or selected as automatic pricing on a trading day, and if so, compares a new interest rate with the loan case An original interest rate to confirm whether there is an interest rate change, where the new interest rate is obtained from an interest rate source; if there is an interest rate change, the processing module updates the interest rate of the loan case to the new interest rate and uses it for the transaction day trade. For the loan interest rate automatic quoting system described in claim 1, if there is a change in the interest rate, the processing module updates the interest rate effective date of the loan case accordingly. For the loan interest rate automatic quoting system described in claim 1, if there is a change in the interest rate, the processing module is used to generate an updated loan amortization table. For example, in the loan interest rate automatic quoting system described in claim 1, if there is a change in the interest rate, the processing module will notify an agent and a customer corresponding to the loan case respectively. The loan interest rate automatic quoting system as described in claim 1, wherein the processing module counts loan cases with successful automatic quoting on the day and produces a report. The loan interest rate automatic pricing system described in claim 1 is connected to an electronic device, and the electronic device is used to display the user interface.

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