TWM633898U - Post-loan management system - Google Patents

Post-loan management system Download PDF

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TWM633898U
TWM633898U TW111209386U TW111209386U TWM633898U TW M633898 U TWM633898 U TW M633898U TW 111209386 U TW111209386 U TW 111209386U TW 111209386 U TW111209386 U TW 111209386U TW M633898 U TWM633898 U TW M633898U
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loan
guarantor
information
application
management system
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TW111209386U
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張力平
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臺灣銀行股份有限公司
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Abstract

本新型提供一種放貸後管理系統，接收貸款用戶針對所屬的貸款項目進行變更申請，上述放貸後管理系統包括申請模組、資料庫以及核對模組。上述核對模組，訊號連接上述申請模組以及上述資料庫，核對上述申請資訊以及上述貸款文件，當確認無誤時，將產生並傳輸待確認資訊至上述保證人裝置，以讓保證人透過上述保證人裝置進一步回傳確認資訊。其中，上述保證人裝置係先通過身分驗證，以確保均為保證人本人操作。透過本新型可解決過去貸款進行變更申請時，需要保證人親自臨櫃放貸銀行同意貸款變更申請的不便。The present invention provides a post-loan management system, which accepts loan users to apply for changes to their loan items. The above-mentioned post-loan management system includes an application module, a database, and a verification module. The above verification module is connected to the above application module and the above database by signal, and checks the above application information and the above loan documents. When the confirmation is correct, it will generate and transmit the information to be confirmed to the above guarantor device, so that the guarantor can further use the above guarantor device. Return confirmation information. Among them, the above-mentioned guarantor's device first passes identity verification to ensure that it is operated by the guarantor himself. The present invention can solve the inconvenience that the guarantor needs to personally come to the lending bank to agree to the loan modification application when applying for the modification of the loan in the past.

Description

放貸後管理系統Post-lending management system

一種貸款管理系統，特別是一種針對放貸後債務人針對貸款內容申請變更，並徵求保證人同意的放貸後管理系統。A loan management system, especially a post-loan management system for the debtor to apply for changes to the loan content after lending and to seek the consent of the guarantor.

根據金融監督管理委員會 (簡稱金管會)規定債務人 (貸款用戶)針對所屬的貸款申請變更時，除了放貸銀行要同意之外，針對特定的變更項目 (如，貸款展延)必須徵求保證人同意，方可完成變更。According to the provisions of the Financial Supervisory Commission (hereinafter referred to as the Financial Supervisory Commission), when the debtor (loan user) applies for a change in the loan, in addition to the approval of the lending bank, the guarantor must be sought for the consent of the specific change item (such as loan extension). Changes can be made.

然而，當前缺乏有效的身分驗證方法的前提下，仍然需要請保證人親自臨櫃放貸銀行，以完成保證人同意貸款申請變更的作業。可想而知，倘若保證人遲遲無法親自臨櫃放貸銀行，將導致貸款的變更無法執行，不僅使債務人的權益受損，對於放貸銀行也徒增許多未能完成的業務。However, under the premise that there is currently no effective identity verification method, it is still necessary to ask the guarantor to come to the lending bank in person to complete the operation of the guarantor agreeing to the change of the loan application. It is conceivable that if the guarantor is unable to visit the lending bank in person for a long time, the modification of the loan will not be implemented, which will not only damage the rights and interests of the debtor, but also increase a lot of unfinished business for the lending bank.

此外，核對變更申請所需的證明文件，當前仍以書面文件保存，不僅找尋不易亦浪費許多儲存空間。而針對申請變更後所更新的文件，亦造成許多重新歸檔上的困擾。In addition, the supporting documents required for checking the change application are still kept in written documents, which is not only difficult to find but also wastes a lot of storage space. For the updated documents after the application changes, it also caused many troubles in re-filing.

據此，如何開發出一種放貸後管理系統，以解決上述貸款變更流程難以配合保證人以及貸款文件管理的問題，即成為所屬技術領域中有待解決的問題。Accordingly, how to develop a post-lending management system to solve the above-mentioned problem that the loan change process is difficult to cooperate with the guarantor and the management of loan documents has become a problem to be solved in the technical field.

為解決上述問題，根據一實施例，本新型提供一種放貸後管理系統，訊號連接至少一貸款用戶所屬的貸款用戶裝置以及至少一保證人所屬的保證人裝置，以接收上述貸款用戶針對所屬的貸款項目進行變更申請，上述放貸後管理系統包括：申請模組、資料庫以及核對模組。In order to solve the above problems, according to an embodiment, the present invention provides a post-lending management system, which is signal-connected to at least one loan user device to which the loan user belongs and at least one guarantor device to which the guarantor belongs, so as to receive the above-mentioned loan user's payment for the loan project to which he belongs. For modification application, the above-mentioned post-lending management system includes: an application module, a database, and a verification module.

進一步地，上述申請模組，訊號連接上述貸款用戶裝置，用以接收上述貸款用戶針對上述變更申請傳輸的申請指令，並根據上述申請指令對應產生文件調閱指令以及申請資訊。上述資料庫，訊號連接上述申請模組，根據上述文件調閱指令提取對應的貸款文件。上述核對模組，訊號連接上述申請模組以及上述資料庫，用以核對上述申請資訊以及上述貸款文件，當確認無誤時，將產生並傳輸待確認資訊至上述保證人裝置，並根據上述變更申請核准與否對應產生申請結果資訊。其中，當上述保證人透過上述保證人裝置，基於上述待確認資訊回傳確認資訊至上述核對模組時，上述貸款用戶所申請的上述變更申請將被核准，並產生貸款變更資訊。Further, the above-mentioned application module is signal-connected to the above-mentioned loan user device to receive the application instruction transmitted by the above-mentioned loan user for the above-mentioned modification application, and correspondingly generate a document retrieval instruction and application information according to the above-mentioned application instruction. The above-mentioned database is signal-connected to the above-mentioned application module, and the corresponding loan documents are retrieved according to the above-mentioned document retrieval instruction. The above verification module is connected to the above application module and the above database by signal to check the above application information and the above loan documents. When the confirmation is correct, it will generate and transmit the information to be confirmed to the above guarantor device, and apply for approval according to the above changes Correspondingly generate application result information. Wherein, when the above-mentioned guarantor returns confirmation information to the above-mentioned checking module based on the above-mentioned information to be confirmed through the above-mentioned guarantor device, the above-mentioned change application applied by the above-mentioned loan user will be approved, and loan change information will be generated.

根據另一實施例，上述保證人裝置為具有SIM卡的可攜式裝置。其中，上述放貸後管理系統更包括約定模組，訊號連接上述保證人裝置以及上述核對模組，用以提供上述保證人約定上述SIM (Subscriber Identity Module)卡對應門號，並回傳約定資訊至該核對模組，作為傳輸該待確認資訊標的之依據。According to another embodiment, the above-mentioned guarantor device is a portable device with a SIM card. Wherein, the above-mentioned post-lending management system further includes an agreement module, which is connected to the above-mentioned guarantor device and the above-mentioned checking module by signal, to provide the door number corresponding to the above-mentioned SIM (Subscriber Identity Module) card agreed by the above-mentioned guarantor, and return the agreement information to the checking module The module is used as the basis for transmitting the information object to be confirmed.

根據另一實施例，上述放貸後管理系統更包括通知模組，訊號連接上述核對模組，係將上述申請結果資訊透過電子郵件、SMS (Short Message Service)簡訊或通訊軟體訊息傳輸至上述貸款用戶裝置。According to another embodiment, the above-mentioned post-lending management system further includes a notification module, which is connected to the above-mentioned verification module to transmit the above-mentioned application result information to the above-mentioned loan user through email, SMS (Short Message Service) or communication software messages device.

根據另一實施例，上述保證人裝置係為訊號連接讀卡機的計算機裝置，用以透過上述保證人***載有身分資訊的卡片至上述讀卡機，再透過上述計算機裝置接收上述待確認資訊及/或回傳上述確認資訊。其中，上述卡片為自然人憑證、健保卡或金融卡。According to another embodiment, the above-mentioned guarantor device is a computer device connected to the card reader through the above-mentioned guarantor, and is used to insert the card carrying the identity information into the above-mentioned card reader through the above-mentioned guarantor, and then receive the above-mentioned information to be confirmed and/or through the above-mentioned computer device Or return the above confirmation information. Wherein, the above-mentioned card is a certificate of a natural person, a health insurance card or a financial card.

根據另一實施例，上述貸款文件更包括至少證明文件，用以提供上述核對模組進行身分或貸款狀態的核對。其中，上述證明文件係來自於上述資料庫內的既有資訊或透過公開資訊平台取得。According to another embodiment, the above-mentioned loan documents further include at least certification documents for providing the verification module to verify the identity or loan status. Among them, the above-mentioned supporting documents are obtained from the existing information in the above-mentioned database or obtained through the public information platform.

根據另一實施例，上述核對模組係將上述貸款變更資訊傳輸並儲存於上述資料庫中。According to another embodiment, the above-mentioned verification module transmits and stores the above-mentioned loan change information in the above-mentioned database.

根據另一實施例，上述放貸後管理系統更包括查詢模組，訊號連接上述資料庫、上述貸款用戶裝置、上述保證人裝置以及行員裝置，用以接收上述貸款用戶裝置、上述保證人裝置或上述行員裝置傳輸貸款查詢指令，產生並傳輸查詢調閱指令至上述資料庫，以透過上述資料庫獲得對應的貸款資訊，並將上述貸款資訊傳輸至上述貸款用戶裝置、上述保證人裝置或上述行員裝置。According to another embodiment, the above-mentioned post-lending management system further includes a query module, which is signal-connected to the above-mentioned database, the above-mentioned loan user device, the above-mentioned guarantor device, and the above-mentioned clerk device, and is used to receive the above-mentioned loan user device, the above-mentioned guarantor device or the above-mentioned clerk device. Transmitting a loan query command, generating and transmitting a query query command to the above-mentioned database, so as to obtain corresponding loan information through the above-mentioned database, and transmit the above-mentioned loan information to the above-mentioned loan user device, the above-mentioned guarantor device or the above-mentioned clerk device.

本新型可主張的功效包括：(1) 透過本新型可讓保證人透過所屬的保證人裝置，即可對貸款變更項目進行審閱並進一步回傳確認資訊，以加快貸款變更申請的流程。(2) 承(1)，透過本新型可實現保證人透過所屬的保證人裝置進行貸款變更項目的同時，亦確保保證人的身分驗證，即透過臨櫃約定、約定門號及/或以具有身分資訊的卡片 (如，自然人憑證、健保卡或金融卡)進行事前或當下的驗證，以確保確認資訊為保證人本人回傳。(3) 所有貸款文件、貸款變更資訊、貸款文件 (如，申請書、證明文件)均會整合於資料庫中，並以預設條件進行歸檔 (如，案號、債務人或保證人)，從而取代過去書面文件的管理方式，提申管理與查詢的效率。The claimed functions of this new model include: (1) Through this new model, the guarantor can review the loan modification project through the guarantor’s device and further send back confirmation information to speed up the process of loan modification application. (2) Subsequent to (1), through this new model, the guarantor can carry out the loan modification project through the guarantor device, and at the same time ensure the identity verification of the guarantor, that is, through the appointment at the cabinet, the agreed door number and/or the identity information Cards (such as natural person certificates, health insurance cards or financial cards) are verified in advance or at the moment to ensure that the confirmation information is returned by the guarantor himself. (3) All loan documents, loan change information, loan documents (such as application, supporting documents) will be integrated in the database and filed with preset conditions (such as case number, debtor or guarantor), thereby replacing The management method of written documents in the past improves the efficiency of application management and inquiry.

為更具體說明本新型之各實施例，以下輔以附圖進行說明。In order to describe various embodiments of the present invention more specifically, the accompanying drawings are used for description below.

請參閱圖1，圖1所繪為根據本新型之一實施例之一種放貸後管理系統之第一架構示意圖。Please refer to FIG. 1 . FIG. 1 is a schematic diagram of the first architecture of a post-lending management system according to an embodiment of the present invention.

如圖1，根據一實施例，本新型提供一種放貸後管理系統100，訊號連接至少一貸款用戶所屬的貸款用戶裝置120以及至少一保證人所屬的保證人裝置140，以接收上述貸款用戶針對所屬的貸款項目進行變更申請，上述放貸後管理系統100包括：申請模組102、資料庫104以及核對模組106。上述申請模組102，訊號連接上述貸款用戶裝置120，用以接收上述貸款用戶針對上述變更申請傳輸的申請指令，並根據上述申請指令對應產生文件調閱指令以及申請資訊。上述資料庫104，訊號連接上述申請模組102，根據上述文件調閱指令提取對應的貸款文件。上述核對模組106，訊號連接上述申請模組102以及上述資料庫104，用以核對上述申請資訊以及上述貸款文件，當確認無誤時，將產生並傳輸待確認資訊至上述保證人裝置140，並根據上述變更申請核准與否對應產生申請結果資訊。其中，當上述保證人透過上述保證人裝置140，基於上述待確認資訊回傳確認資訊至上述核對模組106時，上述貸款用戶所申請的上述變更申請將被核准，並產生貸款變更資訊。上述放貸後管理系統100例如可為伺服器主機、租借的雲端主機或多個主機聯合形成的服務裝置，並具備資訊處理與網路連線能力。上述貸款用戶裝置120以及保證人裝置140例如可為具備連線能力或通訊能力的計算機裝置。As shown in Fig. 1, according to an embodiment, the present invention provides a post-lending management system 100, which is signal-connected to at least one loan user device 120 belonging to a loan user and at least one guarantor device 140 to which a guarantor belongs, so as to receive the loan for which the above-mentioned loan user belongs For project modification application, the post-lending management system 100 includes: an application module 102 , a database 104 and a checking module 106 . The above-mentioned application module 102 is connected to the above-mentioned loan user device 120 by signal, and is used for receiving the application instruction transmitted by the above-mentioned loan user for the above-mentioned change application, and correspondingly generating a document retrieval instruction and application information according to the above-mentioned application instruction. The above-mentioned database 104 is signally connected to the above-mentioned application module 102, and extracts the corresponding loan documents according to the above-mentioned document retrieval instruction. The verification module 106 is signal-connected to the application module 102 and the database 104 to verify the application information and the loan documents. When the confirmation is correct, it will generate and transmit the information to be confirmed to the guarantor device 140, and according to Whether the above-mentioned change application is approved or not corresponds to the application result information. Wherein, when the guarantor returns confirmation information to the verification module 106 through the guarantor device 140 based on the information to be confirmed, the change application applied by the loan user will be approved and loan change information will be generated. The above-mentioned post-lending management system 100 can be, for example, a server host, a rented cloud host, or a service device formed by combining multiple hosts, and has information processing and network connection capabilities. The aforementioned loan user device 120 and the guarantor device 140 may be, for example, computer devices with connection capability or communication capability.

根據另一實施例，上述保證人裝置140為具有SIM卡的可攜式裝置。其中，上述放貸後管理系統100更包括約定模組108，訊號連接上述保證人裝置140以及上述核對模組106，用以提供上述保證人約定上述SIM卡對應門號，並回傳約定資訊至該核對模組106，作為傳輸該待確認資訊標的之依據。例如，將約定完成門號對應的SIM卡***可攜式裝置 (如，智慧型手機或平板)中，即可透過上述可攜式裝置檢視待確認資訊 (確認貸款申請變更內容)，並進一步回傳確認資訊 (作為保證人，同意貸款申請變更內容)。According to another embodiment, the guarantor device 140 is a portable device with a SIM card. Among them, the above-mentioned post-lending management system 100 further includes an agreement module 108, which is connected to the above-mentioned guarantor device 140 and the above-mentioned verification module 106, to provide the above-mentioned guarantor to agree on the door number corresponding to the above-mentioned SIM card, and return the agreement information to the verification module. Set 106, as the basis for transmitting the information object to be confirmed. For example, insert the SIM card corresponding to the agreed completed door number into a portable device (such as a smart phone or a tablet), and you can view the information to be confirmed (confirm the change of the loan application) through the above portable device, and further reply Send confirmation information (as a guarantor, agree to change the content of the loan application).

根據另一實施例，待確認資訊係可透過任意可攜式裝置相容的傳輸方式進行傳輸，以提供保證人確認。例如，透過電子郵件、SMS簡訊或通訊軟體訊息係記載貸款申請變更內容以及確認網址，而保證人透過確認網址回傳確認資訊至放貸後管理系統100，其中確認網址係可為用於確認身分要求保證人填寫的資本資訊 (如，姓名、身份證字號或與貸款用戶關係等)以及是否同意本次貸款內容變更的勾選欄位。According to another embodiment, the information to be confirmed can be transmitted through any transmission method compatible with the portable device, so as to provide surety confirmation. For example, through email, SMS text message or communication software message, the change content of the loan application and the confirmation website are recorded, and the guarantor returns the confirmation information to the post-loan management system 100 through the confirmation website, where the confirmation website can be used to confirm the identity of the guarantor Fill in the capital information (such as name, ID card number or relationship with the loan user, etc.) and check whether to agree to the change of the loan content.

根據另一實施例，上述放貸後管理系統100更包括通知模組110，訊號連接上述核對模組106，係將上述申請結果資訊透過電子郵件、SMS簡訊或通訊軟體訊息傳輸至上述貸款用戶裝置120。According to another embodiment, the above-mentioned post-lending management system 100 further includes a notification module 110, which is signally connected to the above-mentioned verification module 106, and transmits the above-mentioned application result information to the above-mentioned loan user device 120 through email, SMS text message or communication software message .

根據另一實施例，上述保證人裝置140係為訊號連接讀卡機的計算機裝置，用以透過上述保證人***載有身分資訊的卡片至上述讀卡機，再透過上述計算機裝置接收上述待確認資訊及/或回傳上述確認資訊。其中，上述卡片為自然人憑證、健保卡或金融卡。例如，當保證人透過任意的方法，收到待確認資訊時，登入貸款銀行的網路銀行，以載有身分資訊的卡片至讀卡機確認身分後，直接在網路銀行回傳確認資訊 (作為保證人同意或不同意貸款變更申請)。According to another embodiment, the above-mentioned guarantor device 140 is a computer device connected to the card reader through the above-mentioned guarantor, and is used to insert the card carrying the identity information into the above-mentioned card reader through the above-mentioned guarantor, and then receive the above-mentioned information to be confirmed and /or return the above confirmation information. Wherein, the above-mentioned card is a certificate of a natural person, a health insurance card or a financial card. For example, when the guarantor receives the information to be confirmed through any method, he logs into the online banking of the lending bank, uses the card containing the identity information to the card reader to confirm the identity, and then directly returns the confirmation information on the online bank (as Guarantor agrees or disagrees with loan modification application).

根據另一實施例，上述貸款文件更包括至少證明文件，用以提供上述核對模組106進行身分或貸款狀態的核對。其中，上述證明文件係來自於上述資料庫104內的既有資訊或透過公開資訊平台 (如，MyData平台)取得。According to another embodiment, the above-mentioned loan documents further include at least certification documents for providing the verification module 106 to verify the identity or loan status. Wherein, the above-mentioned certification documents are obtained from existing information in the above-mentioned database 104 or through a public information platform (eg, MyData platform).

請參閱圖2，圖2所繪為根據本新型之一實施例之一種放貸後管理系統之第二架構示意圖。Please refer to FIG. 2 . FIG. 2 is a schematic diagram of a second structure of a post-lending management system according to an embodiment of the present invention.

如圖2，根據另一實施例，上述核對模組106係將上述貸款變更資訊傳輸並儲存於上述資料庫104中。As shown in FIG. 2 , according to another embodiment, the verification module 106 transmits and stores the loan modification information in the database 104 .

根據另一實施例，上述放貸後管理系統100更包括查詢模組112，訊號連接上述資料庫104、上述貸款用戶裝置120、上述保證人裝置140以及行員裝置160，用以接收上述貸款用戶裝置120、上述保證人裝置140或上述行員裝置160傳輸貸款查詢指令，產生並傳輸查詢調閱指令至上述資料庫104，以透過上述資料庫104獲得對應的貸款資訊，並將上述貸款資訊傳輸至上述貸款用戶裝置120、上述保證人裝置140或上述行員裝置160。According to another embodiment, the above-mentioned post-loan management system 100 further includes a query module 112, which is connected to the above-mentioned database 104, the above-mentioned loan user device 120, the above-mentioned guarantor device 140, and the staff device 160, and is used to receive the above-mentioned loan user device 120, The above-mentioned guarantor device 140 or the above-mentioned operator device 160 transmits a loan query command, generates and transmits a query query command to the above-mentioned database 104, so as to obtain corresponding loan information through the above-mentioned database 104, and transmit the above-mentioned loan information to the above-mentioned loan user device 120. The above-mentioned guarantor device 140 or the above-mentioned passenger device 160.

根據另一實施例，上述申請模組102、資料庫104、核對模組106、約定模組108、通知模組110以及查詢模組112可以由硬體電路與軟體來實現，或者全部由硬體電路來實現。According to another embodiment, the above-mentioned application module 102, database 104, verification module 106, appointment module 108, notification module 110, and query module 112 can be implemented by hardware circuits and software, or all of them can be implemented by hardware circuit to achieve.

請參照圖3，圖3所繪為根據本新型之一實施例之一種放貸後管理系統之實施流程圖。圖3包含步驟300-360，詳述如下。Please refer to FIG. 3 . FIG. 3 is an implementation flowchart of a post-lending management system according to an embodiment of the present invention. Figure 3 includes steps 300-360, which are described in detail below.

如步驟300，接收保證人裝置針對指定貸款進行變更所傳輸申請指令。上述變更例如可為貸款緩繳或展延。In step 300, the application instruction transmitted by the guarantor device for changing the designated loan is received. Such changes could be, for example, loan deferrals or deferrals.

如步驟310，根據申請指令產生申請資訊，並自資料庫調閱相關的貸款文件。上述貸款文件例如可為申請書或證明文件，其中上述證明文件係可來自於資料庫內的既有資訊或透過公開資訊平台取得。In step 310, the application information is generated according to the application instruction, and the relevant loan documents are retrieved from the database. The above-mentioned loan documents can be, for example, application letters or certification documents, wherein the above-mentioned certification documents can be obtained from existing information in a database or through a public information platform.

如步驟320，核對申請資訊與貸款文件是否無誤。如是，則繼續步驟330；如否，則跳至步驟360。其中，步驟320亦可包括放貸銀行是否同意本次貸款的變更申請，如放貸銀行同意且資料均無誤，方才繼續如步驟330。In step 320, check whether the application information and loan documents are correct. If yes, go to step 330 ; if no, go to step 360 . Wherein, step 320 may also include whether the lending bank agrees to the loan change application. If the lending bank agrees and the information is correct, proceed to step 330.

如步驟330，根據貸款文件所載的保證人，傳輸待確認資訊至保證人裝置。例如，待確認資訊係可透過電子郵件、SMS簡訊或通訊軟體訊息傳輸至保證人裝置。根據一實施例，在傳輸待確認資訊至保證人裝置前，上述保證人裝置需透過確認門號後方才接收上述待確認資訊，以確保係是保證人本人接收到上述待確認資訊。而確認門號的方式例如可為，事先臨櫃辦理約定門號或透過TWID身分識別中心的電信認證。根據另一實施例，傳輸待確認資訊至保證人裝置前，上述保證人裝置需透過載有身分資訊的卡片進行身分認證 (如，自然人憑證、健保卡或金融卡)後方才接收上述待確認資訊，以確保係是保證人本人接收到上述待確認資訊。In step 330, according to the guarantor contained in the loan document, the information to be confirmed is transmitted to the guarantor's device. For example, the information to be confirmed may be transmitted to the guarantor's device via email, SMS text message or messaging software message. According to an embodiment, before transmitting the information to be confirmed to the guarantor device, the guarantor device needs to confirm the door number before receiving the information to be confirmed, so as to ensure that the guarantor himself receives the information to be confirmed. The method of confirming the door number can be, for example, going to the cabinet in advance to handle the agreed door number or through the telecommunication authentication of the TWID identification center. According to another embodiment, before transmitting the information to be confirmed to the guarantor's device, the above-mentioned guarantor's device needs to perform identity authentication (such as a natural person certificate, health insurance card or financial card) through a card carrying identity information before receiving the above-mentioned to-be-confirmed information, in order to Make sure that the guarantor himself has received the above information to be confirmed.

如步驟340，保證人透過保證人裝置回傳的確認資訊，是否同意變更。如是，則繼續步驟350；如否，則跳至步驟370。根據一實施例，透過電子郵件、SMS簡訊或通訊軟體訊息係記載貸款申請變更內容以及確認網址，其確認網址具有用於確認身分要求保證人填寫的資本資訊 (如，姓名、身份證字號或與債務人關係等)以及是否同意本次貸款內容變更的勾選欄位，並當保證人填妥以上資訊並點選送出後，即作為回傳確認資訊。根據又一實施例，保證人在透過保證人裝置回傳確認資訊前，其保證人裝置需經過身分認證 (如，約定門號、電信認證、透過載有身分資訊的卡片認證，其分別執行的方式已由前文記載，在此不在贅述)。In step 340, whether the guarantor agrees to the modification is confirmed through the guarantor device's return confirmation information. If yes, go to step 350 ; if no, go to step 370 . According to one embodiment, emails, SMS text messages or communication software messages record loan application changes and confirmation URLs, and the confirmation URLs have capital information (such as name, ID number, or relationship with the debtor) that is used to confirm the identity and require the guarantor to fill in. relationship, etc.) and whether to agree to the change of the loan content, and when the guarantor fills in the above information and clicks to send, it will be sent back as confirmation information. According to yet another embodiment, before the guarantor sends back confirmation information through the guarantor device, the guarantor device needs to undergo identity authentication (such as agreeing on a door number, telecommunication authentication, and authentication through a card carrying identity information. The respective implementation methods have been determined by previously mentioned and will not be repeated here).

如步驟350，核准貸款變更申請，並進一步產生貸款變更資訊以儲存於資料庫中，便於日後貸款用戶、保證人或行員進行查閱。In step 350, the loan change application is approved, and loan change information is further generated to be stored in the database for future reference by loan users, guarantors or bankers.

如步驟360，拒絕貸款變更申請。In step 360, the loan modification application is rejected.

本新型在本文中僅以較佳實施例揭露，然任何熟習本技術領域者應能理解的是，上述實施例僅用於描述本新型，並非用以限定本新型所主張之專利權利範圍。舉凡與上述實施例均等或等效之變化或置換，皆應解讀為涵蓋於本新型之精神或範疇內。因此，本新型之保護範圍應以下述之申請專利範圍所界定者為準。The present invention is only disclosed in preferred embodiments, but anyone familiar with the technical field should understand that the above embodiments are only used to describe the present invention, and are not intended to limit the scope of patent rights claimed by the present invention. All changes or substitutions that are equal or equivalent to the above-mentioned embodiments should be interpreted as falling within the spirit or scope of the present invention. Therefore, the scope of protection of the present invention should be defined by the scope of the following patent application.

100:放貸後管理系統 102:申請模組 104:資料庫 106:核對模組 108:約定模組 110:通知模組 112:查詢模組 120:貸款用戶裝置 140:保證人裝置 160:行員裝置 300-360:步驟100: Post-loan management system 102: Application module 104: Database 106: check module 108: Agreement module 110:Notification module 112: query module 120: loan user device 140: Guarantor device 160: Crew device 300-360: Steps

為讓本新型之上述技術和其他目的、特徵、優點與實施例能更明顯易懂，所附附圖之說明如下： 圖1所繪為根據本新型之一實施例之一種放貸後管理系統之第一架構示意圖。 圖2所繪為根據本新型之一實施例之一種放貸後管理系統之第二架構示意圖。 圖3所繪為根據本新型之一實施例之一種放貸後管理系統之實施流程圖。In order to make the above-mentioned technology and other purposes, features, advantages and embodiments of the present model more obvious and easy to understand, the accompanying drawings are described as follows: Figure 1 is a drawing of a post-lending management system according to an embodiment of the present model Schematic diagram of the first architecture. FIG. 2 is a schematic diagram of a second structure of a post-lending management system according to an embodiment of the present invention. FIG. 3 is a flow chart of the implementation of a post-lending management system according to an embodiment of the present invention.

100:放貸後管理系統 100: Post-loan management system

102:申請模組 102: Application module

104:資料庫 104: Database

106:核對模組 106: check module

108:約定模組 108: Agreement module

110:通知模組 110:Notification module

120:貸款用戶裝置 120: loan user device

140:保證人裝置 140: Guarantor device

Claims (10)

一種放貸後管理系統，訊號連接至少一貸款用戶所屬的一貸款用戶裝置以及至少一保證人所屬的一保證人裝置，以接收該貸款用戶針對所屬的一貸款項目進行一變更申請，包括： 一申請模組，訊號連接該貸款用戶裝置，用以接收該貸款用戶針對該變更申請傳輸的一申請指令，並根據該申請指令對應產生一文件調閱指令以及一申請資訊； 一資料庫，訊號連接該申請模組，根據該文件調閱指令提取對應的一貸款文件；以及 一核對模組，訊號連接該申請模組以及該資料庫，用以核對該申請資訊以及該貸款文件，當確認無誤時，將產生並傳輸一待確認資訊至該保證人裝置，並根據該變更申請核准與否對應產生一申請結果資訊， 其中，當該保證人透過該保證人裝置，基於該待確認資訊回傳一確認資訊至該核對模組時，該貸款用戶所申請的該變更申請將被核准，並產生一貸款變更資訊。 A post-lending management system, signally connected to a loan user device belonging to at least one loan user and a guarantor device belonging to at least one guarantor, so as to receive a change application for a loan project to which the loan user belongs, including: An application module, connected to the loan user device by signal, is used to receive an application instruction transmitted by the loan user for the change application, and correspondingly generate a file access instruction and an application information according to the application instruction; a database, signally connected to the application module, and retrieve a corresponding loan document according to the document retrieval instruction; and A verification module, which connects the application module and the database to verify the application information and the loan document. When it is confirmed that it is correct, it will generate and transmit information to be confirmed to the guarantor device, and apply according to the change Whether it is approved or not corresponds to generate an application result information, Wherein, when the guarantor returns a confirmation message to the verification module based on the information to be confirmed through the guarantor device, the change application applied by the loan user will be approved and a loan change information will be generated. 如請求項1所述的放貸後管理系統，其中該保證人裝置為具有一SIM卡的一可攜式裝置。The post-loan management system as described in Claim 1, wherein the guarantor device is a portable device with a SIM card. 如請求項2所述的放貸後管理系統，其中更包括一約定模組，訊號連接該保證人裝置以及該核對模組，用以提供該保證人約定該SIM卡對應門號，並回傳一約定資訊至該核對模組，作為傳輸該待確認資訊標的之依據。The post-lending management system as described in Claim 2, which further includes an agreement module, which is signal-connected to the guarantor's device and the verification module, to provide the guarantor to agree on the door number corresponding to the SIM card, and return an agreement information to the verification module as the basis for transmitting the information object to be confirmed. 如請求項1所述的放貸後管理系統，其中更包括一通知模組，訊號連接該核對模組，係將該申請結果資訊透過一電子郵件、一SMS簡訊或一通訊軟體訊息傳輸至該貸款用戶裝置。The post-loan management system as described in claim 1, which further includes a notification module, the signal is connected to the verification module, and the application result information is transmitted to the loan through an email, an SMS message or a communication software message user device. 如請求項1所述的放貸後管理系統，其中該保證人裝置係為訊號連接一讀卡機的一計算機裝置，用以透過該保證人***載有身分資訊的一卡片至該讀卡機，再透過該計算機裝置接收該待確認資訊及/或回傳該確認資訊。The post-lending management system as described in claim 1, wherein the guarantor device is a computer device connected to a card reader through the guarantor, and is used to insert a card containing identity information into the card reader through the guarantor, and then through The computer device receives the information to be confirmed and/or sends back the confirmation information. 如請求項5所述的放貸後管理系統，其中該卡片為自然人憑證、健保卡或金融卡。The post-lending management system as described in Claim 5, wherein the card is a natural person certificate, a health insurance card or a financial card. 如請求項1所述的放貸後管理系統，其中該貸款文件更包括至少一證明文件，用以提供該核對模組進行身分或貸款狀態的核對。The post-lending management system as described in claim 1, wherein the loan file further includes at least one certification document for the checking module to check the identity or loan status. 如請求項7所述的放貸後管理系統，其中該證明文件係來自於該資料庫內的既有資訊或透過公開資訊平台取得。The post-lending management system as described in Claim 7, wherein the certification document is obtained from existing information in the database or obtained through a public information platform. 如請求項1所述的放貸後管理系統，其中該核對模組係將該貸款變更資訊傳輸並儲存於該資料庫中。The post-lending management system as described in Claim 1, wherein the verification module transmits and stores the loan change information in the database. 如請求項1或9所述的放貸後管理系統，其中更包括一查詢模組，訊號連接該資料庫、該貸款用戶裝置、該保證人裝置以及一行員裝置，用以接收該貸款用戶裝置、該保證人裝置或該行員裝置傳輸一貸款查詢指令，產生並傳輸一查詢調閱指令至該資料庫，以透過該資料庫獲得對應的一貸款資訊，並將該貸款資訊傳輸至該貸款用戶裝置、該保證人裝置或該行員裝置。The post-lending management system as described in Claim 1 or 9, which further includes a query module, which is connected to the database, the loan user device, the guarantor device and a member device for receiving the loan user device, the The guarantor device or the banker's device transmits a loan query command, generates and transmits a query query command to the database, so as to obtain a corresponding loan information through the database, and transmits the loan information to the loan user device, the The guarantor device or the crew device.
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