KR101798581B1 - Mobile Loan Appraisal and Contracting System - Google Patents

Abstract

The present invention relates to a lend eligibility screening system using a mobile terminal, in which a lending web application is installed to transmit a document necessary for lending examination in an image format, receives a loan contract form transmitted by a financial institution, A user terminal (100) for signing and signing and then transmitting the signature to a financial institution again; And a document to be reviewed for the loan received from the user terminal 100 to determine whether or not the user is eligible to make a loan, and transmits a loan contract form to the loan qualified person. The loan contract, And a financial institution computer server 200 for receiving and storing the financial institution data.

Description

[0001] Mobile Loan Appraisal and Contracting System [

The present invention relates to a system for facilitating the convenience of both a customer and a loan financial institution by examining whether or not the user is entitled to a simple and safe loan (loan) by using a mobile terminal and creating a contract based thereon.

In the case of the existing lending process, the lending process is performed by the lending customer visiting the financial institution such as the bank and applying for the loan. When the approval of the loan is decided at the stage of the examination product, the teller of the financial institution responds to the request of the customer by taking the wire communication You will be asked to visit.

In response to these requests, if the customer revisits the bank and signs the loan agreement, the loan transaction is concluded. In this case, the time consumed by the customer visiting the bank and the sales force of the counter staff responding to the visiting customer are lost do.

In order to alleviate these inconveniences, there are cases where the documents related to the loan application (the proof of examination) are directly transmitted to the mobile terminal of the employee of the loan intermediation or examination. However, the problem of this method is that the personal identification information document Is stored in the personal terminal of the financial institution employee, and there is a high possibility that damage such as the leakage of personal information occurs.

Therefore, there is a need to introduce a new system of loan review and contract system that can exclude the possibility of leakage of personal information through the terminal of the employee who conducts the loan broking or examination without visiting the financial institution directly.

In order to solve the above-mentioned problems, the object of the present invention is as follows.

First, it is an object of the present invention to provide a new system that can effectively prevent the problem of leakage of personal information that may be inconveniently generated in a loan application and examination through a mobile terminal and a contract writing process.

Second, it is a further object of the present invention to provide a new system that can quickly and conveniently perform loan application, examination, and contract writing through a mobile terminal.

Third, it is another object of the present invention to provide a new system that can digitize all documents related to a loan and minimize the costs of document storage and management.

Fourth, another object of the present invention is to provide a new system adopting a method of directly writing on a screen rather than a simple digital signature when a contract is prepared.

Fifth, another object of the present invention is to provide a system capable of preparing a loan qualification examination and a contract even if the official certificate or the biometric information is not stored.

The present invention relates to a lend eligibility screening system using a mobile terminal, in which a lending web application is installed to transmit a document necessary for lending examination in an image format, receives a loan contract form transmitted by a financial institution, A user terminal (100) for signing and signing and then transmitting the signature to a financial institution again; And a document to be reviewed for the loan received from the user terminal 100 to determine whether or not the user is eligible to make a loan, and transmits a loan contract form to the loan qualified person. The loan contract, And a financial institution computer server 200 for receiving and storing the financial institution data.

Upon requesting the financial institution data server 200 for a personal identification number through the user terminal 100, the financial institution computer 200 transmits the personal identification number to the user terminal 100.

When the personal identification number is input through the user terminal 100 and is transmitted to the financial institution computer 200, the financial institution computer 200 checks whether the personal identification number matches the assigned identification number, The financial institution data server 200 requests the user terminal 100 to submit a document necessary for the loan examination and the documents necessary for the loan examination transmitted through the user terminal 100 are transmitted to the user terminal 100. [ When the user captures images sequentially in accordance with the items presented by the rental web application by using the camera function of the user terminal 100, only the images are stored in the web application for rental. After transmitting the photographed images to the financial institution computer server 200, (100).

In the loan agreement form transmitted to the user terminal 100 of the loan qualified person, the loan amount, interest, and loan period approved as a result of the loan qualification examination performed by the financial institution computer server 200 are displayed on the upper, lower, right, And the customer will confirm the presented contents and write it directly on the screen of the corresponding field in accordance with the presented contents, and the customer will directly write it on the screen with the handwriting in the corresponding field of the handwritten signature.

Technical effects of the configuration of the present invention are as follows.

First, it is possible to effectively prevent a problem of leakage of personal information that may be incurred incidentally in a loan application and examination through a mobile terminal and in a contract writing process.

In other words, the existing loan method (loan) using the mobile terminal is transmitted through the personal mobile of the employees of the loan broking or examination, and the proof document or the contract is exchanged. The loan related documents contain the valuable personal information of the customer , Unexpected damage may occur when such personal information stored in the personal mobile of the loan related employees is illegally distributed. However, in the case of the present invention, the loan related documents are not transmitted to the personal mobile of the financial institution employees, through Only a small number of employees transferred directly to a financial institution computer server and preauthenticated can access this information, thereby preventing damage due to personal information leakage.

Secondly, it is possible to quickly and conveniently perform loan application, examination and contract writing through the mobile terminal.

In other words, if the customer can not ask for a lending review directly to the lending institution, if the customer is living in a remote place, or if it is difficult to sit on the PC screen and write a letter of agreement, It is possible to contact the relevant financial institution promptly so as to satisfy the convenience of the customer, and at the same time, the financial institution can promote the sales promotion and the image improvement of the financial institution.

Third, it is possible to digitize all the documents related to the loan and minimize the cost of document storage and management.

In other words, it is a reality that the office space of the loan-related financial institution is filled with the loan examination documents and the contract documents, which are the receipt documents of the customers. In some cases, the duplicate customer documents are duplicated or printed and stored. Therefore, by storing and managing customer documents and the like in the computerized system using the present invention, it is possible to inquire and review through the computerized screen, thereby reducing the cost of generating unnecessary documents and eliminating the need for an office space for document storage, It can be re-created as a space for commercialization, and even in the case of debt handling such as amortization in debt management, the efficiency of business can be improved by amortizing the computerized amount.

Fourthly, according to the approved loan amount, interest, and loan period presented on the screen of the mobile terminal, not only a simple electronic signature but also a customer's handwriting on the screen, It is possible to easily confirm whether or not the handwritten information is written in case of a subsequent legal dispute, thereby preventing unnecessary disputes in advance.

Fifth, in case of using a mobile terminal storing a public certificate issued by an accredited certification body or biometric information for accredited authentication, and also using a mobile terminal which can not perform such accredited authentication procedure, We can secure a customer base.

Fig. 1 is a conceptual diagram showing the overall configuration of the present invention.
2 is a block diagram illustrating a procedure according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings.

The present invention relates to a lend eligibility screening system using a mobile terminal.

The user terminal 100 is provided with a loan web application. Clients who need to borrow a loan can use the user terminal 100 to transfer the documents necessary for loan review in an image format, and form a loan agreement form transmitted by the financial institution And send it to the financial institution after handwriting and handwritten signature in the corresponding column.

The financial institution computer server 200 examines the documents necessary for the loan examination received from the user terminal 100 to determine whether the loan is eligible or not, and transmits the loan contract form to the eligible loaner. A customer who needs a loan receives a loan contract form through his or her user terminal 100 and uses a user terminal 100 to complete a loan contract after completing handwritten information and handwritten signature, The financial institution computerized server 200 stores it in the financial institution database 210 and transfers the corresponding amount to the account designated by the customer. The handwriting and the handwritten signature can be conveniently performed on the screen of the user terminal 100 using a touch pen provided in a smart phone or the like, and a tool capable of substituting the touch pen can be used if the touch pen is not provided.

Such loan (loan) qualification examination and contract writing are made as shown in Fig.

The customer's terminal 100 requiring a loan requires a loan web application to be installed. The loan web application can be directly selected by a customer in an app store, a play store, or the like, The user can request the loan consultation request to transfer the web application for loan from the financial institution computer server 200 to the user terminal 100 for installation. That is, the customer clicks on the loan web application sent from the financial institution computer server 200 to install the loan application.

When the customer requests the personal identification number to the financial institution computer server 200 using the user terminal 100 having the web application for the loan, the financial institution computer 200 provides the personal identification number to the user terminal 100, .

When the customer's personal identification number is input through the user terminal 100 and transmitted to the financial institution data server 200, the financial institution data server 200 carries out a personal identification procedure for checking whether the personal identification number matches the assigned identification number .

When the personal authentication procedure is completed, the financial institution computer server 200 requests the user terminal 100 for a document necessary for the loan examination.

The following documents are required for loan review.

If the customer who needs a loan is a worker, it includes a certificate of employment, an ID card, a copy of payroll, a withholding receipt, a medical insurance payment record, a resident registration copy or a herbal copy. Herbal, and business photos.

Documents necessary for the loan examination transmitted through the user terminal 100 are stored only in the loan web application when the user takes a picture sequentially according to an item presented by the loan web application using the camera function of the user terminal 100, The image is not separately stored in the user terminal 100 after the image is transmitted to the financial institution computer server 200. [

Of course, it is possible to add a separate option function and store it separately in the storage folder in the smartphone.

The financial institution computerized server 200 is provided with a financial institution computer 200 for receiving a payment or an amount of tax included in a document necessary for the loan examination transmitted from the user terminal 100, an existing loan received from an external credit evaluation institution, A reference table is set in advance.

The financial institution computer server 200 calculates the evaluation score by summing the scores according to the evaluation criteria table, and determines the eligibility of the loan, the loan amount, the interest and the loan period based on the evaluation score.

When it is determined that the loan is eligible, the financial institution computer server 200 transmits the loan contract form to the user terminal 100 of the loan proper. When the loan contract form is transmitted from the financial institution computer server 200 to the user terminal 100 The web application installed in the user terminal 100 searches whether there is a public certificate stored in the user terminal 100 or biometric information for public authentication, and when there is an official certificate or biometric information for public authentication, A screen for inputting biometric information is presented.

When the password or biometric information input by the user through the user terminal 100 matches the previously stored password or biometric information, the web application of the user terminal 100 provides a loan contract form on the screen of the user terminal 100 do.

Here, the authorized certificate means a certificate issued by a predetermined authorized institution, and depending on the issuing organization of the certificate, a resident registration number may be requested together with a password.

The biometric information for authorized authentication is used as means for confirming the identity of each individual by registering the physical characteristics of each individual such as iris, fingerprint, etc. of the customer in advance in an accredited institution. The same information as the information registered in the authorized institution is transmitted to the user terminal 100 ), It is possible to perform the same function as the public certificate that is commercially available. The only difference is that it is not checking whether the set password is matched, but checking whether the registered biometric information is matched.

If there is no authorized certificate or biometric information for authorized authentication stored in the user terminal 100, the web application of the user terminal 100 presents a screen for confirming whether or not it intends to create a loan contract without going through a public authentication procedure, If the user intends to create a loan contract through the user terminal 100, the loan contract form is provided on the screen of the user terminal 100. If you do not enter your intention to create a loan agreement, you will not be willing to make a loan agreement and terminate the process.

In the loan agreement form transmitted to the user terminal 100, the loan amount, the interest, and the loan period approved as a result of the loan qualification screening performed by the financial institution computer server 200 are displayed on either the upper side, the lower side, the right side, , The customer confirms the presented contents and writes them directly on the screen of the corresponding column in accordance with the presented contents, and the customer directly writes on the screen in the corresponding column of the handwritten signature on the screen. The account of the client of the loan should also be included.

When the handwritten entry is completed on the screen of the corresponding field of the loan agreement form, the screen is automatically moved to the next corresponding field so that the handwritten entry can be sequentially performed. When the handwritten entry is completed, Automatic movement can be performed.

If you do not choose automatic movement, you can go directly to the required field of handwriting in the loan contract form. You can zoom in or zoom out on the touch screen and go to that location.

When the loan contract is created through the authorized authentication process in the user terminal 100, the loan contract is sent to the financial institution computer server 200 when the handwritten information and signature are completed, and the financial institution computer server 200, And transfer the amount of the loan to the loan account described in this item.

When the loan contract is created without the official authentication procedure in the user terminal 100, the web application of the user terminal 100 presents a screen for requesting the customer to input the fax number or e-mail address.

When the customer inputs the fax number or e-mail address through the user terminal 100, the user terminal 100 transmits the inputted fax number or e-mail address to the financial institution computer server 200 together with the loan contract created without performing the official authentication procedure send.

The financial institution computer server 200 re-transmits the loan agreement form to the fax number or e-mail address, and the customer prints out the loan contract form retransmitted by fax or e-mail, rewrites the loan contract by handwriting and handwritten signature, And transmits it to the financial institution computer server 200 by capturing it with the terminal 100.

The financial institution computerized server 200 stores the loan contract, which is photographed together with the loan contract prepared without passing through the official authentication procedure, in the financial institution database 210.

In some cases, the originals of the loan contracts, which have been retransmitted and made up of handwritten letters and handwritten signatures, may be sent to financial institutions by separate registered mail.

In addition, the financial institution computer server 200 stores the documents necessary for the loan examination, the loan contract form, the customer name, the loan account, the loan eligibility, the loan amount, the interest, and the loan period transmitted through the user terminal 100 The financial institution database 210 may be included to continuously manage information about the customer, such information may not be accessible to general employees, and only some employees who are allowed access to the information may access the financial institution database 210 So that the information can be retrieved.

In addition, if interest or principal delinquency arises in the financial institution database (210), such overdue contents are also entered and stored. If additional loans are made to the same customer, Information can be utilized.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of limitation, Addition or deletion of a technique, and limitation of a numerical value are included in the protection scope of the present invention.

100: User terminal
200: Financial institution computer server
210: Financial institution database

Claims (9)

The present invention relates to a lend eligibility screening system using a mobile terminal,
A web application for a loan is installed, a document necessary for loan examination is transmitted in an image format, a loan contract form transmitted from a financial institution is received, a handwritten signature and a handwritten signature are displayed on the screen of the corresponding bank, (100);
The user terminal 100 judges whether the loan is eligible or not by checking the documents required for the loan examination and transmits the loan contract form to the eligible loan applicant and transmits the loan contract and the loan contract signed by the user terminal 100 A financial institution computer server 200 for receiving and storing financial institution data; And
A loan name, a loan account, a loan eligibility, a loan amount, an interest, and a loan period, which are included in the financial institution computerized server 200 and which are transmitted through the user terminal 100, A financial institution database 210 for accessing only authorized employees and searching for relevant information;
And,
When the financial institution computer 200 requests an authentication number from the user terminal 100 to the financial institution computer 200, the financial institution computer 200 transmits the authentication number to the user terminal 100,
When the personal identification number is input through the user terminal 100 and is transmitted to the financial institution computer 200, the financial institution computer 200 checks whether the personal identification number matches the assigned identification number, ,
When the user authentication is completed, the financial institution computer server 200 requests the user terminal 100 for the documents necessary for the loan examination,
Documents necessary for the loan examination transmitted through the user terminal 100 are stored only in the loan web application when they are sequentially photographed according to items presented by the loan web application using the camera function of the user terminal 100, Once the photographed image is transmitted to the financial institution computer server 200, it is not separately stored in the user terminal 100,
In the loan agreement form transmitted to the user terminal 100 of the loan qualified person, the loan amount, interest, and loan period approved as a result of the loan qualification examination performed by the financial institution computer server 200 are displayed on the upper, lower, right, , The customer can confirm the contents presented and write them directly on the screen of the corresponding field in accordance with the contents presented in the handwritten form,
When the handwritten entry is completed in the corresponding column of the loan contract form shown on the screen of the user terminal 100, the screen is automatically moved to the next relevant field, and the handwritten entry is sequentially made,
When the loan contract form is transmitted from the financial institution computer server 200 to the user terminal 100, the user terminal 100 determines whether there is a public certificate stored in the user terminal 100 or biometric information for authorized authentication The user terminal 100 presents a screen for inputting an authorized certificate password or biometric information for authorized authentication, and displays a password or biometric information input through the user terminal 100 in advance, Provides a loan contract form on the screen of the user terminal 100 when the information agrees with the information,
If there is no authorized certificate or biometric information for authorized authentication stored in the user terminal 100, the user terminal 100 presents a screen for confirming whether the user intends to create a loan contract without going through a public authentication procedure, If a loan contract intention is input through the terminal 100, a loan contract form is provided on the screen of the user terminal 100,
When the user terminal 100 generates a loan contract without going through a public authentication procedure, the user terminal 100 presents a screen for requesting input of a fax number or an email address,
If the fax number or e-mail address is input to the user terminal 100, the user terminal 100 transmits the fax number or the e-mail address entered together with the loan contract created without accreditation to the financial institution computer server 200 Lt; / RTI &
The financial institution computer server 200 retransmits the loan contract form to the corresponding fax number or e-mail address,
The financial institution computer 200 transmits the financial contract to the financial institution computer 200 by photographing the financial contract with the user terminal 100. [ The financial institution database 210 stores the loan contract photographed together with the loan contract prepared without passing through the official authentication procedure,
In the financial institution computer server 200,
An evaluation reference table to which a score based on the benefit amount or the added tax amount included in the document necessary for the loan examination transmitted from the user terminal 100, the existing loan received from the external credit evaluation institution, and the overdue status is set in advance, And calculating the evaluation score by summing the scores according to the evaluation criteria table, and determining the eligibility of the loan, the loan amount, the interest and the loan term based on the evaluation score. The method of claim 1,
The loan web application installed in the user terminal 100 is installed through an app store or a play store or directly transferred from the financial institution computer server 200 to the user terminal 100. [ A system of non - conformity assessment and contract writing using. In claim 1,
Documents required for loan review include,
In case of the worker, it includes certificate of employment, ID card, copy of account book, withholding receipt, medical insurance payment result document, resident registration copy,
A business registration certificate, a sales tax payment record, an identification card, a copy of a resident registration, a herbal copy, and a business photograph of a business place.
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