KR102086094B1 - Individual carrier daily redemption loan servicing system using smart devices - Google Patents

Abstract

Disclosed are a personal operator daily repayment loan service system and a loan service method thereof connected to at least one smart device through a network. The personal operator daily repayment loan service method, the server performing the advisor authentication; Providing a home page by the server when the advisor authentication is completed; An advisor selecting a desired menu from a home page; The server providing information on the selected menu.
The present invention is a smart device that is a portable terminal of a financial institution connected to the server that manages the mortgage loans of the financial institution and the result of determination of the loan amount requested by the customer with the personal information input outside the bank branch and the maximum loanability and Loan interest rates can be provided in real time at any place, 24 hours a day, 365 days a year, regardless of location and time. Financial options can be designed to meet customer needs through option selection and various simulation results.

Description

{Individual carrier daily redemption loan servicing system using smart devices}

The present invention relates to a personal operator daily repayment loan service system and method using a smart device, and more particularly, a personal operator daily repayment loan service system using a smart device that lends business operation funds to an individual operator using a smart device. And to a method.

In general, private business owners use their home loans to finance their business, but if they are difficult to secure homeowners, they will make credit loans.

In particular, in banks, loans can be made online as well as at bank counters, allowing users to make loans conveniently.

However, the prior counseling and application service system using the Internet banking system confirmed the maximum loan rate and interest rate by accessing the Internet banking of the financial institution through the customer's own terminal and inputting his / her personal information. Customers who do not have a certificate, or customers who are not familiar with the system, have difficulty in using the system on their own and have not used it.

In addition, most conventional loan systems are simple households with a simple logic. As it is mainly applied to credit loans, customers who need large funds (especially private business owners) had to visit a bank branch for consultation.

Therefore, limited external loan service was provided outside the sales office, and the customer was dissatisfied with the external loan service. Especially, if you are a small business owner, such as a market merchant or doing business by yourself, you can leave your own office and open a bank branch. It was difficult to apply for a loan and it was difficult to apply for a loan.

Patent Publication No. 10-2002-0029188 (2002.4.18) Title: Method of Procurement of Funds and Management of Lending Using the Internet of Banks

Therefore, the problem to be solved by the present invention in order to solve the above-mentioned problems, the smart device that is a portable terminal of the financial institution is connected to the server managing the financial institution individual operators daily repayment loan service, the individual entered outside the bank branch With the information, the result of the loan amount requested by the customer, the maximum loan availability, and the loan interest rate can be provided in real time at any place for 24 hours a day, 365 days a year, regardless of location and time. It is to provide a system and method for daily repayment loan service for individual operators using smart devices that can design financial products according to their needs.

In addition, by displaying various information about this loan product visually through charts and graphs, a smart device that makes it easy for customers to understand the product and immediately accepts loan applications can be borrowed to receive loans as soon as possible. It is to provide a system and method for a daily repayment loan service used by individual operators.

The personal operator daily repayment loan service method using a smart device according to an embodiment of the present invention for achieving the technical problem,

As a loan service method of a personal operator daily repayment loan service system connected through at least one smart device and a network,

The server authenticating the advisor;

Providing a home page by the server when the advisor authentication is completed;

An advisor selecting a desired menu from a home page;

The server providing information on the selected menu.

If the selected menu is a new consultation, the server providing information necessary for the new consultation;

If the selected menu is the pre-receipt history, the server includes providing the previously received consultation information.

The step of providing the information required for the new consultation by the server,

Receiving identity verification information of the loan applicant through the smart device, and verifying identity verification by the server;

If the identity verification authentication, the server requesting a credit inquiry to an external credit server;

If the credit check passes, the server receiving loan application information;

Calculating, by the server, a principal repayment amount, a loan limit amount, and a contract period according to the smart device selection of the advisor;

And checking the one-day principle repayment, the loan limit amount, and the contract period, and then selecting the loan application, allowing the server to proceed with the preliminary examination.

If the preliminary examination passes, the server requesting the examination document;

The server scanning the examination document and applying for the examination;

* If the screening passes, the server makes a loan agreement, and the control step so that the customer can securely communicate.

When the customer selects the loan repayment graph, the server further includes the step of generating and providing the monthly payment principle payment amount and the remaining loan amount at the time of the loan in the form of a graph according to the principle payment method.

The personal operator daily repayment loan service system using a smart device according to an embodiment of the present invention for achieving the technical problem,

As a personal operator daily repayment loan service system connected through at least one smart device and a network,

A database storing advisor information, interest rate information and information, and loan product information;

Refer to the database to look up the loan applicant's credit, and provide the principle payment repayment, loan limit amount and contract period information, if the loan application information is entered, provide the loan judgment result, the selection information of the smart device Including a server to guide the information according to,

The server executes the method.

The server,

An application rating system that aggregates the customer's information to predict future credit status and provides audit result information including whether the customer's loan application amount is available;

Loan control unit for guiding the principle repayment schedule to control the customer to securely finance the loan;

A one-principle repayment calculator for calculating one-principle repayments;

A loan limit amount calculation unit for calculating a loan limit amount;

An agreement period calculation unit for calculating an agreement period;

When selecting a loan repayment graph, a graph generation unit for generating a monthly payment principle payment amount and the remaining loan amount at the time of the loan in the form of a graph in accordance with the principle repayment method;

It includes a table appraisal progression progressing the table appraisal.

In the embodiment of the present invention as described above, the smart device, which is a portable terminal of the financial institution, accesses a server managing the daily repayment loan service of the individual financial institution, and the loan amount applied by the customer with the personal information input outside the bank branch. The results of the decision, the maximum loan availability and the loan interest rate can be provided in real time at any place for 24 hours a day, 365 days a year, regardless of location and time.The financial products are designed to meet the needs of customers through the selection of options and various simulation results. It is possible to provide a personal operator daily repayment loan service system and method using a smart device.

In addition, a variety of information about the loan product through a chart and graph to visually express a smart device that makes it easier for customers to understand the product, and immediately accept the loan application to receive a loan as soon as possible It is possible to provide a system and method for a personal service daily repayment loan service used.

1 is a block diagram of a personal operator daily repayment loan service system using a smart device according to an embodiment of the present invention.
2 is a flowchart illustrating an operation of a personal operator daily repayment loan service system using a smart device according to an embodiment of the present invention.
3A to 3C are detailed views of the new counseling step of FIG. 2.
4 to 22 are diagrams showing examples of screens provided to a smart terminal or a manager terminal in a personal operator daily repayment loan service system using a smart device according to an embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, only the embodiments are to make the disclosure of the present invention complete, and common knowledge in the art to which the present invention pertains. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In this specification, the singular also includes the plural unless specifically stated otherwise in the phrase. As used herein, “comprises” and / or “comprising” refers to the presence of one or more other components, steps, operations and / or elements. Or does not exclude additions. Unless otherwise defined, all terms used in the present specification (including technical and scientific terms) may be used in a sense that can be commonly understood by those skilled in the art. In addition, the terms defined in the commonly used dictionary are not ideally or excessively interpreted unless they are specifically defined clearly.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to describe the present invention in more detail.

1 is a personal service daily repayment loan service system using a smart device according to an embodiment of the present invention,

Credit information server 210, the appraisal agency server 220, reviewer terminal 230 and manager terminal 240 and at least one smart device 400 and the personal operator daily repayment loan connected through the network 200 As the service system 100,

A database 120 that stores advisor information, loan applicant information, contract information, account information, interest rate information and information, and loan product information;

Refer to the database 120 to look up the loan applicant's credit, and provide the principal principle repayment, loan limit amount and contract period information, and if the loan application information is entered, provide the examination decision result of the loan, the smart device The server 110 guides the information according to the selection information of the 400.

The server 110,

An application rating system 111 that aggregates the information of the customer to predict the future credit status and provides the examination result information including whether the loan application amount is available to the customer;

Loan control unit 112 for guiding the principle repayment schedule to control the customer securely through the financial financing;

A one-principle repayment calculator 113 for calculating one-principle repayment;

A loan limit amount calculation unit 114 for calculating a loan limit amount;

A contract period calculator 116 for calculating a contract term;

When selecting a loan repayment graph, the graph generator 115 generates and provides a monthly payment principle payment amount and the remaining loan amount at the time of the loan in the form of a graph according to the principle payment method;

It includes a table emotion progression unit 117 for progressing the table emotion.

The smart device 400 may be another portable mobile device such as a tablet PC or a notebook computer, and a person in charge of the bank may carry the loan counseling by accessing the server 110 from the outside.

Referring to the operation of the personal operator daily repayment loan service system using a smart device according to an embodiment of the present invention having such a configuration as follows.

2 is a flowchart illustrating an operation of a personal operator daily repayment loan service system using a smart device according to an embodiment of the present invention.

3A to 3C are detailed views of the new counseling step of FIG. 2.

Referring to FIG. 2, an advisor in a bank who is an advisor operates the smart device 400 while consulting with a customer and proceeds with an authentication procedure thereof (S10). The authentication screen at this time is shown in Figure 4, four times, enter the password and press the login button.

Then, the server 110 authenticates the advisor by using the advisor information stored in the database 120.

When the advisor authentication is completed, the server 110 provides a homepage. An example of such a homepage is shown in FIG. 5.

In this state, the advisor selects the desired menu from the homepage with the smart device 400.

Here, the menu can be divided into My Page, New Consultation, Pre-Receipt History, Main Receipt History, and other details such as one day explanation, daily principal payment amount, loan limit calculation, contract term calculation, and card sales calculator.

If necessary, you can use or view loan agreements, loan applications, loan instructions, etc.

After that, the advisor selects a desired menu using the smart terminal, and the server 110 provides information on the selected menu. This will be described in more detail as follows.

First, when the advisor selects a new consultation among the menus in the smart terminal, the server 110 provides information necessary for the new consultation to help the new consultation, and the contract is made as necessary (S200).

On the other hand, if the selected menu is the pre-receipt details (S300), the loan control unit 112 of the server 110 guides the pre-screening progress for each lender under preliminary examination, and also guides in any of the seven steps (S310) ). Here, step 7 is steps (S301 to S307) to be described below.

On the other hand, if the selected menu is the reception history (S400), the loan control unit 112 of the server 110 provides which step of the present reception history (S309 ~ S317) of the applicants currently received ( S410).

In addition, when selecting the My Page (S100), the loan control unit 112 of the server 110 provides the pre-receipt progress information, the main receipt history information, etc. that the advisor is in progress as shown in FIG.

In particular, my page, according to the selection of the smart device 400, the preliminary examination status guide (S110), the main reception progress information (S120), announcements (S130), description of the one-day loan (S150), loan agreement form ( S160), financial calculator (S140), daily principle payment (S141), loan limit calculation (S142), contract term calculation (S143), and the like, the corresponding information is provided, and such information is selected and provided during a new consultation. It is possible.

In the loan agreement form box (S160), you can use or view the loan agreement, loan application, loan description, and the like.

In the above process, the step of providing information necessary for the new consultation by the server 110 will be described in detail.

First, the loan control unit 112 of the server 110 receives new identification information of the loan applicant through the smart device 400 for the new consultation, and the server 110 authenticates identity verification (S301). ). In addition, after the customer identity verification process proceeds to the customer consent to provide credit information through the ARS (S302).

Referring to FIG. 6, in the identity verification step, after inputting the required information on the screen, select 'Yes (call center)' among the items for providing credit information and press the consultation registration button.

Next, call the customer at the call center 1644-0052 and instruct them to proceed with authentication.

The customer then proceeds with the identity verification according to the call center announcement.

When the call center authentication is completed, press the authentication inquiry button of the smart device 400 to check whether the authentication.

In addition, when there is a guarantor, the information of the guarantor is also input to the smart device 400 as shown in FIG. 7.

If you have multiple guarantors, you can do so by clicking the Add guarantor button.

At this time, input information is the personality of the guarantor (person, individual business owner, corporation selection), relationship with the borrower (only if the borrower is a sole proprietor, only co-operators), if the borrower is a sole proprietor, enter the name, if the corporation is a business name If the borrower is a sole proprietor, he / she must enter the social security number.

And cell phone number is input only numbers without "-" input, business number is input only numbers without "-" input.

After that, the registration of the guarantor information or the guarantor information cancellation (initialization) is selected to complete the registration.

After entering the joint guarantor information, the joint guarantor must verify his / her identity and must pass the same method as the borrower (call center or written notice).

When identity verification is authenticated, the server 110 makes a credit inquiry by requesting an external credit information server 110 (S303).

When passing the credit inquiry (S304), the loan control unit 112 of the server 110 receives the loan application information (S305).

Here, the customer selects a loan product and inputs loan application information such as loan application amount, interest rate type selection, and annual income information. In particular, when entering real estate collateral information, the appraiser can request a table appraisal and apply a rough appraisal. Therefore, no appraisal costs are incurred, and the loan process can be carried out at a minimum cost.

Referring to FIG. 8, as a screen for inputting loan application information such as a loan application amount, a loan period, and an interest rate, one-day loan FA, PA, and a combination product may be selected.

Enter the loan application amount in hundred thousand won and the loan period in ten days.

The application rate is entered into the borrower's request rate, not the system's automatic calculation rate, and the change of the card sales account is checked whether the company designates the ordinary deposit account for the card sales payment.

The card sales amount is the monthly card sales amount of the place of business.

Cash revenue is the cash revenue of a business place. Cash receipts can be entered into cash receipts or bank account transactions.

Fund Use enters the purpose of the loan.

And also enter the workplace information as shown in FIG.

Also, as shown in FIG. 10, a business address search may be performed, and a photograph of a business place may be attached as shown in FIGS. 11A and 11B.

Also, as shown in FIG. 12, a tenancy deposit may be input.

On the other hand, if the screening results (S304), credit loans did not pass the credit inquiry due to more than seven cases or other delinquency, etc., the loan control unit 112 of the server 110 stops the loan application progress or the main examination proceedings confirmation step Proceed to S311.

After the loan application information is input, the server 110 calculates and provides a principle payment, a loan limit amount, and a contract period according to the selection of the smart device 400 of the advisor (S306).

For example, it is possible to check the expected loan information as shown in FIG.

In addition, as shown in Figure 14 it is possible to check the degree of loan available per DIR.

When the customer or the advisor selects the loan repayment graph in the process (S306), the graph generator 115 of the server 110 graphs the monthly payment principle repayment amount and the remaining loan amount at the time of the loan according to the principle repayment method. It can also be created and provided in the form.

In addition, when the customer or the advisor selects the principle payment of repayment with the smart device 400, the monthly payment repayment calculator of the server 110 calculates and provides the principle payment of repayment.

The daily principle repayment amount inquiry is a calculator that can check how much the principle amount to be paid every day by setting the loan amount, annual interest rate, and the term of the loan.The principle of daily principal equality repayment method according to the standard of savings bank is applied. Less than 10 won will be rounded up from the calculated principal and settled in the final round.

At this time, the principal, interest and principal are calculated as follows.

In addition, when the customer or the advisor selects the loan limit amount using the smart device 400, the loan limit amount calculation unit 114 of the server 110 calculates and provides the loan limit amount.

Loan Amount Retrieval is a calculator that can check how much money can be borrowed by setting the principle of repayment of loan, annual interest rate, and loan term.

Here, the loan period is up to 1,800 days, can not exceed the maximum loan period, the principal repayment within the loan period is fixed at 100%.

And the loan amount is lowered at the first circle.

In addition, when the customer or advisor selects the contract period as the smart device 400, the contract term calculation unit 116 of the server 110 calculates and provides the contract period.

Here, the contract period calculation unit 116 calculates the contract period, that is, the maximum possible loan contract period, and can determine how long it is possible to use the loan by setting the loan amount, annual interest rate, and daily repayment amount.

The result of the calculation will be posted to the first decimal place, but the amount of the daily payment is as follows.

The daily principal repayment amount of the repayment principal during the loan period-(the remaining amount at the maturity of the loan x the annual interest rate / 365).

On the other hand, table appraisals are possible when real estate is secured, and the appraisals are not accompanied by formal appraisal activities by external appraisal agencies. It's a service that provides you with a range.

In order to relieve the space business constraints of the savings bank, which has fewer branches than the general financial sector, we are implementing on-site service to visit customers.

In order to provide smooth financial counseling in the field, the operation is computerized and the expected appraisal value of collateral is quickly and accurately provided by electronic method to provide the loan limit of collateral goods.

The table appraisal service method is as follows.

15 is a diagram illustrating a table appraisal method, first, the advisor selects a table appraisal SMS application by using the smart device 400.

Then, the smart device 400 provides an information input screen as shown in FIG.

The advisor inputs the real estate information (S1502). For example, enter the name of the financial institution, the name of the person in charge, the contact number of the person in charge, and the study information of the property.

After the input is completed, if the SMS transmission is selected, the smart device 400 transmits the input content to the server 220, the evaluation evaluation method through the table emotion processing unit 1117 of the server 110 (S1504).

Referring to FIG. 17, taking advantage of the smart device 400, the contents of the described table sentiment are transmitted by SMS, and sent to the server 220 or the contact information to be transmitted and received in advance.

Then, as shown in Fig. 18, the server 220 in the appraisal evaluation corporation receives a table appraisal request by the MO service method, and can query the contents on the bulletin board of the appraisal institution homepage.

Subsequently, the appraisal evaluation corporation server 220 assigns a person in charge (S1505), the person in charge examines the expected appraiser (S1506), and the appraiser as a result of the review is returned by wire through the appraisal appraisal corporation server 220 (S1507). . You can also reply by text or other means as needed.

Then, the SME finance team manager checks the principal principle repayment, loan limit amount and contract period provided by the server 110 to the manager terminal 240 (S307),

Referring to Figure 13, the expected loan information confirmation and pre-screening can be received, the expected loan information is the result of the ASS results inquiry (ASS loan rate and DIR, check the principle payment repayment amount) according to the loan application information.

If necessary, the person in charge can change the loan product, loan application amount, loan period change, loan application information by selecting the re-review to the manager terminal 240.

If you select Confirm after change, it will be confirmed as a modification of loan application information.

If necessary, the SME Finance Team may also comment on the loan application.

If necessary, the person in charge selects the DIR limit inquiry and inquires or presses the preliminary examination button to accept the preliminary examination. Press the OK button to complete the pre-review.

Referring to FIG. 14, a loan availability confirmation and reinquiry screen for each DIR is provided.

Therefore, the DIR calculation (used as a loan limit guide function) becomes.

Mortgage and credit loan amounts can be corrected in CB loans if the information on collateral and credit loans registered on CB is incorrect. However, the sum of mortgage loans and credit loans before and after the change must be the same.

Monthly income is calculated as monthly income based on the simple expense ratio by industry.

DIR is the debt repayment rate.

If DIR recalculation is selected, the DIR value changes with the changed information when the DIR is recalculated after changing the information.

If you confirm the change after the change, the loan application information will be changed (updated).

In the amount of loans available for each DIR, it is possible to check the amount of loans available for each DIR and the amount of daily repayment, and also the risk risk.

Loanable amount per DIR is provided for the purpose of the loan limit guide.

As a result, there is no impact on the credit limit screening criteria.

If the loan acceptance is selected (S308), the loan control unit 112 of the server 110 to perform a preliminary examination (S309).

After the preliminary examination by the preliminary examiner, the loan control unit 112 of the server 110 receives the examination result from the examiner terminal 230, and when the preliminary examination passes, the loan control unit 112 of the server 110 is smart. This examination document is requested to the device 400 (S310).

On the other hand, when the loan is rejected as a result of the preliminary examination, the loan control unit 112 of the server 110 stops the loan application process or proceeds to the main examination progress determination step (S311).

If the advisor selects the main examination proceeding in the main examination proceeding confirmation step (S311), the loan control unit 112 of the server 110 requests the examination document (S310), the advisor receives the examination document from the loan applicant and scan To upload to the loan control unit 112 of the server 110.

Then, the manager in charge of the SME finance team inputs the examination application information to the manager terminal 240 to apply for the examination (S312).

The first examination is made by the examiner (S313), the first examination result is received through the examiner terminal 230 to the loan control unit 112 of the server 110, and when the first examination passes, the server 110 The loan control unit 112 determines whether the loan amount is more than 20 million won (S315).

* If more than 20 million won, the loan control unit 112 of the server 110 guides the examiner terminal 230 to perform the second examination (S316).

Thereafter, the second examination is made by the examiner (S316), the second examination result is received through the examiner terminal 230 to the loan control unit 112 of the server 110, and when the second examination passes, the server. The loan control unit 112 of 110 guides the smart device 400 to make a loan agreement (S317).

In this case, the loan control unit 112 of the server 110 may provide information necessary for the loan agreement according to the selection of the smart device 400.

For example, the advisor receives and displays an additional agreement from the loan control unit 112 of the server 110 using the smart device 400 and inputs necessary information.

On the other hand, if the first examination or the second examination does not pass in the process, the loan is not possible (S314), and can be re-examined later through supplementation.

In addition, when the loan agreement is completed, the loan control unit 112 of the server 110 to control the customer to securely communicate with the bank so as to receive the loan amount by account transfer.

The loan control unit 112 of the server 110 stores the contract information in the database 120 and opens an account with the loan applicant (S318).

After that, the person in charge of the bank establishes a mortgage for the preservation of the bond and notifies the transfer of the bond (S319).

Then, the loan statement is executed (S320) and account management is performed (S321).

In addition, the bank clerk notarizes the promissory note (S322).

Thereafter, the borrower deposits the loan principal into the account, and the loan principal is automatically stored (S323), and when the overdue occurs through the short-term delinquent management (S324), a notice of loss of the deadline profit (S325), legal proceedings such as forced execution will be carried out. It may be (S326).

For reference, an example of the reception history is illustrated in FIG. 19.

20 shows an example of an agreement.

These forms can be varied.

For reference, an example of the description of the one-dayron serving in the present invention is shown in FIGS. 21 and 22.

In this process, the audit is conducted in a second stage, but in some cases, only the first audit may be performed.

In the embodiment of the present invention as described above, the smart device, which is a portable terminal of the financial institution, is connected to a server managing the mortgage loan of the financial institution, and the result of the determination of the loan amount requested by the customer with personal information input outside the bank branch. And the maximum loan availability and loan rate can be provided in real time at any place for 24 hours a day, 365 days a year, without restriction on location and time, and financial products can be designed to meet customer needs through option selection and various simulation results. .

In addition, various information about the loan product is visually represented through charts and graphs so that customers can easily understand the product and can immediately receive a loan application to receive a loan as soon as possible.

While the present invention has been described with reference to the embodiments shown in the drawings, it is only for the purpose of illustrating the invention, and those skilled in the art to which the present invention pertains various modifications or equivalents from the detailed description of the invention. It will be appreciated that one embodiment is possible. Therefore, the true scope of the present invention should be determined by the technical spirit of the claims.

Claims (1)

As a personal operator daily repayment loan service system connected through at least one smart device and a network,
A database storing advisor information, interest rate information and information, and loan product information;
Refer to the database to look up the loan applicant's credit, and provide information on the principle payment repayment, loan limit amount and contract period, if the loan application information is entered, provide the loan judgment result, the selection information of the smart device Including a server to guide the information according to,

The server authenticates the advisor,
When the advisor authentication is completed, the server provides a homepage,
When the advisor selects a desired menu on the homepage, the server provides information on the selected menu,

If the selected menu is a new consultation, the server provides the information necessary for the new consultation,
If the selected menu is the pre-receipt history, the server provides the previously received consultation information,

In order for the server to provide information necessary for new consultation,
The server receives the identity verification information of the loan applicant through the smart device and authenticates the identity verification,
When the identity verification is authenticated, the server makes a credit inquiry by requesting an external credit server.
If the credit check has passed, the server receives the loan application information,
The server calculates and provides the principal principle repayment, the loan limit amount and the contract period according to the advisor's selection of the smart device,
After checking the one-day principle repayment, the loan limit amount and the contract period, if the loan application is selected, the server proceeds with the preliminary examination,
The one-way interest is calculated as
,

The loan limit amount is calculated as follows,

The loan period is up to 1,800 days, can not exceed the maximum loan period, the principal repayment within the loan period is fixed at 100%,
The contract term is calculated as follows,

If the preliminary examination passes, the server requests this examination document,
The server scans the examination document and applies for examination;
If the screening passes, the server makes a loan agreement and controls the customer to securely finance the loan.
When the customer selects a loan repayment graph, the server generates and provides the monthly payment principle repayment amount and the remaining loan amount at the time of the loan in the form of a graph according to the principle repayment method,

When the advisor selects the Taksam appraisal SMS application using the smart device 400, the advisor inputs the real estate information (S1502), and selects the SMS transmission, the smart device 400 displays the input contents of the server 110. Transmitting to the server 220 through the table emotion processing unit 1117 (S1504);
When the table appraisal request is received in the MO evaluation method server in the appraisal evaluation corporation server 220, the corresponding appraisal institution may be inquired on the homepage bulletin board of the appraisal evaluation institution, and a person in charge is assigned (S1505);
When the person in charge examines and inputs the expected assessed value (S1506), the appraisal evaluation corporation server 220 returns the assessed value of the review result by wire (S1507).
The daily service loan service system for individual operators using smart devices.

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