Loan verification support system

Abstract

A loan review assistance system includes a processing unit electrically connected to a communication unit and a storage unit. The storage unit stores loan review data corresponding to a loan review number, multiple notes corresponding to multiple keywords, and hierarchical information corresponding to each keyword. The processing unit provides a review assistance interface displaying the loan review number to a user device. When the processing unit determines that the loan review data contains at least one of the keywords, it reads at least one note corresponding to the at least one keyword from the notes from the storage unit and at least one hierarchical information corresponding to the at least one keyword, and displays the at least one note and the at least one hierarchical information on the review assistance interface.

Description

Loan verification support system Technical Field

[0001] This invention relates to an inspection system, and more particularly to a loan inspection auxiliary system. Prior Technology

[0002] Generally, when conducting loan approval processes, staff need to determine whether to proceed with the loan application based on the company's internal loan approval procedures. However, different clients provide varying approval documents, and staff often spend considerable time reviewing these documents to determine whether the client has provided collateral, and whether the collateral meets the eligibility requirements. This leads to reduced efficiency for the staff. Summary of the Invention

[0003] Therefore, the purpose of this invention is to provide a loan review assistance system that can help determine and display whether the loan review materials provided by the customer fall within the loan review operation guidelines, so that the handling personnel can quickly confirm whether to proceed, thereby improving the work efficiency of the handling personnel.

[0004] Therefore, this novel loan verification auxiliary system can communicate with a user terminal device and includes a communication unit, a storage unit and a processing unit.

[0005] This communication unit is capable of establishing a communication channel with the user device.

[0006] The storage unit stores a collection and review document corresponding to a collection and review number, multiple notes corresponding to multiple keywords, and a level of information corresponding to each keyword.

[0007] The processing unit is electrically connected to the communication unit and the storage unit, so as to communicate with the user device through the communication unit and access the storage unit. The processing unit also provides a verification assistance interface to the user device to display the levy number, so that the user device can display the verification assistance interface.

[0008] Specifically, when the processing unit determines that the user device selects the levy number displayed on the verification assistance interface, the processing unit reads the levy data corresponding to the levy number from the storage unit according to the levy number, and when it determines that the levy data contains at least one of the keywords, the processing unit reads at least one of the precautions corresponding to the at least one keyword from the storage unit and reads at least one level of hierarchical information corresponding to the at least one keyword, and causes the verification assistance interface to display the at least one precaution and the at least one level of hierarchical information.

[0009] In some implementations, the storage unit also stores multiple items to be checked corresponding to each level of information. The check assistance interface also displays the items to be checked that are related to the at least one level of information.

[0010] In some implementations, the storage unit further stores a check option corresponding to each item to be checked and multiple check result information corresponding to each check option. The check assistance interface also displays the check option corresponding to each item to be checked. When the processing unit determines that the user device selects one of the check result information of the check option of one of the items to be checked displayed on the check assistance interface, the processing unit causes the check assistance interface to display the selected check result information, and stores auxiliary check data including the at least one note, the at least one level of information and the selected check result information in the storage unit, and makes the auxiliary check data correspond to the audit number.

[0011] The advantage of this invention is that when the processing unit determines that the loan application materials contain at least one of the keywords, the processing unit reads at least one note corresponding to the at least one keyword from the notes from the storage unit and reads at least one level of hierarchical information corresponding to the at least one keyword from the hierarchical information, and displays the at least one note and the at least one level of hierarchical information on the verification assistance interface. In this way, the personnel in charge can verify the loan application materials based on the at least one note displayed on the verification assistance interface, which not only eliminates the need to consult the loan application procedures notes, but also improves the verification efficiency of the personnel in charge. Simple Explanation of the Diagram

[0012] Other features and effects of this invention will be clearly presented in the embodiments with reference to the drawings, wherein: Figure 1 is a block diagram illustrating one embodiment of this novel loan verification auxiliary system; and Figure 2 is a schematic diagram illustrating a user device presenting an inspection assistance interface that includes an inspection number, at least one level of information, at least one note, multiple items to be inspected, multiple inspection options, and inspection result information. Implementation

[0013] Before this invention is described in detail, it should be noted that similar elements are represented by the same reference numerals in the following description.

[0014] Referring to Figures 1 and 2, one embodiment of the novel loan verification assistance system 100 is shown. This system is, for example, a computer server or other similar computer device provided by service institutions such as insurance, finance, and banking companies. It is suitable for such service institutions and can communicate with a user terminal device 200. The loan verification assistance system 100 includes a communication unit 1, a storage unit 2, and a processing unit 3.

[0015] The user device 200 is, for example, a mobile phone, tablet computer, desktop computer, or laptop computer that can connect to the loan review assistance system 100 via the Internet. It can provide a screen display, keyboard, mouse, and other devices, and can be operated and input commands by the personnel in charge. In this embodiment, the user device 200 is an example, but the implementation is not limited to a specific number or type of device.

[0016] The communication unit 1 is, for example, but not limited to, a network card, network controller, or other network device that supports wired or wireless network technology, and is used to provide networking functionality and establish a communication channel with the user device 200.

[0017] The storage unit 2 is, for example, but not limited to, a hard drive or other computer-readable recording media, storing a petition document 22 corresponding to a petition number 21, multiple notes 24 corresponding to multiple keywords 23, a level of information 25 corresponding to each keyword 23, multiple items to be checked corresponding to each level of information 25, a check option 27 corresponding to each item to be checked 26, and multiple check result information 28 corresponding to each check option 27. Specifically, the petition document 22 represents one of a plurality of petition documents stored in the storage unit 2.

[0018] For example, the review materials 22 include, but are not limited to, salary slips, other real estate ownership certificates, and sales contracts. Keywords 23 include, but are not limited to, "special collateral," "dangerous hillside land," and "interest rate reduction." Points to note 24 are points to note in mortgage loan review procedures, including, but not limited to, "Item 6: Loan-to-value ratio not meeting special collateral requirements," "Item 7: Special collateral (temples, publicly accessible Buddhist halls, shrines, funeral homes, gas stations, video game arcades, internet cafes, special business premises)," and "Item 2: Property with items ineligible for registration." Hierarchical information 25 includes, but is not limited to, "Funding authority - Team leader," "Funding authority - Section chief," "Enhanced authorization - Department head," and "Interest rate reduction." Items awaiting review 26 include, but are not limited to, "Enhanced authorization: clauses not compliant or exceeding regulations," "Suspected chloride ion or radiation-contaminated buildings," and "Establishment of superficies rights with third parties." Such inspection results information 28 includes, but is not limited to, "contracted" or "not contracted".

[0019] The processing unit 3 is, for example, but not limited to, a central processing unit, a microprocessor, or a single-chip microcontroller. It is electrically connected to the communication unit 1 and the storage unit 2 to communicate with the user device 200 via the communication unit 1. When the user device 200 logs into the loan verification assistance system 100, the processing unit 3 provides the user device 200 with a verification assistance interface 101 displaying the loan application number 21, as shown in FIG2, so that the user device 200 displays the verification assistance interface 101.

[0020] Therefore, when the person in charge wants to carry out the loan review process, the person in charge can select the review number 21 displayed on the verification auxiliary interface 101 through the user terminal device 200. When the processing unit 3 determines that the user device 200 selects the application number 21 displayed on the verification assistance interface 101, the processing unit 3 reads the application data 22 corresponding to the application number 21 from the storage unit 2, and determines whether the application data 22 contains at least one of the keywords 23. If so, the processing unit 3 reads at least one of the precautions 24 corresponding to the at least one keyword 23 from the storage unit 2, and reads at least one level of hierarchical information 25 corresponding to the at least one keyword 23. The processing unit 3 then displays the at least one precaution 24, the at least one level of hierarchical information 25, the pending verification items 26 related to the at least one level of hierarchical information 25, and the verification options 27 corresponding to each pending verification item 26 on the verification assistance interface 101. Therefore, during the inspection process, the personnel in charge can browse the at least one note 24 displayed on the inspection assistance interface 101, so as to save time and manpower costs in reviewing the loan collection and review operation notes. This not only improves efficiency, but also avoids the personnel in charge from finding the note 24 that is inconsistent with the collection and review data 22, which would lead to inspection errors.

[0021] Next, when the personnel in charge refer to at least one note 24 and determine whether the application materials 22 meet the requirements of the pending inspection item 26, and wish to update the inspection result information 28 of one of the pending inspection items 26, the personnel in charge select one of the inspection result information 28 corresponding to the inspection option 27 of one of the pending inspection items 26 displayed on the inspection auxiliary interface 101 via the user terminal device 200, and when the processing unit 3 determines that the user terminal device 200 has selected... When one of the inspection result information 28 of the inspection option 27 of one of the inspection items 26 to be inspected displayed on the inspection assistance interface 101 is selected, the processing unit 3 causes the inspection assistance interface 101 to display the selected inspection result information 28, and stores auxiliary inspection data including the at least one note 24, the at least one level of information 25 and the selected inspection result information 28 in the storage unit 2, and makes the auxiliary inspection data correspond to the review number 21. In this way, the personnel in charge can select the inspection result information 28 related to the content of the review data 22 according to the description of each inspection item 26, and store the at least one note 24, the at least one level of information 25 and the selected inspection result information 28 as the auxiliary inspection data for this review result.

[0022] In summary, this novel loan review assistance system 100, through the processing unit 3 determining that the loan review materials 22 contain at least one of the keywords 23, reads from the storage unit 2 at least one note 24 corresponding to the at least one keyword 23 from the notes 24 and at least one level of information 25 corresponding to the at least one keyword 23 from the hierarchical information 25, and displays the at least one note 24 and the at least one level of information 25 on the review assistance interface 101. This allows the personnel handling the loan review to review the loan review materials 22 based on the at least one note 24 displayed on the review assistance interface 101, eliminating the need for manual review of loan review procedures and improving the efficiency of the personnel handling the review. Furthermore, when the processing unit 3 determines that the user device 200 selects one of the inspection result information 28 of the inspection option 27 of one of the inspection items 26 to be inspected displayed on the inspection assistance interface 101, the processing unit 3 causes the inspection assistance interface 101 to display the selected inspection result information 28 and stores the assistance inspection data in the storage unit 2. This allows for systematic management of the application materials 22 and enables other personnel to quickly understand the reasons for accepting or rejecting the application materials 22, thus eliminating the need to reread the application materials 22 and consult relevant regulations. Therefore, the purpose and effectiveness of this new technology are indeed achieved.

[0023] However, the above description is merely an embodiment of this invention and should not be construed as limiting the scope of this invention. Any simple equivalent changes and modifications made in accordance with the scope of the patent application and the contents of the patent specification shall still fall within the scope of this invention.

[0024] 100: Loan Verification Support System 101: Check Support Interface 200: End device 1: Communication Unit 2: Storage Unit 21: Collection and Approval Number 22: Documents for review and approval 23: Keywords 24: Precautions 25: Hierarchical Information 26: Items to be inspected 27: Check Options 28: Check Results Information 3: Processing Unit

Claims

1. A loan verification assistance system, capable of communicating with a user device, and comprising: a communication unit capable of establishing a communication channel with the user device; a storage unit storing loan verification data corresponding to a loan verification number, multiple notes corresponding to multiple keywords, and hierarchical information corresponding to each keyword; and a processing unit electrically connected to the communication unit and the storage unit, for communicating with the user device via the communication unit and accessing the storage unit; and the processing unit providing a verification assistance interface displaying the loan verification number to the user device, causing the user device to display the verification assistance interface; wherein, When the processing unit determines that the user device selects the levy number displayed on the verification assistance interface, the processing unit reads the levy data corresponding to the levy number from the storage unit according to the levy number, and when it determines that the levy data contains at least one of the keywords, the processing unit reads at least one notice corresponding to the at least one keyword from the notices from the storage unit and reads at least one level of hierarchical information corresponding to the at least one keyword, and causes the verification assistance interface to display the at least one notice and the at least one level of hierarchical information.

2. The loan verification assistance system as described in claim 1, wherein, The storage unit also stores multiple items to be checked corresponding to each level of information, and the check assistance interface also displays the items to be checked that are related to the at least one level of information.

3. The loan verification assistance system as described in claim 2, wherein, The storage unit also stores a check option corresponding to each item to be checked and multiple check result information corresponding to each check option. The check auxiliary interface also displays the check option corresponding to each item to be checked. When the processing unit determines that the user device selects one of the check result information of the check option of one of the items to be checked displayed on the check auxiliary interface, the processing unit causes the check auxiliary interface to display the selected check result information, and stores auxiliary check data including the at least one note, the at least one level of information and the selected check result information in the storage unit, and makes the auxiliary check data correspond to the audit number.

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