TWM646512U - Credit limit control system - Google Patents

Abstract

A credit limit control system is suitable for operating with a market information server. The credit limit control system includes a financial server and a client device. The financial server includes a customer database, an appraisal database, an information acquisition module and a collateral appraisal module. The appraisal database has an appraisal reference material. The information acquisition module can analyze the product data of the market information server and generate valuation reference materials. The collateral appraisal module can generate appraisal price information. Wherein, the client device can send a credit limit adjustment request including collateral information to the financial server. The collateral valuation module can generate valuation price information based on collateral information and valuation reference materials. The financial server can adjust the credit limit information of the customer information based on the appraisal price information.

Description

Credit limit control system

The present invention relates to a control system, in particular to a credit limit control system.

When a consumer applies for a credit card from a banking institution, the banking institution will usually refer to the consumer's salary transfer records and other information to evaluate the repayment ability and determine the credit limit of the credit card accordingly. However, for consumers whose other personal assets are worth more than their salary income, the above assessment method may underestimate the consumer's repayment ability, thus resulting in greater restrictions on the consumer transaction limit using credit cards.

Therefore, one of the purposes of the present invention is to provide a credit limit control system that can solve the aforementioned problems.

Therefore, in some implementation forms, the new credit limit control system is suitable for operating with a market information server. The market information server includes at least one piece of product data, and the product data has a product basic information and a product price information. The credit limit control system includes a financial server and a client device. The financial server includes a customer database, an appraisal database, an information acquisition module and a collateral appraisal module. The customer database has a customer information, and the customer information has a personal information, a credit limit information and a collateral information. The appraisal database has a pair of appraisal reference materials corresponding to the commodity information, and the appraisal reference materials have a pair of reference price information corresponding to the commodity price information. The information acquisition module is electrically connected to the appraisal database and communicatively connected to the market information server, and can download and analyze the product data to generate the appraisal reference materials. The collateral valuation module is electrically connected to the customer database and the valuation database, and is used to generate valuation price information. The client device can communicate with the financial server and has personal identification information corresponding to the customer information. Wherein, the client device can send a credit limit adjustment request including the personal identification information and a collateral information to the financial server, so that the financial server updates the collateral in the corresponding customer information based on the personal identification information. information. The collateral valuation module can read the collateral information and search for the valuation reference materials corresponding to the collateral information, and generate the reference price information based on the comparison of the collateral information and the valuation reference materials. 1. Corresponding appraisal price information. The financial server can adjust the credit limit information of the customer information based on the appraisal price information.

In some implementations, the information acquisition module downloads and analyzes the product data using web crawler technology.

In some implementations, after adjusting the credit limit information, the financial server sends a credit limit update notification to the client device.

The new model has at least the following effects: the credit limit control system can quickly and effectively complete consumer collateral appraisal through the acquisition of the appraisal reference materials and the comparative analysis between the appraisal reference materials and the collateral information. The pricing process is completed and the credit limit adjustment of the credit card is completed accordingly.

Referring to FIG. 1 and FIG. 2 , an embodiment of the new credit limit control system 100 is shown. The credit limit control system 100 is suitable for operating with a market information server 200. The market information server 200 includes at least one product data, and the product data has a product basic information and a product price information. For example, the basic information of the product includes product name, product specifications, supplier and other information. In this embodiment, the credit limit control system 100 includes a financial server 1 and a client device 2 and is communicatively connected to a market information server 200. However, in implementation, the client device 2 and The number of the market information servers 200 can also be multiple, and is not limited to the content disclosed in this embodiment.

The financial server 1 is, for example, a server host or server system configured by a banking institution, and includes a customer database 11, an appraisal database 12, an information acquisition module 13 and a collateral appraisal module. 14.

The customer database 11 has a plurality of customer information, each of which has a personal information, a credit limit information and a collateral information. The personal information includes, for example, name, ID card number, birthday, contact address, telephone number and other information. The credit limit information is, for example, the credit limit information of a credit card, and the collateral information includes, for example, information on various movable and real estate assets used as collateral.

The appraisal database 12 has an appraisal reference material corresponding to the product information. The appraisal reference material has a pair of reference price information corresponding to the product price information and a pair of reference basic information corresponding to the basic information of the product. It can be used as Reference basis for valuation of collateral.

The information acquisition module 13 is, for example, a software module that is electrically connected to the appraisal database 12 and communicatively connected to the market information server 200, and can download and analyze the product of the market information server 200 using web crawler technology. The appraisal reference material is generated based on the data, and the generated appraisal reference material can be stored in the appraisal database 12 .

The collateral appraisal module 14 is, for example, a software module that is electrically connected to the customer database 11 and the appraisal database 12 and is used to generate appraisal price information for the collateral. This part will be described later.

The client device 2 is an electronic device such as a mobile phone or a tablet computer operated by a consumer holding a credit card from a banking institution. It can communicate with the financial server 1 through a software application (application) provided by the banking institution, and has A pair of personal identification data of the customer information, which can be used to allow the client device 2 to connect to the financial server 1 after passing the identity verification process, and can be used for consumer transaction procedures.

The following describes the operation process of the credit limit control system 100 with reference to the flow chart of FIG. 2 .

In step S01, the financial server 1 can be configured to regularly execute the information acquisition module 13 to obtain the product information from the market information server 200, and after analyzing the product information, store the corresponding valuation reference materials in the Appraisal database12. For example, when the appraisal reference material is related to a house asset, the financial server 1 can regularly connect to the market information server 200 of a house sale information website, a real price login website, a house auction website and other related websites. Various product data on housing assets are obtained from the market information servers 200, and then after data screening and comparison (for example, removing price information that is obviously too high or too low or information that is too old), the The appraisal reference materials analyzed from the original product data are stored in the appraisal database 12 for subsequent use. In addition, the financial server 1 can also be configured to perform the process of obtaining the product information and subsequent analysis to generate the appraisal reference material when necessary (for example, when a consumer applies for a credit limit adjustment), without any specific implementation method. is limited.

In step S02, when the consumer wants to apply to the banking institution for increasing the credit limit limit with the assets he holds as collateral, he can operate the client device 2 and send a message including the personal identification information from the client device 2. And a credit limit adjustment request for collateral information is sent to the financial server 1, so that the financial server 1 updates the collateral information in the corresponding customer information based on the personal identification information. As in the above example, when the asset held by the consumer is a house, the collateral information may be, for example, a house ownership certificate and other information. However, in different implementations, the collateral information can also be provided through other methods, and is not limited to the method of transmitting it to the financial server 1 through the client device 2 .

In step S03, after the financial server 1 receives the credit limit adjustment request, the collateral valuation module 14 will read the collateral information and search for the collateral information corresponding to the collateral information in the valuation database 12. The appraisal reference material, and based on the comparison between the collateral information and the appraisal reference material, a corresponding appraisal price information is generated from the reference price information. In this way, the financial server 1 can perform a valuation evaluation process on the collateral provided by the consumer based on the valuation reference material derived from the product data. The process is simple, fast and has sufficient reliability.

In steps S04 to S05, after the financial server 1 generates the appraisal price information, it can adjust the credit limit information of the customer information based on the appraisal price information (for example, the original credit limit plus the appraisal price is used as the new credit limit), and sends a credit limit update notification to the client device 2 to complete the credit limit adjustment application submitted by the consumer.

Based on the above description, the new credit limit control system 100 can quickly and easily complete the consumer's asset appraisal through the acquisition of the appraisal reference materials and the comparative analysis between the appraisal reference materials and the collateral information. And based on this, the credit limit adjustment procedure of the credit card is completed. The overall process is safe and convenient, so the purpose of this new method can indeed be achieved.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

100:Credit limit control system 200:Market information server 1: Financial server 11:Customer database 12: Appraisal database 13:Information acquisition module 14: Collateral valuation module 2: Client device S01~S05: steps

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a system diagram illustrating an embodiment of the new credit limit control system; and Figure 2 is the operation flow chart of the credit limit control system.

100:Credit limit control system

200:Market information server

1: Financial server

11:Customer database

12: Appraisal database

13:Information acquisition module

14: Collateral valuation module

2: Client device

Claims (3)

A credit limit control system is suitable for operating with a market information server. The market information server includes at least one piece of product data. The product data has a product basic information and a product price information. The credit limit control system includes: A financial server, including A customer database has a customer information, and the customer information has a personal information, a credit limit information and a collateral information, An appraisal database has a pair of appraisal reference materials corresponding to the commodity information, and the appraisal reference material has a pair of reference price information corresponding to the commodity price information, An information acquisition module is electrically connected to the appraisal database and is communicatively connected to the market information server. The information acquisition module can download and analyze the product data to generate the appraisal reference materials, and A collateral appraisal module, electrically connected to the customer database and the appraisal database, for generating appraisal price information; and A client device that can communicate with the financial server and has personal identification information corresponding to the customer information; Wherein, the client device can send a credit limit adjustment request including the personal identification information and a collateral information to the financial server, so that the financial server updates the collateral in the corresponding customer information based on the personal identification information. information, The collateral valuation module can read the collateral information and search for the valuation reference materials corresponding to the collateral information, and generate the reference price information based on the comparison of the collateral information and the valuation reference materials. 1. Corresponding appraisal price information, The financial server can adjust the credit limit information of the customer information based on the appraisal price information. The credit limit control system as described in claim 1, wherein the information acquisition module downloads and analyzes the product information using web crawler technology. The credit limit control system as described in claim 1, wherein the financial server sends a credit limit update notification to the client device after adjusting the credit limit information.

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