KR20040076152A - On-line loaning relay system using image communication and method thereof, and media that can record computer program sources for method thereof - Google Patents

Abstract

The present invention relates to an online loan brokerage system using video communication, a method, and a recording medium storing a computer program source thereof, wherein a customer wants to obtain a loan using a personal computer (PC) capable of a video call. After accessing the server of the financial institution, the basic data necessary for the loan, the supporting data required by the financial institution, and the authentication data required for the authentication are transmitted, and the financial institution conducts a loan consultation with the financial customer through an image. By checking the fingerprint and the fingerprint of the resident registration card to verify the identity of the customer in real time to check the credit information can be effected so that the loan can be made quickly.

Online loan intermediation method using the image communication according to the present invention for this purpose, the customer inputs the loan-related data necessary for the loan and identity authentication data required for the personal authentication to the personal computer (PC) in order to receive a loan from the financial institution through the communication network A loan application step of applying for a video interview; The customer generates personal identification data and customer information data on the basis of loan-related data and personal authentication data inputted by the personal computer (PC), and credit evaluation for credit evaluation and credit history evaluation for the customer. A loan intermediation step of generating data and transmitting the data to a financial institution server, wherein the customer mediates a video interview so that the customer is interviewed with a loan officer of the financial institution through the personal computer (PC); And a loan examination step of evaluating the loan based on the identification data, the customer information data, and the credit evaluation data transmitted to the financial institution server, determining the loan approval through the video interview with the customer, and then granting the loan to the account of the customer. Characterized in that it comprises a.

Description

ON-LINE LOANING RELAY SYSTEM USING IMAGE COMMUNICATION AND METHOD THEREOF, AND MEDIA THAT CAN RECORD COMPUTER PROGRAM SOURCES FOR METHOD THEREOF}

The present invention relates to an online loan brokerage system using video communication, and a method and a recording medium storing a computer program source for the method. Particularly, the present invention relates to a financial institution using a personal computer (PC) capable of making a video call. When applying for a financial institution, the financial institution conducts a loan consultation through the video with the client and inquires the identity and credit information of the financial client in real time, and approves the loan so that the client can receive the loan quickly through the Internet network or a public communication network. The present invention relates to an online loan brokerage system using video communication, and a method and a recording medium storing a computer program source for the method.

In general, a customer may apply for a loan to a financial institution by visiting a financial institution directly, applying for a loan, applying for a loan through the Internet, and applying through a loan application.

Among the methods of applying for a loan by visiting a financial institution directly, the customer must bring the necessary documents for the loan, visit the bank to receive the loan, and then submit the required documents for the loan through the loan counter. You will apply. At this time, the bank reviews the documents submitted by the customer, examines the loan eligibility, and if it is determined that the loan is eligible, the loan is made to the customer.

In addition, in the method of applying for a loan through the Internet, a customer applies for a loan by connecting to a web server of a bank which wants to obtain a loan through the Internet and then inputting necessary data for the loan. After receiving the loan approval from the bank, the customer must visit the bank in person and submit the documents necessary for the loan. In addition, the bank will loan the customer after reviewing the received documents.

In addition, the method of applying for a loan through the image loan application machine is that the customer inputs the data and authentication data necessary for the loan in the image loan application device installed at each financial institution or public place, and then sends the data to the relevant bank to obtain the loan. It is a way to transfer and receive loans through video interviews with bank lenders.

A method of receiving an image loan using a conventional image loan application machine will be described with reference to FIG. 1. 1 is an explanatory diagram illustrating an image loan processing process of an online loan brokerage system using video communication according to the related art.

Referring to Figure 1, the customer (1) who wants to apply for a loan is a loan-related data necessary for the loan in the image loan application device (2) installed in each financial institution or public place and identity verification required for the authentication of the person Enter the data. Then, the customer 1 requests an image interview with the financial institution 3 to obtain a loan through the image loan application machine 2. The financial institution 3 inquires the credit rating information institution 4 credit information of the customer (1). In addition, the user 1 receives the fingerprint of the resident registration card and the biometric fingerprint of the customer from among the personal identification data inputted by the customer to determine whether the identity is checked. At this time, if it is determined that the credit of the customer is good as a result of the credit inquiry, and the customer 1 is confirmed to be the person, a video interview is conducted with the loan officer of the financial institution 3. The screen interview is performed through the voice and the screen between the customer 1 and the loan officer using a web camera, a speaker, a microphone, and the like. As such, when the loan approval is determined through the video interview with the customer 1, the financial institution 3 confirms whether the customer 1 agrees to the loan condition, and deposits the loan with the bank account designated by the customer 1. Done.

However, the conventional loan application method as described above has the following problems.

First of all, the method of applying for a loan by visiting a financial institution in person is a hassle that the client has to visit the financial institution in person, and also the psychological burden in the process of reviewing the loan for approval. there was. In addition, since the loan is made only after a considerable period of time even after receiving the loan approval from the bank, there was a great difficulty and inconvenience for customers who urgently need funds.

In addition, the method of applying for a loan by using the Internet of the customer has a double difficulty since the first application for the loan is made through the Internet, and the required documents are submitted directly to the bank.

To this end, there is a loan method using a cash service that can easily receive a loan in real time using a credit card, but the amount of cash service is limited to a small amount, the loan period is short term, and the interest rate is high. It was inconvenient to use.

In addition, the conventional method of applying for a loan through an image loan application machine has the advantage that loan counseling is possible with a loan counselor of the bank at a long distance, but since video communication is performed by a streaming method, There was a problem that the screen is frequently cut off during the video interview because the transmission speed is very low, and the connection rate is very low due to the overload of the server. In addition, there is a problem that the video communication is inconvenient when the customer has to make a reservation for an interview time by telephone after receiving documents from the bank. In addition, there was a problem that the video interview time is long because the loan examiner of the financial institution prepares the personal data and the credit rating data separately during the video interview. There was a problem that loans were not possible outside of the bank's working hours because a series of loans were possible only during the bank's working hours.

The present invention has been made to solve the above problems, the customer is connected to the server of the financial institution that wants to obtain a loan using a personal computer (PC) capable of video calls and the evidence required by the financial institution When the data and the authentication data required for authentication are transmitted, the financial institution consults with the financial customer through an image, checks the identity by comparing the biometric fingerprint of the customer and the fingerprint of the resident registration card, and checks the credit information of the customer in real time. The purpose of the present invention is to provide an on-line loan brokerage system using video communication, and a method and a recording medium storing a computer program source for the method, so that loans can be made quickly according to the degree of credit.

In addition, another object of the present invention is to use a personal computer (PC) capable of video calls, without the use of video dedicated equipment installed in each financial institution or public place, anytime, anywhere, via the Internet or public communication network The present invention provides an on-line loan brokerage system using video communication that can be easily loaned, and a method and a recording medium storing a computer program source thereof.

In addition, another object of the present invention is to take a video call nationwide PC room affiliated stores when a customer applies for a video loan from a remote location automatically packaged personal loan information through credit rating and identity verification and then each financial By presenting to the institution and asking the customer whether the loan is to be made in reverse auction format, whereby the customer can select the optimal condition and use the online lending brokerage system using video communication and the method and method thereof. The present invention provides a recording medium storing a computer program source.

Still another object of the present invention is to enable a multi-point (multi-point) by adopting a peer-to-peer (P2P) method as a video communication method when a customer makes a video call with a financial institution through an internet network or a public communication network. An online loan brokerage system using video communication, and a method and a computer program source for the method, in which the loan inspector of the institution and the customer can receive the loan promptly due to no delay in the signal interview. To provide the medium.

It is still another object of the present invention to open a virtual account with a first financial institution when a customer receives a loan from a financial institution through a video call through an internet network or a public telecommunication network. The present invention provides an online loan brokerage system using video communication that can be prevented from being leaked for a purpose, and a method and a recording medium storing a computer program source thereof.

It is still another object of the present invention to provide an online loan brokerage system using video communication which can be loaned at any time in addition to a bank's working hours, and a method and a recording medium storing a computer program source thereof.

1 is an explanatory diagram for explaining an image loan processing process of an online loan brokerage system using video communication according to the prior art;

2 is an explanatory diagram for briefly explaining an image loan processing process of an online loan brokerage system using video communication according to the present invention;

3 is a block diagram showing the configuration of a personal computer (PC) shown in FIG.

Figure 4 is a block diagram showing the overall connection structure of the online loan brokerage system using video communication according to the present invention

5 is a configuration diagram showing the configuration of the data server center shown in FIGS. 2 and 4

6 is a flowchart illustrating an online loan brokering method using video communication according to the present invention.

<Explanation of symbols for the main parts of the drawings>

10: customer 20: personal computer (PC)

21: PC main body 22: Monitor

23: Web Camera 24: Scanner

25: bio fingerprint reader 26: keyboard and mouse

27: Headset 28: Printer

30: data center server 40: financial institution server

50: credit bureau server

60: customer existing bank account and virtual account 70: first financial company

130: program server 131: Web access server

132: load balance server 133: dedicated image server

134: dedicated banking server 135: dedicated merchant server

136: virtual account server 137: credit rating server

140: database server

141: ERP database

142: Member / Merchant Database

143: financial institution database

144: virtual account database

Online loan intermediation method using video communication according to the present invention for achieving the above object,

A loan application step in which a customer inputs loan-related data necessary for a loan and personal identification data necessary for identification in order to receive a loan from a financial institution through a communication network, and applies for a video interview;

Based on the loan-related data and personal authentication data entered by the customer on the personal computer (PC), the self-identification data and the customer information data are generated for the customer, and the credit rating for the credit rating and credit history evaluation for the customer A loan intermediation step of generating data and transmitting the data to a financial institution server, wherein the customer mediates a video interview so that the customer is interviewed with a loan officer of the financial institution through the personal computer (PC); And

A loan screening step of evaluating loan status based on identity verification data, customer information data and credit evaluation data sent to the financial institution server, determining loan approval through video interview with the customer, and then granting the loan to the customer's account. It is characterized by including.

The personal computer (PC) includes a PC main body unit for processing data; A monitor connected to the PC main unit and displaying an input and output of images and data; A web camera which photographs the face of the customer and transmits the captured screen to the PC main body; A scanner for inputting the resident registration card or related documents necessary for the loan of the customer; A biometric fingerprint reader for inputting the biometric fingerprint of the customer; A keyboard and mouse for entering data; Headset for voice call; And it characterized in that it comprises a printer for printing the material.

The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen, so that the customer can select a financial institution that presents the most favorable loan condition.

In the video interview, the video communication method is characterized by using a peer-to-peer (P2P) method.

Online loan intermediation method using another video communication according to the present invention for achieving the above object,

Inputting personal information by accessing a data center server for brokering online loans through a video communication with a customer in charge of a financial institution using a personal computer;

Asking whether the customer agrees to use the personal information inputted by the customer to the affiliated financial institution or the credit rating agency and use it as a material for judging his or her credit;

Inputting, by the customer, authentication verification data for verifying identity verification;

Confirming whether or not the customer is identified based on the authentication confirmation data;

If the identity of the customer is confirmed, inquiring about the credit of the customer by using the data input by the customer;

If the credit for the customer is good, inputting basic information about the customer and scanning the loan application document;

Evaluating credit for the customer based on the basic information and loan application input by the customer and transmitting the credit to the financial institution; And

And determining, by the financial institution, the loan through the video interview with the customer through the communication network after determining whether the loan is possible to the customer.

Method for confirming whether the customer of the customer, comprising the step of inputting the resident registration card of the customer by consent to the customer; And comparing the photograph of the customer's resident registration card with the photograph of the client photographed by the web camera to confirm whether the client is the person.

The method for confirming whether the customer is identity includes: inputting a mobile phone number of the customer; And checking the customer's identity by querying the mobile phone number of the customer to the mobile communication company to which the customer has subscribed.

The method for confirming whether the customer is identity includes the steps of the customer inputting his or her fingerprint through a biometric fingerprint reader; And comparing the fingerprint of the resident registration card of the customer with the biometric fingerprint of the customer.

The method for confirming whether the customer is the identity of the customer entering a credit card company and card number of the credit card; And transmitting the card company and the card number of the credit card input by the customer to the credit card company to confirm whether the customer is the person.

The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen, so that the customer can select a financial institution that presents the most favorable loan condition.

In the video interview, the video communication method is characterized by using a peer-to-peer (P2P) method.

Confirming whether the loan is agreed to the customer when the loan is determined; If the customer agrees to the loan condition, printing the agreement indicating the loan condition through a printer and having the customer write and sign the printed agreement by hand; Scanning and entering an agreement written by the customer directly; And after notifying the loan approval to the customer's mobile phone, characterized in that it further comprises the step of depositing the loan to the account specified by the customer.

The method may further include photographing and storing a scene in which the customer describes an agreement with a web camera.

When the loan is deposited, the virtual account of the customer may be opened together with the first financial sector to prevent the loan of financial assets of the financial customer for other purposes.

Online loan brokerage system using video communication according to the present invention for achieving the above object,

A loan application unit that allows a customer to make a video call by inputting loan-related data required for loan and identity verification data necessary for identity verification in order to receive a loan from a financial institution through a communication network;

On the basis of the loan-related data and identity authentication data entered by the customer through the loan application unit, the customer identification data and customer information data are generated for the customer, and the credit evaluation data for credit evaluation and credit history evaluation for the customer A loan intermediation unit which generates and transmits the loan interview unit to the loan review unit so that the customer may be interviewed with the loan officer of the loan review unit through the loan application unit; And

It includes a loan screening unit for evaluating loan status based on identity verification data, customer information data and credit evaluation data transmitted from the loan brokerage department and determining loan approval through video interview with the customer and then granting the loan to the customer's account. Characterized in that.

The loan application unit includes a PC main body that processes data; A monitor connected to the PC main unit and displaying an input and output of images and data; A web camera which photographs the face of the customer and transmits the captured screen to the PC main body; A scanner for inputting the resident registration card or related documents necessary for the loan of the customer; A biometric fingerprint reader for inputting the biometric fingerprint of the customer; A keyboard and mouse for entering data; Headset for voice call; And a personal computer (PC) including a printer for printing data.

The loan brokering unit is connected to the personal computer through a communication network, the web access server for receiving the loan-related data and identity authentication data sent by the customer; A load balance server connected between the web access server and an image dedicated server and configured to determine and control the load of each server; A dedicated video server connected to the load balance server, a dedicated server for a financial institution, and a financial institution server, and allowing a customer and a loan officer of the financial institution to make a video call in a peer-to-peer manner; The data received from the web access server, the credit rating server, and the video dedicated server are prepared in an electronic file and transmitted to the financial institution server, and a video interview is reserved for the loan application received outside the business hours of the financial institution. Dedicated server dedicated to organizing data of all the measures taken by the bank; Connected to the web access server, the server dedicated to the financial institution, and the affiliated PC, and displays the data received from the web access server and the data received from the server dedicated to the financial institution on the web in real time, for the transaction of the customer and the merchant; Merchant store dedicated server to check the customer information, including fee loan status and loan repayment; A virtual account server connected to the dedicated financial institution server and the web access server, generating a virtual bank account negotiated with the first financial institution of the customer at the request of the customer, and depositing a loan fund; It is connected to the web access server, the financial institution dedicated server and the credit rating agency server, and transmits the personal information received from the web access server to the credit rating agency server to query the credit and financial information for the customer to obtain personal credit. A credit rating server for quantifying a rating score; And a data center server connected to each of the servers and including a database server for storing and managing various data.

The database server includes an enterprise resource management (ERP) database whose main function is management of its own business, including its input / output data, accounting, financial personnel, general management, and business-specific management; A member / merchant database that manages the data of the customer and the merchant and utilizes the data for future resources and re-loan; A financial institution database that stores and manages information, including the status of each financial institution, loan criteria, credit standards, loan records, and loan expiration records; And the virtual account database that allows the virtual account of the customer to be utilized in real financial transactions as an account generated on the cyber and stores information on deposits, withdrawals, interests, and repayments.

The identity verification method for the customer in the web access server is to check the identity by comparing the picture of the customer's ID card and the image data of the customer, and comparing the fingerprint of the customer ID card and the biometric fingerprint of the customer. It features.

The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen, so that the customer can select a financial institution that presents the most favorable loan condition.

In the video interview, the video communication method is characterized by using a peer-to-peer (P2P) method.

In order to achieve the above object, a recording medium storing a computer program source for an online loan brokering method using video communication according to the present invention,

A loan application step in which a customer inputs loan-related data necessary for a loan and personal identification data necessary for identification in order to receive a loan from a financial institution through a communication network, and applies for a video interview;

The customer generates personal identification data and customer information data on the basis of loan-related data and personal authentication data inputted by the personal computer (PC), and credit evaluation for credit evaluation and credit history evaluation for the customer. A loan intermediation step of generating data and transmitting the data to a financial institution server, wherein the customer mediates a video interview so that the customer is interviewed with a loan officer of the financial institution through the personal computer (PC); And

A loan screening step of evaluating loan status based on identity verification data, customer information data and credit evaluation data sent to the financial institution server, determining loan approval through video interview with the customer, and then granting the loan to the customer's account. It is characterized by including.

The personal computer (PC) includes a PC main body unit for processing data; A monitor connected to the PC main unit and displaying an input and output of images and data; A web camera which photographs the face of the customer and transmits the captured screen to the PC main body; A scanner for inputting the resident registration card or related documents necessary for the loan of the customer; A biometric fingerprint reader for inputting the biometric fingerprint of the customer; A keyboard and mouse for entering data; Headset for voice call; And it characterized in that it comprises a printer for printing the material.

The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen, so that the customer can select a financial institution that presents the most favorable loan condition.

In the video interview, the video communication method is characterized by using a peer-to-peer (P2P) method.

In order to achieve the above object, a recording medium storing a computer program source for an online loan brokering method using another video communication according to the present invention,

Inputting personal information by accessing a data center server for brokering online loans through a video communication with a customer in charge of a financial institution using a personal computer;

Asking whether the customer agrees to use the personal information inputted by the customer to the affiliated financial institution or the credit rating agency and use it as a material for judging his or her credit;

Inputting, by the customer, authentication verification data for verifying identity verification;

Confirming whether or not the customer is identified based on the authentication confirmation data;

If the identity of the customer is confirmed, inquiring about the credit of the customer by using the data input by the customer;

If the credit for the customer is good, inputting basic information about the customer and scanning the loan application document;

Evaluating credit for the customer based on the basic information and loan application input by the customer and transmitting the credit to the financial institution; And

And determining, by the financial institution, the loan through the video interview with the customer through the communication network after determining whether the loan is possible to the customer.

Method for confirming whether the customer of the customer, comprising the step of inputting the resident registration card of the customer by consent to the customer; And comparing the photograph of the customer's resident registration card with the photograph of the client photographed by the web camera to confirm whether the client is the person.

The method for confirming whether the customer is identity includes: inputting a mobile phone number of the customer; And checking the customer's identity by querying the mobile phone number of the customer to the mobile communication company to which the customer has subscribed.

The method for confirming whether the customer is identity includes the steps of the customer inputting his or her fingerprint through a biometric fingerprint reader; And comparing the fingerprint of the resident registration card of the customer with the biometric fingerprint of the customer.

The method for confirming whether the customer is the identity of the customer entering a credit card company and card number of the credit card; And transmitting the card company and the card number of the credit card input by the customer to the credit card company to confirm whether the customer is the person.

The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen, so that the customer can select a financial institution that presents the most favorable loan condition.

In the video interview, the video communication method is characterized by using a peer-to-peer (P2P) method.

Confirming whether the loan is agreed to the customer when the loan is determined; If the customer agrees to the loan condition, printing the agreement indicating the loan condition through a printer and having the customer write and sign the printed agreement by hand; Scanning and entering an agreement written by the customer directly; And after notifying the loan approval to the customer's mobile phone, characterized in that it further comprises the step of depositing the loan to the account specified by the customer.

The method may further include photographing and storing a scene in which the customer describes an agreement with a web camera.

When the loan is deposited, the virtual account of the customer may be opened together with the first financial sector to prevent the loan of financial assets of the financial customer for other purposes.

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

2 is an explanatory diagram for briefly explaining an image loan processing process of an online loan brokerage system using video communication according to the present invention.

Referring to Figure 2, the online loan brokerage system using the video communication of the present invention comprises a loan application unit (A), loan brokerage unit (B) and loan examination unit (C).

First, the loan application unit (A) is a place where the customer 10 inputs the loan-related data necessary for the loan and the identity authentication data necessary for the identity verification using a personal computer (PC) and also makes a video call. To this end, the loan application unit A may use a personal computer (PC) 20 provided in a PC room, a home, a company, or the like, which is capable of video call and biometric fingerprint input.

At this time, the personal computer (PC) 20 is connected to the data center server 30 of the loan brokering unit (B) as shown in Figure 3, the PC main body 21 for processing data and communication network And a monitor 22 connected to the PC main body 21 to display input and output of images and data, and photographing the face of the customer 10 and transmitting the captured screen to the PC main body 21. A web camera 23, a scanner 24 for inputting a resident registration card or related documents necessary for loaning the customer 10, a biometric fingerprint reader 25 for inputting a biometric fingerprint of the customer 10, and data A keyboard and mouse 26 for input, a headset 27 for voice communication, and a printer 28 for printing data are included.

The loan application unit (A) is a member of the PC (PC) nationwide as a merchant, using the image equipment that the PC room possesses the customer (10) can apply for a loan to a financial institution through the Internet or public communication network from a remote location have.

The loan intermediation unit (B) generates a personal identification data and customer information data for the customer 10 on the basis of the loan-related data and identity authentication data entered by the customer 10 through the personal computer 20 and In addition, the credit evaluation data of the credit history and credit history evaluation for the customer 10 is generated and transmitted to the loan review unit (C). In addition, the loan intermediary (B) serves to mediate the video interview so that the customer 10 can be interviewed with the loan officer of the loan review unit (C). To this end, the loan intermediary (B) is provided with a data center server 30 as shown in FIG. Here, the data center server 30 will be described in detail with reference to FIG. 5.

Then, the loan examination unit (C) receives the identity verification data and customer information data and credit evaluation data transmitted from the loan brokerage unit (B) to evaluate the loan status, the loan approval after the interview with the customer (10) Determine and transmit the result to the loan broker (B), and serves to deposit the loan amount to the existing bank account or virtual account of the customer (10). The loan examination unit C performing this role corresponds to the financial institution server 40.

4 is a block diagram illustrating the overall connection structure of an online loan brokerage system using video communication according to the present invention.

As shown in FIG. 4, a customer who wants to loan first uses a PC 20a to 20c in a PC room, a PC 20d in a home, or a PC 20e in a company, through a data center through an Internet network or a public communication network. After accessing the server 30, the loan-related data necessary for the loan and the user authentication data necessary for the identity authentication are input. At this time, the personal computer (PC), as shown in Figure 3, the web camera 23 for the video call, the scanner 24 for inputting the loan-related documents and the biometric fingerprint reader 25 for inputting the biometric fingerprint It is configured to include.

The data center server 30 generates the identification data and customer information data for the customer 10 on the basis of the loan-related data and identity authentication data entered by the customer 10, credit rating agency server 50 After querying the credit evaluation and financial history evaluation for the customer 10 generates a financial evaluation data and sends it to the financial institution server 40 to request a loan. In addition, the data center server 30 requests the customer 10 the video interview with the financial institution server 40 so that the interview with the loan officer of the financial institution can be made.

The financial institution server 40 receives the identification data, the customer information data and the credit evaluation data transmitted from the data center server 30 to evaluate the loan status and determine the loan approval after the interview with the customer 10 And transmits the result to the data center server 30. At this time, the loan officer of the financial institution receives the identity verification data, the customer information data and the credit rating data through the financial institution server 40 as an electronic file, and after the video interview to determine the loan, the existing bank account of the customer Or by depositing in the virtual account 60 to end the loan cycle within a short time.

The online loan brokerage system using the video communication according to the present invention is an electronic file of the customer's financial loan application materials received outside the business hours of the financial institution sent to the financial institution after the video interview with a loan officer at a convenient time Schedule a video interview so you can do it. Therefore, since the online loan brokerage system using the image communication according to the present invention is operated 24 hours, it is possible to apply for a loan in addition to the business hours of the financial sector.

5 is a configuration diagram showing the configuration of the data center server 30 shown in FIGS. 2 and 4.

As shown in FIG. 5, the data center server 30 includes a program server 130 and a database server 140.

The program server 130 may include a web access server 131, a load balance server 132, an image dedicated server 133, a financial institution dedicated server 134, an affiliated store dedicated server 135, and a virtual account server 136. ) And a credit rating server 137 and the like.

The web access server 131 receives the loan-related data and identity authentication data sent by the customer 10 through the loan application unit (A of FIG. 2). Based on this, the web access server 131 compares the photograph of the resident registration card of the customer 10 with the image data of the customer 10, and prints the fingerprint of the resident registration card of the customer 10 and the living body of the customer 10. Compare your fingerprints to verify your identity. The web access server 131 transmits personal data of the customer 10 to the credit evaluation server 137, and receives financial evaluation data of the customer 10 from the credit evaluation server 137. After encrypting with a private key encryption algorithm using "COM + method" and transmits to the dedicated financial server 134.

In addition, the web access server 131 performs the work related to the management of personal information and information processing of merchants, processing of data entered by the customer, processing information contracts with customers, processing loan results, and processing financial service contracts between financial companies and customers .

The load balance server 132 is connected between the web access server 131 and the image dedicated server 133, and determines and controls the load of each server. That is, the load balance server 132 manages the traffic of the server.

The dedicated image server 133 is a server that converts the existing streaming video communication method into a peer to peer (P2P) method. Thereby, by optimizing the traffic of the network of the loan application of the customer which arises at the same time, it is in charge of the function of appropriately adjusting the load of the lender of the financial institution and the network of the video communication and the related server.

In this case, the P2P scheme functions to directly connect a customer's PC and a loan officer's PC on a network without passing through a server for video communication. As a result, since the capacity of the server for video communication can be minimized, it is possible to proactively cope without delay of a signal when a loan application is generated at the same time.

The financial institution dedicated server 134 is loan application data, financial evaluation data and image data of the customer 10 received from the web access server 131, the credit rating server 137 and the dedicated image server 133 To create an electronic file and transmit it to the financial institution server (40). In addition, the financial institution dedicated server 134 and the function to reserve the data (file) related to the loan application connected outside the business hours of the financial institution. It is responsible for organizing data on all the results taken by financial institutions.

The merchant dedicated server 135 displays the customer data received from the web access server 131 and the data received from the financial institution dedicated server 134 on the web in real time for the customer 10 and the affiliated store (PC room). PC, home PC and company PC) It checks customer information such as transaction, fee loan status and loan repayment.

The virtual account server 136 is responsible for generating a virtual bank account negotiated with the first financial sector of the customer 10 and deposits loan funds when the customer 10 requests. At this time, the virtual account of the customer 10 is managed by the database server 140.

The credit rating server 137 transmits the personal identification data received from the web access server 131 to the credit rating agency server 50 to provide credit checks, loan status, guarantee status, credit count number of individuals and corporations, Personal credit evaluation scores are quantified by searching and analyzing bad transaction details, delinquent details, mobile phone identification, credit card identification and details.

The database server 140 includes an enterprise resource planning (ERP) database 141, a member / merchant database 142, a financial institution database 143, a virtual account database 144, and the like. do.

The enterprise resource management (ERP) database 141 has its own business management such as its input / output data, accounting, financial personnel, general management, and business-specific management.

The member / merchant database 142 serves as a main function of managing data of financial customers and merchants and utilizing data in future resources and re-lending.

The financial institution database 143 is responsible for recording and managing the current status of each financial institution, loan criteria, credit standards, loan records, loan maturity records, and the like.

The virtual account database 144 allows a virtual account of a financial customer to be utilized in real financial transactions as an account generated on a cyber basis and has information on deposit and withdrawal, interest and repayment.

The operation of the data center server 30 having the above configuration will be described with reference to FIGS. 2 to 4.

The file including the loan-related data and the personal authentication data transmitted from the loan application unit (A of FIG. 2) is received by the web access server 131 of the data center server 30. At this time, the web access server 131 checks the identity of the user by comparing the photo of the resident registration card of the customer 10 with the image data of the customer 10, and also compares the fingerprint and the biometric fingerprint of the resident registration card Check. Then, the web access server 131 transmits the data related to the image of the customer 10 to the credit rating server 137 to query the credit information for the customer. The credit rating server 137 sends the data related to the personal information of the customer received from the web access server 131 to the credit rating agency server 50 to look up the credit information of the customer 10 and the result is displayed on the web. Transfer to the access server 131. Here, the credit inquiry for the customer 10 includes various credit information, mobile phone identity verification, credit card authentication, and the like.

The web access server 131 generates financial valuation data (files) based on data related to the customer's credit information received from the credit valuation server 137. At this time, the financial valuation data is electronically filed by a private key encryption algorithm using a "COM + method" for personal information security and transmitted to the financial institution dedicated server 134.

The financial institution dedicated server 134 connects with the financial institution server 40 and arranges for the loan officer of the financial institution and the customer 10 to conduct an image interview through a PC. At this time, the video communication method at the time of image interview uses a P2P method.

The load balance server 132 enables video communication in a P2P manner so that a large number of people can make a video call at once. When a loan is determined, a financial institution may request an existing bank of the customer 10 at the request of the customer 10. Deposit the loan into your account or with a virtual escrow account negotiated with the first financial sector. Therefore, the customer 10 can freely withdraw and transfer money using the ATM, CD device, etc. of the first financial sector. At this time, the purpose of opening a virtual account is to prevent the amount of money loaned to the customer is automatically withdrawn to other financial institutions, administrative institutions or public institutions. The web access server 131 sends and stores the necessary data in the series of processes to the database server 140, and also sends necessary data to the PC of the customer 10 or the PCs 20a to 20c of the affiliated store. Allow the customer 10 to check the payment status online.

6 is a flowchart illustrating an online loan brokering process using video communication according to the present invention, which will be described with reference to FIGS. 2 to 5.

First, the customer 10 who wants to borrow the data center server 30 through an internet network or a public communication network using a PC 20a to 20c in a PC room, a home PC 20d, or a PC 20e in a company. ) And enter personal information including name and resident registration number (step S100). At this time, the personal computer (PC) used by the customer 10, as shown in Figure 2, the web camera 23 for the video call, the scanner 24 for inputting the loan-related documents and the biometric fingerprint It comprises a bio fingerprint reader 25 to input.

Then, the customer information provided by the customer 10 is provided to the partner financial institution or credit rating agency and used as a data for judging one's own credit, or whether the public institution agrees to use it as policy data ( Step S101). If the customer 10 does not agree, the customer 10 is notified and the program is terminated.

Then, if the customer 10 agrees, the customer 10 to enter the resident registration card. At this time, the customer 10 scans the photo and fingerprint of the resident registration card using the scanner 24 and transmits the generated data file to the data center server 30. The customer 10 transmits his image data photographed through the web camera 23 to the data center server 30. As a result, the user's identity is checked by comparing the photograph of the resident registration card of the customer 10 with the image data of the customer 10 taken by the web camera 23 (step S102).

The customer 10 then enters a mobile phone number using the keyboard and mouse 26 for identity verification. As a result, the data center server 30 checks the identity of the customer 10 by checking the identity of the customer 10 to the mobile communication company to which the customer 10 subscribes (step S103).

Then, the customer 10 enters his biometric fingerprint on the biometric fingerprint reader 25 for identity verification. As a result, the data center server 30 compares the fingerprint of the resident registration card of the customer 10 with the biometric fingerprint of the customer 10 to confirm whether the user is present (step S104).

The customer 10 then enters the card company and card number of the credit card using the keyboard and mouse 26 for credit verification. As a result, the data center server 30 transmits the credit card company and the card number of the credit card input by the customer 10 to the credit rating agency server 50 to check whether the user is present (step S105).

Next, the steps S102 to S105 determine whether the customer 10 is the person (step S106). If it is determined that the customer 10 is not himself, the client 10 is notified of this and the program ends.

Then, if the customer 10 is the person, the data center server 30 transmits the card company and card number of the credit card entered by the customer 10 to the credit rating agency server 50 to the customer. The credit for (10) is inquired (step S107).

Then, it is determined whether the customer 10 is a credit bad person (step S108). If the customer is a bad credit person, the customer 10 is notified and the program ends.

Then, if the credit of the customer 10 is good, a basic information input screen is displayed on the PC monitor 22 of the customer 10, whereby the customer 10 uses the keyboard and mouse 26. Input the necessary basic data by using (step S109).

Then, the customer 10 inputs the loan application document necessary for the loan to the scanner 24 (step S110).

Then, the data center server 30 transmits the credit rating data for the customer 10 to the financial institution server 40 (steps S111 to S112).

Next, the financial institution server 40 receives the identification data, the customer information data and the credit evaluation data of the customer 10 through the data center server 30 and whether the loan is possible for the customer 10. (Step S113). If the loan is impossible, the client 10 is notified of this and the program ends.

Then, if it is determined that the loan is possible to the customer 10, the loan officer of the financial institution is subjected to an image interview with the customer 10 via the PC (step S114).

At this time, the image interview is performed through the voice and the screen between the customer 10 and the loan officer of the financial institution using the web camera 23 and the headset 27. In addition, the video interview is connected to a plurality of financial institution servers to simultaneously conduct a video interview, so that the customer 10 can select a financial institution that presents the most favorable loan condition.

Then, when the credit is determined that the loan is made to the customer 10 (step S115), it is checked whether the loan condition is agreed (step S116). If the customer 10 does not agree, the customer 10 is notified and the program ends.

Then, if the customer 10 agrees to the loan condition, the agreement written with the loan condition is printed through the printer (step S117). At this time, the printed agreement is written and signed by the customer 10 by hand, and the scene where the customer 10 writes the agreement is photographed and stored by the web camera (step S118).

Then, the customer 10 directly scans the agreement written by the customer to the scanner 24 and transmits it to the data center server 30 (step S119). At this time, the agreement transmitted to the data center server 30 is transmitted to the financial institution server 40.

Next, the financial institution notifies the loan approval to the mobile phone of the customer 10 (step S120), and then deposits the loan to the account designated by the customer 10 (step S121).

Online loan intermediation system using video communication and the method according to the present invention, and a recording medium storing a computer program source for the method, the financial customer who wants to receive financial services is the most convenient customer to use the merchant (PC) In the home or company with video communication facilities, you can freely apply for a loan, and the financial customers who have a loan history using this system can re-loan by sending their own images to a mobile phone equipped with a web camera. The application is made quickly.

In addition, in order to determine the authenticity of the written agreement between the financial institution and the financial client, the web camera records and archives the autographed signature of the financial client and stores the contents of the conversation between the loan examiner and the financial client. When a financial client receives a refinancing, the above data is provided to the financial institution and used as a data for the loan examination.

In addition, preferred embodiments of the present invention are disclosed for the purpose of illustration, those skilled in the art will be possible to various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications and changes should be seen as belonging to the following claims. something to do.

As described above, the on-line loan brokerage system using the image communication according to the present invention, and a method and a recording medium storing a computer program source for the method, the customer through a personal computer (PC) with a bank loan officer Loan counseling can be done through video interviews, customer credit information can be searched through the network, biometric fingerprints and fingerprints can be checked quickly to verify their identity, and customers can compare loan conditions of multiple financial institutions. There is an effect that the loan is made quickly in the most favorable condition. In other words, convenience is increased by quick loan at a time through a personal computer, and the fingerprint recognition scene and the written description of the agreement are recorded and stored, thereby preventing the customer from denying the contents of the agreement later. do.

In addition, an online loan brokerage system using video communication according to the present invention and a recording medium storing a computer program source for the method and method thereof, the customer wants to obtain a loan using a personal computer (PC) that allows video calls After accessing the server of the financial institution, the basic data necessary for the loan, the supporting data required by the financial institution, and the authentication data required for the authentication are transmitted, and the financial institution conducts a loan consultation with the financial customer through an image. By checking the fingerprint and the fingerprint of the resident registration card to verify the identity of the customer in real time, the loan is quickly effected according to the degree of credit.

In addition, the on-line loan brokerage system using the image communication according to the present invention, and a method and a recording medium storing a computer program source for the method, do not use an image dedicated device installed in each financial institution or public place, Using a personal computer (PC) capable of a video call has the effect that customers can conveniently borrow anytime, anywhere through the Internet or public communication networks.

In addition, the on-line loan brokerage system using the video communication according to the present invention and a recording medium storing the computer program source for the method and method thereof, the customer loans from a remote location by using a PC room in the country as a merchant When you apply for a loan, you will automatically package your personal loan information through credit evaluation and identity verification, and then present it to each financial institution to ask the customer whether the loan will be made in reverse auction format. You have the effect of choosing a loan.

In addition, the on-line loan brokerage system using the video communication according to the present invention and a recording medium storing the computer program source for the method and the method, when the customer makes a video call with a financial institution through the Internet or public communication network By adopting peer-to-peer (P2P) method of communication, multi-point access is possible, so that loan examiners and customers of financial institutions can receive loans quickly without delay in signal interviews. It has an effect.

In addition, the on-line loan brokerage system using video communication according to the present invention and a recording medium storing a computer program source for the method and the method, the customer can receive a loan from a financial institution through a video call through the Internet or public communication network When opening a virtual account (Virtual Escrow Account) with the first financial sector, there is an effect that can prevent the customer's loan financial assets outflow for other purposes.

In addition, the on-line loan brokerage system using the image communication according to the present invention, and a method and a recording medium storing a computer program source for the method has the effect that the loan can be always at any time outside the bank's business hours.

In addition, the on-line loan brokerage system using the video communication and the method and the recording medium storing the computer program source for the method according to the present invention can minimize the loan-related tasks in the financial sector, the loan is made quickly You can apply for a loan at homes or companies with PCs or imaging equipment anywhere in the world, so you don't have to worry about the location. In addition, since a peer-to-peer (P2P) method is used for image transmission, it is possible to fundamentally prevent an increase in load of an image server, thereby enabling a multi-point network system. In addition, by opening a Virtual Escrow Account with the first financial sector, it is possible to prevent financial customers' loan financial assets from being leaked for other purposes, so that financial loans can be provided remotely through the network. It works.

Claims (35)

In the online loan brokering method using video communication, A loan application step in which a customer inputs loan-related data necessary for a loan and personal identification data necessary for identification in order to receive a loan from a financial institution through a communication network, and applies for a video interview; Based on the loan-related data and personal authentication data entered by the customer on the personal computer (PC), the self-identification data and the customer information data are generated for the customer, and the credit rating for the credit rating and credit history evaluation for the customer A loan intermediation step of generating data and transmitting the data to a financial institution server, wherein the customer mediates a video interview so that the customer is interviewed with a loan officer of the financial institution through the personal computer (PC); And A loan screening step of evaluating loan status based on identity verification data, customer information data and credit evaluation data sent to the financial institution server, determining loan approval through video interview with the customer, and then granting the loan to the customer's account. Online loan method using a video communication comprising a. The method of claim 1, wherein the personal computer (PC), PC main body unit for processing data; A monitor connected to the PC main unit and displaying an input and output of images and data; A web camera which photographs the face of the customer and transmits the captured screen to the PC main body; A scanner for inputting the resident registration card or related documents necessary for the loan of the customer; A biometric fingerprint reader for inputting the biometric fingerprint of the customer; A keyboard and mouse for entering data; Headset for voice call; And a printer for printing the data. The method of claim 1, The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen so that the customer can select a financial institution that presents the most favorable loan condition. Online loan method. The method of claim 3, wherein The video communication method at the time of the video interview using a peer-to-peer (P2P) online loan method using video communication. In the online loan brokering method using video communication, Inputting personal information by accessing a data center server for brokering online loans through a video communication with a customer in charge of a financial institution using a personal computer; Asking whether the customer agrees to use the personal information inputted by the customer to an affiliated financial institution or a credit rating agency and use it as a material for determining the credit of the individual; Inputting, by the customer, authentication verification data for verifying identity verification; Confirming whether or not the customer is identified based on the authentication confirmation data; If the identity of the customer is confirmed, inquiring about the credit of the customer by using the data input by the customer; If the credit for the customer is good, inputting basic information about the customer and scanning the loan application document; Evaluating credit for the customer based on the basic information and loan application input by the customer and transmitting the credit to the financial institution; And And determining the loan through the video interview with the customer through the communication network after determining whether the loan is possible to the customer by the financial institution. The method of claim 5, wherein Allowing the customer to enter the resident registration card of the customer by agreement; And And comparing the photograph of the customer's resident registration card with the photograph of the client photographed by the web camera to check whether the client is the identity of the customer. The method of claim 5, wherein Inputting a mobile phone number of the customer; And And checking the identity of the customer by inquiring a mobile phone number of the customer to a mobile communication company to which the customer has subscribed. The method of claim 5, wherein Inputting, by the customer, his or her fingerprint through a bio-fingerprint reader; And And comparing the fingerprint of the resident registration card of the customer with the biometric fingerprint of the customer to confirm whether the customer is present. The method of claim 5, wherein The customer entering a credit card company and a credit card number; And And transmitting the credit card company and the card number of the credit card entered by the customer to the credit card company, thereby checking whether the customer is the same. The method of claim 5, wherein The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen so that the customer can select a financial institution that presents the most favorable loan condition. Online loan method. The method of claim 10, The video communication method at the time of the video interview using a peer-to-peer (P2P) online loan method using video communication. The method of claim 5, wherein Confirming whether the loan is agreed to the customer when the loan is determined; If the customer agrees to the loan condition, printing the agreement indicating the loan condition through a printer and having the customer write and sign the printed agreement by hand; Scanning and entering an agreement written by the customer directly; And And notifying the loan approval to the customer's mobile phone, and depositing the loan money to the account designated by the customer. The method of claim 5, wherein And a step of photographing and storing a scene in which the customer writes an agreement with a web camera. The method of claim 12, And opening the virtual account of the customer together with the first financial institution when depositing the loan, thereby preventing the financial customer's loan financial assets from being leaked for other purposes. In the online loan brokerage system using video communication, A loan application unit that allows a customer to make a video call by inputting loan-related data required for loan and identity verification data necessary for identity verification in order to receive a loan from a financial institution through a communication network; On the basis of the loan-related data and identity authentication data entered by the customer through the loan application unit, the customer identification data and customer information data are generated for the customer, and the credit evaluation data for credit evaluation and credit history evaluation for the customer A loan intermediation unit which generates and transmits the loan interview unit to the loan review unit so that the customer may be interviewed with the loan officer of the loan review unit through the loan application unit; And It includes a loan screening unit for evaluating loan status based on identity verification data, customer information data and credit evaluation data transmitted from the loan brokerage department and determining loan approval through video interview with the customer and then granting the loan to the customer's account. Online loan brokerage system using a video communication, characterized in that. The method of claim 15, wherein the loan application unit, PC main body unit for processing data; A monitor connected to the PC main unit and displaying an input and output of images and data; A web camera which photographs the face of the customer and transmits the captured screen to the PC main body; A scanner for inputting the resident registration card or related documents necessary for the loan of the customer; A biometric fingerprint reader for inputting the biometric fingerprint of the customer; A keyboard and mouse for entering data; Headset for voice call; And a personal computer (PC) including a printer for printing data. The method of claim 15, wherein the loan brokerage unit, A web access server connected to the personal computer through a communication network and receiving loan related data and identity authentication data transmitted by the customer; A load balance server connected between the web access server and an image dedicated server and configured to determine and control the load of each server; A dedicated video server connected to the load balance server, a dedicated financial institution server, and a financial institution server and allowing the customer and the loan officer of the financial institution to make a video call in a peer-to-peer manner; The data received from the web access server, the credit rating server, and the video dedicated server are prepared in an electronic file and transmitted to the financial institution server, and a video interview is reserved for the loan application received outside the business hours of the financial institution. Dedicated server dedicated to organizing data of all the measures taken by the bank; Connected to the web access server, the server dedicated to the financial institution, and the affiliated PC, and displays the data received from the web access server and the data received from the server dedicated to the financial institution on the web in real time, for the transaction of the customer and the merchant; Merchant store dedicated server to check the customer information, including fee loan status and loan repayment; A virtual account server connected to the dedicated financial institution server and the web access server, generating a virtual bank account negotiated with the first financial institution of the customer at the request of the customer, and depositing a loan fund; It is connected to the web access server, the financial institution dedicated server and the credit rating agency server, and transmits the personal information received from the web access server to the credit rating agency server to query the credit and financial information for the customer to obtain personal credit. A credit rating server for quantifying a rating score; And And a data center server connected to each of the servers and including a database server for storing and managing various data. The method of claim 17, wherein the database server, An enterprise resource management (ERP) database whose main functions are management of its business, including its input / output data, accounting, financial personnel, general management, and business-specific management; A member / merchant database that manages the data of the customer and the merchant and utilizes the data for future resources and re-loan; A financial institution database that stores and manages information, including the status of each financial institution, loan criteria, credit standards, loan records, and loan expiration records; And An online loan intermediation system using video communication, comprising the virtual account database for storing the information on deposits, withdrawals, interests and repayments, so that the virtual account of the customer can be used for real financial transactions as an account generated in cyberspace. . The method of claim 17, The identity verification method for the customer in the web access server is to check the identity by comparing the picture of the customer's ID card and the image data of the customer, and comparing the fingerprint of the customer ID card and the biometric fingerprint of the customer. Online loan brokerage system using a video communication. The method of claim 15, The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen so that the customer can select a financial institution that presents the most favorable loan condition. Loan Brokerage System Using. The method of claim 20, The online communication brokerage system using video communication, the video communication method uses a peer-to-peer method. In the recording medium storing the computer program source for the online loan brokerage method using video communication, A loan application step in which a customer inputs loan-related data necessary for a loan and personal identification data necessary for identification in order to receive a loan from a financial institution through a communication network, and applies for a video interview; The customer generates personal identification data and customer information data on the basis of loan-related data and personal authentication data inputted by the personal computer (PC), and credit evaluation for credit evaluation and credit history evaluation for the customer. A loan intermediation step of generating data and transmitting the data to a financial institution server, wherein the customer mediates a video interview so that the customer is interviewed with a loan officer of the financial institution through the personal computer (PC); And A loan screening step of evaluating loan status based on identity verification data, customer information data and credit evaluation data sent to the financial institution server, determining loan approval through video interview with the customer, and then granting the loan to the customer's account. And a computer program source for an online loan brokerage method using video communication. The method of claim 22, wherein the personal computer (PC), PC main body unit for processing data; A monitor connected to the PC main unit and displaying an input and output of images and data; A web camera which photographs the face of the customer and transmits the captured screen to the PC main body; A scanner for inputting the resident registration card or related documents necessary for the loan of the customer; A biometric fingerprint reader for inputting the biometric fingerprint of the customer; A keyboard and mouse for entering data; Headset for voice call; And a printer for printing the data. The method of claim 22, The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen so that the customer can select a financial institution that presents the most favorable loan condition. Recording medium that stores computer program source for online loan brokerage method. The method of claim 24, And a computer program source for an online loan brokering method using video communication, wherein the video communication method uses a peer-to-peer method. In the recording medium storing the computer program source for the online loan brokerage method using video communication, Inputting personal information by accessing a data center server for brokering online loans through a video communication with a customer in charge of a financial institution using a personal computer; Asking whether the customer agrees to use the personal information inputted by the customer to the affiliated financial institution or the credit rating agency and use it as a material for judging his or her credit; Inputting, by the customer, authentication verification data for verifying identity verification; Confirming whether or not the customer is identified based on the authentication confirmation data; If the identity of the customer is confirmed, inquiring about the credit of the customer by using the data input by the customer; If the credit for the customer is good, inputting basic information about the customer and scanning the loan application document; Evaluating credit for the customer based on the basic information and loan application input by the customer and transmitting the credit to the financial institution; And And determining, by the financial institution, whether the loan is possible to the customer, and determining the loan through an image interview through the communication network with the customer. One record carrier. The method of claim 26, wherein the method of confirming whether the customer is identity, Allowing the customer to enter the resident registration card of the customer by agreement; And Storing the computer program source for the online loan intermediation method using visual communication, further comprising comparing the photograph of the customer's ID card with the photograph of the client photographed by the web camera to confirm whether the client is the identity of the client. One record carrier. The method of claim 26, wherein the method of confirming whether the customer is identity, Inputting a mobile phone number of the customer; And Storing the computer program source for the online loan intermediation method using video communication, the method comprising the step of checking the identity of the customer by querying the mobile phone number of the customer to the mobile communication company subscribed to by the customer. Record carrier. The method of claim 26, wherein the method of confirming whether the customer is identity, Inputting, by the customer, his or her fingerprint through a bio-fingerprint reader; And And comparing the fingerprint of the resident registration card of the customer with the biometric fingerprint of the customer and confirming whether the customer is the identity of the customer. . The method of claim 26, wherein the method of confirming whether the customer is identity, The customer entering a credit card company and a credit card number; And The computer program source for the online loan intermediation method using the video communication, characterized in that it further comprises the step of transmitting the credit card company and the card number of the credit card entered by the customer to the credit card company. Recording medium storing the. The method of claim 26, The video interview is performed between the loan officer of the at least one financial institution and the customer through voice and screen so that the customer can select a financial institution that presents the most favorable loan condition. Recording medium that stores computer program source for online loan brokerage method. The method of claim 31, wherein And a computer program source for an online loan brokering method using video communication, wherein the video communication method uses a peer-to-peer method. The method of claim 26, Confirming whether the loan is agreed to the customer when the loan is determined; If the customer agrees to the loan condition, printing the agreement indicating the loan condition through a printer and having the customer write and sign the printed agreement by hand; Scanning and entering an agreement written by the customer directly; And And notifying the loan approval to the customer's mobile phone, and depositing the loan money to an account designated by the customer. The recording medium storing the computer program source for the online loan intermediation method using visual communication. The method of claim 26, And recording and storing a scene in which the customer describes a contract with a web camera, and storing a computer program source for an online loan brokerage method using video communication. The method of claim 33, wherein The computer program source for the online loan method using the video communication, characterized in that the opening of the virtual account of the customer with the first financial sector to prevent the leakage of the financial customer's loan financial assets for other purposes when the loan is deposited Recording medium storing the.