CN1132565A - 闭环金融事务处理方法和装置 - Google Patents

闭环金融事务处理方法和装置 Download PDF

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CN1132565A
CN1132565A CN94193591A CN94193591A CN1132565A CN 1132565 A CN1132565 A CN 1132565A CN 94193591 A CN94193591 A CN 94193591A CN 94193591 A CN94193591 A CN 94193591A CN 1132565 A CN1132565 A CN 1132565A
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杰弗里·A·诺里斯
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Abstract

包括完整的申请、同意支付和资金划转的闭环自动处理贷款的一种方法和装置，其包括使用编程计算机(34)作为与申请人的接口、获取处理贷款所需的信息、决定是否给予贷款和实现给申请人的储蓄帐号电子划转资金以及安排自动提款以偿还贷款。从申请人接收信息最好是采用语音识别技术(30)，但也可以使用个人计算机的键盘或使用电话机(12)的按钮输入字母-数字信息。贷款批准决定是使用神经网络(17)由部分从申请人、部分由计算机(34)访问像信用局(16)而获得信用报告这样的数据库(14)而获得的输入作出。当申请人能接近传真机(18)打印数据时，贷款协议用传真机给或从申请人传输，或者当申请人不能接近传真机时，传输给代理人。在一优选的实施例中，申请人从公用电话间(40)接触计算机(34)，这里在申请人等待时可以进行完整的贷款业务。

Description

闭环金融事务处理方法和装置
              发明背景
1.发明领域
本发明一般来说涉及的是闭环金融事务处理。更明确地说，本发明涉及的是自动处理贷款的方法和装置，该处理过程从贷款申请开始到给借款人划转资金直至安排还款。
2.背景技术说明
借钱对推动商业和个人财务来说是必不可少的。个人或商行借短期或长期贷款是为了更好管理他们的日常金融事务，并在他们需要时获得他们所需要的商品或服务。如果借钱的需要是可以预期的，则借钱的安排可以在需要之前来做。但是金融需要有时是不可预见的，而且金融需要的程度并不总是知道的或事先可知道的。另外这些安排通常总是有些不尽方便，因为它们需要时间和努力来实现。
当个人需要借钱时，出借人不仅期望归还，而且还要相信借出去的数额能按时归还。借款人提供给出借人的信任程度依赖于贷款金额。例如，一百美元以下的贷款也许只需知道要借给钱的人只要有份工作就行了。而数百万美元的贷款，出借人也许要采取财产的物权担保，其价值要超过贷款金额，以弥补在贷款偿还期内这些财产的波动。
不仅借款人有责任要使出借人相信借款人是值得借给的，而且出借人对借款人也有责任。例如，在消费贷款中法律需要出借人仔细解释贷款条款的某些含义。
当时间和预见性允许预先安排贷款，则贷款的行为要简单的多。当时间短且未预期到借款的需要时，经历贷款程序的步骤可能很费时，以致可能根本不可能得到贷款。
典型地，商行或个人要么使用信用卡在每一次预先允许的信用卡限额内借相对小数额的钱，或者到一个贷款机构借较大数额的钱，在后一分钟情况下，完成贷款文件的过程要长一些，并可能需要在借款前必须满足一些条件。当然，对大额贷款而言对出借人的保证需要时间。但是对超过信用卡限额但是额度仍然低于对借款人偿还贷款能力显著关心的小数额贷款，也需求能方便地借贷。
                发明概述
按照其主要方面和简要的叙述，本发明是一种贷款申请的闭环处理的方法和装置，包括完成申请，同意支付和划转资金。术语“闭环”指的是在贷款过程中包括的所有步骤，包括划转资金给借款人、安排偿还以及完成借款申请和同意支付的步骤均可不需人的干预而完成。该装置使用计算机和通信链路，加上其它的电子通信设备，能完整地、自动地处理申请，亦即(1)优选使用人类语音识别系统与申请人的信息交换，(2)对贷款的同意支付，即对贷款的评估和批准，加上(3)起动所借资金从资金源电子划拨到借款人指定的的储蓄帐户上，和(4)从申请人帐户自动提款偿还贷款。
贷款是由申请人通过各种通信和电子途径与计算机接触，计算机响应申请人并使用语音通信处理获得信息而起动的。有关申请人的信息也通过从一个或多个数据库这些数据库包括根据打电话的人的电话号码提供姓名和地址的的那些数据库以及从根据申请人给出的姓名、社会保险号码和地址提供信用报告的信用局向计算机电子传输数据而获得。在一个优选的实施例中，本发明的计算机能力还包括一个“神经网络”，其用于给贷款申请评分，也就是说在基于可能的借款人所具有的被视为重要的因素和偿还贷款的意愿上的计算机分析做出一种是否批准贷款的决定，以及给贷款评分并评价不还贷款的风险。
最后，贷款协定和有关文件通过最快和最方便的设备送给借款人，所述设备包括传真、通过调制解调器直接把电子文件传输到借款人的个人计算机、通宵邮政服务等等。贷款的处理完全和自动地进行，人的干预只是发生在借款人正使用转动拨号电话、造成太多的输入错误，需要接线员的帮助，或系统怀疑有欺骗行为时。
本发明的计算机的能力包括语音通信处理，以及包括分析和存取信息的控制处理。这些处理能力可以在分开的计算机上，也可以在一个单一的专用的计算机上，或许所有的能力均构造在一单一微型芯片上。
用户可以简单地通过电话或一种或多种其它的方式访问系统。例如，在优选的实施例中，用户接口是一个公用电话间，里面存放有带监视器和键盘的通信设备(和可能一个电话)，用于在事务处理结束后从远程或内部计算机向申请人传送文件的传真机，识别申请人、申请人的银行和有关的支票账号常规信息的银行卡读卡机，以及用于电子传输借款人的签名到贷款协议上的设备。该公用电话间可以建立在方便的地方，像机场的候机端子、银行、商业区、或在销售价格可能高于一般的信用卡限额的商品的商店，像珠宝店、计算机销售店。
在用户接口的另一可供选择的方案中，贷款过程可以由代理人起动，像保险代理人或金融计划人。代理人可能有带调制解调器和传真机的个人型、“膝上”型计算机用来帮助借款人申请贷款。这种访问本发明的贷款系统的通道的优点在于：保险代理人和金融计划人习惯于处理重要的金融文件。
本发明的一个重要的特征是计算机处理贷款的程度。使用计算机帮助处理贷款已成常规，但是这里的使用程度大大超过现有技术已知的程度。这里，计算机处理包括贷款申请的签名以及作出贷款与否的决定(或推迟批准贷款直到提供更为重要的东西)。使用计算机访问不存在于自己的存储器中的某种信息也排除了对基于人的处理的需要。避免人的干预不仅节省了时间和减少人的努力，而且消除了在做出批准或否定贷款的决定上的偏见。
使用公用电话间使借款人能使用通信能力申请贷款是本发明的另一重要特征。放在方便的地方的公用电话间将包括一些电子设备，其便利和加速得到贷款的所有步骤。重要的是，因为资金直接存在借款人的银行帐户上而不是从自动取款机直接分发给借款人，从这样的公用电话间获得资金要比从取款机得到资金保险。
本发明的另一个与贷款处理有关的特征是使用神经网络由计算机做出借款人有可能归还贷款的决策。神经网络模拟人的决策过程，并且在贷款处理的生产率提高的情况下，是低成本的。在本发明的优选的实施例中的神经网络做贷款决策，但在另一可选择的实施例中，它用于周期地调整更为常规的评分系统。
再一特征是自动处理贷款与直接存储资金和自动提款偿还的结合。这些特征能使贷款在大多数情况下在同一天，但至少在下一营业日完成，并通过使得自动提款提供出借人一些措施控制还款，从而消除邮寄还款支票延迟和借款人遗忘定时地给出借人还款的问题。
其它的特征和优点对那些熟悉自动金融事务处理技术的人来说通过仔细地阅读优选的实施例的详细说明及相应附图将是很明显的。
           附图的简要说明
附图中：
图1是说明按照本发明的优选的实施例的自动金融贷款系统的主要步骤的流程图；
图2是按照本发明的一优选的实施例的公用电话间的透视图；和
图3是按照本发明的一优选的实施例的图2的一部分公用电话间的正视图。
       优选实施例的详细说明
本发明是自动处理贷款的一种方法和装置，亦即一闭环贷款。术语“自动地”指的是申请的接受和处理，给予和拒绝贷款的决定以及给借款人的帐户上存储所贷款额完全由计算机与声音和电子通信设备结合而完成。
图1表示按照本发明的优选实施例的原理图。图1的线A的左侧的所有的东西代表贷款申请人所用的设备；线B以上的所有东西均涉及本发明；线B以下的所有东西与本发明一起使用，但不是发明组合的一部分。本发明的一个重要特征是它具有能使借款人通过语音通信处理器30和以一些其它不同的方式访问系统控制器/处理器10以便申请贷款的灵活性。下面将叙述几种这样的方式，但是为现在的目的，假定借款人正使用电话12而不是使用通信联系上其它更精致的电子通信硬件通过一通信线路访问通信处理器30。通信链路在现在要叙述的公用电话间的实施例中至少是一条电话线，也许是一条或多条专用线。语音通信处理器30是电话12和控制器/处理器10之间的接口，其能使控制器/处理器10通过电话12与借款人“对话”，且在现在要叙述的优选的实施例中通过对通信处理器30说话为借款人输入对控制器/处理器10的响应。
还将假定，借款人访问通信处理器30既不需出借人的雇员也不需他的代理人的帮助，但是这些可选的实施例也将在后面叙述。
在其最简单的实施例中，简要地提到，在借款人使用电话12呼叫通信处理器时，该处理开始。控制器10通过通信处理器30从呼叫的借款人获得部分信息，和使用用于识别的借款人的电话号码从数据库中得到部分信息。控制器10根据呼叫者的电话号码从数据库14确定呼叫人的姓名和地址控制器10不是去确认呼叫人想要申请贷款，希望的数量，及其条款，而在开始时只需要贷款申请人的姓名、地址和社会保险号码用以识别。这些信息用来从信用局16获得一份信用报告。
借款人的信用报告由控制器10从信用局16得到，由一神经网络17评估，对此下面将更充分地讨论，并由神经网络17以打分的形式和相关联的风险系数做出授与或拒绝该贷款的决定。通信处理器30通知借款人该决定，并且如果授与贷款的话，安排获得包括贷款给借款人的条款的文件以供签署。
该文件既可以用传真机完整地给或从申请人传送也可以部分地传送以减少事务处理时间。申请人从传真机18收到的协议可以签署并由传真机18返回。然而传真能力并不需要。例如，如果呼叫人有一台个人计算机34、一调制解调器36和一打印机37，则该文件的电子文件可以传输给呼叫人，在呼叫人的打印机37上打印出来，签字后邮寄回来，或如果可用的话用传真机传送回来。可选的另一方案为贷款协议文件可以用传真机传送到附近的一投递代理22，他可以把文件交付呼叫人，后者可以签署文件，然后投递代理22可以用传真机传送回来。在这个例子中，这些文件的签字生效可以容易地在同一天内实现。投递代理22可以是美国邮政服务、私人代送服务、或给贷款机构提供服务的代理人，像保险代理人或金融计划人。
签字生效的文件也可以由控制器/处理器10以几种方式接收，像由通过调制解调器32传送的电子文件，可直接由控制器/处理器10接收的传真传输，或通宵邮递的纸质文件而由扫描仪24扫入控制器10。如果文件是完整的，且经过签字，控制器10安排从贷款机构26直接给借款人在储蓄机构28中的帐户电子划拨资金，并通过通信处理器30接触借款人以证实划拨的日期和时间。呼叫人将以分期付款的方式自动由贷款机构26或其它指定贷款的机构从储蓄帐户上提款归还贷款。
在前述实施例中，通信处理器30需要从呼叫人得到下述信息：证实呼叫人请求贷款、贷款金额、贷款条款、证实呼叫人的姓名和地址和住宅/商行的电话号码、以及呼叫人的社会保险号码。这些信息传到控制器10，其然后从数据库14获得其它信息，包括相应于呼叫人的电话号码的姓名和地址最后，根据呼叫人的姓名、地址和社会保险号码，控制器10可以从信用局16得到一份信用报告。
通信处理器30通过指示呼叫人按电话机12上的按键经由通信链路从呼叫人获得信息。可选的和首选的另一方案是，处理器30具有一语音识别处理能力以接收和解释由呼叫人说的话到处理贷款需要的程度。对通信处理器30进行编程设计来以合成的或预先录制的声音说话。
通信处理器30将使用自动号码识别技术从本地电话公司或通过要求呼叫人使用“触摸音调”电话上的按键输入号码来获得呼叫人的电话号码。呼叫人的电话号码传到控制器10。然后控制器10使用这些信息访问数据库14来给呼叫人添加信息。数据库14是几个当今可用的确定呼叫人地址和姓名的商业数据库中之一。这些数据库由Polk、R·R·Donneley&Sons、MetroNet、和Telident司提供，并可用于电话用户系统访问。可选的和首选的另一方案是使用语音通信处理器30的语音识别可以用于获得基于字母的信息，亦即直接来自呼叫人的呼叫人的地址和姓名，以及在呼叫人响应数字信息的请求按下触摸音调电话的按键时的数字信息。
在从数据库14证实了呼叫人的姓名和地址以及或许包括简单地询问以验证其姓名、号码和地址加上请求呼叫人提供其邮政编码后，通信处理器30询问呼叫人/借款人的社会保险号码。当从信用局16通过控制器10获得信用报告时，则可以通过呼叫人和通信处理器30交换信息得到贷款数额以及优选的偿还计划表。使用电话机12，呼叫人通过按压设计用于响应处理器30的按扭对各种问题回答是与否，或者，如果处理器30具有语音识别能力，只需简单地对电话12说是与否即可。
在控制器10收到信用报告后，它把该报告通过通信联系送给神经网络17，开始贷款申请评估。神经网络通常是给一个设计用于评估几个可能竞争的因素而以打分的形式作出决定的系统的名字。评估通过重述一组加权的判据进行。在当前申请中，一个可能用来决定授予贷款的判据是申请人有全日职业。这个判据事实上可能有最大的权。然而如果借款人有一所房子和几个银行帐户，指向这些资产的判据可能压倒没有职业的事实。
贷款申请的分析包括决定一个分数，根据该分数决定授予或拒绝该贷款。典型的评分系统只简单地对可能在贷款决定中考虑的不同因素指定一些分。然而优选神经网络用来作出贷款决定或者至少周期地更新由更为常规的评分系统所用的分。
神经网络17是由首先识别与借款人偿还贷款的能力和意愿有关的判据而建立。然后收集历史数据以决定要给每一判据的影响或权重，审察数据和使用一组初始权因子来作出这些数据的实际结果的评价。神经网络的评估与实际结果相比较，调整权重使评估更为接近，直到结果预报被最优化。神经网络17使用从信用报告中计算的信息，例如债务清偿率。神经网络的设计者也将作出需要多么少的判据即可作出足够精确的预报的判断。这些都是可从市场上购得的计算机程序，对熟悉计算机和决策制定技术的人来说是公知的，只需简单地输入判据和初始权重因子其可以用于开发贷款模型的神经网络。
如果神经网络17的分析决定贷款应该做，则通过通信处理器30从来自数据库14或信用局16的数据证实附加的信息，或者使用通信处理器30从呼叫人得到，亦即呼叫人的储蓄账号、呼叫人的传真号、呼叫人接受自动提款。然后必须以书写方式并得到借款人的签名建立贷款条款和条件。借款人签名的获得可以有几种方式。如果借款人是由保险代理人或金融计划人帮助使用个人计算机和调制解调器制作贷款申请，或者如果借款人是从公用电话间制作贷款申请，如同下面将要叙述的，签名可以使用无墨水“电子笔”得到，其当借款人操笔签名时，在个人计算机的监视器上显示的文件的图像的签名行上重现借款人签名的图像。如果代理人或计划人有一台打印机37，则可以给借款人打印一份签名生效的文件的副本，而文件和签名的电子数据文件传输回控制器/处理器10。在借款人从公用电话间起动借款事务的场合，签名后的文件使用传真机或激光打印机打印出来。
如果借款人使用电话进行贷款申请，文件的一份副本可以用传真机传送到就近的地方并由投递代理22交付给借款人。控制器/处理器10也可以使用打印机20打印出贷款协议，通过通宵邮递服务邮寄给借款人。
签名生效的协议，如果是以纸件形式从借款人收到的，那么用扫描仪24扫入控制器以便审察签名框。如果该协议正常生效，控制器将对像贷款机构26的资金源发布指令，电子划拨贷款数额到借款人在储蓄机构28的银行账户。不过在储入之前还要进行几项检查以防止伪造，包括签名以及比较从借款人得到的信息和从信用报告中可用的信息，像出生日和为现在的雇主服务的年数。贷款协议的部份条款包括借款人许可出借人自动地、周期地从借款人的银行帐户提款以偿还贷款。通过电子资金划拨直接储蓄到借款人的银行帐户和从其自动收回贷款是本发明的特别重要的特征，因为其消除了由人的控制的处理部分和延误。同样，如果借款人有立即贷款的需要，直接储蓄将使这些资金尽可能快地使用，避免由邮寄、支票丢失、审察澄清支票所需的时间和需要到储蓄机构办理储蓄而导致的拖延。任何需要借款人签名的文件，包括消费贷款公开信息，将如同前面所述处理。
在大多数情况下不需人来干预。通信处理器30与借款人通信，控制器10从数据库14和信用局16提取信息；神经网络17作出贷款决定而控制器10安排要签署的协议。控制器10实现电子资金划拨并安排自动逐月收回还款。如果呼叫人在与通信处理器30通信时需要帮助，按下#或0键将分别引起自动信息或话务员帮助呼叫人。按下※键将重复先前对申请人的过程。如果呼叫人似乎迷惑，通信处理器30将中断处理而提供话务员的帮助或请求话务员帮助的电话号码。
在另一可选的实施例中，借款人可以使用个人计算机34和调制解调器36用电话机12通过通信链路接触控制器而申请贷款。控制器10将使用计算机34的监视器相互作用，提示借款人，他可以键入所需信息并稍后指示其对控制器10的响应以便使控制器10获得信用报告和处理贷款。文件可以经由调制解调器36接收到计算机34，使用打印机37打印。在借款人配备有传真机时，该文件可以用传真机18返回到控制器10。
作为可以实现的一个提示的例子，通信处理器30可以问：“你现在有职业吗？如果是，请按1；如果不是，请按2”，“你每月的收入是多少？”或“你每月的花费是多少？”以示例的方式提供的这些信息可以从信用报告中获得，但可以通过提示一个回答而证实。可选的另一方案是：如果询问了信息而且根据部分分析得出的响应指出该贷款不能做，则可以这样通知借款人，于是可以避免获得信用报告的时间、需要和成本。
对提示的回答可以由借款人按电话上的按扭、由保险代理人或金融计划人用他们的个人计算机或由借款人自己的计算机或使用公用电话间中的特殊键盘键入条目。
在相关的另一实施例中，出借人的代理人可以帮助借款人申请和提供通信设备。例如，保险代理人和金融计划人可以帮助借款人处理贷款。大多数借款人位于保险代理人的办公室的附近，同时这样的代理人经常访问私人家庭作为他们的一部分的保险业务。
并非每一个贷款决定都很清楚。在从由神经网络17所做的分析不能做出结论的场合，借款人将由通信处理器30叫回来，请他在另一个工作日说明贷款申请是合格的，如果请求获准，将安排回访时间。
如果可以授予贷款，通信处理器30(或控制器10，如果借款人使用个人计算机的话)将通知可以贷款的数额、每月的偿还额和贷款条款。按照实用消费者贷款法需要的公开材料和其它文件可以用墨水签署，也可以在公用电话间使用电子笔签署，然后通过传真、电子数据文件传输或通过通销邮递返回。
控制器/处理器10通过通信处理器30与借款人复审与贷款相关的信息，像直接储蓄的账号和储蓄机构的名称、自动提款机构的账号和名称、自动提款开始的月份和每月的哪一天提款、地址和收款人如果不打算用支票储蓄到帐户的话、可能使用的滞纳金、金融费用、年百分率、所有偿还款的总费用、和金融支持的总数额。这些从借款人对于他或她的帐户所需要的信息在神经网络做贷款决定时可以通过通信处理器30得到，或者借款人可以指定一个电话号码，在贷款批准后可以从这个电话号码找到他或她以便可以得到任何其它的信息。
如果贷款需要由抵押品保证的话，需要确定该抵押品及其价值。如果正在购买的东西可以用作抵押品的话，该事实以及该商品和其所有权(title)或销售票据的所在和位置的一致性可以通过通信处理器30证实。
能使借款人制作申请的优选的实施例是一公用电话间的形式。图2和3绘出由申请人起动贷款所用的公用电话间40。公用电话间基本是一亭子，它可以容纳为借款人使用与远程的、中央配置的处理器10接触和通信的所有设备或另一可选择的方案是它包含处理器10。公用电话间40有计算机42，其带有监视器44、键盘46、银行磁卡读卡机48，其可以读银行卡以识别申请人和申请人的银行和相应的支票账号；带有通信联系(在图2和3中未示出)的内部传真机，和在一最佳的实施例中把签字传输给文件的设备像电子签字框50和电子笔52。框50是一个面，它把借款人手持电子笔52作签名时的运动转变为签名的电子图象并将其以电子方式传输给计算机42。签名的图象也可由贷款机构在直接储蓄前使用来证实是借款人的签名。
申请人将进入公用电话间40并使用键盘46表明他贷款的兴趣。计算机42通过监视器44提示他把银行卡划过银行卡读卡机48以判定他的身份，或是简单地输入他的姓名、地址和社会保险号码。计算机40将把信息通过通信链路传到控制器10，它将访问一个或多个数据库，像信用局16来获得信用报告。像前面一样，从申请人和从信用报告得到的信息将存储起来。首选使用神经网络17来决定是否批准该贷款。如果批准的话，将告知申请人并提供贷款信息。申请人的签名可以使用框50和笔52得到，以及用传真机54为申请人打印出签字的协议副本。同时，安排电子划拨资金的生效时间并通知申请人以及从申请人获准从其储蓄帐户自动支付以偿还贷款。
很明显，对熟悉该技术领域的人来说对前述首选的实施例的许多修改和替换在不背离由下面的权利要求限定的本发明的精神和范围内可以实现。

Claims (20)

1.一种处理由申请人从使用编程计算机和一种通信链路申请货币贷款的方法，所述方法包括的步骤有：
在位于所述通信链路一端的所述申请人与位于所述通信链路的另一端的计算机之间交换与所述贷款申请相关的信息；
通过由所述计算机根据所述信息进行分析决定是否批准所述申请；
通过所述通信链路对所述申请人确认批准所述贷款；
通过所述通信链路由所述计算机接触资金来源；和
由所述计算机通过所述通信链路给由所述申请人指定的帐户从所述资金源电子划拨所述贷款。
2.根据权利要求1所述方法，其特征在于另外还包括由所述计算机通过所述通信链路从所述帐户自动提款到所述资金源以归还所述贷款的步骤。
3.根据权利要求1所述方法，其特征在于另外还包括根据所述信息从信用局获得关于所述申请人的信用报告的步骤，所述信用报告由所述计算机通过所述通信链路请求，从所述信用局通过电子数据传输到所述计算机，所述决定步骤基于由所述计算机对所述信用报告的分析。
4.根据权利要求1所述方法，其特征在于，另外还包括把贷款协议的图象从所述计算机通过所述通信链路传输到所述申请人的步骤。
5.根据权利要求1所述方法，其特征在于，所述决定步骤是由所述计算机使用神经网络进行所述分析来实现的。
6.根据权利要求1所述方法，其特征在于另外还包括把所述申请人在所述通信链路的所述第一端口头提供的信息使用人类语音识别设备转变为电子信号的步骤，所述识别设备与所述计算机进行电子通信。
7.处理申请人对货币贷款的申请的装置，所述装置用于资金源，所述装置包括：
一编程的计算机；
在所述资金源和所述计算机之间的通信链路；
传输和接收贷款协议的电子数据文件的设备，所述传输设备连接到所述计算机上；和
为从所述申请人获得所述申请、处理所述申请和批准所述贷款而编程所述计算机的设备。
8.根据权利要求7所述装置，其特征在于，所述传输和接收设备包括电子传输所述申请人的签名到所述协议上的设备。
9.根据权利要求7所述装置，其特征在于，所述编程设备给所述计算机编程，通过所述通信链路，实现从所述资金源到由所述申请人指定的帐户的电子划拨。
10.根据权利要求7所述装置，其特征在于，所述通信链路与一信用局通信和所述编程设备包括通过所述通信链路访问所述信用局以获得有关所述申请人的信用报告的设备。
11.根据权利要求7所述装置，其特征在于，所述通信链路与一数据库通信和所述编程设备包括：
从所述数据库通过所述通信链路获得关于所述申请人的信息的设备；和
根据所述信息决定是否同意所述申请的设备。
12.根据权利要求7所述装置，其特征在于，所述通信链路与一根据数据库通信和所述编程设备包括：
通过所述通信链路获得关于申请人的信息的设备；和
分析所述信息以决定是否批准所述申请的神经网络。
13.根据权利要求7所述装置，其特征在于，另外还包括与所述计算机通信以获得文件的图象的一扫描仪。
14.根据权利要求7所述装置，其特征在于，所述通信链路具有连接到所述计算机的第一端和相对的第二端，所述装置另外还包括一公用电话间，其放有所述计算机、所述传输和接收设备和所述编程设备。
15.根据权利要求7所述装置，其特征在于，另外还包括读取银行卡以识别所述申请人的设备，所述读取设备与所述计算机通信。
16.处理申请人对货币贷款的申请的装置，所述装置与资金源使用，所述装置包括：
一公用电话间；
在所述公用电话间中的一编程计算机；
在所述公用电话间中的读取银行卡以识别申请人的设备；
具有第一端和相对的第二端的通信链路，所述第一端连接到所述计算机，所述第二端与所述资金源通信；
在所述公用电话间中的打印贷款协议的设备，所述打印设备连接到所述计算机上；和
对所述计算机编程以获得所述申请、处理所述申请和批准所述贷款的设备。
17.根据权利要求16所述装置，其特征在于，所述打印设备包括电子传输一签名到所述协议的设备。
18.根据权利要求16所述装置，其特征在于，所述编程设备给所述计算机编程，通过所述通信链路实现从所述资金源到由所述申请人确定的储蓄帐户的电子资金划拨。
19.根据权利要求16所述装置，其特征在于，所述通信链路与一信用局通信和所述编程设备包括通过所述通信链路访问所述信用局以获得有关申请人的信息的设备。
20.根据权利要求16所述装置，其特征在于，所述通信链路与一数据库通信和所述编程设备包括：
从所述数据库通过所述通信链路获得有关所述申请人的信息的设备；和
根据所述信息决定是否同意所述申请的设备。
CN94193591A 1993-08-27 1994-08-24 闭环金融事务处理方法和装置 Pending CN1132565A (zh)

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