KR20040033566A - System and Method for Optimizing Loan Condition On Network - Google Patents

Abstract

The present invention relates to a system and method for making loans under optimal conditions using a network, and the method relates to a member authentication for reading member authentication according to customer information input by a customer connected to a main server through a customer terminal. And a loan application step in which the member authenticated in the member authentication step inputs loan application data necessary for loaning through the customer terminal; and calling loan application data input by the customer stored in the loan application database by a matching operator. And a loan / credit condition matching step of calculating a loan product by matching the condition data related to the credit by the financial institution stored in the credit information database; and transmitting the loan application to the financial institution server corresponding to the loan product, and the financial institution. Loan approval step to receive data that the server approves the loan ; And a payment step of paying the loan amount according to the loan product. In this way, a customer who wants to borrow can visit a site, extract information on loans and financial products that are most favorable to the customer, and apply for a loan in real time.

Description

System and Method for Optimizing Loan Condition On Network using Loan with Optimum Condition

The present invention relates to a system and method for processing loans under optimal conditions using a network, and in particular, when a customer who wants to obtain a loan accesses a main server through the Internet, a loan most suitable and advantageous to the customer among a plurality of loan products. The present invention relates to a system and method for extracting a product so that a loan is made in real time.

In general, a site that relays loans through the Internet lists its own members by comparing loan products information and loan products of each financial institution. In other words, it is limited to providing them in a simple arrangement by financial institution, purpose, etc. Therefore, customers should search each site to find out details of simple listed loan products provided by the site or loan products of each financial institution in order to receive loans. There is this.

In addition, you can apply for loans through the Internet, but you must visit a bank window of the financial institution to open a bankbook, verify your identity, apply for Internet banking, submit a loan document, and write an agreement. There is a problem to submit.

Accordingly, the present invention has been made to solve the problems described above, the object of the present invention is not only to provide product information about the loan on the Internet, but to find the most suitable and advantageous loan products for each customer To the customer.

Second, it provides a way to make loans in real time by verifying the identity of customers who want to borrow without visiting a financial institution.

1 is an overall configuration diagram of a system for loaning at an optimal condition using a network according to an embodiment of the present invention.

2 is a schematic configuration diagram of a main server used in the system according to FIG. 1;

Figure 3 is a simplified overall flow diagram illustrating a method of loaning using the system according to Figure 1;

4 is a flowchart showing a member authentication step according to FIG. 3;

5 is a flowchart showing a loan / credit condition matching step according to FIG. 3;

* Description of the symbols for the main parts of the drawings *

10: main server, 20: customer terminal,

30: financial institution server, 40: credit information server server,

60: web server, 80: sig-ai (CGI),

110: member management department, 120: loan application management department,

130: credit condition management unit, 140: matching operation unit,

150: payment management unit, D10: member information database,

D20: Loan Application Database, D30: Credit Information Database,

D40: Payment Information Database

This object is easily achieved by the present invention, in accordance with an aspect of the present invention. The main server of the system, which consists of a customer terminal, a financial institution server, a credit information server server, a main server, and a network connecting them, makes a loan under optimal conditions, the personal information data and the member information input by the customer through the customer terminal. A member management unit which calculates whether the customer is authenticated by comparing the data stored in the database; and a loan application management unit which stores and manages data to be loaned in the loan application database; and is transmitted from the financial institution server. Credit condition management unit for storing and managing the condition data related to the credit in the credit information database; Call the loan application data entered by the customer stored in the loan application database and the condition data related to the credit of the financial institution stored in the credit information database By matching Matching management unit for calculating the loan product; And a payment management unit that pays the loan requested by the customer according to the matching result of the matching management unit.

According to another aspect of the present invention, a method of loaning in an optimal condition using the system, the member authentication step of reading whether the member authentication according to the customer information input by the customer connected to the main server through the customer terminal And a loan application step in which the member authenticated in the member authentication step inputs loan application data necessary for loaning through the customer terminal; and loan application data input by the customer stored in the loan application database by the matching operation unit. A loan / credit condition matching step of calculating a loan product by calling and matching condition data related to a credit of a financial institution stored in the credit information database; and displaying the loan product calculated in the loan / credit condition matching step on the customer terminal. A loan product selection stage for the member to select the loan product And a loan application preparation step of preparing a loan application through the customer terminal according to the loan product selected in the loan product selection step; and transmitting the loan application to the financial institution server corresponding to the loan product. A loan approval step of receiving loan approval data from the financial institution server; And a payment step of paying the loan amount according to the loan product by the payment management unit.

According to another aspect of the present invention, in the member authentication step, the mobile number is transmitted from the personal information input by the customer to the corresponding service provider server to request the wireless transmission of the authorization number, and the authorization number transmitted from the corresponding customer terminal. The user authentication step of authenticating the identity through whether or not to match the approval number received from the communication service provider server; characterized in that it further comprises.

In the present invention, the loan application data input through the customer terminal in the loan application step is the customer's name, occupation, resident registration number, sex, address, hope loan, hope interest rate, hope repayment period, hope division conditions, loan use And transmitting the personal information input by the member to the credit information company server, and receiving the corresponding credit information from the credit information company server and transmitting the credit information to the matching operation unit. Characterized in that included.

And, in the present invention, the loan / credit condition matching step; setting a matching condition to the matching operation unit; and storing the credit condition data according to the loan product transmitted from the financial institution server in the credit information database And calling the loan application data input by the customer stored in the loan application database by the matching operation unit; and calling condition data related to the credit of a financial institution stored in the credit information database. Calculating matching according to the set matching condition; outputting a matching result if there is a matched result; and calculating a second match based on a preset second matching condition if there is no match result; It is characterized by including.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, and like reference numerals designate like parts throughout the drawings.

1 is an overall configuration diagram of a system for making loans under optimal conditions using a network according to an embodiment of the present invention, and FIG. 2 is a schematic configuration diagram of a main server used in the system according to FIG.

The system used in the present invention is composed of a customer terminal 20, financial institution server 30, credit information company server 40, the main server 10 and a network 90 connecting them.

The main server 10 is composed of a CGI 80, a web server 60, and the database (D10, D20, D30, D40) and the like, the web server 60 is the customer terminal 20 and the server It is connected to IP 30 and 40, transmits and receives various data based on email and web, and performs central control of the database. The CGI 80 receives information of a user having an IP address that transmits a user identification number or a URL from the web server 60, and reads information from a corresponding database and file according to the qualification. Output to the web server 60.

The database may be divided into a member information database D10, a loan application database D20, a credit information database D30, and a payment information database D40.

In addition, the main server 10 to calculate the member authentication of the connected customer by comparing the personal information data entered by the customer via the customer terminal 20 and the data stored in the member information database (D10) The management unit 110; and the loan application management unit 120 for storing and managing the data to be loaned to the customer in the loan application database (D20); and credit condition data related to the credit transmitted from the financial institution server 30 Credit condition management unit 130 to store and manage in the information database (D30); and calling the loan application data entered by the customer stored in the loan application database (D20) of the financial institution stored in the credit information database (D30) Matching management unit 140 for calculating loan products by matching the condition data related to the credit; And a payment management unit 150 for paying the loan requested by the customer according to the matching result from the matching management unit 140.

The method of making loans under optimal conditions using the system configured as described above will be described in detail with reference to FIG. 3 is a simplified overall flow diagram illustrating a method of loaning using the system according to FIG.

As shown in the figure, a customer accessing the main server 10 through the customer terminal 20 inputs his or her personal information, and the member management unit 110 inputs the personal information and the member information database ( D10) in the case of matching and calling the data of the member stored in the member authentication step (S10) to authenticate the member to the customer; proceeds to the customer, the customer authenticated as a member to the loan through the customer terminal (20) Loan application step (S20) for entering the necessary loan application data; is performed.

And, loan / credit condition matching step (S30); in the loan application data stored in the loan application database (D20) by the matching operation unit 140 calls the loan application data stored in the credit information database (D30) The financial institution extracts loan products by matching the condition data related to the credit.

And displaying a plurality of loan products calculated in the loan / credit condition matching step (S30) on the customer terminal 20, wherein the member selects a desired loan product among the displayed loan products. (S40); proceeds to.

The loan product selection step (S40); according to the loan product selected in the loan application is written through the customer terminal 20 (S50), the loan application is sent to the financial institution server 30. The financial institution server 30 will approve the loan by reviewing the loan application of the customer (S60). When the loan is approved as described above, the customer finally confirms the loan and makes a loan, and the loan is deposited into the bank account input by the customer (S80). And if you want, you can also search for additional loans.

The method according to the present invention described as a whole will be described in detail with reference to FIGS. 4 to 5.

In the member authentication step (S10), a customer who first accesses the main server 10 through the customer terminal 20 logs in, and in the member manager 110, the ID and password entered by the customer are the member. The corresponding data stored in the information database D10 is called to compare and determine whether there is a match, and then authenticate as a member. Then, the customer who is denied authentication as a member is asked whether to join as a member, and the customer who intends to register as a member registers as a member. Data input at the time of registration as a member is stored in the member information database D10 in real time, and is used as member authentication data when the member later accesses, and the customer authenticated as a member applies for a loan. In order to confirm the real name, the main server 10 transmits a mobile phone number from the personal information input by the customer to a corresponding service provider server (not shown) and requests wireless transmission of an authorization number, and the corresponding customer terminal 20 Receiving the authentication number transmitted from the) through the identity authentication to the identity through whether the identification number transmitted from the communication service provider server (identification step) (not shown); preferably further includes.

The member who wishes to loan among the customers authenticated as members as described above, the customer's name, occupation, resident registration number, sex, address, hope loan, interest rate, hope repayment period, hope division period, loan through the customer terminal 20 Apply for the desired loan, etc. (S20). At this time, the basic information such as the name and resident registration number of the customer information is transmitted to the credit information company server 40 to apply for a credit evaluation of the customer, the credit rating of the customer received from the credit information company server 40 The result is used as basic data in the loan / credit condition matching step (S30) described later.

And, the financial product information released for each financial institution is received in real time by the financial institution server (30). The received data is stored in the credit information database D30 by the credit condition manager 140.

Figure 5 shows the loan / credit condition matching step (S30). The loan / credit condition matching step (S30) is carried out by the matching operation unit 140, each of the loan information of the customer stored in the loan application database (D20) and simultaneously stored in the credit information database (D30) Call the credit terms of financial products classified by financial institutions to match the nearest financial products. The matching condition is set in advance by the operator of the main server 10, weighted by the conditions such as minimum interest rate, maximum loan amount, the longest repayment period, and the like by the score calculated by the weight Matching is performed by the matching operation unit 140. Such matching condition setting may be changed by the operator, and in the second matching, it is desirable to allow the customer to give a desired weight.

When the matching result is calculated in the step, the plurality of financial products according to the result is transmitted to the customer terminal 20 to allow the member to select the financial product (S40). If the matching result is not calculated, the matching operation can be performed by applying the secondary matching condition, and the result is transmitted to the customer terminal 20.

When the customer clicks on the desired financial product among the plurality of financial products transmitted as described above (S40), the loan application according to the selected financial product is transmitted to the customer terminal 20 by the loan application management unit 120. In the transmitted loan application, the customer enters the loan application (S50). The loan application prepared as described above is received by the loan application management unit 120 and transmitted to the corresponding financial institution server 30 to request a loan approval. The financial institution server 30 finally sends the loan approval to the main server 10, and when the loan approval is received, the main server 10 also sends the loan to the customer terminal 20. If necessary, the customer may perform an additional search to obtain a loan through a plurality of financial products.

The approved loan is deposited by the payment management unit 150 to the customer's account and such data is stored in the payment information database (D40).

According to the above method, the customer who wants to borrow can visit a site to extract information on the loan and the most favorable financial product for the customer, and apply for a loan in real time.

What has been described above is only one embodiment for implementing a system and method for making loans under optimal conditions using the network according to the present invention, and the present invention is not limited to the above-described embodiment, and the following claims are made. As claimed in the scope of the present invention without departing from the gist of the present invention, those skilled in the art belong to the technical spirit of the present invention to the extent that various modifications can be made.

Claims (6)

In a system for executing a financial transaction consisting of a customer terminal 20, a financial institution server 30, a credit information company server 40, a main server 10 and a network 90 connecting them, The main server 10 compares the personal information data entered by the customer through the customer terminal 20 with the data stored in the member information database D10 to determine whether the member is authenticated by the member management unit 110. And loan application management unit 120 for storing and managing loan related data to be loaned by the customer in the loan application database D20; and condition data related to the credit transmitted from the financial institution server 30. Credit condition management unit 130 to store and manage in the database (D30); Call the loan application data entered by the customer stored in the loan application database (D20) and the credit of the financial institution stored in the credit information database (D30) Matching management unit 140 for matching the condition data related to calculate the loan product; And a payment management unit (150) configured to settle a loan requested by the customer according to the matching result of the matching management unit (140). In the method of executing a financial transaction using a system consisting of the main server 10, the customer terminal 20, the financial institution server 30, the credit information company server 40 and the network 90, A member authentication step of reading whether or not to authenticate the member according to the customer information input by the customer connected to the main server 10 through the customer terminal 20; A loan application step of inputting loan application data necessary for a loan through the customer terminal 20 by a member authenticated in the member authentication step; The matching operation unit 140 calls the loan application data input by the customer stored in the loan application database D20, and the financial institution stored in the credit information database D30 matches the condition data related to the loan, thereby providing loan products. Loan / credit condition matching step of calculating; A loan product selection step of displaying the loan product calculated in the loan / credit condition matching step on the customer terminal 20 and the member selecting the loan product; A loan application preparation step of preparing a loan application through the customer terminal 20 according to the loan product selected in the loan product selection step; A loan approval step of transmitting the loan application form to the financial institution server 30 corresponding to the loan product, and receiving data that the loan is approved by the financial institution server 30; And And a payment step of paying the loan amount according to the loan product by the payment management unit (150). The method of claim 2, wherein in the member authentication step, the mobile number is transmitted from the personal information input by the customer to the communication service provider server 30 to request the wireless transmission of the approval number, and from the corresponding customer terminal 20, Optimal conditions using the network, characterized in that further comprising; a user authentication step of authenticating the identity through whether or not matching the approval number transmitted from the communication operator server 30 by receiving the transmitted approval number; How to make a loan. According to claim 2, The loan application data input through the customer terminal 20 in the loan application step is the name, occupation, resident registration number, sex, address, hope loans, desired interest rate, hope repayment period, desired division of the customer A method of making loans under optimal conditions using a network comprising a condition and loan application. The method of claim 2, wherein the personal information input by the member is transmitted to the credit information company server 40, and the corresponding credit information is received from the credit information company server 40 to the matching operation unit 140. Transmitting; Loan under the optimum conditions using a network characterized in that it further comprises. According to claim 2, The loan / credit condition matching step; Setting matching conditions in the matching operation unit 140; and storing credit condition data according to the loan product transmitted from the financial institution server 30 in the credit information database D30; and the matching operation unit ( Calling the loan application data input by the customer stored in the loan application database D20; and calling condition data related to the credit of the financial institution stored in the credit information database D30; and Calculating matching based on the called data according to the set matching condition; if there is a match result, outputting a matching result, and if there is no matching result, calculating a second match according to a preset second matching condition. Steps to loan on the optimum conditions using a network comprising a.