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TWM664397U - Loan Information Identity Verification System - Google Patents

Loan Information Identity Verification System Download PDF

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Publication number
TWM664397U
TWM664397U TW113209679U TW113209679U TWM664397U TW M664397 U TWM664397 U TW M664397U TW 113209679 U TW113209679 U TW 113209679U TW 113209679 U TW113209679 U TW 113209679U TW M664397 U TWM664397 U TW M664397U
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loan
processing unit
verification
data
customer
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TW113209679U
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陳泓志
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臺灣銀行股份有限公司
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Abstract

一種貸款資訊身份檢核系統,包含一通訊單元、一儲存單元及一電連接該通訊單元及該儲存單元的處理單元。當該處理單元獲得一的基本資料時,該處理單元至一貸款資料伺服器讀取對應該基本資料的一客戶資料並根據該客戶資料對該基本資料進行檢核。當檢核成功時,該處理單元再讀取對應該客戶資料的一貸款資料並根據一貸款資料檢核規則對該貸款資料進行檢核。當檢核成功時,該處理單元傳送一認證密碼至一終端行動裝置。當該處理單元比對從該終端行動裝置傳來的一回覆密碼與該認證密碼相同時,該處理單元傳送一認證成功訊息至該終端行動裝置。A loan information identity verification system includes a communication unit, a storage unit, and a processing unit electrically connected to the communication unit and the storage unit. When the processing unit obtains a basic data, the processing unit reads a customer data corresponding to the basic data from a loan data server and verifies the basic data according to the customer data. When the verification is successful, the processing unit reads a loan data corresponding to the customer data and verifies the loan data according to a loan data verification rule. When the verification is successful, the processing unit transmits an authentication password to a terminal mobile device. When the processing unit compares a reply password sent from the terminal mobile device with the authentication password and finds that the password is the same, the processing unit sends an authentication success message to the terminal mobile device.

Description

貸款資訊身份檢核系統Loan Information Identity Verification System

本新型是有關於一種檢核系統,特別是指一種貸款資訊身份檢核系統。The present invention relates to a verification system, in particular to a loan information identity verification system.

目前銀行在辦理數位金融服務時,確認是由客戶本人所操作為相當重要的流程,若無適當的身份認證,便可能造成難以挽回的資訊及財務的損失,因此銀行制定了許多身份驗證機制。然而,有部分客戶並無合適的工具進行數位金融服務或相關的身份驗證,因而無法體驗更為便利的數位金融服務辦理方式,而必須使用成本較高的實體金融服務,實有改善的必要。Currently, when banks provide digital financial services, confirming that it is the customer who is doing the operation is a very important process. Without proper identity authentication, it may cause irreparable information and financial losses. Therefore, banks have established many identity verification mechanisms. However, some customers do not have the appropriate tools for digital financial services or related identity verification, so they cannot experience the more convenient digital financial service processing method and must use more expensive physical financial services. There is a need for improvement.

因此,本新型之目的,即在提供一種貸款資訊身份檢核系統,能夠根據客戶的貸款資料進行驗證流程,且藉由客戶的基本資料及行動電話的裝置綁定確認是否為客戶本人操作,且根據貸款資料的紀錄亦能檢核該客戶的繳款紀錄是否良好,進而提供僅有貸款資料卻尚未開立帳戶的客戶更便利的數位金融服務,而至少能解決先前技術在身份驗證上的問題。Therefore, the purpose of the present invention is to provide a loan information identity verification system that can perform a verification process based on the customer's loan information, and confirm whether it is the customer himself through the customer's basic information and mobile phone device binding, and can also check whether the customer's payment record is good based on the loan information record, thereby providing more convenient digital financial services to customers who only have loan information but have not yet opened an account, and at least solve the problem of identity verification in previous technologies.

於是,本新型貸款資訊身份檢核系統,適用於一銀行的一貸款資料伺服器及一終端行動裝置,該貸款資料伺服器儲存有多筆客戶資料及多筆分別對應該等客戶資料的貸款資料。該貸款資訊身份檢核系統包含一通訊單元、一儲存單元,及一處理單元。該通訊單元具有連網功能,以通訊連接該貸款資料伺服器及該終端行動裝置。該儲存單元儲存有一貸款資料檢核規則。該處理單元電連接該通訊單元及該儲存單元。其中,當該處理單元藉由該通訊單元獲得從該終端行動裝置傳來的一對應於一客戶的基本資料時,該處理單元透過該通訊單元連接至該貸款資料伺服器,且該處理單元根據該基本資料從該貸款資料伺服器的該等客戶資料中讀取該對應該基本資料的客戶資料,且該處理單元根據該客戶資料對該基本資料進行一身份檢核。當該處理單元完成該身份檢核且產生一身份檢核成功訊息時,該處理單元再根據該客戶資料從該貸款資料伺服器的該等貸款資料中讀取該對應該客戶資料的貸款資料,且該處理單元從該儲存單元讀取該貸款資料檢核規則,以根據該貸款資料檢核規則對該貸款資料進行一貸款檢核。當該處理單元完成該貸款檢核且產生一貸款檢核成功訊息時,該處理單元產生一認證密碼,且將該認證密碼傳送至該終端行動裝置。當該處理單元接收到從該終端行動裝置傳來的一回覆密碼,且該處理單元比對該認證密碼與該回覆密碼完全相同時,該處理單元傳送一認證成功訊息至該終端行動裝置。Therefore, the new loan information identity verification system is applicable to a loan data server and a terminal mobile device of a bank. The loan data server stores multiple customer data and multiple loan data corresponding to the customer data. The loan information identity verification system includes a communication unit, a storage unit, and a processing unit. The communication unit has a networking function to connect the loan data server and the terminal mobile device for communication. The storage unit stores a loan data verification rule. The processing unit is electrically connected to the communication unit and the storage unit. When the processing unit obtains basic data corresponding to a customer transmitted from the terminal mobile device through the communication unit, the processing unit is connected to the loan data server through the communication unit, and the processing unit reads the customer data corresponding to the basic data from the customer data of the loan data server according to the basic data, and the processing unit performs an identity check on the basic data according to the customer data. When the processing unit completes the identity verification and generates an identity verification success message, the processing unit reads the loan data corresponding to the customer data from the loan data server according to the customer data, and the processing unit reads the loan data verification rule from the storage unit to perform a loan verification on the loan data according to the loan data verification rule. When the processing unit completes the loan verification and generates a loan verification success message, the processing unit generates an authentication password and transmits the authentication password to the terminal mobile device. When the processing unit receives a reply password from the terminal mobile device, and the processing unit compares the authentication password with the reply password and finds that they are exactly the same, the processing unit sends an authentication success message to the terminal mobile device.

在一些實施態樣中,該基本資料及每一該客戶資料皆分別包括多個項目,該等項目至少包括一貸款帳號、一貸款人姓名、一貸款人編號,及一行動電話號碼。In some implementations, the basic information and each of the customer information respectively include multiple items, which include at least a loan account number, a lender name, a lender number, and a mobile phone number.

在一些實施態樣中,當該處理單元比對該基本資料的該貸款帳號與任一該客戶資料的該貸款帳號相同時,該處理單元判斷該客戶資料對應於該基本資料。In some implementations, when the processing unit compares the loan account number of the basic data with the loan account number of any of the customer data and finds that the loan account number is the same, the processing unit determines that the customer data corresponds to the basic data.

在一些實施態樣中,該處理單元根據該客戶資料判斷該基本資料是否檢核成功的方式為:當該處理單元比對該基本資料的該等項目與對應的該客戶資料的該等項目相符合時,該處理單元根據該行動電話號碼傳送一驗證訊息至該終端行動裝置,當該處理單元接收到由該終端行動裝置傳來的一驗證回覆訊息,並比對該驗證訊息與該驗證回覆訊息相符合時,該處理單元判定為檢核成功,並產生該身份檢核成功訊息。當該處理單元比對該驗證訊息與該驗證回覆訊息沒有相符合時,該處理單元判定為檢核失敗,並產生一身份檢核失敗訊息。當該處理單元比對該基本資料的該等項目與對應的該客戶資料的該等項目沒有相符合時,該處理單元判定為檢核失敗,並產生該身份檢核失敗訊息。In some implementations, the processing unit determines whether the basic data is successfully verified based on the customer data in the following manner: when the processing unit compares the items of the basic data with the corresponding items of the customer data, the processing unit sends a verification message to the terminal mobile device according to the mobile phone number, and when the processing unit receives a verification reply message from the terminal mobile device and compares the verification message with the verification reply message, the processing unit determines that the verification is successful and generates the identity verification success message. When the processing unit compares the verification message with the verification reply message and does not match, the processing unit determines that the verification fails and generates an identity verification failure message. When the processing unit compares the items of the basic data with the items of the corresponding customer data and finds no match, the processing unit determines that the verification has failed and generates the identity verification failure message.

在一些實施態樣中,每一該貸款資料包括該貸款帳號、一貸款金額、一貸款期數,及一異常狀況。當該處理單元根據該貸款資料檢核規則對該貸款資料完成該貸款檢核,且該異常狀況不為一催收及一呆帳之其中一者時,該處理單元判定為檢核成功,並產生該貸款檢核成功訊息。當該處理單元根據該貸款資料檢核規則對該貸款資料完成該貸款檢核,且該異常狀況為該催收及該呆帳之其中一者時,該處理單元判定為檢核失敗,並產生一貸款檢核失敗訊息In some implementations, each of the loan data includes the loan account number, a loan amount, a loan term, and an abnormal condition. When the processing unit completes the loan check on the loan data according to the loan data check rule, and the abnormal condition is not one of a collection and a bad debt, the processing unit determines that the check is successful and generates a loan check success message. When the processing unit completes the loan check on the loan data according to the loan data check rule, and the abnormal condition is one of the collection and the bad debt, the processing unit determines that the check fails and generates a loan check failure message.

本新型之功效在於:藉由上述的檢核流程,本新型貸款資訊身份檢核系統能夠根據該客戶的該基本資料與該貸款資料伺服器的該客戶資料進行該身份檢核,並於該身份檢核成功時,再根據該客戶資料的該貸款帳號從該貸款資料伺服器讀取對應的該貸款資料,且根據貸款資料檢核規則進行該貸款檢核,並於該貸款檢核成功時,產生該認證密碼,且於根據該認證密碼比對該回覆密碼完全相同時,傳送該認證成功訊息至該終端行動裝置,以使該客戶能進行後續的數位金融服務,藉此解決先前技術上無法提供僅有貸款資料卻尚未開立帳戶的客戶驗證流程的問題。The utility model is that: through the above-mentioned verification process, the new loan information identity verification system can perform the identity verification according to the basic information of the customer and the customer information of the loan information server, and when the identity verification is successful, the corresponding loan information is read from the loan information server according to the loan account number of the customer information, and the loan information verification rule is followed. The loan is then checked, and when the loan is successfully checked, the authentication password is generated. When the authentication password is compared with the reply password and they are exactly the same, the authentication success message is sent to the terminal mobile device so that the customer can carry out subsequent digital financial services, thereby solving the problem that the previous technology cannot provide a customer verification process for customers who only have loan information but have not yet opened an account.

在本新型被詳細描述之前應當注意:在未特別定義的情況下,本專利說明書中所述的「電連接(electrically connected)」是用來描述電腦硬體(例如電子系統、設備、裝置、單元、元件)之間的「耦接(coupled)」關係,且泛指複數電腦硬體之間透過導體/半導體材料彼此實體相連而實現的「有線電連接」,以及利用無線通訊技術(例如但不限於無線網路、藍芽及電磁感應等)而實現無線資料傳輸的「無線電連接」。另一方面,在未特別定義的情況下,本專利說明書中所述的「電連接」也泛指複數電腦硬體之間彼此直接耦接而實現的「直接電連接」,以及複數電腦硬體之間是透過其他電腦硬體間接耦接而實現的「間接電連接」。Before the present invention is described in detail, it should be noted that, unless otherwise specifically defined, the term "electrically connected" in this patent specification is used to describe the "coupled" relationship between computer hardware (e.g., electronic systems, equipment, devices, units, components), and generally refers to "wired electrical connections" achieved by physically connecting multiple computer hardware through conductors/semiconductor materials, and "radio connections" that achieve wireless data transmission using wireless communication technology (e.g., but not limited to wireless networks, Bluetooth, and electromagnetic induction, etc.). On the other hand, unless otherwise specifically defined, the "electrical connection" described in this patent specification also generally refers to a "direct electrical connection" achieved by directly coupling multiple computer hardware to each other, and an "indirect electrical connection" achieved by indirectly coupling multiple computer hardware through other computer hardware.

在本新型被詳細描述之前應當注意:本專利說明書中所述的「單元(unit)」是代表電腦硬體而非軟體,舉例來說,「處理單元」是用來代表具備資料處理功能的電腦硬體。另一方面,本專利說明書中所述的「單元」可以是指具備特定功能的單一個電腦硬體,也可以是指具備類似功能的一群電腦硬體,舉例來說,「處理單元」可以是指具備資料處理功能的單一個處理器,但也可以是指一群處理器的集合。Before the present invention is described in detail, it should be noted that the "unit" described in this patent specification represents computer hardware rather than software. For example, a "processing unit" is used to represent computer hardware with data processing functions. On the other hand, the "unit" described in this patent specification can refer to a single computer hardware with a specific function, or a group of computer hardware with similar functions. For example, a "processing unit" can refer to a single processor with data processing functions, but it can also refer to a collection of a group of processors.

參閱圖1,本新型貸款資訊身份檢核系統1之一實施例,適用於一銀行的一貸款資料伺服器8及一終端行動裝置9,該貸款資料伺服器8儲存有多筆客戶資料及多筆分別對應該等客戶資料的貸款資料;該貸款資訊身份檢核系統1包含一通訊單元2、一儲存單元3,及一處理單元4。每一該客戶資料皆分別包括多個項目,該等項目至少包括一貸款帳號、一貸款人姓名、一貸款人編號,及一行動電話號碼。每一該貸款資料包括該貸款帳號、一貸款金額、一貸款期數,及一異常狀況。Referring to FIG. 1 , an embodiment of the novel loan information identity verification system 1 is applicable to a loan data server 8 and a terminal mobile device 9 of a bank. The loan data server 8 stores a plurality of customer data and a plurality of loan data corresponding to the customer data. The loan information identity verification system 1 comprises a communication unit 2, a storage unit 3, and a processing unit 4. Each of the customer data comprises a plurality of items, which at least comprise a loan account number, a loan borrower name, a loan borrower number, and a mobile phone number. Each of the loan data comprises the loan account number, a loan amount, a loan term, and an abnormal condition.

該通訊單元2例如是支援有線網路技術(如乙太網路)或無線網路技術(如Wi-Fi)的晶片或設備,並提供連網功能,以透過網路通訊連接該貸款資料伺服器8(例如一電腦裝置(圖未示))及該終端行動裝置9,例如透過網際網路與該貸款資料伺服器8及該終端行動裝置9連線以與該貸款資料伺服器8及該終端行動裝置9傳輸資料或接收資料。The communication unit 2 is, for example, a chip or device that supports wired network technology (such as Ethernet) or wireless network technology (such as Wi-Fi), and provides networking functionality to connect the loan data server 8 (such as a computer device (not shown)) and the terminal mobile device 9 through network communication, for example, to connect to the loan data server 8 and the terminal mobile device 9 through the Internet to transmit or receive data with the loan data server 8 and the terminal mobile device 9.

該儲存單元3例如是記憶體、硬碟或其他儲存設備,並儲存有一貸款資料檢核規則。The storage unit 3 is, for example, a memory, a hard disk or other storage device, and stores a loan data checking rule.

該處理單元4例如是中央處理器或微處理器,且電連接該通訊單元2及該儲存單元3。The processing unit 4 is, for example, a central processing unit or a microprocessor, and is electrically connected to the communication unit 2 and the storage unit 3 .

藉此,在一種實施態樣中,當一客戶使用該貸款資訊身份檢核系統1的一服務頁面(例如但不限於一應用程式之頁面)且從該終端行動裝置9傳送一基本資料至該服務頁面,並欲進行相關數位金融服務時。該基本資料包括該等項目,該等項目至少包括該貸款帳號、該貸款人姓名、該貸款人編號,及該行動電話號碼。該處理單元4藉由該通訊單元2由該服務頁面上獲得從該客戶的該終端行動裝置9傳來的該對應於該客戶的基本資料,該處理單元4透過該通訊單元2連接至該貸款資料伺服器8,並且登入由該貸款資料伺服器8所產生的一客戶資料查詢頁面。Thus, in one implementation, when a customer uses a service page (such as but not limited to a page of an application) of the loan information identity verification system 1 and transmits basic data from the terminal mobile device 9 to the service page and wants to perform relevant digital financial services, the basic data includes the items, which at least include the loan account number, the borrower's name, the borrower number, and the mobile phone number. The processing unit 4 obtains the basic data corresponding to the customer from the terminal mobile device 9 of the customer from the service page through the communication unit 2. The processing unit 4 is connected to the loan data server 8 through the communication unit 2 and logs into a customer data query page generated by the loan data server 8.

接著,該處理單元4將該基本資料的該貸款帳號輸入至該客戶資料查詢頁面中進行查詢,使得該貸款資料伺服器8能根據該貸款帳號產生出一客戶資料查詢結果。當該客戶資料查詢結果顯示出至少一該客戶資料及該客戶資料的該貸款帳號時,該處理單元4將該基本資料的該貸款帳號與該客戶資料的該貸款帳號進行比對。藉此,當該處理單元4比對該基本資料的該貸款帳號與任一該客戶資料的該貸款帳號相同時,該處理單元4判斷該客戶資料對應於該基本資料,並且從該貸款資料伺服器8中讀取並下載該客戶資料。反之,當該處理單元4將該基本資料的該貸款帳號輸入至該客戶資料查詢頁面中進行查詢以產生該客戶資料查詢結果,且該客戶資料查詢結果顯示一無相關資料訊息時,該處理單元4將該無相關資料訊息顯示至該服務頁面,使得該客戶能透過該終端行動裝置9查看。Next, the processing unit 4 inputs the loan account number of the basic data into the customer data query page for query, so that the loan data server 8 can generate a customer data query result according to the loan account number. When the customer data query result displays at least one customer data and the loan account number of the customer data, the processing unit 4 compares the loan account number of the basic data with the loan account number of the customer data. Thus, when the processing unit 4 compares the loan account number of the basic data with the loan account number of any of the customer data and finds that the loan account number is the same, the processing unit 4 determines that the customer data corresponds to the basic data, and reads and downloads the customer data from the loan data server 8. On the contrary, when the processing unit 4 inputs the loan account number of the basic data into the customer data query page for query to generate the customer data query result, and the customer data query result displays a message of no relevant data, the processing unit 4 displays the message of no relevant data on the service page, so that the customer can view it through the terminal mobile device 9.

藉此,當該處理單元4下載該客戶資料後,該處理單元4根據該客戶資料對該基本資料進行一身份檢核,而在該身份檢核當中,該處理單元4根據該客戶資料判斷該基本資料是否檢核成功的方式為:比對該基本資料的該等項目與對應的該客戶資料的該等項目是否相符合,以及確認該客戶使用的該終端行動裝置9是否使用該客戶資料的該行動電話號碼。藉此,當該處理單元4將該基本資料的該等項目與對應的該客戶資料的該等項目進行比對,且該處理單元4比對出該基本資料的該等項目與對應的該客戶資料的該等項目皆完全相符合時,該處理單元4便會將一驗證訊息傳送到該客戶資料的該行動電話號碼所綁定的該終端行動裝置9當中,並且從該服務頁面請該客戶藉由該終端行動裝置9輸入一驗證回覆訊息。藉此,當該處理單元4接收到由該終端行動裝置9傳來的該驗證回覆訊息,並比對該驗證訊息與該驗證回覆訊息相符合時,該處理單元4便能確認該客戶使用的該終端行動裝置9綁定於該客戶資料的該行動電話號碼。因此,該處理單元4判定為檢核成功,並產生一身份檢核成功訊息,且該處理單元4將該身份檢核成功訊息顯示於該服務頁面。Thus, after the processing unit 4 downloads the customer data, the processing unit 4 performs an identity check on the basic data based on the customer data. During the identity check, the processing unit 4 determines whether the basic data is successfully checked based on the customer data by comparing the items of the basic data with the corresponding items of the customer data to see whether they are consistent, and confirming whether the terminal mobile device 9 used by the customer uses the mobile phone number of the customer data. Thus, when the processing unit 4 compares the items of the basic data with the items of the corresponding customer data, and the processing unit 4 finds that the items of the basic data and the items of the corresponding customer data are completely consistent, the processing unit 4 will send a verification message to the terminal mobile device 9 bound to the mobile phone number of the customer data, and ask the customer to enter a verification reply message through the terminal mobile device 9 from the service page. Thus, when the processing unit 4 receives the verification reply message sent by the terminal mobile device 9 and compares the verification message with the verification reply message, the processing unit 4 can confirm the mobile phone number bound to the customer information by the terminal mobile device 9 used by the customer. Therefore, the processing unit 4 determines that the verification is successful and generates an identity verification success message, and the processing unit 4 displays the identity verification success message on the service page.

反之,當該處理單元4將該基本資料的該等項目與對應的該客戶資料的該等項目進行比對,且該處理單元4比對該基本資料的該等項目與對應的該客戶資料的該等項目皆完全相符合,但當該處理單元4接收到由該終端行動裝置9傳來的該驗證回覆訊息,而比對該驗證訊息與該驗證回覆訊息沒有相符合時,由於該處理單元4無法確認該客戶使用的該終端行動裝置9是否綁定於該客戶資料的該行動電話號碼,因此,該處理單元4判定為檢核失敗,並產生一身份檢核失敗訊息,且該處理單元4將該身份檢核失敗訊息顯示於該服務頁面。On the contrary, when the processing unit 4 compares the items of the basic data with the items of the corresponding customer data, and the items of the basic data compared by the processing unit 4 are completely consistent with the items of the corresponding customer data, but when the processing unit 4 receives the verification reply message transmitted by the terminal mobile device 9, and the verification message is not consistent with the verification reply message, since the processing unit 4 cannot confirm whether the terminal mobile device 9 used by the customer is bound to the mobile phone number of the customer data, the processing unit 4 determines that the verification has failed, and generates an identity verification failure message, and the processing unit 4 displays the identity verification failure message on the service page.

然而,當該處理單元4將該基本資料的該等項目與對應的該客戶資料的該等項目進行比對,且該處理單元4比對該基本資料的該等項目與對應的該客戶資料的該等項目沒有完全相符合時,該處理單元4便會直接判定為檢核失敗,並產生該身份檢核失敗訊息,且該處理單元4將該身份檢核失敗訊息顯示於該服務頁面。However, when the processing unit 4 compares the items of the basic data with the items of the corresponding customer data, and the items of the basic data compared by the processing unit 4 are not completely consistent with the items of the corresponding customer data, the processing unit 4 will directly determine that the verification has failed and generate the identity verification failure message, and the processing unit 4 will display the identity verification failure message on the service page.

藉此,當該處理單元4完成該身份檢核且產生該身份檢核成功訊息時,該處理單元4再登入由該貸款資料伺服器8所產生的一貸款資料查詢頁面,並且將該客戶資料的該貸款帳號輸入至該貸款資料查詢頁面,使得該貸款資料伺服器8能根據該客戶資料的該貸款帳號對該等貸款資料進行比對,並顯示出該貸款帳號與該客戶資料的該貸款帳號相符合的該貸款資料,且該處理單元4讀取該貸款資料並下載至該儲存單元3。並且,該處理單元4從該儲存單元3當中讀取該貸款資料檢核規則,以根據該貸款資料檢核規則對該貸款資料進行一貸款檢核。接著,當該處理單元4根據該貸款資料檢核規則對該貸款資料完成該貸款檢核,且該處理單元4檢核出該異常狀況不為該催收及該呆帳之其中一者時,該處理單元4判定為檢核成功,並產生一貸款檢核成功訊息,且該處理單元4將該貸款檢核成功訊息顯示於該服務頁面。Thereby, when the processing unit 4 completes the identity verification and generates the identity verification success message, the processing unit 4 then logs into a loan data query page generated by the loan data server 8, and inputs the loan account number of the customer data into the loan data query page, so that the loan data server 8 can compare the loan data according to the loan account number of the customer data, and display the loan data whose loan account number matches the loan account number of the customer data, and the processing unit 4 reads the loan data and downloads it to the storage unit 3. Furthermore, the processing unit 4 reads the loan data verification rule from the storage unit 3 to perform a loan verification on the loan data according to the loan data verification rule. Then, when the processing unit 4 completes the loan verification on the loan data according to the loan data verification rule, and the processing unit 4 verifies that the abnormal situation is not one of the collection and the bad debt, the processing unit 4 determines that the verification is successful, and generates a loan verification success message, and the processing unit 4 displays the loan verification success message on the service page.

反之,當該處理單元4根據該貸款資料檢核規則對該貸款資料完成該貸款檢核,且該處理單元4檢核出該異常狀況為該催收及該呆帳之其中一者時,該處理單元4判定為檢核失敗,並產生一貸款檢核失敗訊息,且該處理單元4將該貸款檢核失敗訊息顯示於該服務頁面。On the contrary, when the processing unit 4 completes the loan check on the loan data according to the loan data check rules, and the processing unit 4 checks that the abnormal situation is one of the collection and the bad debt, the processing unit 4 determines that the check has failed and generates a loan check failure message, and the processing unit 4 displays the loan check failure message on the service page.

接著,當該處理單元4完成該貸款檢核且產生該貸款檢核成功訊息時,該處理單元4便會產生一認證密碼,且將該認證密碼傳送至該終端行動裝置9,以進行最後的確認。當該客戶藉由該終端行動裝置9接收到該認證密碼,並透過該終端行動裝置9將一回覆密碼輸入至該服務頁面,使得該處理單元4接收到從該終端行動裝置9傳來的該回覆密碼時,該處理單元4將該認證密碼與該回覆密碼進行比對,當該處理單元4比對出該認證密碼與該回覆密碼完全相同時,該處理單元4傳送一認證成功訊息至該終端行動裝置9,以通知該客戶能進行後續的數位金融服務。Then, when the processing unit 4 completes the loan verification and generates the loan verification success message, the processing unit 4 generates a verification password and transmits the verification password to the terminal mobile device 9 for final confirmation. When the customer receives the authentication password through the terminal mobile device 9 and enters a reply password into the service page through the terminal mobile device 9, so that the processing unit 4 receives the reply password transmitted from the terminal mobile device 9, the processing unit 4 compares the authentication password with the reply password. When the processing unit 4 compares that the authentication password and the reply password are exactly the same, the processing unit 4 sends an authentication success message to the terminal mobile device 9 to notify the customer that he can perform subsequent digital financial services.

綜上所述,藉由上述的檢核流程,本新型貸款資訊身份檢核系統1能夠根據該客戶的該基本資料與該貸款資料伺服器8的該客戶資料進行該身份檢核,且根據該行動電話號碼確認該客戶的該終端行動裝置9,並於該身份檢核成功時,再根據該客戶資料的該貸款帳號從該貸款資料伺服器8讀取對應的該貸款資料,且根據該貸款資料檢核規則進行該貸款檢核,並於該貸款檢核成功時,產生該認證密碼,且於根據該認證密碼比對該回覆密碼完全相同時,傳送該認證成功訊息至該終端行動裝置9,以使該客戶能進行後續的數位金融服務,藉此解決先前技術上無法提供僅有貸款資料卻尚未開立帳戶的客戶驗證流程的問題,故確實能達成本新型之目的。In summary, through the above verification process, the new loan information identity verification system 1 can perform the identity verification based on the basic information of the customer and the customer information of the loan information server 8, and confirm the terminal mobile device 9 of the customer based on the mobile phone number, and when the identity verification is successful, read the corresponding loan information from the loan information server 8 according to the loan account number of the customer information, and The loan data verification rules are used to perform the loan verification, and when the loan verification is successful, the authentication password is generated. When the authentication password is compared with the reply password and they are exactly the same, the authentication success message is sent to the terminal mobile device 9 so that the customer can perform subsequent digital financial services. This solves the problem that the previous technology cannot provide a customer verification process for customers who only have loan data but have not yet opened an account, so the purpose of this new technology can be achieved.

惟以上所述者,僅為本新型之實施例而已,當不能以此限定本新型實施之範圍,凡是依本新型申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾,皆仍屬本新型專利涵蓋之範圍內。However, the above is only an example of the implementation of the present invention, and it cannot be used to limit the scope of the implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the present patent.

1:貸款資訊身份檢核系統 2:通訊單元 3:儲存單元 4:處理單元 8:貸款資料伺服器 9:終端行動裝置1: Loan information identity verification system 2: Communication unit 3: Storage unit 4: Processing unit 8: Loan data server 9: Terminal mobile device

本新型之其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中: 圖1是本新型貸款資訊身份檢核系統的一實施例的一主要組成元件方塊圖。Other features and functions of the present invention will be clearly presented in the implementation method of the reference drawings, in which: Figure 1 is a block diagram of the main components of an implementation example of the present invention's loan information identity verification system.

1:貸款資訊身份檢核系統 1: Loan information identity verification system

2:通訊單元 2: Communication unit

3:儲存單元 3: Storage unit

4:處理單元 4: Processing unit

8:貸款資料伺服器 8: Loan data server

9:終端行動裝置 9: Terminal mobile device

Claims (5)

一種貸款資訊身份檢核系統,適用於一銀行的一貸款資料伺服器及一終端行動裝置,該貸款資料伺服器儲存有多筆客戶資料及多筆分別對應該等客戶資料的貸款資料;該貸款資訊身份檢核系統包含: 一通訊單元,具有連網功能,以通訊連接該貸款資料伺服器及該終端行動裝置; 一儲存單元,儲存有一貸款資料檢核規則;及 一處理單元,電連接該通訊單元及該儲存單元;其中, 當該處理單元藉由該通訊單元獲得從該終端行動裝置傳來的一對應於一客戶的基本資料時,該處理單元透過該通訊單元連接至該貸款資料伺服器,且該處理單元根據該基本資料從該貸款資料伺服器的該等客戶資料中讀取該對應該基本資料的客戶資料,且該處理單元根據該客戶資料對該基本資料進行一身份檢核; 當該處理單元完成該身份檢核且產生一身份檢核成功訊息時,該處理單元再根據該客戶資料從該貸款資料伺服器的該等貸款資料中讀取該對應該客戶資料的貸款資料,且該處理單元從該儲存單元讀取該貸款資料檢核規則,以根據該貸款資料檢核規則對該貸款資料進行一貸款檢核; 當該處理單元完成該貸款檢核且產生一貸款檢核成功訊息時,該處理單元產生一認證密碼,且將該認證密碼傳送至該終端行動裝置; 當該處理單元接收到從該終端行動裝置傳來的一回覆密碼,且該處理單元比對該認證密碼與該回覆密碼完全相同時,該處理單元傳送一認證成功訊息至該終端行動裝置。A loan information identity verification system is applicable to a loan data server and a terminal mobile device of a bank. The loan data server stores a plurality of customer data and a plurality of loan data corresponding to the customer data. The loan information identity verification system comprises: a communication unit having a networking function, which is used to connect the loan data server and the terminal mobile device for communication; a storage unit storing a loan data verification rule; and a processing unit electrically connected to the communication unit and the storage unit; wherein, When the processing unit obtains basic data corresponding to a customer transmitted from the terminal mobile device through the communication unit, the processing unit is connected to the loan data server through the communication unit, and the processing unit reads the customer data corresponding to the basic data from the customer data of the loan data server according to the basic data, and the processing unit performs an identity check on the basic data according to the customer data; When the processing unit completes the identity verification and generates an identity verification success message, the processing unit reads the loan data corresponding to the customer data from the loan data server according to the customer data, and the processing unit reads the loan data verification rule from the storage unit to perform a loan verification on the loan data according to the loan data verification rule; When the processing unit completes the loan verification and generates a loan verification success message, the processing unit generates an authentication password and transmits the authentication password to the terminal mobile device; When the processing unit receives a reply password from the terminal mobile device, and the processing unit compares the authentication password with the reply password and finds that they are exactly the same, the processing unit sends an authentication success message to the terminal mobile device. 如請求項1所述的貸款資訊身份檢核系統,其中,該基本資料及每一該客戶資料皆分別包括多個項目,該等項目至少包括一貸款帳號、一貸款人姓名、一貸款人編號,及一行動電話號碼。A loan information identity verification system as described in claim 1, wherein the basic information and each of the customer information respectively include multiple items, and the items include at least a loan account number, a borrower name, a borrower number, and a mobile phone number. 如請求項2所述的貸款資訊身份檢核系統,其中,當該處理單元比對該基本資料的該貸款帳號與任一該客戶資料的該貸款帳號相同時,該處理單元判斷該客戶資料對應於該基本資料。A loan information identity verification system as described in claim 2, wherein when the processing unit compares the loan account number of the basic data with the loan account number of any of the customer data and finds that the loan account number is the same, the processing unit determines that the customer data corresponds to the basic data. 如請求項3所述的貸款資訊身份檢核系統,其中,該處理單元根據該客戶資料判斷該基本資料是否檢核成功的方式為: 當該處理單元比對該基本資料的該等項目與對應的該客戶資料的該等項目相符合時,該處理單元根據該行動電話號碼傳送一驗證訊息至該終端行動裝置,當該處理單元接收到由該終端行動裝置傳來的一驗證回覆訊息,並比對該驗證訊息與該驗證回覆訊息相符合時,該處理單元判定為檢核成功,並產生該身份檢核成功訊息; 當該處理單元比對該驗證訊息與該驗證回覆訊息沒有相符合時,該處理單元判定為檢核失敗,並產生一身份檢核失敗訊息; 當該處理單元比對該基本資料的該等項目與對應的該客戶資料的該等項目沒有相符合時,該處理單元判定為檢核失敗,並產生該身份檢核失敗訊息。The loan information identity verification system as described in claim 3, wherein the processing unit determines whether the basic information is successfully verified based on the customer information in the following manner: when the processing unit compares the items of the basic information with the corresponding items of the customer information and they are consistent, the processing unit transmits a verification message to the terminal mobile device according to the mobile phone number, and when the processing unit receives a verification reply message from the terminal mobile device and compares the verification message with the verification reply message and they are consistent, the processing unit determines that the verification is successful and generates the identity verification success message; when the processing unit compares the verification message with the verification reply message and they are not consistent, the processing unit determines that the verification is failed and generates an identity verification failure message; When the processing unit compares the items of the basic data with the items of the corresponding customer data and finds no match, the processing unit determines that the verification has failed and generates the identity verification failure message. 如請求項4所述的貸款資訊身份檢核系統,其中,每一該貸款資料包括該貸款帳號、一貸款金額、一貸款期數,及一異常狀況, 當該處理單元根據該貸款資料檢核規則對該貸款資料完成該貸款檢核,且該異常狀況不為一催收及一呆帳之其中一者時,該處理單元判定為檢核成功,並產生該貸款檢核成功訊息; 當該處理單元根據該貸款資料檢核規則對該貸款資料完成該貸款檢核,且該異常狀況為該催收及該呆帳之其中一者時,該處理單元判定為檢核失敗,並產生一貸款檢核失敗訊息。A loan information identity verification system as described in claim 4, wherein each of the loan data includes the loan account number, a loan amount, a loan term, and an abnormal condition; when the processing unit completes the loan verification on the loan data according to the loan data verification rules, and the abnormal condition is not one of a collection and a bad debt, the processing unit determines that the verification is successful and generates a loan verification success message; when the processing unit completes the loan verification on the loan data according to the loan data verification rules, and the abnormal condition is one of the collection and the bad debt, the processing unit determines that the verification fails and generates a loan verification failure message.
TW113209679U 2024-09-05 2024-09-05 Loan Information Identity Verification System TWM664397U (en)

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