KR20020048838A - Loan information system on linked with A.R.S & Web - Google Patents

Abstract

The present invention provides not only the lender's visit to various financial institutions, but also provides all the information that enables the lender to compare and select the unique lending conditions of various financial institutions and various types of loan-related products through the A.R.S telephone,

Even if you want a real loan, as the ARS system prompts you to enter it only once, all information related to the loan applicant's personal information and surroundings are entered into the main computer that is automatically connected to the ARS system. ,

The information entered in this way can be accessed from various financial companies that need it, and the information that is deemed worth reviewing, among all the information entered by each loan applicant. Among the data that have been collected, collected or screened, analyzed and reviewed,

Loan conditions, repayment terms, monthly payments, interest, other deductions, etc. that are considered to be the most appropriate for each individual loan applicant. Among the new types of breakthrough financial loan information systems, loan applicants are given the right to decide after selecting and comparing financial institutions that offer the most appropriate and favorable conditions after comparing and reviewing their own situation. will be.

Description

Loan information system on linked with A.R.S & Web}

According to the ARS, when the loan applicant is willing to borrow the loan, the loan applicant must first understand all the information on the loan through the ARS telephone, without having to visit several banks in order to consult with the lender. By pressing the button of the phone in order to receive the personal information, it is automatically linked to the main server connected to the ARS system.

The various information materials of each individual applicants entered in this way are loan information providing methods that notify the loan applicants directly after determining loan conditions such as interest and collateral and various repayment conditions appropriate for various types of financial institutions. ,

Loan applicants can separate all information about loans by each financial institution by A.R.S phone call, and can fully understand, compare and analyze all information about numerous loan products.

Many financial institutions are intensively inputted into the main computer of the headquarters according to the present invention that the numerous unspecified number of lenders who wish to be generated at any time are scattered without region classification. It is provided to make it possible to make a revolution in the provision of information on simple and convenient financial loans.

Not only do financial institutions have their own unique characteristics, but it is very difficult for loan applicants to find loans from financial institutions because the conditions are so difficult. Moreover, there is a slight difference in each financial institution. Finding a financial firm that best suits your needs and closest to all conditions has been overwhelming, but for a lender who must find one, it is a traditional loan to visit many financial institutions. The process was,

However, according to the present invention, the problem of the loan process can be easily solved. In particular, by using the ARS system of the head office, the loan applicant is provided with information on various loan products for each financial institution so that they can be compared and analyzed. ,

If you want a real loan, you only need to enter it once, according to the guidance of the A.R.S system, so that the loan applicant can visit each financial company individually, and the specific information required by a specific financial institution is comprehensively organized.

If you input only once according to the guidance of A.R.S system, all the information will be automatically inputted to the web server of the main computer.

In other words; If the individual's personal information and loan application information are inputted to each of the plurality of loan applicants, they are simultaneously inputted in real time to the main server connected to the loan applicants. Each financial institution will be able to retrieve the information by displaying the information on the site by inserting the specific unique ID and password of each financial institution that the headquarters gave when registering.

In the reality that the telephone has been widely distributed nationwide, it is a convenient system that allows users to easily apply for a loan using the telephone even in the absence of a personal computer.

In addition, multiple financial institutions present each other with the most favorable conditions, so that the loan applicant can select a more favorable loan condition.

Loan applicants who have entered the necessary information for loans can check in real time how many financial institutions their information has been inquired through the ARS, and in addition, the password given to the loan applicant for the protection of personal information. (E.g. 7 digits of the back number of the social security number, etc ...)

In addition, since all information on the types of loans of each financial institution is classified into the first financial sector, the second financial sector, and the third financial sector, the information on any loan can be easily identified and compared.

In addition, each financial institution can search the site by inputting their own password to the unique ID assigned by the head office when signing up as a member of the headquarters. Enter the distinctive ID, and the main phone enters the unique ID assigned by the head office and automatically connects to the ARS system of the headquarters where the interworking network is formed.After that, the operation starts by inserting each password and clicking. The same phenomenon was used.

When the first main phone is not available, the second main phone is automatically connected.

The present invention provides a method for directly accessing various financial institutions by inputting personal information or various environmental relations of loan applicants according to the guidance of the ARS system through the conventional method of individually discussing loan relations with financial institutions using a regular telephone. We have made it easy to apply for a loan only once, without having to visit us in person or discuss over the phone.

The data entered in this way are automatically connected to the main computer of the head office, and the screen is displayed as soon as the website is accessed. The main computer is connected to various financial institutions that require this information. When each user's password is inputted to a specific unique ID, some or all of the desired information can be searched and printed out.

In addition, when various financial institutions visit individual loan applicants' sites to search for the necessary information, they automatically record the accumulated number of visits so that loan applicants can check the real-time inquiry through ARS from time to time. By checking the hits, you can track the progress of the loan potential.

After each financial institution visits the website of the head office to search for loan applicants' information, only one loan applicant's information is displayed on one screen, so if additional information is needed, the window of the next or previous screen is displayed. Only by clicking will be able to retrieve the information of another loan applicant entered before the real-time transfer,

If you click on the window to search for different information like this, the number of clicks to visit each window is automatically accumulated so that the number of visits to a plurality of loan applicants by financial institutions and the loan applicant's own The number of visits from multiple financial institutions is recorded separately, and the number of visits to the loan applicant can be confirmed by ARS linked to the main computer, and the number of searches visited by financial institutions is recorded on the website screen. It is supposed to be.

Figure 1 shows the flow that is actually formed through this system that links A.R.S system and Web to the loan information usage relationship between loan applicants and financial institutions. To explain in more detail,

The ARS system and the web server are linked to the main office, and loan applicants can compare and analyze various loan products of each financial institution through the ARS system. 3 financial sectors, etc., you can easily find a question about any type of loan, you can be provided a summary information to select the most favorable conditions,

If you want a real loan, you can enter the personal information of the loan applicant and various information related to the surrounding environment according to the guidance of the ARS system installed at the head office, and the entered data are all stored on the web server of the main computer where the interlocking network is formed. The information will be entered as is,

Each financial institution that makes every effort to obtain these materials is connected to the main computer of the headquarters. After searching, collecting and analyzing information about the possibility of loans,

Through the ARS system, the loan applicant can check the number of visits of each bank visited in order to grasp his information in real time, and depending on the possibility of loans, not only favorable loan conditions from financial institutions, but also favorable repayment conditions It is possible to receive notifications directly from the banks individually or other subsidiary conditions. These are very simple and convenient loans that may be possible because the information on the loan of the ARS system according to the present invention can be provided in advance. It is an information system.

2 is a general flow diagram of the present system.

* Explanation of symbols on the main parts of the drawings.

1: Loan applicant. 2: A.R.S central system. 3: main computer.

4: financial institution. 5: local operators.

According to the configuration of the present invention, the loan applicant 1 inputs the personal information and various information necessary for the loan one by one according to the guidance of the central system 2 through the ARS. The inputted data are automatically inputted to the web server of the main computer 3 connected by interworking through the ARS system of the head office.

In the Web site, enter the domain headquarters www.xxx.co.kr or www.xxx.com or newly acquired Hangul domain, etc., and a window containing information required by the financial institution (4) is displayed on the developed screen. It is formed separately. In this window, you can enter the next screen only if the password of each financial institution is inputted to the unique ID given by the head office for each financial institution.

In this way, when the next screen is displayed, the real-time information of the loan applicant (1) is displayed as it is, all the necessary information of the loan applicant is entered on one screen, and information of the next loan applicant is separately searched at the bottom of the screen. There is a window for entering the site, and the window for entering the second and third loan applicants' sites is indicated by "Next", or "Click here" or "Press".

I.D and Password can be searched continuously by entering it once to enter the information search site.

When entering the second, third, or more information of the next loan applicant, you can enter only through windows such as "Next", "Click Here", "Press", and the number of visits entered in this way is separately The total number of visits is automatically recorded in the total number of visits, and the number of visits is recorded on the left or right side of the next screen after entering ID and Password on the first screen. The total number of visits is displayed on the stationary desktop.

The visit count record field can be searched and printed out on a monthly basis or on a visit basis for each financial institution through the main computer on a daily or visit basis.

If you click ID after inputting ID and Password, the information of the most recently entered loan applicant will be posted on the site. The number of visits at the bottom is the sum of the previous visits and the information displayed on the current screen. The number of visits will appear automatically.

For the plurality of loan applicants 1 collected in this way, a plurality of financial companies 4 who need this information thoroughly analyze the conditions, personal information and environment presented by each loan applicant. After setting up the loan conditions most suitable for the situation with the self-financing company, they were notified and consulted directly.

Loan applicants can compare various conditions notified by various financial institutions, and then select one of the most suitable financial loans to enter into a formal loan agreement. We want to provide a way of providing information.

In addition, each financial institution can be given a unique I.D that can be connected to an information search site only when signing up for the head office, and when signing up for membership, the first and second representative phones must be entered separately.

The main phone is to enter the financial institution's unique ID on the web site, and is automatically connected to the ARS system of the head office. If not, the main phone is automatically connected to the second main phone. After inputting and clicking, the web site screen appears, and the ARS system of the head office is simultaneously operated by the interlocking network system.

After that, when the search is completed and the site is closed, the A.R.S system is automatically disconnected.

In addition, the head office provided convenience by providing a separate operating system in the relevant area (5) and supporting the program at the head office for the convenience of information provision of loan applicants in other regions.

As described above, according to the present invention, the loan applicant is able to derive more advantageously the services of the financial institutions that are provided because the prior grasp of the various loan information is made completely, the effect is

One . Eliminate the hassle of visiting many financial institutions in person,

2 . You can easily apply for a loan in the home,

3. Loan decisions can be made quickly,

4 . You can select the lowest interest among many financial institutions,

5. You can choose the most favorable condition among financial institutions,

6. For small loans, the preparation of documents is very simple,

7. You can get a loan from a single visit to a selected financial institution, which saves time and reduces transportation costs.

8 . You can easily and easily understand the loan information of financial institutions you want to know, and you can be provided with all the information to compare and analyze each other.

Lastly, since the first borrower goes anywhere and cannot afford to refuse the high interest offered by the loan, there are many problems that can only be accepted and concluded without even harder terms and conditions. The invention is to provide a breakthrough financial distribution method that can be completely solved.

In addition, each financial institution has made tremendous physical efforts such as excessive spending such as production costs and other advertising expenses and customer acquisition by frequent campaigns of its high-ranking personnel in order to continue to make frequent loan borrowers into their customers. And cost loss is great. Since all the information such as the personal information of all potential customers can be provided from the headquarters in a comprehensive and continuous way, it is the most desirable financial distribution method that can be collected easily and conveniently at once. will be.

Claims (3)

ARS telephone 101 and the computer Web Sever 102 is connected to each other by the interlocking 103, the loan applicant 104 by using the ARS telephone 101, all of the loan products for each financial institution 105 After receiving the information (106), you can identify and compare each other, and if you want an actual loan, ARS system 101 by inputting your personal information and environment-related information 107 as guided by the ARS system 101, At the same time, all the information is simultaneously input to the main computer 108 of the head office which is connected to the interlocking 103 at the same time, and the inputted data are transmitted from the various financial institutions 105 that require it. 109) system 100 for searching and selecting the necessary information and connecting with the loan applicant 104 to make a loan. The method of claim 1 Loan applicant 104 uses the ARS system 101 to check the number of visits 111 of financial institutions 105 visited to review and collect the information of the user 110 previously inputted by the ARS. 112), and each financial institution 105 joins the member of the head office (116), and then enters their password into the web site of the head office (114) for the unique ID (113) given by the head office. Applicants' information search (115) and collection is possible, each time the individual applicants search for loan applicants Site (111) the number of times the system to record the number of records. The method of claim 1 Representative phone entered by each financial institution when signing up to the Web Site is connected to the specific unique ID given by the head office when visiting the web site and linked to the ARS system of the head office. If you click after input, the ARS system of our headquarters is also automatically connected and operated at the same time.