CN1251187A - 执行信贷与负债申请的联机审批系统与方法 - Google Patents
执行信贷与负债申请的联机审批系统与方法 Download PDFInfo
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Abstract
一种对请求获得金融机构提供的商品与服务的申请进行实时处理的计算机联机系统,可自动进行信贷与负债的审查批准程序。该系统即时分析申请人的信贷历史档案,自动信贷打分,将其提供给当地分理处代表(LBR);能够提供前台有条件批准;确定申请人可能符合其信贷条件但并未提出请求的其他服务/商品。由LBR提出一揽子的商品、层次价格与服务;按预先确定的可贷额度推荐特定的信贷商品;对同一申请人的处理可被中断,而后又由同一或别的LBR继续进行。
Description
本发明涉及一种执行信贷与负债申请的联机审批系统与方法，特别涉及一种用于信贷与负债申请的自动执行、实时、联机审查的系统与方法。
信贷或负债等金融商品的申请手续通常是先由申请人提出信贷或负债请求，如申请信贷，申请人往往请求得到某一种信贷商品的信贷。这里所说的申请人可以是老客户，也可以是潜在的客户，可以是一个或几个人，也可以是单位，如公司，合伙组织或协会。无论在什么情况下，申请人都是指向金融机构提出信贷或负债商品申请的一个人或者单位。当申请人走进金融机构申请得到该金融机构提供的某种信贷或负债商品时，当地分理处代表(LBR)会让他填写一份表格，然后将该表格送到事务部，由其对申请进行审查，决定是否依请求发放贷款或开设负债帐户。
大多数金融机构都有一定的标准来确定申请人是否有信誉获得所申请的特殊信贷商品，有的金融机构还有一定的标准来确定哪些开设即付存款帐户(银行负债)的请求可予同意。不同的商品有不同的审查标准，这通常是由所涉的风险与容许的损失情况决定的，
糟糕的是人口的大多数阶层的人因这样或那样的原因而不符合该初步筛选标准。更糟的是当地分理处代表(LBR)无法立刻将信誉可靠的申请人从其他申请人中区分出来。这就使得当地分理处代表(LBR)不得不在一些申请人身上花费相当多的时间，而到头来只是确认他们不符合该金融机构的标准。这种情况使得放款手续效率低下；最符合获得信贷或负债商品条件的人要等很长时间才能获得其所需的商品，当地分理处代表(LBR)则要在所有的申请人身上花费大量时间，而其中有些人可能没有资格获得任何一种信贷或负债等金融商品。效率低下造成客户对服务不满意，并且所有的申请人都得付出更高的费用。
因此，本发明的课题是要开发一种执行信贷与负债申请的审查方法与系统，该系统能：(1)在申请时立即为当地分理处代表(LBR)识别符合信贷条件的申请人，或提供一个也许不符合所请求的特定商品信贷条件的申请人的指示(从而不必再完成整个销售交易)；(2)系统地提供核实要求；(3)为金融机构进行负债筛选(即付负债筛选)；(4)提供特定商品的价格层次列表；(5)为服务银行卡商品提供接口；(6)使债务最高限额的确定符合逻辑；以及(7)提供待批申请功能。
本发明通过提供一种用户友好的计算机联机系统解决这个问题，该系统流水处理由金融机构提供的用于商品与服务的申请过程，使审批过程中的许多步骤自动化，它根据申请人的信用得分、财务信息以及与金融机构的新的或已有的关系(如果有的话)，进行信用水平的背景比较，它向那些业已通过信贷条件初步审查的申请人推荐特定的信贷商品，提出已确定的最高信贷额度，保证正确地完成必须的操作(信贷/负债)手续。
按照本发明，对信贷请求，系统立即对申请人的信贷历史档案进行分析，自动给出信用得分，信贷政策，以及申请人与金融机构的新的或已有的关系(如果有的话)，并将结果予以归纳后按一定的格式提供给当地分理处代表(LBR)。这一特征使得当地分理处代表(LBR)能在前台发给申请人一份有待核实的自动、有条件批准申请书。
本发明的系统与方法，通过提供识别申请人的性能给那些按其请求金融机构愿意扩展信贷和/或负债商品的，或者提供附加服务或其它信贷和/或负债商品的人缓解放款人的时间浪费问题。例如，通过确定某个申请人为可能的并对多种他所未曾申请的其他商品信誉可靠的，则当地分理处代表(LBR)可以向从将要扩大服务范围的申请人提出更具吸引力的一揽子商品，并可能地提出标价。这一特征使得当地分理处代表(LBR)能集中精力，对那些金融机构能超出其请求向其提供全方位服务与好处的申请人做工作。
实施本发明的系统与方法的另一个优点是能向那些业已通过特定信贷商品的初步标准的申请人提供预定的信用合格报盘额度。
实施本发明的系统与方法的另一个优点是能为请求信贷的申请人提出信用或贷款的最高允许额度，其估算的支付不会超出商品说明参数。这样，本发明的系统与方法因联系申请人的信贷请求而提供一性能以结合导致提价或还盘的自动应答处理。由于有了本发明，各地的分理处现在已能这样做了，这在过去是办不到的。
实施本发明的系统与方法的另一个优点是提供一性能给金融机构以对早先可能已由别的当地分理处代表(LBR)处理过的申请继续进行处理。以前，每一份信贷或负债申请都是重新开始处理的。例如，在本发明产生以前，假如有个申请人第一次到金融机构申请信贷或负债商品，该申请人提供了一些初步信息，然后因为这样或那样的原因(例如时间不够等等)而离去，该未完成的申请就会报废，当地分理处代表(LBR)的时间—当今竞争环境中的宝贵财富也就随之白白浪费。由于有了本发明，任何一个当地分理处代表(LBR)就能继续处理自己或其他任何一个当地分理处代表(LBR)曾经处理过的早先的申请，从而来利用早先已经花费了的时间，也省得申请人不得不重复全部过去已经提供过的数据。
按照过去的习惯做法，核实要求是在对信贷申请进行了充分审查并发给了有条件批准书之后才拟定或产生的。实施本发明的另一个优点是根据提出的额度与承兑的额度，在前台处理中详细列出被系统地驱动的检验类别，向当地分理处代表(LBR)指出所有的核实要求，这样，只要申请人提供了有关信息(例如身份证明、电话号码、工作单位、收入情况等等)，便可以在最初交易期间完成所需的核实。这就避免了在分理处与申请人之间不断的信件来往，也有助于保证依从核实要求并可能地防止诈骗发生。
本发明提供一种快速的方法，在该方法中客户零售机构向合格的申请人(例如无担保与房地产抵押)信贷请求发出即时信贷评估应答(有条件批准、尚需核实的提价与/或还盘)，同时保证正确地完成金融机构所要求的信贷手续，将对有价证券的风险降低到最低限度。
本发明还有一个优点是系统完成的核实使信贷请求得以当场承兑，随即发放资金。此外，给当地分理处代表(LBR)所需核实的系统的显示消除了当地分理处代表(LBR)在申请处理完成之前不断地计算和反复计算所要求的特定的核实需要，从而节约了大量的时间与案头工作。
实施本发明的另一个优点是其关系定价层次。关系定价层次根据客户与金融机构的全部关系(即负债余额)为请求信贷的新、老客户提供出最低的贷款利率。合适利率选择的自动化解决了在有多种利率选择以及客户与金融机构关系深浅、复杂程度不同而造成的复杂情况下选择正确利率的难题。
根据实施本发明的一个优点是本发明对申请人的社会保障号进行系统分析，对申请人的活期负债帐户以及信贷历史档案进行审查以决定是否给申请人提供一活期负债帐户(即付存款帐户)型关系。这种评估是系统进行的，并给予金融机构一种高效地筛选可能的活期负债帐户候选人的方法，而使可能发生的诈骗率减小。
此外，实施本发明还有一个优点是提供与银行卡领取手续的系统链接，以联机处理分理处受理的银行卡申请。
本发明的上述这些目的是用来说明本系统与方法可以做什么，上述的这些目的并不完全包括或限止其他可能的目的。本发明的这些目的与其他目的将从下面的说明中变得更为明了，或者可在实施中将其搞清楚，实施方式包括下述的实施例，也包括发明所属技术领域的普通专业人员显而易见的各种改型。本发明的范围在于下面所示与说明的新系统、方法、配置与结合。
下面将参照附图对本发明的上述及其他目的与优点进行说明，附图是说明的一部分，下面的说明以本发明的一个优选的实施例为例，但本发明不限于此。
附图中：
图1示出了本发明的系统与方法的框图；
图2示出了本发明的系统与方法所用的信贷申请状态代码、信贷得分应答代码与信贷决定信息；
图3示出了本发明的系统与方法所用的信贷商品定义维持屏幕；
图4A-C分别是本发明的系统与方法所用的信贷决定处理数据项；
图5是本发明的系统与方法所用的一种信贷商品定义维持屏幕；
图6A-E分别是本发明的系统与方法所用的信贷决定处理数据项；
图7是本发明的系统与方法所用的一种信贷商品定义维持屏幕；
图8是本发明的系统与方法所用的一种信贷决定处理数据项；
图9是本发明的系统与方法所用的一种信贷商品决定维持屏幕；
图10A-H分别是本发明的系统与方法所用的信贷决定处理数据项：
图11显示了本发明的系统与方法所用的关系定价文档阵列；
图12显示了本发明的系统与方法所用的关系标准代码与链接规则；
图13A-B分别是本发明的系统与方法所用的信贷决定处理数据项；
图14是本发明的系统与方法所用的一种商品文档维持屏幕；
图15是本发明的系统与方法所用的一种信贷决定处理数据项；
图16是本发明的系统与方法所用的信贷决定处理核实要求；
图17A-E分别是本发明的系统与方法所用的信贷决定处理数据项；
图18是本发明的系统与方法所用的一种申请人商品与保险信息屏幕；
图19是本发明的系统与方法所用的信贷决定评估数据项；
图20是本发明的系统与方法所用的申请人收入信息屏幕；
图21是本发明的系统与方法所用的信贷决定评估数据项屏幕；
图22是本发明的系统与方法所用的信贷商品决定定义维持屏幕；
图23是本发明的系统与方法所用的信贷决定与信贷资格处理数据项；
图24是本发明的系统与方法所用的信贷决定与信贷资格处理数据项；
图25是根据本发明的系统与方法的信贷资格屏面；
图26-29分别是本发明的系统与方法所用的信贷决定与信贷资格处理数据项；
图30是本发明的系统与方法所用的申请人信息屏面；
图31-33是本发明的系统与方法所用的信贷决定与信贷资格提出处理数据项；
图34是本发明的系统与方法所用的计算公式；
图35-38分别是本发明的系统与方法所用的最高债务额度计算方法；
图39是本发明的系统与方法所用的申请程序状态优先表；
图40是本发明的系统与方法的系统初始化框图；
图41是本发明的系统与方法所用的初筛选与问题筛选程序；
图42是本发明的系统与方法所用的第1申请得分评估方法；
图43是本发明的系统与方法的银行卡申请处理程序；
图44是本发明的系统与方法所用的确定信贷限额与最高债务额度分配的框图；
图45是本发明的系统与方法所用的追加标准评估方法；
图46是本发明的系统与方法生成的对申请人必要的核实与自动应答；
图47是根据本发明的系统与方法对抵押信贷商品的特殊处理程序；
图48是根据本发明的系统与方法给申请人报价显示与应答估价的处理程序；
图49是根据本发明的系统与方法对贷款方信贷额度还价压价的处理程序；
图50是根据本发明的系统与方法提价或较大额度信贷报价的处理程序。
图51是根据本发明的系统与方法的结束用公共程序。
本发明的系统与方法(图1)对申请进行实时联机处理，因此能进行有条件的批准，等待进行所需的核实。许多放款机构通过联机系统对申请进行处理，但是大多数系统不具备立即审查申请人信贷历史档案的分析结果(框图28、30、32与34)与自动信贷得分的前端处理系统的系统性能(框图14与16)。本发明的系统与方法独树一帜地将对新、老客户关系(框图18、20与22)的处理包括在信贷决定请求中。这一特征使其能(依据对信贷历史档案、信贷得分、债务额、信贷手续规定以及客户与金融机构的关系的系统评估)为新、老客户(框图10)当场提供有条件的批准，只待进行必要的核实。
本发明可与已有的商用信贷处理系统ACAPS(框图26)连接。
根据本发明的处理程序对信贷与负债的申请/批准程序进行流水处理，因此能更及时地作出决定。这样的处理通过使过去纸张密集型的信贷/负债申请与批准程序的许多步骤自动化，从而提高了分理处的工作效率与劳动生产率。
除了对信贷申请进行处理外，本发明还能根据申请人的信贷档案信息、财务信息以及与金融机构的新的或已有的关系(如果有的话)，对非信贷申请(例如开设即付存款帐户)执行信贷声誉可靠性的背景评估。这种评估可以产生一个决定，对符合信贷条件的申请人10作出标记。这种标记告诉当地分理处代表(LBR)12哪些申请人符合批准信贷的初步标准，可以按事先确定的信贷合格报价额度向其推荐特定的信贷商品，还能确定那些可向其主动报出更具吸引力的信贷商品的申请人。
发明所解决的商业问题
信贷应答
本发明提供一种高效方法，在该方法中顾客零售部门能够向合格申请人的(例如无抵押与房地产抵押)信贷请求提供即时信贷评估应答(有条件的批准、尚需核实的提价与/或还价)，同时保证正确地完成金融机构所要求的信贷手续，由此可靠地限制对有价证券的风险。
所有的既定商品程序要求(前台筛选、呆账筛选、信贷得分、债务)以及对新、老客户负债余额的考虑均由系统在几秒钟内完成并进行排队(A、B、C、D)。这就使得当地分理处代表(LBR)12能将信贷评估结果(建议批准、有条件批准、提价、还价、建议拒绝)立即传送给申请人10。A、B、C、D的排队情况告诉当地分理处代表(LBR)12在销售过程中的工作方向(即系统所作的排队情况表明了信贷风险的高低)。为了让框图44的事务部处理高效率地进行，该排队情况还表示哪些信贷请求可让其立即申批，这样便可立即登记或采取相反的行动。这就使得当地分理处代表(LBR)12能立即确定对金融机构有很高价值的申请人。
请参见下表，该表详细说明了同本发明的系统与方法所用的各种应答相关的行动：
| 应答 | 状 态 |
| A | 建议批准当地分理处代表(LBR)已经完成所需的核实，征得申请人同意，接受信贷请求，系统地建立一个与特定商品的登记系统(即服务或记帐系统)的接口。有条件批准/还价当地分理处代表(LBR)必须完成所有所需的核实(例如：身份、电话、工作、收入等等)。在完成所需的核实并征得申请人同意后，当地分理处代表(LBR)可以“接受”信贷请求，系统地建立一个与特定商品的登记系统(即服务或记帐系统)的接口。 |
| B | 建议拒绝系统确定：(1)申请人是非正式成立的单位，或者是非侨居的外国人(NRA)；或(2)申请人信用有限；或(3)申请人信贷档案有问题(降级交易)并且欠款余额高。在这三种情况下，当地分理处代表(LBR)均可与事务部联系立即申诉。 |
| C | 建议拒绝 |
| D | 建议拒绝 |
商品需求表详细地列出了一个地区内各商品类型的信贷评估处理参数(例如：前台筛选、呆账筛选、信贷得分、债务以及欠款余额)。这些参数在申请通过前台处理系统(框图14与16)传送或进入ACAPS 26时被系统地评估。
按事先设定的批准标准进行评估分为两段(即信贷决定与银行负债决定两个从属码)。在风险评估项目(例如：前台筛选、呆账筛选、信贷得分、债务总额)中，各种状态均分配了特定的A、B、C或D等排队应答码。将考虑中的信贷决定的所有项目排队情况最不好的字母(B没有A好，C没有B好，依此类推)选出作为信贷决定的从属码。将信贷决定从属码与负债决定从属码进行比较，从两个从属码中选出好的一个(A比B好，B比C好，依此类推)来确定通过前台平台(框图14与16)传送给当地分理处代表(LBR)12的应答码。评估与传送平均只需几秒钟时间，一周七天都能使用，这就使得当地分理处代表(LBR)12几乎可以当场立即应答申请人的信贷请求。对于无抵押商品(例如分期付款贷款)，能在分理处对信贷请求作出最终决定使得当地分理处代表(LBR)可以在最初交易中便将信贷请求处理完毕。
本发明的应答逻辑因地区与商品规格而异，从而能恰当地控制灵活的信贷评估标准，根据各地金融情况、经济情况等变化保证信贷风险在可接受的范围内。这里所说的当地指某个特定的地区(例如：州)。
最大债务承担报盘
最高债务承担报盘为申请(循环或资本额固定的)信贷的申请人提供了信贷或贷款的最高额度，估计的申请人为其请求的商品支付的款项，加上所有已知的偿债款项(申请人提供的偿债款项，包括租金或按揭，以及信贷档案提供的偿债款项)，不得超出商品特定参数(额度表)的指定控制债务表参数，例如45％。由此导致的提价或还价，由于与申请人的请求有关，放在本发明的应答处理中，因此可供当地分理处代表(LBR)(框图12)在交易过程中与申请人10进行讨论。
最高债务承担报盘是在申请人的信贷请求超出了因地区与商品而异的特定金额时产生的。ACAPS 26对下列项目进行系统地评估，确定在下列组成的评估后是否提出提价或还价：
| 请求的信贷 | 1)申请人请求的金额2)最高能贷的金额(申请人没有提出特定的金额，而是请求获得申请人所能得到的最高金额。)3)商品的最高额 |
| 最高债务额 | 最高信贷或款项金额，其每月偿还额加上申请人已有的债务与租金或抵押贷款偿还额除以客户的月收入，得出债务率(如45％)，载明于商品参数中。如果因为申请额度小于指定参数(如$2,500)而并未使用最大债务负担量，则分配给最高债务限额报盘的数量将缺省设置为商品的最小额。 |
| 款项分配 | 系统款项分配表 |
申请人良好的信贷记录、月收入以及月偿债额(加上估计的因新请求的债务而产生的月偿债额)在传送信贷请求时被系统地评估，为当地分理处代表(LBR)12与申请人10提供了在判断审查之前了解商品方案将允许的最高的承担风险。该过程主要利用月信贷档案信息，包括抵押贷款偿付信息，这就可以确定最高债务承担报盘，无需利用申请人10提供的信息。总的来说，本发明的处理过程提供了节省了信贷评估/处理时间，大大减少了单位估价处理工作量(减少65％)，同时可提高销售时的对话效率，迅速作出批准与拒绝决定(当面或用电话)。
系统核实
系统核实为当地分理处代表(LBR)12提供了在被显示于前台平台(框图14与16)上的提出与接受的金额的基础上所需的核实范围(商品方案)的系统验证。平台将所需的核实以列表形式提供出来，供当地分理处代表(LBR)12选择完成所需核实的方法，然后将其传送至ACAPS26。该系统使得当地分理处代表(LBR)12能根据申请人的要求在报价做出之后的任何时间接受所报款项或贷款数量，从而完成申请、金融机构决定、向申请人报价，接受报价，在某些情况下发放资金、等待所需的核实等整个申请过程。但是，如不符合核实要求，系统就不允许接下来自动进行新帐户的开设功能(即记帐)。系统在所有的核实要求均符合后，需要有一个“接受”的指令被执行(通常由当地分理处代表(LBR)12发出)才允许接下来自动进行新帐户的开设功能，以保证符合核实的要求，避免受骗的可能性。
所需核实的系统完成使对指定的商品，例如分期付款贷款的信贷请求当场接受，并随即资金的发放变成可能。ACAPS26系统已在各商品分类中装入了所需的核实项目表(图16至17E)，指出了哪种核实类型根据申请人10请求的以及最终接受的金额而需要。所要求核实的系统显示为当地分理处代表(LBR)消除了在申请处理完成之前不断计算和要求特定核实反复计算的需要。除了ACAPS 26的必须核实项目类型自动显示外，系统还为前台处理系统(框图14与16)提供了一个可以完成核实要求的所需核实类型表。该表转换成供选择的所需核实列表，使得当地分理处代表(LBR)12能迅速地完成所需的核实程序。
ACAPS26按地区与商品管理核实要求(以列表形式)，准确地按指定的报价与接受的信贷金额，确定系统接受信贷申请之前要进行何种类型的核实(如，身份证，电话，工作，收入等)。对商品类型加以区分，使得ACAPS 26能应分理处或事务部请求以及对不同的商品类型(例如无抵押与房地产抵押等等)建立的核实要求。分理处前台系统(框图14与16)在处理时一定要进行身份核实的，事务部则以不同的方式请求要求身份核实(框图44)。
关系定价等级
通过将包括在处理方法中的许多有关的系统(框图52)联机、实时地结合起来，所有已有客户的帐户在申请交易期间被系统地自动地审查，以确定总资产金额，根据该总资产金额产生对老客户10所请求的信贷商品报出的最佳价格。价格包括固定利率与确定贷款类型的浮动利率(例如指数利率，比如主利率加差额利率)。
关系定价等级根据申请人与金融机构的全部关系(即负债余额)给贷款申请人10，在当前的情况下即为新、老客户，提供了最低的贷款利率。它也为金融机构的工作人员提供了考虑了申请人与金融机构的关系而得出的该贷款类型的适当利率。按照本发明，系统自动地审查申请人已有的帐户与新存进的资金。合适利率选择的自动化解决了在有多种利率选择以及客户与金融机构关系深浅、复杂程度不同而造成的复杂情况下选择正确利率的难题。对于一种贷款商品类型(例如无抵押循环信贷)报价给申请人10可能有多达4种的不同的利率，对于交叉商品则可能多达数十种，多得当地分理处代表(LBR)12与申请人10都难以正确地记清楚。另外，价格是根据若干信用声誉可靠的因素，包括在金融机构的负债总额(负债总额是多个帐户算出的总的负债余额)而确定的。
申请处理系统(ACAPS26)的一系列表格中包含每一个有多种价格的商品的价格表。这些表格还提供特征的名称(例如余额金额)，临界点(例如少于1500美元，多于或等于1500美元等等)，以及得出的价格。ACAPS26的其他表格值确定是否要采用自动定价程序。如要采用该程序，ACAPS26就会调出另一个银行系统(框图52)，该系统会将客户所有的余额汇总得出总余额，用来与价格表一起确定向申请人10提出的价格。这样确定的价格也会被送到最后发放新贷款的其他银行系统中去。
前台等待处理
本发明的前台等待处理解决了申请提交过程中，申请提交了，但由于这样或那样的原因却没有完成的问题。例如，申请人可能缺少关键的信息，或者申请人可能决定不再继续办理申请程序(因为没有时间等等)。在本发明完成以前，启动申请程序的精力全部浪费(废弃)了。申请人10如又来申请，整个处理过程要从头开始。本发明的等待处理创造了一种在发现申请不能完成时，保存已进行数据输入的任何信息的方法。在申请人10作好了准备，打算将申请完成时，被保存的数据能方便地取出，以完成申请程序。
此外，方便使用的文挡与处理方法允许保存并允许从部分完成的申请而得数据的再使用。在等待处理程序的周围还建立了附加的程序，以帮助当地分理处代表(LBR)12记住与追踪未完成的申请。在等待处理中的未完成申请是有时间排列的，从而保证了合适地进行追踪(销售或是否符合规定)。
本发明的等待处理程序使得当地分理处代表(LBR)12只要点亮并选择菜单选项(“保存为等待文挡”)，便可将交易中输入的全部数据保存起来。这样，数据便被保存在前台环境中(框图14与16)，等待将来在申请可以完成时使用的时刻。当申请人10回来时，金融机构的任何一位当地分理处代表(LBR)12都能通过菜单选择(“等待/有条件”)方便地再调出未完成的申请，加上原来缺少的信息，然后将申请传送到申请处理系统(ACAPS26)。
即付存款帐户(DDA)
金融机构利用申请人的信贷历史档案(框图28、30、32与34)的系统审查，决定是否给他们建立可开支票的活期存款帐户(即付存款帐户)型关系。这种评估是系统进行的，提供金融机构能高效地筛选可开支票的活期存款帐户候选人的方法，而被诈骗的可能性减小。
所有的对可开支票的活期存款帐户(即付存款帐户)请求都要进行系统社会保障号检索、联合的金融机构联合数据库信息检索以及呆账筛选，这样便可立即进行信用声誉可靠的评估。这一特征为当地分理处代表(LBR)12提供一套有效的方法确定那些由于社会保障号不对或不存在，或有不良信贷行为等，而当地分理处代表(LBR)12不能为之开设可开支票的活期存款帐户的申请人，除非当地分理处代表(LBR)12本人有适当的理由对此不予理会。
前台系统(框图14与16)的信息表示出信用评估的结果。对于合格的申请，将允许当地分理处代表(LBR)12即可开立可开支票的活期存款帐户。对于不合格的申请根据系统信贷标准，而给予当地分理处代表(LBR)12具有适当权利或拒绝选择的撤销屏幕。
ACAPS/银行卡处理
本发明的这一特征为分理处受理的银行卡申请的联机处理提供了与银行卡获取处理程序(框图40)的系统联系。如前面讨论过的信贷申请处理过程一样，分理处受理的银行卡申请要付予应答码(A、B、C或D)，反映出信贷应答，以及最高债务负担报盘与核实要求。
该处理系统地与银行卡获取系统(框图40)接合以对信贷请求提供几乎是即时的应答(包括在ACAPS26上执行的标准呆账筛选与自动信贷得分处理，以及在银行卡系统40上执行的诈骗检查，重复名字处理和已有卡号的审查)。系统处理的结果使得对申请人请求的处理时间缩短，信用卡发放快了，并从过去的纸张密集型银行卡申请处理过程的摒充中获得了效率。
系统处理使得所有的分理处受理的银行卡申请都通过所需的信贷评估处理，不论该处理存在于用于已有卡号、诈骗、SNN检索与重复申请的银行卡系统40，还是存在于具有银行卡信贷评估处理(例如呆账筛选、信贷得分等等)的ACAPS26。如产生了肯定的应答，返回分理处的信息将包括有条件的批准，该批准将通过特定的信贷额度的“接受”而完成，随即被传送至银行卡服务系统(框图42、62与40)进行登记。拒绝决定则向用于拒绝信函的发出的银行卡获取系统40发送适当的处理信息。该系统还可让事务部(框图44)对申诉情形进行干预。
信贷合格
这一特征提供“信贷合格”系统的处理，使得当地分理处代表(LBR)12知道(通过标志或光亮或所报金额)哪些申请人10通过了初步信贷评估筛选(例如呆账筛选、信贷得分等等)，鼓励他们集中精力推销其他的信贷商品，因为初步系统评估已表明申请人10是符合信贷条件的，尽管还要进行所需的核实。该系统的“信贷合格”处理是自动启动的，即使申请人没有申请信贷商品也如此。这样，到金融机构来开立存款帐户的申请人也会被“信贷合格”处理程序所评估，使得当地分理处代表(LBR)能发现信贷合格的可能客户。
通过ACAPS链接到与前台处理系统的系统信贷评估能迅速地确定“信贷合格”的申请人，使得当地分理处代表(LBR)12能立即分辨出符合初步信贷标准的申请人。当地分理处代表(LBR)12随即便可充分利用机会向这些申请人推销。
信贷资格标准(例如呆账筛选、信贷得分等等)将系统评估申请人有信誉水平并确定是否在前台系统上显示“信贷合格”记号。该记号可以表示出“信贷资格”的金额，也可以只向当地分理处代表(LBR)12表示申请人10已通过初步信贷标准筛选，表示是否要对有关请求的信贷商品进行费时的销售手续。该系统还可以根据在申请过程中从申请人处获得的信息，以及包含由管理系统选定商品的表格进行特定商品的推荐。该系统设计成如申请人10希望得到比在“信贷合格”方式下报给他们的更多的信贷时，能将“信贷合格”报盘转换为“信贷请求”。指向“信贷请求”的系统转换，重新标记请求，启动与标准信贷请求有关的所有必要的信贷评估标准(例如呆账筛选、信贷得分、债务承担等等)，以及在申请人10不符合信贷请求标准时找出适当的拒绝理由。
最近的竞争者
本发明的信贷处理系统是独特的。金融机构的负债与信贷审查/批准处理比其他联机处理程序更综合，能提供更快的服务。本发明为当地分理处代表(LBR)12以及他们的申请人10提供了联机处理系统，使得他们能不需要用纸件进行申请而直接在系统上输入他们的无抵押负债与信贷请求。抵押申请可以在收到文件之前得到有条件的批准(依所需的核实与批准而定)。
申请人10随着开设帐户的一步关系能立即建立包括分期付款贷款、反复使用的信贷额度以及支票透支保护等全部的银行关系。
系统概述
本发明的系统包括一个与前台处理与通信系统16连接的金融网络终端14，可查找含所有已有客户的有关信息的数据库17。前台处理与通信系统16与金融机构外部社会保障号与支票开具行为数据库(即Chexsystems(支票系统))以及与依次存取若干其他系统的ACAPS处理系统26连接。这些系统包括联机银行数据存取系统24，信贷档案系统28，数据存取系统36，银行卡帐户完成系统40，以及申请人往来/信息过帐系统42。
信贷档案系统包括至少与三个主要的信贷数据库-Equifax30、Trans Union32与TRW34的链接。
ACAPS处理系统26包括一个存贮已有客户信息，如处理中的申请、已完成的核实要求以及正在处理中的信贷合格报盘等的数据库27。
过帐联机信贷决定的处理由申请人往来/信息过帐系统与手工的事务部审查协同进行。
银行卡帐户完成系统40用来处理银行卡申请。
数据存取系统36用来在处理银行卡申请时获取已有的银行卡数据。
联机银行数据存取系统24用来获取关于已有客户的信息。它包括4个数据库：全球客户信息文挡库17、实时帐户往来/当前余额数据存贮库18、客户信息人口统计数据库20，以及附加银行往来数据库22。
从图40的框2000开始以流程图的方式表示了执行联机信贷审查与批准的系统与方法。进入前台处理系统(图1框14与16)，填写数据输入屏：(1)申请人10请求的信贷商品信息；(2)处理中(待处理)的申请；或(3)对申请人10提出的信贷合格报盘，这可由用于信贷决定处理(框2002)的ACAPS客户信息文挡存贮库(图1框27)生成。
输入的数据(框2002)被送到增强ACAPS26(框2004)。该数据的传送启动联机审查与批准决定处理程序。系统将进行背景比较处理以辩明申请人的附加的用于信贷合格报盘(框2005)分配的信誉水平。
用申请人10的信息，在银行联机数据系统内(框2006)进行查找(由商品维持屏4的关系参数定义(图7第20项))。银行联机系统由实时帐户往来/当前余额存贮库(图1框18)、现有客户人口统计数据库(框20)，以及附加往来数据库(框22)组成。对这些已有的银行数据系统的检索查找是由联机存取系统(框24)提供的。附加的以及更完整的已有客户关系数据也是从全球客户信息文挡库(框17)检索的。从这些系统中收集到的信息包括长期的、数月的已有客户与金融机构的关系，资产帐户的总数与美元金额以及负债帐户的总数与美元金额。如客户关系存在(框2008的YES分支)，使用由图12列出的联系规则的客户关系数据库生成关系标准码(框2010)。然后，在根据单独客户已有的与金融机构的关系而提供价格报盘中，关系码被用作在关系定价文挡(图11所示)所指定的商品中的查找关键，确定要存取的商品文挡表(图14所示)。
如关系不存在(框2008的NO分支)，则查找所指定的缺省商品文挡(图14)以提供价格报盘(框2014)。
所有的数据输入后，如商品维持—1(PM1)表(图3所示)排列的那样，执行用于最低年龄、最低收入、诈骗与重复申请等的前台预筛选(图41框2020)。如申请不符合预筛选参数(框2024的YES分支)，则用CCH优先表(图39所示)的最优先指定的路径状态送至事务部进行附加审查(框2024)。在事务部审查中，保证人或审查员可查找显示商品与保险信息(PII)(图18)与收入信息(INC)(图20)的屏幕，作为信息来源以帮助进行事务部信贷决定处理。申请保持“EN”状态—处理中，申请人10得到正在审查的通知(框2026)。根据本发明的处理过程现在进入结束交易程序(框2028)。
系统显示出为申请人10生成的任何信贷合格报盘，当地分理处代表(LBR)12现在便可与申请人10对此进行讨论(图51框2252)。如申请人愿意接受任一报盘(框2252的YES分支)，该信贷合格报盘便被转换成信贷请求，然后将需要用于最终决定联机信贷处理(框2256)。如申请人不愿意接受任一报盘(框2252的NO分支)，或在报盘转换为请求之后，ACAPS客户信息文挡(图1框27)便更新以存贮所有的信贷申请、信贷合格报盘以及输入的申请人核实信息(框2258)。在信贷资格板(QUA)(图25)与客户信息板(CIF)(图30)上示出了对该信息的存贮与查找。该信息的使用以及对资格报盘的查找一直到商品维持—9屏(PM9)(图22)定义的指定过期时限到期之前均可进行。更新完成之后，处理结束(框2260)。
通过预筛选后(框2022的NO分支)，即进行配置诈骗核实(框2030)。如申请不符合该核实要求(框2030的YES分支)，则申请路径与申请人的通知如上所述(框2024与2026)处理便进入上述图51所示的结束交易处理(框2028)。
如诈骗核实要求通过(框2030的NO分支)，则如图1框28、30、32与34所示，收集信贷档案报告(框2032)。
如配置的呆账/规定筛选未通过(框2034的YES分支55)，则申请状态变更为“RT”—建议拒绝(框2036)，随即如上所述送至事务部审查(框2048)，处理便进入上述图51所示的结束交易处理(框2028)。如呆账/规定筛选通过(框2034的NO分支)，则确定呆账应答码并给申请打上(框2038)。
如配置的债务承担核实要求未通过(框2040的YES分支)，则申请状态变更为“DB”—债务承担审查(框2042)，随即如上所述送至事务部审查(框2048)，然后审查处理便进入上述图51所示的结束交易处理(框2028)。如债务承担核实要求通过(框2040的NO分支)，则确定债务承担应答码并给申请打上(框2044)。
用商品维持—8屏(PM8)(图9所示)配置的参数与规则，将得分应答码赋予申请(图42框2052)。如该得分小于或等于拒绝临界值(框2054的YES分支)，则申请状态变更为“RT”—建议拒绝(框2062)，随即如上所述送至事务部审查(框2072)，申请人10得到正在审查的通知(框2074)，处理便进入上述图51所示的结束交易处理(框2076)。
如申请得分大于拒绝临界值并且小于调查值(框2056的YES分支)，则调查2路径被赋予申请(框2064)，申请状态变更为“RT”—建议拒绝(框2062)，随即如上所述送至事务部审查(框2072)，申请人10得到正在审查的通知(框2074)，处理便进入上述图51所示的结束交易程序(框2076)。
如申请得分大于或等于调查值并且小于批准临界值(框2058的YES分支)，则调查1路径被赋予申请(框2064)。如商品为抵押商品(框2068的YES分支)，申请状态变更为“CA”—有条件批准(框2070)；否则(框2068的NO分支)，申请状态变更为“RT”—建议拒绝(框2062)。申请随即如上所述送至事务部审查(框2072)，申请人10得到正在审查的通知(框2074)，处理便进入上述图51所示的结束阶段(框2076)。
如上述3种审查均不通过(框2054、2056与2058的NO分支)，申请得分被确定为大于或等于批准临界值(框2060)。如商品为抵押商品(框2078的YES分支)，申请状态变更为“CA”—有条件批准(框2080)，否则(框2078的NO分支)，申请状态变更为“RA”—建议批准(框2082)。
如商品为银行卡(框2084的YES分支)，则查找批量数据库(图1框56)检索申请人10的附加银行卡信息(图43框2092)。所有的输入的数据与电子方式收集到的申请人与所请求的商品的信息全传送至银行卡帐户完成系统(图1框40所示)用于银行卡处理系统的审批(框2094)。如申请人没有从银行卡帐户完成系统40得到“PASS”的标记(框2096的NO分支)，则申请状态变更为“BA”—银行卡分配(框2100)，赋予批准路径状态(框2102)，随即如上所述送至事务部审查(框2104)，申请人10得到正在审查的通知(框2106)，处理便进入上述图51所示的结束交易程序(框2108)。
对于处在审查与批准过程中的申请，所请求的商品根据申请信贷得分与申请人收入或申请人的银行关系数额与收入，如有的话，确定一个信贷限额(图44框2112所示)。
如推荐的分配额度在商品维持—3(PM3，图5)表明的债务承担审查范围内(框2114的YES分支)，则如图34的文件与图35、36、37及38的使用实施例所示，计算出最高债务承担报盘。如PM1(图3)的使用分配限额参数设定为“Y”(框2118的YES分支)，则最终分配额度为推荐信贷限额与MDBO额度中的较小额度(框2120)。如PM1的使用分配限额参数(图3)设定为“N”(框2122的YES分支)，则最终分配额度为请求贷款额度与MDBO额度中的较小额度(框2124)。如PM1的使用分配限额参数(图3)设定为“X”(框2126的YES分支)，则最终分配额度为商品最高允许额度与MDBO额度中的较小额度(框2128)。
如申请人10为学生，非侨居的外国人或个体户，并且符合PM3(图5)的例外参数(图45框2136的YES分支)，则申请状态不进行更新(框2140)，被赋予例外审查路径状态(框2142)，随即如上所述送至事务部审查(框2144)，申请人10得到正在审查的通知(框2146)，处理便进入上述图51所示的结束交易程序(框2148)。
如申请人10不符合上述参数(框2136的NO分支)，则申请处理将继续。对已有客户核实数据(存贮于图30的客户信息板所示的ACAPS客户信息文挡库)继续检索，通过商品维持—9屏(PM9，图22)的过期时限比较予以确认。最终分配/信贷报盘与商品分配核实文挡(图16所示)用来确定所需的核实(图46框2152)。
接下来，赋予银行负债余额应答码(框2154)。将最坏的信贷应答码选出(框2156)。从负债余额码与信贷应答码中选出较好的一个作为最终应答码赋予申请(框2158)。
根据申请得分、对申请人10数据的自动审查以及分配的应答码，即可作出自动信贷报盘决定(框2160)。该信贷报盘决定是驱动来自于图2所示的决定与排队码图表的应答的表格。如商品是有抵押的，可作出“RT”的决定—建议拒绝或“CA”的决定—有条件的批准(有待进行所需的核实与案卷工作)。如商品是无抵押的，可作出下列决定：“RT”—建议拒绝，“RA”—建议批准，“CA”—有条件的批准，或“CO”—还盘。
如商品是有抵押的(图47框2166的YES分支)，则分配的状态要审查(框2168)。如申请状态为“CA”(框2168的YES分支)，则通知申请人10有条件批准，并且正在进行申请的最终处理(框2170)。如状态为“RT”(框2168的NO分支)，则通知申请人10需要进行申请的进一步审查，并且正在审查中(框2172)。申请被送至事务部进行最终处理与审查(框2174)。处理便进入上述图51所示的结束交易程序(框2176)。
如商品是无抵押的(框2166的NO分支)，则申请状态要审查(图48框2182、2190、2198与2202)。如状态为“RT”(框2182的YES分支)，则如上所述申请被送至事务部进行审查(框2184)。通知申请人10正在审查中(框2186)。处理便进入上述图51所示的结束交易程序(框2188)。
如状态为“RA”(框2190的YES分支)，则向申请人10提出贷款报盘，并询问其接受还是拒绝该报盘(框2192)。如申请人10接受贷款(框2192的YES分支)，则申请状态更新为“AP”—批准待登记(框2194)，否则(框2192的NO分支)，则申请状态更新为“AW”—申请撤回(框2196)。处理便进入上述图51所示的结束交易程序(框2188)。
如状态为“CO”(框2198的YES分支)，则将压价低于信贷额度的还盘通知申请人10(图49框2208)。如申请人10接受压低的贷款额度(框2210的YES分支)，则进行所需的核实以完成申请过程(框2212)。如核实要求完成(框2212的YES分支)，则申请状态更新为“AP”—批准待登记(框2214)。如核实要求未完成(框2212的NO分支)，则申请状态更新为“CO”—还盘(待进行所需的核实)(框2216)。如申请人10拒绝接受报盘(框2210的NO分支)，申请人可以要求分配审查(框2218)。如申请人不要求审查(框2218的NO分支)，则申请状态更新为“NO”＿拒绝压价报盘(框2220)。如申请人要求审查(框2218的YES分支)，则申请状态仍为“CO”—还盘(待进行审查)(框2222)，申请随即被送至事务部进行申请人请求的审查(框2224)。处理便进入上述图51所示的结束交易程序(框2226)。
申请状态确定(框2202)为“CA”(框2182、2190与2198的NO分支)。将有条件批准通知申请人10(图50框2230)。如有一高于信贷报盘的提价存在(框2232的YES分支)，则向申请人10提出该高额的报盘(框2234)。随即询问申请人是否接受额度为原先请求的金额至金融机构提出的金额之间的贷款报盘(框2236)。如申请人10接受该报盘(框2236的YES分支)，则进行所需的核实以完成申请过程(框2240)。如所需的核实完成(框2240的YES分支)，则申请状态更新为“AP”＿批准待登记(框2242)。如所需的核实未完成(框2240的NO分支)，则申请状态仍为“CA”—有条件的批准(待进行所需的核实)(框2244)。如申请人10拒绝报盘(框2236的NO分支)，则申请状态更新为“AW”—申请撤回(框2238)。处理便进入上述图51所示的结束交易程序(框2248)。
尽管已经特别参照发明的较佳实施例对本发明进行了详细的说明，应当了解的是本发明还能完成许多其他的任务。本发明所属技术领域的普通专业人员非常清楚，本发明在其发明构思与范围内是可以进行各种变化与改动的。因此，上述的说明与附图不过是用来进行说明而已，无论如何不是用来限止发明范围的，而本发明范围应由所附的权利要求书确定。
Claims (25)
1.一种对申请人请求获得金融机构提供的商品或服务的申请进行实时，自动，联机审查的方法，包括下列步骤：
a)向数据处理与通信系统输入第1套数据，所述数据涉及由所述申请人提供的信息；
b)向所述数据处理与通信系统输入第2套数据，所述第2套数据涉及由所述申请人请求的商品或服务；
c)用所述第1套数据实时确定与所述申请人的关系文档，所述的关系文档是根据申请人所有的与金融机构的资产和负债额而建立的。
2.根据权利要求1所述的方法，还包括下列步骤：
d)生成一系别代表所述关系文档的不同类别；
e)用所述分类提取在以商品文档表中的于不同类别为基础的价格表，所述价格表包含金融机构提供的有关商品或服务价格的信息。
3.根据权利要求2所述的方法，还包括下列步骤：
f)将所述第1套数据与所述关系文档同预筛选标准进行比较以确定是否符合所述预筛选标准，所述预筛选标准包括所述客户的收入；以及
g)为申请人不符合上述预筛选标准的申请设定路径对其进行人工审查。
4.根据权利要求1所述的方法，还包括下列步骤：
d)根据所述第1套数据进行诈骗核实；
e)用所述第1套数据从至少一个信用档案中收集信用报告，将所述信用报告与最低限度呆账/规定标准进行比较。
5.根据权利要求1所述的方法，还包括下列步骤：
d)用所述第1套数据的信息查找社会保障数据库进行社会保障号筛选；
e)用所述第1套数据查找信贷档案；以及
f)申请对第1与第2套数据进行最低限度呆账/规定筛选。
6.根据权利要求4所述的方法，还包括下列步骤：
f)为申请人的不符合上述呆账/规定标准的申请设定路径对其进行人工审查。
7.根据权利要求4所述的方法，还包括下列步骤：
e)给所述第1套数据赋予呆账应答码；
f)准备基于所述信用报告与所述第1套数据的债务承担值；以及
g)将所述债务承担值与债务承担表参数进行比较。
8.根据权利要求4所述的方法，还包括下列步骤：
e)确定债务承担码并将所述码赋予所述申请人的申请，将得分应答码赋予所述申请人的申请；以及
f)将所述得分应答码与拒绝临界值进行比较。
9.根据权利要求4所述的方法，还包括下列步骤：
e)将所述申请人的申请得分与批准临界值进行比较；以及
f)将达不到批准临界值的申请人的申请送人工审查。
10.根据权利要求1所述的方法，还包括下列步骤：
d)给所述申请人分配信贷限额；
e)确定所请求的贷款额度是否在商品维持文挡的限度内；以及再
f)批准对所述申请人资金的支持。
11.一种对申请人请求获得金融机构提供的商品或服务的申请进行处理的计算机系统，包括进行下列处理的程序：
a)按照预先确定的操作规定对申请进行评估，按照预先确定的打分法对申请进行排队并立即将评估状态送至当地分理处代表；
b)为当地分理处代表提供关于特定商品请求的申请所能允许的最高信贷额度，其中对特定商品估算的偿债金额加上申请人所有的已知债务，包括提供债务的申请人与提供债务的信贷档案不得超出存贮的商品特定参数达指定控制债务承担之上；
c)为当地分理处代表提供基于所报出与所接受的金额所需的核实分类的系统鉴别，使当地分理处代表能选择完成所需核实的一套方法，使申请的登记在所有的所需核实全部完成之后才进行；
d)在审查信贷时自动地对申请人所有的帐户进行审查，以确定总的余额，从而确定报给申请人所请求商品的最佳价格，其中所述计算机有一系列含各商品的多种价格的表格来进行所述的确定；以及
e)在系统中以在以后由任何一位当地分理处代表完成申请的格式保存未完成的申请，为当地分理处代表提供一个付款日期以鼓励根据未完成申请的自动计时，跟踪未完成的申请。
12.根据权利要求11所述的系统，其中其程序还包括下列附加处理程序：
f)对申请人的信贷历史进行审查以确定是否为申请人建立即付存款帐户型关系。
13.根据权利要求11所述的系统，其中其程序还包括下列附加处理程序：
f)为银行卡申请的联机处理提供与银行卡取得处理程序的连接。
14.根据权利要求11所述的系统，其中其程序还包括下列附加处理程序：
f)向当地分理处代表指出信贷合格的申请人，其中信贷合格的申请人是指那些通过了初步信贷评估筛选的申请人。
15.根据权利要求11所述的系统，其中所述核实分类至少包括从：身份、电话号码、工作以及收入组成的一组项目中选出的一项。
16.根据权利要求11所述的系统，其中上述核实分类包括与申请人的能力、性格、抵押品以及信用有关的申请人信息。
17.一种对请求获得金融机构提供的商品或服务的申请进行处理的装置，包括：
a)一个包括多个第1数据接口的处理系统，通过多个第1数据接口中的一个可查阅多个金融机构外部联机信贷档案，通过多个第1数据接口中的一个可查阅金融机构外部的银行卡处理系统，通过所述多个第1数据接口中的一个可查阅金融机构外部的、存贮已有银行卡信息的银行卡数据存取系统，并存贮处理中的信贷申请，已完成与核实的信贷申请，以及待处理的信贷合格的申请；以及
b)前台处理与通信系统，包括一个输入申请人数据的终端，该终端通过所述多个第1数据接口中的一个与所述信贷处理系统连接，并具有第1专用数据接口；
c)一个通过所述多个第1数据接口中的一个与所述处理系统连接的联机数据存取系统，该联机数据存取系统通过所述第1专用数据接口与所述前台处理与通信系统连接，并包括多个存贮有关金融机构所有申请人信息，帐户信息，申请人的人口统计信息与银行往来的数据库；
d)一个通过所述多个第1数据接口中的一个与所述处理系统连接的决定申请处理系统，包括查阅银行卡处理系统的第2专用数据接口，在装置拒绝申请时为信贷申请设定路径进行人工审查。
18.根据权利要求17所述的装置，其中所述处理系统按照预先确定的信贷规定评估申请，按照预先确定的打分方法给申请排队并立即将评估状态传送到前台处理与通信系统，为当地分理处代表进行终端显示。
19.根据权利要求17所述的装置，其中所述处理系统为给当地分理处代表进行终端显示的前台处理与通信系统提供特定商品请求申请所能允许的最高信贷额度，并且其中对特定商品估算的偿债金额加上申请人所有的已知债务，不得超出所存贮的商品特定参数达指定控制债务承担之上。
20.根据权利要求17所述的装置，其中所述处理系统为给当地分理处代表进行终端显示的前台处理系统提供根据所报出与所接受的金额确定的所需的核实分类的系统鉴别，使当地分理处代表能选择完成所需核实的一套方法，使申请的登记在所有的所需核实全部完成之后才进行。
21.根据权利要求20所述的装置，其中所述所需的核实至少包括从：身份、电话号码、工作以及收入组成的一组项目中选出的一项。
22.根据权利要求20所述的装置，其中所述所需的核实包括与信贷申请人的能力、性格、抵押品以及信用有关的信贷申请人信息。
23.根据权利要求19所述的装置，其中所述处理系统在审查申请以确定总的余额从而确定报给申请人请求商品的最佳价格时，自动对申请人所有的帐户进行审查，包括已有的与新开设的帐户，并且在所述审查查找一系列含各商品的多种价格的表格以进行所述的确定期间，为所述前台处理与通信系统提供所述最佳价格，为当地分理处代表进行终端显示
24.根据权利要求19所述的装置，其中所述处理系统用允许在以后完成申请的格式保存未完成的申请，并向前台处理与通信系统提供所述未完成申请以响应来自前台处理与通信系统的请求。
25.根据权利要求24所述的装置，其中所述处理系统为给当地分理处代表进行终端显示的前台处理与通信系统提供一个付款期限，以鼓励根据未完成申请的自动计时跟踪未完成的申请。
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| CA (1) | CA2239713A1 (zh) |
| WO (1) | WO1997022073A1 (zh) |
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| CN110400116A (zh) * | 2018-04-24 | 2019-11-01 | 优信拍（北京）信息科技有限公司 | 一种基于企业办公流转审批的处理方法，装置及系统 |
| CN109104471A (zh) * | 2018-07-26 | 2018-12-28 | 新疆玖富万卡信息技术有限公司 | 一种推荐服务的方法、管理服务器和推荐服务器 |
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| US6088686A (en) | 2000-07-11 |
| WO1997022073A1 (en) | 1997-06-19 |
| AU1144697A (en) | 1997-07-03 |
| EP0954811A1 (en) | 1999-11-10 |
| BR9611941A (pt) | 1999-12-28 |
| JP2002515991A (ja) | 2002-05-28 |
| CA2239713A1 (en) | 1997-06-19 |
| AR010204A1 (es) | 2000-06-07 |
| AU713746B2 (en) | 1999-12-09 |
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